WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for a free trial for XXXX XXXX XXXX, there is no way to cancel in a self-service capacity hence forcing you to call XXXX, which is a totally unacceptable practice with the online tools that are present. I called to cancel within my time period and they were closed, even though I called within the posted days and times. ( our call center is open Monday-Friday from XXXX XXXX. to XXXX XXXX., Saturday-Sunday XXXX XXXX to XXXX XXXX Pacific Time ) I called back after the next  business day and was told there was a 1hr wait time, I had to hang up around 45 mins because work called and had to take the call, I tried calling back again and it said my wait was 2hrs! So I tried subsequent days to reach someone to no avail. I received a charge for XXXX, I have since disputed it with my bank because I have had no means to reach anyone in a reasonable amount of time nor can I cancel easily.
After sending information to verify myself with my disputes ( XX/XX/18 ), Equifax, XXXX, XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
When I vacated a temporary corporate apartment in XXXX XXXX, I closed an XXXX account. I still had XXXX active accounts with XXXX XXXX XXXX and they also had authorization to debit my checking acct for payments and my forwarding address, phone and email information as well. XXXX XXXX XXXX did not debit my acct for the final payment, but rather, mailed a bill to the vacated address instead of the forwarding address they had on file. As a result, I never received the bill. XXXX XXXX XXXX failed to use reasonable means to notify me of the outstanding balance. It is my understanding that they then sold the outstanding balance as a " collection account '' to Diversified Consultants ( DC ). DC failed to use reasonable means to contact me at my current address or phone as well before reporting a collection acct to the credit bureaus ( including XXXX, possibly others ). 
When XXXX notified me of the collection acct, I contacted XXXX XXXX XXXX and paid the balance immediately, on XXXX/XXXX/XXXX. The XXXX XXXX XXXX rep stated that she had located the closed acct easily because it was linked to my current acct, confirmation that they had current contact information that they failed to utilize. The rep acknowledged the error but stated that only DC could remove the collection from my credit report. 
On XXXX/XXXX/XXXX, I spoke with XXXX XXXX at DC, who stated that if XXXX XXXX XXXX authorized them to remove the acct from my credit report, they would do so. On the same date, I spoke with XXXX at XXXX XXXX XXXX ( employee # XXXX ) who said their Accounts Receivable Dept had confirmed that they would notify DC to remove the collection acct from my credit report. She stated twice that the acct would be removed ; not just show a {$0.00} balance. I then called DC back and employee XXXX XXXX assured me that they would remove the collection acct as soon as they received the notification from XXXX XXXX XXXX. 
On XXXX/XXXX/XXXX, I contacted XXXX XXXX XXXX again and employee XXXX stated that she had other customers to help and would not help me as XXXX XXXX XXXX no longer had authority over the acct once it was sold to DC. I contacted DC again and employee XXXX XXXX stated that they would not remove collection accts from credit reports regardless of the circumstances. 
XXXX XXXX XXXX and Diversified Consultants have violated the FDCPA and FCRA by failing to use reasonable means to notify me of the outstanding balance and reporting the balance as a collection acct on my credit report, and refusing to correct the error once it was identified.
I really need CITI to lower my interest rate for a short period of time. Because of lowering my original credit limits my credit score has dropped drastically. Therefore my ability to receive more work has been limited to the point where I need to make this request.
I received a letter from Synchrony Bank thanking me for my recent application, but additional information is needed to process my credit card application. On XX/XX/2019, I notified Synchrony Bank I did not apply for a Stein Mart credit card. The representative I spoke with stated she will close the application and remove the inquiry from my credit file. Unfortunately, this process was not completed by Synchrony Bank and the inquiry remains on my credit file.
I am a cosigner on my son 's loan. I made 3 payments in the last six weeks. {$150.00} on XX/XX/XXXX, {$57.00} on XX/XX/XXXX and {$55.00} on XX/XX/XXXX. All of these payments were made by electronic funds transfer from my bank 's bill pay. The funds have been removed from my account. Navient says they received the {$150.00} but not the other two payments. They asked me to send proof of the transfers. I have sent my bank statement and a copy of the transfers FOUR times. At one time they said they received the {$57.00} but it went to the wrong address so they sent a check back to my bank on XX/XX/XXXX. The bank never received a check. They keep telling me to contact the bank. The bank did its job and can only tell me that the electronic transfer went through. I either want my money back or the money put on my account. I believe Navient has the money and now they have added a late fee I do n't feel I deserve!
I have received a letter from XXXX XXXX XXXX XXXX. This company keeps insisting, that I owe them money for unpaid taxes. They said that they paid our taxes and, they want the payment that they made on my behave. I have sent them proof of paid taxes. They insist that they have not received proof. I also sent CFPB proof of XX/XX/XXXXtaxes, which I saw copy before I wrote this complaint. From the beginning of this loan I have been harassed. The first time I received notice, they said I had not given them XX/XX/XXXXdelinquent taxes. I sent them the settlement statement, that at the close of my loan, it shows clearly where they deducted moneys for taxes XX/XX/XXXXdelinquent and XXXX before I ever received my loan. Which I also sent to CFPB. 
They have increased my monthly mortgage from XXXX plus to XXXX. They are saying that I breached our agreement, and I 'm now in default. I pay them monthly electronically, so I won.t default. The letter says I have n't paid XXXX or XX/XX/XXXX, my payments are not being applied to the account, because of these same taxes from the being of this loan. They say have not been paid. 
I 'm not responsible for those taxes, per the settlement statement. The title company XXXX XXXX took those payments, and made them to the tax department. I am sure, that the same thing is going to happen with the XX/XX/XXXXtaxes, being as this has happened, every year since this loan was established.
XXXX hospital sold a dept on my daughter that was seen with them back in 2010 my daughter had XXXX back then and continues to have XXXX coverage. I would like them to remove this from my credit.
Dear CFPB, I have a high level issues for you today, XXXX you are likely aware of already. 

My student loans were recently switched from XXXX XXXX to XXXX, which is a subsidiary of XXXX XXXX, per a restructuring of XXXX XXXX loan portfolio. Shortly thereafter, I engaged a XXXX Income-Based Repayment ( IBR ) program, in XXXX XXXX specifically. The original XXXX XXXX accounts related to my loans were closed ( standard procedure ), and new ones opened up with XXXX for this IBR plan ( also standard ). 

As a result, the average age of my credit accounts was reduced significantly, even though the actual DEBT is the same debt I have had since graduating both XXXX ( XXXX ) and XXXX ( XXXX ) programs. The move to an IBR plan helped me financially as I am able to better service the loans, save money for a house and invest in the stock market ( and employer XXXX ). 

So in essence, I 've made the right moves to better balance my financial obligations, long-term investment plans and economic consumption ... but I am penalized on my credit report for a shorter duration of accounts because the XXXX IBR constitutes a new account ( XXXX to be exact ). On the plus side, I reduced the number of student loan accounts I previously held from XXXX to XXXX, but that is a different issues altogether ( classification and organization of debt accounts can be detrimental to credit reports even if that debt is attached to XXXX overall degree program ). 

I 'd like to ask for your collective brain power on this : should I be penalized on my credit reports for making good decisions about my debt obligations? I feel that goes against the spirit of our credit system, but I am just XXXX XXXX, right? 

Thanks for listening, would be happy to engage in a dialogue at your convenience. 

Best, XXXX
As of XX/XX/XXXX, I had a TransUnion credit score of XXXX. On XX/XX/XXXX, my credit score dropped to XXXX, due to XXXX, XXXX, XXXX XXXX  XXXX fraudulently reporting an open collection account dated XX/XX/XXXX, with XXXX  XXXX. I filed a Chap. XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX  XXXX, XXXX ( XXXX XXXX ) was part of the bankruptcy. I contacted TransUnion and XXXX, XXXX, XXXX XXXX XXXX. and telephonically disputed this erroneous account. I then mailed them a copy of my discharged bankruptcy documents showing that XXXX XXXX was a part of my bankruptcy. Between XXXX XXXX and XXXX XXXX, TransUnion removed the disputed collection account from my credit report, but they did not restore the full 97 points that they took away from me as a result of XXXX reporting this fraudulent open collection information to TransUnion.
Blitt and Gaines filed XXXX lawsuits against me without my knowledge. They did not send me any information of a verification of the debts or any validation notices. I did not know about the lawsuit in first case until I received a settlement letter after I contacted them for a XXXX XXXX account at the direction of XXXX XXXX in attempting to get a loan modification. The second lawsuit was mentioned in a response to a CFPB complaint. These are illegal tactics and on the internet you can see endless complaints occurring from this company. If XXXX XXXX had not directed me then I do n't know what they would have done to me or still might be doing to me since they are deceptive in their tactics. I will be a XXXX in a few years and I understand this can be ongoing for many years to come. I also do not have information of the outcome of either of these lawsuits from either Blitt and Gaines or XXXX XXXX, since no one ever sent me any correspondence in the mail. Furthermore they never sent any information of the actual debt they are suing me on, to prove that they actually have the right to sue, what the fees and charges are, how the breakdown is, etc. I have been trying to get information from XXXX XXXX since approximately XXXX, 2015 and there has been no response to any of the information I have requested in detail except for general repetitive form letters.
As we know identity theft is a number XXXX priority. None the less, when information is not accurate it is against our rights as consumers. I have already taken the liberty to try and resolve matters directly with the furnishers. A couple of results were successful yet the CRA continues to leave this on my file. There are more than XXXX matter that needs to be addressed here. XXXX XXXX being XXXX XXXX. XXXX is a medical bill that is there and the state of MARYLAND pays all medical bills per Medicaid. They want render their own determination based off other inaccuracies using a system that is not accurate. I have hard evidence. Thank you. A copy of FTC affidavit with Police report has already been sent.
CitiXXXX XXXX Master Card/XXXX charged me a {$39.00} over-limit fee for being {$79.00} over the limit. 
I am a 20 year card holder and I called to ask it removed. I was told they would not. 
I asked to have a block put on the card so it would not happen again. 
They said they would not - it was my problem to watch my spending.
I have been affected by the Equifax hacking by my information being one of the accounts being compromised.
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX XXXX   XXXX, XXXX XXXX XXXX. Since Transunion couldn't help me, CFPB step up and fix the accounts asap
I have been reviewing my credit file and upon receipt of my updated XXXX, XXXX and XXXX I noticed there is an account that I am not familiar with, that has not been validated. After further investigation and entering the companies information in the North Carolina Department of Insurance database, I realized that the company named ERC is not licensed to act as a collection agency in the state of North Carolina which is where I reside and have resided the majority of my life. Information is updated as of XX/XX/2018.
Hi, This is going to be difficult to explain so bear with me. Last year my brother became terminally ill. In an effort to try and find the moneys to go see my brother before he passed away I reached out to my mortgage company to see if I had any hardship plans to help me with the expense. I called them Nationstar Mortgage and told them the situation and wanted to know if I could miss XXXX payment to make the flight. The lady on the phone said yes they could waive XXXX month 's payment and I could pay it up by paying {$1000.00} amount for the next 5 month to catch it up, my normal mortgage is {$830.00}. I also asked her if that would impact my credit and she assured me that it would not and she would also set up my account so that I would not receive the automated phone calls about a missed payment. So for the first 2 months it was working well, no phone calls and I was paying {$1000.00} per month as opposed to my {$830.00}. Then all of the sudden I start getting automated calls. Then I got an alert on my credit reporting agency. So when I looked it up the mortgage company came up as XXXX month missed payment. I called Nationstar and asked them what they were doing and had to explain to them what the arrangement was. At first they had not record of that agreement. I asked for a Manager, and he was finally able to find the record of the agreement. He then informed me that the agreement I was told could happen was not allowed and she was not supposed to do that ''. So I told him ok but then what happened to the overages I paid towards my mortgage and how could they be showing me one month behind since I was not. Where did that money go? I told him based on the money I paid over the amount owed I should only owe you a couple of hundred not a fully month premium. He asked me to fax him my I was checking account statement that shows how much I have paid above the mortgage rate. So I have faxed it never heard back from them. As of today I have fax it and called them repeatedly and have yet to get anyone to investigate and fix this. 
On my last call which was last week I again re-iterated the story and told them the name of the last manager I spoke to and I gave her his name. In that conversation the lady said that XXXX was not a manager and she would report him for saying he was. Now I faxed the form again and she said they would get back to me in two days that was last week. How can a mortgage company be allowed to operate so unethically? What do I have to do to get this fixed? I have never missed a payment before since I purchase this house and this nightmare is never ending I need help can someone out there please help me. Please is there anything I can do to get this resolved they are ruining my credit and keeping in loss of my bother ever a nightmare that never ends. This company has no business operating as a mortgage company. They bought out my mortgage from the original mortgage company and when I look them up they are a collection agency. How can this be clearly they have no business buying out mortgages and operating as a mortgage company.
I recently received a military star card about a month ago and began using it almost immediately. I called to extend my credit limit and begin making payments in a timely manner days later. I logged in one day to check my account and saw my retail limit was increased as requested for {$500.00}. My retail credit limit started at {$600.00} total, then was increased to {$1000.00}. After that I tried to make a purchase days later and it showed as declined. I checked my balance again online and my credit limit was suddenly in the negative {$75.00} in spite of no new purchases being made. A day or so later my credit limit was increased by about {$50.00} which I very quickly spent on dog food before it disappeared! I called today to make a complaint about it and they told me I was n't eligible as of 10 days ago. I received a bill but NO notice and the customer service worker & supervisor I spoke with were absolutely deplorable refusing to say anything other than I 'm no longer eligible for an account. Although my account is not shown as closed online. My first bill is n't even due yet for almost a month! And the payment is only {$19.00}.
It was last XXXX ( 2015 ) that I applied for the XXXX American Express and fulfilled all the requirements ( spending requirements ) to obtain the XXXX bonus point offer. However, XXXX placed my account into financial review shortly after meeting the spend requirements and ultimately declared that they will be shutting my account and seizing all the points. 

Fast forward a year, I reapplied and was shortly subjected again to a financial review. I sent all my documents in via fax ( which I did last time ) only to learn that they never got it. So I sent it in by slow mail and they finally obtain my tax return to grant me account opening. When I received the card, I sent a chat conversation through XXXX site to inquire if I will qualify for the XXXX bonus offer and was told by the representative that I will receive the bonus, only if I meet the spend. 

However, today, when I have met the spend and the statement will close on the XXXX of XXXX, I once again asked via chat the representative if I will get my bonus. I was surprised to hear that I will not because upon digging into my account, the representative told me that I have had the bonus and per the terms, I will not receive it if I held the card in the past. Yes even though I did held the card in the past, I never received my bonus points. On top of that, the first conversation the agent confirmed I will indeed receive my points. So with this inconsistency, I want to file my complain as I believe its not fair for XXXX to seize points and claim that I have received the points/card when I never got the point and to have representative state false information. 

I was also told that all my chat logs are kept on the server so I would have them cross check on this but I am confident that the first agent told me I would get the bonus if I meet the spend ( which I did ).
Had a refinance with XXXX in XX/XX/XXXX. Tried to modify several times before default and denied. Bank of ny mellow started forclosure procedures in XX/XX/XXXX. Found numerous fraudulent things in papers and fought it.they 're motion was, denied with leavery in XX/XX/XXXX. They served me with new docket number in XX/XX/XXXX statue of limitations expired on XXXX docket number. Hired petrol law XX/XX/XXXX and I 'm paying XXXX to attorneys to defend XXXX dockets in XXXX supreme court for same forclosure by same bank. Their attorney is XXXX XXXX. We are filing a cross motion to dismiss both cases but I want them to release the lines on my title. They have no rights to my property and have hindered the sale several times including XXXX short sales. I 'm on workers comp. The house needs a roof I ca n't afford. The property is now worth {$610000.00} which is {$110000.00} more then they claim I owe. Statue of limitations in new York is 6 years. Again it expired in XX/XX/XXXX. They los any right they may have had not including the fraud. They got XXXX docket # in order to attempt to reset the clock.
XX/XX/2017 I was informed that my HELOC interest rate would be changing monthly. This is not the correct term of the loan. my rate is tied to prime is to to change annually in XX/XX/XXXX. I have called several times and they tell me that the research they did does not show that it is tied to the prime annually. It is very clear on the recorded mortgage that it is tied to prime annually. Also, the max rate is not 18 %. That needs to be looked into also. 

In XXXX I spoke to someone again and they said yes the loan has been set up in the system wrong and it is only supposed to change annually not monthly. We also talked about the affect the hurricane had on me making the payments. She was going to see if they could move the payments to the end of the loan and check on getting the loan terms corrected in the system. I never received a phone call or any documentation in the mail stating that the research had been done, rate change was fixed and a credit given for any overages, and no solution about the hardship during hurricane irma ( 2017 ). 

I continue to get past due letters. I am on a fixed income and am approaching XXXX.
I lost my job while in college and Old Navy closed my account with them. I have been working to take care of this debt owed once I started working. By the time I secured a job that paid enough for me to work something out, the account had been sold by another lender. I have paid this debt off with the lender and they have since removed their collection account from my credit bureau.
RCS RECOVERY SERVICES LLC filled law suit on XX/XX/XXXX outside statue of limitations of 5 years. they even re-aged default date and it is still outside of 5 years of statue of limitations. judge ignored this when i said it in court and decided in favor of RCS RECOVERY SERVICES LLC. last payment i ever made was XX/XX/XXXX. they re-aged debt to XX/XX/XXXX but it is still 5 yrs 8 mo after last payment. they never proved that they own debt even when i requested it several times. they never came to court, missed first hearing, judge would not dismiss it then, second hearing they called in and judge never did anything on my motions or request. judge would approve their every motion and never any of mine.judge ignored statue of limitations.
Had an account with XXXX, closed account with payment in full. I sent back all equipment carefully packaged in their own container at my expense in 2010. One month later, I received a payment due notification of {$25.00}. I called XXXX billing and a supervisor stated that it was for their mailing labels and that I should have waited. I explained that I was not told this and that all equipment was sent expeditiously and that I do n't feel I should pay. After sending in numerous letters of dispute, I never received a response from XXXX and wrote letters to a collection company seeking a new balance. No response. I recently called XXXX with their Bundled services and XXXX is in the package and I was denied service due to the " outstanding '' balance with XXXX. I have attached my notes when I first had this problem of the mailing labels, back in 2010.