WillisBack/dataset-financial-user-claim huggingface dataset:
I open opened this account XXXX/XXXX/XXXX while I was in the store checkout and the cashier stated she could get me approved for a credit card. I told her no several times but she insisted and I felt coerced into giving her my drivers license upon which she said it would not run against my credit. It would only be a soft pull she just wanted my ID to type in the name and my drivers license number. Well upon a pull of my credit report the hard pull was on my account! The instant approval and she put the items on the card, which was {$60.00}. I did n't get a statement that month of course because it was the end of the month and so I did n't receive a statement. I took it upon myself to go into the store and make a payment on my own XXXX/XXXX/XXXX for {$30.00} XXXX {$27.00} scheduled payment ) then on XXXX/XXXX/XXXX paid {$38.00} XXXX which would have paid off the entire debt ). I .. all payments were reported as paid. Until XXXX stating I was 30 days late, which is not true. 
On or about XXXX/XXXX/XXXX I called your customer service number to discuss this matter with no resolution, then again on XXXX/XXXX/XXXX when I spoke with XXXX who assisted me with obtaining the information to follow up to correct this error. I was assured it would be handled but when I disputed the entry on my credit report it said you verified the information to be accurate. If you look at the account you will see the reversal of late charges and my account is now also current and has a credited balance. 
Please make this correction so that it will not continue to adversely affect my family and me. This oversight and error has cost me harm and credit denial. This needs to be rectified immediately. I was told the account was to be paid on XXXX/XXXX/XXXX and payment was not credited until XXXX though I received not payment for the month due to paying more. THAT IS NOT 30 DAYS late.. These erroneous late fees which have been reversed due to this error is what would have been late because I no longer owed money for any merchandise.
" " '' I have disputed this collection on this XXXX XXXX   XXXX  for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I have 2 XXXX XXXX XXXX XXXX tradelines that are showing as negative. Both are installment loans and both are confirmed last paid in XXXX with dates of last activity of XXXX as recently as XXXX. XXXX/TRANSUnion/XXXX have willfully and knowingly let this creditor RE-AGE THIS ACCOUNT which is illegal. 

Both of these accounts are STILL showing on my Credit Report after 8 years of date of last activity. Additionally, they will not respond to any letters by US Mail requesting debt validation with specific dates. They have over 30 days to respond and letter sent out over the past 4 months have gone unanswered. 

I need XXXX/TransUnion and XXXX  to immediately delete this accounts or risk immediate state and federal lawsuit for financial harm and willful/deliberate violations of the Fair Credit Reporting Act. How can these powerful, multi-billion dollar profitable companies have more compliance and hire personel to monitor and now allow for tradelines to re-age very very old tardiness. These credit bureaus are completely liable. 

I have already filed a complaint with the Florida 's State Attorney Office and have already been in contact with a Law Firm ready to file legal action against these 3 credit bureaus. 

Regards, XXXX XXXX
My problems started when my mortgage company Carrington Mortgage Services LLC returned my XX/XX/XXXX payment. I called when I saw it was returned to my bank account and immediately may the XX/XX/XXXX payment in or on XXXX XXXX. The payment was not debited for 7 days I made the XX/XX/XXXX Payment in or around the XXXX XXXX. 
They are threatening me with Notice of intent to foreclose by mail and certified letter. They are holding one full payment not partial payment in Unapplied funds. I made both payments with a representative on the phone with Carrington and followed up on the phone. 
I feel they are pushing me to foreclosure and not accepting my payments
I am in the middle of transferring balances and consolidating bills. I requested a credit line increase to see if I could get more credit available in addition to the {$3000.00} I already had available. XXXX denied the request and in turn lowed my credit limit. I worked very hard to pay that card down and to use that credit again for balance transfer. This in turn hurt my credit because the credit utilization ratio increased from 30 % to almost 100 % literally over night. Because I am in the middle of balance transfers on other cards, my debt may look higher then normal. XXXX stated it was information from XXXX that they made that decision. XXXX has literally set back my progress to a XXXX or above credit score. I have NEVER missed a payment. I have NO Bankruptcies or major derogatory of any kind. I feel this is an unfair practice to allow a credit company mess with your credit utilization without have a valid reason to do so..like being over the limit or missing payments. XXXX customer service was of no service to me. Why are they punishing people that pay on time?
I applied for a CitiBank credit card so that I could earn money back and received one with {$3000.00} limit, the end of XXXX. I used it a couple of times and the total was {$97.00}. On XX/XX/XXXX, the card was put on hold. When I called, they stated it was due to my social security number being incorrect and I needed to verify it with a form. I did not understand, so I asked to speak to a supervisor. The supervisor stated that it was a normal procedure to have the social security number verified and that a form would be mailed and once verified, the card would be re-activated. I received the form, filled it out completely, mailed back all pages plus a copy of my social security card. Some weeks later, I received a letter stating that they could not verify the social security number and to please call. I called and they stated that I was missing a page, the second page. I had read the forms in its entirety and knew I had sent the forms back in correctly. With all the frustration, it wasnt worth the card, I stated that I would just like to cancel the card. I was informed that I could not cancel the card without verification of who I was. My question to them is, you wont take the card off hold because you say you cant verify who I am. Im now requesting the card to be canceled, but you cant cancel the card because you cant verify who I am? It does not make sense. They stated that they would re-send the forms and once verified, I could cancel the card. I received the forms, called them to ensure that I completed everything and included all pages as requested. Completed forms, placed ALL pages I received back into an envelope and mailed back off. Then on XX/XX/XXXX, paid off the balance of {$97.00}. On XX/XX/XXXX, I received an alert from XXXX XXXX. The credit card from CitiBank was now showing on my credit report and Transunion showed that I had a {$0.00} balance. Today, XX/XX/XXXX, I called back to Citibank to verify they received the information requested. They informed me that they did, that they received it on XX/XX/XXXX, but that it was missing the second page. Now, I dont know who is eating the second page, but this is the SECOND TIME I have mailed in the information, even contacted them the second time to ensure that ALL information and pages was included and still Im getting that they did not receive all paperwork. This is ridiculous. I cant have a card activated because they say I cant prove who I am, yet I cant cancel the same card that is ON MY CREDIT REPORT, because they cant prove who I am.
Amongst other things Santander Consumer U.S.A. incorrectly reported my credit information to the credit bureau damaging my credit and delaying my home purchase in Colorado due to the destruction of my credit rating. Once the problem was identified Santander Consumer U.S.A. failed to submit the correct information to the credit bureau and refused to provide a simple email to mitigate my losses due to the inability to relocate. Santander Consumer U.S.A. routinely forwarded any over payments above the required payment amount to the next month reducing the next payment enabling them to continue to charge daily interest against principal monies I had already paid. Santander Consumer U.S.A. performed collection actions against me using auto-dialers that would call me up to five times a day beginning sometimes before my payments were even due on the XXXX of each month. Santander Consumer U.S.A identifies itself as a collection agency. and charged me " speed-pay '' charges in the amount of {$10.00} for each and every telephone payment I made in a cooperative arrangement with XXXX XXXX for a period of no less than 7 years. By charging these collection fees Santander received violation of the Fair Credit Collections Practices Act and the Telephone Consumer Protections Act. When I complained to both the CFPB and disputed the information provided by Santander to the credit reporting agencies, Santander provided misleading financial summaries and made disparaging statements about me to discredit my claims of illegal and deceptive business practices. Please refer to my first complaint # XXXX. Please review the attached documents, and letter explaining in the detail the damages caused to me by this corporation. I have also forwarded a copy of my earlier complaint to the CFPB and copies of the letter attached in an simultaneous consumer complaint to the Ohio State Attorney General XXXX XXXX for his assistance in this matter.
my loan had been resently sold to nation star mortage, my previously lender was freedom mortage. the loan was sent to nation star XX/XX/XXXX.Ever since then my ecrow has been short, they are staying that my escrow account is now short XXXX and they keep giving me the run around to way my account is short. It went from being short because of school taxes, to our XX/XX/XXXX real states being deliquent etc. Everytime my wife calls they keep giving her the run around to why it is short, My wife recently went to our school district and our brough to get copies of the checks and everything that was paid up and it is still not adding up. most importantly i am escrowed. then i recently tried to submitt my mortage payment and i was able to submit is but they put it in a suspended account claiming it wasnot enough to cover the mortage which it was it was my normal payment of XXXX, they claim i have to pay XXXX not the XXXX because i have to cover the shorteage in the escrow account. they never not once sent any documentation explaining abour the escrow being short and nothing explaing that now we will have to pay the XXXX for the next XXXX months.
XXXX   XXXX  reported that I paid my mortgage 30 days late, when in fact if was only 29 days. They refuse to remove it from the credit bureaus.
I signed up for American Platinum card with XXXX Membership Rewards points bonus after spending {$3000.00} in the first 3 months. The spending requirement was met, all spending are legitimate, no Manufacturing Spending, the XXXX points was posted to my account. Once the bonus posted I then closed this account. A few weeks later, the bonus was removed from my account for no reasons, the online forum suggested that maybe due to the American Platinum credit card account was closed " too soon '', however there are not wordings at all in the Terms & Conditions that the account MUST be opened, I have all the rights to close the account any time. I am requesting the XXXX MR points to re-post to my account.
My name is XXXX XXXX. I have an account with XXXX XXXX. I received notification from them on XX/XX/2018 that there is a new collection account on my equifax report for which I have no knowledge. The Company is Cavalry Portfolio Services. I have not been contacted by any means and totally dispute the validity of this alleged unless and until I am provided with proof of the debit and the opportunity to verify or dispute I am requesting that this negative mark immediately be removed from my XXXX   Credit Report. I have not contacted Cavalry but have disputed with XXXX.
On XX/XX/XXXX I was informed my loan was going to transfer servicing companies. I made my XX/XX/XXXX payment on XX/XX/XXXX and was assured it would be forwarded. The agent at XXXX XXXX ( the investor ) XXXX XXXX also told me that my loan was current although my XXXX payment hadn't been received yet ( it was still XXXX so not over 30 days past due ). 
In early XXXX I received a few documents from XXXX XXXX dated XX/XX/XXXX and a temporary payment coupon for approx. {$910.00} for my XX/XX/XXXX payment. I called to confirm as I had over {$400.00} in a suspense ( unapplied funds ) account. I was then informed that they did not have my XXXX or XX/XX/XXXX payments and I was considered to be in default and as such were invoking a 36 % default rate. I sent XXXX XXXX an email and left 2 voice messages and received no response. I called XXXX and they referred me back to XXXX stating their contact, XXXX XXXX ( XXXX ) would be in contact with me. I explained to XXXX the problem, I was in default and every payment had been made. He told me in XXXX there was $ 400+ in unapplied funds but was not able to see the funds at the current time. Since then, the XX/XX/XXXX payment has been applied. The XX/XX/XXXX payment still has not been applied nor have my unapplied funds in suspense been recovered. That amount would have more than covered the shortage for XXXX and XXXX which totaled less than {$100.00}. XXXX XXXX requested my bank statements proving all payments. I sent the statements redacting only the dollar amounts for other debits and credits not related to the mortgage. Today, XX/XX/XXXX he sent me an email stating they cant be redacted as they have to see ALL my credits and debits regardless of what they are for. That is my personal information ands not related to the payments for the mortgage. I closed this loan in XX/XX/XXXX and my first payment was due XX/XX/XXXX. In XX/XX/XXXX the servicing was transferred and I made an additional payment in case it was my XXXX payment was lost in the transfer, it wasn't. In XX/XX/XXXX I skipped a payment as I was 1 month ahead due to the additional payment in XX/XX/XXXX. I also made over payments in which the funds were to be applied to unapplied funds ( suspense ) which is now unaccounted for. 
I am attaching my bank statements in the same format as I submitted to XXXX. I have not missed a payment nor am I in default. I also would my unapplied funds returned. 
I will be refinancing this loan at my earliest convenience.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW is the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open : XX/XX/2017 Balance : XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2017 Company : XXXX XXXX XXXX  Date : : XX/XX/2017 Company : XXXX XXXX Date : :XX/XX/2017
I am unable to access my eBay MasterCard credit card account online. I have called multiple times to PayPal and eBay to get help and am transferred to multiple operators and back and forth to eBay and PayPal without resolution.
Ally Financial continues to call me several times a month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to collect on a debt that is the responsibility of my ex-wife. They have called my acquaintances asking about her and asking to collect on her debt. I have explained the situation to them many times and asked them to stop harassing me and friends of mine. They are very rude, hostile and abusive. <P/>I never signed a contract for this loan, it was completed by my ex who has lived in a different state for several years. Ally did not do their due diligence in approving a loan without my consent, signature or knowledge of the loan. They did not question the identity of the person who signed the loan.
My brother and I located an ad on XXXX offering discounted airfare. Contacted the ad, was advised that they could book our airline tickets at a discounted price. The other person booked our air, provide us with confirmation numbers, I even called the airline to verify. 

My brother thought it was ok since we had proof of our tickets. He wired {$5200.00} to the receipents bank. Two weeks later XXXX out of the XXXX tickets booked were canceled per the airlines due to fraud. I then contacted my bank and the receiving bank. The receiving bank advised to file a recall wire transfer, we did so. Plus the receiving bank wanted an indemnification agreement. Our bank refused saying that our situation was not classified as fraud. It is fraud. I have police reports as well as fraud reports to prove otherwise. The gentleman who took our payment for the airlines basically laughed at us telling us there was nothing no one could do even the fbi
My case for X/X/2010 should not even be on my record at all anymore for anybody to see. I was told in court that it would be gone and nobody would be able to see it anymore and XXXX XXXX was also pulled up on my background check and should not even be on there. This is causing me not to be able to get my job and it should n't be on there.
THIS ACCOUNT E MONEY USA APPEARS ON MY CREDIT REPORTING. I NEED THIS DELETED ON BOTH XXXX  AND XXXX. I NEVER HAD AN ACCOUNT WITH THEM. LOOKS LIKE IT IS OPENNED SINCE 2015 AND STILL SHOWING. I ASKED THEM TO VALIDATE THE DEBT THAT DOES NOT BELONG TO ME. IF NOT TO DELETE IT FROM BOTH REPORTS. I DO NOT KNOW WHAT TO DO ANYMORE. IT HAS BEEN IN DISPUTE FOR A LONG TIME. PLEASE HELP ME, YOU HAVE HELP ME TWO TIMES BEFORE AND I THANK YOU. COMPANYT IS EMONEY USA ADD-XXXX XXXX XXXX XXXX # XXXX, XXXX, KS XXXX TEL # XXXX. 
I HOPE THIS CAN BE DELETED AND ALL DONE. HELP ME ....
On XXXX XXXX, I was notified by my home flood insurance carrier, XXXX XXXX, that my flood insurance policy has expired. The policy has expired because my mortgage company OCWEN mortgage has not paid the policy out of escrow ( as they 've been directed to do and as they 've done in the past ). In talking with XXXX, the agent mentioned that this is a standard of practice- that several mortgage companies will wait until the grace period deadline to pay. His statement was that OCWEN is notorious for waiting until the last minute. That means- if I have a flood anytime until the policy is paid, I am not covered. This is unacceptable- and should be criminal. OCWEN says they 're unable to pay because they have not received the invoice from XXXX. XXXX says they 've faxed the invoice several times- 60 days, 45 days prior, XXXX XXXX and XXXX XXXX. The XXXX agent mentioned that he has noticed that XXXX in the past 18 months- is constantly changing e-mortgage clauses, fax # s and PO boxes. This seems to be a convenient method to deceive customers and avoid responsibilities. It also signals to me that OCWEN may not be solvent. I 'm continuing to work with both OCWEN and XXXX and hope to resolve things sooner than later. I think OCWEN is utilizing deceptive business practices and I request an investigation.
My name is XXXX XXXX Property address is XXXX XXXX XXXX, XXXX, CA XXXX My loan # XXXX XXXX XXXX My mortgage servicer is Rushmore loan management services , LLC Point of contact at Rushmore is XXXX XXXX XXXX ( XXXX ) XXXX last year I lost my job and got legally separated with my wife that's another income that I lost but now I have a good job and I work XXXX too, so I applied with KEEP YOUR HOME CALIFORNIA ( its a government help program ) and I got approved with them to reduce my principal and that was on Tuesday, XX/XX/XXXX with one condition that I have to apply for a loan modification ( APPROVAL LETTER IS ATTACHED ) with my mortgage servicer witch is RUSHMORE LOAN MANAGEMENT SERVICES , LLC so I downloaded the the application online and I found out that loan modification will not be accepted if i have a sale date within 37 days ( Put IN MIND I'M IN FORECLOSURE ) so I called my Mortgage Servicer on XX/XX/XXXX at XXXXXXXX XXXX ( XXXX ) XXXX ( I Attached My Phone Bill For Record ) and spoke with XXXX XXXX who handle my loan in the lost mitigation Department and I asked him clearly, Do I Have A Sale Date? and his response was NO NO, send me the application to work on the modification for my loan ( the conversation is recorded because he asked for my permission to record any call to him. 

I submitted the application with all the documents required according to their application on XX/XX/XXXX at XXXXXXXX XXXX ( I attached the Fax Communication Log ) then called on XX/XX/XXXX at XXXXXXXX XXXX XXXXo follow up and I was told that they need proof of rental payment which the have it in the bank statement because its a direct deposit and I told him that, and he said he will submitted himself. 
Then I called him on Tuesday XX/XX/XXXX around XXXX XXXX again to follow up with him due to the KEEP YOUR HOME CALIFORNIA letter expiration date on XX/XX/XXXX then his response was " sorry XXXX XXXX your modification was submitted within the 37 day of sheriff sale date, I asked him for help and he declined it, I asked him to speak with higher department they may make a dissension he also declined it then I had to call a lawyer today Wednesday, XX/XX/XXXX and he told me It's illegal to declined your loan modification it's not even submitted to the underwriter also my lawyer said that he can stop the sale and MAYBE get my mortgage servicer to work with me on my loan modification but no guaranteed and also my lawyer not sure that if they would work with me it will be done before my KEEP YOUR HOME CALIFORNIA EXPIRATION DATE WHICH XX/XX/XXXX, beside my lawyer asked for a lot of money which I don't have Then I had no choice but to call you for help and I would like to get modification done before XX/XX/XXXX because I CAN'T AFFORD TO LOSE THIS BIG HELP From KYHC. 

This is what I call home for me and my kids, and I'll do anything within my power to keep my home I worked so hard to get it and I put a lot of money in it, I can't lose it. 

Your prompt attention to this matter is very argent I would be very much appreciated for your help and if you have any more questions please don't hesitate to call my cell any time ( XXXX ) XXXX
On XXXX/XXXX/2015, PNC Bank accessed my XXXX personal credit report. PNC had no permissible purpose to access my report. I have no business relationship with PNC. I have never applied for an account with PNC, or otherwise had contact with PNC. 

I do not believe this to be an issue related to identity theft. I believe PNC knowingly and willfully accessed my report improperly for the purpose of offering me credit, and did so without my permission. 

I wrote to PNC seeking an explanation for their impermissible viewing of my credit report. PNC did not reply to my inquiry.
Client called XXXX after closing account and switching to another carrier to see if she owed after paying her last received bill. She was told that if she did owe anything, they would send a bill. She never received any bill or notification of amount owed. She later reviewed her credit report and found that she had a collection account from XXXX for {$240.00}. When she called XXXX to resolve this issue, they refused to acknowledge that the error was on their part, that the client had attempted to confirm any remaining balance owed ( which XXXX did not confirm ), and that the client had never received a bill for the amount.