WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX my loan at the time should have been in deferment and i was told that it will be update. So I ran my credit today XX/XX/XXXX and my credit report shows a negative stating my Payment history guide shows 60 days past due as of XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX which is hurting my score and I cant get a home loan or life insurance policy.
pay pal signed me up for a credit card without my knowledge or permission and then directed charges to their card instead of my chosen payment card.
Credit card Debit from HSBC was paid in XXXX and credit bureaus removed the account from my credit bureau reports in XXXX. Removed from my husbands credit bureau reports for between XXXX. XXXX XXXX creditors continue to harass mu husband, myself, and other members of our family threatening to have us arrested, have us served papers, calling us names, using profanity and not providing exact company names and sometimes not providing good call back numbers. This has continued for 3 years now and it has got to stop. We have filed multiple complaints with FTC and all credit bureaus with no help. The state time law limits have passed and the evidence has gone and we need to be protected. The collector called my phone looking for my husband and said they were from XXXX XXXX and were going to sent someone to have my husband served and possible arrested if he did n't pay a bill that he is refusing to pay. The number on the caller ID was XXXX and the call back number she gave me was XXXX. When I explained that we had talked to an attorney already and the debt was paid years ago and I was happy to fax proof over, she stated they did n't operate with faxes. I have had to fax this proof and documentation to multiple companies over the years and I am sick of it. Please make it stop.
I filed a complaint on XXXX XXXX on this site. I asked to have Online Information Services to do a validation check as I do not owe this debt. They replied back and submitted a XXXX page document as a validation check. There is zero proof that I owe this debt. This is totally unacceptable. And to top it off, the debt is passed the statue of limitation. They are not even suppose to try to collect this debt. 

The ridiculous validation that Online Information Services provided is attached on this portal. Edit, I could not attach for some reason, but see Case number : XXXX - Online Information Services has not given any explanation and show me how they calculated what they say I owe. 

- Online Information Services never gave me the original creditor 's statements, contracts, copies of checks, complete payment history. 

- Online Information Services never demonstrated that this debt was not claimed as a loss with any insuring entity. 

- Online Information Services never Indicated if the debt is assigned or purchased. 

etc. 

This leads me to believe that this is fraudulent. Online Information Services is trying collect a debt that is not owed, and is out of the statue of limitation!
I have a Credit Card Account with Care Credit/Synchrony Bank. I opened the account XX/XX/2014 to get dental work done. In opening the account, payments were supposed to be received on the XXXX of each month. I set up recurring, automatic payments through my bank. These payments were deducted in XXXX increments to pay a minimum of {$100.00} per month- at times I paid more. After speaking to a Care Credit representative, I was unaware that the payments being sent needed to be sent during the " cycles '' - which at times, varied based on the month. It was a challenge even understanding their representative explain this concept. At any rate, I was being charged late fees of {$35.00} each month they " received my payment late '', but I was still sending my payments every two weeks- just out of the " cycle rhythm. '' I did n't realize how excessive these fees became until reviewing my XX/XX/XXXX statement. They totaled over {$200.00}. I called to try to resolve this issue with the disappointing response of " well there 's nothing we can do since it was your error '', or " we can refund XXXX of the late fees, but the others we ca n't do anything about. '' I could understand this response if I 'd not been making any payments, but it was a simple mistake on my part of not understanding the cycle and sending payments a day or two late. I could n't believe that a company as large as Synchrony would n't allow for flexibility with customers such as myself. I feel taken advantage of and vulnerable- when even the representative had a hard time explaining the " cycle ''. They did refund XXXX of the late fees, but {$35.00} did n't come anywhere close to what I 've been charged. I 'm extremely disappointed because I would not have even applied for this card if I did n't " have '' to get some dental work done that was out of my budget. I 'm trying to pay them as promised, but the late fees I feel are unfair and hard earned money that they do not deserve. However you can help to resolve this issue, I 'd greatly appreciate it.
Equifax notified us that it is possible that our personal information had been breached. They offered a system to check to see if it indeed had been breached. My information had not, but apparently my husband 's personal information -- including credit cards and soc sec #, etc. -- was possibly breached. Equifax then offered to give him one free year of monitoring, but said that he had to waive his right to sue if their breach caused him harm and said that he 'd have to pay after one year. On top of that, it appears that the Equifax chief officers sold stock and made a large profit before informing us of this breach. This is outrageous. Equifax should have to make good any harm caused by their negligence in handling our personal information. And the officers should not profit off of this egregious negligence while millions of Americans and XXXX have had private information exposed and may suffer harm years from now because of this. Beyond disgusting and I hope the US Government goes after these guys.
I received two letters from Bank of America stating they were closing both my checking account and my savings account. I called the number on the back of letter. Recording said if I received this letter, there is nothing that could be done to help me.
I have a Texas guaranteed student loan-which originated 1st with XXXX XXXX XXXX and has been transferred to Texas guaranteed student loan corp. Im contacting you because unjustified wage garnishment of Temp worker, because the lender is unwilling to accept less money than possible. Also, the amount of loan is in dispute as I believe I only took XXXX loan and because they transferred the loan so many times, they say I owe twice as much in XXXX loans. I requested copies of original loan agreement w signature and they only sent a statement and not original docs. XXXX/XXXX/2016 wage garnishment is supposed to take place. Also, 2 years ago, I submitted for a payment plan and was told {$45.00} was my payment which I agreed to do, provided all information, and then while I was waiting for approval, was told I needed to give address of reference, and I did call to do so. The person who i spoke with didnt submit the information of address, then because of the lender employees fault of not submitting was told I was turned down and had to do everything from the start. 
I have told the lender the situation and they only said now they want {$350.00} now to negotiate. Im a temp worker. I had unemployement for XXXX week this month, and they wont renegotiate to what I first was approved for. {$45.00}. They want me to go through the whole process again although I did everything they asked. 
I want to be a plan of {$45.00} as I agreed long ago and copies of originals. And no wage garnishment.
Kindly Please help me about my problem with the promise promotion of Citibank. with Citibank Case Number XXXX and XXXX. Account Number ending XXXX.I have waited more than 5 months, all terms & conditions were met, called and emailed more than 10X but nothing happen still I do n't have the bonus interest that promise in the promotion, I asked the customer representative about the bonus they do n't know when and still on the case or investigation and raise another the case. 
PLEASE See the promotion Below. 
How To Earn Citibank {$400.00} Bonus : Fund a new or existing Citibank ( R ) Savings Plus Account with a minimum of {$25000.00} new-to-bank funds between XX/XX/XXXX to XX/XX/XXXX If you fund your account with $ XXXX, then you can earn the maximum {$400.00} bonus. 
Maintain a minimum balance of at least {$25000.00} throughout the next 3 monthly statement periods, and you can earn 10X the interest on your savings for this bonus period. 
The cash bonus will be credited to your Citibank Savings Plus Account within 90 calendar days from the date when you completed all offer requirements. 

Thanks you for the help. 

Please see the attach papers below. and the last email below. 

( Citibank email reply last XX/XX/XXXX ) Customer Service Message Dear XXXX, Customer Service Message Dear XXXX, In response to your Citibank Service request XXXX, please see the attached correspondence regarding your case., please contact Citibank at XXXX.
I wanted to know what interest rate might be to get a credit card for my mother to use for some upcoming dental work. I filled out an online application, just to see, got the interest rate information, and decided NOT to apply. I believe I did cancel the application, but the card came in the mail anyway. 
When I could n't get past all the barriers on their website, I phoned the company to CANCEL the card. The representative told me that my mother had to speak to him herself, or that I needed to send my POA documentation to them, in order to close/cancel the account. 
My mother, who has XXXX and lives in an XXXX, was NOT involved in any part of this process. 
Additionally concerning is the fact that she was turned down by another company because she has no credit history for the past 20 years or more. This company appears to have made no inquiries at all as to her creditworthiness.
I have a XXXX and Have told this company HFS at XXXX to not call me till after XXXX if they have business with me or my wife they keep calling with or about some debt from several years ago i dont even remember XX/XX/XXXX my dad passed away and i not only have this XXXX but now XXXX and take meds, sleeping is hard and when i get sleep i dont need this company HFS waking me Please get them to stop Thank you
I have been a victim of identity theft, made multiple calls to the bureau explaining to them the situation and for them to removes the accounts that do not belong to me. No actions have been taken upon my request even with proven documents. I have sent more than 5 time all the documents they have requested like ; a notarized affidavit, id, social, bank statement, and police report. Those accounts do not belong to me, If you can please remove the accounts i would really appreciated. 

ACCOUNTS NOT BELONGING TO ME ARE THE FOLLOWING ; XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
I am a resident of the state of Alabama. When the hurricane hit my state, I along with my husband experienced severe losses that will take time to recapture from insurance and hurricane relief. We can not make mortgage payments on one of our properties until it is 100 % repaired and livable. Therefore, we with to make our bank aware of this situation, and for them to send to our home by mail, as well as to our email address a complete modification package. Me and my husband should have our affairs in order no later than XX/XX/2019. There may be additional relief from the Government, that will take time.
Contacted Credit Reporting Agencies to remove the fraud alert and/or security freeze placed on my report several years ago. I contacted Equifax and spoke with a representative that stated that request to remove was done ; contacted XXXX   and spoke with a representative that stated the request to remove was done ; contacted XXXX ( no representative available, only automated system ). I tried to use the prompts but when the call ended the XXXX system stated that a fraud alert would " placed '' on my report and that they would notify the other two ( 2 ) reporting agencies. I need that the security alert and/or fraud alert be " removed ''.
I recently had a problem with Bull City Financial Solutions in which I submitted a claim to you previously. The file number was XXXX. I had an issue with the representative because the agency notified third party for me to contact the agency when I was making consecutive payments of {$20.00} to the agency each month. Since then, I had an judgement placed upon my credit report which I read by law was illegal ; if, the individual is paying on that bill. Now, my credit score have lowered because of this. On XXXX XXXX I paid the remaining balance of {$100.00}. I received a letter from Bull City Financial Solutions that the account has been satisfied. But, yesterday, on XXXX/XXXX/16 I received notification by the NC state income tax that, that payment in the amount of {$100.00} had been deducted from my refund already. So, I called the same collection agency that harassed me for the money faster than I could pay it off requesting my refund. I was told I would have to obtain it from XXXX. Imagine how I feel right now???
There is no option for my complaint. Below is my belief in wrong doing. 

I am XXXX XXXX military. As such, I deploy and move constantly. Which I have to get a new place every time, usually about every year. With that being said, I have to get my credit pulled for housing, cable/internet, power, phone etc. every single time. The general population/ consumer, do NOT have to do this as they do not move nearly as much as military personnel. I do not believe this is fair to me, nor any other military service members. Our credit is affected tremendously because of this and believe this should not negatively impact our credit. PLEASE review my credit history. I have NEVER been late on any payments, but since I have a ton of inquiries, it is hurting my credit score.
I am a senior citizen and I took out two loans with Rise Credit. The first one I paid off then a few months later I took out another loan. With the most recent loan the contract stipulated that my payments were due every XXXX of every month. During the course of my loan, I missed the XX/XX/XXXXdate and the XX/XX/XXXX due date, this was considered 30 days late. My financial hardship continued and I sought to avoid a 60 day past due status, therefore I was able to gather {$410.00} on XX/XX/XXXX the day my account was due. I knew that a consumer becomes delinquent after missing a single monthly payment. However, delinquency is not generally reported to the major credit bureaus until two consecutive payments have been missed and furthermore reporting to the credit bureaus occurs every due date/billing cycle and characterized as 30-60-90-120 in conjunction with due dates and not the literal days in a calendar. 

That is why I was surprised that when I called to make the {$410.00} on XX/XX/XXXX, the day my payment was due, Rise had already charged-off my account. My delinquency began when I missed the XX/XX/XXXX payment and even I paid on XX/XX/XXXX my account was charged off. Billing cycles by all financial standards as far as credit bureau reporting are concerned are concerned with due dates and a 30-60-90 threshold. 

Upon speaking to Rise to address my concern they stated that their policy is to charge off accounts once they become 60 calendar days past due. I have never in my life knew of a non payday loan, financial institution that allows its installment loans to charge off accounts once it reaches 60 days past due. It seems that Rise has devised a financial model to charge-off accounts prematurely to maximize profits with high interest rates in conjunction with high payments then shortly thereafter selling charged off accounts to collection agencies. 

The contract that I signed does not state anything about their charge-off policy in light of the fact that it is reasonable and overwhelmingly normative in the financial industry to charge off accounts once the reach 120 days past due. Rise deceptively choses to charge off accounts once they reach 60 calendar days, and as a result harms consumers credit who are most vulnerable and attempting to rebuild their credit as I am. I managed to pay {$410.00} on XX/XX/XXXX, all for nothing, all I gained from doing business with Rise is stress. Rise policy is not right, it is abusive, and I am sure other unsophisticated consumers are being harmed due to their intentional crafted financial model that might very well be violating financial statutes. If Rise is allowed to charge off accounts after 60 days past due, why not 30 days past due, what stops others from adopting such policy?
I made a complaint about this debt not being mine through XXXX and now it is showing on my XXXX credit reports. This debt is not mine. I do not know whos account it is. but now it is affecting all XXXX of my credit reports
I applied for the Public Service Loan Forgiveness Program. In XXXX when I was accepted into the program my loan was transferred from XXXX to XXXX   XXXX. I never received any correspondence in the mailing stating the change or that I was even accepted into the program. Last week I received a notice from XXXX XXXX stating my student loans were behind 120 days with XXXX XXXX. So I called them to see what this was referring to because I was under the impression I was still with XXXX. I was told about the consolidation and transfer of the loan. And that they were sending my correspondences to an old email address because when I had XXXX XXXX back in 2013 I was signed up for paperless notifications. I was never notified that I needed to reapply for my Income Driven Repayment Plan which doesn't come up for re certification until XXXX with XXXX. So my credit was hit very hard because I wasn't properly notified.
I had closed a rental account XXXX XXXX on XX/XX/XXXX the company report on XX/XX/XXXX the account is still open, I contact them on that day and the correction was made and reported on XX/XX/XXXX. I contact Equifax and XXXX about the matter to dispute the error, to the day XXXX  have not send my a report they actually got the removal alert and removed the account later to replace it. On XX/XX/XXXX the account and inquires was removed to only reappear on XX/XX/XXXXalso the exact same thing with Equifax. On XX/XX/XXXXI  contact Equifax about some many types of errors that was accurring on my report from inquires that have been removed then back on to accounts closed and removed to reappear, address that I never seen nor lived, my name being removed and added back. As a victim of ID theft I have lost so much faith in the credit reporting Equifax, XXXX and XXXX are crocked and scamming great americans how they are reporting, they make you believe its the company reporting I go after the lender first before even contacting them, I been fighting with thes BIG BOSSES for over three months and have gotten no where, next thing coming is to take my saving a hire a lawyer.
I would like to file a complaint against the banking institution of Wells Fargo XXXX XXXX XXXX XXXX XXXXXXXX Wisconsin, for improper representation of receiving a XXXX Home Equity line of credit. I feel that XXXX XXXX XXXX, who was the acting personal banker at the time didnt give me the detail information to make the best financial decision about this type of XXXX Home Equity line of credit for me and my family. I wanted to purchase a car and do some minor home repairs, with the majority of the loan for the car purchase. I had a meeting with top personal banker XXXX XXXX XXXX who was willing to assist me in that financial decision. The XXXX Home Equity line of credit was for {$30000.00} and after eleven years of paying since XX/XX/2007 I still owe {$23000.00}.
This company uses spoofing to contact me and my family members and have yet to contact me in writing. Their calls are harassing and annoying and they refuse to stop. They call numerous times back to back every single day.
On XXXX XXXX XXXX, i contacted XXXX XXXX XXXX in XXXX XXXX california. i filled out an online form to gain more information on a vehicle they had for sale, as i had been pre approved for a loan through my local credit union. XXXX XXXX XXXX ran my credit, causing a hard inquiry and causing my credit score to decrease. I immediately contacted them and told them that i had never applied for credit and to please remove the inquiry and they said no,.
I had a debt that was sent to collections without my knowledge. The debt collection company, CMRE, had the wrong mailing address. Then I updated my address with both the hospital and CMRE. The hospital billing department corrected their mistake, and I was reassured by both CMRE and the hospital that everything was taken care of. 

Several months later, I try to refinance my condo, and it turns out CMRE still has an outstanding debt on my credit report. I call them and they still have the wrong billing address, and I have still had absolutely no notifications or contact with them. And interest has being compiling this whole time. 

I settle the outstanding bill because I do n't have time to wait for the hospital billing department or wait for my health insurance to settle the claim, since I need the refinance with the bank. 

CMRE still has n't sent a letter that confirms deletion of the outstanding debt on my credit report and I have no confirmation that I have paid the bill in full. Other than the big charge on the credit card. 

Now that I do n't owe CMRE any money, they have literally hung up the phone XXXX, transferred me to a nonworking extension, and transferred me to their supervisor who despite leaving voice mails has never returned my calls. 

They tell me over and over again the letter has been sent, but I still have n't received a deletion confirmation letter than I can submit to the bank for the refinance. They claim they ca n't e-mail a password protected file, they ca n't fax a letter, they ca n't send certified a letter, and they ca n't regenerate the letter and send it again. 

After all this, I am not surprised I have n't received a confirmation of deletion or a confirmation of payment, since for months, they did n't have my billing address correct and I have never had any contact with them.