WillisBack/dataset-financial-user-claim huggingface dataset:
My credit card contract stipulated that I would incur no interest charges if balances are paid in full by the statement due date. I mistakenly short paid my XX/XX/XXXX statement by {$120.00} and saw interest charges on my XX/XX/XXXX statement for {$33.00}. Knowing that it was my fault, I paid the interest charges and full open balance before the specified due date. My XX/XX/XXXX statement reflected additional interest charges of {$55.00}. When I called the credit card company to discuss the issue, I was given a very fragmented explanation about how the interest was calculated and that the XX/XX/XXXX statement was reflecting interest for XX/XX/XXXX purchases. In the end, I am paying {$88.00} in interest charges for short paying my XX/XX/XXXX statement by {$120.00}. The representative could provide no explanation as to why the interest charges were excessive. In addition, the representative refused to remove the charges or compromise. I understand that the interest is calculated daily and compounding occurs, but something is not right here.
XXXX XXXX XXXX XXXX has stopped using the Green Tree name and has replaced the Green Tree name with " ditech ''. I received my monthly statement dated XXXX/XXXX/2015. Upon examination of the monthly statement, I noted that all of the " other important information ... '' referred to Green Tree. That this error exists indicates lack of due care in the performance of tasks related to the business being conducted.
BMO Harris is inaccurately reporting information to the credit bureau on XXXX loans. My XXXX credit report, dated XX/XX/XXXX, indicates that I have scheduled payments that are past due. This is untrue. Further, it reports that both loans have 25 year terms, which I believe is also untrue. My XXXX BMO mortgage loans both matured on XX/XX/XXXX and no longer require regular scheduled payments and this is validated by my monthly Mortgage Statements from BMO Harris, which do not show any monthly amount as being due. It is true I have a balloon payment that is due and I will work with the bank to resolve it. However, what is being reported to the credit bureau is false and needs to be corrected.
Hi, My name is XXXX XXXX. I recently logged online and reviewed my credit history with XXXX and TransUnion and I saw there were several hard inquiries which were not authorized. I suspect that this could be an attempt of ID theft. Here are the names and dates that my credit was hard pulled. 

XXXX XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX Why would they continue to pull my credit report is beyond me. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help. 

XXXX XXXX
I paid this debt to the creditor who purchased it in XXXX XXXX the judgment is marked satisfied. when I called to tell them they acted like they did n't know what I was talking about. I mailed them the paperwork stating the account has been paid
I have had a loan out with this company for a number of years. 
Recently i fell behind on my bills. Too many credit cards and loans. I decided to join a debt relief program to help me get out of debt. I sent a letter to this company that the debt relief program told to me to send to them notifing them of a change of contact. The company continued to mail late notices. 
Someone who works for that company came to my home. I wasen, t there so they left a late notice with my wife. I called and talked to someone working there and asked if they had gotten the change of contact info that i had sent them three months ago. She said yes but they did not work with this debt relief program. I informed them that the debt relief program had them listed on my creditor list and did not inform me that they were exempt. I gave them a phone number for the debt relief program. They continue to call me and the references that i listed on the loan. And said that they will continue to call these numbers until i pay them. I have been in this debt relief program for five months they are negotiating with my creditors and this loan company is on the list.
Transaction XXXX/XXXX/XXXX posting XXXX/XXXX/XXXX Fraudulent charge on statement of {$210.00} from XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Called and was told charge would be reversed. 
Transaction XXXX posting XXXX Charge removed. 
Letter dated XXXX/XXXX/XXXX stating claim researched and credit given. 
XXXX/XXXX/XXXX - Seven T-Shirts received in mail with no invoice and Return address of Purchase T-Shirt, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. 
I did not order this and I can not find this company on internet and also can not find web address as shown on statement.
Letter dated XXXX/XXXX/XXXX stating we benefited directly and are responsible for balance. 
On XXXX I notified Bank of America that I  disagreed with this and they said they would reopen case. 
Letter dated XXXX/XXXX/XXXX stating unable to assist and decision not changed. 
XXXX/XXXX/XXXX I called Bank of America and spoke to XXXX to once again dispute investigator 's  findings. She told me the investigator would call me within a few days. 
XXXX/XXXX/XXXX I called and spoke to XXXX who gave me direct line to Claims Dept as I have not received a call from investigator. 
I then spoke to XXXX in Delaware office who told me my case had been reactivated and that it could take 2 billing cycles which would end XXXX/XXXX/XXXX. I offered to file fraud report with local Police Dept but she said that would not be necessary. I was told I would get to speak with investigator and participate in investigation. 
received Letter dated XXXX/XXXX/XXXX - identical to letter dated XXXX/XXXX/XXXX. 
Transaction XXXX posting XXXX Charge was put back on stating we benefited directly. 
I did not order these these t-shirts. These shirts are of no benefit to me and I will gladly send them to Bank of America so they can enjoy the benefit they think I got. I have never heard of this company. I have offered to file fraud report with local police depart. I am willing to take a polygraph test to prove I did not order these shirts
Dear Mr or Mrs , My name is XXXX XXXX Address is XXXX XXXX XXXX XXXX CA XXXX SSN # is XXXX I started working to fix my credit on XX/XX/XXXX with XXXX, Equifax and XXXX  until now XX/XX/XXXX still not done yet!! I have become a victim of identity thief as the perpetrator used my name and social security to create bank accounts without my knowledge. XXXX  and XXXX   they already removed the account does not belong to me which is the one Equifax they are " verified that item belong to me " that's what they said when i recieved a dispute result and Confimation # XXXX, after i saw that was wrong then i called them back on again and they said they still working on it give and NOW i waited too long i can't not wait anymore. 
OK they want police report, they want dispute letter i sent to them i had certified mail receipt, even i sent a dispute result from XXXX  to prove myself I done all that, i already do everything on my power. On dispute letter i already said my family going to buy a house and many many times on phone call can you guys do it quick. 
NOW i need to do my loan approval on next week but how i can do that if my credit like this. 
NOW next week i have to pay that {$840.00} for XXXX XXXX XXXX which is account i don't even know where the XXXX is this come from. ALL I need right now is my credit clear out so i can get qualify to my loan approval for my new house. 
I feel like i just got ROB. WHERE IS THE LAW IN THIS LAND!!
Documents send to credit reporting as result of Identity theft was not conducted appear documents got lost was not received. With your assistance I am re-sending then again. REF : Identity Theft I have sent previous letters to you advising you that After reviewing my credit report file with all XXXX credit reporting agencies all by certified mail ( copies of receipts enclosed ) requesting you to initiate the process and document and to work with me on clearing my file of inaccurate information from my file as a result of Identity theft. To this day of this letter I have not seen any changes or deletion of accounts been delete from my file as I said before as a result of investigation requesting for clarification of account, to have finally concluded which account have to be delete as they are the result of identity theft. Because of the time to cure this need to happen rapidly and almost a moth has been lost I am compel to communicate and resend this information with the assistance of the Consumer Financial protection Agency for the accuracy and for record keeping that indeed documents will be receive without having to have then lost which is the last thing I need as my identity has already taken and used illegally. If this final request does not prompt you to conduct a proper deletion of the accounts in question, and send proof to me of send to me confirmation of one item have been delete and that the creditor or collectors have also being advice and have them what is  necessary on their part to follow for not to cause any more damages to my credit profile. I take my credit very seriously and any lack of professionalism and assistance will be. I trust that you will do what is necessary to protect my privacy and the accuracy of my file with your agency unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I anticipate your response. Sincerely, XXXX XXXX
I applied for a line of credit with Fortiva based on the fact that the product I was purchasing qualified for 12 months of interest-free payment. At no time did I receive communication from Fortiva informing me of the conditions of the approval. Nor does XXXX ( XXXX ) website state that not getting the interest-free promotional period is a possibility. XXXX website concentrates on the 12-month interest-free financing, and once you are approved for a line of credit with Fortiva, it automatically goes back to XXXX website at no time showing the terms of the financing nor is written communication sent after approval. First communication received from Fortiva was my statement. 

I became aware that I had not qualified for the promotion of either 6 or 12 months interest-free payments when I contacted Fortiva after receiving my second statement to inform them that they had made an error in charging me interest. Had I been made aware that I would be charged 29.99 % APR, I would have used another form of payment or not gone through with the purchase.
Synchrony continuing to bill me for a fraudulent charge which I disputed. I explained that neither had I ordered or received merchandise amounting to the {$350.00} but had only purchased and paid for XXXX trial items totaling {$9.00} which were unsatisfactory and which the company had failed to allow me to return.
American Express Serve Card Division STOLE $XXXX USD from Me on XXXX XXXX, 2017, at XXXX XXXX  E.S.T.  The transaction took place at XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX, Tel. XXXX XXXX.

Emails ( From: XXXX XXXX XXXX 
To: XXXX XXXX , XXXX
Cc: XXXX , XXXX 
Bcc: XXXX, XXXX XXXX XXXX , XXXX, XXXX , XXXX , XXXX , XXXX ) were sent to the American Express Company at XXXX XXXX, XXXX XXXX 2017 to which NO ANSWER was ever received.

Once again, AMERICAN EXPRESS stole $XXXX USD from Me.
Goods and services were obtained using my personal information without prior authorization. 7 year credit freeze has been placed until 2025
I sent a letter to Dispute two collections from the company medical financials on my equifax credit report. I dont owe these amounts. I mailed supporting documentation that proves that information is inaccurate on my credit report. Equifax sent me a letter stating that collections would not be removed. My rights are being violated, I would like these collections removed from my credit report.
There is an issue with the reporting agencies using their own methods of scoring a FICO score. I read on the FICO website that the agencies are allowed to use their own method to score a FICO score, WHY? IF businesses are using a FICO score in which the standard of that score keeps changing, then how is that Fair Credit Reporting? I recently needed a FICO score for a home mortgage application and the FICO from all three agencies were vastly different with the bottom score being 80 points lower from the top score. Needless to say I didn't get the loan. These agencies need to be held to a single standard if businesses are going to use them in their credit reports and analysis of peoples credit applications.
XXXX emailed me that I have a account in collections on my credit report, I called the collection company and explained the debt is not mine. I then called the company that sent the info to the collection company and have no gotten anywhere in over a month.
On XX/XX/XXXX I had a car accident, the police called a towing company to pick up the vehicle while I was hospitalized. After a couple of days I filed a claim with my insurance provider. Then I received a letter in the mail by the police as too the where about of my car, and that the police station placed a hold on my car. I went to the towing company to see the car and took some pictures, and tried to release it to the insurance company but they said they could not until the hold was payed off first from the police. I paid of the hold and gave the document to the towing company, which they said they would releases the car to the assessors when they showed up.
On XX/XX/XXXX I had paid a XXXX XXXX course {$260.00} to attend the first day of class. InXX/XX/XXXX, I had a dispute with the merchant because they did not sign me up for the first class. I called XXXX XXXX and opened a dispute. The merchant never fought the dispute and allowed me to attend class. I entered into an agreement with the merchant to pay to pay the sum of {$270.00} cash and just reverse the charge on the credit card. I did so and there seemingly was n't a problem. I was credited the {$260.00} on my XXXX statement. On my XX/XX/XXXX statement, there was a charge of {$260.00}. I had called Citibank again to find out why I was being charged. They told me that they would conduct an investigation. I was sent a packet showing that I was charged an additional {$260.00} from their audit department. I have been calling since then and told different things depending on who I spoke to. I would either be told that the merchant never returned the money or that Citibank incorrectly debited me an additional amount. Finally, at the end of XXXX I was told that I would receive a credit of {$260.00} within two billing cycles. My XXXX statement arrived and I still have not received a credit. All Citibank does is have me call back or they call back and tell me I 'm getting a credit but they are not sure why I have not received it. It has undergone several investigations with the end of the reports stating I deserve a refund. As of XXXX XX/XX/XXXX I was given a long recap of the events that happened as I had explained numerous times only to be told, after weeks of being told I will get a credit, that I am not entitled to the {$260.00}. The way Citibank has handled this matter is an embarrassment. No one can give me a straight answer, they contradict their own findings and investigations, and now I have to take time and money to pursue legal recourse with all parties.
XX/XX/2018 I applied for a {$12000.00} loan through Lending Club. On XX/XX/2018 I received a disbursement in the amount of {$11000.00}. Come to find out they have an origination fee of 6 % of the loan amount they deducted from my disbursement. That comes to a fee of {$720.00}. It wasn't until I received the disbursement that I learned of this fee. I am sure they have this spelled out on their website, but there was no notification of this fee when I applied for it.
Ever since the origination of this mortgage, US Bank has refused to recognize the XXXX XXXX Homeowners insurance we purchase every year to satisfy the requirements of the mortgage. They continue to add their own policy to the mortgage even though we have provided the bank with proof of coverage. On occasion, they will apologize and give us a credit, but the next year we start all over with the bank adding yet another policy to the mortgage. This has been going on for 5 years. 
Different officers at the bank assure us the problem will be corrected and they will call us back. Never happens. At this point we have no idea how much the bank has added to the mortgage. 
Recently I received a letter informing me the bank was reporting late payments to the credit bureau. 
This mortgage does not have an escrow account, so we purchase insurance, pay taxes, etc., directly.
Dear Sir/Madam, Scottrade refuses to remove known-to-be-fraudulent information submitted to my XXXX file. 

Please see the attached. 

Sincerely Yours, XXXX XXXX XXXX
This company calls numerous times day, multiple times a week. When answered, they will not identify the business matter. They will also not leave messages. The debt is a charge off by a different company. They have also sent letters through XXXX for direct delivery which is just dropped on the doorstep. They are harassing me and now they are threatening to sue. I recieved a letter on XX/XX/2018 that I got off my doorstep via XXXX that saysI 'll be sued if i don't respond. The letter is dated XX/XX/XXXX.
THIS DEBT WAS PAID BY THE VIRGINIA CRIMINAL COMPENSATION FUND TEL:XXXX
On XXXX XXXX I was past due on my XXXX XXXX XXXX student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XXXX/XXXX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as XXXX days past due. In XXXX, I was also approved for the Income Based Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XXXX/XXXX/XXXX. My accounts are still reporting as past due. On XXXX XXXX, I faxed copies of my XXXX, and XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at XXXX she could not use the info. I called XXXX XXXX to see what they were reporting they are claiming that they have been reporting my current status as of XXXX XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies XXXX, and Equifax again and they said it is XXXX updating a past due status because they corrected it on XXXX and on XXXX XXXX reported it late again.
Hello CFPB- I have a new single point of contact at BofA who I spoke by phone yesterday XXXX/XXXX/17. She gave me a deadline to submit my change of circumstance info by XXXX/XXXX/17 in search of a modification. During the discussion I shared with her that I am able to resume paying the amount on my monthly statement, but the BofA will not accept it. This is due to the sale date they posted on XXXX XXXX, 2017. I have recently doubled my income and when I was told it is still not sufficient I asked how much more money do I need to earn. And here is the standard answer from everyone I have spoke or emailed with at BofA. To paraphrase, The BofA does not make that decision, that decision comes from the guidelines set down by the investor. She suggested I contact them. What follows is close to the language and describes what seems to be an intentional effort to not disclose. BofA names XXXX as investor, and the BofA as servicer is required to reveal the investor. In contacting XXXX by email and phone via a recorded message, XXXX states they are not the investor, but a Trustee for certificateholders of XXXX, XXXX My research revealed that XXXX is Countrywide , and BofA owns Countrywide . 
The result is that I and other homeowners are kept from accessing vital information. I told my BofA rep that I am in the running for XXXX full time jobs in which I am asked to state what salary I want. I need vital info from BoA what amount they demand so I can key it to these XXXX jobs. I shared this information with my BofA rep and told her that XXXX refers all decisions like income level are generated by BofA. My BofA contact became defensive and reaffirmed XXXX is the investor and makes the decisions, not BofA. 
I saw no reason to pursue this conversation in that she was getting agitated, and told her I would have the necessary docs ready when she will call, XXXX Fri XXXX. Shortly after this call I received a email stating that my file was declined though my docs had not been submitted. A later email stated that no further sale dates will be considered, thus my home will be sold Thurs XXXX XXXX.
They are calling me at least two times a week reguarding a medical bill that is very old from about XX/XX/2012 I told them I was covered by insurance I told them to take it up with my current insurance and they are not doing that they are keep calling me asking me to pay a bill
I have disputed the late payments on this XXXX XXXXXXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a  lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
onXX/XX/XXXXthere were charges made to my US Bank Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due untilXX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from US Bank in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with US Bank and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.