WillisBack/dataset-financial-user-claim huggingface dataset:
Macy 's allows its clients to enroll in autopay, and then stops honoring it without informing the client ( even when one 's account shows current autopay enrollment. ) They then charge late fees and report nonpayment to credit bureaus after 30 days. I have tried to have this corrected, but have received no response. This happened in XXXX as well, but this time it has affected my credit rating at a time when I am pursuing a home equity line of credit ( HELOC ). Each time it occurs, I have had fairly large balances in my checking account ( ~ {$3000.00} - XXXX ) so it is not because of lack of funds. ( They actually do n't claim that it is ; they just stop honoring autopay. ) In XXXX, I was told ( after inquiring ) that my autopay was canceled if I did not use my account every month. The information regarding autopay available at the time I enrolled did NOT disclose this, and I believe the practice was later changed. I was not notified and was then charged late fees if my payment, which I did not know had not been paid by autopay, was overdue. 

Interestingly, for a period of time, I received notices each month, stating that in accordance with my request, my bill was being paid by autopay. It was n't unusual, however, for my card to still be declined days after receiving this notice! A few sales people from different stores have told me they receive billing complaints " all the time. '' Last month I learned that Macy 's was once again failing to honor my autopay, and that they had reported me to the credit bureaus in XXXX XXXX for a 30 day-late payment. When I checked my account online, it indicated that I was currently enrolled, so I do n't understand why my bills were not paid. ( I attached a screen shot of my account page indicating " Autopay On. '' ) I went through the enrollment process again, even though under status, it stated that I was already enrolled. 

I have just learned that because of this, I either can not get a HELOC or will have to do so with a significantly higher interest rate. The credit agencies also cited the time in XXXX when Macy 's did the same thing. Because it was more remote, it did not have the same weight individually, but together, the XXXX have a significant effect. 

In XXXX, I asked Macy 's to remove the late payment notice that was submitted because of their error, and to send me a letter to provide to the credit agencies. Despite being told they would do this, they did not. 

I am normally pretty easygoing, but Macy 's practices are beyond upsetting. I am furious that my credit has been affected when, for the very first time, I need to take an equity loan because of family illnesses. I also am disgusted with their lack of response to consumer inquiries. 

I am hopeful the CFPB will be able to help. Thanks very much.
Receiving phone calls at work from NP Group XXXX. They will not give me information, just say I took a payday loan ( I did not ) that needs to be repaid by phone. Two calls so far. Other businesses in our area receiving the same call.
On XX/XX/XXXX, someone pretending to be me went into a XXXX store in Pennsylvania. They had an ID card with my name on it which XXXX used to identify their customer. XXXX then swapped my phone number to an XXXX  the thief in the store presented them.

Once this person had my phone number, and was receiving my text messages, they reset the password on my e-mail account, then used the access to my e-mail account, and one-time-text pin from CoinBase to access my virtual wallets.

Fortunately for me, my e-mail client was still receiving messages from Coinbase. I was able to click the " If you didn't request a password reset, click here '' button. Following that I was able to reach coinbase support person " XXXX '' on XXXX and she was able to lock my coinbase account.

Coinbase was able to restrcit my account before the thief was able to transfer funds. They requested that I open a new account with a secure e-mail address. I did this, uploaded proof of identification, etc ... and CoinBase responded that they would move my funds to this new account. This was again confirmed via chat with XXXX  on XX/XX/XXXX.

on XX/XX/XXXX I followed up with coinbase again. They advised me that my account was with their escalations team and it could take 45 days to be reviewed.

on XX/XX/XXXX I received a canned e-mail message from Coinbase asking me to go throught he same steps I had on XX/XX/XXXX when my account was initially compromised.

on XX/XX/XXXX I called again and was advised that there is nothing else I can do to escalate this. The phone operator " XXXX '' was unable to give me any further escalation points, contact information, or timeline on when I could expect information about the case.

on XX/XX/XXXX I followed up again with Coinbase via their online ticket submission portal.

It's now been 13 weeks since the account was attacked. Coinbase refuses to give me contact information for a person assigned to the case, they refuse to give me a timeline for resolution, they refuse to give me any expectations for when or how I will be contacted for resolving the issue. I have no other recourse to turn to resolve this via the company directly.
I had a citibank Credit Card ending in " XXXX '' In XXXX way back in XXXX which I hardly used, I migrated to United States in XXXX and there are lot of fraudulent transactions on that card which are not authorized by me. I just went to XXXX after 8 years and came to know that Citibank has made a huge bill on my credit Card and have ruined by credit ( Credit is known as XXXX in XXXX XXXX. I also filed a police complain over there regarding this and submitted it to the Citibank in XXXX but Citibank does n't want to take any action, they are not helping me out and this greedy company just want to take out money from me. 

I even spoke with the Supervisor of Citbank customer care " XXXX XXXX '' back in XXXX, but he is just giving excuses and doesnt want to help. 

I want Citibank to waive all the balance and also clear negative report on my Credit ( XXXX )
Ic systems is trying to collect a debt I do not owe for XXXX XXXX. This debt is not mine and I have never had XXXX XXXX. IC Systems did not send my any letters concerning this debt. I seen this debt on my credit report.
Equifax has not validated accurately that the account of XXXX is my account. I have reported it as a fraudulent account to the Police and police report has been provided to the credit agency of Equifax. Equifax has not validate information from XXXX to the information that they have on file. Providing name, birth-date, and social security is not sufficient evidence to validate the account is mine. This is why it was reported as fraudulent has someone used that information to open this account. Please have this removed from my credit report of Equifax.
KeyBank purchased my former mortgage holder, First Niagara Bank. On XX/XX/XXXX, I received a mortgage analysis from KeyBank advising that they needed to collect a sum for taxes and insurance that was four times the amount needed to satisfy the actual amounts. Clearly an error. I called on XX/XX/XXXX and was told I 'd receive a call back that never happened. On XX/XX/XXXX, my new mortgage statement arrived and still contained the erroneous data. I called the number on the statement and spoke to a very nice lady in XXXX, XXXX who was taking calls for KeyBank. She said she 'd have someone call me. Never got a call. On Thursday XX/XX/XXXX, I called KeyBank mortgage services and spoke to a person who said a supervisor would return my call by end of day. Never got a call. Bottom line ... my taxes and insurance total cost is about {$1100.00} for a year. The KeyBank statement shows that they want to collect {$3600.00} for the year. I ca n't get anyone at KeyBank to return a call, so I have no recourse but to try and get action in some other way.
I would like to remove unthorized hard inquiry from Capital one. 
When I pull the credit report it still shows an hard inquiry..
On XXXX/XXXX/15 I borrowed {$3000.00} from the Cash Store # XXXX. 
On XXXX/XXXX/15 I went to payoff the outstanding balance with a cashier 's check but the representatives at the store would not take my payment stating that a an ACH had been processed on the same day for {$730.00} to my Bank account which they had not received confirmation if it was paid hence unable to give me a payoff quote. I went back to the store again on Saturday XXXX and Monday XXXX and they still would not take my payment. As result I incurred an additional {$180.00} in finance charges. Furthermore, I find it very deceptive to show an APR of 9.75 % on the promissory note yet there is an CAB fee which is assessed as a finance charge which increases APR to the unconscionable rate of 581.72 %. It cost {$2500.00} to borrow {$3000.00} for 43 days or so - outright exploitation!
XXXX, Equifax and XXXX XXXX  are ignoring my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
My mortgage was sold to this company Selene Finance from XXXX XXXX on XX/XX/2018. I sent my XXXX mortgage payment to Selene Finance on XX/XX/2018 via check. I called Selene Finance on XX/XX/XXXX to see if they received my check payment. I couldn't get online their website because it didn't recognize my account. Customer service rep told me to call back on XX/XX/XXXX. I asked her what is going to happen with my check payment until that time she said it will get applied to my account. So I called back XX/XX/XXXX and spoke to customer service rep named XXXX which was very rude to me when I asked him if they received my check yet. He said no they didnt. I then told him i will make my payment directly with my bank via electronically which I did. On XX/XX/XXXX i tried to go on selene finance website to see if my payment posted, but now Selene has kicked me off of site. I tried to log in and request a code so I can sign into website but I never get a code from them via email. So now I have no idea how to contact this company to see if my payment was received. How can this company do this.? Every time you call them you are on hold for a very long time over 45 mins. I have read a lot of complaints about this company saying they never got your payment and then add late charges to account. They do whatever it takes just so consumers can not contact them whether website portal or phone. I just want to know if they received my payment. So i dont get any late charges thats all.
In 2012 I did get a call from a travel company ... With thier good sales skills they had me interested in signing up with a company XXXX ... We discussed many things about the company " XXXX XXXX XXXX XXXX '' but when it came down to business they was sending me a bill saying I owed money when we agreed on paying the first payment being 45 days after I signed up ... I gave them my credit card information and also called when I did n't see payments being removed ... I even reached out to them in phone calls and emails ( which I still had saved ) and no response ... Then a few months later they put me in collections ... I never even used anything in the travel club but they put it in collections and recently I saw the amount increased in my XXXX for another {$700.00} now it is up to XXXX dollars ... I want this company removed off of my credit ... Like how can you put something in collections and never send out one mail stating you owed a debt ... I never received a letter for Conrad credit Corp but they took over " XXXX '' depts.. The reason I know this is because I called once asking what is this on my credit and they mentioned this to me ... I would really appreciate if this company is removed off of my credit ....
I paid an account off to the collection agency, XXXX XXXX XXXX ( for the XXXX account ) in XXXX, 2015. After 30 days I had n't gotten a " paid in full letter '' from them so I contacted them. They sent me the letter but, to this date, the judgement still appears on my credit report, as well as the amount showing as still owed and not paid. I will write a letter to XXXX and Equifax about this matter but would appreciate any help expediting this process. 

Thank you ... XXXX XXXX XXXX
I have XXXX late Medical Bills only on my Equifax report {$1000.00}, {$35.00}, {$35.00}, {$35.00}, and they have been removed from XXXX but having no assistance from Equifax I am a XXXX and XXXX Vet and also have XXXX and Medicare Insurance I see the VA for free and even If I use outside the VA I pay nothing because I am primary on both of my medical insurances. I have used medical outside the VA before and because of my Medical coverage I pay nothing. I have tried on several occasions to contact Equifax with no results and no response. I have used XXXX for Equifax, XXXX, and your agency and only been able to to get responses from XXXX which immediately removed the medical bills and your agency which sent me to this site any assistance in this matter would be of great help to have these bills removed from my credit report. again Thank You
File Number : XXXX I submitted a dispute for a verification of accounts on my credit report that I did n't recognize as valid the account are as followed : XXXX XXXX BAL {$290.00} XXXX # XXXX XXXX XXXX XXXX # XXXX {$260.00} I had previously disputed these accounts. I have never done business with any of these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of these debts
Back in 2006 I purchased a home for {$150000.00}. XXXX lending was suppose to close me and could not at closing because my credit score dropped. I was in a panic because I gave up my apartment and have XXXX children so XXXX Mortgage which was the title company that was there for closing said they could close me. I got hit with a {$560.00} a month PMI leaving my mortgage payment to be approx. {$1900.00} a month on an income of only {$30000.00} a year. XXXX then purchased the account from XXXX and I paid on time for a year and a half and had the PMI dropped. At that point I was so far behind because of the struggle with the high mortgage payment that I applied for a Mortgage Modification. In the interim XXXX gave me a payment to pay of {$820.00} a month which included principal, escrow and a reduced interest rate. I paid this on time for close to 2 years and then my modification went through. The problem though was that they gave me a term that I had no choice to take because I could not sell the house due to property values going down below what I owed. They added {$31000.00} to the back of my loan for capitalized fees and interest. They then sold the mortgage to Nationstar. At this point I still owe the same amount that I owed when purchasing the property {$150000.00} even though the property is only worth {$110000.00}. Please assist if you can with having this {$31000.00} removed or reduced due to the beginning of the mortgage being a predatory lending case. Sincerely. XXXX XXXX, XXXX
The CFB has concluded an investigation with XXXX XXXX XXXX XXXX XXXX which they state that their reporting is correct, which it is n't. The supporting document was taken from my credit report on XXXX/XXXX/16 which clearly shows the account to be open with a 106 % utilization ratio, which is a major determinate in XXXX scoring. I am not disputing the bankruptcy but the fact they show the account as open, which it is not.
I signed up for a specific XXXX XXXX cable service many years ago. In order to receive this service I needed a specific cable box. The cable box took three months to arrive at my property and was told repeatedly by their customer service agents that may account would be credited for the charges up to when I received the cable box. I did not pay the charges because I was suspicious that I would actually receive the credit. When the cable box finally arrived my account was not credited ( attempting to get the credit was a long and excruciating process as well. XXXX was very rude, and it took multiple hours of my time ). This debt was actually posted on my credit report, and I disputed it through the credit reporting agencies. The debt was then removed from my credit report. However, XXXX continues to provide my information to debt collectors to attempt to collect this debt.
I have previously communicated that this debt is not valid and they have not provided proof of the debt, nor have they stopped contacting me. the most recent collection efforts include someone calling from an unidentified number ( They blocked it ) and leaving a message where they did not say where they were calling from or identify the company. they asked to have my attorney contact them and gave and " agent '' number. 
1 ) this is blatantly abusive and deceptive and a violation of UDAAP. You can not contact someone and not provide information while hiding behind the title agent, like you work for the federal government. 
2 ) when I called back to figure out who was contacting me, I recognized the name, XXXX, as a company who I have disputed a debt with, this is not mine and I will not be threatened of coerced into paying it.
Capital One has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
This is continuation of my Case number : XXXX on XX/XX/XXXX I specifically was told my citi bank customer service account manager XXXX that my account had been closed. She also added to reopen the account my credit needed to be pulled again. I refused, and said no, I do not think that should happen as I did everything as a customer to resolve the issue 's and I have another credit card active with you so you do n't need to do that. She then recommended I write to the president to request my account be opened without pulling my credit. 

Today XX/XX/XXXX I spoke to XXXX, and she let me know my account was reopened and the bank did pull my credit. I was surprised to hear this, as I specifically told the agent the day before since the bank decided to close my account without notifying me, I did n't want to reopen it if they were to pull my credit and I will handle on my own and write to the president. It did n't matter, Citi bank then opened my citi card account and did n't care and still pulled my credit. 

CFPB, Is that the right way to handle customers? I have banked with them 4 year 's and have XXXX credit cards with them and pay on time. The returned payment was the reason they closed my account but it was ( XXXX ) transactions only because the checking account was no longer active, and I accidentally selected it in error but called immediately to resolve this and offset the negative balance by processing payment 's over the phone. 

I now have XXXX $ in returned fee 's and I requested those to be waived also due to this whole mess or opening and closing my account 's when they feel like it. Please help me, I feel helpless, and I have built my credit responsibility, and my score is now XXXX, I would not deserve the score to be affecte due to citi bank 's error.
This is for an XXXX I did that was supposed to be covered by my insurance but the employee didn't take my information down correctly. Now I'm left with a huge bill that should of been covered by my insurance. I've already paid off the true amount I owe but they still won't take me off their computers as paid.
I have recorded phone call with radius and I stated to them that this wasn't my debt and 3 other companies are trying to get the same amount and I received a letter from one that the debt from the XXXX original collector is paid XXXX balance. I asked Radius Global Solutions LLC, formely known as XXXX XXXX XXXX XXXX, employee to get me any documentation from XXXX and anything with my photo Id and signature, I was told they would submit a request and I haven't received anything yet as of XX/XX/2018 yesterday XX/XX/2018 Radius placed this same debt on my report but for a portion of the debt the original debt is close to XXXX dollars, including the amount of XXXX which they are trying to receive for a debt already closed and XXXX balanced out through originally debt collector XXXX. I want this removed immediately and I want them investigated. I have rights and I need to be protected from debt collector who just place anything they want on your credit to ruin your chances at a better life. This is a XXXX  account because it isnt my balance please remove and take action. 
debt they are trying to collect is XXXX, XXXX, XXXX, total : XXXX.
I became XXXX and when I contacted Ocwen they put me on a repayment plan but did n't offer a loan modification. I got hospitalized and once released and no longer depressed I contacted Ocwen and the representative told me I could not send in the payment. So, I eventually applied for a modification and each time my application has some how disappeared. But I have been assigned a representative from their company more than once. I have even taken my loan modification application to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida. on several occasions. I contacted to get a pay off and they quoted me XXXX but the attorney representing Ocwen gave a quote just a little over XXXX XXXX. I submitted the loan modification to their attorney XXXX XXXX.
I attended XXXX XXXX in XXXX, California. I took out a federal loan for school and I have been paying it. The school then proceeded to take out XXXX private loans out in my name without my consent or knowledge. I have expressed this to the loan company NAVIENT, when they called me 3 years after the school applied for it. They refused to send me any " proof '' that they claimed to have. I have never received any information about the loan, yet it 's on my credit report and I have been disputing it since I learned that I could. This has caused a huge grievance on my credit score and therefore reflects poorly on me as an adult, making it difficult to apply for an auto loan and eventually a mortgage XXXX day.
XXXX contacted my fiancee on his personal cell phone and asked him my whereabouts and contact information because I had a charged off Kohls credit card from 3 years ago. They had no right to share my credit information with him as we are not married and he has no legal right to know about my old chargeoff. They provided him with several pieces of mybpersonal information and I have the ohone records to prove it!
XXXX XXXX has been overcharging Im imterest and allocating fees without my consent when directed to go toward pricinpal reduction not fees. During the months of XX/XX/2017 the applied 8 payments of $ XXXXtowards outstanding fees when directed toward principal reduction and another month did {$130.00} towards fees that should have been a principal reduction this has created more interest to be paid on the loan. When I called to discuss the matter with them the representative was extremely rude and stated your XXXX XXXX wont get you anything or further with me. This was not accepts Le behavior. Santander ( parent company of XXXX XXXX  ) is one of the largest subprime auto lenders who could be charging this to many clients creating {$1000.00} of unlawfully charged interest. My interest rate is low however other clients, XXXX have higher and not be as informed.
I have had my identity stolen and I have had bank account opened in my name I have bank in the us XXXX XXXX and bank of America opened they say i owe them XXXX dollars and they have also opened up a XXXX dollar insurance policy on me without my consent using a private insurance company not keep on record