WillisBack/dataset-financial-user-claim huggingface dataset:
Earlier this year I applied for a consolidation loan through Fedloan Servicing. The amount of the loan that they show is incorrect. I have tried numerous times to get them to correct their mistake, and have made no progress. Here is a copy of the text of the email that I just sent them that describes the dispute. I have uploaded copies of the statements of account and bank statements. Thank you for helping me resolve this matter. 

XXXX : account # xx xxxx xxx xx. 

To Whom it may concern : Earlier this year, I applied for a consolidation loan. Before the loan went through, I obtained other financing and paid off most of the loans myself. I did not realize that the consolidation loan would go through no matter what. Unfortunately, the consolidation loan amount you show is not correct, and does not match the payments that Fedloan Servicing actually made to my accounts. I have called numerous times to get this settled, and have made no progress to get you to correct your error. I have obtained statements of my account of my previous loans that show my payments, as well as yours, and have attached them. I have also included printouts of my bank account that shows the payments I made. 

XXXX loans were consolidated. Details follow : XXXX loan # xxxxxxx. Paid in full by me with check # XXXX for {$530.00} XXXX. NYS XXXX case XXX-XX-xxxx Balance of XXXX. {$50000.00} paid by me on XX/XX/2016. {$2.00} paid by Fedloan Servicing on XX/XX/2016. 

XXXX. XXXX loan account # xxxxxx. {$10000.00} paid by me on XX/XX/2016 with check # XXXX. {$1700.00} paid by Fedloan Servicing on XX/XX/2016. 

It is easy to see from the statements of accounts that Fedloan Servicing paid {$2.00} plus {$1700.00} for a total of {$1700.00}. Please adjust this amount, and figure interest owed to the date of my first contact with you. As soon as I receive a correct bill, I will pay it in full. 

Because this has taken so long, despite numerous calls, I am filing a complaint with the Consumer Financial Protection Bureau as well. 

I look forward to resolving this matter now. 

Sincerely, xxxxxxx xxxx XXXX is worth living.
I have requested validation of a debt listed on my credit report from XXXX XXXX XXXX also listing their information as XXXX. I have never borrowed any sum of money from the XXXX and I have asked them numerous times to prove the loan source. None of this information is listed with the XXXX XXXX XXXX which is the actual lender for school settings.
my applicant was decline approval base on my location and a negative inquiry was still file offending my score.
Experian XX/XX/18 Report # XXXX Errors Page 15 of 16 Under Notices XXXX XXXX XXXX XXXX is not a Retail Trade Business as stated by Experian. XXXX XXXX XXXX is a Residential Address.
A payment was due and received on my XXXX XXXX XXXX with Bank of America on XXXX XXXX. It was received as it has always been via electronic payment directly from my bank account. Yet when I signed on to online banking today, XXXX XXXX, two weeks later, to check this credit card account, a red symbol came up indicating that a " payment is due '' on this card. This is false since the next payment, for less than the last XXXX, is not due until XXXX XXXX. 
When I called the number provided on the online banking website to discuss this account ( XXXX ), I was on put on hold for at least XXXX minutes. This is after I had to call back XXXX4 times due to the inability to reach a customer service representative in a reasonable manner initially and having to deal with an unsupervised computer that blocked the way to being able to reach a human being. So after at least 20 minutes of wasted time, a person picked up the line. At that point, I questioned the false information showing up about a payment being due on BoA 's website, whereupon the person I spoke to started to tell me various things I could do to correct BoA 's website. 
Since I am not a BoA employee and had already had too much of my time wasted, I then asked that the person put a note on my file stating that I had requested, should a company ( Improvements ) attempt to charge my credit card, that it not be allowed to do so. The person I spoke to refused to grant my request and instead dissembled and obfuscated my request by offering to note something on my file that I had not requested.
I am concerned by the fact that I have NEVER received a FREE Credit report from Equifax ... I have had to PAY for them ... and on an ON GOING Basis. WHY IS THIS? This was the only way I could receive it online. Is that standard practice? I was so desperate to see what my report looked like I DID Pay, both my dad and I. Once for {$15.00} on XXXX 2015 AND again on XXXX/XXXX/2015. The site said " Failed '' and the only way I could get it was by PAYING For it! XXXX XXXX TIME THIS HAS HAPPENED ) I want to know why I could not have access to my report without having to PAY for it, more than {$30.00} in less than a XXXX month period? 
And Possibly be reimbursed since I never received a XXXX Copy this Year. 

Thank you!
I found out that a XXXX XXXX account was opened using my social security number. I also filed a police report on XXXX XXXX, 2013 stating such. This debt has been sold to multiple collection companies over time. Pinnacle Credit Service has reported this on my XXXX report without validating the debt, which is a violation of the FCRA. I have sent multiple letters, which has included the police report to Pinnacle or their associates, in which the collections will then change hands. I am extremely upset that this company is willing to report such damaging items on my credit report without validating the debt.
who is XXXX? I am formally requesting validation of this debt, owed to this organization otherwise I am requesting removal for this posting from all impacted credit Bureaus.
I have paid my bills on time and have a good relationship with my creditors. However, my new JCPenny Credit Card issued by Synchrony Bank lowered my available credit by 33 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.
I received paperwork from Wells Fargo approximately in XXXX of 2009 regarding a private student loan that I owed. When I contacted Wells Fargo regarding this student loan account they had no information to provide to me. They could not tell me how/where they obtained this loan from, when they " bought '' /obtained this loan, etc ... Since that time I have contacted Wells Fargo on numerous occasions asking about this loan and received the same " answers '' over and over again. No information has ever been provided to me about this loan, or where this loan came from. I get a monthly statement that I have continued to pay out of fear of collections or negative impacts to my credit score. I have also contact Wells Fargo numerous times requesting my monthly payment to be lowered due to my income, housing bills and being a single mother. They have told me over and over again that because this is a private student loan they have nothing to offer to me that could help me lower my payment nor do they have any obligation to offer me anything because it is a private loan. I never once received any loan disclosure statements, never once did I sign ANYTHING for Wells Fargo for a private student loan, nothing at all that would make me feel like they obtained this " loan '' on the up and up, so to speak. My biggest concern here is if this account is even legitimate or if I somehow have been affected by this huge scam of fake accounts that has been brought to the attention of the public. If I have been affected how would I know? Who would I contact? Where would I go? If I have n't been affected or " scammed '' what are my options for help with private student loans? I really need help with this and help with trying to figure all of this out. Thank you very much for your time.
I 'm receiving these letters from this collection agency called Midland Credit Management Inc. and they want me to pay the amount of {$2000.00} and this is absurd. I have never conducted business with this company and I am disputing this claim. I do not know how these people got my full name and my address.
XXXX  is reporting a XXXX reposession on my credit report its been over 10 years thats should not be on my my credit report as XXXX XXXX XXXX was paid and transfered to cascade capital.
I called to cancel my card on XX/XX/XXXX but was talked into keeping it open with an offer of a {$50.00} statement credit and XXXX bonus miles for charging {$1000.00} each month for three months. When I stated that I did not want to pay a membership fee, I was assured that three month period ended before my first year was up which was XX/XX/XXXX. This agreed with the valid from date on the card which was also XX/XX/XXXX. Since I signed up in the middle of a statement period, I called back to clarify whether the months were calendar months from date of offer or dates that coincided with statement dates. I was told the three months were XXXX day periods starting on XX/XX/XXXX. When my next XX/XX/XXXX statement showed the membership fee, I called on XX/XX/XXXX at XXXX CT to ask about the fee, explaining that my XXXX year did not end until XX/XX/XXXX according to my card and the last representative I spoke with. I stated that I had planned to cancel the card before the fee went into effect and that I had questions about the promotional offer. The representative then said that she credited the member fee and cancelled the account while we were talking. I stated that I had not asked her to do that. She stated that she could re-open the account and, if she did, I would continue to be eligible for the promotion. I expressed a sense of urgency in that the deadline for making purchases within the promotional period was ending soon. She allegedly made a note on the account and assured me they would notify me by phone when the account was open so I would not have to wait for a letter. I never got a phone call. However, I determined that the account was re-opened and called customer service on XX/XX/XXXX at XXXX CT to ensure I was still on track to receive the rewards according to the promotional offer. I did so because that was the only reason I would charge any additional purchases to that card. I was told that I was still eligible and proceeded to charge another {$1000.00} before the end date of the offer. However, I did not see the credit when my XX/XX/XXXX statement was posted so I called customer service again on XXXX at about XXXX pm to ask why. I was then told that I did not meet the terms of the offer. I asked to speak to a supervisor. " XXXX '' claimed to be a manager but would n't provide a last name. XXXX told me that despite my being told during XXXX previous conversations that I was on track to receive the bonus miles and statement credit, he would not honor the promotion. XXXX stated that I became ineligible when I closed the account. I explained that I did not ask for the account to be closed, that the closing was a misunderstanding by the representative, and that I was assured on XX/XX/XXXX and XX/XX/XXXX that I would still be eligible for the offer when the account was re-opened. Somehow, it did n't seem to matter to XXXX that his information contradicted what I was told by at least XXXX other representatives or that the account was closed in error. Bottom line from XXXX is that Citibank 's error was now my problem. Citibank did not honor their agreement and penalized me for the errors of their representative.
I went to open an account & get a cash advance with BOA on XX/XX/2016 in XXXX XXXX, NJ. Everything seemed ok & I was provided with a new temporary check card. I have $ XXXX in a XXXX account along with a credit card so I was entitled to gold preferred checking. I went to use the acct. yesterday & could n't. I made a call and found out that it was closed & I need to go in to get a cashier 's check for the {$1500.00} sitting there. I went to BOA in XXXX, NJ XX/XX/2016 @ XXXX & did n't leave XXXX XXXX cuz no one wanted to listen so I could explain. XXXX I sat with XXXX ( sp? ) & she looked at the acct & sent me to the teller. She mentioned that it was pending closing but that my card was shut down. The teller XXXX was extremely nasty & wanted to pass me back off immediately to sit back with XXXX ( sp? ) because she made me input my card & pin # which would n't work cuz the acct was closed which I tried to explain to her. She said " well how are you entitled to the funds ''? She would n't let me explain & told me they have to phone the call ctr. I was on hold in XXXX 's office for over XXXX minutes & finally someone answered the XXXX & told her exactly what I said & she brought me back over to the teller line which I stood in for another XXXX minutes because the woman mgr. decided to take the woman behind me in line to help with obtaining checks while the teller was bz with other people. So, I had to wait for the XXXX to come back over to walk XXXX the teller thru the process for to now get the $ $ that I XXXX came in for. XXXX asked me if I had my driver 's license which I provided to her over XXXX minutes prior as if she did n't remember. Meanwhile, the customer service people I spoke to the night XXXX could n't give me any info for while they closed the account and I felt like I was a criminal. I know I had all of the credentials necessary that qualified me for the gold preferred checking. So, I was given XXXX addresses to contact for further info regarding the acct. Office of the XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX BOA, XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX and I was to reference the account #. Getting back to my experience in BOA in XXXX, NJ. I never got an apology from anyone of them I spoke with XXXX XXXX people ) for not fully understanding the matter at hand for a quicker resolution ; nor did the XXXX seem to mind that I was waiting for over XXXX minutes because her employees did n't understand my dilemma and yet she had me wait additional time for her to take another customer ahead of me. I was appalled & disappointed with the complete process.
I am XXXX XXXX, writing on behalf of many of my colleagues. 

We continue to encounter Builders in the XXXX XXXX area ( XXXX XXXX & Colten Mortgage, XXXX XXXX & XXXX XXXX to name a couple ) that offer thousands of dollars in incentives to buyers if they use THEIR lender. In most cases, the customer pays more in origination fees & points and gets a higher interest rate but they feel like their hands are tied. 

Can you please help us to understand if this practice is legal? We really don't understand how it could be? Can the CFPB please confirm the legality? 

Thank you
in XXXX my identity was used to obtain several credit cards. I contacted the companies at that time and explained everything. it was resolved. earlier this year i received a notice from Portfolio recovery solutions requesting to settle the debt for half of the amount owed. I ignored the letter but received another one just recently. I sent a letter to the company stating that it was XXXX years old and identity theft. I told them never to contact me again. I received a letter yesterday asking for copies of the police report and verification that this debt is not mine. even after i told them not to contact me they are still harassing me.The letter states that the debt was purchased XXXX/XXXX/XXXX from arrow financial. the balance is XXXX.
There are two payday loan lenders who are out of control. Wrecking my bank account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ( phone ) ) ... .The first is CashNetUSA ... 
Dear XXXX XXXX, Customer # XXXX This is a reminder about your minimum payment that is coming due for your Line of Credit # XXXX with CashNetUSA. 

On XXXX, a payment of {$250.00} is due. 

They put my bank account in a - {$140.00} even after I told them not to debit it which they agreed -- -- then told me they could not stop their computers from yanking money out my account. Their interest rate is 399 %. They refuse to work with XXXX for a loan consolidation. 

The next lender is XXXX, my account is # XXXX. They just take money in lumps of {$590.00} over a fourth of my paycheck. This leaves me in the negative account zone by the middle of the month. Their number is XXXX XXXX XXXX. 

Please help this man drowning in debt. 

XXXX XXXX XXXX XXXX
Somehow My father accidentally added me as an authorized user on his credit card at  Home Depot.  I was never and have never been involved with his  Homedepot  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the    XXXX   XXXX   d own into the    XXXX   XXXX   a nd has affected my ability to get an addiquit house loan. Homedepot removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a Homedepot and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting he r credit score. It jus t does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem. Home  Depot  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all
I paid off my Wells Fargo car loan more than five years ago and the bank continues to report that my last payment was more than 30 days late when it was not. <P/>I have asked all three CRAs to investigate this and they all say that Wells Fargo continues to verify that the loan was paid off more than 30 days late. I have even asked Wells Fargo to verify that it was paid late and the bank continues to claim that it was when I know it was not. <P/>This inaccurate late payment is affecting my credit score. <P/>Can you help me get it off my credit reports? <P/>Thank you.
1-EXPERIAN refuses to investigate ACCOUNT XXXX, XXXX ( proof attatched ) 2-account does not display a correct DOFD, ( date of first delinquency ) 3-account does not contain fall-off date, experian reports the date assigned to collector, as a result experian has re-aged account 4 experian has included their statement that account is reporting according to FCRA when on the face of the record that statement is proven false. 
5-account was paid off XXXX/XXXX/16 for an amount in excess of collection amount XXXX ; in CALIFORNIA it is illegal to charge any collection fee that is undisclosed in original contract ... .violates debt collection law. 
6 account history shows in collection in XXXX 2016 when was paid XXXX XXXX 2016. 
7 according to fcra creditor was required to send dofd within 90 days of reporting not years later XXXX amount and date are not shown on report ( not reported ) 9-experian no longer has 30 days to investigate or remedy since they have verified falsely and conclude the specific dofd investigation. 
10-applicable fcra law is attatched here regarding dofd violations by experian
After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro 2 compliant in the verification of their consumer credit reporting as detailed in the description of e-Oscar ( their web based automated verification process ) Their exact e-Oscar definition ( per XXXX XXXX XXXX ) is that " e-Oscar is a web based metro 2 compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX  in which I disputed with them on XX/XX/XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro 2 and the FCRA standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro 2. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.
Last month due to the inability to access my account through rush card for almost three weeks i occurred numerous late fees and penalties through my creditors. I have submitted XXXX bill for review through the upload and i will attach it to this as well showing that on the water bill i had a XXXX late fee/reconnect fee because my service was disconnected for non payment. Me and my kids ages XXXX and XXXX went 5 days with no running water in our home as a result to your company 's mishap. No to mention my landlord charge me a addition XXXX on the rent due to late fees that where accumulated. As far as rent goes I tried to pay my rent to my landlord and even he and I contact Unirush together and spoke to a lady from the XXXX and all she could do was tell me that there is a issue she cant pull up anything and hung up we called back three time following and each time they told us to hold and transferred us to the disputes department who does even handle that. My car note charge me an additional XXXX dollars for being late on my note they threaten repo and not only that my reputation with them is shot because i could n't give them a time frame on when my note could be paid. Unirush messed up so many people lively hood. While XXXX XXXX was at home eating with his family i had no money to pay for groceries for my kids due to his company had my money lock up. We ate noodles. I work daily and barely make it from pay check to paycheck now and then you hold my money causing me extra strife I do n't think its fair and i think you need to step up and cover the damages your company caused. At this point there may not be a XXXX cause i have to pay all this extra in late fees this outage was crippling to my family.
In XXXX 2015 I contacted Capital One regarding paying off my cash advance. I was told an exact dollar amount that I would need to pay off the balance of the cash advance. I took out a loan and paid the exact amount that was needed to pay off the cash advance plus the minimum payment required in XXXX 2015. I just reviewed my statement and noticed they are still charging me a separate interest charge for the cash advance. I contacted Capital One and they said the payment was applied to my balance, not to the cash advance and they could not change how the payment was applied. I have documentation from Capital One showing the exact amount they said I needed to pay in order to pay off the cash advance.