WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I was advised by XXXX ( XXXX XXXX XXXX XXXX ) to do an eye procedure to cure my eye problem. This procedure was not covered under my insurance, so they recommended me to 'Care Credit ' and provided me with information on CareCredit scheme operated by Synchrony bank. I contacted CareCredit/ Synchrony bank and asked them about the scheme. They said if approved I will get a credit of {$4800.00}. They said this credit will be interest free for 1 year. Based on the offer recommended by the agent over the phone, I applied for and got approved. I used the card for my XXXX XXXX and have been paying {$200.00} per month to pay off the credit debts. I conducted my XXXX XXXX on XX/XX/XXXX and have been paying back my loan ever since till now. But to my amazement, the bank charged me {$890.00} on my XX/XX/XXXX statement. This was done without giving me any warning or notice or my authorisation. Because this was done secretly by the bank I was not aware of this until recently I checked my statement for XXXX. So I managed to bring my credit down to {$1600.00}. But now they have charged {$890.00} to my debts for NO REASON WIHOUT WARNING ME. I have not received any alerts or warning. This charge was not discussed when I opened the account and if Bank had informed me, I would never have agreed to taking their credit product. I called Synchrony Bank and pleaded with them to remove the charges because this was EXTORTION and UNFIAR charges. I can understand and agree with paying interest on my outstanding credit. I believe it is fair to charge interest on credit given by bank. But what Synchrony bank has done is extortion. Even though my credit with the bank was only {$1600.00}. I was charged interest for the entire amount. This was not agreed in the first place and I will not have borrowed if the bank had been honest and upfront. I called the bank on XX/XX/XXXX. I was told there is nothing they could do because they has a clause like that in the small print that I signed online. I informed them that I was not informed about this condition and they said they 'unfortunately can not do anything about it '. I tried to explain them that the agent who sold me did not tell me about it and I was told they work like a normal bank credit card where you ONLY pay interest for your outstanding debts. I believe they hid this fact from customer such as me when they sold me their credit card and once I have fallen in the trap they charge ridiculous interest because they know that once I sign up there is no way out. I borrowed money from my relatives and paid off synchrony banks debt as I do not want to deal with thiefs such as Syncrony bank. I read reviews online and I came to know I am not the only one who had his fingers burned with this particular bank. I would like to bring to your attention that they charged me normal interest outside the 1 year no interest period that was initially agreed and I CAN CONFIRM I AM HAPPY TO pay this. But charge {$890.00} on top of that is unfair,
I am attempting to go through a short sale for my home for loss of income. Since XX/XX/XXXX i have received nothing but the run around from Bank of America. My agent and I have spent months submitting repeated paperwork that they have asked for. I have a cash offer for my home. Only to have Bank of America switch their negotiators on my agent and I twice, also having to start from scratch. We are now with a third Bank of America negotiator, who continues to ask for the same paper work over and over. She will only contact my agent through email and will not return her or my calls. If their has been any miscommunication, it could have been easily handled with a simple phone call. We have no way of speaking to a supervisor even. My house as been up for auction 3 times and was cancelled. Most recently, the negotiator gave us until XXXX to resubmit corrected paperwork that had already been corrected and re-submitted by my agent but the negotiator claims to have not received. By XXXX XXXX on XXXX she had already emailed my agent a rejection letter via email, not giving us until the end of day. Between the repeated documentation, corrections, threats of foreclosure and no Bank of America supervisor to escalate to, this has been highly stressful and I feel Bank of America is unfair in their practices.
On X/X/2017, I went on www.equifaxsecurity2017.com. I was notified that I may been impacted by the recent hacking incident to Equifax. I am aware that hackers might have my Social Security number, my birth date, my address, and my drivers license numbers.
I submitted documentation to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.
This incident happen in XX/XX/2017 and also one time over a year ago. I had a balance of less than {$50.00} with Macy 's Credit Card. I attempted to pay the full balance online and I paid either the payment due or the current balance. Even though I paid the balance before the due date I accrued less than 1 penny interest in the billing cycle and by the terms and conditions of the account was billed a minimum of {$2.00}. I complained each time and the store reversed the fee. I do n't know what would have happen if I would not have complained but most likely I would have continued to receive a fee for {$2.00} every month. 
The problem is that the minimum balance shown on the payment web page does not display 0 to 30 days of accrued interest and thus results in a {$2.00} fee even if a person selects the pays current balance option. The web pay system does not allow one to pay the {$2.00} fee in advance. My concern is that if this happens to other clients it may go unnoticed.
JC Penney/GE Credit incorrectly charged me on an old, probably inactive account and incorrectly billed me at a wrong address, per their own representative ( XXXX XXXX on XX/XX/XXXX per fax from him ). XXXX said the bills were returned to GE by the USPS as not received. 

I never received these bills. Unknown to me, my account went delinquent, and was charged off as unpaid XX/XX/XXXX and JC Penney/GE sold it to a credit collector. Upon notice from credit collector, I called JC Penney, and spoke to XXXX XXXX, their Repr., XX/XX/XXXX, who said he would pull my account back from credit collector and resolve it with me in house with documentation of a {$140.00} charge balance on # XXXX account. This never happened. 

This has adversely affected my credit and caused me to not be able to get a competitive rate to refinance our home loan under both my name and my husbands. Because of this negative effect on my credit due to this, to get a competitive rate, we had to leave my name off the mortgage loan. This puts me at a disadvantage for current and future credit needs in my own name. I have worked part time, while raising our children, relying on my husbands income. I have been diligent in keeping both our credit standings at excellent. It makes me angry that GE for JC Penney has been unwilling to correct their errors, negative result on my credit bureaus, collection and return me to my previous excellent credit. Can you help me? 

I attach the fax from GE representative verifying this, along with documentation and communication, over the last 3 years, with JC Penney/GE, credit bureaus and collection agency to no avail so far in correcting GE/JC Penney 's original errors in billing. Please let me know how to proceed and if I can provide you with any other info. Thank you for your help
On or about XXXX XXXX, 2015 at or about XXXX I receive a telephone call from Port Folio Recovery and Associates [ ( XXXX XXXX XXXX ] in an attempt to recover a debt. I at the time received the call on my cell phone while attending worship services. All of my home phone calls are forwarded to my cell phone when not at home. 

I asked the person on the other end of the line exactly who they were and why they called on a Sunday morning. The person identified herself as XXXX an agent of the company and informed me that she can call any day of the week including Sundays in an attempt to collect a debt and that she was not in violation of the Fair Debt Collection Practices Act. 

I informed XXXX that my interpretation of the law was different from hers and that I would take appropriate action to rectify this use of unrestricted power of calling an alleged debtor on Sunday morning while in worship services.
I am unable to get a lower interest rate on my student loan, which has been 10.75 % with XXXX XXXX, now Navient. If the XXXX XXXX crooks can get loaned money at basically 0 %, then I should have the capability to lower my rate.
OnXX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX XXXX XXXX   had been re-inserted an account on my credit file after it had been previously deleted. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Furthermore the company even tried changing it's name as I noticed between XX/XX/XXXX and XX/XX/XXXX, the creditor name on this account was changed from XXXX  to XXXX on my Credit Report. I have attached a screenshot.
I have had a loan from XXXX for nearly XXXX years, they sold my loan to navient. now a few months after that my normal monthly payment went from {$190.00} ish to over {$500.00} and I called them to get my payment back down to where I can afford it I get told I can afford it, and then asked if they can help me with anything else. so basically they are extorting money out of me. I can afford the payment I had before but not this high payment. and now with all these marks on my credit that are n't mine I cant even get a load from a bank to consolidate it. if somethings not done ill default on it. I need help! 

and the worst part is I 've been paying this loan for nearly 10 years and I only went to school for XXXX months. and I got nothing out of it. this is so depressing,
PNC has gotten in the practice of not posting transactions until late at night in order to charge you overdraft fees after their cutoff for transfers. My account did not appear negative until they charged their over draft fees ( 1 of which they're claiming for a {$1.00} transfer to a savings account XXXX Zero transparency in their online banking. spent 30 minutes on the phone being talked down to about keeping a check log book. I spent more money on their overdraft fees than on anything else and I'm done with them.
My student loan is XXXX I only borrowed XXXX navient just keeps giving me forbarences and deferments I have been a XXXX  in ny for 16 years and I should have had my loans forgiven. Navient never enrolled me in the program. I filed chapter XXXX bankrupcy in 2015 and navient has not removed the loan from my credit report.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that the following account be verified or removed immediately. 
A XXXX Date Filed XX/XX/2016 Type Bankruptcy : Discharged CHXXXX Reference XXXX Plaintiff
I have a Bank of America mortgage. I was behind by one payment so I called in to try and set up some type of arrangement. They put me on a plan so that I could get caught up but I was still making normal payments. They wanted me to pay an extra {$3000.00} for this payment arrangement plan. In the mean time, they put a code on my account to where all payments that I was making was being put into another account and not being applied to my account. I explained to them that I did n't want their help or arrangement. This has been 6 months now. I have to call in each time to make my payment and then call back in to have my funds authorized to be moved from the account that Bank of America set up to be applied to my mortgage. I am now being told it will be another 6 months before the " code '' is removed. In the mean time, I have to call in each time. Talking to the CSR 's is like talking to the wall. They are not helpful and you have to spell everything out to them to get anything done. They do n't care about my time or the frustration that this situation is causing me. Because the funds are in this other account, this is costing me money in interest on my loan. I would not recommend Bank of America or any FHA loans to anyone.
I have been dealing with Ocwen loan servicing for sometime now. I am currently in the loan modification process with a full complete package. While in the modication process Ocwen has a current sale date for XXXX. This is the XXXX sale date put on my house while trying get a modification. This is a violation of my CALIFORNIA XXXX. California XXXX Foreclosure Law. An attempt again to try to commit a Wrongful Foreclosure. There is no excuse that Ocwen can come with to justify this. The foreclosure notice is by a Duly Appointed Trustee. XXXX XXXX XXXX. Which does not own the debt who I would make payments to. CALIFORNIA XXXX SUPREME COURT RULING Feburary XXXX 2016 quoates that in its ruling. A BORROWER DOES NOT OWE THE WORLD AT LARGE ONLY TO A PARTICULAR PERSON OR INSTITUTION. ONLY THE PERSON OR INSTITUTION THAT OWNS THE DEBT AND PAYMENTS ARE MADE TO CAN FORECLOSE. PLEASE STOP BREAKING THE LAW NOW. No excuses. I am very for my life because of the great amount of STRESS OCWEN HAS PUT ME UNDER. I am currently under medical care for my XXXX XXXX. STOP BREAKING THE LAW.
I wrote to XXXX, Equifax and XXXX asking them to explain why my credit score was lower than it should be. Specifically, i explained that I have perfect credit, no delinquencies, no derogatoriness, exceptionally low credit use to credit available, all credit paid in full monthly, all property owned free and clear, over {>= $1,000,000}. in liquid assets, XXXX debt and in over 50 years never a charge off or any credit issue. Considering all of this I asked why I am not a perfect 850 score. I asked that they either increase my score to 850 or explain how they calculated my score, about 790-815. It seems to change monthly. They send form letters stating that your score is calculated using four main factors. Delinquencies, derogatory comments, debt outstanding to credit available and total debt, which can be to high or to low. When you call to speak to a credit representative to ask them to explain it they basically say that is just what it is. I ask that if everything is perfect then why is my score not perfect or why will they not explain where and why I lose points. My latest letter was sent on XX/XX/18. All of this is verifiable. Their own reports corroborate what i am saying. i can verify the asset numbers and can verify income, which i told them i would do if they would agree to change my score to 850 if I did.
I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.
I contacted all 3 credit reporting agencies on XX/XX/XXXX and XX/XX/XXXX to inform them that numerous inquiries on my report were due to an error. I called the company which was a car dealership by the name of XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, NC that was responsible for having my report pulled by numerous finance companies. I spoke with the Finance Manager by the name of XXXX XXXX that searched their systems and confirmed that they did not contain any information on my name or social security number. He confirmed that my information had been pulled in error and that I did not give permission for my credit to be pulled by his company. He stated that he would send in a letter to the 3 credit bureaus but when I tried to check the status of that process being completed a few days later with XXXX XXXX I was informed that he had a family emergency and would be out of work for some time. Each time I spoke with representatives at each credit bureaus they read me the same statement about " inquiries being factual data ''. I understand that but it means nothing if I did not authorize my credit to be pulled by this company which results in many inquiries being reported on my credit reports. I requested by verbally disputing, written disputes sent by certified mail, also online with each credit bureaus dispute option. After the dispute is completed I am getting the status as " verified '' which is impossible if the company has already confirmed that my information was used to pull my credit reports in error. I believe that the credit bureaus are not investigating my concern and I would like these inaccuracies removed immediately from my credit report.
I C SYSTEM XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX Have had an old satisfied debt from XXXX XXXX XXXX in the amount of {$300.00}, which was an old debt that was satisfied when I CANCELLED my pet insurance with XXXX back in XX/XX/XXXX. At the time of the debt I only owed for 2 months pet insurance of {$78.00} which I had paid when I closed the account! I have received zero communications from XXXX XXXX XXXX since, and then suddenly in XX/XX/XXXX, I began receiving notifications from IC SYstems about this debt to XXXX and of {$300.00}, which is more than DOUBLE what I originally owed. I have contacted this company twice in XX/XX/XXXX that I do not owe this debt, yet it keeps showing up under my credit. Previous to IC SYStems, it was under First Credit. I disputed this same account then, and it was dropped. I do not know what else to do, but this debt is old, was sufficiently paid off in XX/XX/XXXX - and beyond 7 years from when I originally owed XXXX XXXX XXXX. These companies seem to buy old debt that have since been written off. 

XXXX XXXX
I open two loans. Loan.XXXX and Loan. XXXX, At that time i had set up both accounts for automatic payment. I have funds in bank and can be proved. 

I never got confirmation on either of the account if the Auto Pay has been set up or not. When i log back in to my account online, they both still don't show if there is a Auto Pay set up. 

I had then called the customer Service and was assured that all is in working order and nothing to worry about. I now found 30 Day Late being reported to my account.
XXXX : XXXX : EXPERIAN The heck is going on. Ive contacted you guys time and time again since XX/XX/XXXX. Youve removed the fraudulent accounts but I dont know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and Im only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX. REMOVE THE LISTED FRAUDULENT ACCOUNT WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. I am unaware of what this is and Ive mentioned that within the past few months. The inquiries that are unrecognizable and that Im unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNT LISTED AND INQUIRIES LISTED AS WELL. I dont want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and Ive asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
SYNCHRONY BANK XXXX. XXXX, XXXX, XXXX fraudulently opened a new credit card account without our consent, authorization, or permission. 
New cards were sent to us on XXXX XXXX which we destroyed and did not activate. Synchrony accepted {$7600.00} in fraudulent charges from a merchant that we did not and could not have provided a valid card number to because we never entered the card number for anything! 
SYNCHRONY apparently was provided confidential private financial information by XXXX XXXX XXXX without our consent or authorization.
This is an ongoing issue with the Mortgage Company. I have never missed a payment, however Ocwen continues to show my mortgage as being delinquent. They continue to add an Escrow account stating that insurances were unpaid. About a month ago, when we seemed unable to resolve, we called Ocwen with our Insurance representative on the line. At that time Ocwen agreed that our insurances were paid up, we were not past due on anything and they returned an overage amount that we both agreed they owed us. To date, Ocwen still has our loan listed as due for XXXX. They are saying the last payment was received was XXXX/XXXX/XXXX and next payment due is XXXX XXXX, XXXX. They returned am amount equal to the monthly mortgage payment in XXXX. We have never missed a monthly payment and have our bank statements to prove this fact. This has been an ongoing problem with Ocwen and we have wasted time and money trying to settle these challenges.