WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX we were having difficulty making the minimum payments on some bills due to medical bills and health issues. I spoke with Citizens Bank ( based out of Rhode Island ) numerous times during this period asking for assistance in reducing our min amount required or extending our  due date. They refused to assist due to the fact that we were not past due or in collections. I told them I could pay the amount owed on a specific date in XX/XX/XXXX and asked if that would keep us in good standing and prevent us from being reported to collections. The representative said yes it would keep us in good standing. I made the payment on the date instructed, the payment posted, and we were still reported. It has taken over a year for me to dispute this with all three credit bureaus, and then send my letter to Citizens asking them to remove the error. This is a bank error. I was given a date to pay my bill to remain in good standing and I paid it. I spoke with numerous channels after the delinquency hit my credit report and they said they investigated but no one would tell me if they found the actual phone call I was referring to. In XX/XX/XXXXI was advised by the credit card customer service area that if I dispute with the bureaus, and then write a letter to a specific address at Citizens, it will be removed. I even had the representative clarify ... will it be researched or removed? He said it will be removed. So I spent months disputing the information and finally mailing a letter to Citizens and they still will not remove because they can not locate proof of my conversation. They also confirmed that not all calls are tracked accurately as they should be according to their policy for logging customer calls, so they have no way of determining who I spoke with to research. However no one can tell me the outcome of the calls they were able researched until yesterday. I was not given specific information, but I was informed that even if I was told an incorrect date it would not matter. This affirms my belief that they are aware I was misinformed they just refuse to do anything about it. I must reiterate again that even after the fact, I was told by a rep that all I had to do was write a dispute letter and they would remove the information. I do not understand how it is legal to tell someone you can pay by this date and we will not report you, and then still report you. And then tell me to write a letter and it will be removed, and then not remove it. This lowered my score over 100 points and caused undue financial hardship on me. I believe they are choosing to treat me unfairly and are violating the Fair Credit Reporting act and UDAAP.
The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report including all Inquiries. I have no knowledge of the information reported on my report XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Unsecured Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$40000.00} Balance Updated XX/XX/XXXX Original Balance {$40000.00} Monthly Payment {$970.00} Past Due Amount - Highest Balance - Terms 60 Months Responsibility Joint Account Your Statement - XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 71 % Balance {$4200.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving Responsibility Authorized User Your Statement - Comments - XXXX & XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 92 % Balance {$11000.00} Balance Updated XX/XX/XXXX Credit Limit {$12000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$11000.00} Terms Revolving Responsibility Individual Your Statement - Comments -
PLEASE REMOVE XXXX XXXX OFF THE ACCT AS AUTH USER : SS # XXXX ACCT # XXXX.
I am with Bank of America. They have XXXX  built into the app. I thought it was a service very similar to XXXX/XXXX where if fraud occurs you can cancel the payment. It also advertises it as being secure. Which BOA having a contract with them makes it feel very secure. I was frauded on a concert ticket sale. The Confirmation number is XXXX. The amount was {$60.00}. Perhaps BOA should have a more reputable app built within their mobile platform one that has similar security to that of XXXX.
I was a victim of identity theft and noticed a collection from MIDLAND FUNDING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MIDLAND FUNDING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
SW Credit systems I went in to XXXX XXXX XXXX and settled with them in full in XX/XX/XXXX2016. Spoke with several representatives that there was no balance and just phoned in today. This is not my debt and i want this removed off of my credit. You will see the last payment and settlement amount attached. Please remove my file immediately.
I got in the mail a promotional balance offer from Barclaycard and initiated it online XX/XX/2016. On XX/XX/2016 Barclaycard debited my account for {$950.00} plus {$38.00} balance transfer fee and mailed a check to XXXX. XXXX recieved the check for {$950.00} and it posted to pay off my credit card balance with them. On XX/XX/XXXX Barclaycard, without my authorization, reversed the balance transfer violating their own internal policy of not canceling a balance transfer until the XXXX business day, in my case XX/XX/XXXX. 
I received a letter dated XX/XX/2016 from XXXX of the XXXX that they would not fix their reversal mistake. I have a call into them as to how they can do that when their check to XXXX has already cleared the fed and posted to payoff my XXXX credit card balance. In other words the balance transfer transaction was finalized on XX/XX/XXXX. XXXX indicated they can not stop payment on the check since it has cleared the Fed. 
My balance with Barclaycard is {$0.00} since the reversal ; I find it hadr to beleive they are giving me {$950.00} free & clear! : ) Help! and thank you XXXX ( 267 ) XXXX
On XX/XX/XXXX I was dismissed by court on being the one responsible to make the payments on the mortgage. The late payment made on the home by my ex husband was on XX/XX/XXXX this is when his payment was made on the mortgage. No other information was given to me by the bank. No registered letters in the mail. No phone calls. This company knew where I was employed. Made no attempts to contact me. House was foreclosed on XX/XX/XXXX without either of our knowledge. Again no contact from the lender. House was sold XX/XX/XXXX for back payments. On the credit report it is showing a Max delq. date of XXXX ( House was sold already ) so this is incorrect. Even shows late payments XXXX through XXXX after the house was sold. If I have no balance on this home why are there late payments showing on my account? Why was I notified on anything involving this home?
I have my loan with Ditech. My monthly payment is {$1000.00}, I pay {$810.00} every two weeks for a total amount of {$1600.00}. Every month I get a phone call from Ditech saying that my payment is late or there is a shortage on my payment. Also, they keep charging me for late fees {$41.00}. Every time I call Ditech they say everything has been corrected and all the late fees had been removed. That is not true. I dont know what else to do. This is so frustrating.
I applied for a VA loan through Wells Fargo XX/XX/2016. I submitted all my necessary information, met the criteria for the credit report, met the income to debt ratio, submitted all documentation, obtain a termite inspection, paid and completed an appraisal. ( all submitted within 6 weeks ). Wells fargo wanted different items, which were then provided, then they requested more which was provided. They told me to not do the water test, and three weeks prior to the lock rate expiring, they said I needed a water test. Water test completed, extension filed, then all previous documents starting to expire. Wells fargo said they submitted to VA, which they NEVER done, and requested more documents that were about to expire. I ran into a family loss and hardship during this time. My credit report expired and they needed update. I dropped XXXX points, and Wells Fargo dropped my loan. The loan never left Wells Fargo for VA approval, and I would have cleared VA requirements if Wells fargo had done their portion accurately and on a timely basis. Today, after I was informed of my application denial, ( 4 months after applying ) they wanted 2 years XXXX. I do n't believe Wells Fargo was willing from the beginning to approve my VA loan.
XXXX report me to owe {$850.00} for Medical services on XX/XX/2016. 
I paid them by check the remainded balance for copayment. 
Now they send me into Collection Agency ( Central Financial Contro ). 
I demand an investigation in this matter because the omongus amount that they try to collect from me when I fullfiil my copayment out of my medical insuren ( XXXX ).
I filed for Bankruptcy XX/XX/XXXX and was discharged XX/XX/XXXX. The bankruptcy trustee did not pay the real estate taxes on properties in the estate and the liens have been recorded against my personal credit although they were not my liability.
This morning I went to the usbank branch at XXXX in XXXX wa I tried to withdraw {$500.00} from my account. when the atm machine went to dispense the funds is jammed, after that I went to the branch at XXXX when I tried to withdraw the money I received a message that I needed to choose a lesser amount. I input {$400.00} and got the same message. So I canceled the transaction retrieved my card and went to finish my grocery shopping. After which I went to the branch in XXXX wa on XXXX. at which point I was informed that they had dispended {$500.00} at the aurora branch and that I did n't have the funds in my account. When I informed the branch manager that no such funds hand been dispensed and exactly what had happened I was informed they were initiating a fraud investigation and I would be informed if the disposition in 10 business days. the fact that it 's the bank itself who has screwed up evidently not being possible. now I have had {$500.00} embezzled from my account which I have to wait until XXXX XXXX 2015 to MAYBE get returned. In the meantime the funds for my rent is in limbo which means come the XXXX when I may get my money back I will have incurred {$600.00} in late fees from the management company. If they do n't return the funds by XX/XX/XXXX my wife and I will be homeless as we live on XXXX and do not make the kind of money that would allow us to pay 2 months rent in any one month.
In XXXX 2016 CREDCO for XXXX called to offer me a lower interest. I asked them if an inquiry would be reported to the XXXX-they told me no-it would not be however I refused the assist due to my XXXX credit score and me currently trying to get myself out of debt. Most of the inquiries are from this company s they call every 2 or 3 months. I now see this Inquiry on my report and want it removed as I DID NOT give them permission. Can you please help me. 

XXXX XXXX XXXX Phone XXXX XXXXXXXXXXXX XXXX
XXXX - {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts from my credit report.
XXXX Chase Bank USA , N.A . improperly applied my payments to the lower APR promotional loan balances before their higher APR credit card purchase balances, resulting in more interest and/or penalties or fees being charged on those accounts. While paying interest on a balance being carried, I was offered promotional checks with zero interest till XXXX XXXX, no payment or interest is due, I made to balance transfers equalling {$4600.00} and was charged a balance transfer fee. However Chase improperly applied payment right away to the XXXX APR balance a part of the minimu payment, ignoring the offer sent and which I took advantage, knowing this was going to happen, would I have not taking the offer, with greatly increased the balance being carried with higher APR. 
I contacted Chase legal department and was ready to move to a lawsuit in small claims court. 
I was going to bring action based on a case where the bank agrred to stop these actions : XXXX XXXX XXXX, et al. v. Chase Bank USA, XXXX, XXXX XXXX. XXXX XXXX CA XXXX XXXX XXXX XXXX of XXXX OH got involved and she asked to drop my claims and she was going to reverse interest for the past month, was discussing the matter with her counsel. She called me several times from ( XXXX ) XXXX ( XXXX ) XXXX and from blocked numbers, she said that she is a XXXX with JPM ( according the SEC she is NOT ). 
XXXX threatened to liquidate all my accounts at the bank, and my children investments as well that are by Chase, I reached XXXX and they said that XXXX XXXX has no authority to touch a brokerage account, it is a serious violation and it should be reported to XXXX, XXXX XXXX and XXXX entities, she claimed to act under the direction of XXXX XXXX. She claimed have powers to close and liquidate any brokerage account, I already informed the investment manager of her threats. 
XXXX Know further stated that she will close my checking and money market account, and XXXX withdraw the funds and will issue a check a her discresion. The bank manager stated she will be stealing. 

Her verbal commitment to reverse the interest as a final statement never materiliazed, but she send her coworkers to harass, example XXXX XXXX, the only way for me to defend was to inform XXXX that his abuse was going to be shared in social media and at his XXXX account, thas when he budged, and said to be under pressure from XXXX Know in order I shall desist and abstain from getting the wrong charged interest. 

I informed XXXX that further harassment will lead me to file a complaint with authorities, and her threat to report malicious and venegeful information to the credit bureau if I disputed or complaint against her. 

Chase went further to close the original account, and open a new XXXX, as part of their threats they blocked the credit card account for several hours. 
As I attempted again to resolve, the office of XXXX XXXX refused to talk but directed to XXXX, XXXX now will not reply mails or calls, ignoring the facts and making good on her promise.
I opened an account at fifth third bank. I was online messing around with the bill pay feature. I have a small business so this feature would be great for my out of state employees. I set up a check under my business name for XXXX $ and hit send. I tried to cancel and the online said I could n't because it was already in processing. Well I did n't contact anyone because the check was coming to me so I was going to throw it out I knew it would n't get cashed. Next thing I know my account is locked so I called the fraud department explained what happened and they said all I needed to do was go to a bank and the branch manager could unlock it. So the next day the branch I went to made a call and said I needed to contact the branch manager where I opened the account so I did that immediately. She said she would call the fraud department and call me back. After half a day went by I called back and she said there was nothing learned yet. I waited a couple days called and she said sorry there was still no answers for me. I only have {$50.00} in this account so it 's not causing financial issues only a long drawn out headache. How hard is it either close the account and give me back my money or unlock it and do business.
I am a co-signer for my son student loans. On or around XXXX XXXX, XXXX my son and I spoke with a representative of Sallie Mae. We informed her ( XXXX ) we had contacted Sallie Mae previously. During the initial contact in XXXX, the automated system continued to loop. The second time on or about XXXX XXXX, XXXX, my son contacted a Sallie Mae representative who kept pressing him for a payment despite him calling to get clarification as to how and why he has three loans with them when he was informed that XXXX would be his loans servicer/processor. He also stated he was not aware of these loans with Sallie Mae and requested additional information concerning the loan. In addition, he informed the representative he has not found employment since graduation and would like information on and/or enrolling in an alternate payment plan. On or about XXXX XXXX, XXXX I spoke with Sallie Mae representative XXXX in an attempt to resolve the issues at hand and stop the constant barrage of calls every day. XXXX stated she would annotate the account we had spoken and we had concerns requiring clarification on and of the loans because the only correspondence we ever received was from XXXX concerning student loans. I also requested copies of the loan documents so my son and I could get a better understanding of his obligations to Sallie Mae. On or about XXXX XXXX, XXXX my son received a call from XXXX. He relayed the conversations and resolutions that had been established previously. XXXX informed my son that it would take up to 10 days to received the information he requested along with changing his billing statements from paperless to a hard copy. She also stated he had 60 days to review the loan documents from Sallie Mae and any financial aid documents from the school to get clarification as to how and why these loans were not properly disclosed before there would be a negative report on his credit. We informed XXXX the payment issue would be resolved by the end of XXXX XXXX. We need to fully understand my son 's obligations and responsibilities concerning these three loans in question. She said she would annotate the account of our conversation and if we had any further questions or concerns feel free to call. Again after our conversation with XXXX, we assumed the issue had been resolved and the calls would stop. However, every day from that date I have received XXXX to 4 calls from a Sallie Mae representative. Over the past two days I have vehemently expressed to these representative we have spoken with members of their company on various occasions, I do n't understand why they keep calling and the constant calls is a form of harassment. I demanded for them to stop harassing me with the constant phone calls. From XXXX XXXX, XXXX to XXXX XXXX, XXXX I have received XXXX to 4 calls per day everyday from Sallie Mae. This has gotten to the point where my XXXX XXXX is constantly at a dangerous level from the stress of these relentless phone calls.
THERE'S SEVERAL ACCOUNT IN MY CREDIT REPORT ITS BEEN 7 MONTH I BEEN SENDING LETTER REQUEST PROOF THAT ALL THOSE NEGATIVE ITEMS IS NOT MINE ALL THRE CREDIT BUREAU NOTHING WAS DONE. XXXX, TRANSUNION, XXXX ALL THEY KEEP SEND ME YOUR FILE WAS VERIFIED AND UPDATE NO DOCUMENT WAS SENT TO ME PLEASE HELP ME A LOT OF INQUIRY IN MY CREDIT I EVEN SENT LETTER TO THEM NOTHER WAS DONE
my loan was sold to this company and with in a few months I was told my escrow was $ XXXX short that I needed to pay it or have to added to my monthly payments. I could not get a explanation except it was short. a few more months later another bill saying my escrow was $ XXXX short still no explanation except its short and it will be reviewed again this year to expect this before the year is out. how can this be in the XXXX yrs I have had a mortgage this has never once happened it can not go up and 2-3 times in one year? taxes and insurance are billed once a year. I do not understand and can not afford to keep shelling out money to this incompetent company. I was reading reviews on yelp about them and it seems I am not the only XXXX is this confused boat.
XXXX/Navient, continually misapplied extra payments I submitted. They went to the wrong loans, usually the lower interest only ones and the subsidized, instead of the higher interest loans and un-subsidized ones which were more costly to me. This required multiple calls to fix and hours of time.
I had my old apartment stripped and robbed top to bottom along with the XXXX equipment and instead of inquiring with the police department like they were supposed to they sent the debt onto a collections agency charging me personally for the stolen equipment. 

I notified XXXX of this and they did n't care that someone had been charged and sentenced in the theft of their property they just want to blame me while blindfolded and ear-plugged to all reality. 

I think they just do n't care about their customers at all and its just quicker/easier to condemn the first name they see on their screens rather than investigating or contacting the customer. I never received any communications from XXXX alerting me to their internal decisions or reasoning. And without notification they ruined my credit by placing a collections for XXXX dollars. 

I will never be able to pay this amount nor should I legally be held liable for stolen property that a criminal has been charged and held responsible for by a court of law. If the government is unable to persuade you into doing what is right then I will find justice with my lawyers.
Approximately 5 years ago I was approved for a loan modification through the making home homes affordable program, the mortgage principal was reduced and a forbearance applied for the remainder of the balance along with a reduction to the APR. Yesterday I received XXXX letters from Nationstar Bank offering me the opportunity to refinance my current mortgage {$180000.00}. I have received multiple letters in the past which I have responded by calling them. I spend 1/2 hour or more explaining my mortgage to them including that I have a forbearance and questioned if I really do qualify or not. At that point the mortgage consultant reviews my account and tells me " no '' you do n't qualify as you still owe more than the home is worth. I feel that the practice of sending multiple communication enticing someone with the hopes of reducing their mortgage is unfair and deceptive. I would assume that Nationstars system has the functionality to identify accounts that have a forbearance and not get hopes up that the payoff amount is a significant amount more than the letter states. I asked to be opted out of any further solicitations which include emails going forward.