WillisBack/dataset-financial-user-claim huggingface dataset:
Subject : XXXX ( Cabelas ) account # XXXX To whom it may concern : I have attempted to contact Cabelas on multiple occasions both telephonically and through correspondence. It is appalling do be ignored and treated like I do not exist. The unresponsiveness of Cabelas is not only demoralizing ; its a travesty of justice. I have requested to have my APR reduced, late fees removed, and any extension of my promotion on this account. 
To date, I have not received any response and I would like action taken immediately! 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I obtain an XXXX mortgage loan with XXXX, secured by XXXX. My loan was then sold to XXXX XXXX XXXX. I lost my job in XX/XX/XXXX due to the economic recession and was forced to do cash for keys in XX/XX/XXXX, returning my home back to XXXX. XXXX XXXX XXXX has sold my loan to a collection agency, Real Time Resolutions to collect on the home equity portion of my loan, which was also secured by XXXX. They continue to call me weekly asking for payment.
I was turned down for a loan by Honda Finacial Services XX/XX/2016 there number was XXXX. Honda Finacial service number is XXXX. I requested an explanation from them of why I was turned down and a copy of the credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX. I did this by sending them a copy of the form letter to both companies. This was done in XX/XX/XXXX I mever heard back from either company it has been over 60 days.
I am trying to get intouch with the Beneficial finance company.  They sold all their loans in the US.  Since we never completed a loan with them we do not have an account number and our SS# are not on any records they have.  I sent the following letter to them explaining what problem we needed fixed by them and we sent it certified mail but when we track it there is no information that it was delieveded.  Here is what I sent them.We need some one to remove a record at our local XXXX county courthouse in XXXX that says our property is being used as collateral on a loan through XXXX XXXX XXXX.  On XX/XX/XXXX we applied for a loan at the local branch office in XXXX, Pa and then a day or so later we went back into the office and cancelled the loan.  No checks were ever issued, and it fell within the three-day period we were given to think it over.  Recently we applied for a second mortgage through our local Credit Union and they did a property report which showed a loan on it with date of XX/XX/XXXX and it was recorded on XX/XX/XXXX, record book XXXX record page 497 in the amount of XXXX. We need this removed to avoid future problems and we need a letter faxed to our credit union to tell them that we do not owe you for this loan and that the property is free and clear of this debt. Please fax this letter to XXXX XXXX XXXX XXXX XXXX attention XXXX XXXX XXXX.   Please act quickly since the loan we are applying for will be on hold till we can prove we don’t owe this money.
There were 2 items placed on my cbr that are not mine. I share the same name as my mother who recently filed a chapter XXXX bankruptsy so I believe these creditors put her information on my cbr out of frustration. I verified with my mother that these items also showed on her cbr.. And she advised they did. And they both show as a chapter XXXX bk. I disputed the items XXXX XXXX XXXX and XXXX XXXX and advised them. Of this information. The dispute results finally came back and experian advised that they were both updated.. They remained ... So I called experian and the rep could not tell me anything about the dispute. I know for certain tht these are my mothers so I asked what kind of proof did they provide validating that these debts were mine? Rep advised they did not and do not need to provide proof and that they just notified them stating debt was mine. I find that absurd. The representative then said he did not show the XXXX XXXX dispute and that it was never disputed. I was appalled and advised him that I had received emails from them advising of the disputed items being completed and that i also had the email confirmations whsn i first placed the items in dispute. The rep then miraculously saw that XXXX XXXX was disputes..but told me it was. Still showing on my cbr And that there were no notes so that must mean that they verified the debt. Could not tell me a thing concerning that dispute and had no proof or notes and yet they have decided that these 2 debts that are not mine and are already being reported to someone elses cbr as well are to remain. I find this unjust and plan on taking legal action if need be. Asked rep for supervisor, he advised they would tell me the same thing..placed me on hold for over 30 mins and never returned when I decided to end call.
I disputed a fraudulent charge on my account in the amount {$2200.00} I am a victim of identity theft and I did not make or authorized this charges I have 7 years freeze on my credit report since XX/XX/2016 but still XXXX  XXXX   XXXX XXXX XXXX Account XXXX still send me a letter for collection
I am filing this complaint because my requests have been ignored by Experian. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''.
Debt collector from XXXX called me at XXXX XXXX in my time zone ( mountain time ). No msg was left.
XXXX  XXXX XXXX Submitted an amount of {$680.00} that was supposed to be paid by XXXX   XXXX due to their driver 's negligence. My insurance paid {$500.00} of the {$1100.00}. I submitted a complaint to XXXX  and the matter was taken off my credit report. Equifax 's website would not allow me to submit a complaint.
The lender was provided our XXXX party authorization and a QWR on XX/XX/XXXX - The lender has failed to provide us with the requested information needed to properly assist the client - They have also been provided the XXXX party XXXX XXXX additional time, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX - the lender is failing to approve and provide any information on the clients file - and is in violation of the clients right to counsel
On XXXX XXXX, XXXX, I purchased a XXXX for {$6400.00}. I chose to take advantage of their financing option through Synchrony bank which was presented to me as a 0 % plan provided it was paid in full by XXXX XXXX. After XXXX XXXX, a remaining balance would cause interest to kick in retroactively. No problem - having the funds to pay for the bed was never an issue nor was I ever late on a payment. That 's because I auto-enrolled in monthly payments - increasing the minimum payments by at least 25 % to ensure the bed would be fully paid by XXXX XXXX. The math worked when the auto enrollment was set-up and I paid little attention to the account thereafter, other than to note withdrawals were being made from my bank account. In XXXX XXXX, I attempted to log on to my Synchrony account online and found I was locked out ( I have not been able to access my online account since ). I checked my records again and since withdrawals were still happening as planned, I did n't overthink it - I believed my final payment was to be made in XXXX, the balance would be XXXX and then the account would be closed and no interest would be due. Unfortunately, I received an email on XXXX XXXX indicating I now owed the retroactive interest of nearly {$2000.00}. I called immediately, was treated very rudely and told I still owed a couple XXXX dollars on the principal, and that was that. She said had I called 24 hours earlier, there might have been a different outcome ( interesting timing of that email ). After getting myself together, unsure of how the math worked when I set up the auto debits but conveniently did not at the end of the payment period, I called again on XXXX XXXX. I was told that if I could come up with some extenuating circumstance story, they would wave the interest. I did n't have such a story and do not believe I need one given that the payments were set up to uphold my end of the agreement. That day, I paid the balance they said was due on the principal at that point ( {$420.00} ) and closed the account. There is a balance now of {$1900.00} ( all retro interest ) which I contest based on having paid the principal in full in XXXX XXXX as agreed.
Military Retirement XXXX Pay of {$XXXX} was held for three day from XXXX XXXX, XXXX until XXXX XXXX, XXXX, then again a second incident in XXXX XXXX, XXXX Military Retired XXXX Pay of {$XXXX} was held again for two days. on both occasions the Automatic Clearing House ( ACH ) put a HOLD on XXXX Pay with out any Notification, Chase Bank Alert settings were in place and the ACH Department Failed to make any notification. continuous Criminal Activity continues with Chase Bank Programmers, and IT Department and Compliance have " NOT '' prevented any Criminal Activity.
Back in 2004, I took a tour of the California XXXX XXXX ( now XXXX XXXX XXXX ) in XXXX XXXX and fell in love with the idea of the program that they were " selling '' me. Great set of XXXX a prestigious school alumni ... XXXX of my many future counselors told me that I would have to take a loan via XXXX XXXX and that I qualified for some Federal Loans. That being said, my private loan rates were at 18.1 % but all I cared about was going to school. The school it self was located in XXXX called the XXXX. I decided to live off campus as you could n't sleep in the dorms at night due to bum fights. None of this class received the XXXX XXXX and graduation ( which should be a special time ) we were n't given new uniforms like promised. The promise of any decent jobs was denied because of the factory making XXXX and the lack of work ethic. No one really hired a XXXX graduate. The administration was constantly changing and always new teachers. I started with a class of XXXX and graduated with XXXX of my original class of which only a handful are still in the XXXX world. Once graduating, my payments were an astonishing {$1000.00} a month of which I had to defer and put into forbearance, which created even MORE interest. I was able to have a relative co sign but the damage is done and I am paying almost {$400.00} a month and can not pay principle only and what was once XXXX XXXX is now NAVIENT and they wo n't let me pay more towards loan and just forward it to following month. PLEASE HELP!!!! The school also had a class action lawsuit that i sadly received the paperwork way after the fact and the payout was {$40.00} XXXX dollars. I could go on, I am just looking for a better direction because this is become a burden on my family. I own my own XXXX but my salary is minimal. Thank you!!!
Approx. XXXX XXXX Credit Solutions LLC XXXX XXXX XXXX XXXX KY XXXX contacted my husband in regards to a medical bill that they are attempting to collect on. They did not ask who he was but proceeded to tell him the amount of bill owed {$4700.00}, the original creditor and asked if I had any intentions on paying my bill ... ... Actions previously taken, a separate CFPB complaint was filed against this same company by myself back in XXXX 2017 for threatening to take legal action against me and it was their first contact with me as well as called my multiple occasions on the same day after I told them that I would need to call them back. This is extremely concerning since one complaint was filed in less than a year against the same company for malicious practices and tactics to collect a dept.
A duplicate charge of {$89.00} from XXXX XXXX occurred on XXXX/XXXX/2016 ( original charge posted XXXX/XXXX/16 ) and multiple disputes were submitted by the primary cardholder ( XXXX XXXX XXXX, her son XXXX XXXX ( who has POA ) and her daughter in law ( XXXX XXXX XXXX who was added as an authorized user to Citi Card account ; however, the final resolution was that sufficient information was not submitted by the response date even though verbal contact was made 2 days prior to final letter was produced inquiring what other information was necessary to resolve the dispute.
Discover has been charging me 29.99 % interest for the past five years, because I made a late payment in XX/XX/XXXX. Since that time, I asked them to lower the interest, and they did for a brief, temporary period, but then they returned it to XXXX. They explained that they " had '' to raise it again because lowering it was just temporary. Since that time, my daughter was diagnosed with an XXXX, I lost my job, and I sustained XXXX. I was unemployed from XXXX to XXXX of this year ( I am XXXX ). When I explained to Discover that I was struggling to meet their very high interest payments because I 'd lost my job, they replied that if I 'd lost my job, I was a worse credit risk, which was all the more reason they should leave my interest rate at the highest level. I ca n't imagine that charging me this rate over this period of time is legitimate.
I am a customer of direct who offered me 90 days modification during hurricane Irma. I made XXXX  and XXXX payments on time but the XX/XX/XXXX payment I attempted to pay but their office was closed and their automated system will not accept my payment. I then attempted to schedule a payment on the last day of XX/XX/XXXX however their office was closed again. Their documents states their office is opened on Saturdays however the system stated the office was closed. I called customer service and they stated my modification will be denied since I did not make the XXXX payment on time. They did not offer any more options. What do I do I'm this case??
THIS COMPANY & ATTORNEY 'S OFFICE HAS MADE NUMEROUS ERRONEOUS ATTEMPTS TO COLLECT A DEBT FROM ME THAT I DO NOT OWE. THEY FIRST OBTAINED A JUDGMENT WITHOUT EVER SERVING ME PROPERLY IN 2004. I WENT TO COURT AND RE-OPENED THE CASE AND THE JUDGMENT WAS VACATED. THIS WAS UNDER ONE NAME AND INDEX # AND ATTORNEYS OFFICE, THEN THEY AGAIN TRIED WITH THE SAME ATTORNEYS, BUT UNDER A NEW ATTORNEY 'S OFFICE NAME, SEEKING THE SAME DEBT UNDER ANOTHER COMPANY NAME. THIS CASE LIKEWISE NEVER RESULTED IN A JUDGMENT. YESTERDAY I GOT A LETTER FROM SELIP & STYLIANOU , LLP, ( WHO WERE PREVIOUSLY " XXXX XXXX XXXX '' YOU CAN SEE THOSE ATTORNEYS STILL ON THE LETTERHEAD OF SELIP AND STYLIANOU ) ON BEHALF OF XXXX XXXX SAYING I OWE A JUDGMENT. MY WIFE AND I HAVE WRITTEN AND CALLED THEM AT LEAST 25 TIMES OVER THE LAST 13 YEARS TELLING AND REMINDING THEM THAT I DO NOT OWE THIS AND THAT THEY DO NOT HAVE A JUDGMENT AND STILL THEY SEND THESE LETTERS AND WHEN WE CALL THEY ARE NASTY AND INSIST THAT I DO OWE THE MONEY AND THAT I DO HAVE A JUDGMENT AGAINST ME. I AM AT MY WITS END.
Equifax improperly handled my financial information in such a way that it became hacked and I must now assume that the information is public. I used their tool this morning at https : //www.equifaxsecurity2017.com/potential-impact/ to determine that my information has indeed been hacked. 

Equifax has done nothing to notify me of the problem other than " issue a national press release '' after a substantial delay ... I should have been notified within days that my data may be impacted so that I could take steps to protect myself but instead the company waited. Equifax claims that this is because it took a long time for their cybersecurity investigators to conduct a review but if the impetus for the review in the first place was that the company knew about a potential breach of this magnitude then this is no excuse to keep that information private for as long as they did. I personally suspect that at substantial factor in the company 's behavior with regards to timing the release of this information was having their public relations team examine how this issue affects the company 's business, which is unacceptable. 

Equifax has offered free monitoring through their new site related to this issue https : //www.equifaxsecurity2017.com, but only if I relinquish some of my legal rights to collect from them should this breach lead to damage against my finances. This is not acceptable.
Applied for a Discover bank savings account through a promotional offer for {$100.00} bonus ( XXXX ) After all requirements were fullfilled, no communication from Discover, no bonus credited. 
Called 3 times to resolve, finally they claimed that the offer expired before I opened the account which was clearly not the case as listed on their own webpage. 

Discover refused to switch to another promotion by saying that new promotions are only for new customers so I would no longer qualify.
On XX/XX/XXXX I signed up with a SunTrust checking account offering XXXX dollars if you deposited XXXX in the first 60 days, Do Direct Deposit, 10 purchases with your check card. <P/>I met all those requirements and was later denied, due to a family member in the same household having an account with them. Nowhere in the terms and conditions do I see anything about that.
I recently contacted Experian to dispute XXXX items on my credit report. First its suppose to be only XXXX account and they are reporting as XXXX. I disputed XXXX XXXX XXXX XXXX as reporting wrong information. First of XXXX owns the account not XXXX XXXX XXXX XXXX they are a third party. As soon as I found out I had a debt with XXXX New I paid in full XXXX I then deisputed the accounts with Experian and they would not removed them or report accurate information. XXXX XXXX XXXX XXXX are reporting XXXX different accounts where they is only suppose to be XXXX account only. I paid the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX and the credit breau wo n't contact them to see if is paid. Instead they contact XXXX XXXX XXXX XXXX this is not their account they just work as a third party to try to collect. I never enter into a contract with XXXX XXXX XXXX XXXX I do n't owe them a dime I already paid in full XXXX. XXXX XXXX XXXX XXXX is reporting it twice when there is only XXXX account not XXXX.
I am working with Mortgage company Ditech. A year ago their website stopped working to make online payments. I tried to pay using different, computers, browser engines and I kept getting the same message " UNABLE TO LOCATE ACCOUNT ) on XX/XX/XXXX I called the company and I got no help their only solution was for me to use a different bank to make online payments, that did not work either in XX/XX/XXXX I continued trying to see if there was any fix on the website and I still had the same problem. I called again and their answer was, It is not on our end is on your end do the payments in any other way. I have been paying late fees {$48.00} because every time I use other methods the payment does not arrive on time. I Called on XX/XX/XXXX and the customer service representative did not offer any solutions other than tell me to email customer service, which I have done in the past and no one ever answer the emails or offer any solutions. I am really frustrated and disappointed with this mortgage company. I am paying late fees because of a mistake on their end. The customer service person XXXX told me that they don't have an IT department, so I question if when I enter my bank account my privacy is being protected, if the can't fix this glitch are the accounts Ditech mortgage owners secure from hackers? Why do they advertise make payments online, when that feature does not work? Is this a scam to make mortgage owners pay late fees? 

Thanks
Experian refuses to remove a collection account with XXXX XXXX XXXX XXXX from my credit report. The collection relates to charges from a medical practice that were discharged as part of a settlement. I do not owe them for this medical proceedure.
westlake auto finace did loans with them as an agent they then canceled my contract 4 years ago they then funelled my coustmers to other stores now there comming back 4 years latter saying i have XXXX in buy backs my contract said i was on first payment recourse all of these XXXX coustmers made XXXX to XXXX payments they harrassed them called there niebors family freinds anybody nothing the truth im XXXX years old retired XXXX ive tried to reson with them but there atty said it more fun to go threw court there using corprate money to exort money also they have to give these XXXX people setllments to they are already trying to double dip i also have proff tht they had my gm signing fake contracts
On XX/XX/XXXX my husband & I went to the bank to close on our construction loan and were notified that I was past-due for {$47.00} on a student loan payment from XXXX XXXX College. I had NO idea about this bill as I was never sent a bill in the mail after XX/XX/XXXX and was never contacted about having a balance. This " delinquency '' was reported to the credit bureau by XXXX  XXXX XXXX. 
I first called XXXX XXXX College where they told me that they had changed billing providers and no notification was sent out ( assuming this to be the reason I hadn't received a bill ). I called XXXX  XXXX XXXX and spoke to the manager, XXXX XXXX where it was confirmed that I never got a statement or any late statements from XXXX XXXX XXXX. I told him that I would gladly pay off any balance ( now that I knew it existed ) and that this problem be cleared up and deleted from my credit report by both Experian AND XXXX. XXXX said he would notify both credit bureaus ( as is seen on the attached documents ) to have those delinquencies deleted and removed completely as it was a miscommunication- that was back on XX/XX/XXXX. 
It is now XX/XX/XXXX and I received my credit report in the mall from XXXX and the delinquencies are still showing on my credit report and say they will remain there til XX/XX/XXXX. 
I want any and all elinquincies and negatives completely deleted and removed from my credit report ( like they said they were going to do ) as soon as possible as this has caused a huge mess on my perfect credit and our ability to close on our construction loan.
I have a mortgage through Wells Fargo. After several months, I saw an offer from their website saying I could obtain " significant '' savings on interest and cut years off my mortgage by changing from monthly to biweekly payments. I elected to do so, and only months later did I learn that the bank merely holds the first payment and does not apply it until the XXXX payment arrives. I was led to believe that payments had to be applied when received. I sent them an email saying I believed their practice is deceptive at best and predatory at worst. The question is, is it legal for them to do so? Is it legal to do this without proper disclosure? I requested that they retroactively apply my XXXX biweekly payment each month to the mortgage on the dates they are received. They refused. I spoke with an officer at another bank who said doing so is " common practice '' in the loan industry. If so, and if it is legal to do this without disclosure, then please ignore this complaint. If not, then I wish merely to have my payments applied as of the dates received and a new amortization schedule sent to me. Aside from this, I am quite satisfied with my bank. **Please note that on XXXX XXXX, XXXX XXXX sent me a letter fully explaining that the biweekly ( " partial '' ) payments are withdrawn from my bank account and placed into an " unapplied funds account '' until the " full monthly payment '' is received. XXXX sent me a new amortization schedule as well. Further, she said the bank is placing a " XXXX-day hold on any negative credit reporting '' for my account to ensure no " adverse information was sent to the consumer reporting agencies while we researched your concern ''. The wording sounds like a potential threat that the bank could ( if it so chooses XXXX send " adverse information '' to the credit reporting agencies because I sent a " concern '' their way.
Fund transfer was done on XXXX XXXX 2015 and suppose to be delivered to receiver by XXXX XXXX 2015 but till XXXX XXXX fund not received. As per Western Union money delivered to Receiver 's bank and Case XXXX was opened and resolution till today. receiver have to go to the bank every day to check but no fund in the account and receiver 's bank has no record of fund transfer received from Western Union.