WillisBack/dataset-financial-user-claim huggingface dataset:
Date : XX/XX/XXXXCredit Monitoring Agency : I have noticed that the wrong account of collection was reported to my credit file by Credit Management Company. I want to dispute the wrongfully reported account as it was paid on XX/XX/XXXX. 
When I have received the invoice from Virginia XXXX with wrong amount, I had called their billing dept on XX/XX/XXXX and talked to XXXX XXXX in XXXX office. She asked me to pay the {$300.00} ( the agreed amount ). She told me that she will adjust the account accordingly. I had paid the {$300.00} as per our discussion. ( Pease see the proof of payment and my note on the invoice as summary of our discussion. ) It was paid through card with written memo as full and final payment and Virginia XXXX XXXX processed payment as full and final payment. ( Please ask for card payment signature proof to Virginia XXXX XXXX, you will see my memo ) I have attached the supporting document to support the unlawful. I am asking for full investigation of abuse of system by Credit Management Company to collect money which was paid to original creditor. 
I had paid the full balance of the service received from Virginia XXXX XXXX as per agreed. 
Please see the proof of payment - XXXX bank statement traction of {$300.00} ( Agreed amount ). I have provided the proof of agreement and payment to Credit Management Company ( please see attached latter dated. XX/XX/XXXX to Credit management company ) On the same letter, I had asked to provide me further document to validate excess amount of {$120.00}. 
The Credit management company has never responded to my letter and did not provide any proof to validate the excess amount {$120.00} which they want to collect from me. 
Please feel free to contact me if you need any further information to dispute this account and remove from my credit file. I would appreciate if you remove this dispute account from my credit file. 

Thank you
XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This item was to be deleted from my report. My submission to the CFPB was apporved for this item to be deleted and to date it has not been deleted.
Citibank was sending statements to the wrong address. The XXXX had an annual fee which I was unaware, as I did n't receive statement, and cause the card to go XXXX day late before I could catch it. The account had a XXXX balance before the annual fee and now I have paid the annual fee and late charges that it had caused. I asked to have them remove the XXXX day late reporting but they refused but they wont help. They also lowered my credit line from $ XXXX {$250.00}, which is also adversely effecting my Can you please help me with these problems? I have reached out to citibank on multiple occasions, and spent hours on the phone with no resolution. 
mastercard account # XXXX
CAPITAL ONE BANK FAILED TO REMOVE AALL HARD INQUIRIES FROM XXXX AS PROMISED.
I suffered a hardship in XXXX of XXXX. My father passed away, I paid for the funeral and then shortly after I lost the tenant in my apartment. I kept the mortgage company Nationstar aware of what had happened and asked for some understanding. The mortgage was not paid XXXX, XXXX & XXXX of XXXX. In XXXX XXXX I got a new tenant. I immediately sent a payment for XXXX & XXXX and advised them that starting XXXX XXXX I will send the regular payment & and additional {$500.00} a month until the 3 months I originally missed were paid for. Nationstar sent both payments back to me. They said either give them the entire 5 months plus late fees, attorney fees etc or they are starting foreclosure. They said my only option was a loan modification. I asked " what if I am not approved '' the loan specialist on their recorded line said " you will be approved for something I just do n't know what ''. So here we are 11 months later with a tacked on {$5000.00} in attorney fees, I am denied with no other option but to try and borrow {$16000.00} to make this loan current. The denial was because it 's not my primary residence & they will not accept all my income. Even though they asked me to send in my contributor package twice with my husbands income. They denied my application after 11 months stating that the only income they will accept to show all my expenses is the rental income. The big issue here is that they knew from the very beginning that this was a rented property but racked up {$5000.00} in attorney fees and late fees dragging me along when there was absolutely no way I was getting approved for a loan modification. So now my attorney fees, late fees etc. cost more than the original three months I was behind. It would have taken me 6 months to bring the mortgage current yet they intentionally strung me along so they could rack up as much money as possible leaving me no other option. The worst part is that everything else, taxes, 2nd mortgage and HOA fees are all current. The 2nd mortgage company XXXX took the 3 months missed and put it to the back of the loan, they immediately worked with me due to me never missing or sending a late payment in the last 10 years that I have had this mortgage.
US Bank acquired my mortgage from Concorde XXXX. I originally had a mortgage for {$96000.00} with Concorde but US Bank has added so many erroneous fees that now US Bank says I owe {$100000.00}. I have been assessed fees for force placed insurance, property inspection fees, legal fees, late fees, etc ... The mortgage servicing company is XXXX XXXX XXXX. I have been working with XXXX to come to a resolution about my mortgage. According to the FDCA, Foreclosure proceedings should have been haulted while XXXX and I were in negotiations. I am constantly being harassed with correspondence from XXXX XXXX, US Bank 's attorneys. I feel this company is abusing its power by just adding these fees to my loan and trying to foreclose on my home even though I am working out a resolution with XXXX. I have been denied employment and affordable housing because of US Bank. The loan was predatory from the beginning and has become completely un-manageable for me to bring the account current. I am asking that all collection and foreclosure activities stop.
On XX/XX/XXXX, I made a principal payment to my mortgage account that dropped the original loan to value to below 73 %. 

OnXX/XX/XXXX, I contacted XXXX to ensure PMI will be automatically dropped as required by Federal Regulation since the balance is below 78 % and I have never missed a payment. XXXX refused to automatically drop the PMI and further stated they only drop PMI after the loan is 5 years old and the loan to value limit is reached which is a clear violation of Federal Regulations concerning PMI. I was also told I must send a letter to 5/3 requesting that PMI be dropped and if I didnt they would continuing charging PMI for no reason other than that the mortgage loan is not more than 5 years old.
In the XX/XX/2015 I applied for a HECM as power of attorney for my XXXX year old father. 
This loan was approved, closed in XXXX of 2015, and an initial draw was taken on XXXX XXXX, 2015. My father passed away on XXXX XXXX, 2015. Ever since this process has been a total nightmare. Monthly reverse mortgage statements continue to be mailed to my father 's previous address, delaying my receipt of what could be important information. The most recent statement includes a charge for another property appraisal, less than four months after the original property appraisal. Each month 's statement also includes a fee for property inspection ; I have no idea what this means and certainly was never informed of such a charge during the application or closing process. Most recently I was informed that propertyinsurance coverage has expired and the lender is going to buy said insurance. Again notice is sent to an address which is not mine delaying any response or corrective action. Moreover, I have not received any notice of insurance expiration from the insurer and have recently paid a premium installment. My original intent was to sell the property and repay the loan with the proceeds, but to get out from under this treatment I applied for and was approved for a home equity line of credit on my own residence. I want to be rid of this siituation and this company as soon as humanly possible.
HSBC US is, in my opinion, behaving in a discriminatory fashion in refusing to open a checking account for me, a licensed U.S. Attorney. I am an XXXX with extensive business experience in XXXX. In XXXX I visited the HSBC Branch on XXXX XXXX ( XXXX ) and XXXX XXXX with company documents, the necessary identification, and EIN documentation. Thereafter, I was invited for an interview. I spoke about my business accomplishments in XXXX and what I was trying to do -- set up a transcontinental airline. After the two hour interview, I did not receive so much as a letter indicating the status of my application. 
In XXXX XXXX, I decided that I would go to HSBC XXXX XXXX, as I did not want to deal with the unprofessional people at XXXX XXXX Branch. To my surprise, the same lady, XXXX XXXX, was the branch manager there, and said she would get back to me. Bear in mind, this is to open a simple checking account. I provided Certificate of Good Standing as a XXXX, XXXX, XXXX, proof of registration from the state of Maryland, and XXXX Identification Number. After a few weeks, still no answer so I worte to XXXX XXXX, and told her that I thought her treatment of me was highly discriminatory, and that I would take legal action if they do n't get their act together. She referred me to XXXX XXXX, XXXX at HSBC in New York. This time he said that all accounts having to do business with XXXX ar high risk, and that he woud take the pressure of of XXXX XXXX and send it to their compliance department. I reminded XXXX that the United States recently reapproved the XXXX Gowth and XXXX XXXX ( XXXX ), which was designed to encourage trade between XXXX and the XXXX. I also reminded him that the XXXX bank of the United States is providing millions of dollars in credit guarantees to XXXX companies purchasing U.S. manufactured goods, and that the XXXX XXXX XXXX XXXX ( XXXX ) was providing millions of US Dollars in project finance to companies overseas in which an American citizen owned at least 30 % shares. Therefore, I proffered, how could HSBC have such a policy that discriminated against an entire continent of XXXX people, and why have they reduced to address the issue of opening the account by putting something in writing. If find the entire treatment unacceptable, discriminatory, and illegal, and I want the necessary action to be taken against HSBC US.
i am a victim of identity theft and someone open and bill for XXXX in my name. i have sent the police report to this company for proof that the account isnt mine and it is still on my credit report
My experience with your organization has been a mixture of a grateful " thank-you '' and a pressing request concerning my trade line, in my credit files from XXXX XXXX Toyota Financial XXXX XXXX XXXX, that I would like to have revised, to accurately report my payment history. 
Pursuant to Section 611 of The Fair Credit Reporting Act, please investigate the following late items that your organization has mistakenly reported on my credit report ( s ). 
My account number with XXXX XXXX Toyota Financial is : Account Number XXXX 2015 XXXX XXXX XXXX. 
As discussed, I have been communicating on many occasions about issues with payment transaction issues. Each and every time I have communicated with your organization, I was assured that NO LATE PAYMENT would occur as circumstances beyond my control were wreaking havoc on this situation, and in a timely fashion made sure my payment was gotten to XXXX XXXX Toyota Financial before any derogatory credit deadline. 
What makes it even more difficult is when I am confronted with such an instance, your back-up payment options are limited, and truly added to the stress of the situation. 
There are many exacerbating circumstances that caused such hardship ( s ), and confusion with my transactions. All in which were proven beyond my control, that no body truly has a concrete explanation for, and my payment history does not match your payment history ; thus you are reporting the XXXX 30 day late payments inaccurately. 
I do n't have all the answers, but my virtues are made apparently present by my unwavering payment history, by my extremely high amount of direct communication with you and your team, and by the numerous promises from you all that you understood that my situation was special, and I would NOT endure the devastating reporting of any 30 day late payments on my credit report ( as I was never 30days late. ) With that said, I have been through a long road of hardships. I was injured and am now retired from the New York XXXX, I am XXXX, I suffered a divorce, and a Bankruptcy. I have been working so hard over the past four years and have been re building my credit until now. 
I also suffer from XXXX. So you can only imagine the stress, the confusion, and the situation of keeping my payment history perfect. 
I did not pay my XXXX payments 30 days late, I have proven your records are inaccurate compared to the financial institution transactions, I have made sure within days of notification of troubled transactions I got the payment to you by any means possible, and I have shown a high attitude of virtue, by going as far as paying a double payment in XXXX, for both XXXX and XXXX, thus proving I had the funds to satisfy my promise to you all. 
I am kindly asking for you to please remove these XXXX inaccurate late payments, as I am in the process of getting a new home via my Veterans Mortgage Benefits, and this is affecting my abilities in a serious manner. 
I thank you again for your kind understanding, for all of the awesome customer service reps whom showed me so much understanding and compassion, and for the opportunity to take care of this issue.
Paypal continued to harass me about opening a credit account, so finally I applied and opened an account in XXXX 2015. Less than 2 months later I received a notice that my account was closed because Paypal had not updated my new address. I received the notice at my new address. I contacted them and was informed that they would reinstate my account but that I was forced to allow them to run a " soft credit '' report in order for them afterwards to reinstate my account, so I hesitated, but then agreed. We had an agreement. I also filed a seller complaint against a merchant who misrepresented an ad where I received merchandise not resembling the ad 's description. I faxed all relevant documentation to Paypal timely. Instead, the letter I received from them in XXXX stated that my account was closed and the dispute was closed ; the letter was also very vague. I immediately contacted Paypal and that is when I was forced to submit to a soft credit check then my account would be opened. They never re-opened it and the dispute was never properly followed up on. I have made several calls since then requesting to speak with XXXX XXXX, to which I was told I could not. He is the head of credit I was told by XXXX or XXXX, so very ghetto behaved loser in escalations? She also told me that " I am the highest you 're going to get next to XXXX XXXX ''? When I was speaking with her, the line went silent for a long while ; I thought maybe we were disconnected, but she was just playing hoodratty games and giggling at my dismay and disappointment with the illegal treatment. I terminated the call with her at this point. Called back later, spoke to XXXX who then transferred me to XXXX where all he did was say " I 'm sorry you were told that, or that, or that this happened to you '', but he refused to correct the matter and gave me the very same fax and dept. to contact about disputes and customer care that I had previously been dealing with. I informed him that Paypal behaves like a bunch of monkeys in a circus, aping one another while upsetting and treating customers with such illegal and dishonest behavior. I finally had to hand up on him also. He, nor anyone at Paypal would rectify the situation. They hire anyone without any problem resolution skills and then one is referred back to the very same dept. that presented the confusion and illegal conduct in the first place! I even reminded XXXX of the settlement and lawsuit last year by the CFPB and he did n't seem to care. Paypal need be cleaned out and intelligent, mindful and law abiding reps and supervisors need replace the dumbed down and unlawful scraps they currently employ. They need to reinstate my account and refund my disputed amount ASAP or else. Thanks.
I have a ongoing dispute that was file in XX/XX/2017 with XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. This account was under dispute for several inaccuracies that were never addressed or responded to. I request an another investigation.
I closed on the sale of my home on XX/XX/XXXX. Subsequently I called to give Roundpoint my new address so my escrow refund would be mailed to my new address. On XX/XX/XXXX I received my Customer Account Activity Statement addressed to my old address and called. It was dated XX/XX/XXXX and showed my escrow account was refunded XX/XX/XXXX. But the CSR told us it was mailed XX/XX/XXXX! I was repeatedly told they would not stop payment and reissue until 10 days after the check was issued. On XX/XX/XXXX I spoke with XXXX who said the check was issued XX/XX/XXXX! She promised to stop payment and have it reissued through the Cashiers Dept and would call us by XX/XX/XXXX. On XX/XX/XXXX I had to call her as I had heard nothing. I waited on the phone for close to 45 minutes for her to pick up my call. She agreed to stop payment, let her Cashiers Dept know I wanted the check sent overnight, and call me on XX/XX/XXXX. She did n't call. I called her today, XX/XX/XXXX, and waited 1.25 hours for her to take my call. She then informed me a check was MAILED XX/XX/XXXX because she did n't get with the Cashiers Dept quickly enough to have it sent overnight. So, now I 'm to wait another 10 business days to see if my check is received. It 's my understanding that escrow refunds are to be received within 30 days of the escrow account being closed. That did not happen. I also have a witness that heard both sides of the conversations because I had all calls on speaker phone.
XXXX XXXX XXXX has never contacted me in regards to this alleged debt, I have submitted mailings and accessed their website to try to obtain more information and I've never received anything in writing stating I have a right to dispute the debt, or that they claim they are collecting on the debt. I have no idea where this debt is coming from, I was only made aware when I contacted the credit bureau and say it was listed only listed on my XXXX report.
My wife and I have a joint Chase XXXX XXXX card through Chase Card Services. We pay our bill in full every month and maintain outstanding credit. 

Over a period of three ( 4 ) days -- XX/XX/XXXX -- 8 unauthorized charges were made on our card at XXXX. When we received our XX/XX/XXXXXXXX statement, we immediately notified Chase of the issue and were told the amount total due of {$810.00} would be placed into dispute and we would not be responsible for the charges, pending their investigation. The account was shut down to future charges and we received a new account number and credit cards. 

In a letter dated XX/XX/XXXX from Chase, we were informed that the investigation had led Chase to conclude that the charges were indeed ours and were being placed back on the card as valid. Immediately, we contacted the Chase Fraud department by phone and were assisted by XXXX XXXX. She advised us to assemble all pertinent information, including any " hard data '' that was in our possession that would clearly show the charges to be fraudulent. We did that and at the direction of XXXX XXXX forwarded all of this via email to a XXXX XXXX XXXX, a supervisor/manager in the fraud division and a long time employee of Chase ( verified via XXXX profile ). 

Ms.Crite indicated the {$810.00} would be placed BACK into dispute and again, we would not be responsible for the charges until further review. 

We heard no response from XXXX XXXX or XXXX XXXX directly after this phone call. On XX/XX/XXXX we received another letter from Chase stating " We confirmed that the disputed transactions were valid ''. This letter was signed by a " XXXX '' and direct phone number was provided. Despite leaving messages, our calls to XXXX were not returned. 

Further, when we received our credit card statement dated XX/XX/XXXX, there were interest charges due to the lack of payment of the amount in dispute. 

Phone messages have been left for XXXX XXXX at her direct number. No response has been received as of XX/XX/XXXX. As stated earlier, messages to " XXXX '' have been ignored. Follow emails sent to XXXX XXXX have not been answered or responded to in any way. 

It appears that Chase is simply ignoring this matter in the hopes that we will pay the {$810.00} and go away. We will not. We are prepared to hire a private attorney to investigate this matter to its fullest extent. 

Any assistance that the CFPB can provide would be greatly appreciated.
I acquired some assets of a company, but not the entire company. Some debt collectors have attempted to collect debt belonging to that company, but have backed off as soon as they 've heard that I did not acquire the company. That has not been the case with Access Receivables. Yesterday I received 2 calls after explaining the issue to a XXXX XXXX at that company. Today he has called 12 times so far and it 's not quite XXXX. He has yelled at me multiple times and will not stop calling, even after I told him he was harassing me.
Ordered a product from a company with my American Express card. The account was closed about a month or 2 later. About 6 months later the product stopped working and the company issued me a refund to the original card. Called American Express and they said they had the credit. They were holding it. And when I had asked they said they would issue a check. It has been almost 4 weeks and still no check. I called them, they said they mailed it. Said they would send another one, but I asked them to send it via a method that was trackable and they would not. They are holding my money hostage and will not release the funds.
XXXX 's report shows that my car has been stolen. XX/XX/18, I discovered this when I tried to sell my car and the buyer declined to make me an offer because of this information. XX/XX/18 - XX/XX/18, I tried to call XXXX, but the phone number on their website doesn't seem to work because it is always busy. XX/XX/18, I was able to connect with XXXX and got a case #. They refuse to correct this error unless I provide them documentation. My car has never been stolen. I have the car, I own the car and I have a clean title in my possession ( I sent a copy of my title to XXXX  XX/XX/18 ). XX/XX/18, The Texas XXXX has no record of my car being stolen and said for me to tell XXXX to call them. XXXX will not call them because " it takes too long for Texas DMV to answer '' - about 15 minutes. XXXX will not respond to my emails through their online system or return any of my calls - even after they promised to call me back. 

My request is very simple : I want XXXX to fix their erroneous data showing that my car was stolen asap.
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX / XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
I have XXXX late marks on my credit report for XX/XX/XXXX and XX/XX/XXXX I reviewed my payment history with Santander and noticed that I made payments in both XX/XX/XXXX and XX/XX/XXXX. I called to get this corrected and they stated, " We do not do that. '' In addition, my account balance has only decreased by under {$100.00} since I got the loan back in XX/XX/XXXX. Santander could not give any detailed information as to why.