WillisBack/dataset-financial-user-claim huggingface dataset:
I was in a XXXX chair in XX/XX/2017 getting XX/XX/XXXX treatment. I couldn't afford the cost so they offered this plan from a company called " XXXX XXXX ''. 

She explained to me that if I didn't pay it off in a year I would be charged interest. 
I used the XXXX XXXX credit for treatment and begun making payments. I had other XXXX  work charged to this card as well. 

My concerns are how this company goes about getting people to sign onto their plans, the amount and types of ways to setup the customer for failure, and the amount of interest actually charged. 

I paid nearly double the minimum every month, but due to stressful life conditions, such as losing my job and illness I was unable to focus on the account closely. 

The minimum payment guarantees the customer for failure. I was nearly paid off by making my payments, but not quite enough, after 1 year, over {$1300.00} worth of interest was charged to my account, more than any single XXXX  I had had. I was so shocked I felt sick due to the powerful emotions of this. 

I spoke with a representative from the XXXX office and she tried to speak too them on my behalf but stated nothing could be done. I signed the contract, therefore this is all my fault. 

I could have signed up for a brand new credit card and have gotten a better deal than this.

How they setup the customer for failure : 1. They shouldn't be trying to charge people more than even basic credit cards for insure, especially given the nature of it being medical.

2. They have no reminder or notifications aside from logging into the account.

3. The minimum payment or even double the minimum guarantees massive interest charges for the user.

4. This credit system is offered when the customer is vulnerable and in a XXXX chair after being given an explanation of health concerns.

5. They wouldn't offer any type of reconciliation.
This has occurred twice in the last two years. My wife or I apply for a loan ( XXXX XXXX, XXXX XXXX XXXX  ) and within a few days both of our primary credit cards ( each under our own respective names ) are compromised. Someone in Texas tried to use my wife 's care to make large purchases. I had someone from Califormia try and charge {$10000.00} dollars on my card to a car dealer in South Dakota.

Two separate lending companies with one common issue, they both used one of the three Credit reporting agencies - XXXX, TransUnion and XXXX.

One ( if not all ) of these three companies is responsible for compromising my credit cards. There can be no other answer. 

How do I deteremine which of them are responsible and hold them accountable?
In XXXX of 2009, my husband and I filed Chapter XXXX Bankruptcy. Our mortgage company, HSBC, agreed to a loan modification and reaffirmation which lowered our mortgage payments from XXXX to XXXX. We signed these documents with our Bankruptcy Attorney ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) and they were sent to the Attorney for HSBC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ) to be filed with the court. 

Four years later, we start getting notices from HSBC that we were behind on our mortgage payments and they threatened to foreclose on our house. Not one time have we ever missed a house payment. At that time, I had my attorney research the matter even though they were not obligated to do so, they contacted the Attorney for HSBC who claim to have never received the loan modification and reaffirmation agreement. I was terrified that our house would be foreclosed on again, so I agreed to sign another reaffirmation agreement. However, HSBC did not agree this time to modify our loan payments to a lower amount. I feel like in order to keep my house, I felt forced to sign the new agreement at the higher payment of XXXX. In addition to the higher payment HSBC tacked on approximately {$12000.00} in interest. 

No one seems to care that the paperwork was mishandled. No one seems to care that I owe {$12000.00} more than I should. No one will listen. I hope you will.
Primary Residential Mortgage, Inc. ( XXXX XXXX, Division President, XXXX XXXX ) lost my buyer a house and earnest money. From XXXX XXXX to XXXX XXXX the lender was not able to get underwriting approval until the seller finally accepted another offer. For months, it went back and forth to underwriting with " XXXX more piece of information needed ''. We executed XXXX and my buyer still lost the house.
While checking my personal credit report, which I acquired from Equifax, I noticed XXXX inquiry made by your company on three consecutive days ( XX/XX/XXXX-XX/XX/2016 ). I do not recall applying for credit or employment with XXXX XXXX XXXX . 
I did not authorize anyone employed by overstock to make an inquiry and view my credit report. they have violated the Fair Credit Reporting Act Section 1681b ( c ). they are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. 
I requested that overstock either mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. they simply sent a response that this is correct. Again, it is not, and i have sent a certified letter that was signed for on XX/XX/2016. A company simply looking at a screen is not validation of the inquiry and especially not XXXX in3 days
I forward a letter to Equifax on XXXX/XXXX/2015 ( certified XXXX ), no response from the company. I have disputed several items on my credit but have not heard from this company.
A-1 COLLECTIONS SVC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you A-1 COLLECTIONS SVC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : A-1 COLLECTIONS SVC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I received a complaint by this company trying to sue me over student loans from 2006 and earlier. I have no recollection of these so-called accounts and they have went as far as to hire attorneys in XXXX XXXX and begin suing me for what they claim I owe over $ 200XXXX
Equifax allowed companies to access my credit report with out my permission. I have sent the unauthorized companies letters that have not been replied to and I have sent equifax certified copy 's of letters to investigate and delete the unauthorized inquiries and it has been over 45 days and still it has not been done. 

I have included a statement of truth to prove I am telling the truth, please delete ALL the unauthorized inquiries from my credit report. please do n't force me to sue I have documented every thing and i will win.
Syndicated Office Systems formerly ( Central Finance Control ) is reporting a medical account on my credit report to XXXX that was discharged via Ch. XXXX in 2011. They initially reported the same account three different times. I have sent via certified mail a copy of the discharge and XXXX page but they continue to report the account. At present they are reporting the account as XXXX separate accounts to XXXX. I have repeatedly asked for them to provide proof of a valid debt and date of service to no avail. There is no valid or actionable debt as the debt has been discharged by Judges Order in the 2011 Bankruptcy. This false and fraudulent reporting is preventing me from being able to refinance my home in order to lower my present interest rate.
This is a follow up on complaint # XXXX. 

After multiple attempts ( phone calls and faxes ) to get a pay-off letter from Rushmore loan services, and get them to release my loan, I sent a certified letter clearly asking for the release of my loan to be sent to the recorder of deeds ( I paid the fee via credit card to their manager XXXX on the phone on XX/XX/XXXX ). I received a follow up letter via fedex to my old address noting that they are responding to my inquiry as of XX/XX/XXXX, and advising me that XXXX XXXX   owns my loan. 

I also received a letter via regular mail that was forwarded to my new address, saying they received my inquiry as of XX/XX/XXXX as to the status of my loan, which is XXXX balance due. No kidding. I asked for a payoff letter and a release many times, starting on XX/XX/XXXX. It is now XX/XX/XXXX and this basic servicing function has not only not been done, but Rushmore seems baffled as to what the question is. 

I don't know who XXXX XXXX is and I don't care. I want my loan released immediately, I want Rushmore to pay my escrow fee ( see complaint # XXXX ) and I want to be done with this.
XXXX  fraud called me at  XXXX  on  XXXX   XXXX ,    2017  to ask if I authorized a {$69.00} charge from  XXXX   XXXX . I said no and to block the charge. On  XXXX   XXXX  this charge was resubmitted and went through. I called the number shown for  XXXX  and it was their flight line with no option to ask about the change. After multiple calls over several hours to find  XXXX  accounting, they could not find any charge. I initiated a dispute with  XXXX  and they said they found it was a legitimate charge but could not tell me what it was for or provide any support for their decision.
I signed up for a JcPenney credit card because they claimed to give you 25 % off your first purchase. I received my bill and did not receive 25 % off so i called and spoke to a supervisor, she processed a ticket, and said i will find out the status in a couple of days. I still have not received a discount for my first purchase. This was false and deceptive advertising.
I XXXX XXXX have been receiving notices to collect a debt that has long passed the time limitation to enforce in the Commonwealth of Massachusetts. The collection letter itself states that the account is too old to take a court action. The credit trade line has already been removed from my credit reports across the board. So why is a national collection agency still in possession of my personal information? I demand that my personal information be purged by Portfolio Recovery Associates. The Federal Trade Commission needs to take action against this egregious action procured by the debt collector. I demand a letter stating that my file has been purged. I have attached copies of FTC actions against debt collectors in the past for doing this type of illegal activity. PRA needs to purge my file permanently!
From : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX COVER LETTER FOR CAPITAL ONE 's REQUESTED INFO on- RE : CARD NUMBER -- XXXX Virginias SCC case number, NUMBER -- XXXX We are protected under Virginia Law and By the State Corporation Commission , as Insurance Agents and Brokers are licensed with the Authority to have the Fiduciary Responsibility for handling " Their client 's money '' and it looks like this insurance company is deceptive, and therefore we need your help! 

RE : Payment for $ XXXX- Made to XXXX XXXX XXXX ON XX/XX/XXXX, a COMMERCIAL INSURANCE POLICY WAS NOT APPROVED BY UNDERWRITING. 

The insurance company asked for A CANCEL AT INCEPTION LETTER, to protect them from claims. They have NO LEGAL reason to keep any premium for NO INSURANCE POLICY WRITTEN. 

AND This insurance company is being INVESTIGATED BY VIRGINIAS SCC BECAUSE THEY DID NOT OFFER MY COMPANY THE CORRECT POLICY AND THAT IS WHY THEY CANCELLED BOTH POLICIES AND LEFT US UNINSURED. 
WE HAVE MOVED ON TO ANOTHER INSURANCE AND THE INSURANCE POLICY REFUND OF OVER {$2300.00} WAS NEEDED TO SECURE NEW COVERAGE WITH XXXX XXXX!!! 

We are shocked that after notifying us in writing in XX/XX/XXXX that our insurance was not approved by underwriting, that the Insurance company has ignored ( 2 ) Requests by Certified Mail, with no response, including our Attorney 's Letter ( Attached ) on USPS tracking number- XXXX, which shows that the Attorney 's Letter and the request for a refund was received on XX/XX/XXXX with no response. 

We are shocked that we received a call today that Capital One, is forcing a re-bill to our card that ends in - XXXX for the {$2300.00} for the cancelled policy. The SCC has asked the Insurance agent to provide us with their Errors and Omissions Insurance information, because the policy taken in XX/XX/XXXX with XXXX XXXX XXXX- XXXX XXXX  XXXX was not the correct coverage for our business. That is what XXXX XXXX, Insurance Agent at the XXXX XXXX   XXXX XXXX XXXX wrote in her letter cancelling our policy ( Referenced above ) on or about XX/XX/XXXX. 

We used the refund on our card in XX/XX/XXXX for {$2300.00} to purchase a NEW Insurance Policy that was the correct policy and with the correct coverage needed. 

Although XXXX XXXX has a NO-Loss Letter from XX/XX/XXXX so that the insurance policy can be cancelled to inception, with no claims that they would ever pay, and with their agent 's notification on XX/XX/XXXX that we had no insurance, we had to receive a refund, the agent at XXXX XXXX  XXXX is insisting that he would keep our money. So that Is why we reported the agent to The SCC, the regulatory Body for insurance agents in Virginia.
On XXXX/XXXX/XXXX I went to annual credit report.com and ordered my credit reports. I went to the dispute sight for Transunion and tried to register to file my dispute and it said I already had an account, so I did the lost username/password. I received a message that my account has been temporarily suspended and to call XXXX. I called and verified my personal information and I was transferred to a lady that said in XXXX I had paid for credit monitoring and opened an account, I said probably but I cancelled the credit monitoring and she said the only way I can unsuspend my account is to provide a credit card and I told her no I do not want credit monitoring I just want to be able to dispute some items on my credit report, she then replied there was nothing she could do unless I provided her a credit card number to reinstate my account.
Equifax and XXXX refuse to remove invalid accounts off my report have called, written and fax in request and proof that the accounts do not belong to me I ve filed police report and submit ID That affavaid and they still refuse after 4 years to remove accounts that do not belong to me the accounts needing to be removed are 2 XXXX  XXXX XXXX ( no monies owed, invalid amount and account status reporting and volition of new public law that went into effect XXXX of 2017 ) XXXX XXXX these 3 items need to be removed and blocked from future reporting.
Have had routine issues with a paypal account with attached line of credit. Customer service is impossible to contact. Account has been closed and reopened without my authorization. History of unauthorized transactions on the account. I want all my paypal accounts closed, future account openings with my social security number block from their systems and all disputed transactions credited in my favor.
On XXXX XXXX, 2016 my husband and I contacted XXXX XXXX XXXX to purchase a 2016 Ram 3500 Pickup Truck. The Finance Manager XXXX XXXX took our credit application. ( See Attached E-Mail ) He was also told by my husband that we were both Victims of Identity Theft, and had 7 year Extended Fraud Alerts on our Credit Bureau Reports. He was also told no loan could be considered until we were both contacted by any lenders. On XXXX XXXX, 2016 XXXX XXXX confirmed with my husband that we were approved for Financing from lender XXXX XXXX. On XXXX XXXX, 2016 we took delivery of our new vehicle. On XXXX XXXX, 2016 I received a notice of an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. It listed my Credit Score from XXXX as XXXX out of XXXX and reason as " Amount owed on accounts is too high ''. This is not only untrue by ridiculous. I was completely unaware Gateway One Lending & Finance was a lender that XXXX XXXX sent my Credit Application for consideration. I was NEVER contacted by Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( XXXX ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with the ( XXXX ) Major Credit Bureaus XXXX, XXXX, and XXXX. Neither of the other ( XXXX ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act. ( See Attachment regarding Identity Theft Victims required contact by Lenders )
I have a mortgage with Ditech. My ex-spouse and I are joint mortgage owners. Our divorce was final in XXXX XXXX, and the decree relieved my ex-spouse from any responsibility for the mortgage as I remain in the marital home. To complete this action, I needed to assume the mortgage and remove my ex-spouse 's name from the account. 

On XXXX XXXX, XXXX, I submitted a request via Ditech 's online customer service portal requesting information on what I needed to do to assume the joint mortgage and remove my ex-spouse from the account. I received an immediate email confirmation that Ditech received my request, and shortly thereafter received a formal letter via US mail to the same effect with a promise to respond within 30 days. 

On XXXX XXXX, XXXX, nearly 3 months later and having not received a response, I submitted a 2nd request, stating that this was indeed a second request. I again received an email and formal letter via US mail promising a response within 30 days. 

It is now XXXX XXXX, XXXX, and I have not received any further correspondence from Ditech. 

Please advise. 

XXXX XXXX XXXX
To : Federal Trade Commission Consumer Financial Protection Bureau From : XXXX XXXX Department of Homeland Security XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Re : Closed XXXX Account payments Fraud I XXXX XXXX XXXX under penalty of perjury solemnly attest that the statement included in the complaint is true. I opened a Wells Fargo Platinum VISA in XX/XX/XXXX. After falling on hardship due to medical conditions in XX/XX/XXXX I asked to be added to the hardship program which reduces the interest rate from 24 % to 6 % during a defined period of time thus reducing the liability shortly after learning about the account fraud committed by Wells Fargo or other atrocities for which Wells Fargo has become known. 
It is my belief Wells Fargo Platinum VISA has blocked web access for its credit card in an attempt to get customers to visit their branches and possibly create new business and be able to assess unwarranted fees to many of their customers by making modifications that prohibited on time payments. Wells Fargo granted the request but discontinued the program while I was XXXX to the XX/XX/XXXX Hurricane in XXXX  and XXXX XXXX and did not have access to my account number to reestablish web access and was unable to make payments or remain of the phone with customer service for hours trying to resolve a simple issue of making payment while responding to disaster survivor needs as an XXXX   XXXX establishing disaster relief centers. 
I contacted the customer service call center today and after a 20 minute wait finally got through to a representative. The representative informed my payment would be {$40.00} per month during a call in XX/XX/XXXX which I made in XX/XX/XXXX 15 days early I was told today XX/XX/XXXX that the payment was $ XXXX monthly and it was reported to the credit bureau as a late payment. I was also told that Wells Fargo blocks web access for account viewing ( https : //www.wellsfargofinancialcards.comXXXX ) only allowing access to payment website ( XXXX XXXX XXXXXXXX ). With the dynamic payment modification which Wells Fargo practices how am I supposed to know what the accordion style payment calculations will be if I am traveling and have no method of reading written correspondence from them nor viewing capabilities of the payment amounts due online. This practice of approximate fluctuating payment for consumer requested closed accounts in which the balance is decreasing since purchases can not be made has to be illegal and certainly unethical to myself and countless others. I was told that most of the calls they receive are regarding website access. 
After making a payment today the customer service representative informed me the payment will be approximately {$85.00}. 
While I am furious about these types of atrocities i am more concerned about how wide spread this may be generating millions for the bank and placing countless of victims at risk. I ask there be a full scale investigation into Wells Fargo especially with the unethical practices for which they have become known.
My grandmother opened a cc account with Bank of America. I was added as an authorized user. The next day they put a fraud alert on the account. We both went into the bank on XXXX and they advised us that the alert was taken off. XXXX the alert was placed back on the card so again, I had to drag my grandmother back to bank and again they told us it was removed. I call the bank on XXXX and they refuse to speak to us or give any information besides telling us to go into a branch again. The card is needed to help pay for home repairs that have already been started on and now we have no means to pay bc the card access is on hold. I do think it is due to discrimination bc of my grandmothers age even though she has no medical issues and is in her right mind & has answered all questions they have asked.
I had originally reported this problem CFPB # XXXX. XXXX XXXX decided to report their charge as a charge off instead of removing the charge, which has negatively impacted my credit report and cause some credit card companies to reduce my line of credit due.