WillisBack/dataset-financial-user-claim huggingface dataset:
This will be my 3rd complaint with CFPB against XXXX XXXX XXXX dba XXXX XXXX. Two prior attempts have been tried to resolve the issues at hand and the company continues to drag there feet and cause hardship for a cut and dry claim on the credit protection for my XXXX card. As pictured in the uploaded Continental Credit Protection Agreement Item # 7 Minimum Payment Due states The Amount due on your account as NOTED on your MONTHLY billing statement UNDER MINIMUM PAYMENT DUE. Please see last bill i have in my possession dated due XXXX XXXX XXXX Minimum amount due of {$310.00}. I have no access to newer bills with higher minimum amount due. XXXX has removed all E-Billing statements from my account at time of first complaint. Per 2 prior attempts i also sent in VIA US Mail the attached document showing my pay dates and amounts with the official South Carolina Department of Workforce Seal. They state that this is an identical one to one i sent in XXXX and are denying continuing benefits. The date clearly shows i remain unemployed as of today date XXXX/XXXX/XXXX and during the time they have requested. They still have not covered the proper amount of payments on this account. And are fighting to withhold any payment they can on the account. They need to be investigated for FRAUD.  They prematurely charged off this account. Deleted billing statements for XXXX XXXX XXXX XXXX. Showing the minimum payment in excess of credit line and that account credit protection remained in effect.
Good evening XXXX.XXXX, I understand your position, I have made payments to the citi prestige card ending in XXXX. 
I recently sent over documentation other than the stop payment order I issued on XXXX XXXX, XXXX. When I noticed that the payment was not received by citibank issued the stop payment to protect my account information I attempted to contact you via telephone yesterday and today both attempts were unsuccessful.I have attached via email and fax canceled checks indicating I paid double the minimum amount due for the prestige account I thought that by paying the current month and following month would keep the account current.I was not aware the account had gone past due I never received any contact from Citibank regarding any of my accounts when you stated my citi simplicity card ending in XXXX was past due I immediately made payment on the account. In addition, i would like to add that if I had received a statement indicating the balance and the amount owed for the citi simplicity card ending in XXXX. I would have made payment on time I have impeccable credit as you may have known to qualify for the citi prestige card you must have excellent credit. To my knowledge, Citibank had failed to inform by mail or telephone about my account status I have been with Citi for over 20 years XXXX.XXXX only when you informed me that my account ending in XXXX was past due was the only information that was sent to me stating the past due status.I will contact using the telephone you provided to give you more information to receive a better resolution than before. I am very thankful for your help in this situation. Hopefully, with the new information, i have provided will overturn your initial decision. 




Highest Regards, XXXX XXXX XXXX Contact information Home # XXXX Cell XXXX Email XXXXXXXXXXXX
XXXX/LOWES I have written letters and called multiple times to have a closed account from being reported to the credit agencies as agreed by the creditors when the debt was paid. 

They continue to report the account as a charge off.
I agreed to pay a settlement amount of XXXX and MIDLAND CREDIT MANAGEMENT charged me XXXX for the same payment, which was XXXX XXXX times.
I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Transunion credit report
Citicards misrepresents balances and makes it impossible to pay them in full. In fact their rep just told me that although I paid my balance in full the month before, I will still be charged interest until I pay in full XXXX months in a row. I am paying interest on the interest of a XXXX balance account. Despite the fact that they list a "Previous Statement Balance" and a "CURRENT Statement Balance" you never actually get the correct balance. So you ALWAYS HAVE A BALANCE even when you have PAID IN FULL THE MONTH BEFORE. Call them or online chat with them and you get an endless cycle of NONSENSE!!!!!!!!! One operator will tell you to pay a certain amount and the next tells you to only pay the balance listed.....it should be criminal.
Co signed my sons student loan through wells fargo. I have been hit on m credit report XXXX times. My son has XXXX different loans co signed by different people. Mine was the XXXX and wells fargo assigned the same account number for XXXX. every-time my son makes a payment they arbitrarily assigned the payment where they want and often times my loan does n't get paid in full. I call wells fargo but they cant talk to me because there are other people on the loan number. I do n't get notification of anything. I made a credit report complaint but the poor marks remain on my credit. wells fargo should never have assigned the same acct. number to XXXX different loans/
To whom  it may con cern, I 'd like to make a complain abo ut RISE Credit. W e originally signed up for a {$3000.00} with an interest rate of 208 %. I have been paying {$520.00} every month and paid a total of {$5500.00} and they want me to pay them  until 2018. This  has been a burden for me and my family. As an  XXXX   XXXX  military member i have reached out to my chain of command regarding this issue. I have been advised by financial counselors that in accordance w ith Military Lending  Act says that you ca n't be charged an interest rate higher than 36 % on most types of consumer loans and provides other significant rights. I am currently working with my loca l Judge Advocate General 's Office to g et some help with legal issues.
The debt from the Afni debt collector is not mine. I have called on 2 separate occasions to resolve this and make them aware and both times the issue was not resolved. The 1st time I called and told them this amounts of {$1200.00} and {$340.00} were not my debt and must be fraud they said " unless I have a police report there was nothing they could do ''. The second time I called they told me they would remove both amounts from my credit report. It has been over 30 days and both amounts are on my report still.
XX/XX/2018 card was declined i called the company capital one and i was told they suspected fraud because my mailing address was changed .Apparently during the conversion from Cabelas credit being sold to capitol one due to the merger of bass pro shops and Cabelas some XXXX at capitol imput my home address incorrectly a new card was issued to me however they never sent a new card for my husband. he called and was told on two seperate occasions that a new card was on the way The first was regular mail and the second was to be expedited overnight, Neither card was ever sent after repeated calls to capitol one they told me the cards were not sent. my husband was so livid he called and cancelled his card and explained to Capitol one not to cancel my card. well capitol one did just that they still have not resolved the issue and i have not recived a new card, totally disgusted being lied to directly by a financial institution. If I did not have XXXX in accumulated points at Cabelas I would cancel my card but i can't use my points without a card thanks XXXX XXXX XXXX XXXX
Some of the items have already been disputed and reversed, but not all and new accounts came in after my initial look. So far, XXXX accounts were opened : XXXX - Account closed and marked as fraud. Spoke with representative who stated it was opened in person at XXXX XXXX XXXX in XXXX, Colorado XXXX XXXX - Under investigation XXXX - Waiting for documents to begin investigation XXXX - Investigation complete, account closed as fraudulent and charges are being written off. 
XXXX - Under investigation
I have a Land Patent issued to my property, which means : A patent issued, by the government of the United States is legal and conclusive evidence of title to the land/property described therein. No equitable interest, however strong, to land described in such a patent, can prevail at law, against the patent. 

The supreme court of the United States of America has upheld this time after time. No government, local, state, or federal, bank, mortgage company or speculator can take it, period. It has consistently ruled against the taking of these lands/properties for debt, which includes foreclosures, and even unpaid taxes. 

The Homestead Act stated in Section 4 : " That no lands acquired under the provisions of this act shall in any event become liable to the satisfaction of any debt or debts contracted prior to the issuing of the patent therefor ''. 

Allodial property can not be foreclosed upon or liened.

a patent to property is the highest evidence of title and may not be collaterally attacked [ State v. Crawford, 441p2d 586,590 ( Ariz. app.1968 ) ] the land patent is the highest evidence of title and is immune from collateral attack. [ Raestle v. Whitson, 582 p.2d 170,172 ( 1978 ) ] With all this, I'm filing a complaint against J P Morgan Chase Bank @ XXXX XXXX XXXX, XXXX , OH XXXX, and XXXX XXXX XXXX @ XXXX XXXX XXXX , XXXX XXXX, XXXX , TX XXXX, for wrongfully, unlawfully and illegally autioning the sell of my property @ XXXX XXXX XXXX, XXXX , TX XXXX on XX/XX/XXXX. Chase was given a copy via certified mail, of the Land Patent that has been brought up in my name, and therefore they don't have the legal authority to sell my property for which is in direct violation of the federal law. 

Therefore, I demand that Chase and their attorney immediately stop the sell of my property on XX/XX/XXXX of XXXX.
I have made Several disputes with the credit reporting agency about the account is being reported inaccurately Open. The account has been " CLOSED '' since XX/XX/XXXX. The account appeared open after a dispute of a newly added account by the collection Agency XXXX. On XX/XX/XXXX the accounts suddenly was reported to the credit bureau as " OPEN ''. I have made an dispute. My credit file was corrected, The accounts appeared Closed on XX/XX/XXXX-XX/XX/XXXX. 
On XX/XX/XXXX XXXX reported the account as " OPEN '' right after i have corrected that it was inaccurately Reported as Open. I have made another dispute.. My credit file was corrected, The accounts appeared closed on XX/XX/XXXX-XX/XX/XXXX. 
On XX/XX/XXXX XXXX reported my accounts as open again. 

What can be done here?
I have a XXXXXXXX XXXX XXXX account on my credit report that is showing numerous lates. this account was never late, and was paid off in XXXX of 2012! This account does not appear on any other credit report. I have disputed it, but it now appears as paid with many lates.
Weltman , Weinberg & Reis Co. , L.P.A . Call multiple times a day multiple times a week, most days starting at XXXX MST. I have reached out to them through their website for a payment plan with no response. I have these debts because XXXX and XXXX XXXX XXXX XXXX refused to work with me on payments so I paid what I could until they defaulted ( I now have two loans at Weltman, Weinberg & Reis Co., L.P.A ). Please stop calling and harassing me early in the morning and multiple times a week. I know the issue and I reached out to you with what I can pay, and that 's all I can pay. Calling me multiple times a day and week about either loan will not increase The amount I can pay. I have always wanted to pay these loans and still want to pay them, It just needs to be within my budget because I ca n't pay anyone what I do n't physically have. I do n't have any assets to sell to pay or else that would have already been done, these loans have taken everything from me, any chance of owning anything is gone. My mental peace is gone. The best way to reach me is through email as I live in the mountains and the chances of any call I answer being dropped shortly after answering are high.
We have decided after paying off my husbands student loans to make extra payments on mine to pay them off quickly with less interest. We went on the mygreatlakes.org website to pay a {$400.00} extra payment. My husband noticed pretty quickly that the website was not set up in a way to find " important '' repayment information. He tried to find out what my different loan interest rates were and I said, " no it is just XXXX loan ''. He has had more experience with these matters and informed me that there were actually several loans which would have different interest rates. He could not find them so he used the search function entering " my interest rate '' ... which did not lead to the interest rate. Now he was irritated and motivated to find them, which he did finally find them under a tab that was titled " Student Loan obligation Statement ''. With that completed we went on to make our extra payment on the highest interest rate loan. After going through the entire online payment process he realized it did not allude to nor give an option to pay the loans separately nor identify any of the interest rates. Frustrated he called them and asked how he would go about paying on XXXX loan? We were informed that you can not do it online ; we have been in other online websites for student loans which all show interest rates and give the option to apply your extra payment as you see fit. To apply the payment to a specific loan we had to call in and ask them to do such. Then he asked for email confirmation that this conversation had taken place and they were going to apply the money as requested. She said no we ca n't give you any confirmation you will have to call back in a couple of days to find out if it was done ... unreal. Another item to think about is that if you make any payment, although their website states how it is applies, there is no way to confirm or verify what was done with your money. There is no history or tracking of monies applied only monies paid ; talk about a lack of accountability to the customer. I am afraid that mistakes happen and errors can be made ... we, the account holders, should have full disclosure of all MONIES paid and how they are applied rather than a payment. 
My husband has the knowledge to see these things, but most I would say, including myself, do not. It would be nothing for this company to take advantage of us since there is literally no way to see or dispute anything they do. At best this is poor design, management, and oversight ... at worst this could be criminal. We have pics of the sight to show our claims if needed.
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Actions taken by me on XX/XX/2017 Wrote Company a letter - no response - They have now turned over to collection agency.

Getting calls & letters.

The company also called my parents regarding this account.

Attached copies of letter from me. And copy of letter from collection agency Thank you, XXXX XXXX
I was a victim of fraud, I ask XXXX to fix the situation and was denied on multiple occasions. I asked XXXX  who has been reporting this on my credit account for about 12 years now to stop. I asked for the original instrument of indebtedness in its original form and did not receive a response within the 30 days. I was then sent an altered document which did n't even has my proper social security number, not the original document I asked for in its original form. I contacted the three credit reporting agencies and pleaded with them to stop and they kept on reporting the negative inquiries on my credit which has affected me throughout the years. please help me
On XX/XX/18, an item that had been previously paid before collections was finally removed from my credit report. This is a debt that I have been disputing for years now. Held by XXXX in the amount of {$220.00}. XXXX agreed to close my account under the condition that I return the phone that was being leased. This was to cover what was left on the phone to pay. Months later, I received a collection notice. I contacted XXXX, begged them to look into the phone conversations that took place to confirm that I was in fact told that I could leave XXXX XXXX and clear by sending them my phone and they said that in the fine print of the contract, it states I would have to pay off the phone and then keep it. They said there was nothing they could do now that they sent it to collections and the refused to send my phone back. This " debt '' has passed through XXXX XXXX now, and it has been removed twice. It's been reinserted for the second time. Not ONCE was I notified that an item was reinserted to my credit report. Not by the collection agencies and not by XXXX or any other bureau. I have been in the process of trying to repair my credit and keep hitting brick walls with this collection. I want it removed. This was settled years ago after I sent them their immaculately maintained phone. Further, I have lost most respect for these credit bureaus. They have responsibility over our entire lives by reporting debts correctly and more often than not I have found that they are inaccurate. I have NEVER once received notice that an item was reinserted on my report and this has happened before.
On XXXX XXXX, 2017 I received a letter saying that my dispute was declined because my evidence ( opinion from second merchant ) was not as described or correct. I went back to the second merchant and received clear proof that what the first merchant ( the charge on my credit card ) did was wrong and not as described. It  shows that whereas the first merchant says they rebuilt the transmission, they actually put in an old transmission, which was the reason the transmission was shifting hard, which shows that the problems were caused do to the work performed by the merchant. This is clear indication that I was fraudulently charged for services I did not receive. 

I have tried contacting Citi about this but no one has contacted me back. I was told someone would reach out to me regarding this dispute, but no one did. Today, XXXX XXXX, I was told that call volume is too high. Citi is not supporting me in this difficult transaction, because the merchant broke my car and his faulty service left me without a car for weeks ; I lost a lot of money and the merchant did not perform the services he said he did. Citi has an obligation to support me because I am the customer. The merchant has deceived, lied, and defrauded me out of my money and citi needs to remove both of these charges for XXXX on the diamond preferred and XXXX on the simplicity card, because I have gotten the proof they have requested. This has been a long and tedious process and I would like for citi to not help the business rob me.
I had a {$5000.00} line of credit with Santander Bank. I never used it and canceled the credit line long ago. Santander continues to bill me for fees, for interest on the fees, and other charges that I do not owe. I reported this to their fraud department three weeks ago. The fraud department said they would close the line of credit. They never did and I get dunning letters and calls almost every day. I have explained the situation about a dozen times, and each person says they will take care of it, and they never do.
I paid off a XX/XX/XXXX from AutoTrakk XXXX. The agreement was XXXX dollars to close the account. I kept the arrangement and paid the monies as requested. Auto Trakk updated the credit report to say Paid, Closed. However Since then Auto Trakk has been reporting on my credit report for 10 months last reporting was XXXX. Causing my credit score to go down XXXX points
On XX/XX/XXXX I called American Express ( XXXX ) to redeem cash rewards on my Blue Cash Everyday Card. The person I spoke with processed my cash rewards and encouraged me to sign up for the Blue Cash Preferred Card ( {$95.00} annual fee ). My current card has no annual fee. I said I would need to determine that the increased rewards on the card being offered would more than offset the annual fee on that card. I was told that inXX/XX/XXXX I made {$4900.00} in purchases at supermarkets and {$6000.00} at gas stations. Those figures confirmed the increased rewards more than offset the annual fee of the new card. I agreed to change to the new card. Later the same day, I thought the purchases given to me seemed excessive. I have all my statements forXX/XX/XXXX and they are available on my personal American Express credit card account page. I totaled my purchases for XX/XX/XXXX at supermarkets and gas stations at {$1800.00} and {$2100.00} respectively. I've since cancelled the change to the new card. To date I haven't incurred any loss as a result of this matter. If that changes in the future, I'll proceed settle this matter.
I previously have had an account with Bank of America they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Bank of America closed my account and refunded my money that was still in the account. I have tried to contact Bank of America repeatedly for assistance with this matter and have had no luck in doing so.
I have a citicard CBNA balance on my credit report of {$4200.00}. I have no idea what this is. I had a citicard XXXX card but the balance was paid off in full last year. I need this removed from my credit report!!
Zwicker and Associates did not follow the proper procedures before placing the garnishment on my checking account and they refuse to allow me to remedy the situation. I called several times to try to come to a settlement or set up payment arrangements, to no avail. I should have had notice of the garnishment and judgment filed against me, but I did not. 

I was never notified of the garnishment by this agency. Instead, I was taken by surprise when I tried to access my accounts at my bank. I was originally summoned to appear in court in XXXX 2016. However, I was not able to appear in court because of recently having had a baby XXXX the week before. 

This agency has refused to allow me to make payment arrangements and as a result, the judgment and the surprise of this garnishment places an undue burden on my household and puts my job at risk. I have XXXX children, have to pay daycare, and most importantly - I have to keep my job so I can pay rent. I am experiencing financial hardship as a result of this garnishment and this agency refuses to show remorse.
I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, 2017, CASE NO. XXXX AND NATIONSTAR FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.
Currently the Department of Education/NELNET is reporting to the XXXX major credit reporting agencies negative events of 120 day late related to my past account XXXX from XXXX XXXX. I subsequently filed bankruptcy chapter XXXX XXXX XXXX and included these loans in that proceeding. Pursuant to Chapter XXXX bankruptcy guidelines late reporting should cease at the time of filing. The Department of Education/NELNET continues to report this information after numerous disputes to all three of the CRA 's. After the conclusion of the chapter XXXX bankruptcy process and subsequent discharge the student loans have been refinanced.