WillisBack/dataset-financial-user-claim huggingface dataset:
Here 's a little story : I have private loan with XXXX, and I opted to make payments while in school to keep the balance from ballooning before I graduated. 

I noticed that my automatic payment was always debited from my bank account at the latest possible point in the monthly cycle, which meant that they were maximizing the amount of interest I paid every month ( and therefore minimizing how much of the payment went towards principal ). So I called them up, and asked them to kindly move up the date of the auto-payment to an earlier day in the month. The rep I spoke to said that it would not be a problem. 

On my next statement, they had changed not only the date of the withdrawal, but they also shifted the monthly cycle so that I would still be accruing the maximum amount of interest every month.
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor Information XXXX   XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
This account with XXXX XXXX supposed to show closed on Equifax and still show transferred. I want Equifax t fix this issue immediately.
Dear Bank Of AmericaI need your assistance with release of lienThe document number is XXXX for XXXXMy modification was completed XX/XX/XXXXMy discharge for the XXXX mortgage was XX/XX/XXXXThe document number is XXXXThe amount XXXXBy providing lien release I can avoid bankruptcy court to complete avoid lien request requested - however I need to adjust value and will be granted according to bankruptcy judge notesI appreciate your time
I XXXX XXXX XXXX pulled my credit information and noticed Works and Lentz Law Firm In XXXX Oklahoma has been reporting false information on my credit report. I have the case in XXXX Court filed on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX that case was dismissed by Judge XXXX XXXX XXXX on XX/XX/XXXX for the foregoing amounts which are still on my credit to this day amount {$2600.00} was opened on XX/XX/XXXX, another in the amount {$140.00} opened on XX/XX/XXXX, another in the amount {$100.00} opened XX/XX/XXXX, another in the amount of {$100.00} opened on XX/XX/XXXX these are on my credit report to this day. This is case # XXXX, XXXX County, I Could not figure out why I am unable to buy a home a car or anything, my credit has been ruined since XXXX, this is three years of ruined credit that is {$3000.00} this is a Violation under so many FDCPA Laws and Fair Credit Reporting Act. I would appreciate your help in this matter.
disputed the late payments reported on XXXX XXXX. 
XXXX. Equifax never reversed them ... They did not even send me any proof as to why they will not correct it.. Please take care of this error and remove the late payment CFPB
Someone within Navy Federal Credit Union has been allowing unauthorized individuals to access my personal accounts. These persons have no judgments or liens but persisted to access my account within their security department. This has harmed my credit worthiness and it also almost put a strain on my finances as the individuals in the " back office '' as they call it were pretending to be my account manager and disabling my accounts, manipulating transactions so they take out funds too soon, or not soon enough. Sometimes even posting transactions days later or posting {$1.00} transactions when it really is a {$40.00} transaction. They even teamed up with XXXX XXXX after XXXX XXXX withdrew {$2000.00} without my consent and without my authorization to my mothers account whom I was n't a signer on and neither was she a signer on my accounts. This caused a huge banking error that took two months to clear up at which time the funds were finally placed in the Navy Federal account. Navy Federal has never been as traditional banks and do these types of deceptive business banking practices which leads me to believe that their security team has been breached and my credit and account information was being compromised. They refused to allow me to place funds in my account via mobile banking when it was very imperative that I deposit these funds. They allowed a fraudulent garnishment to be placed on my account for a year before the company requested them to remove it. Navy Federal has failed to be an adequate bank as I have had the account since 2002. This bank seems predatory and unfair in their business practices. I requested the name of the person who claimed to be " my account manager '' as they put it, and placed a permanent no mobile deposit on this account, all because of XXXX error. This bank allowed security breaches and at times I felt I was speaking to people who had criminal records. They mysteriously claimed to check my credit and no judgement was there yet a garnishment mysteriously showed up on my account at which time as stated before it was removed. They claimed also that I had a money market account that charged off with a XXXX balance and for no reason. I believe they were doing what XXXX XXXX was doing and XXXX XXXX. Conducting fraudulence while not letting me utilize my account.
Company sent me a collection letter mid XXXX XXXX, 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on the letter. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never attended XXXX University and I have no knowledge of this account.
I received a letter dated XX/XX/XXXX from IC System demanding a debt in the amount of {$60.00} on behalf of a doctor 's office. On XX/XX/XXXX, I responded in writing and provided information ( credit card payment approval/confirmation code and date payment was made ) which may prove the debt to be invalid. I further requested verification of the debt, such as date of service and type of service. 

Before the end of XX/XX/XXXX, I called their office to provide the information verbally and to request verification of the debt. I was told that that the account is scheduled to be reported to the credit bureau in XX/XX/XXXX ( a specific date was not provided ). The lady I spoke to advised that the creditor will be informed of my dispute and no action will be taken until such time after the debt is verify. 

Since I have received no response, a later dated XX/XX/XXXX was sent certified mail to reiterate my conversation with their staff and my dispute. On Saturday, XX/XX/XXXX, I received an email from my credit monitoring service, that IC System reported the debt to the credit bureau on Sunday, XX/XX/XXXX. 

On XX/XX/XXXX, I called IC System. The gentleman I spoke to said that the system shows the account as being on hold due to a dispute and he is not sure what happened or why it was reported to the credit bureau. 

IC System has violated my rights under the Fair Debt Act, by failing to investigate and to provide verification of the debt.
My mortgage was transferred from XXXX XXXX  to Sorits as of XX/XX/XXXX per documentation. I received official letter from Sortis on XX/XX/XXXX regarding the transfer and that my first payment was due on XX/XX/XXXX. 
I received another letter from Sortis on XX/XX/XXXX in my mail ; it was dated XX/XX/XXXX ; saying that my mortgage payment was more than 30 days past due and my loan was in default. 
In XX/XX/XXXX my mortgage was transferred from XXXX to XXXX XXXX. In XX/XX/XXXX, I mailed a check for the mortgage to XXXX ; then after that, starting in XX/XX/XXXX, payments were automatically sent from my account. Per the records in that account, XXXX started returning some of those payments back into the accounts. Those automatic payments were mailed consistently until XX/XX/XXXX, when Sortis was taking over the account. 
I am asking that any back payments prior to XXXX taking over the loan ( then transferring it to Sortis ) be attached to the end of the loan.
I am re sending the letter dated on XX/XX/XXXX and is " Not a Duplicate '' question that was marked on XX/XX/XXXX. I making the complaint because I have not received a break down of fee 's assigned to this account # XXXX ; CFPB Complaint : XXXX while at XXXX, a Ceannate Company before sending off to my servicer that is assigned now. I need a break down of Principal amount, Interest, collection fees or any other fees that were assigned to this account before it went to my servicer. The letter attached did not include this for my review and my understanding of all fees is not clear of the amount owing. 

Please forward me a copy of this so I can review.
Balance transfer XX/XX/XXXX completed and the promotional 0 % interest was good through XX/XX/XXXX. I had purchases on the XX/XX/XXXX statement as well and my balance was XXXX including the transfer fee. I paid XXXX on XX/XX/XXXX bringing the balance to XXXX on the XX/XX/XXXX statement. That payment was fully put toward the balance subject to interest. At this point the balance was all 0 % promotional. From XX/XX/XXXX through XX/XX/XXXX I paid XXXX bringing the balance to XXXX. 

In XX/XX/XXXX I made a large purchase on XX/XX/XXXX ( XXXX ). I made a XXXX payment on XX/XX/XXXX. Barclay MasterCard began putting all money paid toward the purchase ( higher interest ). I also made a payment of XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. I was making large enough payments to pay off the promotion on time. In XX/XX/XXXX I realized what was happening and I contacted Barclay. 

They advised they do not put any of the payment toward the promotion and only apply it to the highest interest even though I wanted them to apply it toward the promotion. I was frustrated but not given any options. 

A few days ago as I was reviewing my payments and how they were applied I noticed the promotion/balance transfer amount never went down since XX/XX/XXXX of last year and in fact now has a higher balance. I read that the changes in how payments are applied that occurred in XX/XX/XXXX state creditors must apply the payment to the balance with the highest interest rate first. I also read that the consumer can choose to have the extra payments beyond the minium due applied to a promotion balance. I was never given that choice. I paid more than enough to cover the total XXXX minimum payment due at the point of my XX/XX/XXXX payment. 

I called again Sunday XX/XX/XXXX to ask about that balance transfer/promotion. I was unable to get clear answers from that associate and requested a supervisor. After waiting 15-20 minutes the associate came back on the line and said a supervisor would call me within 24-48 hours. I advised I was concerned that would not happen and I wanted to resolve this issue. 

I did not receive a return call within the 24-48 hour timeframe. I think that company avoided payment on the promotion amount to push it into accruing interest with the purchase balance I made in XX/XX/XXXX. I want to dispute the action they took and believe they should have to go back and correct it. I decided to make a complaint as I was unable to resolve it with Barclay. Ihope to get some help and answers about this issue.
Loan was transferred from XXXX XXXX to XXXX XXXX. Information was due to be provided so that an account online could be created - a " Heartland key '' so that payments could be made. Key was never provided. Updated information was never mailed. I was able to obtain a key from chat support. Payments fees are exorbitant - over 9 % with a debit card. Between $ XXXX {$1.00} to pay by check. I decided to do a full pay-off of the loan. Was unable to complete the payment online - received repeated errors that they could not process my payment and was provided a Customer Service phone number. Called in and was told to use a different browser ( error code does not indicate as such ) - tried XXXX, XXXX XXXX, XXXX, XXXX, and XXXX with cleared cache in each browser. Was told " in certain cities we only allow certain browsers. '' Asked to make a payment over the phone since an online payment was not possible - was told that I would be charged {$10.00}. Asked to speak with a supervisor to waive the {$10.00} fee. Was told none were available and someone would call me back ( meanwhile, the loan accrues interest daily ). Customer service agent was rude and eating during the call.
On Friday XX/XX/XXXX I purchased {$490.00} dollaras worth of Ethereum from Coinbase using a debit card. These transaction are processed and credited instantly. Well it is now XX/XX/XXXX and I still have not recieved the property that I have paid for. I have sent multiple support tickets that have not been answered within in 72 hours nor will they answer their support office phone.
ON XXXX XXXX2017 I SENT iMORTGAGE ( LOANDEPOT ) ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX ) XXXX 'S PAYMENT WITH ADDITIONAL MONIES INCLUDED IN THE PAYMENT CHECK, IN THE AMOUNT OF {$12000.00}, TO BE APPLIED TO PRINCIPAL ONLY. THIS OPTION WAS OFFERED TO ME ON THE PAYMENT COUPON, WHICH I FILLED IN. THIS WOULD HAVE BROUGHT MY LOAN PRINCIPAL TO XXXX ( {$0.00} ) THE CHECK CLEARED MY BANK ON XXXX XXXX, 2017. 
ON XXXX XXXX, I RECEIVE A PAYMENT STATEMENT FOR XXXX, WITH A PRINCIPAL BALANCE OF {$12000.00}. THE {$12000.00} I SENT THEM HAS BEEN DESIGNATED AS PARTIAL/UNAPPLIED PAYMENT. AND THEY CONTINUE TO CHARGE ME INTEREST EVEN THOUGH THEY HAVE THE FUNDS TO BRING MY BALANCE TO XXXX. 
I CALLED XXXX XXXX XXXX XXXX AND SPOKE TO XXXX XXXX, DURING THE CONVERSATION I WAS INFORMED THAT THE COMPANY COULD NOT ACCEPT PERSONAL FUNDS FOR PAYOFF ; IT HAD TO BE CERTIFIED CHECK OR BANK WIRE, OR THOSE TYPES OF PAYMENT. HE ALSO SAID I HAVE NOT REQUESTED A PAYOFF, WHICH IS DIFFERENT THAN THE BALANCE DUE ( {$12000.00} BY XXXX/XXXX/17 ). FAIR ENOUGH. 
I TOLD XXXX THAT WITH THE {$12000.00} ADDITIONAL PRINCIPAL BRINGING MY BALANCE TO XXXX, I EXPECTED THE COMPANY WOULD CONTACT ME WITH INSTRUCTIONS ON HOW TO CLOSE THE ACCOUNT, BUT THE ONLY COMMUNICATION I RECEIVED WAS ANOTHER PAYMENT COUPON FOR XXXX. 
HE ASSURED ME THAT THEY WOULD REFUND MY {$12000.00} { HOPEFULLY BY XXXX/XXXX/17 } AND HE IS SENDING INSTRUCTIONS ON HOW TO PAYOFF MY LOAN, INCULDING A PAYOFF AMOUNT GOOD UNTIL XXXX/XXXX/17. 
SO MY QUESTIONS ARE THESE ( A ) HOW CAN THEY CASH MY CHECK AND REFUSE TO TAKE MY ADDITIONAL PRINCIPAL PAYMENT AND ( B ) SINCE THEY HAVE MY FUNDS TO BRING MY BALANCE TO XXXX CAN THEY JUST SAY NO, AND CONTINUE TO CHARGE ME INTEREST?
XXXX XXXX XXXX XXXX XXXX, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON XXXX AND EQUIFAX CREDIT FILES. 
While the account could be properly placed in the public records portion of the credit reports, it is not. 
The account is appearing as a collection and as such it is illegally re-aged.The correct DOFD is XX/XX/XXXX, the day rent was due and delinquent after XXXX that same day. 
To be aged incorrectly by 4.5 months is damaging financially to me.The correct age of the account is 5 years ,4.5 months.When the age of the account reaches 5.6 years on XX/XX/XXXX,  the fico affect, a negative affect will be dramatically reduced by the aging process. 
IN CFPB DISPUTES XXXX AND XXXX, the certified court docket provided to Equifax and XXXX was sufficient proof of the re-aging and XXXX AND EQUIFAX HAD A DUTY, A LEGAL DUTY TO ACT AND DELETE THE ACCOUNT. 
THIS IS THE FINAL NOTICE, THIS IS MAKING A RECORD BECAUSE PLANS ARE IN PLACE TO EMPLOY A XXXX/HR ATTORNEY TO COLLECT DAMAGES FROM XXXX, EQUIFAX AND XXXX XXXX XXXX XXXX, for their consistent violations of the FCRA.XXXX XXXX admitted to verifying this account at least 40 times in the above named CFPB complaint.
Checking my credit report XXXX pops up for the fourth time which mean the collector kept selling this account. I never had XXXX NEVER and the last three times they had to remove it because they could n't validate it. I blasted XXXX for doing a authorized inquire, which they remove also. The fourth collector will remove it but not after selling it again. Please help. P.S. I live in a XXXX which XXXX ca n't service so how is this possible!
There are several hard inquiries on my report that I did not authorize and customer service will not remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX    XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX
I SUBMITTED TO TRANSUNION 3 TIMES AND THEY ARE NOT REMOVING AND KEEPING UPDATING THE STATUS DATES. ALL THREE COLLECTIONS ITEMS ARE INCORRECT AND NOT MINE. I 'VE REQUESTED PROOF FROM THEM AND NOTHING HAS BEEN SENT!
I 'm getting repeated calls from Synchrony Financial. I am only a month behind in payments and intend to make my account current this month. I am receiving up to XXXX calls every day including nights and weekends. I just want them to stop harassing me.
This is about Discover Card taking too high of a monthly deduction from my checking account. I contacted them and asked for a reduction based on my monthly income from social security after being declared XXXX XXXX due to XXXX XXXX, but all they did was lower my interest for 6 months only. I need a permanent reduction in the amount they withdraw every month in order to survive.
I have been disputing hard inquiries on my credit report that posted in XX/XX/2015. I have sent several letters and called to have inquiries removed for reason that I did not apply for credit with these companies. I have been told that my information was not in there system because an account was never opened but the inquiry is there on report. if they do n't have an account they have no way of investigating and of course they will not take my word.
Fifth 3rd Bank has listed in credit reports that both my wife and I have missed 8 payments. In fact we have not missed even one without their instructing us that under the modification program we eventually qualified for, we could skip up to 2 Two payments. All other payments were made. In phone communications with them, I was told they were refusing to do anything about the false report until we served them with proof that the credit bureaus contacted them and then gave us 5th 3rd Banks written reply. XXXX  immediately removed the false report from their listing. XXXX took my complaint three separate times and only sent back emails stating that the process was completed, but not once reporting what was the reply. In a fourth contact, by phone, they would not give the reply verbally and stated I would get a written copy in 3 to 10 business days. That was over three weeks ago. Now, by phone, they tell me I am no longer able to confirm who I am to begin any discussion of 5th3rds response or what happened to the promised written reply. The History of bad faith on the Bank 's part is atrocious, including attempts to foreclose illegally and refusing to remove PMI as required when debt went way under 80 % of value. Then, after removing it in the modification, they just arbitrarily add it.
I received an offer from LoanDepot ( my mortgagor ) that I could save interest on my loan if I signed up for their budget billing program where they take my XXXX/XXXX my payment twice a month and then twice a year they take an extra payment. This was very misleading because they do n't apply the payment until the XXXX payment is made. They are taking my money and using it for XXXX the month without any benefit to the consumer. I can make a thirteenth payment at will. I am a XXXX and understand what is going on. To the typical borrower that if very misleading and unfair.
I received iv er 10 calls per day for thr past 30 plus days from Kay Jewlers attemping to collect a debt, in which I have not received written notice.
I certainly hope that I checked the appropriate boxes so that this form is routed properly. 

I have numerous accounts with various financial institutions. All of which I have managed responsibly for decades. None of which have at any time been poorly managed, which is intentional, so that I will not be judged as unworthy by creditors. 

Two of these are long standing and in good status with CHASE. 

XXXX uses a Transunion software named XXXX XXXX. 

Of all of the other accounts I utilize, at least 10, my score is in the 800+ range with an A rating. 

Based on XXXX XXXX my score is in the mid 700 range with a B rating. This change happened within the past 30 days. 

The problem is, that within the last 30 days, I have only improved the balances and account statuses, yet, based on XXXX XXXX resulted in a lower score. The same software was being utilized for many months, perhaps years prior, and seemed to be inline with the other 10 institutions. 

As directed by XXXX, I attempted to contact Transunion to understand their judgment of my worthiness. Transunion would not provide a sensible explanation. They claim it is based upon algorithms. Yet, the same algorithms were in place 30 days ago and my perceived worthiness, if you will, the judgement rendered upon me and my worthiness based on XXXX XXXX, has been reduced in an arbitrary manner, even though my accounts have only improved, that being, the balances are lower, the percentage of credit used to availability is reduced, and the history of proper management has lengthened. 

Transunion said that CFPB are the party responsible for managing errors caused by their software. 

I rebutted that assertion. Stating that there is no reason that a tax payer funded agency should be held responsible for their error, and that there should be someone employed by Transunion who can review this situation to rectify the anomaly caused by on XXXX XXXX. 

The supervisor with whom I was speaking at Transunion, XXXX, was adamant that CFPB will have the solution, but that Transunion does not. 

Thank you for your time.
Debt being reported is from XXXX alleging that their equipment was not returned. I spoke with representatives at XXXX and they are not showing any debt owing by me on their records. I have disputed this with many different collection agencies and when I do they sell my account to another agency.
Last week on XXXX XXXX, XXXX when they had the report of hacking, I was informed ( by putting in my information XXXX that my information was compromised. I also have unauthorized inquiries on my report starting on XXXX XXXX, XXXX. I contacted Equifax and since I did not get anything accomplished, I added the security freeze on my account. I paid the {$10.00} fee. Seeing that it is Equifax 's issue that has made my personal information vulnerable, I should not have to pay for the freeze.