WillisBack/dataset-financial-user-claim huggingface dataset:
I have an account with XXXX. My address changed and I updated the address in the store with an employee 12 months ago. I shop here maybe 3 times a year. I made a purchase at XXXX ( XXXX ) XX/XX/2016. I always use my XXXX card to pay for my purchases because of the XXXX % off of your purchase you receive for using it. XXXX % of the time pay it off after I charge it. This time I was in a hurry and did n't. I never received a bill. I shop here so infrequently that I was n't looking for it. 3 months later I receive a call from a collector at Citi on my cell phone stating I owe on my XXXX card. I explained to the Citi customer service employee about the mix-up and paid the amount in full. Even one of the late charges. As I was on hold, I logged into my XXXX Credit Report site and realized they had posted this and my credit score had dropped over XXXX points. I explained that I needed to speak to a manager and she put me on hold for 10 minutes only to come back and give me the contact information to contact XXXX. I told her no, I need to speak with her manager. I was then transferred to a Escalation Specialist who told me Citi was not responsible for the mistake of XXXX, that was their mistake as XXXX changed the address on my loyalty card and not on my billing address. THIS WAS NOT EXPLAINED TO ME. The escalation specialist gave me XXXX options to have negative removed from my report : 1 ) go to the XXXX retail store, speak to the manager about what happened, then call Citi and explain to them what happened with the address change 2 ) fax in a dispute. I happened to be at the mall so I walked in to the XXXX and had a manager speak with the escalation specialist. The escalation specialist 's story changed to the manger and quickly transferred the XXXX store manager to someone above her who told me I would need to fax in a dispute. I just can not believe a company like Citi is able to be so deceitful unfair and misleading to customers. I did n't pay my bill when I made the purchase, my fault. I PAID WHAT WAS OWED IN FULL as soon as the error was found on my part. I changed my address in the store and they said it was updated. I NEVER RECEIVED A BILL!!!
I have tried to communicate with GLA on several occasions. I have faxed, and sent certified letters, which were received and signed for. GLA in reporting on my credit report for a bill that I am not responsible for. On top of that, that have ILLEGALLY obtained my XXXX XXXX  to do so. They are violating my XXXX rights and trying to make me pay for a debt that I am not responsible for. Please see attached.
There is a fraudulent Department of Education account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere arou nd 2014 and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with the ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in which the Department of Education is not. Please remove all accounts from my credit  report immediately. Thanks.
Multiple disputes on several incorrect items on my bureaus. Submitted clear and concise documentation proving their errors. After 3 rounds of " updating '' with no changes I am filing a formal complaint against Equifax and XXXX for not complying with the FCRA laws and the legal requests I have asked for stating how they came about their decisions of " non removal '' and " verified as correct '' which is apparently not the case when proof is provided on numerous occasion.
XX/XX/2013, I cosigned for a vehicle for a boyfriend on mine. The loan is through Santander consumer USA at 26.29 % for the amount of {$11000.00}. I ended parting ways with this said boyfriend and long story short, I have had the vehicle and have been paying on it for most of the loan. I have requested several times for them to send me statements, they never have. I finally figured out how to log into my account on their website ( trying to figure out how to pay off the loan ) and I noticed that my balance as of today is still at {$11000.00}. Confused, I looked at the payment history and come to find out, over the course of 3 years they have only applied {$160.00} towards the principal of the loan. To date I have paid {$10000.00} in interest. They charge a late payment fee of $ XXXX/month. I have been late on several payments and of course there have been some really rough times. There were several times in the life of this loan I have called them and made payments larger then my payment amount and have even asked their representatives if I was caught up. Their answer had been yes, so I did n't think anything was majorly wrong. When first contacting them about my discovery, the first representative just kept telling me it was because I was usually late on my payments. I ended up getting transferred to a manager and she placed my complaint with their " presidential office. '' I asked for that number and she refused to give it to me, however I did get it in an email, and I spoke with them today. I asked several times why they have never applied anything to my principal and his only answer was that it was how I was making the payments. He argued with me for probably an hour. I tried to get him to see that with the interest that I 've paid to date that they were not charging me the 26.29 % interest that is in my agreement, that in fact they have charged me close to 89 %. All I got was the same answers. I asked him how much they have charged me in interest ( $ ) for the life of the loan so far. He only said that their systems do not calculate that and that all he could see was the amount that I 've paid in interest. I 'm behind on a payment again and I 'm torn between letting this car go back or not. I do n't want it to hurt my credit more than it already has, I ca n't get answers out of them, they are not willing to work with me. I asked that man today what he suggests I do in order to get the vehicle paid off, his response was the only way I could would be to make two payments a month.
Chrysler Capital refuses to send me a monthly statement. After I realized it was overdue, I tried to call the phone number of my previous statement but it would n't accept my account number and I could find no way to reach an actual person. 

When I asked about this using their online system ( apparently they do not accept e-mail ), their response was to call that number. 

When my next message explained that the number did n't work for me, their response was to use online chat. 

When my next message said I had no Internet access and online chat at a public computer was n't appropriate, they said they had no way to send me a statement and again said I should call the number or use online chat.
I have a loan with Regions which is due on the  XXXX  of the month. I do not receive my SS check until after the  XXXX  which is within the  10-day grace  period. I have never had to pay a late charge on this loan and do n't intend to in the future! However, the bank calls continuously beginning after the  XXXX , sometimes  4-5 times a day. I received two  yesterday while I was sitting at the doctor 's office. I am requesting that the calls cease now! Again, I 've always paid the monthly amount within the proper time and within the 10-day grace period.
XXXX there was a single fraud charge on my debit card..police report XXXX. The staff accidentally put several other charges into fraud .... causing a disaster with my funds. The only charge I disputed was from XXXX XXXX. I live in Montana. On XXXX. I closed my accounts, with my personel banker, XXXX ... at a XXXX balance. On XXXX I walk into the branch office, XXXX says your account is overdrawn. This is how I found out, they did not notify me. Also they forced closed a closed account for XXXX fee. I only signed off on one fraud charge. To many odd mistakes. They all nounce me back forth, telling me this is my fault. I didn't push any buttons by Mistake. The default company says my balance with them is the branches problem. The branch will not accept my calls. My security code has been removed, I can not access an account which I closed and am being told I have pay this amount. Several years of loyalty to this bank and iam shoved around, yelled at by this companys staff. The branch manager, on a three way call with 800 at the beginning, lied to me face to face, never took responsibility, no one did, as this is all my fault.
I filed a complaint with the collection agency but the bureaus, in my opinion, hold some responsibility also. The only reason I know about this is because I received an alert from my credit monitoring service to a new collection reported. I have been working on my credit and was getting much better. Real quickly, my monitoring service just posted a collection from XXXX XXXX XXXX account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. I never received a phone call nor any letters from this company which I filed a complaint about. Additionally, the bureaus are showing as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. The issue is now I have 2 negative items both showing a balance owed for the same thing, and both are effecting my debt to credit ratio twice for the same debt. My understanding is the credit bureaus can not report a balance from an original creditor after it is sold to a collection company. The balance has to be XXXX  'd out from the original creditor. Otherwise, the original creditor shows a debt owed, the collection shows a debt owed for the same debt and I get penalized twice on my debt to credit ratio. I am in the process of getting a loan and this is the last thing I needed to happen.
Designed receivable is a collection agency attempting to collect a medical bill that was not filed on my insurance in a timrly manner. I paid my part.
I received an offer to open a Citibank gold checking account with a promotion code to receive XXXX miles after meeting certain criteria. 
After opening the account I received an email stating that my request to open this checking account had been approved. I inquired to verify and the promotion was confirmed and I initiated opening funds for the account. 
After I thought I had completed the requirements, I chatted ( see attached print out of chat ) to confirm I had done so, at which time I was made aware there was one more requirement I needed to complete. I asked how long I had and was given the date. 
Again, I completed this requirement within the date given to me by the agent over chat ( see attached ) and I chatted again to verify completion. The Agent confirmed " I see that you have successfully met the requirements ''. I asked how long it would take for the bonus to post and he said " in the next statement cycle ''. 
After the statement cycle when the bonus did n't post, I called and confirmed and that I had met all of the requirements of the promotion. The Agent said they would file an investigation. Weeks went by and I did n't hear back so I called again. This Agent said the investigation had been concluded and I had been sent notification ( that I never received ) stating I did n't qualify and there was no promotion attached to the account, which was very confusing and frustrating to me since as you can see from the attached chat conversations that the promotion and my having met the requirements had been verified on several occasions. They asked me some questions and said they would file another investigation. 
I just received another letter ( see attached ) saying that " there was no promotion offered with your account ''. This is a direct contradiction to the information I received from several customer service agents stating that I was eligible for the promotion and that I had met all of the requirements for the promotion. 
If at any time I was not eligible for this program or it was not connected to my account, I should have been advised of this on any of the occasions I inquired specifically about this promotion. This is deceitful and fraudulent on Citi banks part, all the while billing me {$30.00} in monthly fees to maintain this account while they try to deny me this promotion that clearly was the enticement to open this account in the first place.
There is apparently a lien on my account for {$6700.00} from New Mexico  Taxation and Revenue f rom  XXXX . This has somehow been linked to my name. Please note that I only moved to the US in  XXXX  ( I am an  XXXX  citizen ), had never heard of "  XXXX  '' before today, and have nothing to do with this apparent outstanding account.     How can someone link something to your account with no one actually doing any checking?
Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( XXXX, Equifax and XXXX ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be XXXX XXXX with a score of XXXX, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at XXXX XXXX. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.
There is nothing FAIR in the federal Fair Credit Reporting Act if a consumer has to pay for their OWN credit score. Why does a consumer have to PAY for their own credit score? Anyone else seems to be able to obtain it, except the consumer. This is outrageous! 
Does n't this fall under the FOIA? Is there anything really " Federal '' about the federal FCRA? If so, why am I being addressed on the phone by someone in XXXX?
XXXX XXXX XXXX from XXXX Acct # XXXX if trying to collect and debt that was paid on Capital One debt from XXXX was paid through XXXX XXXX XXXX after my dispute was resolved., I have been disputing on my report since XXXX
On Tuesday I closed my card due to fraud. The told me I would have a new card expedited since I was leaving town. And it would be there by Thursday. Gave the address to ship to they did n't change it. Called XXXX to confirm everything was done and it was n't. They changed it said I would get it Thurs and nothing. Calles Thursday said it would be there Friday. Friday morning they say nothing had been shipped and then a different person said it had. Now it 's XXXX on Friday nigjt and nothing. No tracking number no nothing. Cadence bank fraud department is a fraud themselves. Never use them And someone needs to do something about their communication issues and the liea they tell their customers. They claim they will do whatever for the customer but they are all full of shit. This was the entire week of XXXX XXXX.
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They claim now they will ship one to the beach and a new card has to be made ans I wo n't get it until weds. So now this issue will be going on a week.
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I will be canceling my card and tell the whole world including all the senators and politicians I have done business with never to use the services.
1. I provided the credit card company FIRST XXXX, and all 3 credit bureaus a copy of the receipt of the credit card being paid in full. The credit bureaus keeps sending me a response from the credit card company FIRST XXXX, stating, " I did not state what I 'm disputing ''. 2. Also, some credit inquiries are being reported more than 1 time. Also, I did not authorize all of the inquiries on my credit report.
Navy Federal Credit Union reported me late on a credit card that does not belong to me, I am an authorized user only. I never signed anything saying that I would be financially responsible for this card.They reported me late, and when my wife called, they advised me that they reported me as an authorized user, and would not be able to correct. My wife had me removed as an authorized user, but I need them to go and fix my credit report. You can not report on an authorized user, because I never had financial responsibility for this card
I spoke with a representative twice @ Equifax. Once inXX/XX/XXXX and againXX/XX/XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in  XXXX. I then also mailed validation letters on XX/XX/XXXX.
Americash loan wants XXXX on a XXXX loan a 197 % rate of interest a high rate of loan
Equifax and XXXX websites make getting a security freeze or credit freeze impossible. Same with their versions of free-annual-credit-reports. 

XXXX works well and I succeeded in getting security freezes for myself and my wife. 

These data aggregators also mangle our data ( running names together into a single name ) making some information questionable. 

As for XXXX - its good as far as it goes, but since two of the three leading credit reporting entities prevent consumers from completing their credit report requests, this lessens their value to consumers. 

What is needed is a single website that lets consumers get free annual credit reports, and lets them manage security / credit freezes as needed by the consumer. 

We also need a single website where consumers can easily opt-in or opt-out of unwanted data sharing, marketing schemes/scams, and advertising.
wells fargo bank advised my title company XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX Tel that the amount needed to pay off my home mortgage loan was {$140000.00} when in actually the payoff was {$140000.00} the first amount they said included interest and they supplied a payoff letter that I will be forwarding to the IRS for the interest it appears they are manipulating numbers and in addition they did not respect my privacy giving my personnel cell phone number to a XXXX appraisal company that called me I asked who gave you my number the lady advised wells Fargo did their telephone XXXX XXXX received several calls from this business and a technician I never called them or requested their service violating privacy rules my real estate agent and the title company mentioned above stated that working with wells Fargo was a nightmare they stated it appeared they did n't want the property to sell and go into foreclosure this is my complaint I will continue with a complaint to the XXXX.
I obtained a Mortgage through XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX a Mortgage was obtained through XXXX XXXX. The XXXX XXXX was used to refinance the XXXX XXXX. I have since paid the XXXX XXXX in full. According the XXXX Count Clerk of Court Official records a mortgage satisfaction from XXXX was never recorded. Bank of America is the current owner of XXXX XXXX. Title merger history for XXXX XXXX is as follows : 1. XXXX XXXX was bought by XXXX XXXX XXXX in XXXX. 
2. XXXX XXXX was bought by XXXX XXXX in XXXX. 
3. XXXX XXXX was bought by Bank of America in XXXX.
Kohl 's has promised to remove a charge several times from my credit card ( have copies of email ) for Incident number XXXX for order # XXXX which occurred THREE months ago. Recently, the decision was made not remove charge ( s ) from Kohl 's account related to an item that I am disputing the purchase of. Requiring me to pay for a police report to remove the disputed charges for an item that was never sent/delivered to me. They are violating my right to get reimbursed for the product they did not deliver to me.
When trying to refinance my house, the lender ran a credit report that contains erroneous derogatory information. The collections company claims my information matches theirs, except for mailing address and they let me know who the party was who sent me to collections. I have had no dealings with the party, a law firm, who sent me to collections. I fear this is a case of an error, mistaken identity, or identity theft.
Honda Financial Services charged, without permission, my checking account that was attached to my loan. I had already made a payment on XXXX/XXXX/2016 and today, XXXX/XXXX/2016, that same exact amount was charged. They had no permission nor consent to charge my account. Now i am dealing with a huge negative on my account, as well as future overdraft fees. 
The fact that i have to call honda, wait for hours to be on hold and just get a message that they 'll resolve the issue soon is unacceptable. Also having to contact my bank, who is n't at fault.
XXXX won't let me gain access to my XXXX report. it says that i can not accurately identify myself though the questionnaire after several attempts. i am assuming there is some form of credit fraudulence on my report which i don't know about and can't confirm my own identity ... 

XXXX doesn't have an easy way to review my credit report like XXXX and XXXX do.
I have been the victim of identity theft the following accounts were opened by someone else : 1 ) XXXX Acct # XXXX XXXX ) XXXX Acct # XXXX
Since l file various complaints against Prestige Financial services in XXXX Utah in regards of my car loan account # XXXX l have not received any official lower affordable monthly payments under {$400.00}. 
The interest rate on my car loan is still 17 % and balance as of {$20000.00} since l purchased vehicle XX/XX/XXXX XXXX with XXXX miles. 
Balance keeps increasing over {$20000.00}. 
I have requested a payment at around {$350.00}, because l can not afford to make payments of $ XXXX payed a {$440.00} on XX/XX/XXXX so l do n't get my car repossessed and have negatives on my credit report with Experian.Equifax.Transunion. 
Prestige Financial services rep reduce my monthly payments to {$440.00} @ month, but payments is unaffordable. 
If Prestige Financial services does n't want to lower my monthly payments, they can take back the car and do n't have no negatives or debts on my credit report or record. 
I ca n't refinance the loan with another lender, because of Bankruptcy chapter XXXX, but Prestige Financial services can refinance and lower car payments to {$350.00} Prestige Financial services in XXXX.Utah reps knew about my Permanent XXXX lifetime and retired status. 
Prestige Financial services contact XXXX
Dear Representative, I had my loan on a deferment due to a hardship caused by unemployment. My loan was on a 1.25 % APR because I made my payments on time for the last 17 years, it was 1.75 % fixed rate, and it got reduced to a 1.25 % fixed APR. Since Navient took over the only thing I had had is issues. They change my deferment payment plan many many times without contacting me, and without reason. Their employees do not know what they are doing. 

After my 18 month deferment ended, they started to charge the auto debit payments again, which was declined because I had a new bank account number. They did not email me or contact me to notify me that a payment was going to be charged. I gave them the new information twice as the first one was not processed due to their incompetence. 

Now, they are charging me the wrong interest rate of 3.00 %. My rate was changed when I went to the deferment payments. Deferment payments should not change the APR in the account, I contacted them, and spent hours in the phone, and they always give me a different response.