WillisBack/dataset-financial-user-claim huggingface dataset:
I was on the Harp program with Citimrtgage and I got behind and asked for help in adjusting a payment for two months and they refused. I appealed the ruling and they placed me on Harp 2 which resulted in my loan being saved by XXXX XXXX. Throughout the process of re mod I paid a trial payment but Citimortgage put negative late payments on my credit while I was paying the trial payments. I want these late payments removed from my credit adapt.
I did use payment system from my banks to pay for my credit at XXXX, then my banks show they delivery check to the XXXX on XXXX/XXXX/XXXX 2 days before my due then on my new statement the company charge me XXXX dollars for late fee this not the first time they did that and they keep do that since XXXX and every month they did that, I call them and they wait for this month but nexth month they go up the charge almost double money.
On XX/XX/2018 and XX/XX/2018, I requested proper validation from Choice Recovery stating I wanted some type of contract between myself and the debt collector stating that I am legally liable for this debt and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. It has been long past the 30 day period this debt collector has to furnish such information.
Dear XXXX XXXX ( CEO of Ally Bank ), If you happen to read this comment, I want you to know that your customer service/retention is awful. My husband and I over nighted several checks written and signed to both of us and instead of depositing them into my account, a representative of your company gave us the run around and ultimately referred to your companies policy to deny a deposit for any reason. XXXX, what is the point of having an online bank if I also have to have an account with a brick and mortar bank to have checks deposited? I now have to wait on snail mail ( during the busy holiday season ) to receive our checks back and then open a brick and mortar bank account just to receive OUR money from these checks. As soon as it is possible for our family, we will be withdrawing our money and direct deposits from your bank and closing our account as you clearly are not a customer friendly bank. Get it together as the CEO of this company XXXX.
We got a letter in the mail from this company called AllianceOne Receivables Management , Inc.. Their address is XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX. The letter states that my grandma, XXXX XXXX has violitions with the port authority of my & nj dating back to XX/XX/XXXX. Since she never paid the " violitions '' they sent it to AllianceOne to collect the debt. my grandma paid this debt that same day we received the letter, XX/XX/XXXX in full in the amount of {$290.00}. The reference number is XXXX and the contact number is XXXX. I called ezpass after she paid and logged onto the ezpass account website to look for these violations, but they were not there and the representative said that there were no such violations ever that AllianceOne reported. We would like our refund back from AllianceOne and to report them for fraudulent charges.
I am filing this complaint today because of invalid information reported on my credit report, 'XXXX XXXX/XXXX ' XXXX  XXXX , Ohio XXXX, XXXX XXXX XXXX has been recording false information on my credit report. I am under a cordial agreement with the company, the agreement states that I'm scheduled to pay a balance of $ XXXX monthly, by the XXXX of each month. However, by choice I've been paying a total of $ XXXX monthly. This payment is drafted directly from my checking account each month on the agreed date. Although my payments are being paid on time the creditor has statements on my credit report insisting that my payments are being paid thirty, sixty, and ninety days late this is false. The inaccurate reporting is very damaging to my credit file. I have made numerous attempts to have the creditor correct this information via phone and dispute directly through the credit bureau. XXXX XXXX/XXXX  has disregarded each attempt and continued to report damaging false information.
I 've been experiencing financial problems and have been paying on my Macy 's credit card. Although it 's not the complete payment, it 's something. I have explained to the agency what I can pay and when and their repeated calls are really annoying. The calls have been going on for quite some time but I 've started to count the calls and between XXXX - XXXX I 've received XXXX calls as I 'm writing this letter. the numbers they use are XXXX or XXXX. 

What rights to I have as a consumer?
I manage all my bank accounts and credit card via XXXX. I saw one offer of American Express Credit card when i logged in there. According to XXXX - they are only placing the promotion/offer but it 's all done by american express. 

I clicked on the offer but the offer was changed at the time i landed into americanexpress.com The one that XXXX was showing was not having any annual fees but the one at the landing page at americanexpress.com was having {$95.00} annual fees. Card image and everything is the same. 

I chatted with american express regarding this ... but they are having mere denial kind of attitude. 

I strongly believe that American Express is tricking the customers by showing these kind of promotions on XXXX and XXXX ... provide a better offer on these websites ... but changes it when the customer goes to the american express website ... .this is so sick of american express to do so ... .unethical and immoral ... 

it seems that american express will do all the hook and crook to get the card members by deceiving them and tricking them.
Someone named XXXX XXXX ( XXXX? ) from Delta Management contacted the owner of the company I work for on XX/XX/18 at approximately XXXX asking to verify my employment for a personal financial matter. They were told to not call back any of the businesses, but they can send a letter requesting the information on official letterhead. 
At approximately XXXX on the same day, the co-owner of the company received a phone call on her cell phone from the same person, and was told the same thing. 
At XXXX the same day, this same person contacted one of our locations directly asking the same information again, even after now two times being told to not call any of the companies.
I called XXXX on XXXX XXXX, 2015 at XXXX. I asked the rep to provide all accounts appearing on my credit report to check for accuracy. He told me repeatedly that my report had not been updated since XXXX XXXX, 2015. He then insisted that I must pay for the monitoring service to " refresh '' my credit report. He stated that the FCRA does not allow them to change accounts and/or information on my credit report " without paying. '' He even stated that TransUnion could n't guarantee the accuracy of my credit report unless I paid for the monitoring service they offer. I was appalled that TransUnion would make such an unlawful assertion. That is kin to extortion, and at the very least unfair business practices in violation of the FCRA.
Without notifying me, BBVA Compass closed both of my accounts and withheld the funds previously contained therein. I later learned that they had done so based on derogatory information received from XXXX XXXX. BBVA Compass did not provide any notice as to their use of this information. 
BBVA Compass also held and restricted my access to the funds taken from the closed accounts without notifying me. BBVA Compass would have held the funds indefinitely if I had not acted in a way so as to regain control of them.
i asked for information to be removed as it was paid and released but credit reporting companies refused to remove items
I have attempted to make payments and stay current with AES/NCT ( National Collegiate Trust ) for years and have struggled. Each year my monthly payments rise significantly and this is to the point where I can no longer manage, I can not afford the current payment on my accounts with you all. I have more than one account with National Collegiate Trus totaling more than {$850.00} per month. This doesnt include my other student loans with XXXX XXXX and XXXX XXXX. In total I pay over 1,000 monthly to keep current with all my loans. The only lender who will not work with me and lower my payments to a reasonable amount is American education services and National Collegiate Trust the actual owner of the debt. I have called, written, begged, cried and pleaded with both companies and no one will help me at all. I am asking for a lower payment so I may pay, Im not trying to get out of my obligation, I just want to live and pay rather than giving you all my income and not be able to survive. Please review my accounts I pay {$590.00} alone on one AES account. This is the highest monthly payment I have out of all the loans and the one that I can no longer pay. my account is delinquent now and I call you all the time trying to get a lower payment. I have this account and my other account in my dads name ( XXXX XXXX XXXX ) with me as the co lender on that one. I currently paying XXXX $ on the account with my dad and XXXX $ on the account I spoke of earlier. I cant have a home, car, or cell phone because all take all my money and I cant do it anymore. I have contact NCT for a lower payment I have written my federal and state legislators. Why wont you all work with me and lower my payment. I dont want to be delinquent, I want to pay please make it so I can by making my payment reasonable. I literally dont have the amount youre asking for and have sold everything of value to stay current this long. I am asking you to please look over my account and allow me another option. My hair is failing out I cant eat cause I have no money so Im looking all sickly. All because I went to college, please help me. This is America, You all took away my American dream now Im just asking for a little of my life back. Please lower my payment, I want to pay but I cant pay what you all have me paying now. Account # : XXXX XXXX account # : XXXX
Amex platinum delta credit card has a refer a friend program where if you refer someone and they get approved, you are entitled to receive XXXX bonus miles. Back in the first week of XX/XX/XXXX (  Amex has the exact date ) i referred my wife by sending her the link provided from americanexpress.com in the email. She clicked on the link and applied for the card, she was approved right away. Couple of days went by and i did not see the referral miles show up in my account. I called Amex and they said it takes about 6 to 8 weeks. I called multiple times after a few weeks and then was told the same story. After a while, i decided to open up a complaint with Amex about this issue and escalate it. They opened the complaint ( Amex has the exact date ). Ever since then i have been calling Amex and they are saying that they are still reviewing, It has been since XX/XX/XXXX that i have been calling Amex and they have not issued what i am entitled for. To everyone who is reading this, i have been a member of Amex since XX/XX/XXXX and i urge you to stop your business with Amex as at this point they are in the very shady business. I have immediately stopped using all my AMEX cards and my wife has also stopped using her card.
Torres Credit Services has continued to collect on an {$85.00} utility bill that was discharged in bankruptcy. As a result the collection item has been placed on my credit for ALL three major credit bureaus ( XXXX ). 

Torres Credit Services has refused to remove this item from my credit thus negativaly impacting my credit. They have violated the FCRA/FDCA by reporting on this debt as valid since it was discharged in bankruptcy.
I had a debit card only account with Chase and it was impossible for me to have insufficient funds in my account.
Shellpoint Mortgage has not solved issues of unjustified billing of {$3100.00}, erroneously filing credit reports and turning over my title to a Utah attorney for foreclosure, when I was in good standing. I have been trying to solve these issues with Shellpoint since XXXX XXXX XXXX 2016. 

I am trying to close on a refi and their continued lack of effort, is holding up the process and correspondingly increasing my payment, with interest rates going up and having to pay for another appraisal because of their delaying the close. My Mortgage company will not close without these issues being resolved. 

Shellpoint has already admitted their error and corrected the credit bureaus now I just want my money back.
Identity stolen a while ago, and police reports were sent to XXXX and collection agency to stop collection on an account that was opened in my identity. 1 year later and they are still putting collections in my credit reports dropping my score even though I have proof I faxed them police reports to stop.
I have been contacted by a collection agency on behalf of CashNetUSA. I asked for verification of debt to be mailed to me, I was instead placed on hold and told that I had XXXX hour to respond to them or they would file charges. I advised that under federal law it was illegal to threaten me. I was then told they know the law and accused me of not wanting to pay a debt I owe. When I stated I wanted to verify I owe the debt and it was n't fraud, I was asked if I have a police report. Advised I do not because they have not sent me written verification in order to do so. I was then threated again that charges would be filed. 

This is a clear violation of federal law. They would not provide me with the company name, instead the supervisor hung up on me. Another violation. I called back and asked for the company name and was only given XXXX.
XXXX XXXX credit card was a paid and settled charge off on XX/XX/2017 XXXX was paid and suppose to say in comments on my three credit reports as a paid charge off. Paid and settled account
We feel Financial Freedom ( a division of CIT Bank, N.A. ) neglected to inform us ( during our loan workout effort ) that they are not required to conform to Consumer Financial Protection Bureau ( CFPB ) regulations regarding " Dual Tracking '' in the foreclosure context. Other types of mortgage lenders are not allowed to pursue foreclosure while simultaneously considering delinquent loan mitigation. Because these CFPB " Dual Tracking '' regulations supposedly do not pertain to reverse mortgages, our home was suddenly foreclosed on during the final stage of a " Loan Rescue Program '' through the Step Forward Michigan Hardest-Hit Fund. We were in the " Underwriting '' stage where Step Forward requests default payoff balances from Financial Freedom ( a participating Step Forward partner ) when Financial Freedom proceeded with the unfortunate Sheriff sale to XXXX XXXX for {$120000.00}. 
We know both parties have had communication in regard to our Step Forward Michigan CASE and that the servicer can not start the foreclosure process if loss mitigation is pending, but they did. They should have agreed to a settlement of our {$6300.00} delinquent account, but because of Financial Freedoms noncompliance with CFPB " Dual Tracking '' rules, we lost our home through this deception.
It 's been well over a year now, and I 'm still battling with  XXXX  and Experian to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and th e CEO 's and leaders of these companies should be ashamed of themselves. These collections are   keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
I applied for a rush card on XX/XX/2015 and supposed to received it in 7 to 10 days. I received my first card but have n't received my other one with my money on it from my department. I called rushcard multiple times and ca n't get any answers. I checked online of XX/XX/2015 and it said I bad {$900.00} on there but when I checked later on it said {$0.00}. I have n't received my card even to get my money.im late on my car note, light bill, and loans I have to pay.
I appealed to my lender to reverse the first and only 30 day late reported on my credit report ever! I explained that it was the fault of my broker, and I hoped they would understand and that I would comply with any stipulations they might require in order to move forward.
This XXXX account was reinserted to my credit report without being properly verified. This account does not belong to me. I contacted XXXX to validate the account to send me a signed credit application and they could not produce one. you did no verify this information pursuant to the FCRA, and Transunion reinserted this account. If this XXXX account does not get removed asap and continues to appear on my credit report, I shall find it necessary to sue you for defamation damages and declaratory relief. 

Under the FCRA, a creditor has the responsibility to investigate and verify the information reported to the credit bureaus, and consumers have the right to sue if their request for verification is not complied with. 

I look forward to a speedy resolution of this issue. This is my last attempt for I will sue Transunion just like The case is XXXX v. Trans Union LLC, case number XXXX, in the XXXX District of Virginia .
The below inquires do not belong to me and I did n't ask for credit, I want these removed from my credit report. 





XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Wr XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + XXXX. 




XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + Bank XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I wrote a check for {$4200.00}. The date I wrote on the check was XXXX XXXX, 2015. At this date I would have had sufficient funds in my account. Wells Fargo allowed this check to be cashed on XXXX XXXX. This caused my account to be over withdrawn by {$800.00}. Had the check been cashed XXXX XXXX, my account would NOT be over-withdrawn. I made XXXX purchases the same day the check was cashed and these were subjected to {$35.00} overdraft fees. None of these purchases were more than {$20.00}. Wells Fargo reimbursed me in full for XXXX {$35.00} charge but will only reimburse me {$17.00} for each of the other XXXX {$35.00} fees. Wells Fargo should have bounced the check and not allowed my account to have been over withdrawn by {$800.00}. I should only be paying for XXXX returned item fee, which according to my research is {$35.00}. I spoke to a teller on the phone. She stated that when a customer has insufficient funds, sometimes this check is allowed to be cashed and sometimes it bounces. According to this teller, this decision is not made manually, but by a computer. Wells Fargo is not transparent about this particular algorithm, and they need to be. This is an issue of fair banking. If I were someone at WF and had to design an algorithm that decided whether the check should be cashed and the customer subjected to multiple over draft fees versus a check should bounce, it is obvious that the former would be preferable in my case. In the case of the former, Wells Fargo has opportunities to subject small purchases ( such as my XXXX purchases ALL under {$20.00} ) to multiple {$35.00} over draft fees before the customer realizes his/her account is over withdrawn. Of course Wells Fargo has an incentive NOT to bounce my check! This is what they should have done. Looking at my bank account, it is obvious I am not a wealthy customer and it is obvious I make many small transactions throughout the day. As far as I see, I am an ideal customer for charging multiple {$35.00} overdraft fees, as opposed to a single returned item fee. I do n't know if the WF algorithm that chooses " cash '' or " bounce '' factored these variables into their decision, but I and all Wells Fargo customers deserve to know so we can make informed decisions about our spending and informed decisions about who we chose as our bank. 

I would also like to mention that Wells Fargo did not send me notification of insufficient funds until XXXX XXXX at XXXX. According to a teller I spoke with on the phone, if I had noticed my account was over withdrawn immediately and made a deposit into my account of {$800.00} by XXXX XXXX at XXXX, I would not been subject to the {$35.00} fees. That I would receive an email from Wells Fargo nearly XXXX hours after this time further highlights their strategy to prevent customers from salvaging their financial errors. A screen shot of this email as well as a screenshot of my check are attachments on this complaint. 

Wells Fargo needs to pay me {$17.00} X XXXX for the remaining fees.
I have reported the information to the company. However, I did not receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Credco '' XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
account XXXX First Federal Credit Control is not able to provide any signed correspondences showing that this provider was to turn accounts over to collections and/or bill. The company has yet to provide proof of this alleged debt, which the dates and/or services along side alleged debt is being disputed. Per this dispute along side the fact that First Federal Credit Control can not provide reasonable evidence that this debt is owed, this needs to be off my credit report.