WillisBack/dataset-financial-user-claim huggingface dataset:
Tried contacting sarma collections on account XX/XX/2018 no account with that number matching my name or social security number. I have a derogatory mark on my XXXX   account and the information is not all the way displayed.
Hello, I called the  XXXX  representative about the interest charged during CY   XXXX  . I pay more than the minimum balance each month and I am being told that a 6 month promotional offer expired and I was charged interest for not paying the card in full in addition to the revolving balance I carry each month. The representative says the card works this way as any no interest term offer is automatically offered to members and interest is charged if not paid in full and is indicated on statements. I paid a total of {$670.00} to date in  2017  and was charged {$420.00} in interest. Please investigate.     Thanks,  XXXX   XXXX   (  personal cell )  XXXX  ( office cell )
Reference ID : XXXX I received an email stating my PayPal funds are now eligible for withdrawal after being held for 180 days. 

I am respectfully requesting that the hold on my funds/account be lifted. I am not requesting that my account be re-opened or allowed to continue to use the PayPal service. I have previously requested my funds be released which was denied.However, I feel that holding my funds for a non-fraudulent violation of PayPals Acceptable Use Policy is Excessive, and perhaps a punitive abuse of power.
On XXXX XXXX, 2016 I submitted my last payment to One Main Financial in the city of XXXX in person to XXXX and my account was never credited nor did I receive my title. I was never notified of a foul play or robbery by XXXX. I visited my main location located at One Main Financial ( XXXX ) XXXX XXXX XXXX XXXX, CA XXXX and the manager stated that she would personally mail my title to me after she sent the requested documents to her corporation by fax. I never heard from her after numerous follow ups in XXXX and XXXX. I resent the documents in XXXX. I was told that the check I gave to XXXX  representative XXXX was cashed by someone else. I never received a notice that there was foul play or a robbery by the management or carrier. Consumers have to know so that they can protect their assets. XXXX has yet to notify me. The only documents I received was past due letters and collection notices.
The effort was placed on me as the consumer to prove that I presented a check to their company A full investigation should be done immediately for the consumers.
Complaint is directed to the Credit Agency Equifax. <P/>I received a notice of collection from the collection agency XXXX for State of XXXX taxes in order to pay for unpaid taxes to the State of  XXXX for the tax period of XX/XX/XXXX. I was at the time, and still currently, serving in the Military in XXXX which would make me exempt for state taxes as I was a resident from XXXX. The date that is reported as a public record on my credit report is for XX/XX/XXXX. I provided the Comptroller of XXXX verification of my Military status and received a letter from the State of XXXX, Comptroller of XXXX a " RELEASE OF XXXX TAX LIEN '' with a " Notice of Lien of Judgement for Unpaid Tax dated XX/XX/XXXX in the amount of {$1700.00} as " SATISFIED. '' '' I provided this letter 3 separate occasions to the credit agency Equifax in order to properly dispute and remove this public record from my credit report and the results of this have been, according to Equifax, " verified that this public record item is reporting correctly. '' Additionally, I did not receive the procedure used to determine the accuracy and completeness of the information that would have validated and verified the accurateness of this public record item being reported.
I received several calls from  XXXX  at the end of  XXXX . I answered several times and there was silence or a hang-up. In late  XXXX  they called again. I answered and the party identified themselves as being from  LJ Ross  a debt collection firm. They asked me to identify myself which I did and they proceeded to tell me that there was a bill owing  XXXX  (  XXXX   )  from a house I had sold in PA for approxiametely  XXXX . I told them I was never notified about any owing amount and said I would call  XXXX  to verify. At no time did I receive any form of written communication either from  XXXX  or  LJ Ross . To my knowledge all bills were paid at closing of house sale. I called  XXXX  and indeed verified the debt and that  LJ Ross was their collection agency. I then called LJ Ross  and immediately paid the bill but they had reported it to credit bureau. I never received anything in writing to notify me of their legitimacy or the debts legitimacy or dispute it. They had my current address on file and  XXXX  had my email address on file. Totally inappropriate action on their part and quite disturbing. Not to mention inappropriate reporting to credit bureau.
I have a loan with CAPITAL ONE. 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 CAPITAL ONE 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 XXXX, XXXX-XX/XX/2016.
I have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request rough ly 4-5 months ago and have not heard back. I have called multiple times only to be bounced around departments with no one able to give me any information or answers. I  also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.
These were suppose to be no credit check and was not suppose to effect my creditand the pre qualification was not suppose to effect my credit score either. Company ended up just hang up on my 3 times when I called. 



XXXX  XXXX, DE XXXX ( XXXX ) XXXX Institution Information Easyfinance XXXX, TX XXXX ( XXXX ) XXXX
Dear CFPB. 
My problem is with Bank America credit card, Well every month I pay my bill in time, bud always pay more, I pay doble the minimum due, and the account still the same,. And the minimum payment due every month is the same do n't low. How is possible, only low a little big, sometime I thinking the I never going to pay off that credit card. Something important the interest, They increase more I not expected that. What I thing is, they still my money. I work hard only for pay my bills. I thinking is a racist because they call me more than one time as me if Iam XXXX. Yes Iam from XXXX. and my husband Military XXXX XXXX because the war. And my son is military too XXXX. My husbad 30 year in the XXXX. I am a XXXX. Than you for you health. XXXX XXXX
My husband passed away suddenly so I got behind on bills I got a loan from pnc bank to pay debt off more bills started piling in so I had to get help through a debt relief company I have spoke with a lady at PNC bank and told my problem and explained I was getting help my debt company has sent the bank 3 faxes stated they are in charge now and PNC takes the payment from them but keeps charging late fees on top on the amount they won't answer or give information to the debt company I'm using and I have gave the permission for them to
I have sent this debt collector several letters using the available templates letting them know I am not liable for the debt they are attempting to collect and to cease all communication with me. They still continue to call me regularly and do not leave voicemails.
On  X/X/17   , I emailed  the Executive office from Equifax about inaccurate information on my credit report. The Executive office emailed  me on  X/X/17    to try to r esolve the issue. I explain to the Executive office that I have an fraud alert on my credit report and I have submitted an police report. I have disputed many items on my credit report that was not authorize by me. I also disputed the bankruptcy on my credit report. I have spoke with the Federal court a bout them verifying bankruptcy on my credit report ; I was told by the court that they never verified any bankruptcy for me. I do n't know what kind of system these credit bureau use to verify information, but it is not accurate. On yesterday I received my update credit report, which the bankruptcy was deleted from my file. I loo k on   XXXX   XXXX   thi s morning and my score has dropped  XXXX  points, because Equifax has decided to add the bankruptcies back to my credit report. I have already spoken with the  Federal Court about verifying and the court stated that they never verified anything with the Equifax about bankruptcy. I need Equifax to resolve this issue, because if not I will hired an attorney to suit Equifax for not verifying acc urate information with the creditors.
I own a house for 12 years but when the lender keep selling my loan around in some how they record my house is foreclosure for 7 years and transfer my house to some bank name. When I do a refinance my house 4 years ago and XXXX XXXX XXXX do my refinance they do it with some loop hole to go through without a right deed of trustee. I been calling the bank for the last 7 years to fix the problem but no one want to help and keep telling me the same answer that the house is mine. If you go to the tax city the house is not under my name. Escrow still take my money every month to pay for the property tax. Now Im selling my house title company cant closed the deal because the house is not under my name. My title company keep called by them and talk to their legal team put they keep send us around and go back to square one no one can help. Please investigate this matter. My family want to move but keep stuck in this house for so many years.
I did a promotion for Citibank that stated i would get a {$400.00} bonus if i deposited {$15000.00} and left it there for 60 days. I then confirmed the promotion was on my account and i met all the requirements during a chat on XX/XX/2018. I was told that the bonus would arrive by XX/XX/2018. This did not happen. I then chatted with CitiBank on XX/XX/2018 and they also confirmed that the promotion was on my account and i met the requirements. They submitted for in investigation on why i didn't receive it. I then chatted with someone on XX/XX/2018 because i have not heard back from them. They informed me they are still looking in to it. I think Citibank is trying to get out of paying the bonus they promised. I would like for CFPB to look into this further.
I began the process of refinancing my auto loan with my bank, PNC, on XX/XX/XXXX. I decided to go into the bank to conduct the transaction rather than do it online because I was unsure of how to correctly refinance my auto loan. I went to my local PNC Bank ( located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, inside of a XXXX XXXX ). My banker, XXXX XXXX, seemed to be inexperienced which led to me making 4 trips to the bank altogether to complete this refinance as he constantly made mistakes which required me coming back into the bank to fix. I received a letter from PNC on XX/XX/XXXX which stated that they had sent XXXX ( who my auto loan was initially with ) a check to pay off the remaining balance of my auto loan with them. On XX/XX/XXXX, I received a letter from PNC requesting the original title on my vehicle and the lien release document. I did not have the lien release, so I called XXXX requesting it XX/XX/XXXX. At this time, XXXX informed me that PNC paid off my auto loan {$970.00} short, and that balance was incurring interest every day. They also sent the money to the wrong department at XXXX, so it was processed as a regular payment and not a payoff. I contacted PNC about the matter shortly thereafter and the bank ( some bankers involved include XXXX XXXX, XXXX XXXX and XXXX XXXX ) told me that they did not verify the amount that my loan was supposed to be refinanced for so that is why this issue occurred. They told me that the only option was for me to refinance the auto loan again, using the correct amount of money. However, I have since lost my job and not able to get another loan right now. Today, XX/XX/XXXX, was my last attempt to contact PNC and explain the issue. They refused to help me at all, and said the only thing I can do is refinance the loan with them again.
Santander Consumer USA, XXXX Texas gave me a loan to purchase a car.. With this I am grateful. Because it was a very high interest loan with a daily simple interest rate which is calulated daily. After speaking to my account, he advised me I would save allot of money if I would to pay off my loan early buy paying it weekly. XXXX advise me to send my payments to a XXXX XXXX in XXXX Texas, which is the USPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas ( this post office is open XXXX hours per day XXXX Now I live in the XXXX which takes one day or the same day to get mail to Santander Consumer USA XXXX Texas. I have called the company requesting that my payments are posted the day it is received in their XXXX this company has refused. I have been told on a recorded line that they use a 3rd Party to pick up the mail, and the 3rd Party does not Pick up the mail everyday. As a customer this means to me, the XXXX XXXX we must use has staying power for this company to post my payment as they see fit. This information has also been verified with the USPS XXXX must signed for all the mail pickup and they do not pick up everday. Santander/XXXX add addititional daily interest even after they know they have and willingly deceiving me. When I called the complaint department ( the office of the president ) I 'm told nothing by this department, what I want is the Santander Consumer USAXXXX to go back and give credit for the times they delayed my payments to collect additional interested. This company also said they do not work on Saturdays and no payments are posted. One of my payments were posted on a Saturday which had been at the post office prior to Saturday, and they would not change it. 
On XX/XX/XXXX SantanderXXXX received my payment. I was given credit for the XXXX because the company picked it up on the XXXX of XX/XX/XXXX this is just a few examples. I would like my bill corrected and the daily interest corrected. Now because they have proven to me that they do work on Saturday, all my electronic payments sent on Friday should be posted for Saturday. It is from the time they received my payments, not when This company picks up my payments and post them. I do have proof from the Post office and even my bank showing when my payments are sent.
I have asked for the credit bureaus to reinvestigate the reporting of this account. I sent letters to them on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 but the account was not investigated properly. 

XXXX is not providing complete information and the monthly payment and limit. There are also multiple XXXX late payment in the payment history which are wrong. 

Experian failed to include the monthly payment and limit. The payment history shows multiple CO marks which are inaccurate. Why do they report this as collection/charge off when XXXX reports this as Late XXXX? Clearly, this shows inaccuracies. 

XXXX also missed reporting the monthly payment, credit limit and payment history.
Capital Bank has reported me on 2 closed accounts opened 8 years ago that do NOT belong to me ; I would have been XXXX years old when these accounts were opened. The closed accounts have negatively impacted my credit score and my ability to maintain a good credit score. I have repeatedly called Capital one to remove my name and information from these closed accounts but my attempts failed. I ask that Capital one remove my association with these cards immediately. The accounts are closed accounts on my credit report, please have them REMOVE from my credit report as they do NOT belong to me and opened by someone else when I was XXXX years old.
Amex XXXX prepaid cards charge the card holder {$3.00} per month re regardless of balance after 6 months of issuance. 

This is seems to violate usery and common sense. The longer Amex has use of the funds the more they make on the unclaimed balances on these cards. Charging {$36.00} in fees annually on a {$50.00} gift card is obscene and lacks any ethical justifications.
This complaint is being filed against Experian in regards the erroneous information/accounts that are repeatedly being reported on my credit report ; thus adversely affect my credit. In addition, I have disputed the following accounts XXXX XXXX XXXX for {$650.00}, XXXX XXXX , & XXXX XXXX XXXX XXXX, with Experian on four different attempts to correct their inaccuracies. However, Experian have refused to delete the above mentioned accounts that DO NOT BELONG TO ME! In addition, I have asked them to provide me proof of the reported accounts that allegedly being reported as verified by the information furnisher to them. Ive also contacted the creditors who have also refused to provide me with verifiable proof of the original contract alleging the reported debt. According to Section 611 ( 5 ) ( A ) they are REQUIRED by the Fair Credit Reporting Act to delete any account that can not be verified. Thus, Federal Case Law also states, Consider Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibilities must consist of something more than merely parroting information received from other sources. If Experian claiming the account verified, how was it verified and by what method did they verify? Why cant they provide me with the original signed contract as Ive asked repeatedly, for they have none! Ive asked the creditors and credit bureau for the Original Contract both have refused on four occasions. This is my final attempt to resolved this issue. I have documented my efforts to resolved this manner very well to date. Please help me resolve this issue, as I demand that the above mentioned accounts be deleted immediately! Best Regards,
In XX/XX/XXXX XXXX XXXX poorly installed a security system in the house I was renting without the owner permission. I never signed a contract so they copied and pasted a signiture from another document to a contract. I refused to pay for a non-working no contract system and removed all the hardware and returned all items to them on XX/XX/XXXX which they signed for on a Post Office Return Reciept. They sold the contract to XXXX XXXX XXXX in the beginning of XX/XX/XXXX and never told them there never was a contract. XXXX XXXX XXXX turned over collect ( even after I explained the problems with Prosper Security ) to a collection agency XXXX XXXX. I have provided all this information to XXXX XXXX and they contine to call and herass me. 
I have included a copy of the signed PO reciept and photos of all returned equipment.
Beginning in  XXXX  of  2016 , Gateway One Lending began to report my account as being delinquent, despite receiving my payments on time. After several attempts to rectify this situation, to no avail, I have no other choice but to seek outside assistance, including possible legal action. My attorney has made several calls  to Gateway One,   only to be given numerous explanations to why this miscalculation continues to damage my  Credit  worthiness.
I feel that Citibank did not help me as a consumer. I did a purchase that i I never received but a contract andthey refuse to stand behind me. I read on one of my credit card disclosureif your not happy with a purchase you can return it. in so many words. 
I had purchase from XXXX and I feel I was scammed and Citibank didnot help me get my money back. I never used this program or itemthey sold me I had sent a letter to cancel within the 3 days but theysaid it was late regardless I tried to cancel over and over again. 
I will pay a small fee for canceling but I do n't feel they should keepmy XXXX dollars. I never used them and never will. while on theship other people that was in the presentation agree it was a rip offand me like a dummy was rushed thru it and fell for what the salesguys said instead of reading the whole contract because we weregetting on a cruise ship is how they sold XXXX so we did cancel itafter reading it but Citibank refuse XXXX allow us to cancel it or help uscancel they just believed this lieing company called XXXX travels checkthem out you will find a lot of people did they same the thing I did waspay it in full with my citicard and they are not no help so I refuse to payanymore for something I did not receive full service from XXXX I do n't havemoney to throw away. I tried to cancel a number of times with thecompany and Citibank and no one helps me as a consumer. 
it is fraud and a scam help me out please get this resolve. once we gotoff the ship we sent a cancellation letter.. we did all we could toresolve it
We used payday loan service 7 years ago and paid off our remaining debt. Halsted financial services has called us 7 yr later saying that we owe them money. We do n't owe them money or have we used payday loans for 7 yr
A modification package was submitted to the servicer on XXXX XXXX. Confirmation of the document was received via email, please see attachment. On XXXX XXXX the file was opened, please see attachment. A letter was generated XXXX stating that the financial package was received, please see attachment. On XXXX XXXX an email was sent to the servicer requesting an update on the file as well as an update on the sale date. Later on in the day a message was received via email stating the file was denied the previous day from a different party within the institution. See attachment. The package was sent in 9 days before the sale date yet the servicer is now refusing to review the file per the letter. The file was already in review per the letter that was sent out acknowledging the documents.Per the servicer portal website, work was still being done in the file as of XXXX, Please see attachment. 
On the XXXX " Servicer '' has confirmed the above mentioned borrower and location is currently " Under Review '' for any/all loan modifications in accordance with but not limited to HAMP Tier One, HAMP Tier Two, or any available " In House '' modifications. HAMP Handbook XXXX Chapter V Protections Against Unnecessary Foreclosure states the following : XXXX Suspension of Referral to Foreclosure-A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section XXXX ) unless and until the servicer has resolved the Escalated Case in accordance with Section XXXX. 
It is very apparent the servicer would rather foreclose on the home then move forward with the review to retain the home. The events described are just a sample of the practices that are taking place at PHH. PHH is more interested in foreclosing and selling homes at auction to make a profit. It appears that PHH 's lack of participation in a meaningful modification review of the file indicates a preference to profit directly from the homeowners hardships. Furthermore, the numerous times the homeowner has spoken to the PHH should extinguish any opportunity to excuse PHH 's behavior. 
At this time we are demanding a postponement of the sale date or the homeowners will assert their legal right and name PHH and XXXX XXXX as defendants in Civil Court.