WillisBack/dataset-financial-user-claim huggingface dataset:
I had a XXXX XXXX XXXX with an outstanding and way overdue balance. When I received a large check from my employer upon my retirement several months ago ( XXXX 2015 ) I contacted XXXX in XXXX of 2015 and spoke with a young lady named XXXX XXXX in the Collections Department. I explained to her that I had come into some money and wanted to settle with XXXX as it is and was the only negative item on my credit report. She pulled up my account and said my outstanding balance was {$920.00} which included several layers of late charges and penalties. She gave me a figure of {$780.00} and explained that XXXX would accept that amount as payment in full for the debt. I immediately paid that amount through my credit union on line. I received a letter from XXXX on XXXX XXXX, 2015 stating that XXXX had received the payment on XXXX/XXXX/15. She also stated that the pertinent information would be sent to the reporting agencies to reflect my payment to close the account. Apparently this was n't done -- or not done properly because it is still affecting my credit score. Please look into this and see what can be done to alleviate the situation.
My bank account always slow when it come to send the app that am using information about the that I have in my amount.
I was approved for approved for either an Income based payment plan or a forbearance in  XX/XX/XXXX  on  XX/XX/XXXX I received an e-mail from Navient stating that I owed {$0.00} for the month and this amount would be the same until XX/XX/XXXX  Three days later on the  XX/XX/XXXX  I received an e-mail from Navient that states I owe   XXXX   this e-mail contradicted the e-mail sent three days earlier
XXXX XXXX HAS PUT A BAD DEBT IN THE ABOUT OF {$680.00} AND HAS SOLD IT 3 TIMES SINCE IT BEEN DELETED OFF MY CREDIT REPORT. IT HAS DROP MY CREDIT SCORE DOWN 150 POINT. I'M OVER FRUSTRATED WITH THIS COMPANY. SOMEONE GOT CABLE IN MY NAME WHERE I NEVER LIVED AT.
I submitted a letter in regards to items on my credit report that was not accurate. 

There are 2 address that are not mine and was notified they were on the black market by XXXX Please remove the following addresses : 1. XXXX XXXX XXXX XXXX, XXXX, GA XXXX The following inquiries I did not authorize : 1. XXXX/XXXX. XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX. XX/XX/XXXX 3. XXXX XXXX. XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX Please remove the following account thats not mine : 1. XXXX XXXX XX/XX/XXXX The following account came back as not mind on my other Bureaus but is listed on this one, please delete this account which is not mine, XXXX XXXX XX/XX/XXXX. 

Please make the following corrections to my credit report. 
Thanks in advance
Last year I applied for an received a Capital One Quicksilver credit card. It featured an interest free period and other features. 

I paid my balance in full and on time every month. 

When the interest free period expired, I was hit with an interest charge, although the statement balance, as usual, was paid in full BEFORE the due date. 

The CSR told me that I would be charged interest on my balance for two consecutive  months after the interest free period ended regardless of whether I paid the balance in full or not. 

WHAT??? 

Apparently this ripoff is buried somewhere in their fine print. 

I have always been under the impression that if you pay your statement balance in full every month, you will not be charged interest, since there is nothing to charge interest on! 

I question the legality of this policy. It should NOT be allowed. 

I cancelled my Capital One card, paid the balance in full and closed the account. Good riddance. 

As far as Capital One is concerned, I PREFER TO REMAIN ANONYMOUS. I do not trust Capital One and would be concerned about retribution. My complaint is rather generic, so there is no need for them to associate it with a particular account. 

If the bureau would like the account number of this Quicksilver card, I will be glad to provide it confidentially.
XXXX XXXX XXXX XXXX continue to call my cell phone while I was at work. I answer the phone and ask for them to not call during my work hours. The agent rudely stated she will call as many times as she likes, I hung up the phone because I was at work and she called back 7 more times repeatly. That was very stressful because I had to turn off my phone so she would stop calling.
I got a 6 years loan to finance my car. In order to payoff my loan sooner I made one small payment towards the principal and one large of XXXX dollars. My loan company applied those funds towards the principal, but they refuse to inform me, if I keep paying the normal amount on the due date, how many payments do I have left. I sent 4 messages already, all of them with generic answers giving me my old amount of payments, I called and the agent told me there is no way to know how many payments I would have left.
Every single message I send is answered saying I paid 9 installments and I still have the 63 remaining ones to make it despite the fact that I lowered more than 60 % of my balance.
US Bank XXXX says that the account balance is higher than actual balance. They burned me out of many overdraft fees although the account NEVER had a negative balance. They are stealing my money, and I resent it. They are rich, and I am poor.
In XX/XX/XXXX I applied and received a Barclay Credit Card. Over the years I have struggled to pay this card down. In XX/XX/XXXX I contacted Barclay to plead for assistance. This was not the first time I had done this. They asked me multiple questions about my income and bills i have to pay. That is when they offered me a financial assistance program. My amount due each month was XXXX dollars. If I continued paying this amount long term, It would pay off my account. I set up automatic payments and they could only set up 12 months worth of payments. In XX/XX/XXXX, I called Barclay back to set up another 12 months of payments. On XX/XX/XXXX I went into my local credit union and met with a loan specialist. I needed to do some repairs on my house and needed a small loan. The bank ran my credit report. I was denied because Barclay has been reporting me late every month. How can this be when they take the money automatically each month. I called Barclay that day and was told when I signed up for the payment plan i was 90 days past due. I would have had to pay 3 months worth of payments upfront to bring me current. I have paid over 300 dollars since I first signed up, yet I am still past due. Today, XX/XX/XXXX, I called Barclay again and spoke to an executive specialist. She told me that my minimum due is XXXX dollars each month and that doesn't change even though they enrolled me in a payment plan. On my credit report it states that I owe XXXX a month and that I pay XXXX a month. But behind the scenes they are saying I actually owe XXXX but I am only paying XXXX. This is completely deceptive to me and anyone else on this payment plan.
I was making monthly payments of {$270.00} to Navient for nearly 2 years, then suddenly in XX/XX/2017, my payment skyrocketed to XXXX a month. 

I called them and was told to submit paperwork to lower the monthly amount. They didnt process the paperwork ( this was around XXXX ). Then when I didnt get a response, I called and the customer service rep was rude. 

I called again and that rep told me the paperwork wasnt processed because they couldnt read my pay stub. I resubmitted it, then I was turned down for the repayment plan. I initially filed a complaint with the better business bureau over this, to no avail. 

They have made my life miserable. Im broke paying what I can here and there. Im afraid to call them.
XXXX XXXX XXXX has been harassing me on and off for the past few years to pay a debt that is not mine. I have communicated this numerous times to XXXX XXXX and the various debt collection companies they use ( most recently Jefferson Capital Systems ). They fail to offer any evidence that this is my debt.
On XXXX15 during the blizzard in Massachusetts I had an insurance loss at my property located at XXXX XXXX XXXX XXXX Mass XXXX. XXXX XXXX  issued me two check for the loss, totaling {$26000.00}. I then was instructed by XXXX XXXX XXXX XXXX to sign and submit the checks to them, the Mortgage Company would then set up a Draw account for payments to be dispersed in the amounts of {$8900.00} to the contractor in three increments, when certain percentages of repairs where done. The first check was paid to its rightful recipient, which was XXXX XXXX ( contractor ) XXXX XXXX  The second and third checks were stolen and deposited into XXXX XXXX account with Citizens Bank XXXX, Mass. XXXX XXXX XXXX and XXXX XXXX XXXX were occupants of the mentioned property. By his own admission XXXX XXXX gave the checks to XXXX XXXX to deposit. I have also filed a complaint against XXXX XXXX regarding this incident and am currently in conversations with them. Citizens Bank, should have never cashed or either deposited or accepted this check from XXXX or XXXX XXXX whereas they were not payees on the Insurance check. Citizens Bank will not communicate with me, whereas they state I 'm not an active account holder. The Banks have regulations whereas third party checks with incorrect endorsements should n't be cashed. There were three names on the Check XXXX XXXX XXXX XXXX and XXXX XXXX. On one of the Check XXXX XXXX and XXXX XXXX never signed, however the checks were still excepted by a Citizens employee and negotiated. The contractor discontinued the repairs due to the funds not being paid to him. My basement still to date is n't complete and Citizens should be held responsible for returning the funds. Please find enclosed a copy of the checks that were signed by XXXX XXXX and deposited by either her or XXXX XXXX XXXX her son.
Also find enclosed a copy of the contract proposal from the contractor XXXX XXXX.
I received a credit to my bank account in the amount of {$350.00} for an on-line loan that I DID NOT apply for from Lendgreen. Then a debit went through the bank for {$150.00} for payment on the loan ( which I did n't apply for ) I contacted the bank and they instructed me to contact Lendgreen which I did. They verified with me that they did not have an account for me. ( thats why I called them ) They then verified with the bank that these transactions took place. They then informed me that they could not or would not do anything until I filed a fraud report with my local police department and fax or email them a copy. I filed the report and am awaiting a copy from the Sheriffs Dept.
Listed on my credit report is a XXXX account which all XXXX credit companies claims was updated and verified on XXXX/XXXX/2017 I called XXXX and they stated that there is no account listed under my social security number. name and or date of birth which means they are fraudulently reporting incorrect information on my credit report, I am requesting a removal with in 15 days.
Wells Fargo Home Mortgage has been stalking my home for months due to my family not being able to get the monthly payments in on time. The past two days I have been approached by one and followed by another. Which resulted in XXXX phone calls to the mortgage company to cease and desist having my home watched and was told they would not stop. This in turn resulted into me calling my local police department to file a formal complaint for stalking on a daily basis and harassment.
I was told by two representatives that the late fees would be fixed but then today I spoke to a manager and she told me the first late fee will not be fixed. I was charged a late fee for the month of XX/XX/XXXX. I paid the fee early in XX/XX/XXXX on XX/XX/XXXX. They took the payment as an additional payment and did not apply it to the next month because I paid the payment ahead. I was not aware of this when I made the payment. 
When I spoke to the manager they may have also been confused because I had also been told by representatives other reasons for the late fees. She did tell me they would only fix one. I will never pay Citibank early on my account now.
I wanted to inquire about the Chase violations of billing practices. Since XXXX I have been attempting to resolve the amount that was placed in collection total amount $ XXXX.However I have not been able to get a determination of who is the collection agency is. My acnt opened XXXX ; Closed XXXX ; Reported XXXX
The purpose of this hardship letter to explain XXXX XXXX and XXXX XXXX position of the hardship that occurred with a collision with the negligent driver. On XX/XX/XXXX XXXX XXXX was actively working as an XXXX XXXX XXXX XXXX and was the victim of a negligent driver performing an illegal traffic stop according to the local police report. As a result of the collision the car was deemed a total loss. XXXX spoke with a Wells Fargo representative on the issue of deferment after realizing there was no gap insurance to help cover the remaining balance. XXXX was advised not to defer and wait for the responsible party to cover the damages. On XX/XX/XXXX I spoke with agent XXXX # XXXX and requested a call back with a supervisor to negotiate the charge off and the impact on credit that did not happen within the time agreed. I called back and spoke with a supervisor with the option of a settlement plan. We agree with the settlement plan but the back dating of credit reporting we do not agree for the reason of the direction given by a Wells Fargo agent not to defer, we did not have possession of the vehicle, loss of supplemental income that was used during the application of the loan and financial hardship when XXXX could no longer work. I have included a letter of representation from the attorney. Thank you for your time.
PayPal credit account had wrong address, collections dept contacted me and we agreed if I paid off my account she would close the account I paid and received another bill for XXXX dollars
Accounts for XXXX on my Equifax report are listed as charged-off/bad debt. These debts were included in my chapter XXXX bankruptcy. I 've disputed with Equifax and the response I received is " This creditor has verified to OUR company that the current status is being reported correctly. '' I can verify this account was included in my CHXXXX, but they did not file a claim. I 've attached my Discharge recipient notice and can provide a copy of my CHXXXX filing if needed.
This account was managed by an un-authorized party. I have already submitted a notarized copy of the FTC Identity Theft Affidavit and I have also already let the creditor know about this account. I have already disputed this account multiple times without any luck. Please help me resolve this issue.
I recently inquired at various banks and direct lenders about taking out a HELOC to help pay for renovations on an investment property. I was put on a robo call list for Loan Depot after I made an inquiry on XXXX online. I was specific about my HELOC product when I filled out the initial screener questions from XXXX. 

I spoke to a representative from Loan Depot on XX/XX/18. I again reiterated with the screener that I was interested in obtained a HELOC on a rental property to pay for renovations. He assured me that was not a problem and would hand me off to a licensed individual with their company to ask a few more questions. 

I was then put into contact with XXXX XXXX XXXX XXXX Licensed Lending Officer NMLS # XXXX Phone : ( XXXX ) XXXX email : XXXX We spoke on the phone at length and he asked a few more questions about my goals and personal information for the online application. A no point did he clearly state that he was applying for a new mortgage on my rental property and never discussed that his company does NOT offer HELOCs on rental/investment properties. 

Only after completing a hard credit check and then discussing the various options did I figure out he was only trying to price me out on a new mortgage. He never apologized and became very defensive when I stated that I was only interested in a HELOC and was upset that he wasted my time ( and credit check ) on something I was never interested in. 

I spoke to his manager later that evening ( who was much are respectful and responsive to my situation ). Ultimately, I do not know if this was an honest mistake or if this is the result of some underlying corporate drive push aggressive sales tactics ( a la XXXX XXXX ) or maybe due to some overzealous licensed mortgage broker who is gunning for extra commission ( XXXX XXXX ) or maybe even a combination thereof.
I have been defending this money they are trying to collect, XX/XX/XXXX. I spend XXXX of ours to keep them from reporting falls report repeatedly for amount that has been removed luck of verification many times from the XXXX credit bureau. last year i file a complaint against and ... Bull City located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. My case went on till XX/XX/XXXX ; My complaint to this agency did n't stop Bullcity from getting my score information from credit bureau, which is illegal for them to do, it is against FTC law, they did't care, so any time they found out my score going up, they report it back, an amount that once and many times removed by changing the date of the report or slightly the amount. 

On XX/XX/XXXX negative report was reported as new complaint, even though, it was from XX/XX/XXXX, XXXX amount was reported two times to do more damage to my credit history. This is the same amount and case filed complaint to this organization XXXX XXXX XXXX last year. I spent hours of my time seeking solution, there was non, it seems this collection department has a license to harass and rune innocent citizens life.If any body is out there similar problem with this collection agency please contact the FTC as soon as possible. 

I tried to use the 90 day freeze policy by the credit bureau for fraudulent report, They wait till flag time collapse, they use, affiliated collection companies to enquire about my score and credit history first, my score is high they foudout, then they report it as new, for the intention to reduce my score. It became personal, they are working for third party an enemy who is known to me, to create problems around me. I do believe they are hired. 

Without the help XXXX, they will not have a chance to violate my rights, by law credit bureau should n't report an item once disputed and removed many times, but they did.
Near the end of a new mortgage application with Axia Home Loans in XXXX XXXX Nevada, during the 72 hours after receiving the final declaration notice, I cancelled the application. I then opted to complete the purchase for cash as the first escrow extension was about to expire and place the purchase in jeopardy. Days later, I received a statement of credit denial from the Axia Home Loan company in which they indicated the loan was denied due to credit issues. After a follow up email to the loan producer XXXX XXXX she assured me that my credit was fine and not the reason our business ended. She then asked for a few days to remedy the misinformation. When that time frame expired, I tried to contact her by phone in a final attempt to allow them to change their action and furnish a letter of termination. At this writing, I have received no further contact. Senior loan processer XXXX XXXX was also familiar with the application details and cancellation. She too offered correction to what I believe to be the punitive credit declaration.
I paid the total owed on my credit card account and maintained making payments in a timely manner. I submitted notification to the company that I am an XXXX XXXX service member as of XX/XX/2017. As a result, I am protected under the SCRA act. However ; the company sent me notification that my account was closed based on my credit report. I feel they checked my credit report based on my race and because I am a service member. There was no reason to close my account as it was paid in full and I did not have a balance.
Inquired are being submitted by auto dealers that were not authorized. They were told not to shotgun my info out and they did and a lot of inquiries I never signed a authorization paper or gave them permission.called transition nothing was done. Trans union readded deleted inquiries without sending me a reinserting letter.
Bank of america N.A., violated my privacy and disclosed my information to a third party without my consent. They also called me numerous times on a delinquent loan even after it was transferred to another institution, same way they did with reporting it to the bureau, after it was long time settled. I was also not informed that it 's being transferred to another company, with no chance to work out a plan. They never reported the account as in dispute. This same company who is regulated by the FDIC and the OCC and has on their back thousands of FDCPA claims, they have a problem when an individual who is not regulated by this regulations, nicely calls up their executives who are responsible for the bank, and have an idea to call it harassment, absurd! They called me day and night, even after being advised to cease and desist and to stop. Furthermore, they claim they ca n't delete a trad line per the FCRA, and are stubborn nasty on that more than any other bank out there, even though it 's been very close to retention, they wo n't go above and beyond and will not comply with the good faith and fair dealing act. However, when they are afraid of a legal claim against them related to FDCPA, they were suddenly wiling to also violate FCRA rules, if I should 've sign a waiver of claims and an NDA, based on what I was clearly told by XXXX XXXX XXXX, bottom line this bank had to pay billions of dollars for all their mishandling mortgages, and other claims, and were balled out by the government, although it was their fault and negligence, but when it comes to someone else, they are nasty, rude, ignorant. As of today the account is differently being reported to each bureau.
On XXXX/XXXX/2015, I received a phone call from an online computer service provider. They told me they were going to refund my fees paid to XXXX. After hours of trying to connect, they scamed me into allowing access to my bank account information. Showing me they had an account at the same credit union. Anyway they claimed to deposited excessive amount into my checking, ( which was transfered from my savings. ) And that i would have to send them a money gram for the excess. I did all this and realized what they had done and cancelled the money gram in time to get my funds returned. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a supervisor at this company. He ensured me everything was alright. and gave me a transfer id #. and showed me his account with XXXX XXXX XXXX XXXX. They requested funds be sent to a XXXX XXXX in XXXX.