WillisBack/dataset-financial-user-claim huggingface dataset:
Elan Credit Card was issued through a bank I have other accounts with. This bank merged with another bank and the automatic bill payment that I had setup did not process on time. I received a late fee and called Elan to explain to have resolved. The representative told me no problem you have never been late and we will refund. I explained, I can get the amount credited by Bill Pay as I have proof that it was Bill Pays error, not mine. She said not to worry and I left it at that. the next month, the new bank that has the Bill Pay who told me it would be setup did not make the payment again and I have another, higher late fee. Also, received a letter in the mail that my credit line is cut in half. I called Elan to explain that the first time was not my fault and if I had been told that not fighting to have Bill Pay held accountable that it would effect me in this way then I would have done so. I asked what I could do to get this corrected now. They told me I would have to ask for a credit line increase. Really! You just lowered my credit score because you cut my credit line in half and want me to let you run my credit report. No way! They told me there was no other way. I will pay the remainder of the existing balance and cancel this card. No way I should be inconvenienced for what was not my error and they should restore things to where they were before. I also had received a letter in the mail asking me to upgrade my card by XX/XX/2017 or they would inactivate it. Possibly the reason they lowered my credit line is because I did not respond to their offer.
I am a Massachusetts XXXX. 

On XX/XX/XXXX I was the settlement agent for a closing at XXXX XXXX XXXX in XXXX, Massachusetts. 

The lender was Fairway Independent Mortgage Corporation ( NMLS ID # XXXX ). 

On XX/XX/XXXX I approved the lender 's CD. 

I closed using the agreed upon CD and disbursed funds accordingly. 

The next day I was contacted by XXXX XXXX. She works in the lender 's post-closing department. 

( Her address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MA XXXX. Her direct line is XXXX. ) XXXX informed me that the CD signed at closing was not the final CD. 

The numbers were accurate. However, the lender intended to send the CD again labeling it " Final ''. 

I informed XXXX that I could have such a CD signed and sent back to her by the end of the day ( XX/XX/XXXX ). 

She refused. 

Instead, she insisted that the loan re-close. 

This will cause serious financial hardship for the borrowers. 

I ask that the CFPB investigate the matter. 

Closing documents are often resigned after closing and it never requires the loan to re-close.
American Express continues to allow monthly recurring charges on my account. I 've called and complained on numerous occasions and I 'm told it will be investigated. Shortly thereafter the charge returns. Today we spoke to an American Express Fraud Representative and was told that although the original credit card that was used to open the account is no longer valid they continue to allow monthly transactions because it 's recurring and we gave them permission to do so in 2003. Please keep in mind that I 'm being charged on an old credit card number and the merchant does not have the exportation date, account number or security code. I 'm paying {$39.00} a month and this has been going on for years. When I call the company in question, the call gets disconnected or I 'm hung up on. The last time I called they wanted me to send them a copy of my driver 's license. There is no way I 'm doing that. I 'd really be in trouble.
Recently I went to an orientation for a first time home buyer program. The program of course looks at everything from personal information, finances, and of course CREDIT. When my credit was pulled I noticed that there are two items on my report that are In accurate. The amount to be exact. Per the FCRA these items must be deleted. This is also false and misleading information that is negatively impacting my reputation. I have disputed this item before but didnt realize the inaccurate information. However this dispute is active and IS NOT A DUPLICATE. Per the FDCPA USC1692e ( 2 ) ( a ) the collection of the incorrect amount is false and misleading. Also Ive disputed and questioned the validity of the alleged debt and account and still have not received legal binding proof that the consumer is obliged to pay any FRN ( debt instrument ). Furthermore with the mentioned statement previously this company seems to be in violation of USC 1692f ( a ) ( 1 ). Also this item has been deleted and reinstalled without notification per FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). The reporting agencies and the collections agency is violation of the FCRA. The items in question are XXXX XXXX Bank and XXXX XXXX XXXX
There was a previous reporting on my credit report from tropical financial credit union which was resolved and should have been deleted. When I disputed the item it was then placed back on my credit and I lost almost XXXX points on my credit. Please get this item removed from my credit history
Bank of America has tried to collect on a Home Equity Line in 2013. After we inquired about the " Justice Department Settlement '' they sold the loan to XXXX who is now trying again to collect.
I am an XXXX XXXX XXXX enrolled in the XXXX Student Loan Repayment Program. During my eight years of education I incurred a loan debt burden of about {$200000.00}, divided into dozens of smaller loans ( XXXX, XXXX, consolidation, etc. ) and spread among XXXX lenders, with interest rates ranging from 2-7 %. 

I have XXXX student loans that are currently owned by Navient. XXXX of these are at a 6.8 % rate, XXXX at 2.3 %. When the XXXX sends a lump sum payment each year, Navient distributes that payment evenly over all XXXX loans, even though some carry a high interest rate and some carry a low XXXX. When I request to have them apply this payment only to the higher interest loans, I am told that they can not because the XXXX will not allow them to. When I informed the representative that the XXXX has no such regulation, I was informed that this is " guidance from the XXXX. '' While this seems like a trivial complaint, it will cost me ( and the XXXX ) thousands of dollars over the life of my loans. 

Last year I filed this complaint with the XXXX. Navient acquiesced to my request to redistribute my payments after being contacted by the Ombudsman 's office, but they reversed the changes after an " internal audit '' a few months later, after the complaint had been resolved.
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my student loan servicer, UHEAA ( Utah Higher Education, Assistance Authority ) claimed that I had late payments on my student loan. I was a XXXX at this time and was in no way required to be making payments on my student loans. After finding this mistake on my credit report in XX/XX/XXXX, I contacted UHEAA to help correct this mistake. I was asked to submit documentation of my full time enrollment status ( transcripts ) to UHEAA, which I did. I also, at this time sent documentation to XXXX credit bureaus along with a dispute on this matter. Over our conversation on the phone, the representative with UHEAA was able to see in their own database that this was a mistake on their end and assured me that this would be removed from my credit report by the end of the month when they send their next set of reports to the credit agencies. Months went by and these late payments are still haunting my otherwise perfect credit score. I have contacted UHEAA numerous times to follow up and every time they have assured me that things are showing correctly on their end. I have also disputed again with TransUnion and Equifax and both reports have come back stating that UHEAA is showing up to date information regarding my account, yet the late payments are still being held against me! HELP! I have never made a late student loan payment! This mistake is dragging my score down unfairly. I do not know what else to do to get this issue resolved. Every time I contact UHEAA I speak with a different customer service agent regardless of the many times I ask to be connected with an account XXXX.
XXXX, transunion and XXXX showing inaccurate inquires now they wont let me check my credit online to fix these issues
I had a private loan ( Amount {$3500.00} ) with XXXX which I got when I started school at XXXX XXXX XXXX ( opened XXXX ). After graduation, a couple things happened. 1. the Government switched student loan servicers to XXXX . 2. I moved out to New York for a job. 
During this time, I never received any notification about this loan being outstanding. I was finally contacted and notified about this loan when it went over to the collection agency. Thankfully, I was able to pay off the whole amount as soon as I found out ( Account last active XXXX ) before it went delinquent. 
But on my credit score, the report shows 1 instance of the payment being 60-89 days late and 10 instances of it being 90+ days late. This is inaccurate. It should say one instance of it being 90+ days late. It is not that I had 10 loans that were 90+ late. It was that one student loan ( which changed servicers ) that was late for more than 90+ days.
I contacted XXXX couple times and they say they can not do anything about the information since the payment was late. I told them that I am not asking them to remove the late payment mark ; I am asking them to show the correct information. My credit score is XXXX and I have never had a late payment other than this student loan. Showing 10 instances of me being 90+ late on a loan has caused trouble for my family and I in terms of housing and transportation ( car ).
When I was a resident at the property XXXX on XXXX, there were numerous complaints that I advised to management. When paying my rent each month it would fluctuate. I signed a lease agreementioned for XXXX each month my rent was well over XXXX. I advised management they stated would fix and each time it was not when I caught up a past due balance of XXXX was paid. In XXXX no heat downstairs. maintenance never lit fireplace after asking 5 to 6 times still no resolution. Had to buy a heater just to eat breakfast never able to stay in living room or den. Then water was shut off because they stated there was a leak in middle of street which water poured down the street.When it snowed steps were hazardous spent XXXX to try to clear all steps to leave home due to not having maintenance. Also the parking was never enforced and people parked all over the place from the back in the spot at my townhouse which was on the corner. Our patio was constantly full of nails. Various issues that were never resolved nor contacted on and also filed complaint with XXXX. As well as my mom XXXX and we are still paying for that today. Because my rent was excessive I was forced to vacate but I did try to stay current only only to keep having it doubled then tripled
ocwen loan servicing llc was keep sending me a letter attempting to collect debt regarding loan number XXXX we have no idea of what and who do we owe this loan. we believed that XXXX mortgage transferred our acct to XXXX after we filed bankruptcy chapter XXXX. also possibly after we shortsale the same properties the next year. 
short sale was done under the advice of my lawyer because for two years after got discharged from chapterXXXX, properties is still under our names, and we can not buy a new house. so, in order to removed those properties in our name, we short sale it and went to legal process.
I have been calling, leaving messages, and, no one has contacted me back about my son getting credit for overdraft fees for amounts of {$8.00} but no morer than {$18.00}, he is suppose to get back this year for those overdraft fees charged @ {$34.00} each. Since Chase no longer wants to do business w/him, and is going to close his account out this year, I wanted him to get his credit back for incurred overdraft fees on his account.  <P/> I am asking that Chase give him his yearly overdraft fees credit back before they finalize his claim. Being, it has taken Chase 5 months to give him his direct payroll check deposit money back. Thanks.
My husband and I contacted USAA on XX/XX/2018, and began the process of refinancing our mortgage. As of today, we have dealt with approximately 8-10 employees who all guaranteed us they would own the outcome and get us to closing quickly. As time passed each one has dropped the ball and continue to cause issues and delays, which ultimately resulted in additional expenses on our behalf. USAA had all the required documents on or around XX/XX/XXXX to close our loan. However, as of today we have now been told by several people that our app was escalated and we would get the clear to close by the end of the week. Today we received a call from yet another employee who now advised they do not have all the documents ( even though prior employees confirmed receipt of all docs ) and our app has not been escalated. They yet again requested I submit more documents and they would need to wait approximately 5 more business days to  receive our payoff. 
This veteran based company has treated my husband and I absolutely terrible.
I have repeatedly disputed false inquiries on my credit report with Equifax while sending proof that the original creditors either have no record of my inquiry or that I have received no response from the original creditor. After numerous calls and escalations Equifax has failed to remove these false inquires. Please uphold them to their jobs.
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Credit inquiry s done without my permission several times. By XXXX and universal credit XX/XX/XXXX or XX/XX/XXXX
I have disputed this account with this company on different occasions, I even disputed the account with the credit bureaus in XXXX and again in XXXX. This account is not an account that is my account or is it a valid account that they have put into collections. They are falsely reporting this on my credit reports and it is affecting my chances of getting a home.
M & T bank is profiteering and gouging its customers by charging fees for basic industry standard services that are available elsewhere for free. The current industry standard way to connect XXXX software running on a customer computer to a bank 's system is via XXXX XXXX. This is replacing the old XXXX method. All the other banks have changed over to this method and is offering this industry standard method of connection for free, except M & T who wants to charge $ XXXX/ month to use this industry standard method of connecting and downloading my banking transactions with them.
My credit history was accessed ( Hard Credit Hit ) without my permission. I received a call from XXXX XXXX with Academy Mortgage, a mortgage lender whom I told I could n't talk. He said he would email me for the information he needed and I agreed and he subsequently ran my credit but never mentioned it and never implied that he was going to pull my credit. As I am sure you are aware this had a negative impact on my score and I am in the process of disputing it with the bureaus and the service he used.
I am currently able to get an income driven repayment plan and have applied several times. My application has been denied because it needed more paperwork and after being sent in, they still have not approved me for the income driven repayment. I was bullied into a forbearance, although i could have easily faxed in my paperwork. This has happened several times and when i called them out on it their answer was well thats just how it works.
I am tired of dealing with Western Union for the issue i have been having with my transaction. I sent the money using western union bank to bank service but the receiver never received the money in the their account. It has been so long with this issue that i, myself have flown to the country where i transferred the fund through Western Union and have given the money in the receiver 's hand, but Western Union has not been able to solve my issue yet. Every time they call me and say that they have confirmed with the partner bank and have transferred the money. 
Even when i check the status of my transfer through their app, it says only delivered, NOT received. Attachment enclosed.
Yesterday I received a warning from XXXX that my credit had dropped. I went to check and found a company called XXXX XXXX XXXX XXXX asking me to pay a hospital bill that don't belong to me. I'm trying to communicate but I have no answer. I NEVER received any mail from this company at my address. XXXX XXXX XXXX XXXX is making false and defamatory statements about me regarding debit they are trying to collect. I think this company is a scam.
TitleMax of XXXX, California disclosed my personal information to former friend of mine regarding my debt. They got this info off my reference document provided. I no longer speak to this person, until they contacted me and told me they were being harassed by TitleMax. They informed my friend that she needed to speak to me, where she was from and what it was regarding. Prior to this, a tow truck driver showed up at her house looking for me and the vehicle. Speaking to my friends father and disclosing more information about my debt and why they were there. 

I have made REPEATED attempts for them to stop. I informed them to come collect the vehicle and they refuse to do so. It is my opinion that they refuse to collect the vehicle to they can continue to keep collecting interest at high rates in hopes of getting this money later.
I am not really sure who to complain about. I was delinquent on XXXX XXXX XXXX cards. On XXXX/XXXX/2014, I came to a settlement, in court, with a law firm XXXX, XXXX, XXXX XXXX. This law frim claimed that they were representing XXXX XXXX, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from Portfolio Recovery Associates, attempting to collect. I looked at my credit report and saw that both XXXX XXXX AND Portfolio Recovery were listed as companys that I owed. When I contacted XXXX XXXX, they told me that they sold my debt to Portfolio Recovery. Why am I paying XXXX, XXXX, XXXX XXXX? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented XXXX XXXX? If so, this is fraud.
fcra clearly s says 7 years in general negative items must be remove to clear up my report thanx XXXX has not been clear off my report thank you
Someone opened a comcast cable bill in my name. They some how got a hold of my social sersurity number and there are asking for {$1000.00} in false debt charges.!! Southwest Credit Collection in XXXX XXXX .is at XXXX 
Spoke with " supervisor : XXXX XXXX, and Ijust get transferred to a " voice mail acconut and know one retiuns my call?? ( XXXX }, has then listed as being " OUT OF BUSINESS ''. 
GOTO THIS SITE FOR MORE INFO XXXX ( cut and paste into search ) XXXX Support number is : XXXX. In order to get a copy of the false contact I would have to go to " XXXX XXXX XXXX " to pick one up? 
That would take my hours at a cost of around {$40.00}. 

My XXXX Bank Statement has ne " using my debit card three ( 3 ) times, on the date this Account was opened.Hmm ... .Can not be at XXXX place at once!!! 

Please " publish this, for the public to read. '' Copies XXXX b mailed out.
I have a contract with XXXX for {$19.00} for months XXXX through XXXX and {$49.00} for months XXXX. My very first billing was for {$30.00}. I called XXXX to resolve the billing as they were in breach of contract, and received no satisfactory resolve. I was then billed for the second month for {$60.00}. Again I called, and no resolve. After receiving the incorrect billing, I called to terminate their services. To which they now tacked on an early termination fee. I have tried to resolve this matter several times, mailed them my dispute, to no resolve. I have now been sent to collections for {$520.00}.
On XX/XX/2017 at XXXX XXXX, I received a denial for a recent application. I did not reapply nor did I ask or authorize this company to make an inquiry on my credit. They will not be to provide you a call recorded nor a documented app or request for higher loan limit. 
Especially since I am an existing customer with current loan already. So that is more evident I did not apply. This is the second time they have done this in the past two years ; apply for a hard inquiry on my credit that was not initiated not authorized by me. I want them fined and penalized.
XXXX have an address on my report that doesn't belong to me. They refuse to investigate/ and remove the address. XXXX XXXX XXXX XXXX, XXXX TN XXXX. If the agency check with that apartment complex, they will realize an apartment was never in my name. The agency is violating my civil rights. By refusing to provide me my credit report. 

Also I paid off the old utility bill I had with XXXX XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX  XXXX TN XXXX. I have a new account with XXXX XXXX XXXX XXXX XXXX I sent them a copy of my new utility bill. I sent my updated driver 's license, the lease with XXXX XXXX XXXX TN XXXX. I've contacted all three agencies. I'm refused my credit report. I'm deprived of credit as a result. 

I learned in 2018 that someone have created XXXX different Federal Identification numbers on me. Someone is using my personal information as though I have a business.
Bank of America made changes to its processes that affected accounts where new cards were issued. After more than two months of following up with the bank regarding my credit card, my account has still not been credited reward points. More egregiously, my account has been charged a debit that is erroneous. The " charge '' is because the account shows XXXX credits where there should have been XXXX. The problem is the XXXX credit is on the old card that I did not receive benefit from. Bank representatives acknowledge this error and just keep telling me that the system will fix itself and that they are working on it. However, this has gone on too long and believe that something should be done. The reward points is XXXX thing but the extra charge that has been on my account for almost three weeks is another.
Upon checking my credit report in XXXX of XXXX, I noticed there was an error in status on one of my accounts. XXXX XXXX XXXX indicated I had an unpaid account. A phone call to them verified that the balance was indeed paid. I asked that they update my account to indicate such. I also asked for written confirmation. I never received the written confirmation. On XX/XX/XXXX I again checked my report and the status went unchanged. On that day I sent a letter to XXXX XXXX XXXX informing them that the status of my account with them was incorrect, asking again for a correction. No change and no response. I sent one more letter to them on XX/XX/XXXX asking for validation. Again, no change and no response. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. At that time I decided to try going through Equifax to get this updated and on XX/XX/XXXX I sent Equifax a letter asking for validation and proof of my 'unpaid ' balance. Equifax sent an automated response indicating the account had been verified?!? This is either a blatant lie by XXXX XXXX XXXX XXXX Equifax, or extremely negligent reporting. Either way, I now want this account completely removed from all 3 of my credit reports.