WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/XXXX ESCALATE THIS TO YOUR XXXX DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX SYSTEM YOU MUST READ ALL DOCS 1. Old address on page MUST BE REMOVED 2. OLD AND CLOSED ACCOUTS DO NOT HAVE HIGH BALANCE SEE XXXX FOR HIGH BALANCE OF XXXX AND PAYMENTS OF XXXX MUST BE REMOVED. MUST BE DELETED VIA COURT ORDER PAGE XXXX CHAPTER XXXX XXXX. XXXX XXXX BALANCE IS INCORRECT 4. XXXX BANK BALANCE IS INCORRECT 5. XXXX BANK BALANCE IS INCORRECT XXXX XXXX IS A CLOSED ACCOUNT MUST DELETE HIGH BALACE AAND PAYMENTS 7 XXXX CHAPTER XXXX SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER 8. XXXX XXXX MUST BE REOVED DO NOT SAY VERIFIED NOT AUTHERIZED 9. XXXX BANK INQUIRY MUS BE REMOVED 10. XXXX MUST BE REMOVED DO NOT DSAY VERIFYED DO NOT PLACE FRAUD ALERT ON MY CREDIT
I received a call from Ace Cash checking a few days before the XXXX of XXXX stating that Maine law prohibits them from doing the loans anymore The lady stated that I had to pay my loan amount by XXXX XXXX and threatened me with collection before I was even do. I stated that I was only expecting to pay the XXXX and that I have a new job and I would n't receive a paycheck until XXXX. The lady on the phone told me to make sure i reached out to therm and that it will go on my credit report. She also told me that she would n't have a job because her and her coworkers had been laid off. I Received an automatic bank draft of XXXX on XXXX and when I tryed to call and resolve the female offered me no resolution and stated I signed a document and the could do it when they wanted to. I had no choice but to stop payment and close my account.
Hi, today XXXX XXXX I called customer service of Capital One to ask them to remove the {$25.00} late fee that unfairly has been charged to my account even I paid on my due date ( XXXX XXXX ), The associate told me They were unable to do it due to the " system '' - I asked to speak with someone else and I spoke to a manger ( I do n't remember names ) but the same negative response. They say I have to pay within their time frame, and that this time they wont be able to do it ( I know they have waived other time XXXX sound like this time they want me to teach me a lesson ; and they did want to do that simple thing. 
I think their system should remove any late fee automatically when is paid on your duedate or at least XXXX no make a hard time to good paying people so why in the world they dont want to wave it? It totally unfair
Debt Collector reported negative items on my credit files. As they should be under the XXXX XXXX XXXX Charity program.
I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good  XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,    2017  {$40000.00} Good This account is paid in full.      XXXX  Last reported :  XXXX   XXXX ,    2017  {$7500.00} This account i s 7 years old an d should have been deleted.      XXXX   XXXX    XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017  {$3000.00} In Collections/Charge-off
I 've submitted several certified letters to all  XXXX  credit Bureaus about inquiries that I was unaware of listed on my Credit Report as of today I still have n't gotten a response. This situation is affecting my process of purchasing a home. Please instruct me on what I should do next. I 'm looking forward to hearing from you soon.
I have a settlement agreement with chase and have been very good and on time with the agreement until the last and final payment. 
I recieved an alert XX/XX/2018 that chase will apply the last payment on XX/XX/2018, instead of XX/XX/XXXX, a week early as agreed.i called them directly not to do it coz I dont have enough funds that time, and that funds will be available on the XX/XX/XXXX as agreed.chase said ok, I just need to call my bank not to pay it and to my understanding that they will re deposit the check as sched XX/XX/XXXX.i was waiting for the final payment check to be cleared after XX/XX/XXXX, but no-they sent it to collection agency XX/XX/XXXX without the courtesy of calling or even answering my calls. 
I am not the type who do this report or complain, I tried so hard despite my having some financial difficulties to pay my dues, but being penalize for the stuff They pretty much have all the control sucks!
XXXX was my loan servicer provider for almost 4 years, my loans were consolidated before I started to make payments, and Ive been making consecutive on time payments under an IDR plan ever since. I applied for PSLF ( Im a XXXX XXXX XXXX ) and I got into the program, so my loan was transferred to XXXX on XXXX, XXXX. As soon as my loans were transferred I received a letter welcoming me to XXXX and to let me know that I was going to be receiving a letter stating how many payments were going to count towards my forgiveness. I never got the letter, but I did noticed on my statements that my loan was showing in two parts, the subsidized and the unsubsidized portion. The subsidized portion showed 0 payments and the unsubsidized showed 44. I did not understand why was that happening so I called them and they were not able to tell me the reason, so they submitted a review for my account, I called them once a month for a whole year and they told me that it was taking longer than usual to review the accounts. I finally got a call from them on Monday, XX/XX/XXXX they wanted to let me know that the review was ready and that the number of payments remained the same, but they were not able to give me an explanation. I didnt got a letter or anything from them. I still dont understand what is happening, I have all my payment history and my bank statements showing all the payments and it makes no sense to me that if the loans are consolidated they have a different number of qualifying payments.
there was a fraudulent credit inquirey from one main financial. i filed a claim with you and the matter was resolved as fraudulent inquirey and was to be removed. you have the letter from one main financial in their reply to you. it is STILL on my credit report. I need it removed immediately please.
I really dont know but if they have my signature name and birth date.. it wont match mine ... theres a XXXX XXXX XXXX using my identity.. my name is XXXX XXXX
I have been a vicim of id theft ive never been to this hospital nore is this my bill I have never recived and bill from them to dispute charges just showed up on my credit report and i called they couldnt provide me any informations about what this was or any treatment given anything.
Ingo money has closed my account for no reason. When I asked, they replied I have violated terms and conditions. I questioned what part of their terms & conditions I allegedly violated. I received no response. 

I have never presented ingo money a check for processing that was returned, unpaid, or any other issue. All checks I have presented for cashing cleared perfectly. 

Ingo money is punishing me for no violations.
Me and my husband opened an auto loan with Regional Acceptance Corporation XX/XX/XXXX and purchased a XXXX Pontiac Solstice for {$12000.00} at XXXX a month. We have previously paid a few payments late but have been catching up everything here in the last few months. We noticed that our balance has changed but {$1000.00} dollars and our payoff is more than what we purchase the car for. I have asked someone from Regional to call me and give me a break down of our payments and how it affects the interest and principal but no one has contacted me yet. We have paid almost {$10000.00} towards this vehicle and it should be about paid off but instead our balance has n't moved yet. We desperately need some assistance on how to file a complaint because I believe we will never get this car paid off as long as we are will this auto company. Please help us!!!
This company is reporting that I owe a balance of {$710.00} and I do not. They continue to report on my credit and this information isnt mine.
property sold and current owner did n't but has now paid taxes but it was applied on my credit report as a ta lien by XXXX county
I have requested multiple time that my mortgage servicer create an escrow account for me. I have provided all of the information they need both by email and by fax. Every time I call, I have to hold for a minimum of XXXX minutes and more typically XXXX minutes before I ever speak to a human. Then, when a human does finally answer, I often get mysteriously disconnected despite calling from a landline that I NEVER have issues with otherwise.
On XX/XX/XXXX, I was charged a $ XXXX monthly service fee on my money market account. I called XXXX XXXX on XX/XX/XXXX and asked for an explanation as I thought I could avoid the fee by having an XXXX checking account. The website for the money market account says you can avoid the fee with a {$1000.00} min balance or having a " qualified checking account ''. There are no further details on what defines " qualified ''. The phone banker told me she would forward to other staff. On XX/XX/XXXX, XXXX XXXX ( banker at XXXX ) reached out to me via a secure messaging site. XXXX said the {$12.00} would be refunded, but I was mostly concerned about the error on the bank website. Over the course of a few days, I was pointed to different disclosures that supposedly contained the verbiage on what a " qualified checking account '' was. XXXX via XXXX could never provide any documentation. As a result, I feel many others have been incorrectly charged by XXXX. 

Please see attachments for message exchange and disclosures made available to me via XXXX or their website.
Did a money transfer to a person that I have sent money to before. They gave me a tracking number which I sent to the receiver. Two days later, they sent me a cancel of the transfer? I have called several times and they will NOT give me a reason. I asked tot talk to whoever makes decision and they are protected from giving a reason for the decline and cancellation. I tried several times and they will not even tell me why? I am thinking to send again, but why waste my time?
I supposedly have two files with equifax as per equifax representative. 
The equifax is reporting my charge offs and negative information on my credit and have removed every positive account that was being reported. 
I would like Equifax to update the info and have my current and correct account showing on my credit file. 
Currently equifax is showing XXXX XXXX CHARGED OFF BALANCE {$3900.00} ) XXXX XXXX XXXX CHARGED OFF BALANCE {$3400.00} ) ( XXXX XXXX XXXX CHARGED OFF BALANCE {$1900.00} ) ( XXXX XXXX XXXX BALANCE {$1100.00} ) ( XXXX XXXX XXXX XXXX BALANCE {$100.00} ) These accounts are not mine and were written off as ID theft.
please find attached the letter from the creditor for which they have approved of this account being inaccurate reporting. please help me to have XXXX and experin to remove this inaccuracy from the credit reports
XXXX XXXX, of Brennan & Clark Ltd., told my receptionist that they are going to take over my bank account, and that was going to drastically affect " her '' paycheck. He also asked her if we ( my company ) were closing up the business or taking out bankruptcy. 
I thought this was illegal? He has no business telling anyone about " my '' business. 
Not only are they harassing me and my employees, but the amount of the debt was in dispute with the person I owe this money to. We have resolved the issue and they have worked out a payment plan with me.
On XX/XX/XXXX a representative from JPL Recovery solutions contacted my employer regarding garnishment of my wages. However I had yet to receive a letter from JPL Recovery Solutions regarding this alleged debt.

On XX/XX/XXXX, I contacted JPL Recovery Solutions and requested a Validation letter regarding this debt so i could review it. When I spoke to the representative from JPL Recovery Solutions I specifically asked that my employer not be contacted since I can not receive phone calls. I was told the first call was for verification of income only. 

However I was informed by my employers payroll department that a XXXX XXXX from JPL Recovery Solutions had called them again this morning. 

It appears they have ignored my request regarding my employer.
I XXXX XXXX XXXX is disputing inaccurate information on an previous account with Bank Of America. I had the account bank in 2012 but I did n't attempt to transact with an account in any way. I had my Identity stolen from me at that time. I reported Identity Theft to all. Please help Contributor : Bank Of America Contribution Ref # : XXXX Bank Routing # XXXX Account # XXXX
On XX/XX/2018 I requested my free annual report from Equifax using XXXX. I filled in my personal information and answered the security questions. I then received a credit report for someone else. Looking at the report I noticed that we have the same last 4 social security number. I am attaching a copy of the report I received. This is not me. 

My concerns are ( 1 ) I was not able to get my annual credit report and ( 2 ) I was given someone else 's personal credit report without their permission.
Chase notified me by a telephone call that my account was overdue by two months. I immediately made the payment owed plus the late fees and contacted them because my paper statements stopped being delivered to my mailbox. I was told that I opted for paperless billing several months before. I explained that I do not remember doing this, nor would I ever have done this as I have a memory problem that I see a XXXXXXXX  for. I explained that I have not been late or defaulted on any debt in my XXXX years and that this was clearly a mistake and their reporting my being late by two months was adversely affecting my credit score and the rate I am getting on a mortgage I am in the process of obtaining. I was told that they do not give courtesy adjustments. I continued to explain that I would not willingly switch to paperless billing due to my memory problem that I would gladly submit a letter about from my XXXX. The fact is that I need the statement to remember to pay the bill. Chase and other lenders employ a deception practice of phrasing questions when you log in online that result in you turning off your paper statement generation when you really do not want to. This is unfair, deceptive and should not be a pop up question every time you log into your account. It should be an option you select, not a question you answer. I would like Chase to review their practices with the understanding that their pop up question can be confusing for many customers and can result in the ruining of one 's credit. Again, this should not be a pop up question when you log in that serves no other purpose than to save Chase money on postage and paper.
I am still having a problem with the servicer of my mortgage loan, Select Portfolio Servicing. I filed  a complaint against them a couple of months ago because they were not working with me and refused to conduct a review of my current financial circumstances to determine if my family qualified for modification help. After I filed the complaint they conducted a review, but they recently sent a letter saying we did not fill out one form, the XXXX properly so the review is cancelled and we are denied and now we are going to sell your house. They have set a sale date for XXXX XXXX. We have appealed the denial and dont understand why the failure to complete one form properly means we are kicked out of review and told we have to start over. It is unconscionable and it is an example of how SPS treats their customers and their unethical foreclosure practices.
This is a predatory high interest ( 8.6 % ) adjustable rate loan. I have been trying to negotiate a modification or restructured loan for quite some t
ime and thought that SPS was finally going to work with us until we received this letter. We are back on our feet ; my fiance lives with me and is working and my son who lives with us is also gainfully employed. We submitted all of our paperwork several months ago with the expectation that there would be a review of our financial information. But nothing happened until we filed complaints and got our Congressman involved. SPS acted like this was a priority and then sent us a letter that our application had been denied because we did not properly complete the XXXX form. I sent in a written appeal and the form but they have not reactivated our review and have set a foreclosure sale date for XXXX XXXX. This is outrageous.
Bull City Financial is continuing to report a item on my XXXX report that is fraudulent. The item is currently under investigation with the FTC, yet Bull City is still attempting to break FCRA guideline by reporting the fraudulent item on my XXXX  report.
I have in my report and address that have no relation with me ' '' ' XXXX I have never live there,,, still get call and people that apply using my information on that state
This complaint is against Trans union and not getting proper customer service. I wanted assistance with removing old student loan account which no longer belonged to me on the account they were all sold and the statue of limitations has passed. I was told by a rep. that the 7 year limitations did not apply to the items listed on my credit report. I asked could i speak with a manager. After I was connected to a manager I explained the issue and he hung up in my face.
I only ever had 2 student loans. The loans are showing 4 times. They have also been sold a few times and no longer belong to me under the account names nor do I have any agreement with any lender. I would simply like them removed.
I have attached the accounts and the tenure of the allotment by Trans Union to stay on my credit report over the 7 year limitations.
I also had to call a different number for Trans Union that was not listed on the website but given to me a by rep. I felt uneasy and not sure if i would become a victim of identity theft.
XXXX I am requesting the items removed : XXXX XXXX XXXX  Closed : XX/XX/XXXX XX/XX/XXXX ( 8 yrs, 4 mos ) + {$0.00} Closed XXXX Closed :XX/XX/XXXX XX/XX/XXXX( 8 yrs, 4 mos ) + {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX XX/XX/XXXX ( 7 yrs, 5 mos ) + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  Closed : XX/XX/XXXX XX/XX/XXXX ( 7 yrs, 5 mos )
I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( XXXX, XXXX and XXXX ) caused by Navient/ Navient Solutions ( formerly known as Sallie Mae ). They are currently reporting an account and associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that Navient/Navient Solutions ( formerly Sallie Mae ) is  currently in violation of the FCRA as described below : Per FCRA 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of Navient 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( XXXX, XXXX and XXXX  ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that Navient ( formerly known as Sallie Mae ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the FCRA.
XXXX XXXX 2017 there was two trial deposits from SIMPLE to link my accounts together so I can do a transfer from my external account SIMPLE ( which is still handle by the same bank ) to pay the overdrawn amount of {$9.00}. My external account SIMPLE is partnered with BBVA Compass Bank ( which is the same bank I am having an issue with that handles my other BBVA Compass Bank checking account. ) The trial deposits were sent from SIMPLE and when they attempted to get the trial deposits back on XXXX XXXX 2017 that is when BBVA Compass Bank that holds my other checking account charged me a NSF fee. The whole purpose was to make a transfer to pay the overdrawn {$9.00}. The trial deposits amounts {$0.00} & {$0.00}, NSF Fee {$38.00}.
XXXX, XXXX, and XXXX are reporting on my credit report and Experian has investigated and told me to reach out the company reporting. I haven't heard back, violation of FDCPA/FCRA and I do not recognize the accounts. It's been past the 30 days allowable timeframe and experian is still reporting the accounts, which is in violation of FCRA. They also recently reported this account XXXX and I had no knowledge. This is unfair reporting and not accurate representation of my situation.
My credit card accounts was close for no reason. I have been a customer for over 20 years and this is absolutely ridiculous.
I paid my credit card balance of {$2600.00} that was due on XXXX/XXXX/17, one day late on XXXX/XXXX/17 by mistake. I have accidentally done this in the past during my 5 years of membership at American Express, and as long as it was only a few days, they said not to worry about it because I have been a loyal customer. 

This time, they charged me a {$27.00} late fee on XXXX/XXXX/17. And then, they charged me {$290.00} on XXXX/XXXX/17 for interest expense! For paying a balance of {$2600.00} ONE day late, I was charged {$290.00}, implying an annualized rate of over 1000 % APR! 

They explained to me that if I read the fine print, they calculate it based on my rolling balance since the closing date of my last bill too, but that just makes no sense because I was n't supposed to pay that new balance until XXXX XXXX. Even if it 's in the fine print, it 's very clearly just abusive and they could n't even still explain to me how they got to the interest expense. If they ca n't figure it out over the phone and that is their job and have to get back to me on how they got to that calculation, how am I the consumer supposed to be able to figure that out?! 

So in total, I am paying {$310.00} for paying a {$2600.00} bill one day late, when I have been a customer with XXXX for over 5 years that has never defaulted on a payment and have an excellent credit score of XXXX.