WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2017 I purchased a treadmill from XXXX XXXX because they promised no interest. I applied for their revolving account which it turns out FORTIVA is the lender. Which I was not aware of until I received the approval. When I was approved AT NO TIME was I advised that the NO interest offer would not be honored. I contacted FORTIVA XX/XX/XXXX to advise them of the error. FORTIVA is telling me they will not honor the no interest offer. They say they are a 2nd tier financier. When I applied and was approved by Fortiva they DID NOT disclose that they were not honoring the no interest offer. I would have never bought the treadmill or would have put it on my personal credit card if I knew I had to pay over 20 % interest! I contacted Fortiva XX/XX/XXXX To request that they honor the no interest offer as advertised. They declined. They said I was emailed credit terms. This is not true. I never received anything by email but an approval with no credit terms detailed. I received a paper bill from Fortiva with verbiage about promotional offers but the offer has not been applied to my account, Fortiva even asked me to write a review. I did, detailing their poor business practices. They emailed me that they will not publish the review. Fortiva should be allowed to bait people with promises of no interest and then charge them a ridiculous amount of interest over 20 %. I am paying for the treadmill as quickly as I can, but have already been charged {$300.00} interest. I want the interest payments credited to my account
This company ( Portfolio Recovery Associates ) has been sending numerous letters about this debt that I have never owned. I have sent debt validation letters to this company, however they reply with a bill. I sent a certified letter XX/XX/XXXX The responded XX/XX/XXXXwith accounts and the amount owed. The company is claiming I have 3 accounts with them of the amounts {$680.00}, {$490.00}, and {$1900.00}.
Citi Double Cash Back Card. I made a typical balance transfer with a 0 % interest. I still used the card for regular purchases which is subject to interest. I pay the minimum payment plus the amount I spent. Unfortunately Citi still charged me interest on my new purchases. I remember that the Law protects us. That payments I make are supposed to go towards higher interest balances.
I wish to reopen Case number : XXXX because the response by Chase was not adequate or acceptable to address the issues. Chase went into my husband 's XXXX credit report on XXXX/XXXX/2016, which was before they sent us the original refinancing documents. Then he could not access his report by XXXX during the mortgage application process to correct any problems. The original terms of the contract they sent was 3.125 % on a loan of {$350000.00} and a cash from borrower of {$7100.00}. They knew what his credit score was and lured us into trying to refinance with them. Then they pulled a bait and switch. We deserve the original terms of the documents that were sent to us. Chase does not respect its long-standing customers and dupes its clients into accepting terms that are a " bait and switch '' tactic, which should be illegal.
At the time, I was going through financial hardship. I wasn't making enough money and missed my Wells Fargo Credit Card payment. The company did not work with me which resulted in my credit history being affected. I made the payment a few days late and there was nothing the bank can do.
On XX/XX/2018, XXXX XXXX XXXX processed an ACH draft on my credit union account without my permission. I revoked access to process any ACH drafts on my account months ago.
I haver requested on numerous occasions an interest reduction from Nordstrom Card which I believe is owned by TD Bank. Each time I have requested I am given another excuse as to why I can not be done as previously requested. I was told that " systems were down '' call us back in 30 days and we will lower it, make on time payments for 6 month and it will automatically be reduced. In my most recent discussion with a senior supervisor from Customer Service I was once again denied. I requested a full transcript from the conversation and was promised I would receive but again I was lied to. The ridiculous interest rate 0f nearly 29 % has prevented me from ever paying off this debt, even worse has caused me to fall behind in other areas. Nordstrom Card is avoiding this issue as they know that they are wrong. Please help me recover the extraordinary fees I have been charged. This bank is ripping many off in the same way I am sure.
I sent an email to Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,. I do not recognize this debt and have ask verfication by providing me the original instrument of signed indebtedness. To date, they have failed to provide this. I further mentioned if they were unable to provide this, the entry on my credit files should be deleted from all 3 major credit bureaus. I have gotten only 'canned ' responses to call them when I 've asked specifically only to be contacted by email ( for paper trail purposes ).
I received a call from XXXX claiming they were from Experian. They asked for me only by XXXX XXXX and did n't know my full name. They stated that I was past due for two dollar amounts, I believe one was for XXXX ( which is possible, I did n't stay on with her long enough to get more information ) She said that she would be happy to take payment for these two past due amounts using my bank account or credit card information. I then stated that I had already contacted them and hung up. I tried to call back and there was no identification of the company on the recording.
I am not clear as to what exactly happened with my Bank of America account. I do know that the account was ultimately closed and has been reported to XXXX ( XXXX ) and XXXX as " fraud '' because of a returned check that was deposited. I have made two trips to Bank of America to try and resolve the issues at hand ( I have been placed in XXXX & XXXX for {$240.00} ). The branches themselves have not been able to help me. The reporting to both bureaus has resulted in all my bank accounts being closed with my previous institution because of the " fraud '' attachment to my account. I have attempted to resolve the issue at Bank of america to no avail. It is IMPOSSIBLE to open another bank account for myself and or my business because of the fraud. My business will be closed by the end of the month because we can not operate without a bank account and our credit card reserves will be maxed out. Who gave Bank of America the right to shut down businesses it is very apparent that they have more power than our Government does.
I am having a problem with TD Bank. They have charged XXXX of my account for overdraft of another account after I asked them to shut the account off. They shut both accounts off then charged the opened account over {$1800.00} to fund the other account. The fees are continuous triple charges for the same charges. I have not received help from the branches and been on the phone for numerous hours just waiting to talk to someone with no help at all.
I received an alert for my  XXXX  credit report on  XXXX / XXXX /   2017  that an account from Erc ( enhanced recovery corporation ) added a colllection account in the amount of  XXXX  dollars to my credit report. This collection account was added on  XXXX / XXXX / 2017 . I was never made aware of this debt and have not received any written documentation concerning this debt or allowing for me to dispute this debt. I have never had a contract or relationship with ERC and believe they used unfair practices in reporting this debt without first providing me written notice allowing me to dispute this said debt. I 'm currently disputing this debt with  XXXX .
OnXX/XX/2018 I called Nelnet to ask them about what college did I attend to pay {$2000.00}. I needed the exact college.

They told me, it was a account that was canceled by the government.

But it is on my credit score, and it is hurting my credit score.

Claiming that I owe them. 
I made a dispute on a dispute site, and they sent the information to a credit bureau. 
Please help me with this.
I recently applied for and received a Barclay credit card. I have been using the card and paying, never late with any issues. This card currently has a XXXX balance. I was shopping for a new computer and happened to be on the XXXX website. I decided to apply for credit to complete my purchase, my application was declined. A few days later, I received a letter in the mail from Barclay card stating they we 're unable to approve my application due to a past charged off account, they also informed me that they did n't run my credit to make this decision. I feel that they extended credit previously with the open credit card I have and that they made an error by denying me credit without reviewing my current credit history, instead they judged me on something from almost 10 years ago. This in an unfair denial of credit from this company.
A XXXX XXXX from Oracle Financial Group called my husband about 10 days ago threatening a summons and lawsuit. I called the number back and spoke with a XXXX XXXX. I advised XXXX XXXX we are in the process of filing Chapter XXXX Bankruptcy. He stated they were closing the case. Today, this XXXX XXXX called again making the same threat about the same payday loan that my husband took out several months ago. In my original conversation with XXXX XXXX, about 10 days ago, I gathered sufficient information to confirm their tactics are designed to frighten a person into paying a debt. We have received no written communication about this debt, which is quite small, and I offered an email address so the communication could be sent to us for review and so that we could pass it on to our attorney. At that point, XXXX XXXX backed out completely stating they were closing the case. Now we get another call today. My husband is XXXX and quite ill. This call frightened him considerably. I am not calling them back, on the instructions of our bankruptcy attorney, but I find their tactics deceitful and dishonest. There is no summons, etc. because they do not even have our correct address. They 're just trying to frighten us into paying them.
I am closing on the sale of my home on XXXX XXXX, 2015. I have an FHA mortgage with JP Morgan Chase. I have been told that I will have to pay interest for the entire month of XXXX even though I am paying off the loan before the end of the month. This amounts to approximately {$490.00} in interest I am being charged for absolutely no reason. They are also charging me an entire month 's worth of mortgage insurance as a result of this practice, which equates to an additional {$110.00}. New rules are in place prohibiting this practice for loans originated after XXXX XXXX, 2015 ; however, JP Morgan Chase is CHOOSING to continue to charge this excess interest to borrowers with older loans despite the fact that it is unfair and harmful. The lenders should not be permitted to engage in this type of conduct simply because some fine print buried in the contracts permits this unfair practice.
PORTFOLIO RECOVERY  XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  has put a claim of {$340.00} on my credit but even though I have disputed it with them and have asked them to prove the debt they still do not remove it. I want to file a complaint against this co.
I have a 30 year mortgage for a home XXXX with Wells Fargo after we refinanced in XXXX to get out of an adjustable arm loan. My husband and are both XXXX we were XXXX and came down on orders as a Permanent Change of duty station XXXX and had to relocate upon return in XXXX. We had several renters till XXXX and the last renters abondoned the house and left it unliveable and infested with roaches .... we could not afford to pay for our family to live here and also pay a mortgage without the extra income from a renter becuse we had our XXXX child in XXXX XXXX. We decided the best way to go was a short sale so we had the house cleaned thouroughly and had an exterminator come and prepare the house for sale and got a Realator. We have had many offers come in for what wellsfargo was asking but they kept coming back with denials through the mail with no reason on why and when i would ask for why in writing was told whats on the letter is all i was entitled to knowing .... This was just the first year ... .. then the 2nd year they would actually give some explanation to the realator. It would get fixed and we would still get denied with a new different reason that was not mentioned before .... all the time this is going on I kept having a squatter breaking in the home and trashing the house ... a storm passed through ripping siding off ... and so you can guess what the 3rd reason was it was being upkept ... .. so we went and corrected the issues again .... we wouldnt be having this issue if the house would have been approved by now ... So this last request we submitted we felt like everything was finally going smooth communication was getting better and we were waiting on approval my realator gets an email from the negotiator stating she was no longer going to be working in that section anymore and that someone new would contact her in 48 hours ... No one replied to my realator she had to email several people and call people to get a new one who is making us restart the whole process over again with no denial just start because now its a new negotiator ... There is soon I will be the only source of income in to our household due to te Armys new XXXX or downsizing with the exception of unemployment and XXXX dollars my husband will recieve a month. We will be struggling with just this gousehold let alone the house XXXX. We have been trying to do whats right and sell the house versus do a forclosure or do a bankrupcty. This has a been a nightmare it has already caused me alot of stress to be in this situation but for this to drag out for 2 years and we are at block XXXX again. I REALLY NEED ASSISTANCE ... This is really unfair I feel like because we are going through a Hardship and have to use this option Wells Fargo is punishing us my family by dragging this out and not working with us and are acting with prejudice or they are just waiting for a sale date so they dont have to assist and sell this house the buyers want the house!!!!
XXXX payments due on XXXX XXXX and XXXX XXXX, 2015 were reported as 30 days late. Although late, they were clearly paid prior to 30 days past due though my electronic banking, refer to the attached bank statements. They both exceeded the minimum amounts due and there was no outstanding balance. I am not reasonably responsible for electronic lags, days off, business hours, or other overly broad/technical system variations beyond consumer control, if any.
I just got a notification that XXXX XXXX reported a collection account on my credit report. I never received any letters from this agency giving me the right to dispute this debt. Under the FDCPA a debt collector has to provide a consumer with a G notice. The right to dispute the alleged debt within 5 days of the initial communication with the consumer. They have violated 15 USC 1692g. I also dispute this alleged debt
After the Equifax data breach debacle, I undertook steps to order credit freezes with all three credit bureaus. Experian has refused to accept an online request from me for a freeze. They have refused to accept an upload of documents they require to implement the credit freeze XXXX their system XXXX giving either an explanation of system is not available or else can not upload documents in spite of them being in the correct required format ( PDF ) and below the size limit. This occurred on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. Additionally, I tried to order a credit report, and received a message that I could not be identified in spite of supplying my legal name, social security number, and address at which I have resided for the last 12 years. 

Additionally, all requests for freezing accounts have been followed by offers for security monitoring to be purchased through Experian. They can not find my account to issue a credit freeze but seem to be able to do so to sell me a product they are offering. 

The only resolution to this problem is to send Experian the required personal information, including social security number and date of birth, through the XXXX Mail. I have completed this process and am now awaiting a response from Experian where I will supposedly be sent a pin to be able to access my account in case I need to temporarily issue a credit freeze lift.
I respectfully request full investigation and based on the information I have provided I request the Midland Credit Management , Inc. / Midland Funding LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Midland Credit Management Inc. needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sale, Affidavit from original creditor verifying the Bill of Sale, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
This debt does not belong to me I think it might be a medical bill for my adult child in which I am not responsible for. If you continue to attempt to collect this debt I am going to obtain an attorney. 

This will be the XXXX time a collection agency has added this collection to my credit and this I have to dispute it each time.
I had a XXXX 's credit card ( from XXXX XXXX XXXX XXXX  ), which had a credit balance of {$21.00}, and the company/bank sent me a refund check for the same amount in XX/XX/2018. Unfortunately, I misplaced the check. 

In XX/XX/2018, I received a letter from the bank saying that the check has been cancelled as it has not been encashed, and I should call them to confirm my address so that they could send a replacement check. I did that, and they said that they will have to investigate ( not sure why? ), which would take 1 - 2 billing cycles. 

Two months passed, and instead of receiving a replacement check, I received a similar letter again, saying the exact same thing, in XX/XX/2018. I called them back, and they again asked for 1-2 billing cycles. 

Since then, I have chatted with them online two times, and each time they say that it will take 1 billing cycle to resolve the issue. The amount remains unpaid to me to this date. 

Note : Fed up with their bad customer service, I have closed the credit card with them.
I recently received a letter from Professional Credit Service in regards to account # XXXX, which was paid in XXXX/XXXX/XXXX ( see copy of Check # XXXX attached and other billing invoices related ), the dollar amount referenced in the letter from PCS dated of XXXX/XXXX/XXXX which is a lot less than the {$150.00} paid then in XXXX/XXXX/XXXX. The account # XXXX was paid fully to XXXX XXXX care so I do not understand that almost 6 years later I am getting this type of letter. In this case It looks like fraudulent double dipping or incompetence.
I am starting to repair my credit to try to become an homeowner. I noticed that I have several inquires for finance companies, look like car dealerships. I have NEVER applied for any type of car loan. I have sent XXXX, Equifax and XXXX over 2 months ago and no response. This is really frustrating. Every time I reach out to the bureaus, I get someone from another country. I think my information was accessed during the breach. Can you please help me rectify the problem.
I am disputing a credit balance of {$740.00} currently reflected on my credit reports. 

On XXXX XXXX, 2014, I spoke to XXXX, Employee # XXXX at XXXX XXXX Bank ( now sold to Collection Agency LVNV Funding ) and PAID my account IN FULL in the amount of {$440.00} Confirmation # XXXX. I even overpaid and received a refund check. 

Upon speaking to XXXX, Employee # XXXX, on behalf of XXXX XXXX Bank, the following terms were agreed upon : XXXX XXXX Bank would debit my account {$440.00} on XXXX/XXXX/14. 
XXXX XXXX Bank would ZERO the balance on my account upon receipt of funds. 
XXXX XXXX Bank would provide me with a REFUND check which was received. 
XXXX XXXX Bank would notify all XXXX credit bureaus that my balance is zero and the account is CLOSED. 

Again, my account was debited {$440.00} on XXXX/XXXX/14 Confirmation # XXXX and I received the refund check for the overpayment of {$100.00}. However, my account was NOT reported to the XXXX major credit bureaus as CLOSED and with a ZERO balance. In fact, it was turned over to Collections LVNV Funding LLC in error.
Transunion this is a request as to why my credit score went down when I made a payment to decrease the total, please explain to myself and the CFPB. is this because Im in dispute with you, please respond in a certified testimony for I may file a court case against you for Subterfuge of this report CFPB this is a way to manipulate consumer credit and financing, I can not see a clear reason for lowering a score when paying down an account, CFPB please investigate this reporting
I called Equifax after its security breach to procure good security for my credit account. I asked where he was from and he said the XXXX. I was speaking with a person from the XXXX XXXX about MY Account! He said he was an Equifax Rep. I learned that XXXX has the same practice.

What are these agencies doing allowing foreigners to see American 's credit information? I want it stopped ASAP. I asked my Congressman, Rep. XXXX XXXX, Arizona, to look into it. I never heard back. That was several months ago.
XXXX is XXXX XXXX XXXX XXXX that tried to double dip with XXXX XXXX by issuing XXXX bills in the same amount. I spoke to them several times regarding Insurance and " NO PATIENT RESPONSABILITY '' and several months later I find collection attempts listed on my credit reports from TRANSWORLD SYSTEMS INC Collections in the amount of {$970.00} directly affecting my Credit Reports and Score. I call again and find that the accounts were recalled and deleted by the XXXX and the information removed in their systems. The recall did not reach TRANSWORLD SYSTEMS INC Collections and negitive information was placed on my credit report BEFORE the information was verified ( PRIOR TO RUINING MY NAME ). This is proof that this collections agentcy failed to validate a debt and is in violation of the FDCA. Validation is done before listing it on the XXXX credit reporting sites. This directly affected my interest rates and caused a denial of credit. My name has been smeared by TRANSWORLD SYS INC since they acted first and ask questions after the fact. If TRANSWORLD SYSTEMS had followed federal law the information would never have appeared on my credit reports. I want all ALL negitive information for ANY accounts removed from my credit reports since they do not validate debts before the ruin lives.
My loan was sold to Green Tree servicing. I set up auto pay with them and can not get ahold of them to confirm it was set up. It is already XXXX days past my due date and I emailed them before my due date and still have not received any info. Also I have held on the phone for over XXXX mins and still have been unable to get a response.
Traffic ticket was disputed in XXXX Traffic Court and paid. Open XX/XX/XXXX ... ..last reported XX/XX/XXXX.
Roadlloans.com did a hard credit inquiry on my credit report, I did not give them permission.