WillisBack/dataset-financial-user-claim huggingface dataset:
In 2010, my student loans were being transferred to another lender. 
During the transition time, apparently the previous lender reported me late because I was making payments to the new lender and not Ed Financial. 

I have tried to correct this several times on my credit to no success. They keep reporting me as a " paid collection '' and a derogatory status on all XXXX credit bureaus. This information is incorrect. The loan was transferred to XXXX XXXX and has and continues to be paid on time. This is ruining my perfect credit score and is harming me. 
I ask that Ed Financial report this as Paid in Good Standing and closed.
I have an account with Synchrony Financial that allows for normal purchases and promotional purchases. I spoke with XXXX XXXX, a customer service representative, and XXXX XXXX, a manager. When speaking with them I was initially refused the a copy an updated credit agreement, and then told that it is the bank 's policy to apply payments to deferred promotional balances prior to non-promotional balances, unless a customer calls to direct a payment. Moreover, I was instructed that it could take up to 30 days for them to provide an updated credit agreement. 

By allowing non-promotional purchases to compound at a high interest rate, I feel the company is taking advantage of consumers everywhere. No where in the monthly statement does it say I should call to direct the payment, but they do routinely send reminders to use the card at other merchants. The non-promotional balance carried an APR of 29.99 % while the promotional balances were deferred if paid in full within the promotional balance. When I asked if the previous payment can applied to the non-promotional, I was informed only future payments can be directed. I am also bothered that a manager told me " what 's the big deal and the amount of interest is less than the deferred interest so not to worry about it. '' If this happened to me, and they affirmed this is standard policy then imagine the damage this company causes to people who really ca n't afford it or does n't understand the effect this practice has on their financial future. The damage would be a product of the number of customers times the number of months it would take pay off all.
On XX/XX/XXXX XXXX XXXX XXXX issued an ACT 91 order for the amount of {$4900.00}. I called on XX/XX/XXXX to discuss payment options. No one returned my call. I called on XX/XX/XXXX and was informed that my case was transferred to a new Point of Contact Person and given his voicemail. I left a detailed message. He finally called back on XX/XX/XXXX ( 9 days! ) Unfortunately I was at work and was unable to answer. I called back later that evening and got his voicemail again.. No call back. My breach notice expires today. Guess who I finally got to speak with? According to him I need to send XXXX by the end of business today in order to put a forebearance into effect. Had someone offered this weeks ago when the first call was placed it would n't have been an issue, I could have secured the funds with time to spare. Now I 'm going to lose my home because they do n't return phone calls
I spoke with XXXX 's in XX/XX/XXXX about me losing my job and needed to have a cheaper company refinance my loan. But do to XXXX 's not keeping car titles locally keeps other companies from being able to buy out my loan at a cheaper rate. I did not realize XXXX charges almost 50 % more than other title companies. Although XXXX agreed for me only to finish paying {$1200.00}, the whole point was that i am unemployed and have no income. i have struggled and able to pay {$800.00} of that but i am unable to come up with the last {$400.00}. i am a single mother of XXXX kids and this being our only form of transportation, i should not have to lose my car over {$400.00} when in reality i have paid back what i originally borrowed to begin with plus interest. my original loan was {$1500.00} and ive paid {$1800.00}. so they have made money off me. I lose our car i have no transportation for me and my children
XXXX XXXX XXXX XXXX XXXX issue correspondence ( verbal/written ) to collect a credit card debt from Capital One ( Acct **************** ) when I informed them I do not have a Capital One credit card issued to me, nor activated by me. The Credit Report Agencies have been notified that I failed to pay on a debt " which is in default. '' This action is in violation of PL XXXX.
I purchased cell phone charging cables from an on-line vendor. Within 3 weeks they all stopped working. I contact the vendor, via email, and they promptly told me to return them, they would test them and either send them back or replace them. So i did. After the cables were sent back I sent XXXX separate emails telling the vendor that the cable were on they 're way and to let me know if there was any issues. I never got another reply from this vendor. 
I requested Discover Card to refund my money and have been denied several times. What ever happened to the " Customer is always right ''? Discover has refused to entertain the fact the vendor is lying and had never intended to replace the cables.
XXXX XXXX XXXX XXXX XXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature.

XXXX XXXX XXXX XXXX keeps sending documents not requested and a lot of documents not requested in chines writing.

XXXX XXXX XXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.
Guild mortgage has attempted 3 times to make unauthorized debits against my checking account. I have not set up auto pay with this institution nor did I authorize a one time electronic debit authorization. The first unauthorized attempt was made on Monday XX/XX/XXXX. The second was on Thursday XX/XX/XXXX. On the XX/XX/XXXX I contacted my financial institution to verify that Guild mortgage was the correct company attempting to access my account. I also contacted Guild as was told no such attempt was made. Guilds customer service line further informed me to e-mail the customer service department to open a order to rectify the matter. I sent the e-mail on XX/XX/XXXX to their customer service department. I received the following reply the same day " Thank you for your recent inquiry to Guild Mortgage Customer Service Department. We appreciate the opportunity to assist you. We will review your inquiry and provide a response within three ( 3 ) business days.

Guild Mortgage Company Customer Service Department **** PLEASE DO NOT RESPOND TO THIS AUTOMATED RESPONSE**** Customer Service N/A Customer Service O : XXXX Company NMLS # XXXX Equal Housing Lender Guild Mortgage Company '' Today XX/XX/XXXX a third attempt was made to debit my checking account. I contacted guild at XXXX and was told that my e-mail was ignored because i did not send a copy of my checking account showing the charges. I feel that sending my account information to a unsecured nonspecific general e-mail account is inviting further unauthorized transaction or outright identity theft, and will not be doing so regardless of their request. So I asked to speak to a supervisor and informed them that I would lodge a formal compliant with the FTC, FDIC & CFPB.
On XX/XX/2018, my credit limit was decreased and the company didn't inform me prior to making this change. I had a good standing with my account and did not have any late payments. Last year I was laid off from my employer and still made on-time monthly payments for the 8 months I was out of work to my account with Synchrony. In the past, I would pay off my balances in full but while unemployed, I started making the minimum payment. I have never carried a balance greater than 35 % of my XXXX credit limit. I did have 2 late payments on other accounts on my bureaus that have nothing to do with Synchrony. Therefore, I believe the incompetence of the underwriters of this company to lower my credit limit was unnecessary. Originally I had a credit limit of { {$800.00} } and it was decreased to { {$220.00} } which now because of my XXXX balance has affected my credit score by increasing my credit utilization and decreasing my available credit limits. There is no reason for this decrease. I emailed and received a response that makes no sense whatsoever regarding my situation.
I would like to validate the debt for XXXX. I do not believe the debt is mine and XXXX for {$72.00} is showing on my transunion credit report twice for the same amount. The XXXX is for {$210.00}. Not sure what is going on, but that is not correct. XXXX has deleted all three tradelines for incorrect reporting and i would like these deleted as well.
I paid my credit bill on time, actually early. Citibank up 'd the minumum charge for {$25.00} to {$35.00} without notification. I called XX/XX/XXXX and the fee was reversed just to be re added XX/XX/XXXX. I paid {$35.00} XX/XX/XXXX prior to the due date in which then called me daily for weeks they had just increased the min pay to {$40.00} and decreased my credit limit so now the account is over the limit. They also added without my concent some protection service that I did not want and yep, added that to the over limit
On XX/XX/2017 I was charged for a transaction for {$1500.00} in XXXX XXXX by Chase. I was indeed at the establishment but I paid with cash and did NOT pay with my card, the establishment asked for my credit card which is not uncommon. I was only at the location for 45 minutes, proof of this was forwarded ( credit card receipt for restaurant where I had dinner prior to as well as XXXX receipt ). 

On XX/XX/2017 I checked my statement, this was when I noticed the fraudulent transaction. I called the credit card company and was told not to worry. 

End of XX/XX/2017 I got a call from Chase stating the dispute was not accepted. 

On XX/XX/2017 I forwarded letter to Chase Cardmember Service providing explanation as well as back up for the 45 minutes I was at the establishment. 

On XX/XX/2017 Chase forwards letter stating the dispute is not valid. 

On XX/XX/2017 I forward letter to Chase Cardmember Service asking for itemized list of items purchased as well as signed receipt from the Merchant. 

On XX/XX/2017 Chase issues a letter stating the charge is valid and I am asked to contact the Merchant directly to further discuss. 

Since then I have not received any further letters but have gotten several harassing phone calls. I continue to ask Chase for itemized list of items purchased as well as signed receipt but I am not getting anywhere. 

I have never NOT paid any charges on my credit cards and I always pay off my balance in full. But I obviously do not intend to pay for a transaction I never made.
My name is XXXX XXXX. I have sent several Goodwill adjustment letters, disputed all three bureaus and contacted XXXX XXXX for validation and proof! They have overlooked every attempt I have attempted! They are violating my rights and arent willing to help me!. These dates that theyre saying I was 120 late were XX/XX/XXXX thru XX/XX/XXXX and late 90-119 days in XX/XX/XXXX, then late again supposedly XX/XX/XXXX @ XX/XX/XXXX 120 days late. I have never been late and they will not budge. All of these are closed accounts my loans were all brought and Im in good standing! These dates are all closed accounts that I wasnt late on.
I closed my IRA cd on XX/XX/17 with M & T Bank and opened a rollover account with XXXX XXXX XXXX XXXX. I was charged a fee of {$160.00} and it was taken out of the check I deposited in XXXX XXXX. The officer at the new bank said that because I was over XXXX XXXX I am able to close the account without paying a fee. I sent a letter to the CEO and have not received any reply. PLEASE HELP.!!!! {$160.00} is a lot of money when your only income is from SS and the IRA.
I applied for a new auto insurance policy through XXXX XXXX XXXX for a new car I purchased on XXXX XXXX, 2017. XXXX XXXX XXXX has turned me down for a new policy because there are six entries that are erroneously linked to me on my Auto Claim History Results report from LexisNexis Consumer Center. This information has not allowed me to obtain auto insurance for a vehicle I have just purchased. I have sent LexisNexis many documents that proves that I am me and that I do not own more than one car. Six cars are on this report that are not mine! 

Could you please help?
I have recently contacted ACS Education Services to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, ACS Education Services will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.
Chase continues to ignore my requests for information regarding the history of my mortgage and how their actions have resulted in huge financial losses for me.
This XXXX account for {$60.00} showing XXXX XXXX XXXX on my credit file this account was previous deleted from another credit bureau and this account also do not belong to me. I have call the original creditor XXXX XXXX XXXX who does n't show this account. I do not know why XXXX is still trying to report false and inaccurate information on my credit file. I need this information deleted and permanently.
Bull City Financial Services a debt collector has posted the same medical collection for {$170.00} on XX/XX/2018 on my credit report
I bought a new car from XXXX XXXX of XXXX in XX/XX/XXXX and they got me financed through Consumer Portfolio Services ( CPS ). Later I found that they hard pulled my credit 10 times to get this deal to work. From the start XXXX was nothing but nasty to me. I decided for my first payment to send in my payment with a check instead of incurring a {$12.00} fee for paying online or over the phone. I sent it in plenty of time for the mail to reach them by my due date. The day after my due date I got several calls a day from them. When I did talk to a representative, things got so bad that I asked to speak to someone else. This person explained to me that a 3rd party processor receives the checks and until they have completed processing payments which could be XXXX to XXXX business days after they received my check that it would be considered late. Because of this they changed my due date from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I verbally approved this over the phone and they sent me a letter that verifies the change. As time went on I 've received several letters from CPS stating that my payment due date has changed. I have XXXX letters in my records XXXX from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I did not ask for nor approve these changes. What they have done was extending my maturity date out a month each time which means longer loan term and more interest collected for them. The only time I have ever asked for an extension was XXXX/XXXX/XXXX which I called and asked for, they sent me paperwork, I signed and sent back for their approval. The last piece to this is the interest they are collecting. I noticed that I have been paying on this car for a little less than 2 years and my loan balance is not moving, and most of my payments they are applying to interest. I called the week of XXXX/XXXX/XXXX to speak to a representative on my interest and how they calculate how much is applied to each of my payments. She had told me that my loan is a simple interest loan with 16 % interest annually based on my original loan amount. She told me that my yearly interest amount is {$3500.00} which multiplied by 6 years equals {$21000.00} almost the same amount as my loan. Although on my sales contract it states that my interest for the life of the loan is {$12000.00}. That 's a big difference. There has been a lot of interest applied to my payments and hardly none to the principal. This company is a scam. They are harassing with their phone calls, nasty to me when I do talk to them, changing my loan terms by giving me a " courtesy due date change '' without my authorization and taking more for interest than what my finance contract states. These people are predatory lenders and they need to be stopped and the car dealers that are using them are not helping people with poor credit rebuild!!
Here is The following letter which i sent to Equifax via certified mail, directly explains my issue : EQUIFAX Information Services XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : On XX/XX/XXXX I sent a certified letter disputing the following five ( 5 ) XXXX XXXX accounts which are inaccurately reporting that I was 90 days late in XX/XX/XXXX, further XXXX XXXX has already exceeded the 30 days required to respond. 
XXXX XXXX XXXX acct # s XXXX This is NOT TRUE. These accounts have never been late for those months or any other and I am asking for XXXX to correct this ASAP. XXXX XXXX XXXX. regularly makes these errors and have been successfully sued by States and govt agencies for same. 

*Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a PROPER investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I have been denied credit & am paying hundreds extra in auto insurance due to this reckless reporting. 
I have filed complaints with the CFPB & O.C.C My next step is to : Write letters to 42 Senators & letters to 61 House of representatives However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX and XXXX have already done. 
PLEASE CORRECT THIS as it is having a serious negative impact on my life and please forward to me an updated copy of my credit report. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
I have made all payments within the alloted time period. The company made an error processing a payment and has reported me late on my credit. When i have reached out to fix this issue, CS has been very rude and unhelpful
I applied for a hardship withdrawal from my XXXX through vanguard.I have been waiting two weeks for this process to be completed.I spoke with anXX/XX/XXXX to activate this transaction.I checked my account balance on vanguard website and thought the fund have been deposited.They were not because the initial agent who processed the request, did n't not put my account number in correctly.I spoke vanguard about this issue on XX/XX/XXXX.The agents stated that they can not add the last digit that was missing on my account.They stated that it would be 3-5 business days to reject the request.They stated that it would be an additional 7-10 business day to get my check.my closing date was scheduled for XX/XX/XXXX and will be delayed because of this issue.Total I have 3 weeks total to complete this process.
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - Account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
I have settled this debt with Chase and they are still reporting it. I have requested them to remove it from my credit reporting and they are not working with me.
I was charged late charges that shouldn't have been charged. I have been using my bank XXXX to make monthly payments since XX/XX/XXXX and for the past 11 months, the payments got processed with no issues but in the XX/XX/XXXX payment was returned by TD Auto Finance back to XXXX for reason of " unable to apply payment '' so I was charged a late charge for XX/XX/XXXX. However TD had no issue applying the XX/XX/XXXX payment from XXXX  with exactly the same information printed on their check as the XX/XX/XXXX payment so the fault of not being able to applying the payment to my account should be with TD Auto Finance. I already made payments to make up for the returned payment but TD will now want to charge me late charges. After talking with them, they will only waive the late charge of one month as they charged me late charges for XX/XX/XXXX and XX/XX/XXXX. So I still ow them {$54.00} of late charges. I feel they just want to money from consumers on late charges and in this case I made the payment and the returning of the payment shouldn't be the reason that I was charged a late charge, espeically I have been paying on time all other months since XX/XX/XXXX.