WillisBack/dataset-financial-user-claim huggingface dataset:
I had numerous accounts with Capital one and have paid them all. There is one that is not mine showing on my credit reports. I have submitted my documentation on numerous occasions to resolve this matter and they keep sending me the same letter stating send documentation. This is not my account and I want it removed from my credit reports asap.
From XX/XX/XXXX-XX/XX/XXXX I attended XXXX XXXX in XXXX XXXX, MD. During this time I believe I was mislead about the cost of my attendance and the terms of my private loans. In addition I was deliberately mislead during enrollment and when I asked about how the cost compared with community colleges I was told that that cost would only be a little more for what was termed a " superior '' education.
There are addresses on my report for places I have never lived. Also a fraudulent credit card opened in my name at XXXX. I have disputed this with XXXX and want it taken off my credit report.
The information of payments being late were in 2012 and it is being report as more current than this. The amount of derogatory information is causing me many problems on my credit report. I am wanting this to be removed due to the age.
At purchaae, the car was not reprogrammed to clear out other owners information. I was not told by a previous accident. I emailed the customer service person and inquired if there was something wrong with the vehicle, she did not respond. I emailed the extended warranty company and sent me the information needed that should have happened at the finance table.
I sent a dispute to Experian and they keep refusing to honor and respond to my disputes. This is the XXXX time I 've sent the dispute, which is supposed to clear up the inaccurate items on my credit. First, they say I sent a suspicious request, so they would n't process the disputes. Second time, I sent it certified mail, return receipt and they received it but never responded and 3rd time, they told me that the items had already been investigated and verified ( which was a complete lie ). There are XXXX collection accounts reporting to Experian which are all completely incorrect. 
1 ) XXXX - told me they already requested a deletion months ago2 ) XXXX - told me they already requested a deletion months ago3 ) XXXX - never verified4 ) XXXX - never verified5 ) XXXX - never verifiedThis has been going on for over 6 months and Experian is blatantly breaking the law. Why is there a law in place to protect me if this company can just blatantly break it, over and over again? 
I 'd like these accounts deleted right away.
I was staying at XXXX XXXX XXXX I had paid off everything the apartment was clean and left with no garbage or no damage. I spoke to XXXX asking her proof of damage that was claim that was left in the apartment she said she do not keep these information the collection company has it when I spoke to someone about this they sent me a bunch of paper with picture how can admit to anything when there is no substantial proof I even offer to pay the last month rent to settle they denied it
PenFed wo n't let me do anything with my account. I have {$30.00} in my account. PenFed wo n't allow me to update my address even though I mailed them proof of address and proof of identity. They asked me to call and verify the information on the phone and I did call in, but it still is not updated. 
PenFed will not allow me open a checking account with them. PenFed will not allow me to initiate a transfer out of my account. Basically they are holding my money hostage and I have no access to is.
I am filing a complaint against Specialized Loan Servicing LLC ( SLS ). At best, SLS has a faulty billing/payment process. At worst, the SLS 's billing/payment process was intentionally designed to charge their customers additional interest and late fees. 

The HELOC loan my wife and I had with this company was at the end of its term, due date XXXX/XXXX/2015. I sent in a final payment to cover the remaining balance for the XXXX/XXXX/2015 billing cycle. SLS received this payment into their account on XXXX/XXXX/15, the due date for the given billing cycle. SLS is now claiming that we still owe {$95.00}. This loan should be closed and the balance set to XXXX. 

This was not the first time that SLS has made an error in their collection process and attempted to charge us for their error. Our loan was sold to SLS within the last year. The first payment that we made to SLS on this loan was recorded as a principal payment rather than a monthly payment. SLS attempted to charge us a late penalty for that given month. My wife had to call SLS to have them register our payment as our monthly payment and to have SLS remove the late penalty. 

With this latest error, I am convinced that SLS ' errors are actually part of the company 's business model - SLS makes errors and then charges unsuspecting customers penalties for SLS ' errors. 

Here is a timeline of my final payment to SLS:XXXX/XXXX/15 - mailed final payment to SLS in the form of a check. 
XXXX/XXXX/15 - the check was deposited by SLS, check is stamped " RECEIVED XXXX XXXX 2015 Teller XXXX ''. ( Please see attached image of check ) XXXX/XXXX/15 - amount of final payment was deducted from my bank account, based on bank account records. The payment was due on XXXX/XXXX/15, SLS received my payment on XXXX/XXXX/15. 
XXXX/XXXX/15 - received XXXX letters from SLS. XXXX stating that there is a remaining balance of {$62.00}, another stating that there is a remaining balance of {$95.00}. ( Please see attached image of letter requesting {$62.00} ) XXXX/XXXX/15 - called SLS at XXXX PT. Spoke to a XXXX, she transferred me to XXXX. Requested that the loan be closed and the balance be set to XXXX. XXXX said that we still owe the balance of the loan. I stated that I am not paying SLS another penny. 
XXXX/XXXX/15 - received XXXX letters from SLS. Both of these letters state that we owe {$95.00} on this loan. ( Please see attached image of letter requesting {$95.00} )
Funds were transferred from XXXX account to Capital One 360checking account, The funds have been frozen. Security said banking regulations have been broken so the account will be closed. It was then also stated that XXXX asked them to hold the money until their own investigation is finished. XXXX said there is no such thing even if they had wanted to do so. I am still trying to get the reason for the hold in writing. 
Latest developement : After an hour on hold today, the same implausible story was repeated along with a flat refusal to put anything in writing. Is it really legal for them to hold thousands of dollars indefinitely?
Co-signed private loan for my son on XX/XX/XXXX. Began paying on loan XX/XX/XXXX. Have paid {$23000.00} on an original loan of {$16000.00}. According to Navient I still owe {$19000.00}. Have made timely payments. This company is currently being sues for predatory lending practices. This company has acted fraudulently. 

XXXX XXXX
I have tried and tried to get my payment history correct with Bank Of America. I made payment arrangements of {$740.00} so far I have made two which equals to {$1400.00}. I just checked my credit report and they are reporting that I am past due for {$1500.00}. this is in correct. Bank of America has not updating my credit and their has n't been a decrease of my balance of the second {$740.00} payment that I have made on XX/XX/2016. This is causing me a great deal of XXXX due to me being a female and a single female on top of that. I have made the arrangements of {$740.00} to catch up on the past due mortgage payments, and they still report I am behind on my Mortgage.
Stolen identity credit card open in my name on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Attached is a copy of police report
Issue : PMI Removal Our home loan was originated with Wells Fargo in XXXX XXXX with PMI. In XXXX XXXX, we submitted a request for PMI removal and received a letter instructing us of the various options. We decided to complete an appraisal and paid the fee out of pocket, but the value came in low. We filed an appraisal dispute and our claim was not approved. Recently, we inquired in XXXX XXXX to remove the PMI given our home has appreciated. We were sent a letter with the same options. We decided once again to pay for the appraisal. The reported value, XXXX showed we are now under the 80 % loan to value and can remove the PMI. Two weeks later, we received a letter stating we can not remove the PMI since the LTV must be 75 % or lower. Our request was denied. 

Recently, I was informed that a unit XXXX # XXXX XXXX in our condo was refinanced by Wells Fargo and the appraisal was XXXX, closed in XXXX XXXX. My appraisal of XXXX was completed in XXXX XXXX. The units are identical in size and dimensions with no upgrades. Furthermore, the unit owner was employed by XXXX as well.
This company keeps calling my residence asking to speak to XXXX XXXX. I have informed them on multiple locations that they have the wrong number and to not call my residence again. They still continue to call. I do not know a XXXX XXXX and she does not live at this residence.
To whomever you may be on the other end of this correspondence, .. 
thank you for your time and help, I never received the XXXX, XXXX XXXX XXXX statement showing a payment due. 

-We have not been 30 days late on a credit card in several years ( 5-10 years+ ) -On XXXX XXXX Target  XXXX XXXX " collections dept . '' contacted me in regards to my payment being 30 days past due, actually 38 days past due by the time they first contacted me. 

-I immediately paid the balance {$110.00} -They then contacted me AGAIN in regards to the same balance amount on XX/XX/18 -I paid the balance again. 
-This resulted in an over payment and a refund from them. 

-I disputed their reporting this 30 day late to the credit bureaus & directly with them. 
They said their records are accurate but clearly they are not and this is proven by their double collection of the same payment. 
-The statement was never received otherwise this small store credit card would have been paid. This is their error and it is greatly effecting my credit score. 

-- It is having a direct impact on our financing options and intrest rate on the purchase of a home and the intrest rate of that 30 year mortgage.
I signed up with MoneyGram to transfer some funds to XXXX on XX/XX/XXXX. 
I intended on transferring {$800.00}. I was limited to {$500.00} by MoneyGram, so I only sent {$500.00} on XX/XX/XXXX. 
When I saw that the transfer had gone through, on the morning of XX/XX/XXXX I transferred the additional {$300.00}. 

Using their online services, I clicked on the " send '' to same person more money. 

The recipients were not able to get the 2nd transfer. 

I chatted online with MoneyGram ( XXXX XXXX XXXX XXXX XXXX ), and called their Customer Service ( XXXX in XXXX ) on XX/XX/XXXX. 
I was told that my account had been cancelled, that the Security System had rejected me, and that I have been prohibited from using their services. They said the transaction in question would be cancelled and my money would be refunded. They also informed me that I must use another service to send money. 

I asked why denied from using service? Why was I rejected by the Security System ; on what grounds? They were unable to answer any of my questions, nor were they willing to connect me with anyone who could. 

I also discovered a change on the 2nd transaction. MoneyGram changed the recipient 's name on the 2nd transaction. The original was for XXXX XXXX XXXX. The 2nd was changed to XXXX XXXX ( last name all capitol letters )? 

Why hold my money for 3 weeks ( 3-10 business days ; they've sabotaged it so my account has been deleted, and the name was changed so that the money can't be withdrawn by anyone )? 

I waited until XX/XX/XXXX and my funds still had not been returned. I spoke with a rep named XXXX and was told that an email had been sent by the Escalation Dept. and that my refund was still in progress. He hung up on me, so I called back and spoke with a rep named XXXX. He said that it would take XXXX business day to refund monies returned to my account from XX/XX/XXXX [ 10 business days from 9/19 takes me to Oct. 2 to get my money returned to me ]. 

I waited until XXXX and I still had not received my money. 

I think MoneyGram has done something criminal by changing the name of the recipient and not returning my money. 
The receiver " XXXX XXXX XXXX '' was changed on the 2nd transfer to XXXX XXXX ( last name all capitol letters ) without my consent, apparently to prevent the transaction from taking place. 

I am appalled at being denied, prohibited from using their money transfer services for no reason. I've been implicated, incriminated, under suspicion reputation stained, rejected from using their services. I've been treated like a criminal for no apparent reason. And yet MoneyGram has deceitfully, egregiously amended a Global Fund Transfer transaction that I initiated, changing the name of the recipient that prohibited the transaction from taking place. Isn't that illegal? 

On XXXX I chatted online with a XXXX XXXX She couldn't provide me with any further information. She asked me to check my bank account to see if the refund had shown up in my account. No funds transferred XXXX at XXXX. She told could not help me and told me to contact Customer Service. 

Vicious cycle going nowhere ...
I received a notice of intent to collect a debt from BSI Financial Services and when I mailed my dispute along with my debt validation, and qualified written request they refused to comply. They keep sending me payoff letters stating they are attempting to collect a debt. I requested them to validate the debt which they have n't done. They have only responded with letters stating they are attempting to collect a debt. I have attached copies of the letters sent to their company.
XX/XX/18 wanted a release of credit freeze for a day. Had to give equifax data that was not available me @ the XXXX store. XXXX data to Equifax XX/XX/XXXX and they told me the release of freeze would be in 1 hour and last for 24 hours.Returned to XXXX XX/XX/XXXX and credit freeze was not lifted. Equifax wanted me to go through the same mind boggling questions .ried to do that at XXXX but Equifax was not satisfied. Tried to escalate my problem but got nowhere. XXXX was able to get around problem and start my account. 

Equifax claimed there was a computer problem. They are extremely difficult to deal with. Either they should be required to have more competent employees or computers that work properly or both.
XXXX XXXX XXXX XXXX XXXX has placed a derogatory remark on all 3 of major credit report companies. It is a medical bill reported from XXXX  Hospital XXXX XXXX for services dated XX/XX/XXXX. The patient 's name is my adult daughter who listed me as an emergency contact, not a guarantor of her charges. I do not recall ever having signed to pay any of her bills since she reached 18 years of age. 

I have attempted to contacted the collection company, XXXX  Hospital XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. None will provide me with evidence that I signed to guarantee her bills. XX/XX/2018 I spoke with XXXX XXXX 's office. Employee stated the computer listed my name as guarantor but was not able to provide me with any documents proving this. She was unwilling to remove me as guarantor. She stated that my daughter would have to have me removed. Daughter who had not been speaking to me since XX/XX/XXXX answered my text and denied she was ever aware of money owed to XXXX XXXX. After making several phone calls, daughter stated that several people told her there was no money owed. Daughter had my name removed from computer as Guarantor but no one provided her with a signature that I had ever agreed to cover her medical bills. In XX/XX/XXXX and XX/XX/XXXX I filed disputes with all 3 Credit Report Agencies. The derogatory remarks were removed only to return in XX/XX/XXXX under a different reference number. XX/XX/XXXX I received an email that XXXX  determined it was my debt. To date, no one has ever provided me with a document showing my agreement to pay my daughter 's debts. The derogatory remark remains on my credit reports. 

After several attempts to contact daughter and her husband, my husband received a text that she had already done all she could do to rectify the problem, including paying a small amount toward the debt. As they are no longer having any contact with us, we have hit a dead end.
I thought that lenders - for any loans, not just student loans - were required to provide timely and accurate billing statements. I am attempting to re-finance my student loans currently serviced by Navient, and much to my surprise there is not a way to access your billing statements via their web portal. I have been on autopay for years, and not had a reason to look for a statement, but I am appalled at how difficult it is. It is hard not to wonder whether they are hiding something. My guess is that they want to make it difficult to re-finance with another lender, and they know that is more than likely the only reason you would be accessing billing statements, so they make them difficult to obtain.
I have disputed the late payment status reported on the account XXXX XXXX XXXX  XXXX but got no response from the credit bureaus..This error has affected my credit score tremendously..CFPB please step up and fix the account asap,
This complaint concerns Synchrony Financial. Synchrony Financial offers store credit cards with deferred interest. I had a store credit card with XXXX 's XXXX. Another furniture retailer, XXXX XXXX XXXX XXXX was able to use this existing account to process a transaction. The terms of the transaction were such that I was able to get 18 months no interest on the purchase. The purchase was for XXXX. Due to an issue with the store, I sought a refund and the store agreed. The store put a XXXX credit. However, instead of XXXX out the account, Synchrony applied the credit to a different Synchrony account I had with another vendor, XXXX XXXX. The XXXX XXXX card had a larger balance and a longer no interest term, ( 4 years instead of 18 months ). I believe this was intentionally done by Synchrony. Now I have to make two monthly payments instead of one, and I have a high balance on account with a shorter no interest period.
I called  XXXX  who is the services my student loans multiple times to figure out why I have over  XXXX  late payments on my student loans. I explained to the agent that my loans were in forbearance and deferment which means I was not obligated to pay the student loans those times because my payments were put on hold for the forbearance. The agent agreed that in  XXXX  my loans were in fact in forbearance, but  XXXX  would not remove the late payments. The agent then proceeded to tell me to contact the credit bureaus to see if they can remove them or wait the  XXXX  years so they can fall off my credit report. I do not think it is right to penalize someones credit worthiness by putting late payments on their student loans when they were not obligated to pay due to forbearance and deferment. I contacted all three credit bureaus and asked if they can delete the late payments. They all declined and informed me that the original creditor would have to remove the payments. I feel as though this issue will never get resolved
In XXXX 1996, I and my then spouse signed a mortgage contract with XXXX XXXX XXXX. The loan was soon bought by Greentree Servicing and recently, Greentree changed over to Ditech. I have been divorced for approximately five years and in the divorce decree, the judge granted both the land and home to me. This divorce was granted through notice of publication since the whereabouts of my spouse were unknown. 
The mortgage contract ends soon and the payoff is currently little more than {$5000.00}. With this being the case, I attempted to speak with a representative from Ditech regarding some questions about the mortgage and they refuse to speak with me and answer my questions because they claim I am not on the loan. I signed the mortgage, and all relevant notes necessary in obtaining the original financing. I have offered to provide them proof of every statement I have made herein so that the disputed issues such as escrow activities can be audited and an accounting provided. 
The whereabouts of my former husband are still unknown to me. 
It is my sole desire to have a true audit of this account so that I may determine a legitimate payoff amount. 
Lastly, since the inception of the original loan I have increased my credit score to a point significant to have qualified for a reduced loan rate through refinancing but due to the failure of this lender to even communicate with me, I have been denied the opportunity and thus been penalized by being frozen at the rate of the original mortgage. This in itself has cost me several thousand dollars. 
As a woman, I feel that I have been discriminated against for this reason. The mortgaged property is located at XXXX XXXX XXXX, XXXX, AL XXXX in XXXX County
I found that my criminal record that has been EXPUNGED is showing up on my report. You can contact XXXX XXXX XXXX at XXXX ext XXXX and talk to XXXX and verify this information. I want it off my public record on your site immediately! It is preventing me from obtaining housing.
XXXX XXXX XXXX {$1500.00} I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( 01 XXXX  XXXX  ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I have a 30 year fixed mortgage with TCF bank. My monthly payment is XXXX due on the XXXX. I paid it on the XXXX and they only applied XXXX to my principal. the rest went to interest. They distribute my payment unevenly every month. I have never been late. I think the distribution is grossly unfair. I have written to the bank president who said that when the payment is not paid on the XXXX, more goes to interest. I understand that, but {$1000.00} to interest and XXXX to principal? Can you help please.
I was supposed to get cash rewards for credit card points. I clicked an option to collect my cash rewards and signed up to have them transfered to my checking account. I was told it would take 7-10 business days. After a month, I still never received the reward. I called and they told me there was a system error and they are manually giving out the rewards. I never received an email, letter, or phone call about this. However, if I was late to make a payment they would not hesitate to charge me a late fee. However, they make me wait over a month to redeem my rewards and then dont even tell me about the system error.
To Whom it may concern, I have a student loan under Navient, and these last few years, the payments are extremely high, I am not working at the moment and not able to afford the UNPAID interest. I am very concerned with this, because my loan started at XXXX and now is up to XXXX- plus. My loan is in Forbearance, a long time now, and I cant afford to pay this crazy amount. I think its very unfair, please someone look into this matter, before my credit is DESTROYED!!!! I contacted Navient to discuss this matter, and no help was offered, they just want MONEY!!!!! they do n't care about anything else.