WillisBack/dataset-financial-user-claim huggingface dataset:
For the past several months, I have contacted Discover card via online chat, disputing the fact that my statement does not provide me with complete or full disclosure as to how my payments, including additional payments, are being applied towards my account. It also does not provide ACTUAL current balances still owed, as well as when my promotional interest free period expires. I have attempted to get Discover to provide this information on my statement on XXXX several occasions. I am told, this is general industry practice, and they are well within the law. I do not feel that i have TOTAL disclosure, as they do not provide me with the ACTUAL amount that is being applied toward my balances. They give me the formula that they use to generate their interest charge, and i have to figure it out myself. I do not know how much of my additional pmt being made is actually being allocated towards the higher interest balance, they only tell me that it is going down. I guess i am just supposed to believe this? I have asked that my statement provide the actual balances still owed, as well as the breakdown of actual payments made, and where they are applied, to which balance, as well as when promotional period expires. I do not feel I have total disclosure of my billing, since i can not see exactly where my payment is being allocated, other than they tell me that my balance is going down. I should not have to just take their word, it should be provided to me, in my statement, on a monthly basis, so i can see EXACTLY how much i still owe in each balance, both the higher balance, as well as the interest free balance. If this truly is standard industry practice, I believe it is an unfair billing practice, meant to be vague and deceitful.
I have been a customer of XXXX XXXX card for years I have never missed a payment on my account. A few months ago the account was paid in full, so they informed me that there was a {$5.00} fee to keep the account open even if the balance is 0.  One month I made my payment online like i do every month. However i made the payment twice, my bank flagged the transaction as fraud. I told them it was an accident that I click the submit button twice. There was a stop payment, I was not aware that it was permanent. So i kept making my payments through bill pay. I have never received a call or email from the credit card company. I am in the process of purchasing a home, I am expected to close next month, I have given notice to my apartment complex. On XX/XX/XXXX, I received a credit alert that they reported my account as nonpayment for 30 days. My children and I have literally no family here in Texas, if this affects my closing. I have offered to get it taken care off, and remove the mark on my credit, spoke to a supervisor and literally they hung up on me.
XXXX has inaccurate info on my credit report from Avant Credit and has not removed it, my dispute was initially file XX/XX/2016. I had permission from Avant to miss one payment, then I had to re-sign a repayment agreement with them ( which they added {$1000.00} to the loan ) and it was supposed to remove any negative info. XXXX has corrected the info, XXXX has not and after being on hold with them twice for a total of 30 minutes today waiting to talk to a stat side supervisor ( which never happened ) I am filing a complaint. They show XXXX missed payments with a credit score of XXXX, XXXX score XXXX. I have already missed out on a job opportunity because of this and pay higher car insurance premiums. This needs to bbe corrected immediately!
I made the mistake of going to Lonestar Title for a title loan, little did I realize how much higher their interest rate was from others. My payments are double from what they would be. In trying to find someone to refinance the loan, no one can because Lonestar sends the car titles off to their home office which in return keeps any other title loan company from being able to buy out that loan. I think this is deceptive business practice and a racket to keep customers from being able to get a much lower interest rate and payment with someone else. They are the only title company I have found out in our city that does this and now I know why. It 's wrong! Because I struggle to pay such outrageous payments.
This complaint relates to the Discover credit card pre-approval online website titled " Find My Offer ''. 
This site is deceptive and misleading consumers into taking the next step of submitting formal credit card applications. 
In my case, after submitting basic identifying information, such as name, address and the last XXXX digits of my ssn on their initial 'Find My Offer '' site, a soft pull was performed on my credit file. 
After a brief pause, while my credit was being checked, led to a new Web site popping up, informing me of " Your Personalized Offer '', along with " Here 's the card we found for you '', indicating the Discover It card. 
Well, needless to say, I was turned down, after submitting a lengthy formal application, along with disclosing the account numbers for XXXX of my other credit cards that I wished to have a balance transfer over to the new Discover It card that I was " Offered ''. 
I can accept a credit card denial, what I ca n't accept is misleading and deceptive marketing. The words " Offer '' is utilized multiple times along with the extremely deceptive " Your Personalized Offer ''. 
An " Offer '' is just that, an " Offer ''. Pretty straight forward language. 
This not only resulted in a hard pull on my credit report but, more importantly, the disclosure of other credit card account numbers which I hold. I would never have disclosed this information but for their language of " Your Personalized Offer ". 
After a review of Discover 's " Find My Offer '' website, you may very well agree with my assessment. Thank you.
XXXX XXXX, XXXX XXXX XXXX Bank now in collection with XXXX XXXX XXXX {$610.00} THIS IS NOT MY ACCOUNT I HAVE DISPUTED THIS I AM VICTUM OF FRAUD.
about 6 years ago I had a home repossessed from me from my mortgage company.. 
they called me on several occasions an told me that I was behind on my payment an that I was either late or they did n't take enough money out of my account and charged me more and by saying more I mean like I was paying them like XXXX to XXXX a month for like six months till I could n't afford to keep up with it anymore.so then they told me that I had to move an paid me some where around XXXX to XXXX to move out I feel like they stole from me and caused me to have bad credit I have learned that they are in a huge law suit do to wrong doings to people. how I found this out was trying to repair my credit also I remember a time when an investigator came talked to me shortly after all this happened just never thought no more of it till now ...
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the XXXX XXXX XXXX ( FTC ) and filed fraud/identity theft reports with them along with contacted my local XXXX field agenct office in XXXX XXXX to report these accounts.
I received a deferment on my student loan two years ago. The collection agency began harassing my family and friends by calling their private phone numbers yesterday XX/XX/2018. They continued to call today and asking for me, where I work, where I live etc. They claim to have tracked their numbers on a " public data system ''. We've asked multiple times to remove their contact information, since they have nothing to do with my bills nor manage any of my accounts.
I had a loan servicer, XXXX, now Navient allow a third party to represent my account with payments, changed address, and phone numbers. In summary I had no control over my account. It was being managed by a family member that I finally took back over after weeks of calling XXXX. During this time and now I have the means to pay and its frustrating that my account was put in forbearance so many times ( which it accrued interest ), as well as not being contacted but the third party about XXXX loans that went late for 90 days ( A huge credit hit! ). I have sent a goodwill letter to have these removed because of all the confusion, but the interest that accrued during these time of forbearance my account was placed, and the general lack of obtaining information from the sole debt holder is troublesome. I have since consolidated my debt with Navient and have my account on Autodraft, but the credit remarks are still there impacting my credit.
My husband and I applied for an FHA loan with XXXX XXXX. That certain bank does not do FHA loans in-house so they had to use quicken loans to process the loan. The bank also told us they do not order an appraiser unless we are approved for the loan because they will charge us and do n't want us to pay if we did n't get approved. Well an appraisal was ordered and the guy came out a week later. Come to find out we did n't get approved for the loan and they did n't charge us for the appraisal but we still should have the right to a copy of it. I hope you can help. Thank you
I was asked four questions in relation to my credit report in which none of the accounts belonged to me and therefore was blocked from being verified and being able to check my credit report. I then contacted Equifax by phone on XX/XX/2018 with great concern as to why I'm being asked questions regarding accounts that are not mine. Their response? " I don't know ''. I advised the representative that, that answer does not work for me and requested a manager. The manager then asked " If I was calling to check the recent dispute? '' I stated " No. I'm calling to see why I'm be asked questions about accounts that are not mine during the security verification ''. The managers response? " Yeah, that I don't know ''. 

My complaint is that I've been asked these security questions in the past and the only answer I receive from Equifax is " I don't know ''. I feel that they are crossing my information and/or mishandling mine ( and potentially others ) information in a very careless manor and this should be investigated. 

I will continue to submit complaints until I receive a proper explanation/resolution.
fraud transaction XX/XX/XXXX XXXX XXXX, business to business act csi - payments XXXX. XXXX fresh product {$700.00}
My information was breached in the Equifax hack of XX/XX/XXXX. I first became aware of the problem near the beginning of XX/XX/XXXX. Equifax apparently had insufficient data protection safeguards in place and as a result my personal credit information along with approximately 143 million other Americans ' credit histories have been compromised
Credit Denial : Unjustified Credit Denial by Barclay No legal justification for closing a credit card account : The account did not have any charges or missed payments or debt.
I had my credit rating go way up several years ago so I bought a home for the first time, six years ago. Was late a couple of times on the mortgage about five years ago but not late on anything else since that time, and have paid off several credit cards to zero balance and paid off a {$5000.00} loan all within the past month. My credit was pulled two weeks ago and was close to XXXX, then it was pulled again and was XXXX. I was shocked. Last spring I tried to buy an R/V and the salesman pulled my credit many times -- without my permission -- and it hurt my credit, too. I am seeking to find out why my credit was brought down so low in such a short time. It 's unacceptable, and I will write to my congressman, congresswoman, FTC chairman, whomever, until this situation is fixed. My credit should by all rights be above XXXX right now. I am tired of being pulled down by the credit bureaus when I pay everything on time, and have for several years.
COLLECTOR KEPT CALLING MY CELL, MY MOTHER CELL AND MY FATHERS CELL AND MY WORK NUMBER AFTER I SENT THEM A CEASE COMMUNICATION LETTER. 17 CALLS TOTAL.
1. Midland Credit Management has not  validated this debt. They sent me statements of an  XXXX  Credit Card. The address on the statement does not belong to me. Please show me the signed agreement bearing my signature that proves this debt is mine.     2. Sending of a letter and it not be returned undelivered does not protect you under FDCPA. Please provide PROOF that this letter was delivered to me.
3. You voided an existing payment arrangement without my re  quest for your own convenience so you can renegotiate the terms of the agreement. Since you have breached the agreement we had made, without my authorization to do so this is evidence of your failure to keep your part in the agreement.
Hi, my name is XXXX. BMW FINANCIAL SERVICES place a late payment on my credit report. It is dropped my score by XXXX points. BMW FINANCIAL services does not want to correct the error. They sent the statement to the incorrect address. I need to resolve this matter inmediately. I have been trying to reason with them and they did not want to do it. Please help it is affecting me personally in the business as well as mentally.
I XXXX college in XX/XX/XXXX and left XXXX, XXXX to attend XXXX XXXX XXXX training in XXXX, XXXX. Five years later in XX/XX/XXXX, I received a letter from the National Credit Audit Corporation ( NCAC ) saying that I owed {$270.00} for damage that had occurred to the apartment that I was living in while in college. I took the letter to my legal department because it seemed weird that an agency would contact me almost five years later about a claim that had materialized out of thin air. My legal department advised me that it was probably a debt collector scam that they unfortunately see frequently with military members due to the frequent moves inherent with military life. Legal told me to respond asking for more information about the debt assuming that it would fall by the wayside. NCAC responded with an itemized list of maintenance charges ( from XXXX XXXX properties, the apartment complex that I had previously lived in ) that I had never seen before. The list was dated a full month before I had supposedly vacated the apartment and yet I was only seeing it for the XXXX time five years later. When I had vacated the apartment in XX/XX/XXXX, it had been under good standing with the rental company ; I understood that I would not be getting the full amount of my initial deposit back because it was standard practice to repaint the walls and have the carpets cleaned using the initial deposit. I again consulted my legal department who, after some research found that XXXX XXXX properties and therefore NCAC, were in violation of Title VI Chapter 83 section 83.49 paragraph 3 ( A ) of the XXXX Statutes which states " the landlord shall have 30 days to give the tenant written notice by certified mail to the tenant 's last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim.If the landlord fails to give the required notice within the 30-day period, he or she forfeits the right to impose a claim upon the security deposit. '' XXXX XXXX properties failed to notify me within 30 days, much less via certified mail to my last known address, which was provided, and so in my opinion, the debt for damages ( that seem to have materialized when I was not around to contest them ) is not a valid claim.
I received a pre-paid XXXX card from XXXX as a rebate. The expiration date on the card ( XXXX 2015 ) was approximately 3 months after I received it. I used all but {$48.00} of the funds, but now that the card is expired it got declined when I tried to use it. XXXX will not issue me a new card for the remaining balance, or offer any alternative compensation.
I have disputed several times about this debt and this company is refusing to delete it off my credit report after the statue of limitations has ran out. 4 Years in Texas. They have also never sent me validation of the debt and I have been disputing for over a year.
I have disputed the late payment status reported on the account XXXX FKA XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
The credit card I received from Barclays expressly said on the advertising that there was no annual fee. I have the original paperwork I received from Barclays where it states that there is no annual fee. They charged me an annual fee. I disputed it in writing, and sent via certified mail. They did not respond within 30 days, and have not acknowledged my dispute. It has been several months, and over time they have added late fees and harmed my credit reports. I also telephoned them ; they told me that they were investigating, and promised in writing to remove the negative information on my credit reports within 1 month. More than 3 months later, they finally removed the charge, but the damage on my credit reports remain, and there is no indication on my credit reports that the charge was disputed. 
Barclays sent me a letter claiming " We called you several times to discuss your concern, but were unable to reach you. '' I do not remember received a phone call related to this, but I know that I telephoned them starting in XXXX over this issue, and again in XXXX and XXXX. 
I believe this problem occurred because I originally applied in XXXX for a Barclay Arrival+ Mastercard that did include an annual fee. Before the annual fee was charged almost a year later, I called to cancel the card. Their sales team convinced me to switch to their fee-free card ( the Arrival Barclaycard Mastercard ), and I agreed. I received the new card in XXXX XXXX, with new terms and literature showing that there would be have no annual fee. After 10 months, I was sent a courtesy letter informing me that I would be charged an annual fee. But the letter did not state that it was a change in my card terms of that I otherwise could avoid the fee. I telephoned, and the account representative confirmed on the telephone with me that my product has no annual fee. I then carefully watched for my XXXX bill, and found that the account representative was wrong. There was an annual fee charged even though Barclays allegedly converted my card to a card without an annual fee.
I paid this debt with XXXX  account resolution years ago and they are still reporting as unpaid on my XXXX credit report. I disputed through XXXX months ago and I even called the collection agency. Still no resolution and it is seriously affecting my credit. I owed {$1300.00}, {$640.00}, {$600.00}, and {$930.00} between XX/XX/XXXX-XX/XX/XXXX. I paid directly through the original creditor which was XXXX college.
I cosigned for a student loan for my son to be paid after he graduated. Kohn Law Firm of XXXX WI, ( a " Nationally recognized debt collection law firm '' according to their Website ) starting working with the collection of the debt in XX/XX/XXXX. I set up a verbal payment agreement with them and began making {$200.00} per month in XX/XX/XXXX. Payments were sent to the firm at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I continuously requested validation of the debt and when they did sent me information it was not complete. 

In XX/XX/XXXX, they filed a lawsuit against myself and my son. We both hired attorneys and again both attorneys requested copies of the master list ( pool agreement schedule XXXX ) showing that this loan was transferred to a trust account. 
In XX/XX/XXXX, Attorney XXXX contacted my attorney ( who was hired to represent me on the loan of my son 's ) regarding another defaulted loan that was in his office on a student loan of mine. Now I did not hire the attorney for this matter and I had been dealing with Kohn Law Firm since XX/XX/XXXX, waiting for the master list ( Schedule XXXX of a pool agreement showing my loan was transferred to the trust ) As of today 's date I still have not received anything from them. Attorney XXXX violated my right to privacy by even mentioning this matter to my attorney, who, again was not representing me on this matter. 
This Master list regarding my son was never provided and the court dismissed the case in XX/XX/XXXX along with my counterclaim. My counterclaim was for a refund of payments made in the amount of {$2000.00} along with attorney fees and {$1000.00} punitive damages. Between XX/XX/XXXX and XX/XX/XXXX I actually paid $ XXXXXXXXAfter a month I contacted the Attorney XXXX XXXX requesting a refund of the {$2900.00} I paid on the loan that they could not prove the ownership of. He has refused. 
I sent an email again asking for a refund of my money and again he refused.
The following attorney group has been making consistent false attempts to collect a credit card debt for the following, ( XXXX XXXX XXXX, XXXX ) which is no longer due/relevant. The amount they are attempting to collect by harassing false letters and phone calls is past The statute of limitations in Illinois. 
This firm has been contracted several times before by your Consumer Financial Protection Burea,  but yet they continue to harras me by mail and phone. 
Please assist me in this matter and make this firm stop harassing me, please. 

Blitt and Gaines/Attorney at Law XXXX XXXX XXXX XXXX, IL. XXXX XXXX
Addresses listed on my credit report are not mine. Only the  XXXX , IL address is mine. I have never lived at the other  XXXX  addresses and need them removed.
I applied for the Discover IT card and was denied on XX/XX/XXXX. The agent I talked to that same day told me my credit application was n't even reviewed because I had applied for a duplicate card, and that if I applied for a different version of the card, I 'd be approved seeing as everything else was okay, such as waiting 12 months inbetween cards. I applied for the second card and was denied again. I was given misleading information that lead me to believe I 'd be approved, if I would just re-apply. I want XXXX of these duplicate inquiries, that adversely affect my credit score, to be removed. Multiple attempts to contact Discover over the last three and a half weeks have yielded no use.
The accounts in question are XXXX XXXX ( XXXX ) The statue of reporting has expired as of XXXX/XXXX/XXXX and it remains on my credit report. 
XXXX XXXX ( XXXX ) The orginal account was charged off since XXXX XXXX and both accounts are reporting and its passed the staue. 
XXXX ( XXXX ) Reporting pass the statue.Original delinquency wasXX/XX/XXXX
Paid for XXXX nights at XXXX XXXX in XXXX XXXX, LA XXXX on XXXX XXXX, 2015 for arrival XXXX/XXXX/15 via XXXX. Upon c/i gave Sears MC XXXX credit card, got key went to room it was dirty took pictures. Called XXXX they called merchant they said no refunds, Sears customer service rep advised if stay no credit given. Went to merchant returned key did n't give me any paperwork even though I requested same. Stayed at the XXXX XXXX XXXX instead note : gave same cc got key and then went to room, it was clean. XXXX XXXX said he works in the sears office of pres. and because the cancellation policy does n't say anything about clean room I will not be issued a credit, dispute amount {$430.00}. I followed all the necessary steps for dispute process. Merchant claims services rendered they were not.