WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I took out a 4 year loan back in XXXX with Benefical. We fell behind early on in our payments. In XXXX roughly we settled the loan. This is still reporting on our credit reports as a negative account. I contacted XXXX today because I disputed it and it came back verified. They told me that Beneficial reported our first late payment in XXXX XXXX so it would come off of the credit report until XXXX. Ive tried contacting the company with no response. This is absolutely obsurd! How could I make my first late payment in XXXX when it was a 4 year loan taken out in XXXX, According to XXXX they re-aged our account in XXXX so it would keep reporting.
On XX/XX/2018 I done an extension on the loan and I applied a {$100.00} dollars payment that should go toward the loan balance and make the loan balance go from {$500.00} to {$400.00} dollars, the total amount that was supposed to been taken from my XXXX  account should have been in the amount of {$190.00}, {$96.00} would be the loan interest fee and that {$100.00} dollars would be applied towards the loan balance.The total amount of the loan that was borrowed was {$500.00} dollars and the interest fee was {$96.00}. Someone went and deleted payment for the {$100.00} dollars that was supposed have went towards the loan, and did not send the email for the extension that was requested on the XXXX, they went and changed the loan agreement and redone a loan for amount of {$400.00} dollars.I noticed that online when I had looked at the agreement.When I had called Cashnetusa the reps was unable to see where there was a partial payment in the amount of {$100.00} dollars requested.I was offered a payment plan and I took it, I had asked to be refunded the {$100.00} dollars since the {$100.00} dollars was never applied towards the loan.I explained to them when I had the last loan and requested an extension my balance remain the same, and the balance should have been now at {$400.00}
This company is sending me unwanted letters for a debt i do not owe. i have no knowledge of this debt and it does not belong to me. i have for the last several years been a victim of identify theft due to my social security being disclosed as part of government data breaches at the Department of Veterans Affairs and with XXXX. I've spent the last two years trying to reclaim my identity and these types of unscrupulous collection agencies are not helping.
I had a loan with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX In 2015 I had financial hardship and the loan went into default. Now I am trying to pay off debt and correct errors on my credit. Every month XXXX is reporting a late payment instead of reporting the account as a collection/charge off. They are violating the law and causing me intentional harm. According to the law this should have charged after 120 days.
Well I wrote a debt Validation and I di not receive a response according to the Fair Debt Collections Act and the fair credit reporting act. I ask them for a validation and if they did n't send the proper documents to contact the reporting agencies to remove it. I did not receive any response it has been over 30 days. I believe this is highly unfair and want something done about it.
XPN report : XXXX I recently applied for a home loan, and the lender obtained a copy of my Experian, XXXX and XXXX credit histories and shared it with me. I then obtained a copy of my Experian consumer disclosure to better understand the report. I have now seen there are a number of inaccuracies in my report. 

There are a number of items appearing only on Experian, which have long been purged as obsolete from XXXX and XXXX, since the date of original delinquency is more than 7 years ago. Specifically, these items are : ( XXXX ) tradelines from the Florida Department of Education, collection in nature, partial account number XXXX and XXXX ; ( XXXX ) tradelines from XXXX XXXX, partial account numbers XXXX and XXXX. 

There is also a tradeline from XXXX XXXX XXXX, which shows positive payment history and is reported as " disputed. '' This is erroneous and the information is not disputed. The " disputed '' comment should be removed.
after paying Experian a monthly fee to check my credit report and score, i found several items that needed attention and the most critical XXXX accounts in collections, and after talking to a customer service from experian i was told that if this collection accounts where paid and settle my credit score was going to increase greatly and that collection accounts where hurting my credit score, so immediately i stat working on getting this accounts out of my report : i was able to remove XXXX accounts and paid and settle the remaining XXXX, after paying the last accounts i contacted experian and email proof of the paid accounts ( correspondence emails bank statements etc, with the collection agencies ) and they did nothing to remove this accounts and increase my credit score, so i end up filing a complaint with this government agency CFPB, this complaint made experian angry and retaliated LOWERING my credit score from XXXX to XXXX!!!! instead of increasing my score for paid collection accounts my credit score was further damage, and i am here doing the right thing so i can buy a home but now it sims impossible i ca n't fight powerful XXXX, # 1 i sign up to monitor my credit # 2 experian is charging me to give me that information # 3 i did everything they suggested to HAVE better credit # 4 after paying the accounts in question they refuse to correct my report # 5 i file a complaint with CFPB # 6 in retaliation for filing a complaint they broke my legs lowering my score # 7 i am about to loose a real state purchase just got a few days left .... 
as you can see without someone to regulate this credit bureaus this king of abuse will keep happening now i am left with only XXXX option, contacting senator XXXX XXXX and XXXX XXXX, today XXXX/XXXX/2015 i talk to XXXX XXXX # XXXX and she told me to look for legal advice ( hire an attorney ) to represent me??? so i am confuse about the reason of CFPB existence, are they here only to hear people cries of agony ( really ) or are they here to tell the credit bureaus to stop abusing consumers and to really mean it. 
cc XXXX XXXX XXXX XXXX cc XXXX XXXX CFPB Director thanks for any help and i am here XXXX if you have any question XXXX XXXX XXXX XXXX
Equifax I have sent them documentation of police reports, federal document, dark wed usage of my personal information that has been going on sense XX/XX/2006. I requested many times that Eqifax validate to me a copy of an actual signed contract with my signature on it for XXXX XXXX. XXXX has refused to respond to my letters and faxs SO HOW CAN YOU EQUIFAX VALIDATE IT.XXXX XXXX is not a real investigation .I request actual signed contract sent to me I do not owe anything on this debt because I paid it to get if off my credit report Even tho it was not mine you are violating my rights by not sending your investigation to me or removing this from report .it is reported to the FTC also Equifax you say if I have any questions contact Vz enclosed is my tring to contact them NO LUCK that mean you didn't also
Paypal has a new scam they are doing. They have now added a immediate transfer pay option from paypal to my bank account which cost XXXX cents per transaction. I f you do not use this new transfer method then you can make a transfer using the normal transfer that takes 24-96 hours. The problem is that when you choose the normal transfer, XXXX send a pop up message reading, " the transaction now has to be reviewed by paypal because of security suspicions, and may take up to 1 hour ''. Paypal will now sit on these assets for transfer anywhere from 1 - 3 business days. They are collecting interest on consumers behalf by holding these assets for a longer period. Total new scam they have come up with. The time table that they give for review is an hour, but more that ten ( all ) have all been held for 3 - 4 business days. Not right!
File Chapter XXXX, XXXX XXXX was included in BK discharged still reporting 2 acts on CB. Submitted several disputes to all CB.  No resolve.
I obtained a mortgage modification from CitiMortgage and although I was only {$51000.00} behind in payments, the total amount of payments I would have to pay over the term of the new modified loan is over 10 times that amount ( {$570000.00} ). I was only 9 years and 8 months away from paying off my original mortgage. Now, I have 40 years of payments per the new note. This is CRAZY!!! I had no choice but to sign the loan mod or face losing my house. I spoke to CitiMortgage representatives and they could not offer any explanation. I do n't think this is a fair practice at all. I understand I am responsible for the original note/principal balance, but to be charged over 10 times the amount I fell behind does not seem fair at all. I believe Citi is taking advantage of people in difficult situations. I am out of the mess I was in and have been current on my payments. I just ca n't seem to fathom making 40 years of payments. Citi did n't offer the XXXX XXXX XXXX Program to me despite receiving government money. The XXXX Mod that they offered was an in house loan mod program and I believe it is truly taking advantage of people in similar situations. Citi should be held responsible for their actions.
Hello, i am sending you this complaint because i tried getting these inquires off my credit with Transunion and XXXX. The credit bureaus did not want investigate even after i explained that they were not authorized by me. This has been very stressful because the credit bureaus don't want me to help me. 


XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX   XXXX  XXXX ,XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX & XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX
As of today   XXXX   XXXX   XXXX  ,  XXXX  shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of   XXXX   XXXX   XXXX  .     I have received no bills, and have no idea what this is for. I have confirmed with the   XXXX   XXXX   XXXX   at  XXXX  that I owe no balance to them. That all charges that would appear as   XXXX   XXXX   have been paid and no balance outstanding since   XXXX
I am currently disputing a bankruptcy item on my Transunion credit report. This Bankruptcy belongs to my father and is on my credit report. I submitted a dispute on XX/XX/XXXX and still have not heard anything back as of XX/XX/XXXX. I was asked by an agent with Transunion to open a new up a new dispute again but, I hadn't heard anythingback from my previous dispute on XX/XX/XXXX. I'm asking why is the dispute taking so long and that incorrect item be removed from my credit file.
XX/XX/2018, Fidelity Investment risk department flagged my account and froze all securities and revoked my trading etc.. Gave ultimatum which caused me to move most of my securities ( the ones they were willing to accept ) to another firm. 

I have emailed the CEO, FINRA, SEC and the issue still has not been resolved. Per Fidelity they are not required to disclose why my account was flagged by risk management. 

This has resulted in several customer service issues because by Fidelity doing this I have to engage them for simple request and they are not willing to help/leave the matter unresolved due to my account being flagged by their risk department and whatever notes they have documented. 

XX/XX/18-reward redemption {$54.00}, requested and returned due to Fidelity not allowing the funds to be deposited. 

XX/XX/18-reward redemption {$54.00}, requested and returned due to Fidelity not allowing the funds to be deposited. 

I have also contacted the Fidelity Investments credit card department and they advised I have to contact, which leads to a run around and my issues not being resolved. The issue is tat I can't have my rewards point redeemed on my Fidelity account, which is they was it's setup by Fidelity by design. Other options to redeem include gift cards etc which are 50 % less. I should not have to take a 50 % rewards redemption loss due to this customer service nightmare has created. Fidelity investment is not following what they advertised and are intetailly making this small issue huge. Please help.
Received an advertisement in the mail from Fifth Third Bank stating a cash bonus will be given in the amount of {$200.00} for opening a checking account with qualifying activities. The qualifying activities listed on the ad state : must be opened by XX/XX/XXXX, {$50.00} minimum deposit and can not be Basic Checking, Express Banking or Private Bank products. Ad also stated the cash bonus will be deposited into checking account within 10 business days of account opening and you could open the account by visiting a branch or calling XXXX. I called on XX/XX/XXXX and spoke with a rep who confirmed the details on the ad and further stated that if I have a direct deposit of at least {$500.00}, I will receivable an additional promotion of {$53.00} and will avoid the monthly fee of {$8.00} ( monthly fee waived due to employer being one of their partners ). The {$50.00} minimum deposit would be satisfied with the direct deposit of {$500.00}. I agreed and opened the account on XX/XX/XXXX and to date have had 2 direct deposits posted to the account. I have contacted Fifth Third 4 times and was advised on the 1st call that it would be posted XXXX on the 2nd call that it would post XXXX on the 3rd call he would speak with supervisor and call me back ( never received a response ), called today ( 4th call ) and was told that the bank has until XX/XX/XXXX to deposit the funds despite what the ad said and despite me keeping my end of the bargain. This is poor customer service and the information provided on the ad and by the sales rep is misleading and misinformation. I went to a branch today and closed my account. The rep asked me why, I told her the situation and she told me she understood. Did not even offer to rectify the issue once and for all. No longer want to deal with this company, who knows what else they mislead customers about.
1 : I applied for the XXXX XXXX Prepaid Plan. After reviewing that I have signed the payment completion order, XXXX XXXX will not send my order to various issues. Also limited my 2 : I opened PayPal 's PayPal credit account, when I bought a very smooth shopping ready to complete the payment order, waiting to send my phone 's verification code to verify my personal information, I enter the verification code verification result verification is wrong, I The customer service staff who had called and consulted answered the verification code again. I repeatedly asked the customer service staff to confirm the verification code and enter the verification code. The last error was inconsistent. I think the paypal card is actually just a fake digital wallet. Unable to use, PayPal deceives consumers. Because I consult customer service, customer service can not answer, transfer topics, and finally hang up. 
I can't use PayPal credit payments, PayPal cheats consumers, and my credit report doesn't show that I open a PayPal credit account. 
I must complain about XXXX XXXX and paypal.
I am filing this complaint because transunion has ignored my request to provided me with the documents that their company has fine that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not veofly these accounts under section 611 ( 5 ) ( A ) of the FCRA thery are required to promptly delete all information which can not be verified * that ihave disputed please resolve ths manner as soon as possible thank you
Please refer to my first complaint ; Case XXXX. XXXX filed on XXXX/XXXX/2016. The nature of that complaint was against CitiBank , N.A . Briefly, XXXX changed from XXXX XXXX cards to Citibank cards. I did not want a Citibank card and advised them by phone in XXXX, 2016. Their binding agreement stated that " Even if you do n't use your card, this agreement will take effect, unless you contact us within 30 days of receiving this notice. '' There was no date on the notice, but I did receive it in XXXX 2016. I called Citibank immediately upon receiving the notice, and told them not to send a card. They sent XXXX anyway. I called Citibank and told them I did not want a card and to cancel any account. THEY REFUSED! I subsequently filed a complaint with CFPB on XXXX/XXXX/2016. 
On XXXX XXXX, 2016 I received a letter from Citibank, XXXX XXXX, XXXX Response Unit, XXXX, advising me that my name and address was removed from their solicitation lists. On XXXX XXXX, 2016, I received another notice from Citibank that a new Citibank credit card was on its way. On XXXX XXXX, 2016, I got another Citibank ( same as the first XXXX ) in the mail, urging me to activate it immediately. 
Apparently, Citibank believes that they can bully the public, and create an account using their credit card, whether they want XXXX or not. Moreover, XXXX XXXX XXXX lied in her response letter to me and to CFPB by telling us that my name and address was removed from their data base. I am aware that Citibank paid a settlement to the Federal Government of XXXX XXXX dollars for Mortgage Loan Fraud. This is indicative of their Fraudulent and Unscrupulous business practices. Now it appears they have branched out into creating unwanted accounts and refuse to delete these accounts from their database. 
I am a mother of XXXX teenage girls, I work full time to support them. I do not have time to be constantly respond to being pestered into having accounts I do n't want ; only to be refused upon request to delete such accounts.
First off, I have been a loyal customer with Walmart for 3 years. I now have the Master Card with them. My interest is too high and I have been charged way more than I was suppose to pay. My bill should have been off in FULL by now and I do n't understand why it has n't been. According too my bill statement from XX/XX/XXXX until XX/XX/XXXX I have paid {$5000.00} or more. So technically speaking my bill should have been long ago been paid for. On XX/XX/XXXX I purchased a television on the card and I paid {$1700.00}. The television had a promotion for 12 months with NO INTEREST. Well, interest was added a month after I got the television and was n't suppose to be added until the promotion expired this year. Also they claimed that I had to pay {$1200.00} before the interest charges of {$470.00} could be taken off. The television has also been paid for. So I do n't understand where this is coming from. I called the Account Manager and tried to get a clear understanding but did n't get anywhere. The manager told me that I was suppose to call when I paid my payments and tell Walmart that the payment was going towards the television. Well I was in NO WAY informed about this memo and I explained that too her. I told her that I was n't informed about this in no way ; so how am I suppose to call if I was n't informed. That 's not my fault, it 's WALMART 'S FAULT. She kept telling me there was nothing she could do. She also told me that " We could stay on the phone all day but nothing could be done. '' What kind of bank is this? What kind of customer service is here? So now my balance is at {$4800.00} and it should have been paid A LONG TIME AGO. Every time I get my bill the balance is STEADY going UP not down. I have NEVER been late on any payments and I always pay MORE than the minimum. So I feel that I am being ripped off and it 's not right. Also, this is messing up people 's credit scores to where they ca n't even get a car or nothing and it 's ridiculous.I am not the first person that this is happened too and it will continue to happen if nothing is done about it. Symphony bank is a very BAD bank to work with. Their is nothing professional about the customer service. I am FED up with this bank and something needs to be done ASAP. I would like a refund of all the money that I have invested over the last 2-3 years of having this card that was not suppose to be added or paid to Walmart. I have dealt with this company for 3 years so I know at least they should owe me money for 2 years. I would also like my credit card balance to be PAID IN FULL because, my card should have been paid for a long time ago. I would also like my credit scores to be fixed as well. Thanks for all your help and once again please fix this problem!!
I purchased a home on XXXX of XXXX. As of XXXX/XXXX/XXXX, Freedom mortgage had acquired the loan. Shortly there after, I noticed the mortgage was not reporting to any of my credit reports. I called in and they told me they had to wait 60 days per law and it would report when that date was up. On XXXX, I again checked my credit reports and noticed the mortgage was still not reporting. I once again called freedom mortgage and they said they do not report until the XXXX of the month. My mortgage would be reported on XXXX XXXX. On XXXX XXXX, I again checked my credit reports and noticed the mortgage was still not showing. I again call and they told me it had been reported but must not be showing yet. I waiting a few weeks and checked again. Still no mortgage reporting. I once again called Freedom mortgage. They now tell me it will not reporting until XXXX XXXX. I am getting the runaround and this needs to stop
My mortgage was with XXXX XXXX XXXX. XXXX XXXX XXXX previously modified my mortgage but in 2016 they adjusted the payment higher which caused me to miss two payments. XXXX XXXX XXXX then transferred my mortgage to Ditech who agreed to modify my mortgage again and bring the payments back to where they were before XXXX XXXX XXXX 's increase. The problem is that after Ditech modified my mortgage, they never updated the mortgage to current. Even though Ditech never reported on my credit report, they serviced my mortgage as if the modification ( with the exception of the payment ) was never completed and as a result, when Ditech transferred my mortgage to XXXX, they reported my mortgage to XXXX as 90 days late when in fact I was 30 days late.
I mistakenly provided the Routing Number used for Wire Transfers with my bank. I called XXXX XXXX to try and obtain simple answers. I spoke with a gentleman named XXXX that stated he was the most Senior Customer Service Rep within the Agency. He was extremely insulting and rude. He continually stated he was sorry for hurting my feelings. He then continued to repeatedly insult me over the phone when trying to answer simple questions. He stated that after my funds were returned to them i would no longer have a loan. This is troubling because i was approved for this loan. I was under the assumption that a decline was an adverse action i would need to be notified of. He continuously insulted and rudely answered the question with. I wo n't tell you anything else until Wednesday. I can tell you the loan is not yours anymore was stated after going back and forth with simple questions. I was unaware that XXXX had the ability to take away a loan I 've been approved for over my questions. This company also does not even require representatives state their name when answering calls. I had to prod and continuously ask XXXX for his name. XXXX XXXX was unable to provide a confirmation number for the now supposedly declined loan i was approved and signed loan documents for. 

He also continued to refuse to answer questions about company policy and refused to help highlight where within my loan documents it states that if the loan is returned i can no longer have the loan. He was also unable to tell me if i will need to re apply for the loan by resubmitting my application for decision? 
I was also told that applying for the loan would require an inquiry on my credit, but XXXX stated that my credit was never pulled in the process of applying for the loan. That 's very concerning as I would hope a Financial Institutions most senior employee could highlight and answer my simple questions.