WillisBack/dataset-financial-user-claim huggingface dataset:
I have been receiving relentless phone calls from Credit Corp Solutions ( XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX ) over a XXXX XXXX balance of approximately XXXX. Today they called my ex-husband trying to get information from him about me. we have been divorced since 2002! After I accumulated this debt, I was laid off from my job and took a loss of XXXX per year which significantly lowered my ability to pay as much on my bill as before. I continued to pay XXXX per month ( which is what I could afford at the time ) after my lay off and decrease in income. They started to continuously call me, up to 5 times per day, and tell me to pay more. I responded to their phone calls and told them that the most I could afford to pay on this bill was XXXX per month. They rejected this proposal and refused to negotiate. I then told them that I could not agree to pay more. I did research this type of situation and it is more harmful for me to make small payments without an agreement as it still was been reported to the credit bureaus even with the small payments I had been making all along. I do not want them to call me, my ex-husband or any of my family over this. I would still agree to the XXXX if they would agree to stop making reports to the credit bureaus but they refused to agree to what I could afford to pay.
Starting XX/XX/XXXX I have repeatedly contacted and asked for a payoff quote. Letters was sent on XXXX XXXX, 2017 3rd Fax was sent on XXXX-17 1. I requested one payoff and validation via Certified mail with Return receipt requested. 2. I sent FAX asking for a payoff request 3. They are on recording line stating had faxed information. Never faxed information. 4. Called back and they said they would fax it again. Never faxed information. 5. Per state requirement they have 7 days to provide information it is going on almost 4 weeks.
I HAVE BEEN TRYING TO FILE A DISPUTE WITH EQUIFAX AND IT IS ASKING FOR A 10 DIGIT CONFIRMATION CODE BUT THERE IS NO WAY OF GETTING THIS CODE. iT SEEMS THAT THERE IS ALWAYS SOMETHING THAT PREVENTS A PERSON FORM ACTUALLY BEING ABLE TO GET ANY INFORMATION FOR THE CREDIT BUREAUS.
I am enrolled in the public service loan forgiveness and have been since XXXX. My loans have changed hands a number of times and are now being handled by XXXX. I should be due to have them pay off my loans by the end of XXXX. I received a payment count of 64 in XXXX, which then suddenly dropped to 59 and 61 payments. This makes no sense as the payment is applied to all loans, not just one. This does not reflect the length of time that I have been making payments on my loans. I called and asked for a reason and they could not give a reason. I asked for a recount on XX/XX/XXXX and was told it would take 60 days. Today is XX/XX/XXXX. I called them today and was told that it is still being counted and they have no idea when it will be complete.
First of all the worst thing i did was get a loan to go to school. Secondly i have been applying every year for a lower interest rate. As i apply every year the interest keeps going higher and higher as of course the point of Navient is that i pay the interest more than the principle. It was time again to reapply for the help but it has been three weeks since they have answered my emails. I did receive a call from a Navient Customer Service rep after i emailed who i believe is the head of Navient XXXX XXXX. i have sent several messages to him begging for help as my payment is coming up and the next payment would be double what i have always paid. i am not denying to pay but i really need the interest lowered so i can continue paying. I will work with them but i still need to feed my kids and put a roof over their heads.
Routine check of my credit file # XXXX indicated on XX/XX/17 Equifax released by credit file to XXXX for no permissible purpose. This was an unauthorized an illegal release of credit information.
I was contacted by the original debtor XXXX XXXX, after being out of my apartment at XXXX XXXX XXXX, XXXX, IL for a one year about a debt in the amount of {$100.00}. I asked XXXX to forward me some detail on the balance, but constantly received a bill with no explanation or supporting backup. 

In XXXX XXXX, I was contacted by XXXX XXXX XXXX, by mail stating they are trying to collect this same debt. I wrote back within the 30 day deadline that I am disputing the amount of this debt because " I DO NOT OWE THIS AMOUNT, please return this debt to the original Creditor, XXXX. 

In XXXX XXXX, I got a notice from my credit monitoring service that my credit report has changed. I took a look and noticed that XXXX XXXX XXXX had been added to my report, after I had notified them as well as told on several occasions that I DO NOT OWE THIS DEBT!
Hello I dont know exactly how it happened but my credit report dropped almost XXXX points as of this month as the XXXX data breach happened and I cant find out why it happened from the company. Please help me put a fraud alert on the company.
We have used the CITI credit card now for over a year and we take issue with their billing practices. It seems to be the business strategy to encourage the use of the card, and then to apply interest charges, before the payment due date, purposely throwing the balance over the agreed limit. By being able to show an excessive balance, they create a justification to raise interest rates to 30 %. 

We have always paid more than the minimum amount due, and except for one instance, where we were two days late, payments have been on time. Thus it was to our surprise to find that CITI had approximately doubled the interest rate on the outstanding due with the card. It is not just a question of fairness, but a fraudulent strategy by CITI to legitimize the imposition of additional interest and service fees.

If CITI is willing to take away these false charges, reduce the interest rate to what it was before, we will resume making payments. 

Notes : 1 ) Spoke with CITI consumer services in XXXX. They said that if I paid all interest and fees to date, they would discuss lowering the interest rate. 
2 ) Interest Rate 12/2017 16.49 % - Interest Rate 9/2018 29.99 %
On Tuesday, XXXX XXXX I received a text alert from Bank of America warning me about a low balance. When I checked my account activity from the weekend, I noticed XXXX cash withdrawals made from XXXX ATMs in XXXX. 

The ATMs and amounts withdrawn were : {$44.00} ( includes ATM fee ) from XXXX XXXX XXXX XXXX, XXXX Texas - XXXX {$300.00} ( incldues ATM fee ) from XXXX XXXX XXXX, XXXX, TX - XXXX XXXX XXXX XXXX I tried calling them immediately, but since XX/XX/XXXX was on Monday, I had trouble getting through since their holiday message kept playing ( despite it being Tuesday & business hours ). I signed into my online account and locked my card. 

Finally later in the day I was able to get in touch with them. I let them know I 'd been involved in a car accident on Friday and on Saturday, when the withdrawals were made, I was home all day recovering. Bank of America opened a claim and said they would investigate. I asked them to please check the cameras. 

In the meantime they issued a temporary credit for the amounts withdrawn as well as the ATM fees ( they were made at non-BoA ATMs ). My debit card was still in my possession. 

When asked to answer some questions and submit claim documents online, I provided them with a statement of my whereabouts as well as geolocation proof from XXXX XXXX demonstrating where I was when it happened. 

On Friday, XXXX XXXX I received a response that my claim had been resolved. When I signed on and viewed the letter, I was informed that my claim was being denied. 

I followed up with their claims department and was told my claim was denied based on the following : The person who withdrew the funds knew my pin number. Since there was no pin error, it was n't considered fraud. 
The person who withdrew the funds only did so twice. Since it was only twice, it was not considered aggressive behavior. 
The person who withdrew the funds did not deplete my account to {$0.00}. Since they did n't completely empty my account, it was not considered fraud. 

I was informed the temporary credit would be reversed since they saw no signs of fraud. 

I 've filed police reports for each withdrawal.
I recently disputed the fraud alert on my credit report and it was reversed.Son it has now been taken off If my address is not in the zip cod of XXXX this is not me and my updated phone number is XXXX i have taken extra measures in hopes that this does n't happen again.Please ask for the sec. word that starts with XXXX THANKS, CALL ME IMMEDIATELY IF THERE ARE ANY QUESTIONS OR CHANGES.
Dear CFPB, This is another of a long lists of complaints that I have written to you. Your last response was that, since I had procured legal assistance, you would wait until the process was complete and wanted to hear the results. 
I am getting ripped off. My Attorney, XXXX XXXX, seems to have no argumentative strength. 
Caliber Home Loans, who purchased a fraudulent mortgage against my home from XXXX, is attempting to force that my name be kept on the fraudulent mortgage. I have been fighting against this and communicating about it for eight years and nothing has happened. 
I have to request that you come into this fray. 
My husband stole {$600000.00} from me, he says because of a XXXX, and I am trying to keep my home. 
I have employed XXXX lawyers, have followed their advice, and here I am eight years later right where I started. Something has got to happen now! Please help!
This credit card was never activated. 
A purchase of {$12.00} was made at the XXXX in XXXX, FL on XX/XX/XXXX. A XXXX card was presented for payment, not a XXXX card, yet this purchase was charged to the account referenced above, said card never having been activated. 
. Check # XXXX on our XXXX account, marked paid in full, dated XX/XX/XXXX, was sent out and our bank records show that an ACH withdrawal by Comenity Bank was made on XX/XX/XXXX. 
PROOF OF PAYMENT from XXXX account : XX/XX/XXXX ACH COMENITYCARD PAY CHECK PYMT XXXX~ {$12.00}
I opened a checking account with Wellsfargo Bank in XXXX XXXX in XXXX, Florida and was informed that a monthly fee of {$10.00} will be assessed on my account if the usage frequency of my Debit Card from my account does not exceed XXXX transactions per month. 
On separate ocassions, a {$10.00} was imposed on my account despite having more than XXXX transactions in the monthly cycle. 
Upon inquiry after the first assessment, I was informed that the cycle was from XXXX of the month to the XXXX of the following month based on the opening date of the account. When a second monthly fee was imposed on XXXX XXXX, I contacted the bank and was informed that the cycle started and ended on XXXX of the month. I then pressed the banker who assisted me as to how a cycle can vary that widely XXXX XXXX to XXXX -- 5 business days ) and how a consumer can play by the rules if the target ( deadline ) keeps moving. 
I argued that such an arrangement is unfair to the consumer and the monthly fee assessment should have been based on a calendar month, or at least on a fixed monthly cycle so that the consumer does not get charged with fees via such sneaky tactics.
CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX, XXXX To Whom This May Concern : I am writing this email to try and resolve this issue, which we have attempted more than a dozen times. 
My name is XXXX XXXX XXXX, and I once had an account with Capital One. 
Sometime in XXXX XXXX, I purchased a subscription from XXXX for {$89.00} with a one week free trial. The site turned out to be very difficult to access, we have tried multiple times and gave up. Before that one week trial ended we wrote them an email cancelling the service, so we do not get charged the monthly fee of {$89.00}. When we got our statement the following month, we were still charged the {$89.00}, so we contacted Capital One and disputed the charges. We were asked to send in the documents that prove the cancellation. We have sent all the required documents by mail with return documentations about four, faxed it four times with confirmations of receipt on your end. Each time we get our statements, the {$89.00} keeps showing up as overdue, and in fact we have called Capital One many times, and each time we have to explain what happened and every time customer service pulls our file, there is nothing showing that we sent all the documents. This circle had gone on for more than 2 years since XXXX XXXX and after we gave up on contacting CapOne, we started getting harassing calls from CapOne/and or collectors on behalf of CapOne. Now the balance showing there has ballooned to more that {$330.00} and was reported as of course a negative one. 
Up to this day we are still getting the impact of that false report, have disputed it to the credit bureaus and nothing has been done. 
Now it is XX/XX/XXXX, and the false report and ballooned balance is in my report. This is not fair and we need to come up with a resolution to this matter. I can offer to pay the {$89.00} which is the original amount of that cancelled subscription, and in turn Capital One remove that false report on my credit. 
I appreciate an immediate action to this matter, not months or years. 

Sincerely, XXXX XXXX XXXX SSN XXXX
On Friday, XX/XX/XXXX, I made a purchase at Kohl 's in XXXX XXXX, Pennsylvania. The cashier asked if I wanted to open a credit card. I told her that I did not, but that my husband had one. She informed me that she could look up his card using my information. She requested personal information, which I gave her under the assumption that she was looking up my husband 's card, NOT submitting an application for me.

She did, in fact, submit an application for me, which I was informed of as soon as I left the store ( credit monitoring service email notifications ). I immediately called the store, and the manager told me that because I had willing given my personal information, there was nothing he could do.

I then contacted the corporate office, as I felt this was improperly handled. I was transferred to the fraud department, where I was told they would contact the credit reporting agency and have the inquiry removed from my report within 10 business days. It has been 15 business days, and the inquiry is still on my report.
After having a substantial relationship with  Suntrust Ba nk, I got a notice they have decided to close my account and gave me no reason whatsoever. I ha d one iss ue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship My account was closed after a payment was made by mistake and should have been reversed.   XXXX   XXXX   bill went through and should have been sent back but bank closed and paid transfer and then held account.     Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Between XXXX XXXX and XXXX of 2018 I bought 2 prepaid NetSpend cards for my XXXX year old daughter and XXXX year old niece. I did not know they had to be over XXXX to use the cards, according to NetSpend. I loaded {$200.00} on each card, when I called to activate them, I told them who they were for, and that's when they told me they couldn't use them. I then asked them to transfer the funds to my other NetSpend card, which they said they could not. They then told me they would send me a refund check for the {$400.00} I put on each of the other cards. I have not received my money back up to this day, and I would like all of my money returned immediately. This took place at the XXXX XXXX on XXXX and XXXX in XXXX XXXX at approximately between XXXX and XXXX, possibly on XX/XX/2018.. NetSpend had me put my daughter and niece on the phone so they could question their identity, and then allow the girls to access the funds by having checks sent to each of them in their names, which I reluctantly agreed to because they said that's the only way to recover my money, which I have still never received. Please help me get my money back, I'm a single mother that was just trying to make my daughter and niece happy, but I didn't get to do it that way, because NetSpend refused to return my hard earned money back to me.
while checking my recent credit report. I noticed credit inquiries that I did not authorizes made by the following companies. XXXX XXXX XXXX office locator at XXXX XXXX XXXX XXXX IL XXXX. I  contact XXXX XXXX and they state that they do not pull credit. I had notify Experian about this transaction they fell to removal it from the credit file. it was als o on my XXXX report but went I notify then they removal with no question and send me a Letter of removal. this a violation of the fair credit reporting act section 1681b ( c ) and a serious beach of my privacy.
Received a call from XXXX XXXX. At first he said he was from XXXX solutions and then he said he was from XXXX XXXX XXXX and he was calling from XXXX XXXX XXXX. He said I obtained a loan in XXXX. I did not receive any loans or credit in XXXX of any kind. He had my previous address and social security number. He threatened to call my employer and file a lawsuit. I asked him for his address and he refused to give it to me, told me I was being uncooperative and said I would be hearing from him. I reported this to the FBI who informed to contact the CFPB.
I attempted to secure a loan using Rise Credit. After waiting several days for a response, I called and they informed me that they were not able to continue to process my application because there is a fraud alert on my credit report and I must contact to credit bureaus in order to update the phone number or have the alert removed. I informed them that the alert was removed several months ago and there is no phone number to update. They then told me that they are getting an alert when they attempt to view my credit file. I did a conference wall with a representative from Rise Credit and the credit reporting company they said they used, XXXX. During the conference call, the representative from XXXX stated that there is no fraud alert or consumer statement on my file, and this was heard by the representative from Rise Credit. They informed me that the application would have to expire and then I could resubmit an application. The application expired on XXXX XXXX, XXXX and I resubmitted an application on XXXX XXXX, XXXX. I called the following day, XXXX/XXXX/XXXX and the representative told me the exact same thing, that an alert was on my file and I would need to update the phone number so they can call to verify, or have the alert removed. I then spoke with a gentleman named XXXX, who works in their verification department. I did a conference call with him to the credit reporting agency again. During the call, he heard the representative say that there is no fraud alert or consumer statement on my file. They have not attempted to access my credit report, or they would know there is no alert. The last time they accessed my credit file was XXXX XXXX, XXXX, and at that time there was a fraud alert on file, but it has since been removed. 
There lack of proper handling of my application has caused undo XXXX and time.
On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed.
The amount of {$8500.00} is being reported by Security Credit Services as in " Collection ''. This account has truly stumped me because it was originally owned by XXXX XXXX XXXX XXXX XXXX, which I believe from the bit of research that I 've done, was owned by the XXXX XXXX XXXX XXXX.
The confusing thing about this debt is that it was recently opened a year ago but was never reported in collections before that by the original creditor or any other party. There was no letter to verify that I own the debt. It also states that I am a co-signer for the account ; I believe this to be untrue.
I have contacted Security Credit Services to verify the debt and have also disputed it several times. I have also disputed it with XXXX and they have also refused to verify the debt, simply stating in the " remarks '' section as, " Dispute resolved : reported by grantor ''.
I believe this all to be a breach of the FCRA ( Fair Credit Reporting Act ). I am now willing to take I would like to get this situation resolved as quickly as possible. Please let me know if you need any more information.
Thank you.
I took out a XXXX Chase credit card. The card specified that after {$500.00} in purchases that a {$200.00} credit would be given. The purchases needed to be made within 3 months of taking out the card. In the third month I attempted to make purchases at a pharmacy and the card was denied. The pharmacist tried twice. I then called the XXXX number on the back of the card and was told that the purchase went through. I asked if I was now qualified for the {$200.00} credit and was told yes. I then called the same evening and spoke to representative on the phone to confirm that I had reached the {$500.00} threshold. I was told that the {$200.00} credit takes several months to appear. I checked today because it has not appeared. i was told that they do n't have any record of my purchases going above the {$500.00} threshold. My pharmacy informed me that the purchase that we thought was approved was not! I paid the pharmacy. 

Chase owes me the {$200.00} credit. They refused on the phone today and chose to cancel the card. Can you help me with this. I used the card according to the rules they set out. They chose to block its use at the pharmacy, I called to correct it and was informed that it was OK. 

Thanks.
I have for the past year disputing this account have sent them several certified letters as well as Identity theft information showing that the account was not mines. However they sent me a check showing a payment that was made with my name on it from another closed bank account that was closed because of the same Identity theft reason. I am trying to get this resolved once again and the company has not been helpful even after verifying everything asked of me.
I put in a complaint maybe a week ago transworld systems Inc. Were calling and harrasing me from different numbers now they are calling impersonating an I.R.S. agent saying I owed them money and they were filing a case against me to call in and rectify the situation ... the first time I called they didn't say anything the second time I called they had a promted opening this is the IRS I am agent so and so to the end of the conversation so I asked them to pull up my XX/XX/XXXX & XX/XX/XXXX  taxes so they hang up I have the number they called from and the message they left. This is outrageous I don't owe the debt so they are going to these lengths and tactics to get me to agree to the debts so uncalled for and I would like some resolve.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file to verify the accounts I disputed. Being that they are past the 30 day mark and can not " verify '' these accounts, under Section 611 ( 5 ) ( A ) of the FCRA ... they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.