WillisBack/dataset-financial-user-claim huggingface dataset:
Derogative credit report but I never received or been called for collection service. Plus I paid thinking it will be removed but still here
I have received XXXX credit reports from Equifax during the last year. Each report has shown a different credit score give n to me and to the bank. One score given to me from Equifax on XX/XX/XXXX was XXXX. Equifax gave XXXX a score of XXXX on XX/XX/XXXX. A discrepancy of XXXX points negative. 
On XX/XX/XXXX Equifax gave me a score of XXXX and a much low er score to XXXX. This has happened many times over the y years. Is there a double standard at play with these credit agencies? I have been refused several loans over the years, could this have been the reason? How do I proceed?
Hello this is more of a general complaint that I felt obligated as a professional to let the CFPB know of illegal practices taking place in my area. There is a mortgage company Acre Mortgage and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. The loan officer name is XXXX XXXX. He charged one of my clients {$2000.00} cash to help her find a loan a week before closing and told her that she would not get the loan or do the closing if she did not pay him. He also filed her tax return in the work office so that she could have a fake business loss so he can qualify her for a low income loan. He also did not sign the return as a tax preparer. Unfortunately this person is only XXXX  speaking and a first time home buyer and was unaware of what Mr. XXXX XXXX was doing. Its unfortunate that as a XXXX he is taking advantage of other minorities instead of helping them.
I received a late payment alert on XX/XX/, I called Honda and they acknowledged that I did receive my payments and needed to turn my vehicle in. I explained I had already returned my vehicle and gave them dealer information. They still reported a 30 day late, I disputed with the credit bureaus and was able to remove the late from 1 of them. But 2 bureaus was not removed. I sent a letter on XX/XX/XXXX, they sent me paperwork showing my payments which were not late but still reporting a 30 day late.
I received a call from this number, XXXX, and as soon as I answered the phone they hung up. I called the number back and asked if someone called my phone and was asked was I my name. I said yes and the person on the phone said unclearly that they were RPM a company based in XXXX, WA and that this was a business call. I asked a business call pertaining to what. We are a debt collector. They said my address to me without the zip code and I said yes. I asked who are you and if I owe a debt mail me proof of the debt. The person asked me to verify my zip code and I responded with you have my address and zip on file. The person hung up the phone on me. I called back more than XXXX times and was hung up on each time. I spoke with a supervisor who also hung up the phone and would not disclose any information about the debt if one even exists. I called again and was told the company 's name is Receivables Performance Management. I XXXX this information and their address is XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX. This company 's other phone numbers XXXX and XXXX, which the last number I have seen on the caller ID many times.
JH Portfolio i s attempting to collect a debt on behalf of  XXXX   XXXX . I did not receive a right to dispute the alleged debt. I s ent JH Portfolio a  validation of debt letter and they sent me a bill as validation of debt. I sent them another letter on  XX/XX/2017    asking them to validate the debt as a bill is not validation. I also asked them to send me a copy of the agreement between the company and myself where I stated I agree to pay the alleged debt. The company has not responded.
I feel as though I 've been subjected to predatory loans as a result of taking out private student XXXX loans. My loans, nominal in nature, have been regularly paid for the past 10+years, and I have seen little to no reduction in principal balance. I feel as though this was misrepresented to me when I originally signed up for these loans.
I have been trying to restructure my mortgage for an affordable payment with Wells Fargo for years. They continue to stall and delay working out a favorable solution. I heard from Senator XXXX XXXX office who is attempting to assist me and they said Wells Fargo told them I have qualified for a restructuring with an interest rate of 3.75 % and a mortgage payment of {$960.00} a month. My previous payment was {$910.00} a month. When I started this process I was looking for a lower, more affordable payment. If I can not afford a {$910.00} a month payment how can I be expected to afford {$960.00}? 
Wells Fargo refused to negotiate with me when the market was down and my house only appraised at {$88.00} but now that the market has recovered they are trying to extort as much as they can from me. 
They are calculating this payment on my current income however I will be loosing my XXXX payments of {$1500.00} a month in XXXX and I start repaying my student loans in XXXX. 
There are several affordable payment options they could use to get me a {$700.00} a month payment but they refuse to even consider them.
In  XXXX   XXXX  I purchased a  XXXX   XXXX   XXXX . In  XXXX   XXXX  the car was repossessed for delinquent payments. I paid {$980.00} to recover the vehicle and deferred the current payment (  XXXX   XXXX   )  to remain in a good standing making  XXXX   XXXX  the next payment due. A month later in  XXXX   XXXX  the car was repossessed and was not behind in any way shape or form. 3 days after the car was repoed  Westlake Financial r eleased the vehicle at no expense to me. I later filed complaints with the cpfb and for a few months  WF  responded. I have n't heard anything in months from them, On  XXXX   XXXX  WF repossessed and I was forced to file Bankruptcy ch.  XXXX  to recover the vehicle. WF are very unprofessional rude and just out right nasty. I have had only one rep to show some type of compassion or customer towards the situation. I am currently still trying to recover the vehicle.
Contacted Wells Fargo in XXXX, XXXX, and XXXX of XXXX to dispute two late payments for XXXX and XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by Wells Fargo. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.
I have no knowledge of any debt with XXXX XXXX XXXX. I was a customer in the past and talked to customer service after switching to XXXX on SEVERAL OCCASIONS and was informed that I had a {$0.00} balance. Six months later I received a bill for over {$400.00}. This is the ONLY collections item on my credit report and it is negatively effecting my score. I have requested that it be removed and it has been removed from two bureaus, but still shows up on XXXX. I have been called multiple times and threatened to be sued for a debt that is not mine.
I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in XXXX
XXXX
The company XXXX XXXX XXXX XXXX, which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report XXXX 2015 and XXXX 2015 with XXXX, Experian, and XXXX credit reporting agencies.
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank youXXXX XXXX XXXX XXXX
I received a notice dated  XXXX / XXXX / XXXX  from my lend er, Fifth Third Bank,  regarding a shortage in my escrow account that I needed to pay by  XXXX / XXXX / XXXX . Upon inspection of the notice, I found several errors. First, the escrow statement showed that my lender was continuing to deduct PMI monthly, though no PMI payments have been reflected on my monthly mortgage statements since  XXXX   XXXX . I sent Fifth Third a request to stop PMI once I reached 80 % LTV ; by  XXXX   XXXX  my payments put me at 78 %  of LTV  so Fifth Third Bank is illegally containing PMI on my mortgage account, and have been doing so for months without my knowledge. Second, my escrow statement includes projected PMI payments well into  XXXX , though I am already below 78 %  LTV  ratio. Finally, escrow statement includes a double payment on my homeowners insurance for  XXXX  -- which they paid in  XXXX   XXXX  and my statement shows an additional  XXXX   XXXX  mortgage payment, which accounts for most of the escrow underage they claim I owe.
Equifax, through their negligence, compromised the personal data for me and 150,000,000 fellow citizens. This is unconscionable and needs to be addressed. I do not want a {$2.00} class action settlement or some token gesture of a " free '' year of monitoring ( after which I would need to pay them. ) I want and expect them to take ownership of their negligence and provide, in perpetuity, a credit freeze and/or fraud alert on all of the credit bureaus for all of my personal data. 

To expect me to pay *them* {$10.00} to freeze, and again to unfreeze, my credit data for both me and my wife due to *their* negligence is outright criminal and needs to be addressed as soon as possible.
XXXX, a crypto currency exchange, refuses to return {$32000.00} to me. I am Tier 3 verified and supposedly have {$25000.00} daily {$200000.00} monthly US Dollar withdrawal limits. 

I tried to withdraw {$25000.00} on XXXX XXXX, XXXX. After that failed I tried again, with a lower amount ( {$20000.00} ) on XXXX XXXX. Again I was denied. 

Yesterday, I received the explanation below : " The reason your transaction failed is because it is above the annual USD transfer limit of $ XXXX. 

This limit is put in place by our USD funding partner due to compliance restrictions, and is not the same as the limits permitted by XXXX at Tier 3. We are currently working to increase our funding limits and are hoping this will roll out within the next month or so. 

Since you intend to deposit or withdraw large amounts of USD, you might consider our Tier 4 or Corporate account options. Otherwise, you can withdraw your funds as crypto. '' How they can claim to have a {>= $1,000,000} annual US Dollar withdrawal limit on their site when the actual annual limit is only 2 % of that. It feels like theft to me.

I pay all applicable taxes, comply with all applicable laws, have nothing to hide, and applied for the " Tier 4 '' option as they requested, but my money is still held hostage.
I just received a " Settlement Offer '' from a collection company which I never had any contact with them on an unknown debt in the amount of {$55000.00}. 
I have asked them to show me some documents if they think this is my debt but have got nothing, no reply.
On XX/XX/2018, I went to XXXX XXXX to purchase a wedding dress. When I walked in the bridal shop, there first question they asked me was, " what size are you ''? I told them that I am a size 4. They measured me and said that based on my measurements, I am a size 8. I assured them, that I am not a size 8. They were insistent and said that based on the designer 's sizing, I measured that size. I took them for their word, and put down a deposit of {$600.00}. The wedding dress came in a few weeks later. I went in for my fitting and the dress was too big! XXXX XXXX told me that now, I would have to pay {$650.00} and get four alterations to the dress. This doesn't make any sense. If you measured me to the designers measurements, how is it that the dress doesn't fit? I contacted the Dispute Unit at Citibank and they initially reversed the charges and gave me the {$600.00} deposit. XXXX XXXX responded and said that I signed everything and that all sales and showing the manufacture 's sizing for the dress. Well that doesn't matter, because the dress still fit too big. And it doesn't matter if I said any documents. This wasn't a final sale, and people break contracts and leases. Just because I signed something, doesn't mean that XXXX XXXX wasn't deceitful and dishonest. I realize they measure you to a bigger size, so that later, they can charge you more for alterations. I found an article from XXXX magazine that supports my complaints regarding XXXX XXXX. XXXX XXXX XXXX. This was a celebrity who came into the store and she is normally a size 12, and they told her that based on the measurements, she as a size 18. When she went to the fitting, it was way too big and she complained and got her money back. I am not a celebrity, but I should be treated with the same respect as she was. I feel ignored and honestly betrayed by Citibank. I've been with them for 13 years, and they decided to take the merchants word on this. It's disappointing. All I want to do is a plan a wedding and not think about this any further
Dear Sir/Madam, I had taken out a loan on auto from Santander bank , in 2014 , i  paid off the loan on first week of XXXX . I asked the bank as well notified by confirming with the consumer bank team that the loan is paid off. Since then i am have been getting a run around from  address confirmation, shipping of title , release letter and so on, everytime  i call a new supervisor comes on board and gives a new story where they say the title and lien release letter has been sent via XXXX XXXX , sometimes they regular mail, 7-10 business days, recently employee XXXX supervisor refuse to verify anything, providing incorrect info from all previous supervisors. she again stated a new ship date which was again XX/XX/XXXX and she turner around and stated, its has to be notarized and a lien release -letter sent and then may be    days ..she  never wanted to give accurate info. I am very upset , since i recently sold my vehicle and the gentleman who bought was with at the bank as they told him 7- business days, but up till no i am getting run around . Please i need some assistance or push the bank to act and take responsibility for their actions.i can be reached at XXXX
On XX/XX/XXXX, I purchased a new XXXX XXXX XXXX from XXXX for {$240.00} for my daughters birthday using my Bank of America XXXX. I received the package on XX/XX/XXXX. As this was a birthday gift for my daughter, it was not opened or inspected until XX/XX/XXXX ( kept in the original packaging ). Immediately upon opening the original box from XXXX XXXX, the laptop screen did not work properly. The screen flickered and was blank on one half of the screen. On Monday, XX/XX/XXXX, I called XXXX XXXX and was told that they would exchange it and to bring the laptop to the local XXXX XXXX in XXXX, MA. On XX/XX/XXXX, I brought the laptop to the XXXX XXXX return counter in XXXX, MA. They instructed me that I had to go to the XXXX XXXX counter, despite my insistence that the computer was being returned for a replacement, as per XXXX XXXX posted return policies. The gentleman at the XXXX XXXX counter looked at the laptop for XXXX seconds and said that I had damaged it. I explained to him that when the laptop was opened for the first time, this was how the screen looked and that there was no damage ( as he admitted ). He refused to accept the return and told me I would have to pay them to fix it. I refused. That same day, I called XXXX XXXX back to inform them of my experience with the local XXXX XXXX   store. The customer service rep then informed me that they do not accept returns for damaged goods, despite their online return policy stating otherwise. She also refused to accept the return of the defective product, despite their online return policy stating otherwise. I initiated a chargeback with Bank of America on XX/XX/XXXX and was issued claim # XXXX. I was told by their customer service rep that I would receive more information in the mail requesting additional information. I never received any mailing asking for additional information or any other information. On XX/XX/XXXX, I received a letter from Bank of America informing me that my claim for chargeback was denied. I sent in a statement and rebuttal of that decision on XX/XX/XXXX, after speaking with their customer service. On XX/XX/XXXX, I received another letter stating the claim was again denied. I purchased a product from XXXX XXXX that was delivered defective. I attempted to exchange the product as per XXXX XXXX XXXX  policies posted. I was denied by XXXX XXXX, despite their posted policies. I initiated a chargeback with Bank of America. Despite proving my case, the denied my claim. The paperwork from XXXX stated that Bank of America did not process their paperwork in a timely fashion and was denied due to the claim being submitted beyond the 30 days required. I filed my paperwork timely, as agreed. 

In addition to the above complaint, Bank of America has tried to contact me via telephone after I made several complaints to regulatory agencies. I wouldn't consent to Bank of America recording the call and they terminated the call. I don't trust Bank of America for obvious reasons.
I have a Macy 's Credit Card, we recently purchased a mattress and chose the 12 month " no interest '' plan. The problem is that there is no option on the bill or on line payment, to pay the minimum balance due and allocate payment towards paying down the " special events '' balance. I have spoken to credit many times and they stated that the payment could be made if I talk to credit each time I make a payment and tell them how I wanted the payment allocated. Now it 's been 3 months in a row that I have done this and so far it has not happened, every payment has only paid down the revolving balance. No matter what I do they always take the total amount I send and only reduce my regular account and never put anything towards " special events '' balance. When the 12 months are up they are going to hit me with all the deferred interest. Never was I ever informed that in order for me to take advantage of the " 12 months no interest '' did I have to pay my revolving down to zero before my payments would be paying down my " special events '' balance. I spoke to the salesperson in the store and she had no idea that this situation existed. I think this is situation needs immediate attention and Macy 's should be held responsible for deceptive practices in credit offers. 
I have also encountered the fact that I can not enter my Macy 's account online. When I try to enter they say the information is invalid. They ask for name on card, birth date and last XXXX of SS #, an d when entered they say information does not match, this is indisputable information. Now I can even enter the Macy 's website to pay my bill. 
The credit department has been contacted and nothing has been accomplished except for the hours I 've spent on hold and talking to the XXXX. 
Please research this situation for bad credit practices.
We filed a XXXX back in XXXX or XXXX and did NOT have our XXXX or our XXXX mortgages included in the XXXX. The lawyer never sent us anything to let us know that we were going to re-affirm our mortgages, stay in the house and keep our payments on time, which we have. NEITHER XXXX XXXX XXXX # XXXX or Compass Bank ending in XXXX have been reporting our payments as being on time since then. Our credit scores have suffered because of this and prevented us from getting the lower interest rates on car loans, credit cards, etc. We did some research on the XXXX and found out that he got his licensed suspended at the time because of numerous complaints.
Americollect is not sending the information that I 'm requesting to Validate the debt they are not sending me a copy of my signature with the provider of service to release my medical information to them. That 's means the debt can not be validated.
Aqua finance, financial systems of greenbay and there investors are increasing there harassment again. We are a little behind in our mortgage and I guess they think this a opportunity to incorporate there extreme harassment tactics. Since Monday were having problems with our cable service, we 're having major telephone harassment, on yesterday XXXX/XXXX/15 a truck driver driving a semi acted like he was going to run me over and yes he was looking directly at me! The harassment intensified on Monday and is still continuing. There trying to intimidate us into not paying our mortgage there by going into foreclosure and ultimately loosing our home. That was there goal from the beginning and in my opinion AQUA Selling us that defective equipment was a set up from the very beginning! We 're constantly reading various stories on AQUA 'S rip off and complaint web site that show that AQUA is using the same harassment tactics against people all over the U.S. Whenever I case ends up in court, we will reach out to as many of AQUA 'S victims as we can to testify. We will also get as much media as we can involved! We are n't abandoning our house and we wo n't be intimidated!
A few weeks ago, I called Citibank to complain that I was mistakenly enrolled in paperless statements, which caused me to be late twice making payments on the card. I asked that they refund the late fees they charged, due to my long and perfect credit history with Citibank. Citibank said they fixed the paperless statement issue, although I have yet to see a paper statement from them, but they refused to refund my late fees. I told them I planned to write a complaint letter. A few days later, I received a letter from Citibank saying that the credit limit on both of my Ciribank cards was decreased. They said I owe debts, which is true of most Americans. I have an impeccable history paying Citibank and any other debts I owe. I have no late payments showing on my credit files.

I am very upset that my credit file was checked and my credit limits decreased on my Citibank credit cards for no reason other than I asked to receive printed statements rather than paperless and asked that my late charges be refunded. My credit limits were decreased thousands of dollars for no reason. I have had one of the Citibank credit cards for over a decade, in my maiden name, XXXX XXXX XXXX, with thousands in credit limits available to me, which I never abused. Please look into this matter for me and find out why Citibank punishes their longstanding customers when they complain. Thank you.