WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2016 I made a purchase on my Macy 's store card. Within the next two billing periods, I paid off the balance, and did not use the card again. I rarely used the card in general, therefore did n't have need to constantly check the website. In XXXX I began receiving increasingly more phone calls about an uncollected debt. After calling Macy 's Credit and informing them that I paid off the balance, they informed me that somehow a small charge of interest was made to the account that then began accruing late fees. They told me that they would take care of the fees, and agreed that I had paid off the balance, and the account would be back to XXXX. Fast forward to XXXX, and the exact situation occurred, where an interest charge was added to an account balance of XXXX, and late fees had accrued on it again. I explained the situation all over again, and they reached the same conclusion. The error was on their part, and they would reverse the fees, and this time, I closed my Macy 's account completely. I had them send me letters of confirmation of account closure as well as to the credit bureaus to inform them of the error Macy 's Credit had been making to my credit. Now again in XXXX, I received more harrassing calls saying that my account was past due and I owed more than {$150.00}. In reviewing the statements, I see that the exact same situation has happened again, and Macy 's has continued to blatantly disregard my credit and time. The most recent offense shows that they did not in fact remove all of the late fees in XXXX when they said they did, and the amount that was left on the account accrued late fees again, which led to more harassing calls on an account that is now closed, and had promised to me to have been resolved. I keep having to call their customer representatives for them to just tell me that they see exactly what I have been saying all along, that the balance was paid off long ago. This vile attempt to collect fees, and harassing me continuously is unjustified, and horribly apparent that this scam that they are perpetrating to collect more money than ever spent in their stores is grossly wrong. I am so tired of having to deal with this, and were it not for my diligence in the matter, I know they would continue to try and bully me into paying them more undeserved money.
I applied for a personal loan through the online site 'Mr Amazing Loans ', and as part of the prequalification phase, the site attempted to get me to enter the Username and Password for my checking account at XXXX XXXX . I already provided my bank 's routing number and account number on the previous page. I have never been asked by any financial services site to enter my Username and Password for an account at another non-affiliated institution. I 'm certain there must be some regulations prohibiting this type of conduct. I would kindy ask the experts at the CFPB to look into this matter. This type of personal information should never be requested by any online site. Thanks
I have had an account with American express and it was a charge card which I was not familiar with how it worked. They asked me for multiple payments of 10 % on the balance and they still charged the account off and it is impacting my credit score negatively along with them putting it into collections. I received a letter from American Express stating that if I paid off the balance I could receive another credit account with them. I am not interested in another account with American Express at this point in time. I would only like to pay the amount that is owed. I called and asked for help and no one at XXXX seemed to be remotely interested in helping me get the issue resolved. I was transferred multiple times and told that no one could assist me. I manage my credit responsibly and I have never had a late or delinquent payment. They did n't seem to want to work with me and I had to come here to seek help. I am willing to pay the entire balance and I have informed American Express of my intentions. The representatives on the phone that I spoke with most recently were very rude and unwilling to provide assistance.
Roughly around XX/XX/XXXX I was behind on my monthly payment and I set up a payment arrangement with Conn 's and they accepted it and said once it cleared they would defer my payment and I thought that was the end of it after the transaction cleared, but they continued to call constantly 4-5 times a day. I asked them to stop the frequent calling I was actually trying to recover from a XXXX XXXX and the calls stopped for a while and then started all over again. So now in XX/XX/XXXX I am experiencing the same thing 4-5 times a day maybe more from different numbers which is now getting ridiculous! I've made another payment arrangement divided into 2 payments 1st one has cleared the other one is due on XX/XX/XXXX but in between the payment arrangement the harassing calls continue.
I have been trying to convince Transunion that a collection adverse account has been incorrectly reported on my file and they keep saying that the company reported the collection is the one that they will listen to. They mention that they lunched an investigation and their investigation has found that the company correctly reported the account. 
They refuse to tell me how they conduct the re-investigation and though they promised me to send all the papers related to the investigation and all the evidence related to the case, they never did. All I get is a copy of my credit report. I have repeatedly told them that the name on the collection account is not my name but instead of using this information, I just found that they have added a new version of my name, the wrong one provided to them by the collection agency. They also added a phone number that does not belong to me. 
I feel that Transunion also side with the company reported the account and they do not want to listen to my repeated request that the account is bogus and does not belong to me. 
I had to spend a lot of time again to convince them to reinvestigate and although they agreed at the end, I believe it will not be taken seriously nor they will send me all the paper work related to their investigation. 
I have spent a lot of time now for this problem and I feel that as a consumer, I have never been treated fairly by Transunion. I also have similar experience with XXXX  but they are still investigating the account so I can't say that they didn't investigate the issue properly but I am so afraid it will be the same as Transunion. They seem to have similar work code.
XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran XXXX unauthorized credit inquires on my name as listed below : XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX Inquiry XXXX XXXX, 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. <P/>Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. <P/>To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening X/XX/2017. They still went ahead and ran the credit on X/XX/2017. Once is forgivable. But I went into the dealership Saturday on X/XX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only XXXX inquiry was made on X/XX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. <P/>I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. <P/>Thank you,
I 've had to defer and place my loans in forebearance every since graduating and thanks to the interest rate, I may never pay it down. Im grateful for the loan but need help getting the balance down or possibly lowered interest rates. I was able to get an income based repayment but it expires this year and my cost is increasing monthly.
There are numerous addresses and employers that are incorrect on my report. I have asked that th ey be removed so that all of my credit reports match. I have sent in two letters, one fax,  and called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is : The  XXXX   XXXX   XXXX  y My Name is  XXXX   XXXX   XXXX  my name was legally changed due to marriage on  XXXX / XXXX /  XXXX  .
Coinbase will not let me transfer any of the currency I have purchased ( I own BTC, LTC, BCH, and  ETH ) through its platform anywhere -- not to other exchanges, not even to my own private wallet. I have tried to transfer each currency multiple times and each time Coinbase refuses the transfer saying that I need to upload an ID document before it can allow a transfer. Coinbase has already verified my identity sufficiently to allow me to purchase currency -- they even raised my purchase limit twice, first to {$2500.00}, then to {$10000.00}. But they wo n't let me access those funds, effectively freezing the funds I have deposited without explaining why or giving me any way to proceed. 

The problem is that I have uploaded my valid, Texas drivers license many times now ( each time using clear photos that conform to Coinbase 's guidelines ) and each time it is rejected without a reason approximately 12 hours later. Each time rejection comes with the error message : Failed : unknown response status. There is no guidance on the website explaining what this message means or how to remedy whatever problem is causing the rejection. Coinbase 's customer service consists of a chat bot, a recorded message, and an email account that does not respond to messages. I have repeatedly tried to contact the company through these avenues with no success. 

Coinbase encouraged me to deposit more funds with them but I would not have done so if I had known that they would be effectively frozen and inaccessible. If I had known about this issue I would never have used their service. They have rejected with no explanation every effort that I have made to fix this issue. The company offers no way to remedy the problem, as their customer service is illusory at best. This is fraud.
Citizens Bank : I opted in to recieve overdraft protection from the bank and within a week I called in and opted out of the protection. After opting out They allowed a preauthorized purchase that i did not have enough funds to cover in my checking and took the funds from my savings account to cover it. This wiped out my checking account and XXXX more purchases were allowed also being taken from savings account. i was charged the overdraft protection fee {$6.00}. on the first XXXX, on the last charge they allowed, i was charged an unprotected {$35.00} charge. Though I opted out they allowed the preauthorized charge even though there were insufficient funds. This all takes place in less than a months time.
Citigroup has no business threatening law abiding business owners for exercising their Second Amendment rights. The only reason that Citigroup is even in business today is because American taxpayers bailed them out during the Great Recession, said XXXX XXXX. Instead of imposing its political agenda on the American people, Citigroup ought to be finding ways to help these mostly small businesses grow. Citigroup certainly shouldnt be threatening their Constitutional rights.
I have contacted this company in regards to this collection account that's reporting on my credit report. The information does not belong to me at all. They have the wrong social and date of birth. I have advised this company to remove this account from my credit report, as it does not belong to me. 

I was never contacted by this company before this information was placed on my report. They never tried contacting me to dispute this wrong account. They have reported this information on my credit report as it has hurt my credit and caused harm to my score. They never provided me any information what so ever. They have totally violated my rights. I was advised from someone at their company that none of the personal information such as ( social and date of birth ) is correct. I am not sure how this account has ended up on my credit report. 

They violated my rights as a consumer because i never received any documents or communication before this account was added to my credit report.
My partner and I applied for a HELOC with Wells Fargo Bank. We have a mortgage with another bank, but they do n't offer these types of loans and we 've been banking with WFB for 40 years ( me ) and 25 years ( him ). At the time of the application, I told WFB there was a small medical bill ( just over {$300.00} ) that I refused to pay because the company would not tell me what it was for, and it was sent to collections. The bank said that should n't be an issue. My credit score came back at XXXX, which was a surprise to me, and they refused the loan on that basis alone. My partner 's score is XXXX. 

Turns out I had another bill in collections for {$130.00} that I did n't know about, and I guess that reduced my score. My score when we refinanced a year ago was in the XXXX. 

We asked Wells to review this decision and take into account our years with the bank and the fact that my credit report shows no negative activity with any of my credit cards or other payments. I have some high balances, which they knew from the start, and we were trying to get the loan to consolidate those and reduce our payments. They still refused and said it was only because my score was so low. 

Since then, my score has gone back up to XXXX according to XXXX. I have tried calling the underwriter contact at the bank multiple times but she has refused to respond to my requests to understand why this loan ca n't be approved when we clearly have the credit, not to mention the loan is guaranteed by the equity in our home. We 're asking for a loan that equals about one-third of the amount of equity we have.
I have been working with my loan company for over 8 months trying to get them a complete loan modification packet. I have sent them numerous times the documents that they are asking for and even placed a sale date because they advised they never received them. I had to file bankruptcy in order to stop the sale because I don't want to lose my home.
XX/XX/XXXX at XXXX closing we were short XXXX dollars had to call loan officer ( still have names ) for help Attn 's left my family in the parking lot with nowhere to stay.How could this have happened! Forgeries of my signature on mortgage docs. Nationstar/ Mr Cooper/ . XXXX is law firm for plaintiff. My XXXX yr young daughter suffering from XXXX XXXX is receiving calls from a " XXXX '' from XXXX attn 's asking for information on her deceased mother she has no ties to mortgage ( have saved messages ) pure predators I am XXXX suffered from XXXX XXXX XXXX XXXX for decades have all its XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX since XXXX, when my daughter started to be harassed I had to write. Illegal behavior ...? taking care of my daughter she had to leave a mold infested apartment in XXXX XXXX NJ her XXXX XXXX   XXXX she does not need this assault from some outside XXXX and XXXX legal team. It's hurt my daughter she is scared now about strangers calling
I made a payment on my mortgage for XX/XX/XXXX to my previous mortgage lender. My mortgage was then transferred to a new lender, but the new lender is claiming that my payment was never made. I have sent documentation to the new lender showing that the payment was made, and they still have not resolved the issue.
I recently pulled my credit report and noticed a collection that I did not receive notice from mail or phone call from XXXX. I called customer service about the account and the automated system notified me that my account was being handled by Diversified Consultants Inc. I have not received a phone call or letter in the mail from Diversified to discuss my account. The account is on my XXXX and the acct # from XXXX is XXXX and was last reported in XX/XX/2017 2017
There was nothing to explain further. I have been sending letters to Experian for months now and I have repeated myself over and over again. XXXX XXXX XXXX XXXX doesn't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNT
Been fighting with CitiMortgage for a modification since XXXX ; Hired an attorney to assist ; Modification keeps increasing amount due which is unaffordable ( $ XXXX/month ). Now forced to short sale ; lender keeps losing docs & saying they did n't get them which delays process ; Lender did exterior appraisal only, inflating value without seeing inside work needed. Feel like they are purposely not trying to help me short sale house. They are discriminating against me and do not want me to keep my home as evidenced by the their unwillingness to work with me on both a modification & the short sale. I have been in the home for almost 16 years. Foreclosure sale scheduled for XXXX/XXXX/XXXX.
I opened an account with  5/3  bank on   XXXX   XXXX   to take advantage of a {$200.00} promotion they were having. I did all of the requirements to receive the bonus but never got it. I m ade four phone calls to four repres entatives and they simply transferred me around without actually putting a note on my account to receive the bonus even though they acknowledged that I have met all of the criteria.
We have a CitiBank Home Depot credit card. While shopping at Home Depot in XXXX 2014, I did n't have any cash and even forgot my Home Depot Credit card with Citibank. They agreed to let me use it and they looked it up for me and charged the {$82.00} and I left. 
About 2 months later, we had a recording on our home phone answering machine, stating that our account was 60 days late. My wife called immediately and asked why we had n't received a statement, and they said they sent it electronically. My wife immediately made the payment and before she made the payment confirmed with the representative that our credit would n't be hurt. 
About a month ago, we are purchasing a XXXX home and had my credit pulled and come to find out that CitiBank/Home Depot had reported this {$82.00} 60 days late on my credit. We wrote a letter to Citibank and disputed it with the credit bureaus to come to find out that Citibank will not remove it. We never received the statement, either paper or electronically. They claimed they sent it out to an email and my wife and I NEVER received it. Citibank illegally reported to the credit bureaus that I was 60 days delinquent on my account for a {$82.00} charge. 
This has damaged my credit score and prevented me from obtaining a better interest rate due to CITIBANK/Home Depot lack of sending me a statement to inform me that I have a debt/payment due. 
I would be satisfied if CitiBank/Home Depot removed the 60 day late.
Ditech was collecting escrow from me without paying the state. At the end of the year, I was sent a check with the entire amount I was paying them, from which I used to pay my outstanding taxes ( which Ditech mistakenly did not pay ). I accumulated interest charges due to Ditech 's complete failure in setting up my mortgage. While I was in the middle of fixing the problem, Ditech sold me to XXXX who I am STILL trying to fix the issue with.
I called the credit reporting agency Equifax to request that a public record be deleted off of my credit report. Upon looking at their website, it clearly states that my credit score is being negatively impacted by this public record and will improve once this has been vacated. When I ask a human being if this is true they all say, there are many more factors which influence your score which they vaguely refer to but which they will not give you any access to. So if my credit score is low, who knows what I can do to improve it but the website clearly says by getting rid of said public record my score will improve. I am looking for consistent information on how to improve my score that is parallel to what both the website and human being at Equifax are saying. The only way to get anything done, in their minds, is to pay for credit reports and useless credit information that has no bearing on anything.
A skateboard was purchased on XXXX for {$1600.00} onXX/XX/XXXX. The skateboard was returned back to the merchant on XX/XX/XXXX under XXXX tracking # XXXX. The returned item was successfully received by merchant however a refund was NOT processed by merchant. A dispute was filed with the credit card company, Capital One, approximately 2 weeks after XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Capital One informing me that I was getting re-billed for the full amount of this charge, {$1600.00}. Capital One refused to further assist me in this dispute despite having already returned the item back to the merchant. I expect a full credit of {$1600.00} to be posted back on my credit card statements as I DO NOT retain possession of the skateboard anymore. The item was returned back to the merchant and a return tracking number is provided. As such, a full refund is 100 % expected at this point in time. I expect Capital One to process this dispute and refund the charge for {$1600.00}.
XXXX consumer is in breach of the abritration clause the contract by selling it to a third party collection agency! XXXX has violated the abritration clause! XXXX consumer has sold this debt to XXXX XXXX XXXX! XXXX XXXX XXXX has not sent any correspondence in regards to buying the debt, they have not validated the debt! In the US law encyclopedia, American Jurisprudence, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
I am writing concerning my request that the above listed accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX, XXXX  and TransUnion have willfully refused to acknowledge my request, using a stall tactic requesting MORE IDENTIFICATION INFORMATION. Yet they received all the necessary documents in my initial ID Theft Report. They also are disregarding FCRA time constraints on debt validation. 
THEY are all reporting XXXX XXXX XXXX XXXX # XXXX This is a loan that is not mine and never has been.
Dear Sir, on XX/XX/18 I contacted by phone and online XXXX, Equifax and XXXX.My complaint is that an accurately reported auto loan payoff in full, on time, with no late payments of XXXX $ resulted in a DECLINE of 41,25, and 20 points respectively on the credit score from those reports.There is no place online to dispute the result only the accuracy of the report which I do not. No one at the various agencies could explain to me how this could happen or would make any attempt to correct it. All implied they may be more helpful if I subscribed to their service. The bank from whom I received the loan said they can only report the information accurately and are not responsible for what impact it had on the credit rating. They seemed unconcerned with the irony that for paying off the loan on time with no late payments and no delinquencies that I essentially am more likely to be declined or at least face a higher interest rate for my good behavior. Please help me rectify the situation if you can. Thank You.