WillisBack/dataset-financial-user-claim huggingface dataset:
Hello CFPB, I am a recent XXXX XXXX from XXXX University. Since I was relocated here as a XXXX at risk, I can not go back home ( XXXX ) because of the ongoing political crisis. So, until I get a professional job ( XXXX & XXXX ) I do any job to pay my bills on time and earn a living. Most of my credits are set on automatic payment and are paid timely. My credit score has been above 700 until recently and I was informed yesterday by XXXX XXXX that my credit score fell to XXXX due to some negative credit factors including late payments ( I forgot to pay an XXXX travel loan payable on the XXXX and paid it on the XX/XX/XXXX and reported. ) One major factor is, I was told, a closed XXXX store credit account which a XXXX saleswoman prompted me to open ( i did not go to XXXX that day to open a credit account ) and I told her there and then on her registry line ( to the same cashier before I left the store ) to close the account she ppened by my name because I did not plan to have a XXXX ( or any credit account ) for whatever reason. Either the saleswoman did not close the account she told me she closed it or XXXX systematically keeps open closed accounts to collect debts it does not deserve. For this wrong doing and exploitation/abuse, XXXX is accountable. 

I called XXXX XXXX yesterday, XX/XX/XXXX, before XXXX and they told me to file dispute on my behalf. However, what XXXX did has a negative impact to worsen my already stiff financial situation. Whether or not my credit score will be fixed, I never back away from holding responsible for their own wrong doing and for keeping open a closed account and reporting me falsely and claiming unfairly that I owe them debts. 

Happy holidays! 

XXXX XXXX XXXX XXXX, IN
My vehicle was declared a total loss by the insurance company. I have both full coverage care insurance and GAP insurance to cover the vehicle contract for fees that the insurance company did not cover. My insurance company paid the claim and the GAP carrier provided information to cover additional expenses with the exception of a $ 54- {$56.00} NSF fee that was incurred earlier in the contract period. After those payments were received by the vehicle lease company I was charged excessive 'interest fees ' on the outstanding balance. The only outstanding balance was an old NSF fee that the company neglected to advise me of. I do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that was not disclosed until AFTER the insurance company declared the vehicle a total loss. I also do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that is different from what was provided to the insurance company and the GAP carrier.
I have mailed to them letters explaining my position on student loans ; several attempts with proof from the school financial aid department I 've attended. I have a zero balance! I 've shown this to them and the loan holder and servicer. They will not remove the information from my credit report. Initially there were XXXX student loans on my report, just recently they removed them after my most recent attempt to ask them to remove all of them. They will not remove XXXX of them. They tell me to contact US Dept of Ed, but they only want money from me. They will not accept that it is identity theft. Also, they do not contact me after I contact them. It is so frustrating ; I have medical bills on my report that do n't belong there either. But they will not do anything, but extend the time on the items, so that they will remain on my credit report ; it is so unfair. I am a student and I ca n't get financial aid because of this. They have conflicting information, and they 've all ignored the mistakes they 've made. This is extremely damaging to my life. I gave them information as proof and the truth of the matter. A contact name at the Institution XXXX where I once attended as a student before. I do not have any student loan debt. 
Please help me correct these issues with them, by getting them to remove the student loan fraud completely without it returning. 
Thank you, XXXX XXXX
XX/XX/2018 I was trying to get all the amounts I owe from all my credit cards under my name to see what I can start paying it off because I didnt have a job at the beginning of the year and I wasnt trying to get all my accounts closed because I need credit line. Soon Ill get a settlement from a lawsuit I had so I want to be able to have some credit line after I pay some off. I didnt get noticed about my accounts being charged off.
I have been affected by the recent allegations against Navient regarding my loans as well. My loans were originally with another creditor and transferred to Navient. As early as 2007 I have fallen under all poverty income guidelines for all government agencies and/or have attended school at various places. Instead of offering deferments, or offering with income driven repayment plans, I too have been offered economic hardship deferments, where my interest rates have continued to soar. They would capitalize interest and let it build.I am now paying monthly out of pocket to an accredited online learning institution because I can not afford otherwise to attend school. I can not afford to pay the payments each month requested while not in the IDR plan. They have request XXXX per month out of my XXXX income which supports XXXX people in my household. I also work for XXXX for over 15 years and this was never asked of me and loan forgiveness ever discussed either. I feel this is unfair and I will have to pay thousands in interest that could have been avoided.
This man by the name of XXXX was borderline aggressive and rude. After picking up the call, he assumed he was speaking to the debtor which he was not. I asked him to give me his contact information, and he just replied by claiming that I was in deed the debtor. At this time, I again stated I was not and repeated for him to give me the name of the company he was calling on behalf of, and he responded by again repeating the debtors name. I informed him that this number has been calling this residence non-stop and if he could provide me with the company he was representing. He replied that I did n't need to know this and not to concern myself. I ended the conversation by telling the agent that he was Very rude and he should brush up on his communication skills when calling someones home and that he should ask instead of accuse people of being another person. It is Ridiculous how some companies are allowed to treat consumers in this way.
I disputed a capital one auto finance inquiry and they deleted my actual credit card account. I reached out to both parties about the issue on XX/XX/24. I have been paying on the card and it is not reporting and has not been for three months now.
I was approved for a loan in the amount of XXXX with Avant Credit last year around XX/XX/XXXX, however, I just realized they are charging an unusually high interest rate of XXXX % when my credit score was in the high to low XXXX range at time of approval. I do not believe my rate should be so high with that kind of score.
XX/XX/XXXX, I RECEIVED A LETTER FROM DIVERSIFIED CONSULTANTS IN REGARDS TO A RECENT DIPUTE I HAD MADE. THE LETTER STATED DIVERSIFIED CONSULTANTS REVIEWED MY DISPUTE AND THEY CEASED COLLECTION OF THE ACCOUNT AND TO BE ADVISED THE CREDIT BUREAS IN WHICH THEY CONDUCT BUSINESS WITH WAS NOTIFIED WITH THEIR REQUEST TO DELETE THEIR LISTING OF THE ABOVE-REFERENCED ACCOUNT. AS OF XX/XX/XXXX DIVERSIFIED CONSULTANTS IS STILL SHOWING ON MY CREDIT REPORT AND HAS NOT BEEN DELETED AS THE LETTER STATED IT WOULD. I'VE SENT MULTIPLE COMPLAINTS AND DISPUTES INCLUDING A COPY OF THE LETTER TO THE CREDIT BUREAU IN WHICH THE LISTING IS STILL SHOWING AND WAS INFORMED DIVERSIFIED CONSULTANTS DID NOT CEASE COLLECTION OF THE ACCOUNT.
Synchrony Bank / XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
In XX/XX/XXXX, there were XXXX isolated fraudulent credit card charges on my Chase credit card account, an account which I opened in XX/XX/XXXX. At that time, I contacted Chase about the charges, and Chase replaced my card. I subsequently contacted XXXX to request that a security freeze be placed on my account. I did NOT dispute the Chase account, but XXXX contacted Chase and required that my account be closed. Further, my 11 year Chase credit history was entirely removed from my credit report without my consent. On XX/XX/XXXX, I contacted XXXX and spoke to XXXX, a Supervisor in Special Handling. She looked at my security freeze request and verbally acknowledged that XXXX was responsible for the error. She stated that I would need to contact Chase to have the account reinstated, and then XXXX would update my credit history. Chase, however, refused to reinstate my account, even though I had paid in full for all charges other than the XXXX fraudulent charges in XX/XX/XXXX. Chase told me that once all XXXX credit reporting agencies instructed them to reinstate my account, they would do so. After much back and forth between Chase and the credit reporting agencies, none would take action ; I was then placed in a " Catch-22. '' Because XXXX had made the original error, I filed a complaint against XXXX with the CFPB to request that they contact Chase to correct their error. XXXX replied that they had re-inserted the item on my credit report and sent it to Chase for approval. Chase refused to reinstate it, and XXXX now states that, " Chase has removed the account as verified fraud by credit grantor. '' Chase has clearly made an error. If my entire account had been fraudulent, I would not have been paying my bills in full on the account since XX/XX/XXXX. Only the XXXX charges disputed with Chase were fraudulent. In fact, even though I never received a bill for some of my charges in XX/XX/XXXX after they unexpectedly closed my account, I voluntarily contacted Chase in order to determine the balance due, which I then paid in full.
Received a letter on XXXX2018, regarding a debt with XXXX XXXX XXXX XXXX, Contacted Atlantic Credit and Finance Incorporated, XXXX. XXXX XXXX XXXX, VA XXXX. XXXX AFC : XXXX Account Number : XXXX Called : XXXX XXXX XXXX Current Servicer : Atlantic Credit and Finance Inc. 

When calling, I was transferred to several people with in the Credit and Finance group to settle a debt, the employee stated this was an attempt to collect a debt, then I was placed on a brief hold and transferred to a representive. 
I was ask a brief couple of questions regarding the debt and answered the questions in regards to the letter sent to my home by Atlantic Credit and Finance Inc./ :  XXXX XXXX XXXX . 
Why did it take so long to pay your bill? 
What did you do with your income and monthly income? 
o What bills are a priority in your household? 
Why did you neglect your XXXX XXXX card statement? 
Did you have an issues at your home where you needed to replace items or a fire or natural causes of a disaster? 
Do you have health issues? 
Employment hours reduced beyond your control? 
I answered the question several times, repeating the answers and then asked to settle the credit card debt, as instructed in the written letter sent by this said firm. I was then transferred to a manager and the same process was repeated. 
Why did it take so long to pay your bill? 
What did you do with your income and monthly income? 
What bills are a priority in your household? 
Why did you neglect your XXXX XXXX card statement? 
Did you have an issues at your home where you needed to replace items or a fire or natural causes of a disaster? 
Do you have health issues? 
Employment hours reduced beyond your control? 
I then became upset and requested a settlement of which I was denied, and I hung up the phone and called our family lawyer the firm is not willing to settle a debt.
In XXXX, and again in XXXX, I sent paperwork to Navient for loan forgiveness, based on the fact that I have XXXX full time, XXXX XXXX, in XXXX XXXX for over 20 years. I definitely qualify for loan forgiveness, based on this fact. The first time I tried, they denied me. The second time, they ignored me. They are still billing me for XXXX, in spite of the fact that I have made regular monthly payments for many years. I'm sure I've paid off what I borrowed, however the interest has made it impossible to keep up. 
I believe they are hoping I will just give up, but I know I have earned the loan forgiveness for teaching special education.
In XX/XX/XXXX I was put on XXXX and I had called in XXXX to see if Ford would be able to lower my car payment due to the financial Hardship that was occurring. Ford transferred me to the rewrite department where I spoke to XXXX and she started the process once the process was complete I was approved on XXXX XXXX. I had called XXXX in the rewrite department to discuss XXXX payment how I didn't want it to be 30 days late during this whole rewrite process and go on my credit. XXXX and XXXX assured me if this happened during the rewrite they would fix the 30 day late payment.Well on XX/XX/XXXX I received an alert stating I was 30 day late on my payment with Ford. I disputed that and called the rewrite department and spoke to a XXXX XXXX who then stated the credit department was in charge of that she then gave me a number where to call XXXX. I called the credit department who informed me the credit was already updated on XX/XX/XXXX that was not the case yesterday the credit bureau contacted me stating the dispute i had made was accurate through Ford and they would not delete the days late which cause my student loan to deny me to not enter school. This has been such a devastation and I hold Ford responsible for this I have been given the run around and they have not owned up to what they said they would do. I have spoken to several Account specialist in different departments and XXXX in customer service informed me today that I would have to send a letter to the Credit Dispute dept to see if they would take the 30 day late payment off. If i knew this would happen I would never have did the rewrite that caused me my career.
My Homeowner 's and Taxes are escrowed each month. My Mortgage Company, Roundpoint Mortgage Servicing failed to pay my insurance premium and my Homeowners lapsed. I had to pay this out of my own pocket to get re-instated. I can not get an answer to any of my attempts at reaching this company by phone, e-mail, certified letter, fax or secure message through their website. I can not get any answers from them as to why this happened. The funds are there, they just chose not to pay my premiums.
I had applied for a payday loan due to medical expenses I recently occurred This company Cash Max XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX agents name was XXXX supervisors name was XXXX and they stated I was approved for a XXXX installment loan but I needed to verify that I could pay the money back via XXXX XXXX they wanted me to prove that I had XXXX right now I went to XXXX XXXX XXXX times and all XXXX times the transcaction could not be processed should have been my XXXX clue I then purchased a prepaid XXXX money card and loaded the XXXX on it and called them to giove them the number they said I did not have to activate the card and they would process the loan and call me back in 30 minutes to let me know the money was deposited into my account 2 hours went by called XXXX and he said he is still working on it and will call me back red flag went up and I called XXXX the automated system stated that the card had already been activated and when I checked the balance and entered my information it said incorrect info does not match our records so XXXX had activated that card with his information not mine I have tried to callo them back and it either goes to a voicemail or they pick up [ and hang up they probably have caller ID I would like this reported and of course would like my money back but most of to let people out there know not to go with this company cause they are a fraud I work hard for my money and have a family to support but I trusted them and look what I get for trusting I do n't understand how people can be so dishonest and untruthful Please help me in any way you can thank you My info isXXXX XXXX XXXX XXXXXXXXXXXX
City bank claims that I owe {$1600.00} on a XXXX Credit Card ending in XXXX. 
I have never received this card, I have not validated or registered it, OR used it by their own records.. 
Repeated attempts to find out where the charge was generated has failed. I have chosen to pay the card off, but I am sure they will attempt to extort more money from me in the future. 
I do have an active City Bank Card ending in # XXXX which is paid off monthly.
The credit card company ( American Express ) changed my credit card from one type ( Blue Cash ) to another ( Blue Cash Everyday ) without my consent, and I would lose cash back money because of that. My current card has an annual cycle system for cash back, which means that the cash back I get depends upon the purchases I have made with this card during a 12 month period. My cycle starts on XXXX of XXXX of each year, and I get a lower cash back percentage for the first {$6500.00} I spend with this card, and after that I get more cash back percentage. This year 's cycle also started on XXXX of XXXX, and in the past 4 months, I have made most of my purchases with this card so that I reach the {$6500.00} limit as soon as possible, and start getting more cash back. Now, just when I am about to reach this limit, the credit card company has sent me a letter notifying me that my card has been converted to a different type, which has a completely different cash back system, and as a result, I would receive much lower cash back compared to what I would have gotten with the old card upon reaching the {$6500.00} limit. I contacted their customer service many times and all of their agents understood my issue, but ultimately did n't do anything other than apologizing to me. I told to the agents that this is cheating, and they said that this is a company-wide policy and they have no control on it. As a solution, I offered them to change my card after my current cycle ends, but they denied it. I also offered them to give a higher cash back on previous and future purchases to compensate for my loss, but they denied it.
CIG Financial is constantly calling and harassing people who I used as references for an auto loan, looking for me after I have already told them to stop calling. People are calling/texting me angry and upset because they are saying a collection agency is calling looking for me and they do not want anybody calling their phones to speak to me. This has happened more than once on numerous occasions. CIG Financial will not stop the harassment and they are causing conflict! According to XXXX XXXX, she notated my account for no references to be called, yet this has not happened. CIG is constantly violating my rights and breaking the law.
Equifax , XXXX & XXXX are showing a public record ( legal item ) of {$5100.00} as of XX/XX/2016. That record has been dismissed via the XXXX County Court Reference Number XXXX. Needs to be removed from all XXXX credit reporting agencies immediately, this has been dismissed by the magistrate.
I called on XX/XX/XXXX once I found out I had this collection. I asked for them to send me a copy of the collection, some sort of proof that I actually owe this and they will not send me anything. they wo n't tell me who the collection is from. I gave them my current address so they can send me what ever they have on file. They refused to send me anything. 

Escallate LLC acct # XXXX XXXX
XXXX, Transunion and XXXX claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.
I was involved in a motor vehicle accident. I went to the emergency room for treatment and gave my insurance details. I had health insurance. Instead of billing the insurance company the hospital sent me the bills. I repeated told them to bill my insurance company. After few months I hired a lawyer. My lawyer called the hospital to bill my insurance company. Despite my and lawyers repeated calls to bill my health insurance the hospital sent it to collection company. I do not remember receiving any call from them. I found out about the collection debt when I applied for a home equity loan. The emergency doctor who treated me in the emergency room billed my insurance company and he got paid. This is an unfair, aggressive and illegal debt collection practice. The hospital is XXXX Medical center in XXXX XXXX TN
I am a XXXX year customer with B of A. Last year our credit card ending ... XXXX expires XX/XX/XXXX, was cancelled due to inactivity, a letter was supposedly sent but never received or acknowledged. We have had that card since the 1973 and relied on that for emergencies, using out debit cards for day to day use. 
We are retired now and have only our SS benefits for income. I spoke with your customer service reps including 2 supervisors to help in reactivating the cards to no avail. Of course they recommend reapplying for new cards, sure with horrendously high interest rates now. 
I feel as though I'm I being treated like a new customer rather than a many year loyal one.
I purchased XXXX blankets from XXXX and used my Paypal credit account to pay for the purchase. When I received the XXXX blankets, the color and style were different from what I ordered. They were also packaged wet and had developed a mold or mildew during shipping. I filed a claim with Paypal, as this should be covered under their protection guarantee. The initial response was that I just needed to return them to get a refund. I was not given a prepaid label, and the shipping back to XXXX is over {$50.00} - almost the same amount that I paid for the blankets. Therefore, returning them for a refund ( if I pay shipping ) is useless. These blankets are not what was advertised AND they are moldy!!! If anybody is going to be out of money, it should be the seller NOT ME! 

I 've attached picture of the blankets I received. They were supposed to look like this : XXXX
was notified of a collection added to my transunion report from a company called XXXX XXXX XXXX XXXX XX/XX/XXXX for a XXXX XXXX XXXX account. This is from XXXX and was filed and XXXX under a chapter XXXX bankruptcy filed in XX/XX/XXXX discharged in XXXX I tried to dispute on transunion and it will not accept my dispute This is illegal and in violation of the bankruptcy discharge. it is also in violation of the 7 year reporting period I demand it be removed or I will request sanctions thru the bankruptcy court for these viloations
Payment was made via autodeduct from my checking account for the amount due on my mortgage escrow account on XXXX XXXX 2016. Since then the mortgage service company ( Paramount Residential Mortgage Group ) has been calling, demanding an additional payment for XXXX. When I discussed this matter, the respresentitive said they will not investigate the payment, and my bank says it 's difficult to provide proof since the auto deduct was completed by PRMG. Now I have an outstanding balance, and fear my credit will be effected.