WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a credit card with XXXX XXXX XXXX in order to establish credit. After using it and paying it off for a few months my credit was in a good spot and I was able to open a credit card with my regular bank. I no longer used my XXXX XXXX credit card and did not think much of it. 

When I got orders to XXXX I was attempting to get a home loan so I could purchase a home and was told that I was declined due to late payments on a XXXX XXXX credit card. I looked into the account and found out I had been charged an " Annual '' fee monthly from XX/XX/2018 through XX/XX/2018. I was then charged interest and late fees on these " Annual '' ( Monthly ) fees. I had not been charged anything XXXX through XXXX, nor had I used my card since XXXX or XXXX. 

I contacted the company and after much difficulty and back and forth they finally agreed to remove all charges and re-report it to the credit bureau. I have statements showing that they credited back my account and I owe XXXX dollars and also closed my account. However, they still reported me as having a late payment in XXXX. I contacted the company again today and instead of being helpful, they gave me the runaround, told me there was nothing they could do and I could contact the CFPB. 

I believe this is an extremely shady business practice. After someone stops using the card for about six months and can be reasonably assumed to not be paying too much attention to it they start charging people monthly and tacking interest and late fees onto these payments. When I got in there I owed almost {$100.00} on a credit card I had not used in six months. When I spoke to them they were very difficult and were fighting me tooth and nail to not remove these fees. They would continually tell me " Oh I can only remove one late fee, '' and then I would be persistent and all of a sudden they can remove two late fees and one of those " Monthly/Annual '' fees. I had a 15 minute back and forth with someone with what the definition of the word " Annual '' means. When I was finally put through to a supervisor they agreed to clear everything within about two minutes, which tells me this is the business practice ; Try to get people to pay them anything they can get on credit cards they are not even using. 

I am a member of the armed services and this is affecting my ability to get approved for a mortgage which means I am going to have to either eat the cost of a temporary living situation until this gets resolved or go a different direction. 

I could not more highly recommend to anyone to steer clear of XXXX XXXX XXXX.
In XX/XX/XXXX Phoenix Financial contacted me about a medical bill after the very rude representative gave me the information I explained to her that another collection company tried to collect on this same Debt in XX/XX/XXXX and that original bill was only {$100.00} and it was paid in full. I still have the letter that I requested from XXXX that I sent to the first company, I can fax to you. She was very nasty and said we will see. I faxed her the letter dated XX/XX/XXXX along with a copy of my medical claim from my insurance company showing the original amount was only {$100.00} not {$410.00}. She informed me they brought this debt and I stated you brought bad debt because this never made it to collection and it was paid in full. I dont know how you all even got my information l. The original company was not a company that XXXX Maryland states they used for collections XXXX Maryland states they never heard of them. I also sent a second fax XX/XX/XXXX.
I have a credit card reporting on my credit bureaus as a derogatory account. This account was included in my Chapter XXXX bankruptcy in which I listed it in my bill of matrix. This matter should have been removed once my BK was discharged. It is still showing on my report
I used to live in XXXX of XXXX XXXX apartment at XXXX, NJ with my friend since XXXX XXXX to XXXX XXXX and joint the XXXX, but before I left I went to talk to the manager to remove my name and everything from that apartment. She did everything and I also signed all the paper, so my friend only live in that apartment. Then now as XXXX XXXX XXXX I have collection debt as {$2200.00} from nowhere. How do I left the apartment without any debt and now after 2 years I 'm having one. I always pay my rent ...
RE : XXXXXXXXThere is a real problem with your system because CFPB does not provide any means to communicate with the agency for an ongoing complaint. This is a response regarding a communication from Wells Fargo for the above referenced complaint. 

Wells Fargo is once again lying by stating that it has not been able to contact me. In fact, I spoke with their representative on XXXX occasions since filing the complaint and have been in constant contact with the single point of contact. In the conversation with their executive office representative, he indicated that he could do nothing but review documents from the modification. They refuse to do anything to address their years long refusal to refinance this XXXX mortgage and repeated attempt to force me into short selling my home even when the XXXX mortgage is current and the owner of that mortgage has no interest in foreclosure. 

Someone from CFPB needs to actually step in here as this has been going on now for over a year. I have yet to see the agency do anything more than pass complaints on to Wells Fargo. Where is the consumer protection here? 

Thank you.
I have continuously tried and been promised by this company to be left alone regarding this debt. I believe my lawyer even submitted in an affidavit and it continues to sit upon my credit. This company has no respect for the law or the FCRA laws CPFB and with the attempt to do To protect the citizens of this country from what is basically extortion
I have XXXX credit cards with Capital One. 
I have always been given a credit line increase every six months for the past 4 years or so. 
This month I should have been given a credit line increase on XXXX of my cards. 
They denied me of any increase. They were extremely vague about the reason, they only said that you have to make a higher payment. No one in their office can justify this at all. 
And they said that I can not talk to anyone in that department that authorizes credit line increases. They have no idea how much of a payment that I should make. They have never done this before to me, ever. I want a credit line increase now. They should not be allowed to treat customers so unfairly, and have no contact for us to speak to.
I owed {$160.00} to XXXX XXXX in XXXX Texas. It was sent to Optimum Outcomes for collection. The insurance finally got worked out and paid me so I immediately paid XXXX XXXX with my debit card. I 've sent proof of this with the payment receipt transaction number from the hospital to Optimum Outcomes but they continue to send me collection letters and will not remove the item from my credit reports.
I believe the federal Student Aid, US Department of Education and FedLoan Servicing are utilizing deceptive trade practices when borrowers consolidate their federal student loans. The reason behind is allegation is as follows : 1. When consolidating federal student loans they do not provide any type of Truth In Lending documents. They do not even provide the payment amount per month until after the right to cancel passed ( 60 days ). Once I realized that I could not afford the payment I was passed the cancellation date. Now I am stuck with a student loan payment that I can not afford. <P/>2. In the federal student loan online consolidation system it allows the borrower to check the box for an Income Based Repayment, regardless of whether or not your loans qualify for this type of repayment. This is a flaw in their system. <P/>3. Poor information is conveyed both verbally and through the website about the affects of consolidating Parent Plus loans into other federal student loans. We contacted Student Aid.gov and spoke with them prior to the consolidation and were not warned about the differences in payments between and IBR and an ICR. The website is not clear either.
I was refused a Mortgage to buy a home XXXX XXXX 2017 by Van Dyk Mortgage-XXXX. They used XXXX XXXX and XXXX to base their refusal. My credit scores are not high enough according to their guidelines. I have been working at the same job for nine years, my credit card payments are 100 percent on time and My rent has been paid on the first of the month for 9 years straight at the same residence.. My income to debt ratios are fine even though I have maxed out my credit cards do to 5 XXXX in the pas 3 years. Why should I be refused to buy a home which actually would make my mortgage payments lower than I am currently paying for rent. One of the reasons for denial of loan was delinquency of payment which is untrue because my credit report shows 100 percent on time payments Sincerely, XXXX XXXX
I have endeavored to call Equifax to no avail ... the inquiries are unauthorized and should be removed ; I contacted creditor and received apology, but was told that bureau would have to remove inquiries I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
My HELOC with XXXX Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years XXXX last six months of statements are enclosed ). In XXXX I filed a complaint against XXXX Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for XXXX Bank dated XXXX/XXXX/XXXX XXXX letter enclosed ) saying that they would take care of it. I disputed this response because although XXXX Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted XXXX Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone. 

I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period. 

The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with XXXX, a division of XXXX Bank XXXX. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX XXXX letter enclosed ). The HELOC was then transferred back to XXXX XXXX effected XXXX/XXXX/XXXX XXXX letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that XXXX XXXX was now XXXX Bank XXXX letter enclosed XXXX. 

ACTION NEEDEDThis HELOC with XXXX Bank should be reported as open with a 10 year credit history. 

Under XXXX XXXX XXXX XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : XXXX 1 XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in XXXX XXXX XXXX for violation of my rights under the FCRA naming XXXX Bank, and the XXXX credit bureaus.
I am being billed for a Stafford Loan taken out by someone with my name in XXXX of 1987. The loan servicing agency ( Fedloan Servicing ) told me that the loan was taken out for a student at XXXX XXXX School ( I am not sure of the spelling ). This could not be my loan as I was XXXX at that time and have never attended this institution. I have contacted the agency and they are unwilling to work with me, suggesting that I obtain a police report for something that happened to someone else thirty years ago.
This complain is based on the fact that I shell not pay for transaction which are not mine. I have had over 20 years long relationship with CHASE Credit Card and Private Banking and have had no similar disputes in the past. I pay my statement amounts on time and in full with understanding that when there is a disputed charge or an unauthorized charge banks are obliged to follow certain legal standards and pursuant to Fair Credit Billing Act ( FCBA ) : ( sic ) ... '' Credit Card companies must resolve dispute within billing cycles ( but not more than 90 days ). '' - If not they can not collect any disputed amount ''. 

As you can see form the attached letters, after previously speaking on the phone with the CHASE representative on XX/XX/XXXX I informed again CHASE Bank Card Service, this time in writing, that I did not recognize specific charges listed in the attached XX/XX/XXXX letter. After failing to acknowledge the dispute, issue provisional credit and start due investigation more than 100 days, CHASE XX/XX/XXXX issued the credit in the amount of {$8600.00} and this credit can be seen on the attached statement. Without providing any explanation CHASE then took away the credit and made the Fraud Department representatives VERY HARD to reach. 

Run around and obfuscation was unacceptable. What I experienced during multiple, long holds and transfers around was horrible and it went as far as using low paid employees to bounce you form one level representatives to another whereas those would demanded that I " verify public record '' information that I never gave CHASE but CHASE obtained god knows how and demanded that I verify those before I can be transferred to Fraud Department. For more details please see My XX/XX/XXXX letter. For example it took me more than 6 calls and voice messages to reach XXXX XXXX XXXX ext XXXX before she returned my call, but not before I threaten to file the complaint with the XXXX XXXX XXXX. Prior to me saying this in my message, she just chose to ignore me. XXXX XXXX NEVER provided any documentation that would in any way indicate that any of the mentioned charges, which CHASE credited XX/XX/XXXX were mine or in any way authorized by me. CHASE failure to properly start, conduct and complete the investigation and their failure to provide any supporting documentation within the time prescribe by law or even after is the reason why I demand that CHASE issue {$8600.00} credit to my account as I paid under protest that amount to avoid negative impact to my credit as CHASE did not issue the credit when I made report, which my understanding is they should have under the law. Comment made by XXXX XXXX on XX/XX/XXXX that charges that was rebuilt were validated, are flat out lies. The true fact is that my request to CHASE to provide records showing that any of those charges are mine or authorized in any way by me were ignored. 

Accordingly, I am filing this complaint with request for resolution in the form of full credit in the amount of {$8600.00} and if CHASE has any records that any of the unauthorized charges were mine, CHASE is welcome to provide them to you as I received NONE. 

Sincerely,
I bought a reloadit pack from Blackhawk network. I am trying to add {$500.00} from their website to XXXX of my netspend cards and both cards are coming up restricted on their end. I have a total of {$1500.00} worth of reloadit cards that I need to use to put money on my netspend card. Both companies are saying it 's the other. I just need this figures out I leave for a vacation at the end of the week.
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
OnXX/XX/XXXX I purchased a vehicle from XXXX XXXX which had a loan that was secured by Santander Consumer USA.
On XX/XX/XXXX I contacted Santander Consumer USA to voluntarily relinquish the vehicle, as I was unable to fulfill the terms of the loan due to financial hardship. I was informed by the representative that they would contact me prior to picking up the vehicle from my residence.
I was contacted by a representative of Santander on XX/XX/XXXX. At the onset of the call the representative asked if I was still unable to pay for the car. I responded that my circumstances had not changed ; the representative abruptly ended the call without saying anything further.
I was contacted by Santander on XX/XX/XXXX informing me that the car would be picked up from my residence on XX/XX/XXXX. The car was picked up as scheduled on XX/XX/XXXX. After the car was retrieved from my residence I have not received any further communication, neither verbal nor written, from Santander Consumer USA regarding this loan.
On XX/XX/XXXX I submitted an application for housing, and to my surprise I was denied. I was informed that I was denied due to a collection account that was in excess of {$8000.00}. Upon review of my credit report from XXXX, the collection account is from Santander Consumer USA, in the amount of {$8000.00}. I have never received any notice ( written or verbal ) regarding an outstanding balance or that the account was escalating to collections.
Under the Fair Debt Collection Practices Act, section 809 states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different of this from the current creditor.
Based on the foregoing information I am requesting an immediate investigation of this incident and the unfair collection practices of Santander Consumer USA.
On XXXX/XXXX/XXXX at around XXXX XXXX I received an alert that my credit had been pulled by XXXX XXXX XXXX. I promptly called TransUnion and after not being able to get help the first time, I called a second time. During the second call, I placed a fraud alert on my profile and asked that the inquriy be removed as it was not authorized by me. The representative gave me the phone number XXXX to call XXXX XXXX. When calling this number it goes to XXXX. The rep for XXXX XXXX l gave me the number to XXXX XXXX XXXX, but when calling this number, they were already closed for the day. When I called XXXX XXXX XXXX back and tried to ask questions, the representative was acting as if I was XXXX in trying to find out what/who XXXX XXXX XXXX is. She just kept saying over and over that " They are a separate company, you will have to contact them. '' It is ridiculous how much of a run around I received due to an unauthorized hard inquiry being placed on my credit by XXXXXXXX XXXX XXXXl at XXXX XXXX XXXX, XXXX TX. I did NOT authorize this company to run my credit report for any reason and I would like this inquiry to be removed from my report by XXXX XXXX XXXX and or TransUnion.
An employee of  Leviton Law Firm ,  XXXX   XXXX , under the supervision of " attorney ''  XXXX   XXXX   XXXX  continues to email me and other employees after being requested in writing to cease and desist. He originally emailed on    X/XX/17   de manding {$120000.00} and all of our corporate documents. The CEO requested that he cease and desist on   X/XX/17    .  XXXX  emailed again on   X/XX/17   demanding to come to our office and make copies of corporate documents. This debt is inaccurate and  XXXX  shows no desire to follow the law.
Dear Sir/Madam This is the complaint number seven against XXXX please be noticed many many time i sent to XXXX there two Unauthorized Hard InquiryXX/XX/2018- XX/XX/2018 XXXX XXXX ( SEARS ) and all responding from XXXX  Mentioned that ( inquiries are a factual recorded of file access. if you believe this was unauthorized, Please contact the creditor. CitiBank Na, XXXX XXXX XXXX XXXX XXXX   SD XXXX so i had contacted many time and received a letter to remove this unauthorized hard inquiries so what i have to do then XXXX ask me if you believe this was unauthorized, Please contact the creditor and i did many times and received a letter from them to remove this hard inquiries and XXXX don't want to remove this Unauthorized Hard Inquiries