WillisBack/dataset-financial-user-claim huggingface dataset:
I had a charge off from a Miltary XXXX card. The amount of the debt was XXXX. I was garnished byTransworld Systems. I paid XXXX in XX/XX/2016 and {$250.00} every month. With the garnishment and the payments made of to XX/XX/XXXX, I have paid the amount of {$3300.00}. I spoke to the company to see the status and they stated that I owed an additional {$1000.00}. I asked for a breakdown and they stated that they could not provide it. They stated that I owed {$4000.00} and I was still collecting interest every month. I requested a copy of the original debt and they refused. I asked how much of this debt was paid to the original creditor, I was told {$2900.00} and the rest went to them. I stated that the account should be paid in full. They just continued to argue and tell me if I would pay my bills then I would n't be in this situation. I asked for my payment history and the original debt. I asked them to remove my debit card from the account until further notice. He refused and stated that they will get their money. I do n't owe anymore so I do n't understand. I have paid the balance on the chargeoff of XXXX, I have paid an XXXX in addition to that amount and they are telling me that I owe {$1000.00}
Mutual Financial Partners XXXX XXXX XXXX will not provide me with any information regarding the debt. I have asked for written proof, but they will not provide it. I received a call from a " locator '' asking me to verify my address to " deliver documents ''. I was originally told that they are called " XXXX '' out of XXXX XXXX. After some research, I found out otherwise.
On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and bala nces, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609, and 623. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information from Original Creditor and   XXXX , TransUnion,  XXXX , with is in violation of the law ... ..
I opened my account ending in # # # in XXXX and this card with BOA has been my longest line of credit. I have been diligent in payments and have several other accounts with BOA. 
XXXX XXXX XXXX I legally changed my name and requested BOA change my name on my accounts and re-send me new credit cards reflecting this. I received my debit card and other credit card with the new name on it, but this credit card was re-sent with my old name still on it. I requested a second one be mailed with the corrected name. Again, it came in the mail with the incorrect name on it. 
XXXX XXXX I had closed my account with XXXX XXXX and they had a standing balance of - {$84.00}. They provided me a refund of that amount on XXXX/XXXX/XXXX which was deposited into my bank account on XXXX/XXXX/XXXX. XXXX then incorrectly had that I owed them {$84.00} even though my account should have been closed and {$0.00} at this point. They INCORRECTLY sent me to collections. 
XXXX XXXX BOA sent me a check for {$1.00} because I had over-paid my credit card balance and this was to put me at {$0.00} for this account. 
On XXXX XXXX I received a letter from BOA stating that they CLOSED this account citing a collection account appearing on my credit file. There was no warning or route to dispute this claim. 
I attempted to dispute this with the BOA employee XXXX in XXXX in which he pointed me to check my credit. I then contacted XXXX, disputed the collection account on my credit and cleared that issue up ( See XXXX 's letter and XXXX 's letter stating this dispute had been resolved attached ). 
I then worked with another BOA employee- XXXX XXXX on XXXX/XXXX/XXXX to request that this credit line be reopened due to the fraud/disputed claim being taken care of. I received attached letter from BOA stating that " we were unable to approve your request to reopen the above referenced account because the terms for this account are no longer available ''. 
I submitted on XXXX/XXXX/XXXX that this be reviewed and reversed due to XXXX and BOA 's error and not my own fault. CASE ID XXXX. 
1. This account was closed in error 2. The issues cited as to why it was closed were in error and have been handled and fixed to the best of my knowledge.
3. This was my longest line of credit that is being affected and as a long standing customer and on-time payer- this has taken time and effort to fix something that was not my fault.
On XXXX XXXX 2017 I arrived at Onemain Financial Branch located in XXXX California. I proceeded to apply for a loan and was informed I was approved for XXXX by associate XXXX and her District Manager XXXX. I was unable to stay later to complete application due to having to go to work and was informed I could go to another branch closer to me to complete application if needed. I went to XXXX XXXX California branch on XX/XX/XXXX and was informed I could not be approved. They did not ask for my most current paystub or any documentation and added inaccurate information to my application so it then showed I was not approved because my debt to income ratio was not accurate. I was extremely confused and upset because I had expected I would be getting funded. Although the original underwriter, the district manager approved my loan initially I was informed it could not be funded due to the information received by the XXXX XXXX location which was not accurate. They added payments to my application that were n't actually payments. If you approve someone initially as a company I believe you should honor that. I do n't understand the inconsistent underwriting and I think that needs to be dealt with company wide. As a previous customer who made her first payment on time and paid off loan I am also extremely disappointed in their practices.
On XXXX/XXXX/XXXX I received a credit report from XXXX and Equifax I seen an account from XXXX XXXX XXXX. I tried to reach the company per the address being reported on my credit reports via certified mail.. I noticed the address being different on both reports. Two days later I received both letters back being undeliverable Per the fcra they are reporting false information
MCA Mangement CO, is reporting a debt that is beyond the seven year statue and they refuse to remove it, this is not the first time this company had incorrecty reported information under my SSN, the also incorrectly reported a XXXX that allegedly occured in XXXX that was removed, these XXXX debts appeared on credit report at the same time.
I filed a fraud complaint after discovering that my daughter had been skimming money out of my bank accounts,XXXX. The bank, Suntrust, after issuing new debit cards, said I was good to go. They had also promissed to return any fees incured. After returning 72 $ of XXXX {$.00} They closed my accounts, without informing me. I am a XXXX veteran living on social security. XXXX is delivered on the XXXX of each monty.The provisional credits were finalizes. It will take me a month to get it back. They are denying me the money that is left in my accountssaying I have to wait 14 business days to get it back. I have no food. My daughter and grandaughter are dependant on me and I dont have enough for her diapers. They also are not returning the other 72 $ of fees XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ga XXXX. Suntrust account # XXXX will be needing food bank help by the weekend.
This bankruptcy has been paid and closed other credit reporting agencies is nolonger reporting it because they show a big different in my credit score only equal fax is still reporting it
Key Bank Rewards program is misleading by saying they are giving you XXXX points per XXXX spent. When you go to redeem you can only get {$1.00} for every XXXX points so in effect it is only XXXX point per {$1.00} spent. 
I have XXXX points with Key Bank. They say that is worth {$110.00}. 
Last year I had XXXX point with XXXX. They gave me {$500.00}. 
Key Bank is using rewards points terminology that all other credit card companies use but all other companies actually give you what they say they will. 
Key Bank is being misleading and dishonest with their rewards points advertising. 
I have spent too much time looking through Key Bank info for anything that says what the true point value is. It is not until you go to redeem that you find out.
I have been attempting to redeem a " 15 year 4 % XXXX '' bond dated XX/XX/1985 issue # XXXX, issued by the Chase Manhattan Bank XXXX. and after calling on numerous occasions I have received vague and conflicting information without obtaining any results or satisfaction. The account # is XXXX and the tax ID associated with this bond is XXXX
I had a bankruptcy XXXX years ago, and it is still showing up on equifax, which is preventing me from buying a home at a good rate. They need to take it off like XXXX did so my score will be XXXX
I am unable to obtain my credit score based on verification questions. I feel there is a fraud using my SSN. I am only XXXX years old, and have never had credit, but the questions are asking me to verify what bank I used to open a mortgage? I have never opened a mortgage. I have never bought a car, or had any type of credit. I feel that my SSN was opened when I was a minor, and used to obtain credit lines. Now this person has done so much, that I ca n't obtain a credit report, because they do n't know who I am.
XXXX charged my credit card a cancelation fee when I saw it on my bill I immediately challenged it. Twice. US Bank sent paper work for me to fill out and fax to them. Which I did and still have the confirmation page. US Bank then said I did n't send the paperwork back and I need to pay them. I have not paid them and it is only {$180.00} but they will ding my credit and I will continue to complain about them
I recently opened a new credit card with Wells Fargo. I applied ( and was instantly approved ) for the card because they advertised a card that offered XXXX rewards points per dollars spent at gas stations, grocery stores and drug stores. As a father of XXXX children, I spend a lot in those merchant categories. I have a screen shot of the original offer as advertised. 

Shortly after receiving my card, I used it a few times and went to check out the rewards site to see what kinds of things I could use my points for in the future. I noticed that my card was only earning XXXX point per dollars spent, even at grocery stores and gas stations instead of the XXXX points per dollars it was supposed to be earning. I e-mailed to inquire and they said I had to call them instead for some reason. So I called, and they " opened a case '' for me. A few days later I got a call back and the agent informed me that they would not honor the promotion as advertised. I argued for a few moments, pointing out that this was extraordinarily unethical, and probably not legally allowed. The agent did not deny that, but said there was nothing she could do in her position. 

That 's basically brings us to today. I applied, and was approved for a credit card that advertised a specific promotion. Wells fargo should honor the promotion as it was advertised. Thank you for your time and consideration in this matter.
I obtained a loan from XXXX XXXX XXXX XXXX in XXXX XXXX for the amount of {$14000.00}. I paid on the car up until XXXX XXXX, 9 months before my loan should have been up but it was repossessed by XXXX XXXX after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from XXXX XXXX both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting XXXX XXXX by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on XXXX XXXX the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was pregnant may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like XXXX XXXX XXXX XXXX to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.
This company has been harassing me since  XXXX   XXXX . I told them not to call any more. I several more calls but blocked the number. I got a call from a friend of mine they had called her on  XXXX   XXXX  looking for me. On  XXXX   XXXX  I got a call from m y Dad tha t they had called him looking for me. On  XXXX   XXXX  I received a call at my job from them telling me I had to pay it then. I told them they had harrased my friends and family and now calling my work after I told them to stop. On  XXXX   XXXX  I got another call from them at my job. I told them I have told you to quit calling me. The man on the phone said well you have not told me. Seriously. Then he berated me, I hung up.
On XX/XX/XXXX, our daughter had a hair tourniquet around her toe. We used XXXX to try and remove it at home. After a while, the indention was still there, so we decided to take her to XXXX XXXX XXXX. When we arrived we signed in. We looked at her toe again under the fluorescent lights at the hospital and determined that the hair actually had dissolved and only the indention was left behind. We told the hospital that under the lighting, we could tell that the tourniquet was no longer there. Since we already signed in, they had us sign something that said we no longer needed to receive treatment from them. We went home and received a few bills a month or so later. They totaled around {$170.00}. I called the hospital to speak to the billing department. They said it was a mistake on their part and said that it was taken care of on their end. Apparently {$120.00} of the entire bill was eradicated because we have received no bills whatsoever in probably a year or so. Now, after all this time, we are getting a bill from a debt collector for {$47.00}. I called the debt collector, XXXX, on XX/XX/XXXX and explained to them the situation and told them I wanted to dispute the debt. They told me they will continue to contact me for the debt. I spoke with the Patient Advocate at XXXX XXXX XXXX in XX/XX/XXXX and she told me she would do what she can to help me get this resolved. Nothing came of it and she never contacted me again. Nobody can even give me any other phone numbers or information or help me to resolve this and XXXX continues to harass me.
I have a Bank of America XXXX XXXX Credit card ... .they had a 5 % cash back promotion which I registered for for purchases made thru XXXX XXXX, 2014. The ad said 5 % cash back on purchases made at qualifying book, toy, electronics, sporting goods and department stores. I made a purchase at XXXX XXXX XXXX -a dep't store in XX/XX/2014. 
I have not received the rebate ... I called the bank 's credit card 's phone # and the agent told me that the reason was that XXXX XXXX XXXX is n't on their qualifying list ... it is considered a " high-end '' retailer unlike stores like XXXX XXXX or XXXX XXXX. 
I believe that this is false advertising ... had I known that this was an unqualifying store, I would have used XXXX of my mileage cards instead! 
The purchase was for some {$110.00} so the cash back would have been about {$5.00} ... but that is n't the point ... .this bank to me, has falsely advertised it 's promotion!!!
I recently switched 100 % of my payment transactions to paypal. On XXXX XXXX my account was limited. They asked me to verify information and I did and the limitation was then limited. On XXXX XXXX another limitation was added again asking me to confirm my information, I did and again the limitation was lifted. On XXXX XXXX once again my account was limited asking me to verify additional information which I did and the lifted the limitation and then added a rolling reserve to my account. I was told that it would have a 18 % rolling reserve added to each transaction for 60 days but would have a max. The max withheld amount was never provided. It is now at in excess over {$12000.00} withheld of my funds. I have sent emails, made numerous phone calls and one person sends me to the next and I am not getting any answers other than being shuffled around. I did reecive a personal email from a paypal represinative that I spoke to for a lengthy time stating he spoke to someone and they denied to release the funds. I find the amount of money they are holding to be more than excessive and abusive. The release schedule has not worked by providing me with any information, I can not speak to anyone that can help with the extreme and urgent matter. Furthermore the money in which they are holding over {$12000.00} currently is not back by the FDIC. I want the funds released. They have no rights to my funds or to hold them and not so much as be able to respond to me or provide me with accurate information.
US Bank bought our home loan from XXXX in 2014. We fell behind in our mortgage and they were relentless in pursuing back payments with harassing calls late at night, and intimidation. They keep raising late fees. 
We are trying to refinance our mortgage and they have delayed sending a payoff amount to our title company, XXXX, FL XXXX FAX XXXX ATTN : XXXX XXXX # XXXX ( XXXX ) I believe they are dragging their feet on releasing a payoff because they will lose money because they bought the loan. 
Today I called and spoke to them about this. The girl, XXXX, ( Spelling may be wrong ) insisted I pay {$20.00} for them to supply the payoff. I argued this saying they could not do it. She kept insisting it was for the authorization to send the payoff amount, not for supplying the payoff amount. I asked her if that was policy when banks and title companies fax in a request but she changed the subject. She may have added the amount to our payoff, but I am not sure. She later said she faxed it as we were speaking. 
After calling the title company an hour later, I was informed they had not received it. I called US Bank back only to to be told it would take up to 24 hours and that the fax # they were sending it to was completely wrong. I believe in my heart this is all intentional. 
On top of this, their customer service is anything but that. They are the rudest and most belligerent people to try to reason with. 
So, my main concern is trying to get the payoff so we can close on our loan and move forward. This has been going on for way too long. 
Also, can you do anything about the ever changing late fees and the harassing phone calls we received?
I purchased an Infiniti SUV in XXXX XXXX and traded my XXXX Infiniti in who was financed by Wells Fargo Dealer Services. XXXX XXXX was provided a payoff in by Wells Fargo in the amount of {$27000.00} ; this amount was sent to Wells Fargo to payoff my XXXX SUV ( see attachment ). Wells Fargo Dealer Services then contacted XXXX XXXX stating an additional {$260.00} was outstanding on the XXXX SUV and this amount was paid. In the meantime Wells Fargo Dealer Services sent XXXX /30 day late payments to the Credit Reporting Companies ( for XXXX XXXX and XXXX XXXX ). In XXXX XXXX Wells Fargo Dealer Services sent me a refund check in the amount of {$74.00}, this indicates there was never {$260.00} outstanding on the vehicle. This false report has severely damaged my credit and caused me to get denied for a mortgage loan.
On XXXX XXXX, XXXX we made a request for a corrective mortgage discharge or an assignment to clear title to a property. Numerous phone calls, emails have been made to follow-up and a title clearing document is still not recorded. We are told " it is in process '' with no further explanation.
Upon inquiry into my credit report I noticed that Capital One credit card reported a late payment in XX/XX/2018. I disputed this error with both XXXX and Capital One. XXXX made the dispute and contacted Capital One, Cap One would not change the late payment and I subsequently contacted them and they wrote back saying that they do not agree and that the late payment stands. 
I was never 30 days or more in paying late to Cap One, from the due date. They claim that I paid {$20.00} in XX/XX/2018 instead of the minimum of {$25.00}. My statement in XXXX shows not 1 but 2 payments, 1 on XX/XX/XXXX for {$25.00} and another on XX/XX/XXXX for {$40.00}. My XXXX statement reflects a payment on XX/XX/XXXX for {$20.00} and a " past due fee adjustment '' of {$35.00} on XX/XX/XXXX. I was also charged a past due fee on XX/XX/XXXX for {$25.00}. I paid {$80.00} on XX/XX/2018. 
Since consumers are protected under fair lending if they pay within 30 days of their due date, they should not receive a harsh penalty of late payment reflected on their credit report for paying less than their minimum due. In this case I was not late more than 30 days from the due date and I paid more than the minimum due. My credit standing should be changed and not marked as late for XX/XX/2018.
I have tried several times to contact Springleaf Financial/OneMain Financial to correct the unpaid status on my credit reports. In both cases the accounts were sold. Springleaf to XXXX XXXX and OneMain to XXXX XXXXBoth loans were settled with the debt purchasing companies. Copies of the paid information was sent to all three credit reporting agencies, as well as, the debt sellers.Both debt buyers have confirmed payment and claim to have notified the debt sellers of the paid status.XX/XX/XXXX I called XXXX and was told the account is paid/settled and that I should dispute the account with Springleaf to have the status updated as Paid/Settled to all credit reporting agencies.
XX/XX/XXXX I called Springleaf and was told the account was a charge off when sold and even though now that it was paid to the debt buyer, they will not update the credit bureaus as paid/settled.XX/XX/XXXX I called XXXX XXXX and was told they report to OneMain all payments once a month on the XX/XX/XXXX. My account should be updated on all credit bureaus as Paid/Settled upon the next reporting cycle.
XX/XX/XXXX I called OneMain and was told when XXXX XXXX reports the payment, the credit bureau will be updated as paid/settled.XX/XX/XXXX I mailed all proof of payment and a dispute letter-request to updated paid status to all credit bureaus to both OneMain and Springleaf Financial.XX/XX/XXXX I received a letter from Springfleaf/OneMain claiming the information reported is correct? They are still reporting the accounts as "Charged Off" delinquent and unpaid.XX/XX/XXXX I submit the complaint to the CFPB in hopes to obtain a correct paid status on the Springleaf and OneMain trade lines. I don't understand why even after a debt is sold and paid to the debt buyer, why the debt seller will not update the paid status. That would be the correct status, wouldn't it?