WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
To whom it may concern, This is to detail my accounts of what happened this afternoon when I called into Pacific Credit Exchange to speak to a supervisor. 

My name is XXXX XXXX. I called initially XXXX/XXXX/XXXX to Pacific Credit Exchange to speak to a supervisor of an employee XXXX XXXX ; Ive called several times between the time of my missed payments and XXXX never returned my calls and each time have been spoken to in a derogatory and insulting way. I was told to hold and was patched into XXXX XXXX. When he answered the phone I gave my name and stated I needed to speak to a supervisor. XXXX processed to insult me and the amount of money I made a payment for and continued to speak unprofessional, and yell at me. When getting off the phone I called and asked to speak to the a supervisor I was informed that XXXX was the owner and he would be back at XXXX. I was told that they are a small company of no more than XXXX employees and when I asked to speak to someone above XXXX XXXX. When I called back to voice my concerns over the unprofessionalism of XXXX XXXX I was then yelled at, over talked, disrespected and never once was assured that the way I was spoken to in regard to my debt was acceptable. XXXX over talked me and aggressively stated it was my problem and he was no longer dealing with me he was sending it to a lawyer and hung up in my face. 

My attempt was to make payment today and in regard to that I was never given the opportunity to do so. Instead I was insulted, disrespected and told how much money I couldnt afford the first time I made my payment. My initial concerns were to discuss the manner in which I was spoken to. I was now informed that legal action is now being taken against me for the debt by XXXX after he hung up on me.
I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted XXXX XXXX XXXX ( XXXX ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with XXXX I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.
I performed the following actions when applying for a Chase XXXX credit card : 1. In early XX/XX/2018, I was in the process of purchasing two round trip tickets from XXXX  XXXX to XXXX XXXX when I saw the application link for a Chase XXXX credit card. The link clearly stated that I would be reimbursed {$100.00} toward the cost of my flights if I completed an application and made a purchase with the card. 

2. I followed the link and completed the application process. 

3. I was not provided instant approval and postponed my purchase pending receipt of a chase credit card. 

4. I received my card on XX/XX/2018, and completed the purchase of my flight tickets on that day. 

5. I met all the requirements listed on the application link to receive a {$100.00} statement credit. However, there was not a credit on my XXXX statement from Chase. On XX/XX/2018 I notified Chase of the issue. 

6. I exchanged numerous emails with Chase, however, they refused to provide my {$100.00} credit and have provided no explanation. The response I received was : " We're sorry for the inconvenience caused. It is not our intention to make it difficult for you to earn enrollment bonus offers on your account. We'd like to share with you that there are offers only available to customers on XXXX who are in the process of purchasing an airline ticket. The offer may be presented in a banner advertisement after the customer has selected to purchase a flight. '' In good faith I tried to meet all the requirements of the Chase credit card offer. Chase has refused to honor the offer terms. The explanation from Chase is that I should have filed the application on XXXX while in the process of purchasing an airline ticket. That is precisely what I did do.
XX/XX/2018 XXXX XXXX EDT I received a call on my mobile phone from Portfolio Recovery Associates inquiring about a debt incurred nearly 20 years ago.

The call is a suspected robo-call. On pickup, there was a long pause ( where I said " Hello? '' multiple times ) until an agent connected and began to ask me for verifying information before stating the purpose and company affiliation of the call.

Once I became aware of the nature of the call, I interrupted the agent to say " Not interested, goodbye, '' and hung up the phone. 

My understanding is that a class action lawsuit has already been filed against this company for their robo-call practices ( I was involved in that suit ). I write this complaint to you with suspicion that they are again using these practices to harass people. Please investigate if there are enough reports supporting this claim.
XXXX XXXX XXXX COLLECTION BOUGHT FROM XXXX XXXXL ONE ACCOUNT IN MY NAME. THE ORIGINAL AMOUNT OWN IN THIS ACCOUNT WAS {$2500.00}XXXX XXXX NEVER GIVE ME CREDIT FOR THE 16 MONTHLY PAYMENT. XXXX CONTINUE TO REPORT TO THE CREDIT REPORTING AGENCIES THE AMOUNT OF XXXX. FIRST MISSED PAYMENT WAS IN XXXX. XXXX XXXX XXXX IN VIOLATION OF THE FAIR CREDIT REPORTING ACT IS RE-AGING THIS ACCOUNT TO A LATER DATE XXXX XXXX, XXXX. IN ADDITION XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY REPORTING ADDITIONAL XXXX FOR A TOTAL AMOUNT OF XXXX. I FOUND THE FOLLOWING INFORMATION IN THE FEDERAL TRADE COMMISSION WEBSITE, PREVENT RE-AGING ( INACCURATELY CHANGING THE DATE OF THE FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE ) AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING XXXX XXXX OR SALES, MERGERS, AND OTHER TRANFERS. BOTH COMPANY XXXX XXXX XXXX AND XXXX XXXX ARE REPORTING THE SAME ACCOUNT WHICH IS A DUPLICATE ACCOUNT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BOTH ACCOUNT ARE MAKING A BIG IMPACT IN MY CREDIT REPORT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION ...
I am a customer of Quicken Loans/Rocket Mortgage. I was investigating a HELOC with Quicken, called them, told them I wanted a second mortgage, and they connected me with " XXXX ... .our California specialist ''. I told her I wanted a second mortgage and she asked about my home value in regards to what it was last XXXX when I refinanced with Quicken. She then told me she would need to pull my credit report to really have an idea about my potential. She asked me if that was ok. I was apprehensive because it's a " hard pull '' on my credit ( which does not go away for a couple of years ). I agreed. She called me back and delivered information about what she found and then told me the payment would be {$3200.00}. I responded " oh you mean my first and second payment together? '' Then she dropped the bomb that the monthly payment she quoted would be a refinanced mortgage of what I have now at 4.75 % ( I'm paying 3.99 % now ). So I guess that approach works for some people with Quicken Loans. They think you are desperate and offer you something and if you really need the money, you may relinquish to take a loan with points and more interest. I told XXXX that you never mentioned a refinance and I made it clear I wanted a HELOC. She responded that " all their conversations were on tape ''. Clearly Quicken Loans has scripted this knowing full well they were not going to offer me HELOC since XXXX told me " we don't do those ... we don't to lines of credit ''. This practice needs to be stopped and stop baiting and switching what you are offering.
I applied for a {$120000.00} fixed rate 15y mortgage with XXXX % down with The Money Store on XX/XX/XXXX. We spoke about closing XXXX/XXXX/15 but did not since the commitment was issued XX/XX/XXXX. I submitted all documents requested XXXX/XXXX/15. The contracted closing date was XXXX/XXXX/15, which they also now missed. Since submitting all my requested documents on XX/XX/XXXX, The Money Store has continued to delay the closing requesting unreasonable documents, not originally requested. Each time I submit documents, they come back with yet another request. For example, there are beneficiaries listed on my bank accounts and The Money Store demanded that I obtain a letter from the bank stating my beneficiaries can not withdraw any money from the account. Once I submitted that bank letter, then they asked that my beneficiaries sign something to the same effect. Another example is The Money Store requesting me to contact the title company I sent a wire to requesting the copy of the cashed check for the money I gave to my mother to pay the balance due on the purchase of her home XX/XX/XXXX! I have perfect credit with no debt and an annual salary of over {$100000.00}. I have plenty of cash in my Money Market account to cover the XXXX % of the purchase and to cover all closing costs, yet The Money Store continues to make these unreasonable requests delaying our closing and pushing us back beyond the contracted closing date. What rights do I have in NJ regarding this issue? The sellers of the house are looking into their legal rights since I have violated the contracted closing date due to The Money Store. I have requested an extended closing date and have yet to hear back from the sellers. The Money Store has had some management changes. I wonder if they are hoping I move onto another lender due to the benefits I reminded them about - {$1000.00} back at closing, no application fees, no commitment fees, no lender fees. Their commitment letter to me listed the fees, which is when I reminded them of the benefits listed on their own website! The loan officer said he was not aware of them and said after checking with his supervisor, it was determined I would receive those benefits at closing.
According to information presented at XXXX the XXXX HSBC Settlement agreement addresses HSBC 's alleged misconduct regarding its mortgage servicing and foreclosure practices. 

As outlined by the Consent Order ( XXXX ) we have not received any information about our specific HSBC loan in which multiple illegitimate foreclosure attempts by HSBC were made, trial and temp modification were fraudulent and deceptive, and gross neglect of law was commonplace with HSBC and their representatives. We defended XXXX XXXX XXXX XXXX erroneous foreclosure attempts alone on this account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, and each XXXX of them was full of fraudulent and abusive actions. The latter foreclosure attempt was also abandoned by HSBC for over six ( 6 ) years. 

I do n't really know where to begin with informing you and others about the elongated problems with our specific mortgage mess. I can only share our information so you can get a clearer picture of the atrocities my wife, family, and I have endured as a customer of HSBC from XXXX, XXXX through to XXXX, XXXX. I can provide further evidence or information upon request. 

When we reached out to both the XXXX HSBC Settlement staff ( by phone ) and the Office XXXX ( by email ) earlier this month, they both informed me that they can not help us. They are simply enforcing information they have.
DISCOVER BANK MADE A HARD INQUIRE ON MY CREDIT TEPORT WITHOUT MY CONSENT I HAVE NEVER TRYED TO GET ANYTHING FROM DISCOVER
The lender Santander bank every XX/XX/XXXX of each month automatically withdraw mortgage payment and escrow amount from my bank account to pay property tax. However I got a demand of payment letter from the town in XXXX asking for fiscal year 2018 property tax payment with a demand fee of {$5.00} and interest charge through XX/XX/XXXX of {$12.00}. The demand fee and interest charge ( due to late payment of property tax ) were caused by the lenders negligence, not because of my failure of payment. I contacted the lender with a call and followed up with an email on XX/XX/XXXX to resolve the issue and asked the lender to pay the demand fee and interest charge ( for late payment of property tax ). The lender did not respond or contact me at all as of today XX/XX/XXXX. I also got another letter from the town for another interest charge of {$33.00} ( due to the late payment of property tax ). I requested The lender be responsible to pay property tax on time and also be responsible for any additional cost such as interest for late payment of property tax in total of {$46.00} and the demabd fee of {$5.00}. I request full refund of XXXX
The Barclay card services XXXX XXXX XXXX XXXX withdrew funds from my checking account via Electronic Funds Transfer with out authorization. When I confronted the Barclay card Services, they stated that someone with IP addresses from XXXX XXXX and XXXX Utah gave permission to do so. I and my band XXXX XXXX filled an investigation into the matter and I was found without fault. I was told to file a stolen identity report with the credit bureau and the police department. I filed the reports with the agencies and then wrote the Barclay card services in regards to the time I spent doing this and asked them for the IP addresses so that I could give them to the police for further investigation. It is in my belief that this is part of the XXXX XXXX indemnification of their customers. I never received a letter in return regarding my Identity thief and believe that this is a form of discrimination and consumer abuse. I have continued to make payment on the credit card, but believe I am entitled to relief for all the time and banking processing that I have suffered do to the security of the Barclay Card Services.
On XX/XX/2016 I discovered that at approximately XXXX that morning, an unauthorized withdrawal of {$2900.00} was made via teller withdrawal from my checking account at Citibank XXXX The line item on the transaction showed the location as being at an ATM at XXXX in XXXX ( this is about XXXX miles from where I live and I was never there ). I reported this at once to Citibank and opened a fraud investigation. The following Monday I went to my local branch in person, and at that time saw that on XX/XX/2016 ( Saturday ) at around XXXX an additional {$2900.00} was fraudulently taken out of my account at the same branch in XXXX XXXX The entire amount of funds stolen from my account is {$5800.00}. 
I have been working with Citibank for almost XXXX months and the funds still have not been recovered into my account. Citibank 's latest instruction to me was to make a police report and then provide them with the case number, so that they can request and review camera footage from the ATM where the funds were stolen to ascertain that the individual making the withdrawals was not me, was not known to me and/or did not have permission from me to make a withdrawal. So far they have denied my fraud claim on the basis that the withdrawal was made using my card PIN number. Citibank asked me to provide a written affidavit stating that I was not the person that withdrew the funds, and that I did not know nor authorize anyone to withdraw the funds, which I did complete and provide to Citibank. I guess the inference is that I must have provided the number to someone but this is false. I have not shared my PIN number nor my card with anyone. I do not keep multiple copies of my debit card, and there are no other signers on my account that have access to it. I do not keep my PIN number written down anywhere. I have not given the card nor the PIN to anyone ever to use nor given anyone permission to withdraw funds using my debit card, ever. 
My suspicion is that a card skimmer was used to copy my debit card information. On the night before this all happened ( Friday XXXX XXXX a taxi driver asked that I purchase them gas in exchange for a lower ride fee, and I suspect that before I used my card for this purchase they put a card skimmer on the gas tank and secretly observed or recorded my PIN when I made that purchase. That 's my strong suspicion just because the timing is very coincidental. 
I would greatly appreciate any assistance, advice and help working with Citibank to recover these funds. I am a single father of XXXX teenagers, my wife passed away last year and I can not afford to lose this much money. Can you please help me. 
XXXX, XXXX
I attempted to make a payment on XX/XX/XXXX in the amount of {$190.00} and my payment was rejected. I called XXXX XXXX the owner of my checking account debit card and they had not placed any holds on my accont for fraud. I called XXXX XXXX to ask why the payment was rejected and was told it had to do with my bank.I then made the payment over the phone. I again tried to pay a bill on XX/XX/XXXX for {$120.00} and again my payment was rejected.
XXXX XXXX Account Executive, XXXX # XXXX XXXX XXXX Processor, Retail PennyMac Loan Services , LLC Both reps were rude and not friendly. They scheduled a closing date and tim, XXXX XXXX, 2016 at XXXX XXXX. No one showed up. Nobody called to cancel or to reschedule. I called to speak to a manager. It has been four days and no one has called. I have XXXX different closing disclosures. The XXXX one has me borrowing almost a thousand dollars more than what I owe. Plus all the loan costs have changed. The loan costs, other costs have all changed. WHY? One disclosure shows Title insurance went from {$400.00} to {$400.00}. Why have all the figures for each specific loan cost changed? Seems to me they are just playing with the numbers to fool me into signing. I NOW FEEL LIKE I CAN NOT TRUST THESE PEOPLE AND WANT TO CANCEL THIS REFINANCE.
Capital One bank says that I owe XXXX dollars on a credit card that is not mine. It is being reported on my credit as a XXXX dollar balance that I have never incurred. I believe that I was a victim of identity theft.
This company has hand mailed me 2 letters within the month now and these are n't regular collection notices, these are " court order '' documents with my name and address on them but no other information such as a judge or his signature on the document and also..no notary stamped anywhere. They have threatened to garnish my wages also.
I paid my my co-pay to XXXX XXXX XXXX in XX/XX/XXXX for my XXXX. I never received a bill for charges beyond that. PDQ Services, INC has looked into my credit it seems over the years, my husband and I filed for bankruptcy in XX/XX/XXXX. I disputed the information this XXXX XXXX because I got a hit on my credit AGAIN. In the dispute it was stated that the debt was not included in my bankruptcy because it had been paid- I PAID MY MEDICAL CO-PAY for services rendered- again with no notification of owing more than that. Now they are sending me letters stating they contacted their client XXXX XXXX XXXX to verify the debt. 

I called today to speak with XXXX as I have moved away only to find the office has been CLOSED. There is no forwarding number, website or information. I do not know who PDQ is contacting because XXXX XXXX XXXX is out of business. 

I am so frustruated, my credit score has dropped XXXX points in the last month due to this improper collection. When I tried to call today to get information on who they spoke to I could n't get the person who was trying to collect from me on the phone. This is now 5 years later.
In  XXXX    XXXX   a collection of  XXXX  was added to my credit reports. Company never notified me through mail, phone or email. Debt just appeared on my credit reports. After filing a complaint midwest recovery systems removed collection. However the debt is now back on my report.  XXXX  reporting as open. This is not my debt.
XXXX   XXXX   XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in unknown, unidentified amounts. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
For 2 and a half years since 2015 I received calls with threats from this company which include damage my credit. They claim I owe {$530.00} to XXXX XXXX XXXX XXXX. Which I never have been to. I called this XXXX and they didnt have a record of me there. Now this XXXX XXXX XXXX have reported me to XXXX and it has impacted my credit negatively. I am tired of their abuse and I would like for them to take the negative mark from my credit report.
I had a credit card account with Capital One which I closed because of poor customer service. At the time of closing there was a credit balance in the account. According to Capital One I will have to wait 60 to 90 days to get a refund check. This is an outrage.
I received a collection notice about a month ago and I responded to advise the collection agency that the debt was not mine and is a result of identity theft. The debt is disputed, not owed and stop collection attempts. The agency sent me another collection notice dated XXXX XXXX, 2016.
On   XXXX   XXXX   XXXX     I requested my loans be enrolled in the  Navient AutoPay sy stem. The request was processed showing the  AutoPay wou ld start for my loans on   XXXX   XXXX   XXXX    . However, this loan payment was not processed and th e Autopay did not take effect. The interest rate was not reduced by the 0.25 % as advertised on the website. I made the   XX/XX/XXXX  payments manually on   XXXX   XXXX   through the website, and called on   XXXX   XXXX   to have the  Autopay service enabled on  XXXX  of  the loans. At this time, I also requested forbearance on the largest loan. I confirmed on   XXXX   XXXX   forbearance on my first loan, Loan number  XXXX  and  Autopay en rollment to start on   XXXX   XXXX   for  XXXX  and  XXXX . I also confirmed  that Autopay wo uld not affect my ability to pay the  XXXX  loans currently in repayment ahead. After receive vocal confirmation of all this I concluded the call. On   XXXX   XXXX   XXXX     I called Navient because I logged into Navient.com and saw my loans were not enrolled in  Autopay.  When I reached a representative on the telephone she told me I requested to put all three loans into forbearance on the website. I told her this was inaccurate and I explained I requested the forbearance f or one loan over the phone. I asked for a supervisor and the representative started backpeddling. I was told to  hold for a supervisor. A supervisor was never brought on the line. However, the representative informed me the  Autopay was started a nd would take effect for    XXXX   XXXX   XXXX     . She informed me I would be able to see this on the website tomorrow because I was not able to see any change on the website. The school loans were received through  XXXX   XXXX  University and University  of    XXXX   University  College.