WillisBack/dataset-financial-user-claim huggingface dataset:
Ref : Synchrony Bank LOWES In XXXX of I received a statement with a BALANCE of {$56.00} which was paid off completely through my bank account on XXXX XXXX, 2017. After paying the debt off through my Bill Pay provider I did not receive any further statements from the company until a couple months ago when they claimed I owed an additional balance of {$53.00} which later was assessed one late fee of {$29.00} and another of {$38.00}. After speaking to them today they did apologize for the error and refunded the fees however after asking them to correct the credit reporting they suggested to file a dispute with their customer service department. The obligation of a creditor is to service a debtor in a manner which correctly and accurately reflects pay history including correcting their errors. My first complaint is that after the payoff was sent and received by Synchrony there  were no additional statements sent to me in reference to a balance but then continued to accrue late fees which is an abusive practice for an amount which was paid in full with proof on my bank statement and per the representatives conversation that they apologize about the inconvenience. Actions such as this are abusive to consumers in many ways due to blindly charging fees, stopping statements, then not acting to correct any erroneous credit reporting. 

Thanks, XXXX XXXX XXXX
I do not have any open accounts with this creditor. I did, but settled and paid it off many years ago. I am upset and confused as to why this is appearing on my account all of a sudden.
In anticipation of my loans entering repayment after an in-school deferment, I e-mailed a NJClass representative to ask about my bill due date an the amount. I was given incorrect information, and as a result my account is currently delinquent. The e-mail history is attached here.
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place.
I received a loan from bigpicturepayloans, that was listed as a installment loan, borrow XXXX payback XXXX, I was not advise of the interest rates or that they would be charging my account XXXX dollars a month. interest rates of 900 percent, this was not advise to me. I did not see this when I signed the agreement. Please help. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ga XXXX
Saturday morning calls ... coming from your XXXX office ... XXXX ... Sounds a bit like harassment would n't you say??? I spoke to XXXX & explained my situation. I am sitting at XXXX Hospital with my Mother. We 've been here since XXXX. I asked a couple of weeks ago for XXXX to have XXXX ( especially ) & anyone else from there to stop calling me over & over while I sit here with my XXXX Mother. I am not working right now & I do not care about anything but her!!!!!!!!!!!!!!! The harassment needs to stop it is CRUEL!!!!!!!!!!!
I have attempted several times with transunion and XXXX XXXX XXXX.XXXX XXXX XXXX, XXXX, ok XXXX. 
act # XXXX- {$1100.00} act # XXXX- {$240.00} i have asked for signed contracts with my signature with this collection agency proving i had a contract with them. Ive requested transunion to show me proof of this info they say they verified. 
I would like both of the above accounts removed from my credit report. 
MY DISPUTER REASON ; NO CONTRACT CONTRACT CANCELLED
On XX/XX/2018 I received a letter from XXXX XXXX regarding my recent application for a XXXX XXXX Home Equity Loan. In the letter is references my Equifax score dated XX/XX/2018. I never spoke to anyone at XXXX XXXX  authorizing them to run a credit score or to refinance my current mortgage with them. They had called my cell phone numerous times prior to the credit pull, but I never returned their call or spoke to anyone. It is illegal for them to pull a credit report without my authorization and now my credit was dinged for an unauthorized pull.
This is a pre-paid Travelex Mastercard which was issued as a travel card to provide XXXX while I was traveling. 

Card Number : XXXX There is an outstanding pre-paid balance on the card of {$400.00}, but when I asked the bank to close the account, and refund the balance, I was told by a representative of the bank that they no longer honor these cards. The expiration date on the card is XX/XX/XXXX. 

Two months ago, I spent about an hour on the phone with a representative of the bank ( " XXXX '' - employee number XXXX ) at the ( XXXX ) number XXXX. Initially she told me that she could talk to the bank, but that she was sure they would not refund the balance. After much discussion she who told me that a " XXXX '' would generate an email to me concerning the refund. 

I have had no contact from the bank since that call. I am asking that you contact the bank and determine why they are not honoring this card, or the outstanding balance owed to me.
On XX/XX/18 I called NetSpend activation line provided on a newly purchased ( $ XXXXusd ) prepaid card. I was informed that I needed to verify my identity and proof of address by emailing a pics of a state issued ID card, social security card, and proof of my physical address of which they sent a list of approved items that they would accept. The first time I responded with pics they accepted all but proof of address saying that the letter was still in its original windowed enveloped and wasn't acceptable that way and that thy need to see the full with all four corners to verify its authenticity. So I did. The excuses I have received since then are as follows. 
1. address was out of focus.

2. item wasn't on the approved list ( even though it was ).

3. reference number wasn't correct.

4. faxed approved item wasn't original but a reproduction.

5. faxed item was out of focus. 
To date I have emailed 3 different approved each one at least twice an have faxed to different items both twice and they themselves have mailed me a personalized credit card to my physical addressed which I have tried to activate yet still they refuse to activate so I can access the {$30.00} I put on the card over a month ago.
I sent certified funds via certified mail to Synchrony Bank/Sam 's Club to pay off this account in XXXX, 2015. It was signed for on XXXX XXXX, 2015 and can be verified at usps.gov. I have the tracking number. I have copies of the returned certified mail receipt that was signed by their representative. They lost the check and have added another months interest as well as a late charge. I have contacted them four times and get a run-around and an attitude that I 'm a deadbeat or am simply ignored. They are n't even offering the courtesy of a phone call, email or any form of update as to what, if anything, they are trying to do to remedy my issue.
On XXXX XXXX, XXXX, I took my XXXX XXXX XXXX Coupe ( XXXX ) to XXXX in XXXX, Texas to see what they would offer me to purchase the car. At the time I was interested in a new XXXX XXXX, which had substantial incentive programs going for a limited time, savings in excess of {$6000.00}. So, my options were to sell the XXXX XXXX to XXXX or to trade it at a dealership for the new one, if the dealer offered me the same or more, because there would be a sales tax benefit in the trade as well. Much to my surprise, XXXX said that they could not offer me anything for the vehicle, because their XXXX XXXX History report ( like XXXX ) indicated a possible odometer rollback, which is against the law. The XXXX report indicated the car had XXXX miles on XXXX/XXXX/XXXX, whereas it showed XXXX miles on XXXX/XXXX/XXXX. So, I immediately called my XXXX agent, XXXX XXXX, whose agency back in XXXX had talked me into transferring my XXXX XXXX XXXX car loans to State Farm Bank. After hours of going back and forth on the phone with XXXX as well as people at SFB that he connected me with, I was told that it would take 6-7 weeks to get the title corrected, and that the best they could do that day was to give me a signed and notarized affidavit, stating the correct mileage as of that day. My hands were tied ; the XXXX report showed XXXX miles on XXXX/XXXX/XXXX, one month after transferring the loan to SFB. Just 8 months earlier, the report showed the vehicle to have XXXX miles. I took the affidavit back to XXXX, and they said that they could n't help me ; the title needed to be corrected. When you look at the " Application For Texas Certificate Of Title '' document, which I had signed on XXXX/XXXX/XXXX, the mileage is written in with a different handwriting than mine. When I signed the documents for both cars, I was asked to give the mileages over the phone. My thought is that whomever I gave them to mixed them up. My other vehicle was a XXXX XXXX XXXX, which had far more miles on it. But, because SFB had conveniently lost the " Application For Texas Certificate Of Title '' on the XXXX, there is no way to prove this. Of course SFB has asked me in the last two months to sign, write mileage in, and send them that document for the XXXX XXXX. 
So, on XXXX XXXX, XXXX, seven days after I had left XXXX, I traded the XXXX XXXX XXXX for the XXXX XXXX, because many of the purchase incentives were due to expire by the XXXX. The dealership said they could only offer me {$7700.00}, even though the trade in amount for a " low mileage vehicle '' in outstanding condition ranged from $ XXXX {$10000.00}. They said that the affidavit could n't be substituted for the corrected title, especially in light of the fact that they would want to resell it right away with a clear title, and that would n't happen for at least 5 more weeks. State Farm Bank not only refused to provide any restitution, but they had the audacity to say that I should be happy with the savings I got on my new vehicle, because of the incentives ( backhanded, cavalier remark ). So, the deep pockets make clerical mistakes, but they do n't have to pay for them!
My father died on  XXXX   XXXX ,  2016 . When I called to info rm Capital One B ank, they asked me a variety of questions, including my social security number. Unfortunately, I gave it to them. The next month a statement came with my name added to it. I have contacted them on several occasions to address the issue, but no one is willing to help me. I have asked that they send me individual monthly statements for the year    2016  so I can see exactly when they added my name. I believe it was in  XXXX ,  2016 . I have even asked for the contract my father signed to open the account. Now they are sending me out for collection. The amount they are seeking is {$810.00}.
For approximately 2 consecutive months, or, since XX/XX/XXXX, I, XXXX XXXX have telephoned Experian and XXXX   Credit Reporting Agencies regarding a Charged-Off Account from XXXX XXXX XXXX ( Credit Information Furnisher ) that contained inaccurate information, or two different amounts owed on this alleged debt. I also contacted XXXX XXXX XXXX   regarding this matter. The multiple Disputes have gone unaddressed in terms of Deleting this Negative and Inaccurate Information from my credit reports. Both credit reporting agencies have allowed XXXX XXXX XXXX  to report or to up-date negative and inaccurate information about this account when in fact XXXX XXXX XXXX claims to have Sold the Account and transferred all Documentation regarding this Account to XXXX XXXX/COLLECTIONS AGENCY AS OF XX/XX/XXXX.

Note : Please see the attached letters for more explanatory details regarding this gross Credit Reporting problem as the Negative reporting of inaccurate information is very hurtful and harmful to my Credit Score!
XXXX XXXX contacted me via mail saying I owed money and they were trying to collect. I asked them to stop contacting me and to send me verification of the debt. I was told that if I " disputed the debt '' by requesting that information they would not work with me in the future on settling the amount. Sometimes they would call and I would answer and no one would talk. The calls stopped until shortly after I received a letter. The calls resumed on XX/XX/XXXX. Sometimes I receive up to 5 calls a  day. Please see the following for the list of dates and times I have received calls in the month of XX/XX/XXXX alone : XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX When I have spoken with them about potentially resolving the debt they are very pushy, to the point where I couldn't speak without getting spoken over. I could not even attempt to make a plan to pay the debt if I wanted because they won't pause to give me a chance to talk. 

They have even contacted my step-dad and I never provided his information to them. I don't know if they have contacted anyone else as well.
Citi finacial..they call playing on the phone..they will say can you hear me now about XXXX or more times and laughand hang up.or they will hold the phone and when I try to talk they hang up laughing. Sunday are the worse days. I was called XXXX times in XXXX day last week.this is not a game to me. I recently had XXXX and trying to recover.
I have tried to contact the company regarding the complaint to no avail. I am disputing both the validity the time and the debt itself. The debtes not mine but a family members and 8 years ago
We purchased an apartment XXXX in an apartment complex named XXXX and received a loan from JP Morgan Chase Bank in XXXX. We have been paying the mortgage through the up and down of the market, including the financial crash in XXXX without even being late on any payment. After the crash, I contacted the bank and tried to see if there is a way we could refinance then, but was told that I have stop my payment before the bank would even talk to me, which would result in ruining my credit. I refused to do so. 

In XXXX I tried to refinance the mortgage through XXXX, a mortgage broker. After submitting monthly statements of my personal and business account for over a year, I gave up as it was n't going anywhere. I contacted Chase Bank directly in XXXX and submitted all the required documentation. They checked my credit XXXX and sent me a copy of their report indicating that my credit score is XXXX. However, after 3 months of checking everything, I was told that my application was rejected due to the XXXX credit report. I do n't know since when credit report of XXXX is ground for rejecting refinancing a loan that the same bank also has a10 years of payment history. 

On XXXX our payment will be 3 times as much and PJ Morgan knowing that we would do anything to keep our credit clean, they want to charge us 3 times as much on the loan that they have a 10 years history of payment rather than refinancing the loan for us. 

To us this is an unfair practice and would like to know what are our rights in this process and what it is that your office can do.
Purchased a product from XXXX for approximately {$360.00} it did n't work and I returned it. The bill from American Express kept demanding payment for something I returned to the store. I do not owe this money and have never used the American Express subsequent to this purchase, ever.
I am in the Loan forgiveness program and the system is saying I have 7 more payments to qualify for the forgiveness. When in reality I have paid 7 more payments then necessary. Every representative that looks at my case states the same thing " I should be beyond the requirement. '' From first contact persons to supervisors. The supervisors have submitted for expedite my case for review ... but this has not happened. I started communications in XX/XX/XXXX and still being advised that once some one will look at my case it still can take up to 13 months. Also I was advised to submit for Temporary Expanded Public Service Loan Forgiveness ( TEPSLE ) Since I qualify for that since my loan forgiveness application was denied. So I did that, but again they tell me I will just be put me on a waiting list to be reviewed for that program, but may be faster. 
In closing I have in good faith did exactly what the program said to do and now feel like no one can help me even though the people I have talked to tried. It sounds like there are others in the same situation that I am. Hope you can help.
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! 
My current and only address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, North Carolina XXXX. My name is being confused with another XXXX XXXX XXXX. My DOB is XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong. The following addresses are not my please delete they are not mine they are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have some account the I need absolute proof that they are my because of the previous confusion with another XXXX XXXX XXXX. 
The reason for my dispute is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623 , subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, the major of the account that appear have failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809. I am in need of a re-investigation to account for the confusion and possible fraud as well as unverified accounts. please send a copy of the Creditor Disclosure form I have attached along with any copies of a contract agreement with my signature.
I am asking for help with a financial hardship situation. I am a senior citizen, have no retirement savings, I am on medicare. I am on social security, and do self employment projects. ( more personal information sent as attachment ) I purchased the house in XXXX for {$180000.00} with XXXX mortgage and then in XXXX I refinanced with new century mortgage. There was a " bait and switch " scam in that the mortgage broker told me there would be " no points or closing costs " only to reveal at the last moment, {$16000.00} in closing costs. I had no choice but to roll that amount into the new loan of about XXXX. 

XXXX XXXX went bankrupt. XXXX XXXX XXXX have done a fraudulent sale of the servicing rights to GMAC. ( xxxxxxxxx, a foreclosure consultant at a non-profit said there was a fraudulent signature and documents at that point - also a " robo signature " on the document. See the government settlement with GMAC ) GMAC went bankrupt as well. 

I made payments to the various companies of about {$200000.00} in total since the home was purchased in XXXX. In XXXX the house went into foreclosure but that foreclosure did not happen. I have not made any payments to OCWEN since they " took over " the debt. There was a financial hardship in that I was diagnosed with XXXX in XXXX ( successfully treated ) and my employer wend bankrupt in XXXX. 

Apparently XXXX Bank was involved in a trust to bundle many " debts '' and their name was used to help OCWEN get the servicing rights to the debt. There is no clear chain of title. 

Ocwen has been paying insurance and property taxes. 

The house is in very bad shape. It has mold, bad plumbing, heat is a problem and there are structural problems. OCWEN 's property management company broke into the house on several occasions and damaged the door, windows, stole property, I believe, and moved the contents of each room to the center of the room. I called the police and notified them of the last break in. 

Apparently the value of the house is currently about XXXX. The land is worth XXXX and the house perhaps {$50.00} k. 

Because of the above I sent a " rescind letter '' to OCWEN. They did not respond in time but did respond saying they would not negotiate with me. 

I understand the debt could be rescinded but if not perhaps I could settle with OCWEN for the funds they spent so far, property taxes, insurance and the fee they paid for the servicing rights. I do not know what that total would be. 

Please let me know if the CFPB can help settle the situation. I need to sell the house, pay OCWEN for any out of pocket money and get some of my investment back from the sale of the property to help pay for new housing.
Verizon wireless pulled my credit without my authorization and equifax is not willing to remove the unauthorized inquiry, XXXX wo n't remove it either. I stopped at the verizon store on XXXX just to check their phones selection and what plans they offer and never authorized them to pull my credit. 
verizon Application # XXXXEquifax dispute # XXXXI want XXXX and equifax to remove the unauthorized inquiry to be removed from my credit report.
The regional Adjustment bureau continue stop calling me incessantly. The called 50 times in 10 minutes even after speaking to them. They are accussing me and my father of owing somethin we do n't owe. They are verbally abusing and harassing me, my family, and people in my office. They were extremely aggressive and extremely rude. 

XXXX
I got a loan through Big Picture Loan and was not given correct information about it. I am being charged 968 % interest on a {$350.00} loan. In total i am paying back {$1800.00}. And I have to pay {$120.00} every two weeks. I was never told that I would have to pay so much back or that I would have to make payments every two weeks. If I would have known this I would have never borrowed money from them. Is this legal? Is there any way I can get out of this?
Midland Funding LLC left court papers on my XXXX year old grandmother 's front door. My grandfather and father are both deceased. We share the same first and last names. The collection agency used unauthorized and incorrect information to file a complaint with the court in XXXX County - where I do not reside - over a debt over 6 years old. I have no recollection of this debt. I wrote all XXXX credit bureaus to have old debt removed 4 years ago. To my knowledge this account was removed. It appears to have been opened again in 2015 AFTER it was originally removed from my account. The collection agency will not stop leaving documents at my grandmother 's address - which is leaving her visibly shaken and upset - and calling repeatedly.
Omni does not provide any loan information as to current balance, interest rates, payment amount for my loan online, nor do they send mailed statements. I have called numerous times with no answer and have not received a call back. I am unsure of any of my loan specific information and do not have access to it.

Omni said when I opened up the loan, I was encouraged to setup an allotment. That is what they specifically stressed. They also said if I stopped the allotment at anytime, they would debit my bank account for the amount. I am trying to set up my payment via check or automatic bank transfer and fear they will debit my account more than once. I am trying to talk to someone at Omni to avoid this potential issue.