WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a sears mastercard under a promotional offer. I rarely used the card. I made a {$25.00} purchase. I always pay my bills on the first of each month. Apparently this card had due date of XX/XX/XXXX. They posted the receipt of {$25.00} on XX/XX/XXXX. The following month I received a late fee of {$27.00}. I called in and requested the fee be waived and I closed the account. There was XXXX outstanding balance on the card. I assumed the card was closed and the fee was waived. The following month I received a bill for an additional {$41.00} fee. The total I now owe : according to sears : is {$68.00}. I called Sears and explained they had waived the fee and I had closed the account. Sears said they could waive the {$2700.00} fee ; but I still needed to pay the {$41.00} fee. I wrote a letter and explained the situation. I just received a response that stated " We received your request for a fee credit on your account. We are unable to credit your account for the late fee because it is valid. '' I am guessing : that the fee will continue to mount until I pay the fees.. This is a unfair practice. Sears received their money and I closed the account. I have no plan to pay any of their excessive fees. I will never purchase anything from sears, or citibank mastercard. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. XXXX Thank you, XXXX
I applied for a cash out refinance on X/X/17. I stated my home was worth {$200000.00}, but the appraisal came back at {$190000.00}. Originally, the loan amount would have been {$160000.00} and we were going to pay off four credit cards in the amounts of {$9100.00}, {$6500.00}, {$5300.00}, and {$4700.00} and receive {$2900.00} in cash back. After the low appraisal, the amount was changed to {$150000.00} and only three credit cards to be paid off. I spoke to XXXX, loan officer, after the appraisal was received. He stated not to worry because I would be getting an escrow refund for around {$3500.00}. When the redisclosure package was uploaded it showed the three credit cards being paid off and {$5800.00} in cash back. I spoke with XXXX, who said I would get {$5800.00} cash back and then a refund a couple weeks later for escrow in the amount of {$3700.00}. I asked if he was sure ... ..he restated it. When I got a call to set up closing, I asked about the numbers again. The agent on the phone said that I was not getting an escrow refund, because it was used to pay down the amount owed on the home. I called XXXX  again. He told me " not to worry '' and he " did n't know what they were talking about '' and that he was looking at it on his screen. He said he would get it fixed. When I got another call to close, I was told I was getting {$2100.00} cash back and an escrow refund. I called XXXX  again. He emphatically apologized and told me he would get his director to fix this issue. He again stated I would get {$5800.00} cash back and an escrow refund in the amount of {$3700.00}. XXXX called me on X/X/17 and said that he was wrong and apologized. I asked him to make this right and he said that he would have his manager call me. Today, I got a call from the escalation department ( XXXX ). When I explained the issue, and asked to make it right and issue a credit in the amount of {$3700.00}. He said that Quicken was not a used car lot and that a credit in that amount " would not happen ''. I asked to speak with her supervisor and am waiting on a call back. XXXX was very rude and his tone quickly changed when speaking with me. I really doubt that Quicken will go bankrupt if they issue a credit to make this right. I am not in the wrong. I explained everything every step of the way and was mis-led during this process. This is not right.
This debt was thrown out of court, XXXX had this debt for XXXX credit cards and what they did was combined the XXXX together and brought me to court. Judge threw out the case due to improper documents, the bottom line was i had XXXX insurance on this debt and the debtor being XXXX household financial did n't honor my XXXX insurance after i gave them all the documents required they sold debt to XXXX when the credit card company should have honored my XXXX that shown documents that i paid {$4.00} a month foe insurance on both them accounts. So portfolio had both debts sold to them and they combined together in court was dismissed but XXXX still shows XXXX of the XXXX debts
I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. 

XXXX XXXX has responded to my previous dispute saying that they deleted the inquiry and that they would not respond to any more disputes because they had deleted it. It is not deleted. It is still being reported on my Experian report and I have contacted Experian and was told that XXXX XXXX has NOT informed them to delete the inquiry. The inquiry date is XXXX/XXXX/XXXX.
I have a XXXX email account where much of my personal business was transacted. Since XXXX of this year, if not sooner, I started to received fraudulent, hacked alerts for accounts utilizing my social Security number, name, address stated I have accounts and out money On XXXX/XXXX/2016 also have an inquiry from XXXX. I have had this problem before and would like this inquiry removed from my consumer credit report as part of this anti-ID theft action I an taking to protect myself.
I currently have   XXXX   inquires on my credit report that I have not given consent to.
1. On  XX/XX/XXXX    XXXX   XXXX   XXXX     XXXX   XXXX  , Fl.   XXXX   2. On  XX/XX/XXXX and  XX/XX/XXXX  Creditor contact details  XXXX    XXXX   XXXX  , Ca.   XXXX   3. On XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  4. On  XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  5. On  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , Ca  XXXX
I am getting really frustrated. I have not checked my credit report in years. I went on to see I have XXXX medical collection accounts through American Adjustment Bureau. I have filed a complaint because I never received any kinds of statements from these companies saying I owe them money. I have NOT received anything from this debt collection agency. I have asked them for copies of the original bills so I can verify these are even my bills. I 've asked them to remove from my credit reports to give me a chance to verify. I 've asked them to send me these statements with dates and still have not received them. Instead they went in on my reports and updated the information to the current dates. I 'm very upset and think this is unfair to me. I 've contacted them again trying to get these documents. I 'm ready to go somewhere else where I can report them. I just had another company try to take advantage me for almost XXXX dollars and it turned out I did NOT owe this money. So I need these documents so I can verify the information.
received letter from Barclays XXXX XXXX XXXX XXXX DE XXXX on XX/XX/2018 letter dated XX/XX/2018 letter states that they have pulled a credit report from XXXX   consumer reporting agency and that the reporting agency with report they have lowered my credit limit and the reasons they give have nothing to do with being late nor information that they listed on the report. nothing has changed since i applied for credit card and also have had the credit card for years all ways paid on time no lates paid card off several times to XXXX   1.balance and they even showed the following : which i find isn't correct 2.deragatory public record or collection filed= which i have none 3.proportion of loan balances to loan amounts to high - which this card balance is higher now due to getting a cash advance to purchase home in florida 4.proportion of balances to credit limits too high on revolving accounts- this is very untrue 5.length of time accounts have been established- same amount of time on accounts with some new accounts and paid off items. 
in addition they lowered and pulled credit report which made score go down and they state its because of that as well. 
I am very concerned as to why this was done especially when i have never been late nor misused this credit card, ( my husband had barclay card as well and they sold off his account to XXXX ) so this is just really difficult to understand why after all these years and charging the card up and paying off and no lates they are lowering my credit line? and adversely affected my credit score by their decision when i haven't done anything to deserve the way they have handled this for " What Cause '' I find this is fraudulent and unfair as to their practices and card holders are ones that suffer the consequences of having a card with them.
In XX/XX/2018 I learned that a payment that I sent to Synchrony for Care Credit through my bank wasn't received properly. So I noticed that the company offered a multipay option. I knew the payment due date was the XXXX of the month, so in XXXX I scheduled a payment for XX/XX/2018 for the XXXX payment, and another payment XX/XX/2018 for the XXXX payment, and scheduled payments for the XXXX of each month, scheduling payments sufficient to pay the entire balance. 

I logged into the account and noticed the balance was higher than it should have been, and that is when I realized that I was being charged a late fee for each month since XX/XX/2018. I made a payment XX/XX/2018, for the XXXX XXXX payment, but it wasn't credited to the account that way, and instead the company is showing the XX/XX/2018 payment, and a late fee. This continued for the XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and the XX/XX/2018 payments. 

I have reached out to the company about this issue and they will only remove 1 late fee, but with a {$38.00} late fee being charged every month, they have charged hundreds of dollars in fees for issue that started when I intended to make my payments early several months ago.
This complaint is in reference to previous complaint : [ Case number : XXXX ]. 
Citibank has address my dispute in a capricious manner. After submitting a dispute for XXXX charges fraudulently submitted on my credit card, Citibank has only XXXX of my disputes. Although was told that I would be notified my mail I was notified only by web notification and given only 10 days for my reply. XXXX of their documents had no option for describing the circumstances of my dispute.
XXXX XXXX XXXX has made it their Standard Operating Procedure/practice to place borrower 's partial payments in 'suspense ' ( i.e. delay application to the borrower 's obligation ). I just spoke ( XXXX/XXXX/15, XXXX XXXX Mtn ) with their Representative that confirms this both specific to my account and broader to all XXXX accounts. 
XXXX XXXX, 2015 I wrote to XXXX stating my instructions for partial ( and overpayment ) payments. This mailing was sent/confirmed by USPS certified. More specifically, I requested funds not be held in suspense, but rather applied immediately for principal reduction. Today, by phone, the Representative states that this is NOT happening on my account, but rather XXXX continues to place partial payments in suspense. I stated for the Representative that my complete intention of partial and/or overpayments were for the purpose of me to save/escape some interest expense over the life of the loan ( XXXX is aware of this! ). In my opinion, FirstLand and the like should be severely fined for such disregard of the consumer. Had I known that I would be subjected to such practices, and the onus be on me/consumers, I would have worked to find/control more reputable lending. 
Respectfully, XXXX XXXX, XXXX. XXXX XXXX, NM XXXX XXXX XXXX ) XXXXXXXXXXXX
This account was placed with XXXX XXXX XXXX XXXX and I settled with this for 25 % of the balance {$5600.00}. This account need to be closed as Settled in Full in Barclays system as well as on my credit report. I have a settlement letter from XXXX too!
In XXXX XXXX 2017, I noticed a collection from XXXX for {$590.00}. I had to leave my home due to a divorce, and my husband never gave me my mail so I didnt know a medical debt existed. When I discovered on XXXX I paid it immediately!
Someone at this number left a few automated vm saying to call back to avoid repercussions. I called back, They told me the last XXXX of the ssn they had on file stating they are collecting for a loan - think a payday loan, however .... they can not or will not tell me who the original lender supposedly was. Said I owe {$550.00}. I can offer them a settlement. They have my cell phone # and last XXXX of my ss # and said they know I have a bank account at a credit union. I have asked them if I find that it IS a valid loan and I pay this - - how do I know they wo n't come back with another XXXX. He said he ca n't guarantee that since they do n't know the lender? How can they collect on an unspecified loan? I cleared up the few nightmare payday loans I had taken out in XXXX 
Thank youCaller is " XXXX '' @ XXXX
I am attaching a letter that my husband and I sent to XXXX and Experian on XX/XX/2018. With this letter, we requested that errors that appeared on our credit reports be investigated. The credit bureaus are supposed to conduct investigations and respond within 30 days. My husband, XXXX, received his responses weeks ago. However, I have yet to receive MY investigation results. I have also sent follow-up letters to XXXX and Experian a couple weeks ago, and those letters have also been ignored.
XXXX XXXX XXXX have failed to investigate matter accurately. These items where disputed last year and early warning failed to provide accurate proof of items upon request. Instead of providing items that pertain to the Compass Accounts XXXX & XXXX compass gave a blanket reason for a matter pertaining to a business account under a tax id and not a personal account. The also deflect the matter to non working compass number where no one responds to call or voicemails.
I have my XXXX XXXX XXXX American Express ( AE ) card for over a year, and I always paid the balance in full and on time. However, I missed the payment of {$1800.00} on XX/XX/XXXX deadline, so I immediately made a full payment of {$1800.00} on XX/XX/XXXX. 

The 2-day late payment cost me {$88.00} of interest charge which I could not believe it. I contacted AE customer service ans asked why it 's so much for 2-day interest and was told that it was based on 18.75 % APR ; however, it should have never been that much, even the customer service advised me it seemed very high! Subsequently, I was charged another interest of {$73.00} on XX/XX/XXXX for the same late payment on XX/XX/XXXX. Again, I contacted AE and was told there 's nothing they could do to reverse the charges because everything was done by computer. I was so outraged and wanted to cancel the card ; then, I was advised that I would loss all the benefits and points that i have earned last 12 months if I cancel my AE card. So I have no choice but to keep the card untill I use up all my benefits
I filed a dispute with XXXX in reference to a debt collection company called Diversified Consultants and the results of the dispute stated that the debt was verified. In the dispute letter that I sent to XXXX I speciaffically stated the following : " Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately ''. According to letter I sent and the law they are to provide me with a original contract and I have not recived it. XXXX reported that is was verified and that the company was not required to send them any documentation verifiying the debt. I then contacted Diversisfied Consultants and they said that they did not have an original contract and that they did not have to provide the contract to me or the credit bureau. According to the FCRA it is required by law by the collection agency and XXXX to provide the original signed doucuments proving that this is my debt. All I want is the proof and if they can not prove this is my debt I would like it to be deleted from my credit file immediately.
On Monday, XX/XX/XXXX I received a notice in the mail from Experian alerting me that " within the last 30 days, changes to your name, address or Social Security Number have been reported to us by a creditor. '' This notice was sent pursuant to my request to place a security freeze on my account. It listed phone numbers and a web address to obtain a personal copy of my credit report. The phone numbers listed, as well as several others found online, led through a maze of recorded messages that would not allow me to request a copy of my report or to speak to a human for further information. Online, I logged into my Experian acct, requested a copy, and received a message that " a condition exists that prevents Experian from being able to accept your request at this time. '' I found a different page on the Experian website with an address to request a copy via mail, but no information whatsoever on what to send to make that request. I then logged onto XXXX and tried to retrieve my report there. I received an error message when requesting a report from Experian, which included the same phone numbers I had already tried. Those numbers do not lead to an option to obtain a credit report, other than referring callers to the webpage. I then tried to request a copy from XXXX. I again received a message that this request could not be processed online, though the Equifax page at least included a link to a form that could be mailed in. However, that link goes to a form which is not downloadable as a .pdf or any other format I can print and fill out, as far as I can tell : XXXX XXXX XXXX. 

I am unclear how I am able to obtain a copy of my annual credit report from any of the three major agencies. 

Additionally, I am concerned that there was at least one typo in the letter from Experian and the letter head looked less than official - red flags that it is not genuine.
Care Credit Synchrony Bank - can not make payment through automated system-rarely been able to bee advised in writing they have removed fees and charges but the balance never goes down. I have a balance of {$2200.00} for months. Asked to speak to Call Center Supervisor. Cust XXXX- Care got someone in Collections- sorry can not transfer you. [ XXXX ] XXXX Badge XXXX - Made payment! Confirm # XXXX XX/XX/XXXX {$110.00} They continue to call as " UNKNOWN ''. Do not know if tel spoof or what! Just have them post what they promised earlier-
On XXXX XXXX I applied for a cash out equity loan for XXXX. During the process of the application I paid XXXX Dollars for an appraisel report on the collaterialized property ; said property is unoccupied investment property. A 5per cent intrest rate was quoted by the loan officer that would expire on XXXX XXXX 2017.Ipaid the XXXX dollars to Whitney Bank on XXXX XXXX. On Thursday XXXX XXXX I was told by the loan officer the report from appraisal as property in " fair condition '' .According to loan officer the underwriter needed property to be in " average condition '' Today I was told { three days before my interest rate would expire } the appraiser would not update property from fair to average because utilities were not on. I was not made aware of these requirements for loan approval otherwise the 45 days that passed from start of loan application I would have had these requirements addressed.
On XXXX Seperate occasions my Name and info were used to apply for XXXX/paypal credit In XXXX of XXXX and again in XXXX of XXXX, I called XXXX to explain that a family member was using my computer and made thos inquiries by mistake trying to set up there own paypal accounts. I asked that they report to XXXX that these inquiries were n't made by me, i spoke with four different people and they all refused to assist me in removing these inquiries.I have also faxed them the documentation stating that i did n't make or authorize anyone to apply for credit in my name. I believe that these credit inquiries are fraudulent because they were n't made by me I do n't want or need credit thru paypal. Please assist.
XXXX XXXX XXXX failed to post my mortgage payment. I was notified via telephone by an agent of Walled Lake Credit Bureau , LLC, that I was delinquent on my mortgage payment and they demanded payment. I contacted XXXX and found out that they had made an error on posting my payment. The matter was cleared up. I again received phone calls by agents of Walled Lake Credit Bureau demanding payment. I explained to them it was a banking error on the part of XXXX. They refused to accept this explanation and demanded payment. On the next phone call and every phone call afterwards, I disputed the debt and requested copies of their records substantiating this alleged debt. They refused to provide anything. I received correspondence via US Postal Service from Walled Lake Credit Bureau ( WLCB ) LLC, XXXX XXXX XXXX XXXX, Collection Manager, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX stating that I was delinquent on my mortgage payment and they were demanding payment and penalty fees. I again contacted XXXX and again they told me that I was current and had no idea why these people were continuing to harass me. On every notification I received from WLCB, I immediately responded in writing that this Debt was " in dispute '' and requested copies of their documentation substantiating their clients claim. Each and every time, they refused to co-operate and send me my requested copies of their records. They kept telling me to take it up with the client ( XXXX ). Each time I contacted XXXX, they stated that I was current and had no idea who or why these people were harassing me. This practice continued for several months. On XXXX XXXX, 2015, I sent WLCB, LLC a letter notifying them that I believed they were violating my rights and that they are dealing in bad faith. My letter clearly stated : " I need to hear from you regarding this matter so I can bring closure to this matter. If I do not hear from you, I will be forced to exercise my lawful rights. '' To date, they have failed to respond.