WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX bought charged off debt that I paid a credit repair company to remove from my report and even after I offer to pay the balance in full they will not remove from my credit report. It's less than {$1000.00} and all they will say is that it's not their obligation and I should have paid the original creditor when I had the chance and that they won't do anything to help me get it removed even though I've already paid to have this account removed. They talk in circles and choose which information they want to give you because each collector is just trying to get away with bad violations to fdcpa. They always say their managers are gone for weeks at a time and some won't even give their manager name. This company is the only collection company I've struggled with. I'm to the point where I would rather just not pay it so that XXXX and XXXX dont get the satisfaction after the way they treated me. I left several messages for a manager XXXX XXXX and he never returned my call. They are awful. I just want them to sell this account so I can work with someone reasonable.
Both companies, TransUnion and XXXX, are now trying their best to hide the fact you can get a one-time security freeze. Freezing your account now requires a paid premium monthly membership to freeze your credit report.This is not true, but I was specifically told by a TransUnion that this was the case. Going to their website, you are now unable to find out where and/or how to freeze your security without the premium monthly membership. I feel this is nothing more than an attempt to increase sales after the major XXXX breach, taking advantage of people like me who had their credit compromised due to the breach. Both company 's phone systems are obfuscating a one-time credit freeze as well.
The original creditor was XXXX XXXX. I owed was about $ XXXX as of XX/XX/XXXX. The last payment date on this was XX/XX/XXXX. 

I lost my job due to a work related XXXX and then lost the income from that as well. I am not sure how XXXX XXXX XXXX is involve, but I received no notification that they were filing a judgement against me. XXXX XXXX XXXX filed the judgement against me on XX/XX/XXXX in XXXX County Dist Court, Docket # XXXX in the amount of {$12000.00}. I did n't even know there was a judgement until I tried to refinance my home in XXXX of XXXX. At that time, the loan officer informed me that it was on my credit report. We did research and found that XXXX XXXX XXXX XXXX   has the file and the total amount they are charging me now is {$19000.00} as of XX/XX/XXXX. I have attempted to correct this with them, however, they continue to tell me that I need to speak to one person and that person is never available and will not return my calls. I have the information that they requested and I do n't know what they have done with it. 

They sent me a statement dated XX/XX/XXXX, told me in that letter that they are representing the XXXX XXXX XXXX, that my account number is XXXX ( they did n't even give me my entire account number ) and their file number is XXXX and told me that the amount owed is {$19000.00}. 

I have attempted on several occasions to correct this issue and have received no help in return. Instead, they continue to charge me 8 % interest per day and a $ XXXX/mth late fee.
Bought a car at XXXX XXXX XXXX XXXX  used car dealership and gave them {$4000.00} down payment and signed the contract and everything and a few weeks later they tell me that the bank denied the loan and that they needed the car which they have possession of now and won't refund me my money.
SYNBC/JCP Opened in XXXX, sold to another company XXXX. 

I have disputed this directly with SYNBC/JCP as it is beyond the legal time frame and also they have never provided me proof that the debt was actually even mine. According to section 609 of  the FCRA and backed by the the credit bureaus are required to send copy 's of the original documents, which I've never received. The information they are reporting is outdated and can not and has not been verified. 
I have since been in process of buying a home and thought easiest was to get it removed was to just pay it off. I paid it to XXXX XX/XX/XXXX and got it deleted directly with XXXX  XX/XX/XXXX, but I am still having an issue getting the original creditor to delete it from all 3 CBR. I am not reaching out to CFPB for any help possible in this matter. PLEASE HELP ME.
I am an Amex Platinum card holder since XXXX. Sometime earlier this month I was informed about a new Delta Skymiles Amex gold card promotion which waived 1st year fee and XXXX Delta miles after charging {$1000.00} in 3months. The promotion was relayed to me when I asked to exchange the airline incidental fee reimbursement from Delta to a different carrier I was convinced to apply ( XXXX XXXX, XXXX ) for new card and was approved for a new card on application submission. I received the new card a few days later. 
I started to make qualifying charges of several hundred dollars. 
This morning I called Amex when I noticed the new card had a different Skymiles number than my current Delta number. When I called Amex to combine my 2 Skymiles accounts and I asked for update of my total points and when the promotional points would be available to purchase a new airline ticket.. 
It was at this point ( XX/XX/XXXX ) I was told that I am not eligible for promotion because I had closed the Delta card a few years ago. Amex could not/would not provide me any details of the previous account that disqualified me for current promotion. If I knew or had seen terms I certainly would not have applied for the new Skymile card and would not have to combine 2 accounts and would have accumulated bonus points on my Amex Platinum card. This appears to be a variant of a classic bait and switch of the promotion,
I had a credit card issued by Macy '' XXXX department store and American Express, which I have not used for a year or so. On XXXX XXXX, 2015. I received a statement about a foreign charge in XXXX with foreign charges total {$570.00}. I called the XXXX no. on the card to dispute the charge, after a long wait, I was referred to an XXXX no. which has a recording asking me to send a letter of dispute, which I did by regular mail and later by certified mail. So far I have not received any response from them, I tried to call them again, and this time after long waits I did not get to speak to any real person. Each time I spent a total of 1-2 hours waiting to speak to someone. I think they should send me a letter or call me in response to my letter, and they should have let me speak to someone responsible.
I currently have a Capital One Platinum Card which has a {$59.00} annual fee. I rarely use this card and would have liked to downgrade to a basic card ( e.g. XXXX or XXXX ) which does not have an annual fee. I did not want to close the account to adversely impact my credit. However, Capital One said that I was unable to switch to a no-fee credit card product. So I had no choice to cancel the Capital One Platinum Card to avoid paying the {$59.00} fee. [ NOTE : I was involuntarily upgraded to this fee-based product a few years ago, I kept it because I did n't want to hurt my credit, however I can no longer justify a {$59.00} fee for a product a rarely use ).
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # XXXX.
Company has called my job, house and cell leaving message that im a person of intrested. Leaves other messages threatened lawsuits. They have refuse to vertify debt over phone or in writing. I can not keep getting these hsrrasing calls at work or my home.
Yesterday I called Banco Popular to ask about the increase in the credit card interest rate. They notified that the rate was increased because the prime rate increased. The bank never send me a notification to let me know about the interest rate increase in order to pay off the balance and avoid paying a higher interest rate. I am claiming a refund for the interest overcharged becaused I was never notified about the interest rate increase. The total cost is {$250.00}. of interest.
Rushmore Loan Management Services, LLC XXXX, CA XXXX My aunt and uncle ( deceased ) had a reverse mortgage that was serviced by a company called XXXX. My uncle died in XXXX. His wife could not afford to maintain their home nor afford to pay insurance and taxes on the home. In XX/XX/XXXX, she sent by certified mail return receipt requested, a letter to XXXX with a copy of the death certificate stating her situation and requesting that HUD take back the home. In XX/XX/XXXX, she had not heard anything from XXXX and called them. They told her that they had received the death certificate but did not have any record of the letter turning the home over to HUD. She again sent a copy of the first letter to XXXX by certified mail return receipt requested. At that point she washed her hands of the situation. She cancelled the utilities and quit paying for insurance and taxes. The home has now been vacant for over two years. On Friday, XX/XX/XXXX, she receives a certified letter from an attorney 's office hired by your company stating that they intent to accelerate the note if she does not pay {$110000.00} plus other fees. After getting the attorney 's office a letter of authorization to talk to them from my aunt, I was told that the file had been closed. 
My aunt is elderly. She does not need this kind of XXXX. She did what was required two years ago. 
My question to you is " What the XXXX is Going On? ''
MIP was increased a second time without any notice. I realized online while trying to pay XX/XX/XXXXt due mortgage premium. I would like to protest the MIP increase until I have a detailed notice with increase calculation and the option to verify my tax and insurance payments. In the past, I have been able to lower my insurance premium and still meet the mortgagor 's guidelines for coverage. 

Also, the last time my MIP was increased it was in the thousands of dollars due to Country Place Mortgages ' error, and I had to contact HUD to advocate might rights. Country Place Mortgage has not taken any action to remedy the errors and hardship they cause consumers. Country Place mortgage improperly reported me negative on my credit and I had to involve HUD yet again to get them to remove the negative rating. This company continues to cause me undue stress and I would ultimately like to have my mortgage moved to a lender that actually provides customer service and has a vested interest in their customers. 

XXXX XXXX
ftc violation and frc hacking issues told the bank about it they still have not refunded my money sent all required documents
I have been fighting for some time since my identity was stolen and now being apart of the XXXX Data breach of information, i still continue to have to have fight to clean up bogus and inaccurate information. Although the FCRA says that they can not report this information I can not get any help concerning these accounts. I have 2 XXXX, XXXX which I keep telling the credit reporting companies that are not mine and not accurate and the information can not be report on the credit report if it is not correct or if it is not mine. XXXX finally fixed my problem today after properly researching yet Transunion and XXXX refuse.
Wells Fargo has continuously lost documents including my quit claim sent to them a number of times, delaying and causing me to have a decision on a modification postponed numerous times over the past few years. 
Modification trial payments were made and all documents were sent in again and again and again upon request from Wells Fargo because they continued to lose documents. Wells Fargo send me final documents with wrong information on the documents and did not follow guidelines per the quit claim. Wells Fargo assured me they would resend corrected document. I never received corrected documents. Wells Fargo has escalated to foreclosure on my mortgage. I have received a new letter stating they are willing to work on another modification at the same time they are working on foreclosure.
Equifax is reporting a collection account ( XXXX ) from XXXX XXXX XXXX on my credit file that do not belong to me. After reaching out to this collection agency they have failed to verify this account. XXXX XXXX XXXX subsequently has agreed to remove all information regarding this account from my credit file.
Regarding the Wells Fargo settlement, i was forced to obtain : 1- a checking account and 2- a home equity line of credit which was ultimately restricted ( i am not able to use the available funds based on my original credit line ) Please advise how much of the settlement i am entitled to thank you XXXX XXXX
XXXX XXXX XXXX  cut avabile credit XXXX, after I paid card off and used it for a month on XXXX  limit was XXXX now XXXX I put XXXX through it today I get email notice that I'm {$60.00}. over the limit just made a XXXX payment on Monday, called them she said check credit report on XXXX XXXX it shows XXXX  and has been going up they show XXXX   and has for the pas few months, it seam that this is just an attempt to keep the debt ratio high, XXXX has done the same as the balance gets paid off the limit is lowered to maintain the same high debt ratio, this needs to be investigated, im sure ill get charged for a over the limit fee even though the lowered it with no notice XXXX   at least sent a notice.

if this would have happened before I completely paid the card off I would not think any thing of it funny I have a limit of XXXX now they shoe a balance of XXXX and say im over the limit paid another XXXX today, also what's with taking 5 to 7 days so show cred it out of my account the same day just XXXX
I sold three sewing machines on XXXX. These machines were personal items. I loaned money from my business to family members in anticipation of these funds. PayPal has for no reason taken my money i.e. {$7000.00} and told me they are closing my account and keeping this money for six months. The buyers are happy and Im happy with the transaction. PayPal has no reason whatsoever to do this. Two machines sold on XX/XX/XXXX and one on XX/XX/XXXX. Totaling {$7000.00} I shipped the items immediately. Provided tracking info. Provided PayPal with additional info. I have never had chargebacks, never a customer complaint, and only use PayPal and XXXX  once in a while. I was planning to start doing more business but could lose my business and my home over this. {$7000.00} is a lot of money my family and I were counting on as soon as PayPal said money was there. I have emailed, called and called and called PayPal and all employees act as if this is just ok and Ill get an email in six months about how to get my money. If there was a reason for this I would have no problem but nobody has done anything wrong except PayPal trying to take this money for six months. Fine if thats how it is but Ill be asking for interest, penalties, my time @ {$75.00} hour for this whole debacle, attorney fees and potential growth of {$7000.00} dollars at my business that PayPal has cost me after six months. I just want whats legitimately mine and my familys. A computer algorithm at PayPal has caused this problem and nobody there is willing to fix it without someone going to these extremes. Hopefully this complaint and this agency can help.
Attending a Military school in XXXX can be costly, and at the time private loans were my only option into the school back in XX/XX/XXXX. I signed up with XXXX with a co-signer in XX/XX/XXXX when my financial aid could no longer aid me in returning back to school for the XX/XX/XXXX Fall semester. XXXX gladly help and thus i was able to resume my studies. By XX/XX/XXXX, I had to leave school due to being unable to join any arm forces due to a XXXX. I returned back home to XXXX and enrolled in a local school. By now, all my loans were being deferred since I was in school, only paying the bare min of the interest a month. I took a semester off in XX/XX/XXXX and planned to return in XX/XX/XXXX. After a 6 month period, XXXX hit me with my first repayment bill in XX/XX/XXXX. Only making min wage, I was unable to make the payments. No offer was made to me nor was I asked to fill out any form so that the monthly payments can be adjusted to my min. wage income. I had to ask for it and even then it was going no where. I was offered a 3 month period of total deferment. With interest climbing ever so high, all unaware to me. I was unable to take any more loans during that period and so returning to school was out of the question. I can honestly say, it has been a rough one year since XX/XX/XXXX with the over the top monthly charges. I was fortunate enough to get family support but it had to come at a price of struggling. XXXX, now Navient, never sought to accommodate to a adjustable monthly payment that would match my income at the time. I had just recently graduated college with a degree and on to further studies, manged to land a job at the hospital with a promising future. My biggest worry is XXXX unwillingness to accommodate to my income and therefore prevent me from moving on with my adult life. I have read many stories regarding XXXX loan borrowers and their struggles in repayment. I tried researching any legitimate repayment programs that can help but unfortunately private loans are not as easily helped as with federal. Thank you for your time.
I contacted Chase Health Advance Credit Card and was told by Chase Representative, XXXX # XXXX that chase is not longer offering Chase Health Advance Credit Card. I advised XXXX a verification of account required by the FCLRA Section 608. XXXX informed me that she would be unable to provide me with the contact I signed to open this account. I requested her for Chase to please send me a letter stating for this negative account to be removed from my credit report ( As per the guidance of XXXX, XXXX, & XXXX ). She replied that Chase will not provide such letter. The end result will be Chase knowingly and willingly not complying with the FCRA and purposely damaging my credit worthiness and credit score.
Experian claims that I did n't respond to their previous mailing of my report for a dispute however a certified letter was mailed giving them my correct addresses and the correct spelling of my name. I then asked them for a fax number through my last cfpd complaint in which they did not respond so I found the fax number myself and sent that on XXXX XXXX, 2017 and I have my confirmation. To date any other addresses and incorrect names on my report remain and they are to be removed immediately.
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this discover account ending in XXXX. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
sent the police report and cra violation of inaccurate information XXXX XXXX XXXX XXXX XXXX experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
There was an investigation conducted by CFPB in early XX/XX/XXXX on my student loans at which time Experian updated my accounts with a status of accounts renewed or refinanced, but today when I checked my accounts were reflected as failure to pay with the following payment status : Paid, was a collection account, insurance claim or government claim or was terminated for default. This is untrue. The accounts were never in collections ... actually consolidated and I've been making payments on them since XX/XX/XXXX. I have attached documentation from both Experian and the Servicing Company which is currently handling my Federal Student Loans. I'm working steadfast on correcting my credit and this recent ding is causing havoc on my credit report. Please assist in getting this corrected.
Please remove all disputed items. 
Americas Servicing Co XXXX XXXX XXXX Also I have requested removal of the extended fraud alert 3 times. It still is on my report
I have a Macy 's Store Card and all of a sudden in XXXX of 2015, unbeknownst and unapproved by me, they started charging me {$0.00}, {$0.00}, {$1.00} every month and then charging me minimum finance charge and late fees when I did n't see it getting paid. 

The information for the company billing me was XXXX XXXX
On XX/XX/2019 I received an email notice that a transfer into my Wells Fargo Business Checking Account had failed because the account was closed. I called Wells Fargo the next day to find that the account was closed for inactivity. However, the account had been active and I had been primarily accessing the account through ACH transactions ( payments from customers as well as payments to credit cards used in my XXXX   business ). I was informed that the account could not be reopened once closed, despite the acknowledgement that the account was clearly active and appeared to be closed in error.
I was never given the credit for payment made on my student loan account in the amount of XXXX
My property is currently in foreclosure. I am trying to get the mortgage modified and have submitted the required documentation on multiple occasions ; but the bank keep denying the application because I failed to submit the required documentation. I have submitted everything the bank asked for each time and on the last XXXX applications I submitted additional information ; for instance, they asked for two months of bank statements so I sent XXXX, etc. There is s breakdown in communication between myself and the bank because they are not permitted to speak directly to me ; I have to go through their lawyers via our lawyer. Our lawyer has asked on several occasions for them to allow their client ( the bank ) to deal directly with me to clarify documentation requests and avoid the modification being denied again but they are not cooperating at all and the bank remains in the distance. I am on the verge of getting my application denied again simply because it takes too long to get information down the very long chain of lawyers to be able to act within the time constraints of the banks requests.
In XX/XX/XXXX I issued a dispute with Experian concerning my XXXX XXXX XXXX  account reporting inaccurately. The XXXX XXXX XXXX  account was charged off in XX/XX/XXXX and sold to XXXX. However, XXXX XXXX XXXX  was reporting the CR as if there were late payments. I also asked the account to be updated to a paid charge off as I had paid the XXXX account as requested. On XX/XX/XXXX, I disputed the account once again to remove the late payment activity and on XX/XX/XXXX Experian updated my account indicating yet another failure to pay account activity for XX/XX/XXXX and that in fact lowered my score that day 14 points. I have since disputed the times again over three times with both companies to have the issue resolved. XXXX XXXX XXXX  should not be reporting any recent activity as they were paid in XX/XX/XXXX when they sold the account. Each company keeps telling me to dispute with the other and the results continue to be the same with no correction. I was told that the decrease in points was due to my dispute and the update to my account. Experian is reporting the balance was updated to {$0.00} on both months but that is not a change as the balance reflected that in XX/XX/XXXX when XXXX took the account.
I have Disputed several accounts that appear on my report, but have not heard anything yet. I also need to dispute some of my personal information that appears on my credit report. My Current address, and Employment are not correct. I am not employed but on Social Security XXXX as monthly income. I would like that included on my credit report to reflect that I do have a monthly income.