WillisBack/dataset-financial-user-claim huggingface dataset:
Today XXXX XXXX I received my updated credit report from TransUnion stating that new information was updated on my credit report with XXXX XXXX XXXX acct # XXXX. I see no changes to this account nor my report. I disputed this account over and over again TransUnion seems to be the only XXXX reporting this account XXXX has removed this account due to the inaccuratcy that this company has displayed over the 5 years and XXXX investigation is due to be concluded by Satuurday XXXX XXXX company has n't responded to their dispute as of yet. Please help me to get this issue resolved. Please find that I have included my TransUnion Report, XXXX removal of this account.
I received a shortage coupon from my mortgage company XXXX that I could choose to pay the full amount ( due by XXXX XXXX ) or have it dispersed over a 12 month period. In XXXX my mortgage was sold to Specialized Loan Servicing. On XXXX XXXX I sent a check to my new mortgage company for the full amount of the shortage of {$990.00}. I included the payment coupon and the new loan number. My check was cashed a few days later from Specialized Loan Servicing. 

I went online to check the status and to make my XXXX payment. To my disbelief my loan was misapplied and not put towards my shortage. I called Specialized Loan to find out what happened. I spoke to someone ( did n't get their name ) and was told since I was one payment behind they applied that money towards that and put the rest in escrow because that was their policy. I was fuming and in disbelief. I paid the full shortage amount in good faith to keep my payment down. So NOW I have to make the shortage payment over the 12 months plus my mortgage payment. This is an extra {$140.00} a month on top of my regular mortgage. 

I feel like I should have gotten a phone call, especially of the fact that I was switched from XXXX in XXXX. I never received a call or anything in the mail. My payment was for my shortage NOT for my mortgage payment. 

I feel like I just tossed almost XXXX in the fireplace and now I have to come up with extra each month. I am a XXXX single parent and scraped together the money to be able to avoid the monthly increase. 

I am so unhappy with this new company and their decision to choose what to do with MY money.
My bank has charged within the last month over {$1000.00} in fees. When I look at my statement, a lot of the fees are caused by re-arranging how they process items when they post and on for pending items ( some of which never even posted ). I have contacted several times to no avail and even have spoken to their executive team.
I noticed a couple of months ago there was an account added to my credit report by XXXX XXXX XXXX. It surprised me because it is a very old account. It was involved in a bankruptcy case in XX/XX/XXXX. I'm not sure why they would now add this account after all these years. The statue of Limitations for collection is up being that it is past 6 years, and it was in bankruptcy!!! I reached out to the 3 credit bureaus to tell them about their unfair credit reporting. XXXX and XXXX deleted this account from my report. But on XXXX it still remains.On my credit report they have date of delinquency as being XX/XX/XXXX and date reported XX/XX/XXXX and date assigned XX/XX/XXXX. Clearly this is a blatant case of re-aging my account. And that is a direct violation of the FCRA, Fair Credit Reporting Act. Also I disputed this with XXXX on XXXX XXXX and there is no mention of my dispute listed on my account as of XX/XX/XXXX. Clearly another violation of the FCRA. This illegal and unfair. This incorrect reporting is hurting my credit. I am also contacting the XXXX  and the Attorney General Office to let them know what they are doing to consumers. They need to delete this NOW!!!!
I am a victim of identity theft and sent in information pertaining to an account with XXXX XXXX. After sending in my police report and identity theft report all three credit bureaus reported it verified but wont send the information to validate the debt. The original amount of the loan was {$10000.00} and is currently showing a balance of {$7100.00} as a voluntary repossession. The account number ends with XXXX*.
I have several accounts that were included in my Bk and they are still showing delinquent. 
XXXX. XXXX XXXX closed XXXX balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX I called XXXX and was told they wont remove these items even though they are closed with a XXXX Balance and leaving them as a derogatory mark in my credit.
On XXXX, for our XXXX anniversary, I took my wife and our oldest daughter on a tour of XXXX. We stopped for lunch at XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX. It was around XXXX, warm and sunny and we sat outside in their courtyard and ordered XXXX ice teas, XXXX lobster rolls and a small salad for lunch. The old woman/owner gave us our bill. We signed the check which must have been no more than {$45.00}, plus tip. It was a regular paper receipt which I paid with my Bank of America XXXX. I signed the paper bill with a pen and never kept a copy for myself since it was such a small amount. 
A few weeks later, while reviewing my XXXX bill from BofA, I noticed that I had a charge of {$560.00} from this restaurant, and no other charges. I immediately called Bank of America and contested the charge, stating that I never authorized this large amount. 
On XX/XX/XXXX I received a letter from Bank of America stating that the merchant had provided proof of a signed receipt for the amount of {$470.00} plus a tip of {$80.00} for a total of {$560.00}. The signature provided to BofA is a close forgery of my signature, and I did not sign nor authorize such a large bill. BofA considers this matter closed and is holding me fully responsible for paying the full amount of {$560.00}. 
I filed a police report with XXXX Police Department XXXX : XXXX. The restaurant has since closed and it 's been torn down. The owners of this restaurant have been found guilty of previous fraud charges and spent time in jail - according to reports you can easily find on the internet.
I have filed with the comptroller of the currency. This company is in the dark ages. They have blocked access to my account because they have no clue what they are doing and can not even ID me when I am calling them. My new XXXX XXXX XXXX credit card is the product I have. I wish I never applied for the card. I have called and they have no clue how to ID over the phone and expect me to mail them driver license, Social security card and bank statements to prove who I am. No way to email them the documents scanned into pdf and no clue as how to access public domain questions to Id over the phone. I have never in my life had to mail in documents to any company. They are simply either complete morons or jacking me around. How to keep new customer they have no clue. I have a Barclays USA bank for the last 3 years or more on top of this. 

When I ask them if I just wanted to close my account instead of mailing the information they gave no way as to how. 

Complete XXXX!
Opened an account with XXXX XXXX while making a purchase in the store in order to receive a discount. Total amount came to {$150.00}. This total amount was paid via electronic issuance from my bank XXXX XXXX XXXX XX/XX/XXXX. No other purchases were made on this account. Received a statement from XXXX showing a balance the next month. My thought was that the payment had not been received at the time of the statement generation. Received another statement the next month that included a late fee on the statement. I contacted XXXX and indicated that they made a mistake and that payment had been made to them. They requested proof of payment which I provided. There was an issue with the account number however, they assured me that they would be able to locate the payment by name/ dollar/ amount and trace information provided by the bank. They indicated that was probably the issue with the delay of application to my account. They removed the fees and a few months later it happened again ... I repeated the same thing and then they removed the fees and made a notation and submitted the account for research. I provided information again and also hosted a 3-way call with my bank. The bank confirmed the payment. I also provided a copy of my statement showing the money being taken out of my account. About 6 more months went by and I started getting collection calls. To each one I told the representative the same thing and provided the same information. Finally I wrote a letter to the CEO complaining and received a call back from customer service. They took the issue under advisement and promised they would resolve it. The collection calls continued and I tried desperately to get it resolved. By this time it had been over a year and XXXX XXXX XXXX was negatively impacting my credit as well another account that I had with XXXX XXXX for my XXXX XXXX account was directly negatively impacted. I received letters from XXXX XXXX informing me that they were lowering my credit limit from the current {$1200.00} to {$800.00} then it went to {$600.00} and now to {$300.00}. This happened each time I paid down my balance. I went back and forth between my bank and XXXX XXXX  both holding their positions. XXXX maintaining that the payment was made and accepted by XXXX and XXXX maintaining that they never received my payment and it was still owed. In XX/XX/XXXX/ XX/XX/XXXX I started received collection calls from ARS National Services indicating that they had ownership of this account and I had a balance of {$430.00}. I explained everything to them and provided the same documentation. They said they would note the account and open an investigation. At the end of XX/XX/XXXX I received a letter from ARS stating they received a debt validation request for the account with copies of the XXXX statements and indication that the debt is still owed. At this point I am not sure who is at fault, XXXX or XXXX however, what I am sure of is this money came out of my account and was sent and this has been paid and is not owed.
I received my new account statement from Sunoco. The new balance they were charging was more than my actual gas purchases that were showing on my statement. On XXXX I bought {$23.00} worth of gas, XXXX {$12.00} worth of gas, on XXXX {$23.00} worth of gas. Those transactions totaled {$58.00} plus a {$2.00} fee for I do n't know what. They showed my new balance as {$76.00}. I called on XXXX XXXX to ask why this discrepancy. She said I have another gas purchase of {$16.00} that I made on XXXX. I said well why is n't that XXXX then showing on my statement. She said it 's just the way the statement cut off. That charge will be on next month 's statement. I feel that if they 're charging me for something they should be showing that charge on my statement. I 've been trying to pay off my balance every month to avoid interest payment, now this extra charge is just enough to prevent me from doing that this month. I do n't think it 's right. Citibank is the owner of this Sunoco account.
I have called twice, emailed 3 times and chatted on their website once. Letting them know they did not pay my XX/XX/2018 property taxes and now there is a late fee, the money is in their escrow account and they still have not paid.
Bank of American closed my business account with no warning and stole all my World Points dollars. I had done nothing wrong and this is not fair. If they will not reinstate the account, I would like the account reinstated if possible, and to at least have B of A cut me a check for the World Points they stole.
To Whom it may concern, I am a XXXX Veteran trying to sell my home for the last two years in South Carolina. I am divorced as of XXXX XXXX 2015 and the property that is to be sold is part of the settlement. We have a qualified buyer who wants the house, we where to close on the home on XXXX XXXX 2015. I have moved out of the house as of XXXX XXXX 2015, the house has to be sold do to my medical condition. I have XXXX. We have medical bills to pay and other divorce cost. The title for the house is not where it is surpose to be according to the closing attorney here in South Carolina and states to us seller and buyer that we can not sell the house because of this title mayhem. Wells Fargo is not helping in this matter at all. They just keep pasting the buck ... I have stopped payment on the house as of XXXX XXXX 2015 do to the fact I can not afford rent, mortgage, medical, and divorce cost. I have to be able to take care of me and my XXXX children. No one with Wells Fargo will try to help to do the right thing and solve this issue. We need help in the worst way before my credit is messed up. Please Help ...
We returned our XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX to XXXX as part of the XXXX XXXX. We were told our loan to our institution would be paid off by XXXX, and an XXXX sent to us for the remainder. The lender sent documentation on XXXX XXXX, XXXX stating the loan was paid off. In fact, the loan pay off hit our credit reports in early XXXX. We also received an XXXX from XXXX for the portion of the buyback above the remaining loan amount ( so far, valid ). 

Today, XXXX XXXX, XXXX, we received notice from our lending institution that the loan was not satisfied. We called the lending institution and XXXX 's check bounced ( confirmed by a supervisor ) ; the lender received a bad check from XXXX and is reinstating our loan. 

The installment payment is now due tomorrow, XXXX XXXX, and we no longer have the car ( XXXX does ). We are concerned about the rejected pay off and what it will do to our credit reports. Do we owe this month 's installment payment? 

How can XXXX get away with bouncing a check and the institution reinstating our loan?
I contacted Transunion via telephone on XXXX XXXX. Talking to the customer service rep to have them remove an OBSOLETE account- XXXX XXXX XXXX # XXXX is showing as account paid in full WAS a charge off. The date of first default on that account was XX/XX/XXXX. They were not helpful and trying to tell me date of last default was XX/XX/XXXX. I called Transunion again yesterday, and they also agreed that an account that old should be removed and it looked odd, but could n't remove it. I am requesting they remove it now. This is violation!
I asked Flagstar in late XX/XX/XXXX before they referred the matter to their attorney 's office if there was any issues and their call center rep. advised as long as I paid it I can disregard their notices. I advised that I kept my money order receipts. In XX/XX/XXXX I got a letter from Flagstar 's attorney 's office, XXXX XXXX of XXXX XXXX, KS, advising of an intent to foreclose. After speaking with a different Flagstar rep. I discovered money order missing and not applied. I had to send some money orders TWICE because they returned the money orders back to me stating the account is past due so they can not accept my payment. I believe this was done to intentionally make it difficult to get out of foreclosure status. The only problem with that foolish explanation is ; how is anyone to pay you money they owe if you send it back? Payments made after these actions have been applied and accepted UNTIL RECENTLY. Flagstar currently has {$1300.00} of money order in their possession that have not applied, nor returned, nor sent to their attorney 's office for my account to be credited. Only when I called Flagstar on XX/XX/2018 did a supervisor finally advise they can't take my payments because it's been referred to their attorney 's office. He refused to comment on what happened to my {$1300.00}, or where to send my payment. I do have the funds to get out of foreclosure ; however, Flagstar seems to be INTENTIONALLY making it difficult. AND there is still the issue of the missing {$1300.00}. I suspect Flagstar is making it difficult because the loan is only {$61000.00} but the equity of the home has brought the value to {$85000.00}. Regardless of the value, it's unfair to consumers to give them the run around, take their money and not apply money after the company has taken it. Furthermore, because of Flagstar 's inconsistency in taking and applying payments I have had to certify mail things at my own expense only for Flagstar to not apply payments AND not return the money.
Called in to customer svc to make XX/XX/XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the card.
We have a Staple " more account '' for our Business and was reported incorrectly to the business credit reporting bureaus. 

Staples published a payment address of " XXXX AZ XXXX '' on our monthly statement which we referenced with our bank for bill payment checks. 

We sent a payment on XX/XX/2016 to Staples Credit Plan/CITI CARDS which was returned due to unable to identify account. We referenced all required information per our monthly statement. This resulted in our account to be reported as 30 days past due and was a bank error on Staples Credit Plan end. We should have never been reported 30 days past due and need this to be corrected. 

Attached is all of our documents showing when and where we sent the payments to. 

Thank you, XXXX
On XX/XX/XXXX I was in a car accident. I called Chase they informed me to give them information to insurance company and hold payment until deemed totaled etc. XX/XX/XXXX it was deemed totaled but only covered a portion of the note ... .. {$9400.00}. The gap insurance covered a couple hundred dollars as well leaving me with a balance to be paid about 1400 I did not have out of pocket. So they said the $ XXXX payment did not count as a payment and continued to report to the credit as late and charged off the account. without giving me the option to make small payments thus resulting in this dinging my credit report from XX/XX/XXXXthrough XX/XX/XXXXand now I am unable to get an auto loan.
I received a statement from my mortgage company saying I did n't owe any money for XX/XX/XXXX. I followed up with a phone call and was told that in fact I did not owe anything for the XX/XX/XXXX payment. 
Three weeks ago I started receiving phone calls from the mortgage company and I told them if they has an issue with me they needed to send a written statement to my home. 
Now they are saying that I do owe for XX/XX/XXXX because they made a mistake. I said I would be happy to pay as soon as I get a written explanation of the error and a written bill for the missing payment. They refuse to do so. 
They are threatening to send me to collections. 
Please help.
Greetings, My name is XXXX XXXX and I am filing a complaint on behalf of myself against Portfolio Recovery Associates ( PRA ). My complaint arises from PRA 's illegal attempt to collect on an alleged debt ( Charged-off account ) using tactics that violate several federal laws ( Both FDCPA and FCRA ). PRA is currently attempting to re-age an old account by providing false information to the credit reporting agencies, XXXX, XXXX, and XXXX in regards to a charged off account. Attached to this complaint are three documents that show this illegal activity. The first document is the initial letter from PRA, which details their involvement as a debt collector on behalf of XXXX On that document you will see the full account number detailed. The second document is an export of an old credit report showing the exact date that this account opened as well as the account number and company name that was collecting on this account, XXXX. The third document is a newer credit report which shows that PRA has now added themselves to my credit report ( in the place of XXXX ) and have also changed the date the account was opened as well as the account number to reflect a number that they created which mimics the old account number ( See documents ). They added new characters to make it seem as if this is a new account. Also, on the newer report PRA claims that the alleged debts " Date Major Delinquency First Reported '' was on XX/XX/2015, three months after they placed this fraudulent account on my credit report. By affecting the dates on my credit report PRA now has effected the time in which this item will fall off of my credit history. Per XXXX law, this account is well past the statute of limitations for debt accounts based on the original creditors account closure date, which was removed by PRA and no longer exists on my credit report. 

Additionally, I sent two letters to PRA demanding that they validate this alleged debt and their involvement. They did not comply with my demands ( Package Attached ). 

Just so we are all clear : 1. I have never opened an account with Portfolio Recovery Associates. 
2. Portfolio Recovery Associates have never sent proof that there is a signed contract that exists that binds myself, a natural person, and Portfolio Recovery Associates, a creature of the State who is defined as an ARTIFICIAL PERSON. 

Lastly, these continued illegal attempts to collect on this alleged debt have left me XXXX exhausted. I am hoping that this can be resolved without any need to go the legal route, which is my next option. 

Thanks in advance for your attention to this matter. 

XXXX XXXX US Citizen All rights reserved
I am not sure if this should be a credit card complaint or a bank complaint. I currently have a business account with Chase which is being closed citing the following : " This decision is not a reflection of your business or how you have handled your accounts and it does not affect any personal banking relationships you may have with JPMorgan Chase or its affiliates. We apologize for the inconvenience this business decision causes and want to help you transition your accounts. '' I have done some research online and I assume my account is being closed because my business involves XXXX or because I am registered with XXXX as a XXXX. Most banks consider XXXX as high risk, however I have not had any incidentals with this account. I now know that my account requires more maintenance and is more expensive than other accounts, so I understand the banks decisions to end our relationship. However, I have since received a letter from Chase about my personal Credit Card account : " After careful consideration, we closed your credit card account on XXXX XXXX, 2016, because our affiliate is ending its banking relationship with you. '' I assume this must be a mistake or oversight since the first letter said it would " not affect any personal banking relationships [ I ] may have with JPMorgan Chase or its affiliates '' and this letter says it is because " our affiliate is ending its banking relationship. '' My personal Chase Sapphire Preferred has never been used in relation to XXXX or for anything related to my XXXX checking account. I assume this error is the result of a banker ticking the wrong box or something. My brother is my partner in our XXXX business and was linked to our business account. His personal bank account which also had nothing to do with XXXX or our XXXX was also closed. Also, my Reward Points worth approximately {$1500.00} will be voided 30 days after my account closure.