WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX/17 I made what I thought was my final payment on my Best Buy Credit Card ( Citibank issuer ) promotional deferred interest purchase. On XXXX XXXX I received a call from Citibank notifying me of a past due account. In reviewing my account documents, I discovered that {$27.00} of my {$120.00} was credited to a purchase during that billing cycle leaving my XXXX/XXXX/17 payment of {$120.00} {$27.00} short of paying off the promotional balance and yielding punitive interest charges of {$270.00}. I had my payments set on auto deduct to pay in full by the end of the 12 month deferred interest period. Each payment was made in an amount sufficient to pay the balance in full but I had forgotten about the purchase I made during my billing cycle ended X/26/17 from which {$27.00} was diverted from the promotional balance. I was also late for my XXXX statement thinking that I had paid the balance in full. Although several representatives I spoke with acknowledged the error, one of whom said " yeah, that {$27.00} should have been credited to the deferred balance '' the final disposition was that they would waive my late fee of {$27.00} plus interest of {$7.00} I was responsible for deferred interest of {$270.00}. Apparently they only allow 20 days to correct errors on deferred interest charges according to the Escalation department. My offer was to pay the balance of my forgotten purchase, late charge, and interest since it was my fault that I missed the error and was, in fact, past due for the payment I missed. That offer was declined so, to bring an immediate end, I paid {$330.00}, which included {$270.00} in deferred interest, in spite of timely payments in an amount nearly 5x the required minimum for each month and that left my {$27.00} short of a final payment amount. I also told the company I received numerous auto-dialer calls over the past 2 weeks from Citi that left no message or when I answered no one ever came to the line. Had those calls reached me, I would have been within the 20 " grace period. '' I believe that Citi 's handling of this situation is extremely inequitable and that it warrants this report to the CFPB for review and documentation of Citi 's practices.
The medical debts are not in timely manner for collection purpose. My insurance is a market place. I have a right to ask financial aids accordingly. Even I am not more than four months being a member of medical inssurance. This is just running to mess my credit score illegally. Any ways I have arranged to be paid by my XXXX XXXX. It should be removed from my account. 
Sincerely,
My mother has a credit card account, and she listed me as an authorized user. At some point, the credit card upgraded me to a co-user, which I did not consent to or apply for.
I contacted the Navient onXX/XX/XXXX and on the XXXX or the XXXX of XXXX to dispute incorrect information on my account. I received a letter from them that was dated on the XX/XX/XXXX after an agent said he would look into the issue. The letter stated that the information that they reported to my credit report was correct although none of my loans were 60 days late. I then contacted Navient twice after, and to no avail. I was making payments every week, so the loan never had to time to be 60 days delinquent as it was paid before the next month. Might I add, you can see a copy of my payment information on the Navient website. 
Also, this was never reported on my credit during the months in question, nor was this information reported in the months immediately following XX/XX/XXXX. I received information in the month of XX/XX/XXXX, that this was and had been reported to the credit bureaus that month. Also, a letter will be sent on XX/XX/XXXX that contains this information.
We received a letter in the mail stating that we owe {$290.00} on our XXXX XXXX bill. The letter was addressed to " current resident '' and had what seemed to be an intentionally vague invoice page that included 11 transactions for service date XX/XX/2014. No other information provided. We confirmed with XXXX XXXX that our account is up to date with no existing balance. This process seems like a scam that preys on people 's fear of collection agencies.
XXXX has been reporting incorrectly on my credit report. I have written them and the credit reporting companies numerous times with no result. This is an alleged debt from the original creditor XXXX. XXXX is reporting incorrectly to experian. They keep reaging the debt. this was an alleged debt from XX/XX/XXXX and XXXX continues to report on my credit report that this is a new account from XX/XX/XXXX. They are incorrectly extending the time to remain on my credit reports and the date of opening is wrong
I attempted to contact the company, however, they would n't allow me to talk to someone. I sent 2 letters and the first time they responded about the wrong account and the second time they ignored my issues completely. The creditor - Comenity Bank - engages in shady business practices and does nothing to actually look into the issues and truly investigate. I also submitted a dispute and within 2 days they responded stating the information would not be corrected. They did n't even investigate! 2 days turnaround shows not even looking into the matter. I have other accounts and have been a good customer, however, they could n't even help me with this matter. I have read several better business bureau complaints for this creditor with similar issues. I want the late reporting removed because it is inaccurate and due to errors on their part, not sending statements and disputed fees
My home mortgage was refinanced with XXXX XXXX XXXX back on XX/XX/2018 and previous mortgage creditor XXXX XXXX XXXX, XXXX is still showing a balance of {$81000.00} on my credit report currently. Showing as if I have 2 mortgages open and I do not.
Based on goods not delivered by the merchant, a dispute was submitted. Prior to submitting a dispute, I contacted the merchant to resolve. I got an email from Amex indicating that there was a secure message which I was not able to find in the site and unable to access. At this point, I used the chat feature to connect with Amex to see what they required for dispute information. The information on the dispute was generic and did not provide specific for me to action on. " We require additional information from you to resolve your claim. If you have not done so already, please provide the requested information at your earliest convenience. The Inquiry Reference Number is displayed above. '' I tried the upload but that received an error and the agent gave me another link to another page to upload which failed few times. First chat agent did not seem to understand the issue so I asked for supervisor. Supervisor asked to submit a letter detailing out the issue which was addressed in the original complaint. When I asked, there was no additional information nor there was any additional information. I did not receive specific information about request in paper mail or email asking for information. I have uploaded the letter, order, invoice with merchant note indicating not shipped, and merchant indicating they will refund missing item. Chat reference : XXXX Inquiry Ref. No. : XXXX
My credit report has an error. Midland Funding reports that my account with Nordstroms was opened in XXXX, 2013 ; this is incorrect information and may negatively affect my credit. I wish this incorrect information removed.
I received a letter from the Van Ru Credit Corporation dated XXXX/XXXX/2015 stating that Van Ru was attempting to make a debt collection in the amount of {$25.00} on behalf of XXXX XXXX XXXX XXXX. I received no contact from XXXX XXXX XXXX regarding my " debt. '' The last I used any medical service through XXXX was in XXXX 2015 in which I processed payment on XXXX XXXX, 2015. This claim presented to me from Van Ru is erroneous. When I went to their online site at XXXX, I saw that the url was not secure meaning that if I were to disclose any financial information on that site, it would not be safe. The notice from Van Ru does not describe the service and date in which the obligation was incurred. I know the claim is invalid and I found multiple reviews online indicating the debt collection scams perpetrated by Van Ru.
On XX/XX/2018, I received my second notice from XXXX XXXX  that my Credit Score has dropped 30 points at a second Credit Bureau in the past week and I'm not sure as to why, the account in question has never nor is it currently behind. The Creditor says that they submitted the amount that is currently due this month and before I could pay it on XX/XX/2018, Transunion and XXXX  has dropped my credit Score by 30-60 points and I would like to know why? A Rep a XXXX said that it is because I exceeded 30 % of my total approved limit for that particular card and that Creditors do not want you to exceed that amount because they feel you are in debt and you can't pay it back. I understand that, but, shouldn't I at least get a chance to pay it before I get a penalty? We had a situation with my car this month and I put the one time charge on my card not knowing that I would suffer a penalty, isn't that part of what you get these cards are for? I wouldn't normally complain but this policy doesn't make sense, the bureaus say that this limit is designed to stop you from defaults but, if I have a low limit card ( say about {$3000.00} ) and it goes over a {$1000.00} I get a penalty. They say that you are High Risk of not paying it back but, if I have a card that is limited to say {$11000.00}, I can charge $ 3200+ and I'm fine and I'm doing a great job ( credit Wise ), even though I'm at a greater financial risk, Why? The government needs to have the bureaus explain this to consumers before you get this penalty. The Bureaus need to explain who and how these limits are determined. The bureaus are setting the limit on what you can use in any given month, SHOUD N'T THEY BE THE ONES APPROVING THESE CREDIT CARDS ALSO? What is the point of a creditor giving you a limit, if the bureaus aren't going to let you use it? The Bureaus have the power to destroy a persons life in seconds, but, once they give you a mark, it takes month to years to try and straighten it out, Why? The bureaus say that my credit standing is excellent, but I have a risk and usage level of only 30 %, Why? This is submitted as a General Use Statement and if you request further documentation, I can provide it.
I have received a letter from Capio partners today XX/XX/XXXX regarding a medical payment on XX/XX/XXXX for {$160.00}. 
I had paid all of my bills as soon as I received them. 
In addition, who remembers how much and how I paid a bill 4 year ago,?? when I never got notified of any past due bill???
XXXX I contacted XXXX regarding my credit card account number XXXX I explained my dispute regarding this account is the XXXX reporting agenciesshow I owe XXXX a " XXXX XXXX XXXX Of '' {$3700.00}. However, XXXX " Charged OffAccount '' as of XXXX XXXX and issued me a Federal form XXXX requiring me toclaim {$2700.00} of this amount as income on my XXXX income tax return. I did claim this amount as required and paid income taxes on this amount. XXXX explained to mealthough I was required to claim this amount as income and pay taxes on it ; and I add in addition, XXXX deducted this amount reducing their corporate taxable income, XXXX submits I still owe them the total balance of {$3700.00}. I know for fact I had to claim as income {$2700.00} of this amount and paid income taxes on it, and I can presume XXXX reduced their corporate taxable income by the larger amount of {$3700.00}. Based on this information, I neither owe, nor does XXXX have any basis of which to claim they can collect, which they did imply they had by stating to me, " Although we are not " actively '' collecting, the balance is still due '', I am not satisfied with their answer ; therefore, I am pursuing you to resolve our dispute based on the above and following, but not limited to, information. XXXX I contacted XXXX at XXXX, her ID number wasXXXX. After I explained my previously mentioned dispute, XXXX said she wouldupdate my account with the XXXX credit reporting agencies based on the beforementioned information I gave her. XXXX/XXXX/XXXX - I receive a letter from XXXX stating the XXXX credit reporting agencies have been updated to state I still owe XXXX {$3700.00}, which includes {$2700.00} reported on the XXXX and the additional {$980.00} ( XXXX, XXXX {$980.00} ). I am submitting this to you to resolve because I am not satisfied with XXXX 's explanations for not removing the amount of {$3700.00} show as " Amount Past Due '' to the XXXX credit reporting agencies. I dispute XXXX should report an " Amount Past Due '' off {$0.00}. Please contact me at XXXX to resolve this dispute. Thanks so much, XXXX XXXX ( XXXX ) XXXX XXXX E-Mail : XXXXXXXXXXXX
I just received a summons to appear in court by Suisse Bancorp, they taking me to court on a loan XXXX XXXX, and XXXX XXXX, total is XXXX. Now i get a summons that i owe XXXX, I thought my lawyer use the money on my second accident to pay them, i did n't receive no letter from Suisse Bancorp until yesterday on summons.
On XX/XX/2018 I notified Coinbase that I thought my PC was hacked. The next day I called them and also filled out an application which described how my PC was NOT hacked and that the Coinbase account was NEVER hacked. 
I requested that my account be reopened. 
Depending on who you speak to they ask you the same bloody questions ... did you fill out the four questions ... XXXX they are trained to mouth sympathy but do absolutely nothing! 
For the past month, the Coinbase representatives and supervisors tell me my account has been prioritized but can never give me a time frame when it will be reopened or even investigated. They also " agree '' that there is NOTHING to investigate!. They constantly send out robo emails thanking me for my patience! They all agree that I submitted the correct information AND my account was never hacked. 
They are completely unaccountable. They will not give you a id/last name. During this time period I've watched my investment decrease from {$9000.00} to maybe {$3000.00} Because I'm locked out of the account!. I encourage you to call these criminals and attempt to make them accountable. I would like the value of my account returned as of XX/XX/2018
Contacted Ally Bank for Payoff of XXXX Chevy Equinox, I was quoted {$25000.00} on XXXX XXXX, XXXX ; which was good thru XXXX XXXX, XXXX. I made my XXXX XXXX car payment which was {$570.00} because I was not sure if my credit union would approve my refinance application. I was approved by my credit union I overnight mailed the payoff check for {$25000.00} on XXXX XXXX, XXXX. When I contacted Ally about the over payment they said my over payment was only {$29.00}, but the account is showing the next payment due is {$570.00} on XXXX XXXX, XXXX. I would like for Ally to refund the full over payment balance on this account. I also was concerned because I felt like they were charging me additional fees on this account and the payoff balance should of been closer to {$23000.00} that is why I refinanced the vehicle.
My private student loans have a balance of {$130.00}, XXXX. I attended school at a for profit college, XXXX ( XXXX ) in XXXX, GA. I was not aware of the paperwork I was signing as a young adult and I was lead to believe I was signing federal student loans and my loans would n't exceed a certain amount. I did not graduate with a degree in medicine or law so the amount is ridiculous for someone in my field. The lending practices of XXXX in conjunction with the private loan company are wrong and misleading to students.
This company is sending me false documents. The letters have the exact contact information and pretty much the same letter but they changed name to original creditor on the NOTICE of INTENT. Also, they stating I have not dispute and I have confirmation that they did receive my disputing letter. I also called XXXX XXXX XXXX and they are unaware of this letter. If these accounts is not deleted IMMEDIATELY from all XXXX credit bureaus, I will file a lawsuit! 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Equifax had a social security number leak on XX/XX/XXXX with up to 143 million people involved in the U.S. As of now, XX/XX/XXXX, I am not sure I have been affected. This is extremely worrying to have your SSN available to be used for identity theft and fraud, considering that Equifax is supposed to keep our SSN 's safe.
XXXX XXXX XXXX XXXX inserted a bad debt on my XXXX, On XXXX XXXX, 2015 DEBT RECOVERY SOLUTIONS also reinserted the same bad debt after previously being told its from Identity theft and removing it. There is no way both of those debt collectors can have a legal right to pursue XXXX bill at the same time. AARGON AGENCY INC also has the same debt listed in my XXXX, they last reported on XXXX XXXX. I 'm not facing double jeopardy I 'm facing triple jeopardy with XXXX debt Collectors listing the same debt & XXXX of them listing it 15 days apart in the same month.. XXXX XXXX XXXX XXXX XXXX both have the debt SEPERATED into XXXX accounts {$680.00} + XXXX total XXXX..Instead of the total being listed once. They 've maliciously separated the bill to do as much damage as possible to my credit scores. Instead of XXXX showing from XXXX co its now {$2100.00} AARGON AGENCY INC has it listed at but as one bill..So now the same bill is listed at over {$3000.00} in my reports. The Bill in question AARGON AGENCY INC has listed SPRING XXXX XXXX as the original creditor ( I understand that 's a HIPPA violation ) Both XXXX XXXX & XXXX XXXX SOLUTIONS have the original creditor as XXXX ( another possible HIPPA Violation ) I will be suing all mentioned parties for violations and filing complaints with my states Attorney General, The XXXX & Courts if these tradelines arent removed from my XXXX and if they 're resold or transferred again. XXXX companies cant have the right to legally try to collect on the debt at the same, XXXX or more companies are obviously trying to collect on a debt they have no legal right to collect on as well as the fact they intentionally misrepresented a debt by separating it to list it more than one time in my credit report. AARGON sold or transferred the accounts and has still reported on them while knowing they cant report or respond on accounts they dont have. AARGON also has a NV POWER BILL on my XXXX listed at an address I 've never lived at. I 've previously notified them it 's from someone using my identity..
It  is 2017 and I h ave repeatedly asked all  XXXX  credit bureaus to remove old accounts and ones that have been paid and cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.
National Recovery Agency for the amount of {$2200.00}. I have sent National Recovery Agency a debt validation several times with no response. This item does not belong to me.
I would like to have a bankruptcy remove off my credit. I have contact the federal courts about the bankruptcy which they sent me a letter stating that they do not provide information with reporting agency and the reporting agency has went through a third party XXXX XXXX to obtain information which is incorrect.
I took a loan with Avant online. The amount was {$20000.00} and the payment was {$840.00} a month. The interest over 35 %. At the time I thought I could handle it but I have come to a point that I can not. 
I knew the interest was high but where else could I get a loan? no where. I have paid on it for 18months and paid over {$16000.00}. Only I am shown as having paid {$5000.00} to principal. The interest will be way over {$28000.00}. I ask if they could lower the payment of the interest. They told me they could lower it to {$640.00} a month. That does n't really help. I do n't understand how they can charge such a large interest rate. How could I ever pay it off and what will they do to me? I know other loan companies have gotten in to trouble with interest rates like that.
My spouse was employed by XXXX XXXX  XXXX. While she was employed with them the owner XXXX told us we could get XXXX work done and we only had to pay for the lab work. I got XXXX XXXX XXXX and paid what they told me I had to pay, which was {$190.00}. Everything was ok, until my wife was fired and XXXX went by back and charged me another {$590.00} and then sent it to a collection agency which then put it on my credit report. This is very unacceptable from any dentist or doctor.
After trying for over a month to resolve this matter, I am writing to you to ask for help. Wells Fargo bank is holding my funds hostage. My daughter recently moved to XXXX to work on her XXXX XXXX degree. We opened a joint account so I could access the funds if she needed anything. She set up online banking so she could transfer between her Wells Fargo account and her bank in XXXX. On XX/XX/2018, Wells Fargo put two trial deposits into the XXXX bank account to verify the account. On XX/XX/2018, using Wells Fargo online banking, I initiated a {$3000.00} transfer from the XXXX bank account to Wells Fargo. The money was debited from the XXXX  bank account on XX/XX/2018 ; but has never been credited to the Wells Fargo bank. For the past month, my daughter and I have on many occasions either visited a branch or called a branch to find out the status of the money. I have been told that since a claim was made by my daughter, that they could not speak with me concerning the case. On XX/XX/2018, I visited a local branch of Wells Fargo to once again try and locate the missing money. After spending over an hour and speaking with three different people via the phone, all I know is that they suspected the transaction was fraudulent and returned the money at XXXX. They still can not say where the money is or when I should be receiving the credit for the deposit. They did tell me to check with the XXXX bank which I have but was told, " since the transaction started on Well Fargo 's website, they would have to resolve this issue. ''
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX Equifax : XXXX  XXXX  : XXXX>XXXX< XXXX  : XXXX><><. XXXX XXXX Equifax : XXXX  : >XXXX<XXXX XXXX  : XXXX  : >XXXX<XXXX : XXXX. XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX  .XXXX XXXX XXXX/XXXX  Equifax : XXXX, XXXX/XXXX Equifax : XXXX  XXXX  : XXXX XXXX : XXXX, XXXX/XXXX XXXX XXXX : XXXX  : XXXX  : XXXX XXXX XXXX XXXX : XXXX
Hi, I purchased XXXX gift cards on eBay from seller : paypal digital gifts, XXXX cards ( {$25.00} and {$100.00} ) on XXXX/XXXX/16 and XXXX card for {$100.00} on XXXX/XXXX/16. I tried to use them 2 months ago and balance on all XXXX cards said XXXX. I contacted paypal, the rep told me it was confirmed I never activated the card and will investigate and get back to me. 2 months after I called and paypal said there 's nothing they can do and transferred me to ebay, ebay said there 's nothing they can do as too much time passed to open a claim, I tried to tell them I bought gift cards that do n't expire and did n't expect the balances to be 0 months later, they gave me the email to the seller instead. I emailed the seller ( both email accounts ) numerous time and did n't get any replies. I heard that paypal digital gifts by accident posted the gift card numbers on line, so everyone was able to use them before the actual buyers. I 've read that many have gotten refunds already and some are just given the runaround. I keep calling and emailing paypal and they just tell me there 's nothing they can do. I do n't want to be out {$220.00}, someone has to be responsible for this. Anything you can do to help would be greatly appreciated as I have exhausted all my options. 

Thank you