WillisBack/dataset-financial-user-claim huggingface dataset:
The collection agenc y, Rauch-Milliken International , Inc., was hired  by   XXXX   XXXX   XXXX  . In  XXXX  of  2016 I tried to r each out to  XXXX   XXXX   XXXX  many times via email and phone. I wanted to inform them I no longer wished to use their service. I ha ve zero  call back or communication from the. They auto renewed my advertisement without a verbal or written agreement from me. The collection  agency Rauch-Milliken International , Inc., is now harassi ng my office staff and sending me threatening letters.
XXXX  2012 ,   I went into    XXXX   XXXX   to discuss options for hair removal. We had agreed to 10 appointments for a total of {$3800.00}. After the first appointment, I declined to continue and asked for a refund of the remaining services. The company offered to have the services transferred to another service instead of the hair removal, however I declined and assumed that I would be refunded the remaining amount. However, as I am now applying for a mortgage, I found that Chase is reporting the debt as a charge off with the amount reflecting past due. I absolutely dispute this as it is a debt for services never rendered.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against AMSHER for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Since the FTC Fair Credit Reporting Act attempts to prevent consumer 'Discovery ' by requiring that 3rd Party entities ( such as Collection Agencies ) contact consumers about a reporting action before submitting it, I submitted a request on XXXX/XXXX/16 via Equifax 's Online Dispute process to have a ( {$27.00} ) XXXX reporting entry removed. 

Although I informed Equifax that I was never contacted by the provider XXXX XXXX XXXX XXXX XXXX about the matter, it 's now been over 45 days and the company is yet to remove the entry as requested.
In  XXXX  of    2015 I h ad to open a Care Credit account for dental work. At the time I opened the account I requested that they process an automatic draft for monthly minimum payment of {$55.00}. Every month I had to mail in a payment because they failed to do so. I have now been charged late fees and they refuse to set of auto drafts until the accou nt is current. I am a Senior Citizen o n a fixed income and I do not have the extra funds to bring the account current. I feel the payments were late due to their failure to start the drafts in a timely fashion.
XXXX XXXX of XXXX, I offered Bank of America, the owner of the house, $ XXXX for a home and the bank accepted the offer. At the time, the house was a short sale and scheduled for foreclosure and had a foreclosure sale date for XXXX XXXX. So, from the time Bank of America accepted my offer in XXXX I was told I needed to wait for the bank to provide a release letter to close on the home. The house had no appliances and had holes in the walls which I was told needed to be remedied before I could close. I wanted the house, so I bought and installed all the appliances and fixed the holes in the walls. Still anxiously waiting for months to get the release letter, in XXXX, the bank said that they wanted to re-appraise the home. So, in XXXX, after I had done all the repairs and installed all the required appliances the house appraised for $ XXXX more, $ XXXX. So, Bank of America told me they would not give me the release letter to close for the agreed to price that we had under contract of $ XXXX, they said I could n't have the house unless I paid $ XXXX and if I did not agree they would sell the house at the XXXX foreclosure auction. Of course the house appraised for more, I had made the fixes it needed and installed appliances, all from my own funds. It was unethical for them to not honor the offer they agreed to when it went under contract and to threaten not to sell it to me if I did not agree to their new price after waiting months for the release letter after the original agreed to contract. This was wrong. Since the bank was threatening to go through with the foreclosure sale if I did not pay the price increase. I felt I had no choice, although I felt this was very wrong. Under much duress, I signed the bank 's counter offer on XXXX XXXX, XXXX to acquire it before the scheduled foreclosure sale.
I own a discover card and was going through a financial hardship and missed a payment of XXXX on one month
A flight was purchased on XXXX/XXXX/XXXX for a trip to XXXX XXXX, XXXX for XXXX XXXX, XXXX flying on XXXX XXXX purchased through JP Morgan Chase XXXX XXXX XXXX website with my Chase XXXX XXXX credit card for {$680.00}. The airline entered into a pilot strike one week before the flight. As a result of the pilot strike the flight was canceled, I purchased another flight from an alternative airline ( XXXX XXXX ) for the same dates through Chase benefits and requested a refund from Chase. I was forced to open a claim rather than recieve the funds from the canceled flight, they want paperwork from an airline that will not return my calls, I have told Chase time and time again they ( XXXX XXXX ) do not even pick up the phone. The flight was canceled in XXXX XXXX and it is now XXXX XXXX, I have yet to recieve any type of credit from JP Morgan Chase. Several individuals, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, as well as several others have received their refunds from their respective Credit Cards by submitting claims with their CC or by filing a claim with the CFPB. I keep getting the run around from Chase XXXX XXXX, their site specifically says that i am eligible for a refund as a result of the pilots strike, but they refuse to process my claim.
I 've had a few fraudulent accounts on my report since XXXX. At the time I was under the age of XXXX years old, basically a victim of identity theft. I 've been reporting these items on my report for the last year or two. My report contained an address I 've never resided they 've been reporting that address for 4+years. I 've been disputing the account since I turned XXXX. The two XXXX XXXX collection accounts do not belong to me, they were opened before I was of a legal age. The third account is a cellphone carrier XXXX, once again I was underage. So how are these accounts being opened when I was only XXXX years old??. Unless my info was being falsified. So now Equifax is keeping this account on my report even though it was fraudulent. XXXX  removed the account with little to no issue after I explained the situation. Someone falsified my information and used it to open these accounts. I 've been explaining to equifax but it still has n't been resolved. Im asking for contracts and or agreements bearing my signature to prove the validity of these two accounts, If there isnt these accounts should be removed. If not I 'm allowing my attorney to handle this, I 've already authorized my attorney to access my reports. I am not gon na keep allowing equifax to keep damaging my score by allowing 2 collection accounts to remain on my report that are a result of identity theft. I 've even received a statement from the Federal Reserve acknowledging there was indeed identity theft involved.
Capital One Bank ( USA ), N.A was grossly negligent in XX/XX/XXXX with following the Federal Statue of The Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX ( " Credit Card Act of XX/XX/XXXX'' ) and has caused harm to me. Capitol One Violated Public Law 111-24, SEC.  150 of The Credit Card Act of XX/XX/XXXX which states : " A card issuer may not open any credit card account for any consumer under an open end consumer credit plan, OR increase any credit limit applicable to such an account unless the card issuer considers the ability of the consumer to make required payments under the terms of such account. '' In XX/XX/XXXX my Capitol One credit card had a credit limit of {$500.00}, on XX/XX/XXXX Capitol One had increased the credit limit of XXXX ( APR 29.40 % ). The extension of with no request from me was 11 times greater than the original limit which was maintained since XX/XX/XXXX. Capital One gave no consideration to my ability to make payments and by doing so violated the federal statute. During XX/XX/XXXX my income was {$6700.00}, in XX/XX/XXXX my income was {$5500.00} and in XXXX it was {$2700.00}. During this time I received public assistance in the form of the SNAP program, fuel assistance and at times was involved in the " Jobs First '' program. <P/>In XX/XX/XXXX I questioned the validity of this account but was told it was too late to file a complaint. After having trouble making a much higher monthly payment I did as Capital One promotes on each statement, " We 're just a phone call away to HELP you, we have solutions. '' So after speaking with a Capital One agent I began and made consistent agreed upon payments of {$220.00} from XX/XX/XXXX through XX/XX/XXXX, This effort to pay off this debt NEVER touched the balance on this account with an interest rate of 29.40 % how was it ever, after 7 months of payments I stopped as Capitol One had no solutions to work with me on getting out of this vortex of XXXX. This account is pulling down my credit score because Capitol One practiced sub-prime predatory lending. I believe this should be nulled as Capitol One engaged in fraudulent and illegal actions under the Credit Card Act of XX/XX/XXXX. It was not legal for them to increase my credit limit 1 % let alone 11 % in one billing cycle. SEC 150 " Ability to pay '' of the Credit Card Act was established to prevent situations like this from happening. Capitol One disregarded the Ferderal Statute in accordance with public law and has nulled any claim against me. This Capital One is too large for me to fight and they have an unequal advantage I am requesting the CFPB help me. <P/>I do not have the means to sue Capital One but they hired a lawyer to sue me, and I responded with basically what I wrote here to you and all my XXXX 's and social service paperwork and credit report. Thier lawyer withdrew the case after I submitted my answer to the court and asked for a counterclaim. Capitol One broke the law, and should be held accountable! I will provide documentation but I have to mail it or fax it.
I was in a major accident and my vehicle was deemed a total loss. Ultimately the other driver was at fault and their insurance company paid out a large settlement to Global Lending Services. I also had Gap insurance which paid out and a refund should've been processed for the remainder of my extended warranty. This was not done resulting in me having a negative remark on my credit report.
I had been paying on a credit card that I had for my business, although the card is in my personal name. After I closed the business, I came to an agreement with a collection company to continue making payments. I lost my job at the end of XX/XX/XXXX but continued making small payments to the company. I was making these payments with money from Unemployment Compensation, which I received for 6 months. I was not having success in finding work so decided to go back to school to change careers. 
I received a notice from the collection agency/attorney that they would be filing a lawsuit if I did n't settle on the account. I contactedthem and spoke to XXXX XXXX ( with whom I had been working for quite a while when I was making payments ). I wanted to come up with some kind of deferment or plan that was workable now that I am no longer working. Because I felt an impending threat, I offered to make a {$1000.00} payment after speaking to friends to come up with the money. XXXX XXXX said that they could take the money then and have a monthly amount that would increase over time. I did not want to make that commitment over the phone and asked him to send me a copy of the agreement. He agreed to this. In the conversation, it was implied that the legal action would not proceed while I was waiting for a copy of the suggested payment plan. They took my money, which I presumed was a sign of good faith from me. 
The only money that I am receiving now is from student loans that I have taken out to go to graduate school. Any money in my bank account has come from these loans. 
I assume that XXXX XXXX XXXX has since written off the account balance. There have been many collection agencies I have made payments to for this account and it seems that each company has gotten more and more aggressive with their collection tactics. 
This is n't the only debt that I have remaining from the closure of my business. I have made small payments to various collection companies for several debts. When I was working, I was able to settle on some of them, or pay them off completely. 
I am now in a situation where I will not be able to earn income until I graduate in XXXX or XX/XX/XXXX. The program I am enrolled in is very rigorous and does n't allow me time to work. I am XXXX years old so I do n't have the energy that my fellow students have, and it takes all of my time to complete my schoolwork. 
I feel that this company has been very aggressive with me. I have made payments when I can and they have kept applying pressure. After I received their latest communication ( packed into a very small envelope. I opened it with the expectation that it was finally the contract that I had requested ), I was not able to sleep well for XXXX nights. 
It has never been my intention to file bankruptcy. I have worked very hard to avoid it but feel that companies like this, and their pressuring tactics, are driving me to this. I feel harassed and taken advantage of.
The XXXX XXXX XXXX entered a legal LEMON LAW with XXXX and XXXX, Same issue more than 3x. The car was taken from me XXXX. I was FORCED to stay in a lemon law car a year after all terms of this loan were BREACH/FRAUD. The car was NOT CERTIFIED USED. The loan was not my responsibility once deemed Magnisam Moss by the attorneys. The dealers and banks were notified and aware,. I was given back my deposit to move this loan into a WORKING REIABLE method of transportation. XXXX XXXX knew the previous car XXXX XXXX in my name was returned to XXXX for water damage as well. In 6 weeks before I could even make a 2nd car payment they gladly took this car back and put me in a XXXX XXXX which is still on my credit report with a negative XXXX, XXXX affecting my credit. This was the lemon law car. This was also the 2nd car unjustly sold SCAMMED me as it was flooded and dried out and resold to innocent customers. They then repo it after 1.5 payments late leaving me with adverse credit when XXXX PA Attormey said you get your deposit and the dealer is to COOPERATE asap and help you get into and move loan over!!!! I am not forced to be in a rental car at XXXX month and will never be able to get another car. XXXX and XXXX MUST TAKE RESPONSIBILITY!! Write this off. This could have been a DEATH Claim!! Car was shutting off at high speeds. IT is JUNK it needs to be removed from my credit,. It is not my fault,. I was sold and scammed damaged goods. I will file a police report if this doesn't get off my credit. LET the dealer take the hit or the lender. The moment it became BREACH or they decided to pick it up ONCE I fixed it and XXXX I lost XXXX, XXXX and I need my money back from XXXX plus repairs over the 2.5 years and towing.,. Someone owes me a new car or a refund and OFF MY CREDIT NOW!
This is a complaint against BARCLAY CREDIT CARD. INQUIRY DATE XXXX XXXX2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission
I have a XXXX XXXX XXXX I purchased in 2012. I used my employee discount to purchased the car. When I look at the car pay off it still shows I owe XXXX dollars in pay off. This can not be right. This was a simple interest loan taken on the car at 10 % for 72 mths When I look at the payment history of the payments made, I see when I make a payment some of the money will go towards the card and some will go towards interest. For example. One month I paid XXXX dollars on the loan they put XXXX dollars to the principal and XXXX to the interest then the next month I paid XXXX dollars again. They put XXXX to the principal and XXXX to the interest the next month I paid XXXX dollars and they put XXXX to the principle and XXXX to the interest This is NOT correct there should be a certain amount each time going to the interest not jumping like that. I will never pay the car off at this point. At 5 years this car should be paid for through Santander Consumer USA if I received a 5 % discount on dealer invoice. Something does not sound correct here. They are not doing something right. Even if I deferred 3 payments I should not owe XXXX dollars left on the car in this amount of time.
Everything on my Credit Report is accurate except my score is not going up as it should be because I make all my instalment and revolving credit payments on time, just for example it went down XXXX points a couple of days ago for no reason. I suspect that it could possibly be some kind of identity theft involved because my score should be at least over XXXX.
Several years ago Union Bank of Ca switched my checking account from a standard account to one that required a {$10000.00} min and would pay interest. It also would charge me a higher fee if I did n't maintain the balance. I was never asked to switch accounts or contacted in any way. I just noticed the higher fees on my statement. I called and was told that a teller ( I recall XXXX ) in a branch in XXXX which I 'd never been to had made the change to my account after someone cashed my check at that branch. When I heard the XXXX story I realized this could have been a similar scam.
On XX/XX/XXXX - 3 Certified Letters were sent to all 3 credit bureaus ( XXXX, Equifax and XXXX ). The letters included a handwritten letter explaining the debt and account information being incorrect and a copy of my identity. This item needs to be removed as soon as possible. As of today, XX/XX/XXXX I have not received a response from Equifax or XXXX. 

Original Debtor : XXXX XXXX XXXX XXXX : XXXX XXXX Balance Owed : {$390.00} Settlement Paid : {$190.00} Paid on : XX/XX/XXXX Please attachments-
I have had trouble getting my IBR application resolved since XX/XX/XXXX. I have had repeated contact with Navient regarding my account XXXX. I was on an in school deferment until the first of this year. After repeated faxes and attempts to get some resolution on my account, my account is now saying its 273 days behind. Navient 's excuse of not resolving my account was that it was being researched and they did not receive my income verification. I last spoke to them and it was supposed to be resolved as the month of XX/XX/XXXX. I work a XXXX job which I have been laid off from and I am XXXX XXXX. My income averages {$25000.00} a year and my student loans are in excess of 200K. They were faxed in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with 22 pages reflecting my XX/XX/XXXX tax return which is my only proof of income. I do not understand how this agency can not get this right. They are not my only student loan servicer. I had a similar issue with XXXX XXXX and they resolved the matter just fine. Please advise. I do not know what to do. Thank you for your attention and assistance in this matter.
XXXX XXXX has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. XXXX has failed to report any payments since XX/XX/XXXX. These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX. 

I contacted XXXX XXXX on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from XXXX saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.
I 'm trying to use this app that allows me to take out money and be deposited in my account. But it takes so long to update my transactions it takes like 2 days in order to receive it and get the money
I had an account with BB & T Bank. When I opened my checking account I specifically stated I did not want them to process any transactions that would send my account into an overdraft status. I clicked on the " opt-out '' link. BB & T allowed many transactions to go through on several occasions which resulted in exhorbitant overdraft fees. I paid BB & T for some transactions. I even spoke to a representative who stated she saw where I " opted out '' and she refunded my money for this. However, BB & T continued to allow transactions to go through and now they are trying to collect these funds from me. I have spoken to several representatives in customer service trying to resolve this matter but to no avail. I do not believe I owe BB & T any money because of their negligence. I want them to cease all collections activity and to remove all disparaging information from Chex Systems, Telecheck and any other consumer reporting agency that they have reported this information to. It is not right for them to disparage consumers based on their negligence.
I am going to try to consolidate this without get things to confusing. 

As you know I have been similar incidents with you regarding this in florida. 

We recently moved here to XXXX  from XXXX  and XXXX  froze credit. when trying to use card i was told to call in and get card updated. when I went to get card update XXXX  said card could be updated. 

In addition to this, XXXX XXXX informed me that XXXX had sent them a bad credit rating and they need to readjust my application. when I went to check XXXX I could acess account and was not able to use the web site. when I attempted to call again was blocked When we first moved here, we need to use credit report for phone and lights, previously we had to locked reports but report should have been open for two from the date I had initially open them, but when contact the recording agency one was XXXX  for lights, they said account couldn't opened. 

Include in this was another incident with credit union and bank account was open at one and ended up at another ; bank records can easily confirm this. 

Now these two other incidents, so we will need help to address.
Attempting to complete a short sale on the property due to the amount being over the current amount valued. Caliber Home Loans is not allowing for the short sale to commence nor be reviewed.
FEDLOAN servicing claims I was delinquent several times, some over 150 days, XXXX times on my credit report. I have attempting to contact them and get this resolved but they will/can not help. I received one monthly statement from them and except for maybe 2 months in each year was behind because I was filing for income based repayment ( IBR ), Deferment, forbearance, which I had been approved for. 90 % of the one monthly statement I received from them had a {$0.00} payment due. Currently my account is discharged due to XXXX and it is no longer with them and all they tell me to do is contact the new creditor, but they have nothing to do with what FedLoan is reporting. Their loan and reporting practices which from what I have read is under investigation has cost me a mortgage, a loan and I ca n't even rent an apartment. It looks like I have not made payments on XXXX separate monthly account statements several times at the same time for 150+ days. This is incorrect and should be considered illegal reporting. By failing to update and correct previously reported information, FedLoan Servicing is in violation of Section 623 ( a ) ( 2 ) of the FCRA.