WillisBack/dataset-financial-user-claim huggingface dataset:
During the course of our Chapter XXXX repayment plan our lender failed to credit our account appropriately for XXXX payments. We have contacted them on several occasions over many years, but they have yet to credit our account properly. In each of our disputes, we provided the lender with the proof showing the payments have n't been properly applied and they still wo n't correct these accounting errors. They are as follows : 1. XXXX - Payment never applied, shows received on XXXX, principal balance is {$170000.00} before payment is received and remains that amount until XXXX. Payment shows in unapplied funds column of the payment history as provided by the lender. 
2. XXXX - Payment never applied because of reversal errors in accounting. The principal amount of our loan after the XXXX payment was {$160000.00}. A payment was made on XXXX. The lender applied the payment twice, then reversed the payment twice, then reapplied a payment, then reversed the payment. This left the balance at the end of XXXX after making a payment still showing {$160000.00}. 
3. XXXX - Payment never applied because of reversal accounting error. The principal balance at the beginning of the month was {$150000.00}. A payment was received on XXXX. It appears the payment posted twice but it only XXXX payment affected the balance. On XXXX, the payment was reversed causing the principal amount to go from {$150000.00} back to {>= $1,000,000}. Our payment for XXXX was received on XXXX and the lender contends that is the reapplication of the funds. However, we have shown proof, the XXXX payment was a new payment and not the reapplication. 
4. XXXX - Payment never applied because of Lender reversed it in XXXX. The payment shows being received on XXXX but not applied to the account until XXXX. This payment is inexplicably reversed on XXXX.
I disputed a delinquency reported by XXXX to all three credit bureaus. 
XXXX corrected the delinquency with all three bureaus. However, TransUnion is now showing the inaccurate delinquency again on their report. TransUnion corrected the information on XX/XX/18 on my report, and I have a TransUnion Dispute Results report that shows the correct account status from their investigation dated XX/XX/18. On XX/XX/18 the status reverted back to the original delinquency. I called XXXX and they stated that no new data has been reported to TransUnion since they corrected the status in XXXX and the account is closed. I called TransUnion and they told me I need to file another dispute and claimed that XXXX reported the account delinquent again. TransUnion is the only bureau that is showing the incorrect info again and refuses to consider they made an error. This has put a hold on my real estate transaction and is costing me {$2500.00} per month in rental income.
I initiated a balance transfer from Chase bank XX/XX/2016. No where did the offer define how much my minimum payment would be. The transfer amount was {$13000.00}. Unfortunately I have been using balance transfers for years and usually minimum payment is very minimal. I was shocked when I received my bill after the balance transfer took place telling me the minimum payment due was {$660.00} First I called the credit card department and was told that was just the way it was. Then I went into my local bank and spoke with a banker and then the bank manager. Both of them looked everywhere, on the bill, the balance transfer offers they send and nowhere could we find how the minimum payment is calculated. The bank manager and banker did call and speak with the credit card department on my behalf as they agreed with me about how could they charge that type of a minimum payment without letting me know. 

Finally after the fact they sent me a brochure which in very tiny print said something about minimum payment is either XXXX percent or XXXX percent of the balance. The bank manager tried to speak with the credit card department to no avail. I remember them speaking about how is the XXXX percent vs XXXX percent of minimum payment decided to no avail. I also called the executive offices and was told they would try to help and their goal would be to adjust the balance transfer fee and would get back to me but never did. I would just like others to be aware. I have excellent credit and thank God I had the means to go elsewhere, however did cost me the transfer fee and a lot of grief.
I was divorced in XX/XX/2014 and my ex-husbands credit is still mixed with mine. I have a XXXX, XXXX, XXXX thru XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX cards. Anything opened before XX/XX/2014 is not mine. Thank you
I purchased a timeshare and cancelled it according to the 5 day grace period. I sent a cancellation through email, fax and mail. However they said I did n't send it through register mail. I tried to work with company, but they would n't accept my cancellation. I did pay for almost 2 years but could n't pay anymore due to loss of wages. This debt was sent to a collection agency. They are not willing to close the case, even when I have sent them paperwork showing that the proper cancellation paperwork was filed.
This company is ONLY calling me AT WORK. They have n't told me who I supposedly owe money to, which is NOONE. I discharged a Chapter XXXX Bankruptcy for medical bills XX/XX/XXXX. All other medical bills, since XXXX XXXX, XXXX fall under the Washington State Crime Victims Compensation Plan, which also specifies that NO DEBT CAN BE COLLECTED FROM THE VICTIM. No collection attempts are allowed by law. I have received NO MAIL, NO attempts other than calling me at my place of business. I have no clue what they think I owe, but I have been more-than-on-top of my bills since I filed BK in XX/XX/XXXX. I do not owe what they think I owe, nor do I even know what they think I owe. This is a clear violation, they have not even attempted to send me a letter or bill for me to dispute and send a copy of the crime victims compensation plan and protection XXXX from the XXXX. If they touch my credit report, I 'm calling a lawyer.
When Costco started offering Citi Visa cards with good rewards, I applied for and received a Citi Costco Visa. I used my card sparingly, but my wife did not even open the envelope containing her card. I always paid my account balance before receiving a statement because of the interest rate. I was surprised to receive a statement with a {$6500.00} charge from a travel agency in XXXX using my wife 's card. I called Citi and notified them the charge was fradulent. They took the charge off my card. I told them to close the account which they did not want to do but did so at my insistence. I told them the reason for the charge was because of lax security on their part because my wife 's card had never been activated. Cloning of the card had to have come from a hack of their data base or from internal fraud by an employee since my wife 's chip card had never been out of her desk and had not been activated. 
As a result of this, my credit score has dropped by XXXX points from XXXX to XXXX ; my wife 's has dropped from XXXX to XXXX. We both today received notification of this today from our credit monitoring service. 
My cancellation of the account is due to Citi 's lax data security and their failure to notify me of an obviously suspicious transaction. 
I want Citi to correct the filing they made with the credit bureaus to reflect that I was not at fault in the fraudulent transaction and the resulting account closing. I want my credit scores restored to their original levels. I would like CPFB to pressure Citi to take a more business like approach to approving obvious suspicious transactions as was this large out of country charge from XXXX.
Someone apparently got attached service in my name, Diversified consultants was asked the first time they contacted me to send me proof of the debt they refused and posted the depth to my credit file, I have lived in the same house for years I have att users ever and cell phones and pay my bills every month when I get my social security, last year I reported identity theft to the ftc over medical billing please help
XXXX XXXX are notorious in trying to collect fraudulent debt. Their attorney refused to compel discovery from the court. They claimed that they served in a house I did not owe and also I was in XXXX at the time of service. This company and their shady lawyers must be confronted and fight back legally. I won the set aside Motion and got my garnished money back. I urge anyone who has a problem with this company, please contact me at XXXXXXXXXXXX and let us get together and hire a lawyer and file a lawsuit. This does not even have an address or phone number you can contact them but you can contact via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. I wish you all a great luck and fight back if you are correct or debt is old and does not comply with the statue of limitation. I heard this company and their shady lawyers trying to collect debts from 1970 's. Just XXXX their name and you will see the truth.
I have been making all payments to my loan. In fact I have been paying in excess of my monthly payment. The problem is that they are not applying the excess to my principal but rather they are using it as a pre-payment for the next month. 

I am tying to reduce the principal and payoff early. But they keep this from happening by using my excess payment to " pre-pay '' future payments.
I have been making payments to my capital one credit card and they continue to report me as late. XX/XX/XXXX my statement ( due date XX/XX/XXXX ) stated I owed {$200.00}. I paid on XX/XX/XXXX {$470.00} ( because I also owed XXXX so at this point I was 30 days past due ) I was told this amount did not count towards my payment due although online and on the phone when I made the payment on XX/XX/XXXX the minimum due was {$470.00}. I had asked the rep why it was being reported as the minimum due on the phone via customer service, on the capital one app under my account, and online under my account info as the minimum due if it wasnt actually he minimum due. She said that she couldnt help me to file a dispute. Moving forward to XX/XX/XXXX my statement ( due XX/XX/XXXX ) reports I owe a minimum of {$160.00} I then get an email 4 days later ( XX/XX/XXXX ) saying my payment had been returned therefore my minimum was now {$750.00} Between XX/XX/XXXX and XX/XX/XXXX I received 6 emails stating that I had to pay a minimum of {$750.00} to bring my account out of collections and current therefore I paid it on XX/XX/XXXX in the amount of {$750.00} I then on XX/XX/XXXX received a notification that my account is still past due now 6 payments and that Im faci a charge off. I called the company spoke to three reps all telling me my {$750.00} payment meant nothing I needed to make another {$780.00} payment to bring it current although the emails and phone customer service and online account said minimum payment due was {$750.00} which I paid
I received a letter from debt collection agent called " Capital Accounts '' and demand me to pay {$1100.00} debt from XXXX 's XXXX XXXX. I was shocked and called the debt agency the next day when they open the business. I have told the customer service that I did not own this money and thought it was resolved XXXX or three years ago. 

I did have an issue with XXXX with the payment. I have contacted them at least three times or more. I even walked into the XXXX office and the front desk lady said she could not discuss with me and I have to talk to the XXXX wife. So I left my cell phone number but never got responses. The only reponse is a bill statement that is getting more and more money shows on the bill and then I did not receive anything. 

When I and my kids visited the XXXX office, we have agreement to pay up front to the services they provides otherwise they refuse to provide the services. So my understanding is I have paid everything in full before any services and I do n't own any monney. The agreement is obvious that if I do n't pay they do n't provide services. In other words, If they provide services, I must pay them in full. I am not responsible for any extra charges later without my consent. This is against my will and they can not bait me for XXXX price and ask me for additionals later without my consent. It is unfair that they just send me bill and accumalate the debt and leave to the debt collection agency without my consent and without any proper steps and actively communicate to solve the issue with me.
I received messages from my former employer that a debt collection company was calling them several times a day for me. I have not worked at that company for over a year and they never called while I was working there. Today, I received a call from them. In the message they disclosed private information about my debt collection.
I have contacted all XXXX credit bureaus to remove incorrect credit reporting data from my file. The account in question has an approx balance of XXXX. I have, with success been able to get the incorrectly reported information removed from my XXXX file. The item is no longer listed due to my not being liable for the loan. The loan is a joint loan that liability should be listed as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I do, however have XXXX Consolidation Federal Student loans ( Exhibit A ) that are currently in a hardship deferment. I have contacted Navient to have the inaccurate listing as it is affecting my " creditworthiness '' and I would like the inaccurate data removed. There is negative payment information that has correctly been reported to my parents XXXX XXXX and XXXX XXXX. 

Enclosed is the student loan detail from Navient website confirming the following : 1. Shows my father " XXXX XXXX '' as the borrower 2. Shows the school attended as XXXX XXXX University XXXX. Shows " XXXX XXXX XXXX XXXX '' as the student associated/attending the learning institution " XXXX XXXX University ''. 

XXXX credit file showing the item has been removed.
As of XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX to obtain a receipt for each payment I've made to them regarding my debt with XXXX XXXX. This account was settled with my final payment of [ {$180.00} ] being made on XX/XX/XXXX. 

The payments I made to XXXX XXXX XXXX XXXX, were done by phone and while they recently sent me an account settlement letter, indicating that my debt with XXXX XXXX is settled, when I asked the representative for receipts for the payments I've made to XXXX XXXX XXXX XXXX, he told me that he could not do that. 

I explained that I didn't receive receipts for my payments to XXXX XXXX XXXX XXXX, but only the few accounts letters he acknowledged that were sent, but which only indicated my account balance and my final payment to XXXX XXXX XXXX XXXX. 

The most recent letter I received from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, also shows a Total Balance Due of [ {$94.00} ], despite the fact that my account was settled on XX/XX/XXXX, and while it was explained to me that amount reflected a remaining so-called " savings balance '' after agreeing to their settlement offer, the way it appears in this statement from them, could easily be misconstrued as indicating that I still owe an outstanding balance. 

In light of this fact as well as the fact that I've never received receipts from XXXX XXXX XXXX XXXX, I implored the representative from XXXX XXXX XXXX XXXX that I'm entitled to a receipt of payment for each transaction I made to them and that, specifically, this is what I was requesting, to which he continued to assert that XXXX XXXX XXXX XXXX had issued, when in fact, I have NOT received any receipt for any of the payments I've made to XXXX XXXX XXXX XXXX. 

I know, by law, I am entitled to a receipt for any transaction I make, and before my XXXX XXXX debt was sold to XXXX XXXX XXXX XXXX, it was being managed by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, of whom always provided a receipt of payment to me, along with a confirmation number, for every payment I made to them as collection on the debt I originally owed to XXXX XXXX. Even before my XXXX XXXX XXXX XXXX account was sent to their own collection department, XXXX XXXX itself, also always provided me with a receipt of payment for every payment I made. 

To date XXXX XXXX XXXX XXXX is refusing to provide me with receipts for the payments I made to settle my outstanding debt with XXXX XXXX. This is why I am now reaching out to the CFPB, because I need help ascertaining this information I am legally entitled to, from XXXX XXXX XXXX XXXX.
On XXXX XXXX XXXX, 2015 I tried to initiate a payoff of my Auto Loan on US Bank website. I entered the amount in the box on the bottom that said " other amount ''. I entered the entire payoff of my vehicle along with my banking information and clicked " submit ''. I was met with a screen that said " unable to process your request online, Please call ''. I called the XXXX number to speak with a representative. They advised me that such a large payment ( approx. {$25000.00} ) could not be paid online and that I would have to mail them a check. She provided me with the address and I sent them a check. Well Monday XXXX XXXX, 2015 comes around and I check my banking statement. Low and behold that payment that I attempted to make online XXXX/XXXX/2015 was processed and taken from my bank account. US Bank online banking webpage never gave me a confirmation number or indication that a payment was accepted. That fact that the only thing the US Bank website told me was " unable to process your request online, please call '' tells me that the payment was not made. US Bank website does not offer a way to view pending payments made online, no email notifications are sent, and their is no way to cancel a payment you have made online even before it is processed. Since I sent a check through my XXXX XXXX account online bill pay that was delivered XXXX XXXX, 2015 my account was overdrawn due to the lack of information on US Bank website advising me a payment was processed when the fact is that its website clearly told me it was unable to process my payment. I have encountered fees for payments that could not clear due to the incompetent website US Bank provides its customers.
Equifax had poor security practices and allowed an unknown amount of information about me to be stolen sometime in XX/XX/XXXX-XX/XX/XXXX. This breach affected 143 million people, and was discovered by Equifax at the end of XX/XX/XXXX. However, they neglected to notify the public until early XX/XX/XXXX.
I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan  because of this CHILD SUPPORT XXXX
Equifax collected personal information on me such as my social security number and credit information in an unsafe way, and now it has been determined that due to a massive hack, criminals have access to my information. I also never authorized Equifax, or any other credit reporting agency, to collect or distribute any information about me at any time.
On  XXXX   XXXX ,    2017  I made a purchase at Home Depot on  XXXX   XXXX   XXXX  in  XXXX  Virginia. The purchase was for just over {$200.00}. When checking out the clerk asked me if I want ed a Home Depot disc ount card. He said it would take {$25.00} off my first purchase. I said yes assuming it was a store membership card such as a  XXXX  care card. Only after seeing my credit limit pop-up did I understand that this was a credit card. I asked the clerk if this was a credit card or discount card. He said he gave me a {$25.00} discount. I asked him to clarify again was a credit card or just a store discount card and he said it was a credit card. I complained to customer service and the store manager, and then called the credit card company, Citiban k North America, to c ancel the card and pay the full amount. I informed the credit card rep that I would file a complaint with the cfpb, and he said he would also file a complaint on my behalf.
Hello, I have recently discovered a large issue with my XXXX XXXX/Care Credit account. They have charged unauthorized card security fees labeled as " Card Security XXXX. '' Synchrony/Care Credit said they would investigate and it may take up to two weeks. Also said they would send me the paperwork proof I signed up if available. So obviously they are going to make up some paperwork or they 've snuck in the agreement to this somewhere in a very sneaky way. Regardless of either of those things, I never willingly or consciously agreed to anything of that nature. I never have and never will. The charges are currently {$42.00} per month but are based in a small percentage of your balance. For some reason only statements after 2016 are available, but the charges date back at least that far. After all this time I have just now discovered this. In addition, I have paid interest fees as a result of these card security fees. The fees have caused me to pay $ XXXX monthly in unnecessary interest. My balance has stayed roughly the same for years because of all this.
A sales representative at XXXX XXXX opened up a new credit card for me with XXXX XXXX during the holiday season while I was shopping there either end of XX/XX/XXXX or sometime in early XX/XX/XXXX. I tried to payoff and close my credit card account because I decided I did not want another credit card and because on the first statement they sent me in XX/XX/XXXX they had already charged me a service charge of {$27.00} on top of the original balance for the item purchased of {$25.00} ( more than 100 % of the balance in less than a month! ). I called the number on the XXXX XXXX Account statement for the first statement I received with a statement date of XX/XX/XXXX in middle XX/XX/XXXX and was put on hold for over 20 minutes and when I reached a representative to pay the card off I was disconnected. I tried again and waited again and I was disconnected. I tried several times after that and was not able to get through. I was finally able to reach a representative on XX/XX/XXXX and paid off the balance at that time on the XXXX  XXXX credit card using my XXXX Debit Card attached to my checking account at XXXX in the amount of {$93.00} which included another {$38.00} service fee on top of the original {$27.00} service fee. I also canceled the XXXX XXXX credit card at that time and was given a confirmation # of XXXX by the online customer service rep. I then received a bill from XXXX XXXX in late XX/XX/XXXX with a due date of XX/XX/XXXX with a new {$40.00} service fee added on. This is all for the same account # XXXX that was supposed to have been closed weeks earlier under my name XXXX XXXX. I have tried logging on online and not been able to and had the same problems getting through on their phone # on their account statement XXXX. I believe this constitutes credit card fraud and they are playing inept in order to charge you exorbitant penalties and fees and will not allow you to pay off the balance or close the card.
After my bankruptcy this loan was was the only one I could not bring back to a current status and I 've been working with a third party agency via XXXX XXXX/Navient making payments each month. I 've been in an arrangement for over 2 yrs making on time payments. I received a call today threatening to take me to court for this loan. The caller would not mail me anything and informed me if I would n't work with him by phone they 'd just do what they have to do. I explained to him I have a payment book that this is set up with monthly auto debits and I am on my job and I did n't have the information readily available. I asked could he email me or send me anything in writing he said no. He said many people said they were working with XXXX like me and loans must have been pulled from them. Why must the call become hostile or threatening because I asked for something in writing? The phone number was XXXX for all I know it could be fraud.