WillisBack/dataset-financial-user-claim huggingface dataset:
When working on building my credit, I took out a loan from XXXX XXXX XX/XX/XXXX. I paid as agreed and on time until XX/XX/XXXX ( 12 months ), at which point they offered me a new loan and to consolidate the remaining balance of my old loan into the new XXXX. Since 12 months of payment history was reported, I decided to do this to help my credit scores even more with another loan. I paid that loan off XX/XX/XXXX. During this time, I had not missed a single payment on my loans, however, the original loan was never reported as closed, and shows a 90-day late payment XX/XX/XXXX and two 30-day late payments as well. 

I have disputed this account several times with the credit bureaus, of which Experian and XXXX WILL NOT remove the account, XXXX did on the first dispute. 

This account reports my ONLY late payment in my credit reports and is harming my credit scores and making me pay higher interest rates for all of my loans. 

The fact that Experian and XXXX will not properly investigate the account is the primary issue. I 've contact Lendmark on multiple occasions and have received multiple verbal responses ranging from " I see the error and will get it corrected '' to, " we have no record of a late payment '' to " We do not show your other account with us ''.
Bank of America ( my XXXX card ) added foreign transaction fees to a purchase I made on- line, on XXXX/XXXX/15 transaction ( reference ) number XXXX. Based on my conversation with the company, Just Sweatshirts they disclosed that they shipped the items from XXXX XXXX XXXX, XXXX, New York. I was billed in XXXX dollars ( {$180.00} ). My bill and invoice confirms that the company shipped my product from New York State. 
The card company said that the company billed them from XXXX, XXXX. The company denied that. I have the documents to support my allegation of Fraud by Bank of America. It is not about the minor {$5.00}, It is about how many millions is the credit card company making illegally by falsely adding on fake foreign fees. Even if the company sent paperwork from XXXX, the products came from the XXXX, not XXXX.
I purchased a tri-plex in XXXX. My first mortgage is with XXXX Mortgage and is in good standing. I have less than {$7000.00} left on this loan so I should be done with payments in XXXX. I took out a second ( home equity line of credit ) on the property of {$200000.00} in XXXX with Wells Fargo to help with expenses at my restaurant. When I closed the restaurant in XXXX, I got a one-year modification from Wells Fargo, reducing the payment in half. After the year was up, I was still unable to pay the full payment of {$1400.00} and re-applied for another modification with Wells Fargo which was denied. So I just continued to pay the original modification amount of {$710.00}. Wells Fargo accepted these monthly payments for the next seven years. I got a couple of letters from them regarding my delinquency and bankruptcy in XXXX and XXXX but they still continued to take my payments. I got paperwork the other day for the beginning foreclosure process. My complaint is, why did Wells Fargo continue to accept the partial payments for seven years knowing that they were going to forclose on the property?
I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote XXXX XXXX XXXX requesting documentation and record dispute while they have the opportunity to respond. I also wrote XXXX XXXX XXXX a second final goodwill attempt request for verification documentation on XX/XX/2018. XXXX XXXX XXXX has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that XXXX XXXX XXXX had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against XXXX XXXX XXXX, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
I recently pull my credit file and noticed that I have a collection with XXXX XXXX XXXX XXXX Account # XXXX. I have no contractual agreement with XXXX  XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX thinks this alleged debt to be accurate please provide the following documentation : documentation agreement with your client that grants them the authority to collect on this alleged debt, agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor NOT A COPY A WET INK SIGNATURE FROM THE ORIGINAL CREDITOR, any insurance claims having been made by any creditor regarding this account, any judgement obtained by any creditor regarding this account, name and address of alleged creditor, name on file of alleged debtor, alleged account number, address on file for alleged debtor, amount of alleged debt, date this alleged debt came payable, date of original charge off or delinquency, verification that this debt was assigned or sold to collector, complete accounting of alleged debt, and commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent XXXX XXXX XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VAILDATION made pursuant to the Fair Debt Collection Practice Act This consumer would like BBB to makes sure that these matters are handle in the upmost professional way and IF AD ASTRA RECOVERY SERVICES CAN NOT PROVIDE ALL NECESSARY DOCUMENTS INCLUDING ACCOUNTING LEDGER YOU NEED TO REMOVE THIS ALLEGED DEBT.
After going to the hospital in XX/XX/XXXX, I paid my co pay ( {$50.00} ) at the time of service. Anyway, Financial Credit Network started contacted me about a XXXX debt from when I went to the hospital in XX/XX/XXXX. They put it on my credit report that I owe. Which I did not owe. The continued to ruin my credit by falsifying documents saying the original amount owed was {$65.00} and I had paid XXXX of the amount in XX/XX/XXXX. This is NOT true. I never paid Financial Credit Network in XXXX CA. anything, because I did not owe anything. Then they say I the amount changed to XXXX and I paid off XXXX in XX/XX/XXXXJust so they could keep it on my credit report. I have been fighting this for years. I know XXXX is not a large amount but these people wo n't stop. And they had to have falsified documents to say I made any payments, because I did not. This should be removed from all my credit reports for good. The charge is way to old and it was wrong in the first place. The credit reporting agencies had removed this charge several time, but Financial Credit Network in XXXX, Ca continue putting it back on my report. They even have the dates wrong. : This is on my report : Collections If you 've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

FINANCIAL CREDIT NETWORK INC Reported : XX/XX/XXXX - {$50.00} Needs Attention Overview You 've paid off 23 % of your collection amount. 
Balance {$50.00} Highest Balance {$65.00} Opened XX/XX/XXXX ( 5 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Consumer disputes - reinvestigation in progress Original Creditor Name XXXX XXXX XXXX Financial Credit Network Inc Financial Credit Network Credit reporting agency in XXXX, California Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX
I keep getting calls on my cell phone while I 'm at work from Synchrony Bank in regards to my Walmart credit card account. I XXXX 6 days/week and I 've told them to stop calling me while I 'm at work. I told them when the best time to call me, but they still keep calling and I have no time for this while XXXX. I told them that if they kept it up I was going to file a complaint. I know this is a violation of my rights and they should be told to stop.
The Creditor is continuing to collect on the debt and utilizes numerous agencies after I provide a formal dispute. They are actively collecting this disputed debt in violation of FDCPA.
I have opted out of credit card applications being sent to me in the mail but certain outfits ignore or do n't use the service and send me applications anyway. The latest is Bank Of America, which is a low life outfit from previous experience of them XXXX my son! I would n't give this outfit the XXXX but they insist on sending credit applications. Is there a magic number or email address that I can send a correspondence to express my never wanting a thing to do with them? Please let me know if there is any recourse available to the FTC sanctioning this outfit with a fine or other penalties?
My  XXXX   XXXX   XXXX  mother requested a modification of a mortgage being serviced by Ocwen in   XXXX  , shortly after my father passed away. The tenants in the property were taking advantage of the situation where my father was  XXXX    XXXX    XXXX  and they would not pay rent. We tried to evict them for non-payment, but they used a local renters free legal aid program to take us to court, costing us thousands. Needless to say, this caused my poor mother much grief during a period where she just lot her husband of 53 years, and she was advised by a n Ocwen representative to stop making mortgage payments, so they could modify the loan. They then declined the modification request and advised my mother to sell the property on a short sale, which caused her much financial duress.The loan amount was approximately {$480000.00}.
The item in question is for XXXX XXXX XXXX, an old checking acct that went into default in XX/XX/XXXX during a job loss. The acct was paid in full XX/XX/XXXX. I am currently a member in good standing again with them. I noticed on my credit reports that after the acct was paid, the account is listed as a JOINT acct with my daughter, XXXX XXXX. The acct was set up in XX/XX/XXXX, my daughter was XXXX years old at the time, born in XX/XX/XXXX, & could n't possibly have been a true " joint '' owner. While at the branch discussing the acct, I was told that back then that is how they listed POD accts, as joint. So when it went into default, it went on her credit report as well, and has ruined her credit wrongfully. I went to the branch that I do business with, spoke with the mgr, XXXX XXXX, and was advised that he would look into it. No changes were made. I disputed the accts with all XXXX CRA 's, XXXX was the only one what was kind enough originally to address and remove the TL due to the unfortunate situation, XXXX removed after a CFPB dispute. After my EX dispute, the closed account has been " updated '' XX/XX/XXXX and has been closed since XX/XX/XXXX.
I use Experian and XXXX credit monitoring services and they have that my " Credit History is too short '' and that is hurting my score. My oldest account is 28 years old, my average account term, according to them, is ten years. I have numerous mortgages on properties that I have held for 15+ years, numerous credit cards that I have had for over 10 years, which I pay more than the minimum payment and all on time. I am not sure what they consider " aged accounts '', but by most standards my credit accounts are not " too short ''. I called Experian and they could not figure out why FICO considers my credit history to be " too short ''. They told me that FICO sends them that information. Instead of contacting FICO, I wanted to file a complaint as I am sure others are receiving the same status, if you will, of too short a credit history. I have excellent credit, but by FICO standards, I am just " good ''. There scoring models need to be reviewed so that it is fair for all and not something that seems to be arbitrary. 
Thank you and I look forward to your response.
Choice Recovery Inc. Balance owed is {$3100.00} original company attempting to recover money is called XXXX XXXX XXXX XX/XX/2017 I have called and sent in writing to please remove any type of debt occurred due to I have never opened or used an account with this company. Whomever has used my name or information is fraudulently using my info and it needs to be removed asap.
COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( XXXX  AND XXXX  XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT
I filed bankruptcy in 2006, it has recently been discharged and my mortgage company has stopped sending me statements. When I requested statements they said it 's there policy to no longer send statements to anyone who filed bankruptcy and did n't re-affirm their loan when they filed. Additionally, it 's too late to do anything now because it has been discharged and there is no way to get a statement from here on out. -
I have contact my current lender bank of america back in XXXX to request a loan modification due to my reduced income. I was told that unless I 'M LATE OR BEHIND ON THE LOAN I WOULD NOT QUALIFY ... Their representative clearly ADVISED ME TO STOP PAYING MY MORTGAGE IF I WANT THE MODIFICATION OFFER SENT TO ME ... ..With no other options offered to me I followed their instructions and stopped paying my mortgage. After I got an offer to modify my loan, representative assured me that if approved that all mortgage lates WOULD BE DELETED from my report. HOWEVER, 3 YEARS LATER THEY STILL HAVE NOT DELETED THE LATES WHICH THEY FORCED ME TO INQUIRE. I have been trying to reason with bank of america since XX/XX/XXXX but all I 'm getting is computer generated mail and no results or any attempt on their end to resolve this issue. Because of these lates now i can not refinance my house or get a better loan .... AND NOW BANK OF AMERICA CALLED ME OFFERING TO DO A DEED IN LIEU OF FORECLOSURE.. WHEN I 'M CURRENT ON MY LOAN ... they are desperately trying to STEAL MY HOUSE by ruining my credit and ignoring my request ... please help!!
the information that appear on my credit report was identity theft not belong to me. According to the law it should be remove completely your investigation is not complete.
It is almost impossible to get hold of someone at Freedom Mortgage with an inordinatly long wait on the phone and an answering system that is unlike any other I have ever experienced. Almost every month the company waits until the last few days to cash my check causing me to feel very stressed out. Someone ( XXXX ) just finally answered my call of today the XX/XX/XXXX after I was cut-off the last time I was on hold. She said it's the fault of the postal system but I have never had this problem with other mortgage companies ( at least three ) I have used since I purchased my home in XX/XX/XXXX. I also have found it easier to get hold of someone at my past mortgage companies. XXXX also said that because it is close to the payment deadline, they get many calls ; however, I have had problems reaching Freedom Mortgage even when it was not close to the mortgage payment deadline. 

I suggest they change their answering system which is totally ridiculous because it has one answer one question, then go back to the menu, then answer another question & then go back to the menu again, and then place the person on hold while telling the person how much they value the person 's business. XXXX! I also suggest they hire more staff to answer calls. 

Thank you for your attention to this issue.
Good day, For 2 years I 've worked tirelessly to get my credit score to what my credit worthiness should reflect. I responsibly use XXXX worth of credit a year, however right before my score should be raising above a XXXX ( as it should be XXXX ) the bureau change or add some frivolous or incorrect information to drop it XXXX point and than is raises backed to the same " good '' or " average ''. I than repair it again and the process begins over ; for 2 years every month I 've battled this. This past month ( XXXX ) I called all my credit card companies and asked what they reported and they told me. I than called XXXX and asked them what was reported. For example one " XXXX XXXX '' reported balances paid in full, yet experion placed a XXXX debt of my report. So I again followed the same process the next month XXXX XXXX XXXX and to be safe paid every credit card each time any monies was charged to a XXXX balance throughout the month. And on the XXXX the day XXXX XXXX reported to XXXX I called and asked what was my balances shown on report and again a XXXX debt was placed on my report. I confronted the agent on the line and he stated that all I could do is file a dispute against XXXX XXXX. I explained the same as I did to you and asked him how I can dispute XXXX and he said I could n't. I pushed further and he said he forgot who I can report to. One last serious request to see who governs XXXX from the agent and I was placed on hold and told " fts '' or the federal government. I believe XXXX is purposely keeping my credit worthiness down which is discrimination. I would like to have a full complaint with explanations and also comped for loss of operating funds for my small business. Also, compensation for higher interest rates from the diminished credit score purposely given to me!
I opted to use PayPal 's BillMeLater XXXX XXXX months interest free XXXX to purchase a refrigerator. PayPal subsequently provided a bill showing no payment due. However, on the XXXX bill showing a payment due, they had already rolled the entire XXXX months of interest into the balance due. Immediately upon receipt of the bill showing a payment, I contacted them to clarify that I could pay the balance in full without interest charges. They said I was a few days outside of that window. I asked to speak to a supervisor who told me that he understood my confusion and XXXX. ) asked me to pay the original balance and XXXX. ) asked me to fax a letter requesting the interest charges be removed. I made the payment with him and have faxed the letter XXXX now and although I get an acknowledgment email saying that I should see any adjustment within XXXX days, the interest remains on the account.
I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from Oklahoma Employees Credit Union and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
Unfortunately in XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, and also XXXX and XX/XX/XXXX monthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with you so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX  XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XXXX of the year XXXX. 

It has come to my attention that because of these late payments with XXXX XXXX XXXX, I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with Transunion and XXXX. I sincerely hope that XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own.
This complaint is concerning the misrepresentation and inaccurate amount of interest that I was charged for my non-interest portion of my Home Depot Credit Card, both by Home DepoXXXX representatives ( manager ) and Citi Bank representatives. 

when I made a charge for a non-interest portion of my Home Depot account iXX/XX/XXXX ; My wife and i were told from the Home Depot manager, that when i make our normal monthly payments that EVERYTHING above the minimal payment duewould be applied to the non-interest portion of my account. That was not done! 

When I realized it ( 10 months Later in XX/XX/XXXX) was not being deducted from that portion of my account I called Citi bank and told them to deduct what they were suppose to each month and they told me they would. I also told them to deduct what should have been applied from the previous 10 months, I was told they would .They Never did! So Citi Bank Representative also mislead me. 
in XX/XX/XXXX my balance was {$3300.00} i paid {$220.00} my balance should have been {$3600.00} In XX/XX/XXXX they added {$2100.00} in interest. that brought my account to {$5900.00} If they would have deducted all the payments that they agreed to do I only should have a Balance on the non-interest account of {$810.00} so there is noway i should have been charged that amount of interest! 
When I called Citi Bank to get this rectified I spoke to a Supervisor. he told me it was to late to make the proper adjustments to my account. 
I have in the folder for you a written Breakdown sheet of all my payments and dates showing what should have been applied to the non-interest portion of my account.I also attached the XXXX statement that shows my Previous balance and the ridiculous amount of the interest applied. I have copies of all my statements i did not attach them there are to many. but if you need them I will send them to you. 
I have continued to make payments. These adjustments must be made.This is clearly Predatory Lending. Thanking you in advance to sort out this matter.