WillisBack/dataset-financial-user-claim huggingface dataset:
I had a XXXX card back in 2014. My first purchase was for a tablet. I made monthly installment payments on the tablet until it was paid in full. There has been major disputes with this company as they put me into collection for {$380.00}. This is all from fee's/interest/late payments. I 've contacted XXXX several times and I provided them with proof that they took the payments from my bank account. It was verified with 1 customer service rep that the tablet has indeed been paid in full. Another customer service rep told me I was suppose to make the payments to the XXXX not to XXXX. Regardless they received there money. I was furious when I saw on my credit report that they sent me to collection. I contacted the collection agency 's today and was told for {$250.00} they will settle and close the account. I was also told that crown assets took over XXXX. XXXX is no longer existing according to the information I received today. I explained to the collection agency that I am not paying {$250.00} for something that has been paid in full. I am also not paying for any late fee 's that were assesed to the card because I never paid late. I tried contacting XXXX today but to no success was I able to get anywhere. I was told to contact the collection agency. I told them I did that already. I am very upset with this company as this is affecting my credit score and affecting me in obtaining credit.
This company has a number of accounts they have been contacting me about. The accounts have my name but I have contacted the banks who issued these credit accounts but the banks verified the social security number does not match my social security number. I have contacted this collection company via email, fax and US mail  alerting them to this. The company responded to two of the accounts after I filed disputes with the three major credit bureaus and closed those collections because the credit bureaus were able to match the social security did not match. This collection company has four additional accounts open in collections that are not mine. After alerting this company of this they refuse to verify the social security number and continue to contact me via numerous phone calls and mail. Portfolio recovery associates have contacted me from thirty-two different phone numbers over the past four months. Even after being contacted that these accounts do not belong to me and to please verify the social number they have refused to listen to me and continue to harass me. They have also filed two civil actions in court under my name but wrong social security number.
Equifax and  XXXX  are showing an outstanding balance on my credit report that I do not owe for   XXXX     XXXX   XXXX . I have reached out to   XXXX   XXXX    XXXX  regarding this account and they indicated that the account was paid off  XXXX / XXXX / 2014 .     I contacted   XXXX    XXXX   XXXX  in my financial counselors ' office and she too heard them confirm my account status.
Synchrony Bank is charging lates fees for payments delivered on time. Only payment is set through XXXX for the monthly payment. What they do is send the timely payment bank to XXXX and making the payment late so they can collect late payment fees. I already check with XXXX XXXX and the fraudulent action is from Synchrony Bank. I gess if the do this to XXXX of people they collect an inmense amount of money doing fraud transactions and abusing clients like me.
I received info from Equifax stating that the information on my credit report is accurate from XXXX XXXX XXXX, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.
I purchased a samsung galaxy phone from a XXXX representative and was told at the time of the purchase that it came with a free tablet and that there was no contract and that I could cancel the device at any time. My phone was stolen and I immediately called and reported it and was told that my service would be cancelled and I would not be billed for anything but the price of the phone and to return the tablet to the nearest XXXX store. The store refused to even let me pay for the phone and said I breeched my contract and that I owed over XXXX dollars for the phone, tablet early termination and other fees. I also could not pay or work out any deal with XXXX because they referred it to a collections agency and told me they no longer were involved at all. All I have received from this is a report on my credit.
I have sent this company numerous documents to show that I was a victim of identity fraud and that these account do not belong to me I live in Ga and this hospital is in florida.
Coinbase " temporarily disabled '' our bitcoin account on XX/XX/17 and we have been unable to access the account since then
Home Bridge Financial failed to uphold it 's part of it obligation in servicing my 203 ( k ) loan. They did not properly vet the contractor. After speaking with police, the person we thought was a contractor is a con man. He does not hold a valid contractor 's license. He can not perform any work in our city. 

As required by the HUD guidelines it is up to the mortgage company to ensure that the contractor is licensed, certified, and can perform the work required. Home Bridge failed to to this. They certified a person who had no experience with construction work, was not licensed and could not complete the work. 

That would be forgivable if it were not for what happened next. According to my agreement with home bridge as evidenced in the attached documents, and to the HUD FHA Single Family Handbook, Home Bridge is supposed to ensure that all permits have been pulled before releasing any money from our escrow account. Yet Home Bridge released more that {$35000.00} to a con man without a single permit being pulled. In fact there is literally no way the " contractor '' could have gotten a building permit since he is n't licensed. 

When I begin to have issues with the contractor that seem insurmountable I contacted Home Bridge. Up to that point I thought I was dealing with a licensed contractor who was working legally. Our HUD consultant told us that the work was done and getting done correctly, and we, being completely new to this process believed that. It was not until it was pretty obvious that something was wrong that we realized it. 

We went to License and Inspections to try to get more information. It was then that we discovered that there were no permits on our property. In fact no one had ever tried to apply for a permit in at least 4 years. Confused and angry we called Home Bridge. 

We knew that we had signed a document that stipulated that money could n't be released without permits. We knew that money had been released. And we knew that no permits were submitted or granted. We did not yet know that this person was not even licensed. 

Home Bridge flat out denied that they had any obligations to check out our contractor 's background. The also denied knowing if permits were required before the draw. They denied that the HUD FHA Single Family Handbook had any guidance on their procedure. I have sent them numerous emails. I have  made several phone calls, and i have tried to work this issue out with them. 

What upsets me most is Home Bridge, despite violating our contract and the FHA guidelines, demands that I and my husband pay for their mistakes. Even if we did " pick the contractor '' we did so in good faith and from the position of first time home owners. Home Bridge was supposed to be a check on our inexperience. They we supposed to make sure this situation did n't happen. Instead it seems as though the did not do what was required of them and are content to ignore the issue while demanding that we pay them money they had no right to give in the first place.
My spouse and I both have Chase Auto Credit loans. My loan was financed about 4 1/2 years ago and my husband recently financed a XXXX XXXX XXXX. We also have two Chase credit cards. When the auto loan was funded, Chase immediately linked it to his other account. So, I went in to the account to schedule the first payment. It would n't allow me to schedule it because it stated a bank account had not been linked. So, I went into " add external accounts '' and added our checking account information. Then, I received an error message that stated an account with this information already exists in another profile. So, I messaged Chase about 48 hours ago to let them know we were experiencing a problem linking the checking account. I had the same problem 4 1/2 years ago when I purchased my XXXX, because our account information was linked to my credit card. As of today, I still had not heard from Chase. So I called them like I did 4 1/2 years ago to resolve the problem. The first rep I spoke to suggested adding more zeros to the beginning of the account number. This way it would trick the system into thinking it was a new account number. I told him hemust get this complaint a lot, and he laughed. I told him that I would have thought that Chase Auto Credit would have fixed the problem by now, and I asked him to bring it to someones attention. He told me that I would need to complain to someone in the auto credit division and he transferred me. Then, when I complained to the person in the auto credit division, she stated I had the wrong department and was going to transfer me again. I told her not to bother ; instead, I would just file a BBB and CFPB reports. First, a customer should n't be transferred numerous times to different department to complain when they are not even the right departments. Second, the way Chase is handling bank account set ups is archaic and they should have been able to fix the problem by now without wasting the customer 's and their call agent 's time.
Since XXXX XXXX, 2011 and to date I have been using XXXX as my line for telephone, internet and cable TV and have been paying my bills through XXXX without interruption. 
I can not pay for the same telephone line XXXX XXXX XXXX when I never use their service. I have evidence that all my phone bills were paid to XXXX.
On XXXX/XXXX/17 I was notified by my XXXX carrier, Capital One Bank, of {$4000.00} in fradulent charges to the XXXX online store. My XXXX had been hacked and my identity was used to make the purchases. The hackers were able to change my password, lock me out of my XXXX, manipulate my e-mails, remotely print out a gift card from my XXXX and foward my telephone calls to a bogus cellphone number in order to keep me from discovering the hack. In investigating how this could occur, I discovered that XXXX enters into surreptitious ( probably financial ) agreements with certain vendors to provide them with updated credit card numbers without the knowledge or consent of the cardholder ( also true apparently of XXXX and others ). They call it the " XXXX account updater ''. That process is what allowed the fraud to occur, as XXXX did not have an active card on file for me. The charges should have been denied, and that would have immediately ended the fraud attempt. XXXX told me on the phone that I could " opt out '' with the issuer ( Capital One ). Capital One said it was XXXX responsibility. In a three way phone call that I initiated that included myself, XXXX and Capital One, they just argued about who had responsibility. The Capital One rep denied even knowing about the updater procedure, and actually said at one point that someone at Capital One that neither I nor he " would ever be able to talk to '' may have entered into such an agreement. Neither would reveal the opt out procedure to me. It seems to me that these behind the scenes deals made without the consumer 's knowledge should be outlawed. At the least, we should be able to " opt in '' if we view this as a personal convenience ( beyond the huge convenience that it obviously provides for the vendors ), and at the very least there should be a clear and easy way to " opt out ''. For the consumer, who is at risk of monetary loss as well as massive inconvenience, to be excluded from the decisionmaking process regarding the release of his personal information is completely outrageous. 
I filed a complaint with my state 's Attorney General 's Office Of Consumer Protection, and they advised me that your department has oversight on these matters.
I took a student loan on XX/XX/XXXX with Citibank for an XXXX. in XXXX XXXX University. The total amount of the loan was US {$40000.00}. 

After I graduated in XX/XX/XXXX, I returned from NY to XXXX, XXXX, where I currently live. I do not have a bank account in the US. Thus, I made my monthly payments to Citibank with my XXXX  Visa credit card. 

The loan was sold to a company called XXXX XXXX and XXXX XXXX does not receive payments by credit cards ; I do not have a US checking account, XXXX does not work for XXXX, etc. In sum, I was not being able to make my payments. 

In XX/XX/XXXX I sent an e-mail to XXXX asking how to make a payment and explaining the situation. On XX/XX/XXXX I received this response : " We apologize for any inconvenience this may cause you. After review of the account, it has been referred to collections. International borrowers can call XXXX to inquire the next steps. '' I called collections various times and left messages. I also sent another e-mail to XXXX explaining that I was not able to contact collections. Finally, I was able to obtain from collections the wire transfer data in order to send payments. 

On XX/XX/XXXX I wire transfered US {$4800.00}. I informed XXXX. XXXX, however, says they do not have a way of confirming that the money has been received. Collections said on XX/XX/XXXX ( approx. ) that they have not received the transfer ; that it may take a couple more days, and that they will inform me as soon as the money was received ( I gave them my e-mail address, but, although I requested it, they did not give me any e-mail address ). 

Neither XXXX ( despite various e-mails asking the balance, requesting an e-mail for collections and asking which is the authority that oversees collections ) nor collections ( in the phone numbers provided ) have been able to give me an e-mail for collections in order to forward proof of the transfer. 

In sum, I do not know which is the balance, and I will not make further payments until I receive confirmation that the US {$4800.00} were indeed received.
Customer service would not take care of these Inquires that was not approved by me XXXX XXXX XXXX -XX/XX/XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX/ XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX
I have old negative accounts on my report that were supposed to be removed. I am unable to successfully submit a dispute for these errors, even thought XXXX has fixed the issue. See attached proof with account info.
Call many times a day to my elderly father 's home. Told to stop calling, will not stop. This is an old debt that they can not even collect on.
Capital One promotes a credit for Venture credit card customers whereby a purchase of XXXX XXXX or XXXX XXXX will be credited back to the account to fully offset the amount spent. This was promoted to me as a Venture One cardholder despite ( as I discovered months later when the credit never posted to my account ) that type of account being excluded from the promotion. The names are practically synonymous and there was no clear indication that Venture One accounts were excluded from the promotion. 

I attempted to resolve this directly via Capital One 's customer service, which is when I learned that the promotion directed at me was not, in fact, applicable to my type of account. I received several conflicting responses, was disconnected and had to start over with a new representative who gave a conflicting set of facts. No one at Capital One provided an explanation as to why the promotion was directed at me when my type of credit card was no eligible and no one offered to fix the problem by crediting my account.
I have a XXXX on my house in XXXX Ca. with KeyBank. It is a fixed rate loan for 6.99 % that I have had for about 8 years. I used it for a swimming pool, block wall etc. I never paid much attention but after check I found that the interest charged varies over {$150.00} from month to month. I have tried to contact them numerous times by phone and by their email contact but get no response. Any advice our guidance on this matter would be appreciated.
I am using   XXXX   and it 's saying my online banking is n't accurately updating my balance information and it is stalling my withdrawals
Prior complaint XXXX submitted and now closed as CFPB is accepting inaccurate and false information. New York State Higher Education indicates the loan amount is {$26000.00}. However attached supporting documentation clearly shows the loan is {$21000.00}. The payment history is nothing more than a typed document, no letterhead, no official document, anyone can type something up. The term of the loan was 10 years so if you look at the so called payment statement, I still owed over {$20000.00} after paying on the loan for 9 1/2 years?
Equifax and XXXX are reporting my total credit history to be 14 and 15 months respectfully ; thus lowering my credit score unfairly. I'm XXXX years old and my credit history is actually well over 30 years. I went through a successful Chpt XXXX BR, paying off all my previous creditors three years ago. 

My correct length of credit history should reflect the overall history ; not just the last 15 months. Only showing my credit history as 15 months, but showing my public record of a Chpt XXXX BR, does not accurately reflect my PAYING OFF numerous creditors that go back much more than 15 months. This bias negatively reflects my credit history as being short, while at the same time shows only the negative aspect of my real credit history -- the Chpt XXXX. In fact, only about 5 % of persons filing Cht XXXX complete the payment plan. This is not a negative ; it should be reflected that way. 

I paid off many accounts more than three years ago. The public record SHOWS a Chpt XXXX discharge 3 years ago -- AFTER I paid off several accounts -- such as XXXX XXXX of XXXX County mortgages and many other accounts. 

How could my credit history only be 15 months? That is incorrect.
On XX/XX/2018 made two purchases with XXXX XXXX XXXX at fair grounds in XXXX   County amounts of {$320.00} & {$2700.00}. I returned merchandise two days later in person with witness on XX/XX/2018 to the merchant. then came home and contacted Bank of America Visa to dispute charges, As I felt this was High Pressure sales and Bait and switch tactics by the merchant, to a senior citizen. The bank would not continue the dispute that I submitted twice. And I now have no merchandise ( nor don't want any ) and a bill for {$3000.00} to pay credit card. This is a known company who practices High pressure sales and bait and switch tactics. I feel let down by Bank of America. Case # XXXX & # XXXX
America Express m arkets their EveryDay credit card as provid ing 2X POI NTS  at U.S. su permarkets on up to {$6000.00} per year in purchases, but fail to provide reward points for purchases from major  XXXX  California grocery stores, specifically  XXXX  and  XXXX .  XXXX , one of the largest supermarket chains in th e US, ow ns  XXXX  and  XXXX  ; the  XXXX  Website store locator clearly shows the stores. I have purchase d $ 1000s  of dollars from  XXXX  and  XXXX . I opened a complaint wi th Am Ex  :  XXXX . Am Ex says the  XXXX  division merchant coding indicates the stores  (  which  XXXX  is a part ) are something other than supermarkets. That is just flat out wrong. I cant fix it ; Am Ex wouldnt. I am hoping the CFPB can lend a little clout to getti ng Am Ex to fix what is probably a clerical or systems error and live by what they promise.
Discover Card will not issue the proper credit for merchandise that was returned to a vendor. The vendor was selling the product as " new '' but it was not. They say that the time period has lapsed when in fact I was waiting on Discover and the vendor for a response. Have all correspondence and proof of delivery receipts.
Opened Capital One Bank account in XXXX, 17 years ago. The last payment made on this account was made on XXXX/XXXX/XXXX, nearly 15 years ago. They continue to report this debt on my credit report even though it is way more than 7 years old, in fact it is twice that old. They appear to be doing this by re-aging the debt. The collection letters now come from " XXXX XXXX XXXX XXXX XXXX '' out of XXXX, XXXX. XXXX calls me daily, 7 days a week numerous times a day from numerous different numbers f ( XXXX from XXXX, XXXX from XXXX, XXXX, XXXX from XXXX XXXX XXXX. ) They even called me from the XXXX area ( a XXXX area code ) at XXXX at night on XXXX XXXX, XXXX. Is n't that against the law? The account # is ****************
WF online offers nicknames and I tried it but it makes conflict with XXXX. So I tried to delete it and I ca n't, so my XXXX ca n't work correctly.
I rented a car from XXXX in XXXX. Two charges were posted related to the rental ( one charge denominated in USD and the other denominated in Euros ). The charge was posted on XX/XX/2018. I disputed the charge on XX/XX/2018. However, I didnt have all the details i.e. credit card statement when I disputed the charge. Subsequently I contacted Chase Bank to change the disputed amount on XX/XX/XXXX, which they told me I had to wait until the original dispute was settled When I tried disputing the additional amount, Chase declined the additional disputed amount saying I had missed the deadline to file a dispute. However I was just following instructions given to me by the Dispute department. Please refer to the attached letter I have sent to Chase. The additional disputed amount is {$150.00}.
My debt to XXXX XXXX XXXX was sent to a 3rd party collection company in XXXX. My balance once sent to collections was a little over {$1800.00}. I made payments of {$75.00} directly to XXXX & XXXX on the following dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I returned the rental instrument ( sax ) on XXXX/XXXX/XXXX to the XXXX & XXXX store, which should have credited at least another {$800.00}. I then made additional payments directly to the 3rd party collection agency ( Transworld Systems ) on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of {$75.00} each time. I have spoken with XXXX & XXXX and they told me that I need to speak to Transworld Systems and that there was nothing that they could do. They confirmed that any payments that they received from me were sent directly to Transworld. I called Transworld Systems and they had no knowledge of any payments made to XXXX XXXX XXXX, or of the instrument being returned. They told me that they would look into it and update my balance. I disputed my credit report twice and the balance still shows the original amount.