WillisBack/dataset-financial-user-claim huggingface dataset:
Macy 's is charging a minimum interest even though there is no balance on the account at the time the interest is charged. I was told I need to make a payment on the interest charge while there was a XXXX balance I made a payment of XXXX ( XX/XX/XXXX ). I was assured by the rep that that would bring my account to XXXX and there would be no late fees/charges. A month ( XX/XX/XXXX ) later I was charged another {$2.00} which I didnt know about because I did n't check my account since I wasnt carrying a balance. I made a purchase in XX/XX/XXXX and went online to pay off my account. Found out there was a late fee and another XXXX interest for XX/XX/XXXX. This is ridiculous and beyond frustrating. The customer service rep I spoke to could not provide a convincing argument but removed the charges. Shame on you Macy 's. I am closing my account after 10 years of being a cardholder.
Transunion is falsely reporting inquiries that shouldnt be on my credit report. My inquiries were removed and then reinserted without a 5 day notice given to me ( Which is a FCRA Violation ).
Please be advised that this complaint # XXXX against GM Financial has not been resolved. I am alleging that GM Financial engaged in deceptive trade practices along with XXXX XXXX who paid GM Financial via my bill pay account. Let 's try to communicate the facts that need to be answered once again. XX/XX/XXXX, GM Financial received a car payment that XXXX XXXX alleged had the incorrect mailing address but correct GM Financial Account number. Following the XX/XX/XXXX payment, the XX/XX/XXXX and XX/XX/XXXX payments with allegedly the same incorrect mailing address and same correct account number were not received by GM Financial. I asked GM Financial to produce all internal records to prove that they did receive the XX/XX/XXXX payment with the wrong address but correct account number and to prove that they did n't receive the XX/XX/XXXX and XX/XX/XXXX payments with the correct account numbers from XXXX XXXX. I explained that XXXX Bank refuse to provide me with all three mailed, returned, and cancelled checks and therefore, I was requesting the XX/XX/XXXX cancel check from GM Financial and the XX/XX/XXXX and XX/XX/XXXX returned mailed checks from GM Financial and the XX/XX/XXXX and XX/XX/XXXX cancelled checks received by GM Financial in order to prove that they had nothing to due with the deceptive trade practices and fraud of XXXX XXXX. GM Financial refused to provide me with this material information to exonerated themselves of engaging in deceptive trade practices and fraud. GM Financial refusal to provide me with the internal documents for my car payments was based on deception and fraud. These incidents of fraud occurred before I return the vehicle in and the fraud was the reason that I return the vehicle in. Let me repeat myself, the deceptive trade practices and fraud occurred before I returned the vehicle and it was the reason that I returned the vehicle. Until GM Financial provides me with the internal car payment records specified in this complaint ; then, they knowingly and intentionally engaged in deceptive trade practices along with XXXX XXXX who also refused to provide me with the internal records and stated that the cancel checks were destroyed which is a violation of federal document retention laws.
I was never notified interest will accrue on loans when I was in school. That interest accrued and capitalized. I have been paying loans back since 2009 ( approx. $ XXXX/month ) and I have not even hit the principal on my private loans. I was talked into a forbearance a few times although it was not a good move for me because again the interest accrued. There were many many times when I pulled my statement and it showed {$1.00} went towards principal and the remainder of the payment went towards interest. At this rate I will pay back over {>= $1,000,000} for college because of these guys and how they apply my payments! They are all rude and they are all XXXX.
They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt
My Equifax credit report lists my wife 's XXXX revolving account as my own. I am a authorized user, but it is not my account. Thank you.
I first received a letter from XXXX XXXX which listed itself as a subsidiary of XXXX XXXX XXXXt. The letter was datedXX/XX/XXXX and I received it XXXX/XXXX/XXXX. The letter stated they just acquired a debt that I owed to the tune of {$6600.00} and demanded payment. OnXX/XX/XXXX they sent an overnight XXXX letter to me stating they had made numerous attempts to contact me- I had received one letter and have never spoken to anyone on the phone ) and threatening to sue me. I sent a certified mailed request for validation and disputing that I owed them any money ( which was signed for by them on XX/XX/XXXX ). I requested a contract with my signature showing that I owe them anything at all. I then received 2 letters from them - both were dated XX/XX/XXXXhowever I received them on 2 separate dates - First I received a letter welcoming me to MCM - Midland ( no longer listing XXXX XXXX ) and stating they got the debt onXX/XX/XXXX ( previously they had given me no date ). and telling me to call to make good on paying them. Then a day later I got another letter from MCM stating they received my dispute and stating their info is correct. They enclosed a copy of an old statement from months prior from when they claim to have gotten this debt. They enclosed no contract, nothing with my signature indicating that I have any obligation to them. I have again sent them a request for something with a signature and asking for details. I believe this violates my rights under the FDCPA and FDCRA - they did report that I was disputing it but then stated it is legit without anything showing I signed. They tried to intimidate me by sending me the overnight package threatening me with litigation without even allowing me time to dispute it and then tried to cover it up by transferring it within their own company.
I was a victim of identity theft and noticed a collection from Ad Astra I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Ad Astra in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I requested a break down of the fees which are considered arrears from Ocwen XXXX totaling {$9300.00}. After receiving break down ledger it indicated there were double amounts of charges for " property Valuation expense charges. '' Example of those charges billed were {$320.00} and property inspection fee of {$10.00}. They were charged sometimes twice a month. HUD was involved and in XX/XX/XXXX the Ocwen became the lien holder with starting out over {$10000.00} in fees. After requesting for modification that went through after drop in income, what was a fixed loan became a balloon at the end of the maturity requesting collection of the balance of the loan over {$40000.00}. I asked why ca n't we just do the lower interest because now I am working with a better income and not require this " balloon, '' during the time of the trial period, my answer was it 's better for you. They continue to add 10 years again on to the loan, which I do n't understand, it was mature at XX/XX/XXXX now I was told today it is XX/XX/XXXX. No correspondence was sent to me of this change.
My Name : XXXX XXXX Debt : XXXX in the amount of {$6.00} Company having issues with : Credit Collections USA Address and phone of company : XXXX XXXX XXXX XXXX, XXXX, WV XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Date of service : X/XX/17 Date spoke with credit collections : X/XX/17 I am having an issue with a credit collections company and wanted to ask you about my rights or what I can do to get this corrected. I lived in XXXX and moved to XXXX in XX/XX/XXXX of this year. In XX/XX/XXXX I had to go to the ER. I have insurance. They paid their part of the bill and I owed {$6.00}. With moving, I never received a bill and was unaware I owed this amount. 


My husband and I were starting the process to purchase a home and found out it had been sent to a credit collector. Credit Collections USA based in XXXX, WV to be specific. I called them right away to get this paid and taken off my credit report. The employees there stated that I can pay my bill but they will NOT remove it from my report. I explained to 3 different representatives that I did not receive a bill or a phone call about this bill. They assured me they sent a bill in the mail. I did not receive ANYTHING from them. They had the wrong phone number listed for me so if they did try to call, they could n't reach me. I explained that I just wanted to get this taken care of for them and they REFUSE to help me in any way. I then contacted the XXXX department and explained the situation to them. They called the collection agency and were told the same thing. They do not agree with this method either. 


What are my rights? What can I do? I feel like my credit is being held hostage because of {$6.00} I was unaware I owed. This is the only derogatory record on my credit report. Had I known I owed a VERY small amount of {$6.00} I would have paid it immediately. All of the other bills from the ER were paid and taken care of. I was unaware of this never received anything from the XXXX dept or the Credit Collector. How can they do this to someone. I have done nothing wrong here. I have worked very hard for years now to make sure my credit is in good standing. How can a company do this to us? I feel this is an unfair practice for them. Please help me or offer some guidance as to how I can get this corrected. 


Thank you, XXXX XXXX
I have received repeated calls from different numbers, all with the name " Halsted ''. Nobody ever speaks, and when I call them back, I get an answering machine that blares music. 

DATE | TIME | CALLED FROM XXXX/XXXX/2016 | XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX
I am attaching in the form of an attachment a Motion to Set Aside Judgment and Request for Sanctions for violation of the Fair Debt Collection Act that will be forwarded under separate cover unless there is a way to attached a filed hereto.
Collector calls me at work about once a month and I 've asked to not be contacted there. Is extremely rude, tells me i 'm irresponsible and belittles me on the phone. I 've tried to discretely answer questions while at work, but caller is pushy and not willing to listen to reasons for missed payments.
I paid my mortgage for the month of XXXX. There were issues with paying over the phone. I mailed in my money order XX/XX/XXXX. I still haven't received the money order back. I have never ever been late on any of my mortgages or credit cards. I was excited about Ditech. However, I see I'm overpaying. I have XXXX children at home and a XXXX in the hospital XXXX XXXX XXXX XXXX. This company hasn't even tried to help us lower our mortgage payment. Now they reported we are 30 days late. I strongly believe they reported this late payment to prevent us from refinancing with a new company. My mother and I have never ever missed one payment with any company. My mother had a credit score of XXXX and now it's XXXX. This is such a horrible experience. Even though my money order hasn't been returned. We still paid XXXX mortgage for the second time XX/XX/XXXX. We scheduled another payment for XXXX in hope the money order would return in time. This negative credit report in inaccurate. Also, the company sent us foreclosure documents already instead of asking us what happened. This is very traumatic. Why would we receive foreclosure assistance? Lastly, my kids told me someone from Ditech left a note on the door to call them. This is very invasive. I am very nervous about the mortgage company coming to my home.
Within the years of XX/XX/XXXX and XX/XX/XXXX, I submitted a request to be placed in forbearance and or deferment because of my XXXX STUDENT STATUS. 

The request was received and therefore approved because of the acceptable documentation.
I pay my Wells Fargo mortgage online. My bank account information is stored in their computer. I made the XXXX 2016 payment as I had always done. When I went to make my XXXX payment there was a red notice that I had not made my XXXX payment. I checked my bank statement and it had not been deducted. I checked my payment calendar and I had marked it as paid. Further investigation on the Wells Fargo site showed that I had made the payment on the XXXX, but it had been rejected on the XXXX. 

I paid the XXXX and XXXX payment online using the same drop down stored account and it went through. I wrote to Wells Fargo. Their investigation found that I had made a payment from an account ending with XXXX and not with the account ending in XXXX, the account they have on record and the one I use to make my payment. 

The XXXX seemed familiar, but I could n't find it anywhere. I finally realized the last XXXX digits of the account I use to pay the mortgage with is XXXX. Somehow their computer truncated the last number of the account and it was refused by my bank. 

As a consequence, I was assessed a late fee and the " late payment '' was reported to the credit agencies which knocked my XXXX score by XXXX points. Wells Fargo did n't have the courtesy to notify me that the payment had been refused. 

Although I realized the origin of the XXXX after receiving their letter, I was struck by their unwillingness to make some adjustment. I had attempted to make the payment, as can be seen by their records. In an earlier letter to me, too late to avoid reporting to the credit agency, they advised me as to what I could do to prevent foreclosure. I was outraged that they would n't contact me first to find why the payment was n't made. I overlooked a payment a couple times in the past, but was never more than a few days late. This was the first time in 16 years this had happened. I feel this was callous disregard for me as a customer.
I have contacted CONNS over 10 times for this matter and spoke with XXXX ( Employee # XXXX ) and have even spoke with XXXX ( Employee # XXXX ) on XX/XX/2018 and XXXX XXXX on XX/XX/2018 at the corporate office that said they would take care of this account # XXXX before.I want to speak to someone within the next 48 hours because this is too XXXX after knowing that I have paid for this account in full. This has stopped me from getting my very first new home with my XXXX child. I have given my now landlord notice to vacate to move out. We will be homeless in less then 15 days. How does it feel to get an approval as a single mother trying to make my XXXX daughter happy and to give her her own room to being denied because of an account that has already been taking care of. Not only that it is paid but it is now showing on your credit report multiple times inaccurately.
Transunion is reporting my XXXX XXXX XXXX Account ( XXXX ) 30 days late for cars purchased in XXXX ( XXXX XXXX ) and in XXXX ( XXXX XXXX ). 
In XXXX, the XXXX XXXX was paid in full by the credit union and the payment was not late. 
In XXXX, the XXXX XXXX was paid within 30 days.
I have reviewed my XXXX report and have found accounts with US Bank that have account abuse on them, I have never had a checking account with US Bank. 

These marks on my report have ABSOLUTELY NO MERIT. 
I have filed a theft report with the Federal Trade Commission ( FTC ), and XXXX XXXX County Sheriffs Office. 

I will be filing a report with the Office of the Attorney General of California - XXXX XXXX documenting the fraud and the actions I have taken to have these removed.
I took out a title loan years ago for a vehicle that now has a bad engine. I told them that I could no longer afford to pay for something I 'm not in possession of. They requested a voluntary repo report or a payment. I informed them that as soon as the lien holder provides me with the documents, I would forward them to them. I asked them to stop calling & leaving voicemails multiple times. They have continuously called asking for a payment. After I told the office manager that they were harassing me & that I was going to file a complaint, he said " the store is closing anyway so do what you got ta do. '' I 'm now doing what I have to because this is ridiculous.
I have a couple of derogatory marks on my credit that should not be there. My father and I have the same name. His bills from the Oklahoma XXXX Hospital were put into collections in my name and then sent to my credit report. There are a total of three of these marks, with XXXX XXXX stating that they have been on there since XX/XX/2013. They are all from American Collections, the totals for them are {$24.00}, {$50.00}, and {$87.00}. I have called the XXXX Hospital and they are trying to send the bills to the correct person, but I still need them taken off my report.
i paid a company with my american express card that turned out to be a scam.i reached out to my credit card company for help and was told they could not help me.supposedly i was out of a time period to dispute.i just dont understand why they would do that.a company as big as american express should be able to do something.the company name was XXXX.
This is in response to Case number : XXXX. See bottom for original response. 

First, let 's talk credit reporting in general. You are not obligated to report to the bureaus. You are only obligated to report correctly, if you choose to report at all. You most certainly have the legal ability to DELETE the negative reporting. I did not ask you to report it as CURRENT. I asked you to DELETE it. 
Second, I asked you to delete it because it was caused by unfair confusion created by your company/products/website and terrible customer service ( no branched, impossible call center, etc. ). 
Third, the sole purpose of reporting to the bureaus is to record a debtors commitment and capacity to repay their debts. This single event does not accurately reflect my commitment and ability to repay my debts. Let 's be honest, this is n't even a real debt. This is some horrible overdraft " projection '' on MY checking/savings accounts. This is n't a mortgage ( mine 's current ). This is n't a car payment ( mine 's current ). This is n't a credit card ( mine 's current and with you ... most likely not for long. ). This is n't any other form of consumer loan. 
I appreciate you sending me a copy of an electronic statement. Please review the full history of my relationship with your organization. Any other flaws? Any late payments? Of course not. This was an isolated mistake on a horrible product you tied to my bank account. Seems like someone would have called me, emailed me, knocked on my door ... anything. 
Again, I 'm requesting this single isolated transaction to be DELETED. Not misreported as Current. This is simple. 


Citibank N.A . said : Explanation of closure I understand that you recently requested that the derogatory information reported by Citibank to its subscribing credit reporting agencies for your ( now ) closed Checking Plus account number ending in XXXX, be removed from your credit report. Your prior attempts to have this particular account updated by Citibank have been declined. 
XXXX XXXX, it is the responsibility of the Bank to report that which is true and accurate to the credit reporting agencies. Please be assured that Citibank has researched this matter thoroughly and could find no errors in the manner in which your payments were applied to your Checking Plus account. I have also included your monthly statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Our records confirmed that you made a payment on XXXX XXXX, 2015 in the amount of {$430.00}, which was not the full amount billed of {$470.00} as stated in your XX/XX/XXXX statement. No payments were received XX/XX/XXXX and XX/XX/XXXX, which resulted in a late charge being assessed to your account in the amount of {$11.00} on XXXX XXXX, 2015. Final payment of the overdue amount of {$48.00} was received on XXXX XXXX, 2015 and your Checking Plus account was closed. It is for this reason that Citibank is not able to remove the past due reporting on the credit report. 
I realize that this is not the outcome for which you were hoping, however, it is one with which we can not change our position. Thank you for allowing us the opportunity to respond to your concerns.
I have disputed the late payments on thisXXXX XXXX   XXXX account and XXXX XXXX XXXX for months.The credit bureaus refused to reverse them. 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. CFPB please step up and fix this ASAP please Im looking to purchase a car for XXXX
I am deeply upset that XXXX  continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/XXXX dispute results, for the second time same issue. BK # XXXX from was removed from my XXXX  credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by XXXX. Due to this inaccuracy being reported my family and I are being affected. I am on XXXX XXXX from the XXXX of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

XXXX continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXXXXXX XXXX XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.
PayPal issued refund to XXXX which I didnt authorize. As a result I was robbed of {$520.00}