WillisBack/dataset-financial-user-claim huggingface dataset:
Promotional Balances on  Lowes Consume r Credit Card  Promotional b alances ( same as cash as long as paid within promotional payment period ) are being paid first before normal purchase balances. I have complained about this numerous times. I do not have the dates of the complaints. On each occasion I was informed that there was an error on their part and that an adjustment would be made and the amount would be applied to normal purchases instead of the promotional balance. This has been on going for many months. I have been told that it is a system error each time however even after I call none of my balances have been adjusted as they said they would be. When I call back and they tell me it could take as much as two to  three  billing cycles. It has been far more than that and still no resolution. This seems like a predatory way for the credit card company to charge finance charges to unsuspecting clients. If  one  is not monitoring how the payment is being applied then it is sure to cause unnecessary finance charges to appear on their bill.
My check was denied at a merchant in XXXX, VA due to a financial monitoring company, " Cross Check, Inc ''. When the merchant checked with the service, they said my check number had already been used. The merchant knew me and let me pay with the check. 

I called the Cross Check number and the only option an automated system gave me was to file a complaint online, by mail or by automated phone line. 

My bank account showed the last check issued and it was not the check number being used and the bank balance was fully funded. This was an unnecessary embarrassing situation due to bad information by Cross Check XXXX Inc, and they gave me no option to find out what caused their system to deny my check other than file a complaint.
Applied for a capital one card with a promo code. I applied AND WAS APPROVED for a platinum card for  XXXX . I was given access thru the wallet. 3 days later. Acct restricted cause the code was sent and used to thousands of other. So accts were restricted. They sent out the card. Cant use it now its closed and was told there was nothing that can be done. Not all who uses this code was approved. Not sure how its considered. I used my social. My dob. My info and a hit to my credit and was just told oh well..
I was two months ahead on my mortgage, then within 10 days, countrywide foreclosed on me stating that I was 2 months behind, all within 10 days, I proved to them on several occasions that I was correct and that they are wrong! Several of their people agreed with me in my assessments, but, were no longer in contact with me! They lied cheated, defamed me and foreclosed on me, then coerced me into a very false modification, what I originally read and thought I had sighed, turned out to be significantly different! they put a balloon payment with an adjustable rate and then put 40 years to pay, Incredible!!! 
This has cause me extremely great distress and hardships, while destroying my credit and any hopes of paying off the mortgage! Please any and all help would be greaty appreciated! 
Thanks sincerely, XXXX XXXX XXXX XXXXXXXXXXXX
Applied for Mortgage loan, and noticed this account on my report. Attempted to contact the listed creditor name ( XXXX ), who informed me that this account now belongs to XXXX XXXX XXXX XXXX, and to contact them at XXXX. Ive never received any notices from either XXXX nor XXXX XXXX XXXX XXXX about any accounts nor do I recognize this account. This account does not belong to me.
Sears Master Card from Citibank has a points program " Shop Your Way '' which supposedly tracks your purchases, provides a " pin '' number for use during the purchase and tracks what you spend and applies the " accrued points '' for use on your next purchase. This is a joke. It does n't work properly and when you try and resolve anything, nothing happens. Sears does not manage the program. It signs you up automatically and does n't assume any responsibility for errors through Sears ' " customer service ''. 
I have been attempting to find answers for two business days and all I get is a '' robo '' e : mail telling me to check their website. Talk about going around in circles. I do not recommend Sears for anything and will cancel my charge card there. I 'm sorry I ever agreed to open it. Not to mention the interest rate is horrendous.
Bridgecrest falsely reports a debt for {$16000.00} from XX/XX/XXXX to XX/XX/XXXX have received threatening letters and phone calls from the debt collector
PARALLEL COMPLAINTS against both XXXX XXXX XXXXXXXX ( XXXX ) ( FALSE & UNAUTHORIZED REPORTING ) AND EXPERIAN ( REFUSAL to REMOVE this FALSE, FRAUDULENT AND UNAUTHORIZED REPORTING from my credit report, even after I have submitted ORIGINAL PROOFS that this FAKE account is RESCINDED/NEVER EXISTED ) which CAUSED MY CREDIT SCORE to PLUNGE from XXXX to XXXX  or about 170 points in the past five ( 5 ) months which NOT ONLY DESTROYED my otherwise IMPECCABLE credit for the past 30 years and further CAUSED one NEW ( that I know of ) credit card company to LOWER my credit limit from {$20000.00} to {$12000.00} due to the drastic, incorrect even though it is improbable and unlikely score ), which are my DAMAGES. 

XX/XX/XXXX Wrote a Letter of COMPLAINT to XXXX XXXX regarding this fraudulent transaction. 

XX/XX/XXXX - First reported ( for the very first time ever because I do not have any " loan '' account with XXXX ) XXXX XXXX Acct # XXXX ... as a NEGATIVE, ADVERSE account ( 30 days late for a measly {$170.00} that I NEVER OWED ). 

XX/XX/XXXX Filed my first dispute with Experian and nothing happened DESPITE ALL the SUPPORTING DOCUMENTS I MAILED to Experian re : the FRAUDULENT TRANSACTION with XXXX XXXX including the letter I wrote to XXXX on XX/XX/XXXX. 

XX/XX/XXXX RE-filed my second dispute with Experian, and again nothing happened for another month. It would seem that Experian is in cahoots with XXXX in an all out malicious effort to DESTROY my otherwise excellent credit. They should know because XXXX pulled my credit WITHOUT MY AUTHORIZATION on XX/XX/XXXX which at that time, my score with MORE THAN XXXX or in the  excellent category. 

XX/XX/ - Wrote a FINAL LETTER this time to the PRESIDENT of XXXX XXXX , XXXX ( and all affiliated companies ), regarding the FRAUDULENT transaction aforementioned, and the IMMEDIATE REMOVAL of their adverse account from my credit report, and the REMOVAL of an UNAUTHORIZED CREDIT INQUIRY made by XXXX on XXXX from my Experian report. 

XX/XX/XXXX - a TERMINATION of the said AGREEMENT was executed and signed by XXXX and by me, which I mailed the ORIGINAL to EXPERIAN, and instead of IMMEDIATELY REMOVING the ADVERSE ACCOUNT from my report, they UNNECESSARILY re-filed A THIRD DISPUTE with XX/XX/XXXX giving them another 30 days to respond. 

30 days have ended thrice. And the ADVERSE ACCOUNT is still in my report and my credit score with Experian only is getting worse, now in the low 600s, instead of the high 800s. Every time I call Experian ( they never answer the calls or the waiting time is forever ) and every time I went to their website ( which never works ), it does not give me access because the " DISPUTE IS forever ONGOING ''. 

I have called XXXX XXXX MULTIPLE TIMES, MULTIPLE DEPARTMENTS, and they deliberately, continuously give me the run-around. The Escrow Department and the Finance Departments REFUSE to inform Experian that this phantom account NEVER EXISTED AND TO IMMEDIATELY REMOVE IT, including the REMOVAL of their UNAUTHORIZED CREDIT INQUIRY.
{$1200.00} was to have been refunded to my Paypal account by the XXXX XXXX XXXX when seller, XXXX XXXX XXXX, XXXXXXXXXXXX cancelled and supposedly refunded on XXXX XXXX, XXXX. Seller claimed the guitar I bought was defective. Original purchase was on XXXX. Seller has already relisted the guitar on XXXX without having completed the refund. 
I attempted to contact Paypal on two dates several times to resolve this fraud ... XXXX/XXXX/XXXX ... calls would not go through or would get disconnected. XXXX Paypal was closed! 
Transaction number XXXX.
I have contacted Transunion and XXXX as well as XXXX/XXXX several times for incorrectly reporting a payment was late in XXXX 2017. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XXXX 2017. The company XXXX/XXXX, claims they have sent Transunion and XXXX  information to remove the late payment reporting for XXXX 2017 but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXX as this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.
I get robo calls from XXXX USI Solutions , Inc. to my phone XXXX at least several time per week. I am on the do not robo call list. They say they are a dbt collector. I phoned them once on XX/XX/2017 and asked for documentation and gave them my XXXX, XXXX, OK XXXX address and gave them verbally 30 days to respond. I told them to stop calling until I got the documentation at which time I would call them. I have never received the documentation. They have continued calling throughout the relevant time period. When I try to call them I get no answer. I have tried repeatedly to call them and there is never any answer. Please help me to stop this harassment on my business phone number.
Portfolio Recovery has refused to remove a debt off of my credit report after being paid in full. They refused to accept payment and had me pay an outside law firm then once the debt was paid with the law firm Portfolio now refuses to remove the debt. They maintain that the debt still has a balance after being paid with the law firm. Portfolio has taken the stance that until they get " paid '' by the law firm for the amount owed that they will not remove the debt from my report. I have provided them with a pay off letter from the law firm and even told them I would send bank statements showing the removal of the funds from my account. Even after they have received this information they will not take the debt off of my record and tell me to contact the law firm that was paid and tell the law firm to pay them the funds. When I contacted the law firm they said that I need to contact Portfolio. I have been pushed around between Portfolio and the law firm that represents Portfolio. I am unable to obtain credit due to this breakdown in Portfolio 's system.
Case # XXXX I have been trying to get this matter resolved for over a year to no avail they claim that I have not paid the mortgage, yet they have accepted online bank payments and cashed checks, Then sent delinquency notices for the months that they cashed the checks for. they have repeatedly returned payments and I sent them back. 
There are payments that they did not return nor have been applied. 
They make collection calls yet it is a different person each time and they do not have my full account information. Many time it is very hard to understand them. 
They have falsely reported to the credit bureaus and HUD that I am not making payments. 
..
An account showed up on my Transunion credit report that I have no knowledge of. They show I opened an account with XXXX XXXX XXXX XXXX , XXXX , OH XXXX, on XXXX XXXX, 2017 for {$3000.00}. I disputed the account with Transunion and they told me it was my account. I contacted XXXX XXXX and their fraud people said they would email a fraud packet to me but they would n't give me any information about the account that is supposedly mine. I have no idea where it was even opened. I have not received anything from XXXX XXXX and have reported the fraud to my local police dept. I suspect XXXX XXXX knows this is n't my account and they could have easily prevented this just by pulling my credit report. I have reported the fraud to the XXXX, NM police dept case # XXXX
During the course of servicing my loans, Sallie Mae ( later Navient ) would not allow me to consolidate ANY of my loans. Further, i was not given the opportunity to enter into an IBR plan. I was constantly told I could only do a temporary " economic hardship '' or defer my payments. Over the course of the servicing period, I had to do BOTH economic hardships and deferments on my payments. Sallie Mae also attempted to claim I defaulted on a payment due to their own mistake ( luckily, I was able to prove to them that the payment was made and the mistake was on their side ).

In 2015, my loans were moved to another carrier in which I was able to consolidate the loans AND enter into an IBR plan.
My credit card account was shut down with a rewards balance of {$760.00}. The points are now gone from the account and I have no access to them from the website.
I 've asked Equifax several times to remove a XXXX XXXX / XXXX from XX/2012 from my credit reporting it has been paid and reads {$0.00} balance. They keep telling me it 's up to XXXX
Paid account to reflect a {$0.00} balance but Chase has not contacted the credit bureau to report account having been paid off.
This debt does not belong to me. Does this company " Ability Recovery '' whom I 've never heard of have any financial instrument with my signature on it? 

I do not owe this money. 

Please see attached.
XXXX of this year I took out a loan with this company. Things feel apart after, They began to take money out of my account on a random basis and multiple times a week, I had to contact my bank, file a fraud report with them. I filed a BBB compliant as well. I had to change my debit cards and my checking account information. This company took money from me ranging in amounts of XXXX to XXXX per week. I have correspondence from all of this including the BBB incident number XXXX. So over the weekend I get a letter they have turned me over to collections for this huge amount. I am beyond upset, I do n't owe these people money, they took advantage of me, and now to have them attempting to collect this is horrible. I have submitted to the collection agency who is XXXX Offices of XXXX XXXX and their number is XXXX.
someone is using my identity in XXXX Tx. Ive never been to texas. I live in Florida. I 've complained to all the credit bureaus and nothing has been done. I notified the companies involved and they did nothing either.
Over four weeks ago, I found out that Ditech.com reported that I had a late payment XX/XX/XXXX. 
I have called, emailed, spoken with XXXX different people including supervisors. After speaking with XXXX, who was very nice, I was assured I would get a letter from correspondence stating that I never had a late payment XX/XX/XXXX. Today, I got a letter and this is all that it said : " Please be advised that as of today 's date the account is current and next due for XXXX XXXX, XXXX. There are currently no outstanding late fees. " The people over the phone confirmed that I have NEVER had a late payment with and NONE should be showing up on my credit report. 

I have requested a letter from Ditech requesting that in writing and was promised I would received one. It seems like they are purposely trying to ruin my credit rating. 

I am attaching the payment history that was sent to me by Ditech.com, screenshots from their website showing my account history and when my payments were made XX/XX/XXXX and a screen shot from XXXX website showing the false late payment.
My mortgage was transferred to XXXX, then to XXXX XXXX XXXXXXXX, then to XXXX, now to XXXX. XXXX XXXX holds my half mortgage payment until they receive the whole mortgage payment. I pay them on time or within the grace period. They retain the interest they are earning on holding my half payment. They hold the half payment until they receive the other half and then apply it to my account. I called them XX/XX/18 to discuss this and they insist that it is not their policy to accept biweekly payments. This policy is not listed in the " Welcome! '' materials they sent me. I did not ask to have my loan transferred, yet again, to a company that I can not trust is following ethical and legal banking practices. The supervisor in customer service at XXXX tells me that they also can not apply extra funds to my account unless I tell them where to apply it. Logic  tells me to automatically apply extra funds to principal unless I ask them to apply to interest or escrow. XXXX insists that i have to tell them where to apply the funds. My XX/XX/XXXX payment had an extra approximately {$5.00} included. They automatically applied it to principal. Yet on the phone, they tell me that I need to tell them where to apply it. After I pay XXXX 's payment in full, if I send them a half payment on XX/XX/XXXX, they will automatically apply it to principal instead of hold it for XX/XX/XXXX payment. This directly contradicts what they said about holding payments until they receive full payments. 
I believe XXXX XXXX  is not allowing me to pay principal faster, forcing me to pay full interest when I am sending them money ahead of the due date. They are also retaining the interest earned on holding my money. It needs to stop. They are stealing my money, fraudulently holding it for their own gain, and misleading financially sound consumers trying to pay their mortgage down faster. This system is set up to fail the homeowner and only pads the pockets of mortgage companies. It needs to stop.
Please see complaint XXXX for background. 

The credit company listed in previous complaint would not answer my attempts to resolve debt. XXXX XXXX XXXX passed the claim my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. All communication between myself and XXXX XXXX documented in previous complaint. They then sold my debt at of XX/XX/2018 to XXXX. 

They ignored multiple communications from myself attempting to resolve this debt and have now passed along my details to another debt collector who has added additional collection fees. The debt keeps raising and no one is willing to resolve this debt because they say it is no longer theirs, as XXXX XXXX did on the original complaint. 

Is this behavior legal because it appears to be a manipulation to extort additional fees and an active ignoring of my attempts to resolve this debt. This pattern began with XXXX XXXX and has continued.
The total balance of the XXXX XXXX was paid in full in XX/XX/2018. The balance still have been failed to be updated correctly of transition, XXXX, and XXXX. Tried to resolve with XXXX but failed to do so. I need the correct balance of {$0.00} to reflect on the credit report.
I am writing to dispute a billing error in the amount of {$1500.00} on an XXXX XXXX XXXX statement sent from XXXX XXXX XXXX. The amount is inaccurate because when the service was disconnected, I sent a check for over {$500.00} that was returned, which was the total amount due. The service was off, and from my understand there was only the amount for the next month owed that was not {$1500.00}. Im not sure why the account kept being charged after it was not on. I paid the check through a collection agency, and this amount was never credited to the account. I was sent a bill, not an itemized statement explaining the charges. This account has been disputed before, but for some reason this company added it back on my credit report. 
Enclosed is a copy of the bill that was sent to me from Afni. I do not owe this amount. Please investigate this matter.
I was in a loan modification for two years made payments on time and they did an escrow analysis. My payments went up and I could not afford my payments so I filed a chapter XXXX and the bank foreclosed when I was in an active chapter XXXX.
i have unathorized credit inquires on all 3 credit report agengencys XXXX transunion and XXXX
Good morning, I am trying to obtain a lien release letter for a vehicle. The vehicle was purchased and paid off approximately 10 years ago by my parents. My mother recently passed away and I am the Executor of her estate. I am trying to assist my father in obtaining the title for this vehicle so everything can be switched to his name. I can not get a title for this vehicle until I provide a lien release letter to the motor vehicle. The loan was originally obtained through the XXXX XXXXXXXX XXXX XXXX. After doing some research, I found out that this company was brought by Capital One. My Dad and I went to a local branch and tried to obtain the lien information in XXXX, but there was no record of it. I came across the FDIC after further research and it was suggested to contact Capital One directly, however I did that already and was unsuccessful.
I believe my identity was stolen ... I received a call from father some law office XXXX XXXX XXXX XXXX XXXX stating about some charges ... then I was contacted today by them stating if I did n't respond ... they did n't hear back from me they would contact the county clerk office ... I called them the gave me Ge Money bank ..and said I made some payments on a luxury vehicle using a master card ... I do n't own a master card and nor have I owned a luxury vehicle ... I believe my identity may have been stolen
I have been mailing my mortgage payment to Ditech for three months and each time the payment is mailed back to me with no explanation. Upon calling Ditech, I am being told I did not include the late fee and per FHA if all fees not included the payment can not be processed and must be returned to the homeowner. I then include the indicated late fee with the original mailed payment and mail back to Ditech only for the payment to be mailed back to me with a new late payment fee that was n't mentioned before. This has occurred three times resulting in my mortgage now being late for several months. I feel Ditech is purposely causing my mortgage to fall behind in an effort to foreclose on my home. My loan was recently sold to Ditech from Greentree Mortgage and since being with them I have had nothing but problems. My loan was modified with Greentree about two years ago. I can not believe I am having this much trouble mailing in my money for my mortgage payment. I have never heard of this so-called FHA new rule Ditech is speaking of and nor have I ever had my payments returned for late fees. The XXXX payment in the amount {$600.00} was returned to me XXXX/XXXX/17 and per the representative, XXXX, Ditech wanted two months payments and that was the reason for the return. In XXXX I mailed {$1200.00}, which was returned to me. I phoned Ditech and spoke with XXXX, she indicated the late fee was not included and that was the reason the payment was returned. I included the late fee and mailed back to Ditech in XXXX. In XXXX, the payment was returned again to me. I contacted Ditech, spoke with XXXX XXXX on XXXX XXXX, 2017, she indicated the payment was returned because I mailed {$1200.00} and the payment is now {$1300.00} I am not sure what or where the fees are coming from. With the returned check there is no correspondence explaining the reason the check is returned. I have to call and find out each time what is going on with my mortgage. This is ridiculous. Ditech is holding the payment for a month and then returning the payment for non-payment, when in fact I am mailing the payment and they are sending it back to me. I do not want to lose my house because of a corrupt mortgage company or system.
I received a credit alert friday XX/XX/XXXX about an Auto loan application from XXXX, i called XXXX to let them know that was a fraudent application and to ask them why they didnt call me because i have a fraud alert in my credit report, i have been a victim of identity theft in the past. XXXX apologized and told me they already ask Experian to remove the fraudulent hard inquiry from my credit report but the inquiry still there nothing has changed, i called Experian but theyre not willing to help me. Please remove fraudulent hard inquiry from my credit report XXXX XXXX XX/XX/2018 XX/XX/2018
CRA VIOLATION NAMES ALL WRONG MUST REPORT 100 ACCURATE AND INACCURATE INFORMATION MUST BE REMOVED