WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, secured a line a credit via Care credit ( Synchrony Bank ) as advised by my dentist to assist with additional coverage amount needed that would not be covered by my dental plan. The amount approved was XXXX at full-time employment. When, my payments schedule was calculated and adjusted I could n't make the required minimum payments and reached out to synchrony bank many times to adjust my payment as I lost my full-time job to part time status. I ask to reduce my payment and was denied on multiple times. I sent what I could, but it was never the required amount of XXXX. Each month, I was always late and I constantly called only to get a foreign accented person that would put me on hold to see if I qualify for a special program, then told " no. '' So, every month I paid what I could afford to send and every month I received calls saying I was late. Noone would help me reduce my payment, they said my account was too new and that I did n't qualify for there special program. I asked what program was that, but got another foreign person who could n't explain it to me, but would transfer me to another XXXX manager, who basically stated the same thing. Finally, six months later, I requested a seize and assist on the constant collection calls that called me every day on both my home # & cellphone #. However, no one from synchrony bank would help me lower my payment and expected me to pay XXXX on a limited income. I called in XXXX XXXX and spoke with someone in their collection department that spoke XXXX named " XXXX. '' She gave me a settlement offer and told me that the account was going to charge off in 169 days. At that time, I could n't pay the settlement but told her the account had already been charged off and posted to my credit file in XXXX XXXX ... it posted to all XXXX credit bureaus which lowered my credit score and negated my opportunity to try to get any funds to pay or accept the settlement offer. However, knowing that I have 169 days before it leaves the office, I 'll call back for another offer. 2 weeks later, I got a certified letter from an attorneys ' office in XXXX, NC regarding this account. I was soooo frustrated and puzzled, I called the office and never spoke to the atty, but vmail. Only vmail back and forward, basically stating that I was surprised that this account was with them and left reasons. I felt I was violated without rights to settle and never heard back from this atty. I called back to synchrony bank and spoke with someone again..XXXX and express my strong concerns and violations of rights to settle. The account was pulled back from the atty. Noone still has yet to contact me until XXXX/XXXX/XXXX. I just got a letter stating that this account has been sold to XXXX XXXX XXXX XXXX and if I have any questions, I should contact them. This has been a true nightmare. I 'm not trying to get out of paying, but I just needed to adjust my payment amount until my income increased. ..all phone calls were recorded. Help ... this is not right at all.
Conn 's has called me XXXX times today, and at least 3 times every single day.
I have had a Best Buy credit card for a number of years. I have only used it a few times over the course of several years. I have it set up on autopay and I do n't receive a paper statement so I do n't check the account regularly, as there is no need. Recently I logged into my account and was going to pay off the card when I noticed that despite my monthly payment, the balance has not changed that much. I began to look at my statements and noticed a charge every month for Debt protection. I called customer service to inquire about this charge and was told that it was added to my account in 2004. I informed the representative that I DID NOT authorize or sign up for this. They processed my request to cancel this from my account. I also requested a full refund of all the fees including interest that I have been charged over the course of the last 12 YEARS!!! I received a letter in the mail confirming that this debt protection had been cancelled and that they were crediting my account for 3 months of charges as a " courtesy ''. This is unacceptable. How can they get away with fraudulently signing consumers up for programs they did not authorize? I demand a full refund of the unauthorized fees and any interest charges that accumulated because of this.
Got the loan through XXXX another company bought it out BAYVIEW bought the loan they call 5 times a day my mom is XXXX year 's old the said the would work with her the took out two payments when XXXX was on the loan, that was illegal.Overdrew her checking account she could not pay her bills and was overdraw {$300.00}.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX FCRA Summary of Rights What is the Fair Credit Reporting Act? 



The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Enacted in XXXX and substantially amended in the late XXXX and again in XXXX, the FCRA, among other things, restricts who has access to your sensitive credit information and how that information can be used. 


Summary of Rights The FCRA is a complex piece of legislation and contains numerous provisions not discussed on this page. Below are several important features of how the FCRA is designed to help consumers ( for the complete text, visit the Federal Trade Commission ). The FCRA protects you by requiring consumer reporting agencies : Disclose your credit file to you upon request. Consumer reporting agencies must provide you the information in your file if you request it and provide the agency with proper identification. See " How do I get a free report? " for more information. 

Limit access to your information. A consumer reporting agency may not provide your credit report to any party that lacks a permissible purpose, such as the evaluation of an application for a loan, credit, service, or employment. Permissible purposes also include several business and legal uses. See " Who can access my Equifax credit file? '' for more information. 

Get your consent before providing your information to an employer. A consumer reporting agency may not provide your credit information to an employer or potential employer unless you first give that employer written permission to request your credit report. 

Investigate disputed information. If you tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information. If the investigation fails to resolve the dispute, you may add a statement to your credit file explaining the matter. For more information, see Correcting Errors in Your Report. 

Correct or delete inaccurate information. A consumer reporting agency must correct or, as the case may be, delete from your credit file the information that is found to be inaccurate or can no longer be verified. The consumer reporting agency is not required to remove accurate data from your file unless it is outdated THIS IS FROM THE EQUIFAX PAGE AND YET THEY WILL NOT INVESTIGATE MY INQUIRIES AND DELETE THEM DO NOT USE THE XXXX system give this call to a supervisor TO REMOVE THE INQUIRES PER THE FCRA SHOW HOW THE INVESTIGATION WAS DONE DO NOT PLACE A FRUAD ALERT ON MY CREDIT PROFILE!!!!!!!! 
DELETE XXXX DELETE XXXX DELETE XXXX XXXX DELETE XXXX THEY DOD NOT KNOW WHO I AM AND HAVE NOTHING TO SHOW I APPLIED FOR CREDIT. I DID N OT APPLY FOR CREDIT!!!! 
EQUIFAX GAVE THEM ACCES TO MY CREDIT NOT ME!!!!!!
XXXX Purpose : Please give me my {$370.00} dividend. 

My DIVIDEND credit card was closed on XX/XX/XXXX by Citibank, but my {$370.00} interest was negotiated and they refused to give me the request for CFPB to help solve. 

I 'm sorry I do not speak XXXX too, I need XXXX help Above from : XXXX XXXX
My son borrowed money for his college tuition and I was the co-signer. It was our understanding that I could be released as a co-borrower after a XXXX years on time payments and my sons credit worthiness. After he graduated he accepted the loan company 's offer to postpone the payments for a few months so that he could get employed. He accepted, but by doing so, I found out that due to that, I will NEVER be released from the loan as a co-borrower. I feel that this is deceptive lending practices, evil, mean spirited and just plain wrong. His credit rating is great. He has never missed XXXX payment nor been late for several years but still, I am like a fish on a hook. Stuck! One of the " selling '' features of this particular lender was the agreement that I could be released from the loan. They should be ashamed,
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order AMERIFINACIAL SOLUTIONS to make recompense and pay redress and compensation for their trespass against me. AMERIFINACIAL SOLUTIONS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
On or around XX/XX/2015, I was notified by mail that XXXX XXXX XXXX was selling my mortgage to Carrington Mortgage Services ( CMS ). Since XX/XX/2015 I have been UNABLE TO MAKE ANY ADDITIONAL PRINCIPAL PAYMENTS TO THIS ACCOUNT. The prior history shows that I have always paid {$800.00} per month for a monthly loan payment of {$760.00}. It may not seem like much but {$36.00} extra each month adds up over the life of a mortgage. 
I have contacted Carrington numerous times with NO RESOLUTION. I pay on time, each month. I do n't think this is legal. When my loan originated, there was a no prepay clause. They assumed the loan, they should be required to HONOR the terms, just as I am expected to pay according to the terms.
I had an equity loan with PNC Bank. I have XXXX different letters with XXXX different people with XXXX different dates, stating the loan has been paid of or satisfied in full. I have enclosed these as attachments. For 3 years now or more I can walk into a branch and the loan amount still shows on their system as being owed. I walked into the XXXX XXXX XXXX today and received a printout of this loan still showing as due. I have attached a copy of that. I want this info taken off the system. No one can explain why it still shows being owed. This needs to be taken care of and I 'm so tired of PNC incompetence.
Case number : XXXX Related Case Number : XXXX Overton Lied to Federal Agents, considering the fact that Bureau of Consumer Financial Protection is a United States Government Agency, to lie to an employee either directly or via website, that is the same, in my opinion to lying directly to a federal agent. 

Title 18, United States Code, Section 1001 makes it a crime to : 1 ) knowingly and willfully ; 2 ) make any materially false, fictitious or fraudulent statement or representation ; 3 ) in any matter within the jurisdiction of the executive, legislative or judicial branch of the United States. Your lie does not even have to be made directly to an employee of the national government as long as it is " within the jurisdiction '' of the ever expanding federal bureaucracy. Though the falsehood must be " material '' this requirement is met if the statement has the " natural tendency to influence or [ is ] capable of influencing, the decision of the decisionmaking body to which it is addressed. '' United States XXXX ( XXXX ). ( In other words, it is not necessary to show that your particular lie ever really influenced anyone. ) Although you must know that your statement is false at the time you make it in order to be guilty of this crime, you do not have to know that lying to the government is a crime or even that the matter you are lying about is " within the jurisdiction '' of a government agency. United States XXXX ( XXXX ). For example, if you lie to your employer on your time and attendance records and, unbeknownst to you, he submits your records, along with those of other employees, to the federal government pursuant to some regulatory duty, you could be criminally liable. Source : XXXX The actual lie was stating that my complaint was " baseless ''. Therefore, I respectfully suggest that the compliance officer should be arrested, and criminally charged. ( XXXX XXXX XXXX ) Release the audio tapes to the consumerfinance.gov. It will show that i answered the phone, but I was not verified until long after the debt was disclosed, a violation, in my opinion to title 15 fair debt collection practices act. A possible civil tort.
On Tuesday, XX/XX/XXXX, my wife received a phone call from a Texas number XXXX ( which was disconnected shortly after the phone call when my wife tried to call back ) stating that her husband was pending legal action on a civil matter and if she could reach me. She handed me the phone and the woman proceeded to give me a case number of XXXX and said I needed to call XXXX to speak with a mediator to attempt to resolve an outstanding debt from XX/XX/XXXX or I will be taken to court in 10 days. I called the number and was told the company 's name was XXXX XXXX ' by a man named XXXX XXXX XXXX He asked for the last 4 digits of my social security number and once given, read my entire social back to me and stated that if I go to court the amount would be {$3600.00} plus any attorney fees, but if I paid it the same day I could satisfy the outstanding debt for {$840.00}. If I wanted to split it into two payments, it would be {$1700.00}, but I needed to choose soon. I was given 48 hours after I told him I planned to speak with my wife about it. I have not been served, I am on XXXX XXXX, so I have been away, but my wife has not had any notification or attempts made to serve me while she has been home. When I questioned about the statute of limitations, XXXX XXXX stated that it does not apply to my situation because I moved out of state when I joined the service and that the reason the debt did not show up on my credit report which my wife has me check religiously is because it is from a bank and that would be in the XXXX. When 48 hours passed, he called me again at a XXXX number. When asked for the company 's name they stated " XXXX XXXX '' but when I attempt to locate information about the company or man I spoke with, I find nothing. I told him that I do not plan to pay a debt he can not and will not provide documentation for. He told me in order to show the debt, I would need to agree to a settled amount. When I said I wanted proof of the debt, he said he does not have it and the bank wouldn't since it would have been sold to a debt collection agency and that agency is likely not around either.
Nelnet student loan reported one late payment to the credit bureau that completely ruined my credit that I had been building over the past 5 years with them. I have continuously made payments every single month on all of my accounts for over the allotted amount, and they have always accepted my money. However, they still reported me making my credit score fall from an A to D. I had no idea they had even reported me until my bank ran my credit and notified me. They were unforgiving and would not reverse it saying I had made one of the payments to the wrong group. They said the payment should have been made by XX/XX/XXXX but was not made until XX/XX/XXXX and even after my payment was made on XX/XX/XXXX and up to date, they still reported me on XX/XX/XXXX which led to ruining my credit. Beware of Nelnet they are very unforgiving!
On XXXX/XXXX/15, I contacted XXXX to disconnect cellular phone service. At this time I requstested that I final bill be sent to me via U.S. Mail instead of via email. The representative advised me that I would recieve a bill after the end of the current billing cycle which ended on XXXX/XXXX/15. On XXXX/XXXX/15 I recieved a notice from a collection agency. The notice states that " this is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. '' When I called, I was NOT given the same disclosure nor advised that the called was being monitored and/or recorded. She then told me that I owed a completely different balance than what was stated on the notice. Albeit lower, but different nonetheless. I was advised that I was in fact calling " a part of XXXX '' and that it was not an outside collection agency and I would be referred to an outside collection agency as of XXXX/XXXX/15. I informed her that I requested a final bill via mail when the service was disconnected. She " verified the information with XXXX '' and proceded to explain that she will send a bill but the account will still be referred to an " outside collection agency '' on XXXX/XXXX/15. I was not even giving the opportunity to pay the bill before it went to collections.
It has come to my attention that XXXX XXXX XXXX, has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : XXXX XXXX XXXX   Account # XXXX has one 30 days past due as of XX/XX/XXXX The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and XXXX XXXX keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

XXXX XXXX  The 30 day late reporting made by XXXX XXXX XXXX is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. XXXX XXXX XXXX has received payment in the month it reported me late.

What the attached proof of payment shows is that XXXX XXXX XXXX account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting XXXX XXXX XXXX  directly buXXXX XXXX XXXX  keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding EQUIFAX and XXXX  responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my file.
Complaint against Home Depot Credit Services XXXX XXXX XXXX XXXX AZ XXXX Re : Deceptive practices with account XXXX XXXX XXXX XXXX and unjust {$27.00} in fees and " minimal interest '' I recently was offered to open a Home Depot credit card, which was suggested to me by the store associate on location, which she described as " no interest '' for 6 months card. I agreed to open. I finally received my credit card opened by Home Depot associate on location at the store on XXXX XXXX, XXXX IL ; and discovered that I was misled on terms of this agreement and unfairly billed later fees {$25.00} plus additional {$2.00} charge. in the total amount of {$27.00} When I planned to make a purchase of some flowers at Home Depot, their Associate told me that if I open a card it will be interest-free for 6 months. However, she failed to inform that this purchased must be over {$290.00}, I later learned learned from the card. My purchase of flowers was much less ; and the associate knew it when she told me that it will be interest-free for 6 months. I relied on her words. The Associate took my personal information and placed on the system, but she forgot to put my unit number in the application. As the result, the actual card was never mailed to me. I went to Home Depot on XXXX XXXX and informed customer service that I did not received my card. They called to the credit card service line where I spoke with a representative who informed me that the card was returned back to them due to incorrect mailing address. She promised to re-send me the card. Yesterday I received the card which has {$27.00} in fees, but the interest on first page stated {$0.00}. The second page stated that I was charged {$25.00} in late fees ( which was caused not by me but by Home Depot untimely mailing me the statement ) ; plus {$2.00} in minimum interest charged. Overall interest again stated {$0.00}. I consider Home Depot practices as unfair and deceptive from the beginning and requested to close this account. I dont know that this minimum interest means ; and how much in hidden fees and charges Home Depot will bill me in future, so I decided to stop this deceptive practice at the beginning and not continue my business with their credit card services. I mailed them my payment {$69.00}, whihc covers the entire balance in full ; and demanded to remove unlawful and unfair {$27.00} fees and minimum interest I am submitting this Complaint with Consumer Financial Protection Bureau and demand investigation into this matter to protect other customers from Home Depot deceptive credit card services. Sincerely, XXXX XXXX
I filed bankruptcy XXXX XXXX, and after doing so, received a letter stating I owed for services I did not receive ( From XXXX ). I sent emails several times, XXXX XXXX, XXXX XXXX, as well as sent a letter dated XXXX XXXX, and made contact through XXXX ( several times ), who said they would tell the branch manager to call me. I spoke with the branch manager ( approximately 2 weeks ago ) and informed him of the bankruptcy and he said he was aware and would update his records and cease communication with me to collect the debt. I received a statement dated XXXX XXXX, XXXX from A.R.M. Solutions, Inc. on behalf of XXXX. This is very frustrating and causing so much XXXX as I explained my financial situation on top of being unemployed since XXXX XXXX. I wish to file this complain in regards to the statement of facts and recover any monies as imposed by the company violating the bankruptcy law.