WillisBack/dataset-financial-user-claim huggingface dataset:
Dear ( ) Great news! We are waiving all late fees that were assessed between XX/XX/XXXX and XX/XX/XXXX. Additionally, we are working with the credit bureaus to restore your credit history to the status as it was reported prior to XX/XX/XXXX. 

We recognize that setting up a new Log In ID was an inconvenience and caused confusion for some of our customers. As a result, more of you, our valued customers, had to contact our customer service center for assistance which created longer than normal hold times. We would like to apologize for this inconvenience and make it right, which is why we are waiving all late fees. 

Please know that we have worked tirelessly to increase staffing levels in our call center. We continue to monitor our performance while we hire and train new associates as quickly as possible. 

Our recent move to a brand new online account management system was intended to provide greater value to you and we know in the long run, it will do just that. The new system offers you a better user interface and more tools to help manage your credit card and improve your score such as : a wider selection of email alerts a greater array of self-service options the ability to search for transactions request expense reports to help you manage your budget better NEXT STEPS To receive your fee refund or correct any credit reporting, you dont have to do anything! We have already done this for you. 

If you havent already done so, we encourage you to enroll in the new account management system. It will only take a few minutes of your time. Click here for a quick visual on what to do should you need it. 

Dont forget, youll have to re-enroll in e-statements. We have forgiven the {$3.00} paper statement fee through XXXX but encourage all of our cardholders to enroll in order to avoid the fee in the future. 

Thank you for being an XXXX customer. We appreciate you. 

Sincerely, XXXX XXXX XXXX XXXX Join our community on XXXX for fun, credit tips and support. 

Copyright 2017. XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, PA XXXX XXXX | XXXX ******I was sent this email last year and I am still disputing this credit report for showing a late payment that XXXX will not rectify. I have never been late and this late payment is showing up on my credit report. I called today and spoke with someone about this error after disputing the credit bureaus twice and being told that they don't have a late payment from me at all. Ever!! I have a late payment on my credit report that is the fault of this company Nd they refuse to rectify it. They even sent me over to thier credit counseling company that told me that this is not their job but the job of XXXX!! They are denying any late payments but are also not fixing the problem with the credit bureaus about it. I shouldn't have to continue to fight a company I volunteered to do business with. Be careful of XXXX
XXXX Investment company has contacted me a work on at least XXXX occasions when I have repeatedly explained to them that I refuse to discuss my private business while clocked in and on my work phone that has recorded calls. Now when they call, I jus hang up since they do n't seem to understand words. They have also called my phone in upwards of XXXX times in 1 day, usually back to back they have also made just as many calls to family members and friends that I listed as references when I filled out the application for the car. Earlier today, I received an email from them to confirm that I authorized them to take money out of my bank account. This was a lie. I never spoke to them to make this agreement. There customer service agents are extremely rude and do not listen. The way they run their " business '' is disgusting and I will not be harassed for the remainder of time that I 'm making payments on this vehicle.
Since XX/XX/XXXX I have been having problems with XXXX XXXX / Navient with repayment options. I been in positions when I was able to make payments on auto debit from my account but was still receiving late fees on my account even after setting up auto payments. The did not credit me back or take care of this issue which causes me to pay more money toward fees and not even towards my balance. After a few years I went through some hardship and explained to Navient the private loan department my situation, they put me in a unaffordable programs and told me that it was my only option. I made several attempts to keep up with the program and due to rising payment and additional late fees it put me in more hardship. Then I was denied XX/XX/XXXX for lowering my payments again due to hardship from over paying these loans and was sent two documents regarding a lawsuit against me for either not making payments on time or not making full amount payments. I was told even if I pay the minimum I would still be taking to court .. these payments were anywhere from 400- 1000 dollars a month and my yearly income is only barely XXXX Year. I told Navient I would be gladly to pay but I need an option that will be doable based on my income and I was denied and threaten to be sued. They harass my family exposing my business to people in my family I did n't want to know that I 'm going through tough times, they hound and call my phone several times a day. They are calling family members that I never authorized for them to call in case of an emergency. They are saying that they will basically hinder my future if I do n't pay them XXXX a month in late fees..when I originally applied for these loans I was told that these were federal loans and that I would be giving a payment based off my income as little as 0 - 60 bucks. Come to find out these loans are from a private lender and that 's why I 'm being sued. I have been paying on these loans for 4 years and my balance only dropped barley 2,000 dollars after 4 years..
My loan was transferred to USA Funds in XXXX from XXXX. on XX/XX/XXXX, USA Funds reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be returned!
I was assessed a XXXX sustained overdraft fee because I could not deposit enough money to bring my account back to XXXX} within four days. I will be assessed another XXXX} sustained overdraft fee at seven days, and another XXXX} at 12 days. That will be XXXX, plus the original {XXXX} overdraft fee, bringing the total to XXXX for one mistake. I see there is already a class action lawsuit against Citizens Bank for this practice, because they are not providing any services for these sustained overdraft fees, and it is many times higher that than maximum interest rate banks are allowed to charge. At the time of the class action lawsuit, there was a XXXX  sustained overdraft fee for every day the account remained overdrafted, with a cap of XXXX. Their new policy is twice as bad as the one that led to the lawsuit to be initiated.
This company called PROFESSIONAL FINANCE CO is filing on my credit report even though I pay them every month. When I checked my credit report on XXXX XXXX, 2015 I noticed that they were reporting the incorrect balance and have n't even sent any type of bill or notices to me.
I have recently pulled my Experian and XXXX credit reports and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. They must be deleted in order to show my true credit history. 

The Fair Credit Reporting Act, 15 U.S.C. 1681, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. 

XXXX has removed all the accounts listed below XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX
I paid off the mortgage to Champion mortgage in  XXXX  for the estate of my uncle. They sent me written affirmation that it was paid off on  XXXX   XXXX . The forced place insurance company settled with me for {$150000.00} in damages to the property which had the mortgage in  XXXX  but the mortgage company insisted it receive the check. On  XXXX   XXXX  Champion mortgage informed me that it had received the check from the insurance company but was holding it pending a showing that the repairs had been made. I have tried to convince the mortgage company to send me the check, since  Champion no  longer had any interest or was owed anything on the mortgage, and have received numerous reasons why it could not do so including saying the check was in the mail, though it had not reached me 14 days after their saying so. Ironically,  Champion ap plied an earlier insurance check that was issued in  XXXX    XXXX   to the unpaid balance of the mortgage, without asking my permission. I would like the money with interest ASAP. I am the legally appointed administrator for the property.
I was alerted by the credit bureau that there was new activity on my credit. Once I checked my credit, I noticed a collection that is not mine. I am not sure who this happened. The accounts fraud.
I paid {$3600.00} towards a credit card ; in which my ex-wife had in her possession, charged to the limit and stopped paying. The cashier 's check is dated for : XX/XX/XXXX. This account was awarded to her in the divorce, however, she did not take the judgement serious. Because the card was in my name, of course I had to make good by it. 

Once this account was paid in full, not too long after ; the account was removed from all XXXX credit reporting agencies. In looking at my XXXX report dated : XX/XX/XXXX ; XXXX added this account back on my XXXX credit report on XX/XX/XXXX ; it states it is paid ; but it is still affecting me. Also as of : XX/XX/XXXX ; the 7-year diary has been reached and this account should not be on any of my credit reports. 

I have contacted XXXX via email on : Twice, disputing their letter written to me on XX/XX/XXXX. Both emails are dated : XX/XX/XXXX I also sent the emails to them by regular mail. I have not heard back from them, nor have I heard back from XXXX, in which I mailed them a letter on : XX/XX/XXXX ; disputing this same account and asking why, once the account was removed, how did it get added back on my credit report???? I disputed the fact that they have this account on XXXX, stating it is paid, but they are refusing to remove it. It is not legal for a company to remove an account off of a report and then because they feel like it, add it back on ; without my knowledge and even after it was paid in full. Please help me with this issue. I want this account removed ASAP,
Hi, I have recently found out through my credit report that XXXX XXXX, a loan service company that works directly with XXXX University, has filed multiple reports against my credit, because of delinquent payments. But on the report it doesn't state why my payments were delinquent. I am always on top of my loan and debt repayments ; however, XXXX is an unreliable company which makes repayments almost impossible. My loans first became due on XX/XX/XXXX. Since that day until XXXX of XXXX, I made several attempts to repay my loans by either visiting their website or calling them. Whenever I visited XXXX 's website I encountered a message claiming that " service is unavailable ''. This happened every single time I visited their website. Since, repayments through website was obviously not a solution, I attempted calling the company on various days at various times. I would either receive a busy tone, or the call would keep ringing without anyone ever responding. To investigate this further, I called XXXX University 's loan and financial department, and a represintive went over different possibilities. They told me that XXXX often has these problems, and it is very like that they are changing the service provider for those loans, and I shouldn't worry about. That was a relief to hear as XXXX seemed very shady in the way they conducted business. Unavailable website and customer service can be very very alarming. This company has wasted a lot of my time from writing this complaint, calling them, visiting their website, etc. I shouldn't chase after them and waste every day of my life to hopefully catch their uptime. This is unreasonable. 

On XXXX of XXXX, I was able to access their website, and realized they are still handling my loan. Their website 's interface is not intuitive and errs on the simplest actions and inputs. Even with all these obstacles, the first thing I did was to setup ACH so that they could directly transfer money from my bank account. Again, this was the first thing that I did to prevent any delinquent repayments in the future. I believe the way that XXXX handled my case is absolutely wrong and bizarre, since they provided no medium for me to take care of my repayments at all. XXXX 's business is very concerning and suspicious. No transparent communications, no website, and no customer service. Even as I am writing this the website is unavailable. However, this time it doesn't even show any messages, the website just doesn't load at all. I have tried to load the website in different browsers and still no luck. I have attached the picture of one of the instances when I visited the company 's website to make a payment. This problem was so frequent, I took a screenshot. In case something like this would ever happen. I am glad I did.
On XXXX.XXXX.2017 I initiated a dispute with Equifax concerning incorrect information within my credit file. After their investigation, they correctly removed two of the three disputed items. The remaining disputed item was being reported incorrectly. It was a state tax lien that has been paid. Equifax was not showing it as paid as the other credit reporting bureaus were. This item was not corrected.
On XXXX.XXXX.2017 I initiated a dispute with Equifax concerning the tax lien that was still not reporting as paid. I did at this time also include additional information concerning the removal of incorrect information and agreement that all XXXX credit reporting agencies mad with the National Consumer Assistance Plan. This plan states that liens without proper identification, social security numbers, consumers ' names and addresses, dates of birth or other federally mandated identification can not be included within a consumers credit report starting XXXX XXXX, 2017. All XXXX bureaus signed onto this agreement. This tax lien is being reported by a 3rd party, and not Equifax themselves. Equifax has not verified any information themselves, which they are required to due now. At the least, this lien is paid. At the most, this lien should be removed from my credit report. The other XXXX reporting agencies have removed it in accordance with the agreement between the National Consumer Assistance Plan and trhemselves.
I was contacting one of my credit card companies to make a payment. They go by XXXX different names ; XXXX, CARCARE ONE and SYNCBI. I was offered this card when I took my car to a mechanic. This was over a year ago. 
I have made all my payments and now would like to pay the rest of the balance off, or at least the majority of it since their interest rate is 29.99 %, after a six month grace period on interest for purchases. 
I called them to make the payment using a much lower rate credit card and they informed me, they allow payments from checking accounts only. I find it hard to believe that this is legal. Please advise.
Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX  XXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.
on XXXX/XXXX/2015, My bank at that time, Fifth Third of XXXX XXXX Ohio accepted a fraudulent check that they knew was fraudulent because it was flagged immediately and cashed by someone using my identity in another state. On that date. I immediately went to my Fifth Third branch and told them that they should not accept any check and to verify the signature before releasing any funds. I WAS VERY SPECIFIC IN THAT I TOLD THEM TO NOT TO RELEASE ANY OF MY FUNDS AT ALL WITHOUT MY EXPRESS APPROVAL IN PERSON. They already knew it was a fraudulent check, but cashed it anyway, as they had called me into the branch. They claimed that I had authorized release of funds from this person in another state and accused me of money laundering and that they were closing my account and not giving me my money back, which was well over {$2700.00}. Even though I had been a customer for over 14 years ; They cleared me of wrong doing, they refused to give me any funds back and refused to do business with me. I had insurance specifically for this through the bank. No signature verification was done, and I also had daily limits on my ATM withdrawals prior to this- so this had to have been done by a teller. I asked them to call the police or the FBI, which they refused to do. I told them that I intended to do so, and they threatened my, telling me that the burden of proof would show that it was my fault, and that I would go to jail.
Navient has contacted people outside of my direct network to find people in my network asking them what their relation is to me. They are also contacting my work directly, soliciting for me while it is inappropriate and will jeopardize my employment. Instead of contacting me directly, they choose to go around me, to the point where it is embarrassing and mortifying. When I finally talked to someone who called me at work, while I was at work, her attitude on the phone was, " Well, so what are you going to do about it? '' About 3 hours later, I found out that they are contacting my work still, trying to send a garnishment letter.
Experian is the only company of the XXXX that require supporting documentation such as drivers licenses, utility bill copies etc to be filed with them to establish or renew a 90 day fraud alert. If XXXX and and XXXX can accomplish all that online why not Experian? Their requirements could easily lead XXXX to believe they are attempting to make the process difficult as possible with the hope that consumers will just abandon placing an alert. Alerts, to my understanding, if filed with XXXX company are to be shared with the remaining XXXX agencies but that does n't always happen. Why ca n't the process be, made easier ( this is not concerning myself so much as other filers in the household )?
on XX/XX/18 from approximately XXXX XXXX to approximately XXXX XXXX I was repeatedly emailed, called, and texted by numerous employees of American Express regarding my account. I spoke with at least 5 individuals none of whom would provide me with a clear and concise explanation of their reasons for contacting me. Each individual asked me multiple questions over and over again only to transfer me to others who repeated the same questions looking for more and more information. In short I provided my name, credit card number, address, pin number, social security number, telephone numbers, and other information over and over again without learning why they were questioning me. I spoke with a manager named XXXX XXXX ( call # 3 or 4 ) who transferred me to a representative named XXXX who refused to provide her full name for this complaint. When I asked for her full name she hung up on me. Since XX/XX/18 to today I and my wife have received emails and phone message to call American Express that provide no way to respond except by contacting a general customer service which is what led to this complaint in the first place. Apparently American Express feels they can bully senior citizens with these tactics. I have been a cardholder with this firm for XXXX years which breaks down to at least XXXX   monthly bills paid in advance of due date. Never in XXXX years have I failed to pay a bill on time in full.
one main financial ran an inquiry on my XXXX XXXX and XXXX credit reports with out my permission, and i cant even find out who this company or bank is
I have paperless billing. Every month I receive online notices that my statements are available. In XXXX I received the online notices that XXXX of my credit card statements were available. When I logged into my account, the statements showed payments were due by XXXX XXXX in the amounts of {$220.00} and {$36.00} respectively. In response to these statements I made the respective payments that same day, XXXX XXXX. Later that month, I was online and saw that the bills were marked " unpaid. '' I did an online chat ; the representative examined my accounts ; saw the payments ; and replied that the bills were indeed paid and were not unpaid. The following month I received bills that I was past due for the two payments. On XXXX XXXX I went into the local branch and spoke with a local branch representative, XXXX XXXX, who called and spoke with a credit card specialist, XXXX XXXX XXXX, XXXX, CA. in my behalf. She put him on speaker phone and was present as he examined my account and told me that because I paid the XXXX credit card bills on their statement closing dates, and " since [ I ] paid them on the closing date the payments went toward XXXX [ not XXXX ] and technically I made a double payment for XXXX ''. He told me he did n't know why the system generated and emailed me my billing statements on the closing dates and to " never ever pay on XXXX anytime again ... I do n't know why you were alerted on last date of statement ... new software ... still have time to correct it ... you will hear from someone in a week ... two payments made on XXXX XXXX for XXXX billing cycle were applied to XXXX cycle ... '' He told me he would reverse the late penalties ( {$27.00} each ) and until it was resolved, to make payments in the amounts of {$250.00} and {$100.00} respectively until the situation was correctly resolved and payments were applied to the XXXX cycle. I did not receive a call within a week. I went back to the branch and was connected with XXXX, and then her supervisor XXXX XXXX. XXXX XXXX told me there was nothing that could be done ; I effectively made two payments in XXXX. I explained I paid the bills in response to notice from the bank that the bills were due, and for that reason only paid them that day. I explained again that I received online notice of statements being available, the statements indicated I had payments of {$220.00} and {$36.00} due by XXXX XXXX, and in response I made these payments that day, which was XXXX XXXX. I stated that there was nothing on these statements that said do n't " pay them before yet '' -- simply a due date -- and so I paid them upon receipt. She said I paid them on the closing date, therefore they were applied to the previous cycle, therefore the payments did n't count towards the XXXX statements and I was therefore late. I explained that " XXXX XXXX was wrong ; the payments can not be applied to XXXX as intended '' She said the bank must follow the protocol.