WillisBack/dataset-financial-user-claim huggingface dataset:
I have about four accounts and all four are backed by XXXX XXXX. For whatever reason, one payment, this payment to XXXX XXXX is not getting applied correctly and the others have. Payments are being applied and this account has spiraled out of control. This happened once before and was corrected. This time once corrected I will either pay using a different method or figure out a way to pay off completely. Please waive any late fees, a revert interest rate back to lower rate if increased.
I have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with USAA/Nationstar after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by USAA/XXXX as of XXXX XXXX for my XXXX loan. I have also asked for my FICA score to be reversed due to USAA/XXXX not submitting payments made since XXXX XXXX after cashing checks with my XXXX loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, XXXX XXXX
XXXX XXXX, XXXX, my husband and I went to XXXX XXXX, XXXX IN to look at vehicles. We thought we had purchased a XXXX Ford Edge. Ally financial was the finance company who was financing the vehicle. We took the vehicle home that same night. I put insurance on it but I was never able to register the vehicle. I received a letter of denial from Ally date XXXX XXXX, XXXX stating they could not finance the vehicle. I called Ally and I called XXXX in regards to the letter of denial. Ally said I should contact XXXX. I returned the car on XXXX XXXX, XXXX. I could not get anywhere with XXXX. Ally processed the loan anyway even though I had returned the car. The car was sold at auction some time around XX/XX/XXXX. Then they claimed that I still owed them {$8800.00}. This is a charge off. I do not owe them anything. There was never any agreement to the modified terms of the contract. I never signed any additional papers. There was no meeting of the minds. And once you make changes to the original contract that voids the deal. Which is what happened. I have supporting documents to prove my case.
We have been working or a Short Sale for Select Portfolio Servicing for a Loan for XXXX Bank Loan No. XXXX for XXXX XXXX at XXXX XXXX XXXX, XXXX, Florida XXXX. We had an approval letter that expired on XXXX/XXXX/2015 we asked for an extension on XXXX/XXXX/2015 with a credit toward closing cost and provided how the roof has no life left and the plumbing needs to be all re done. 
We were told on XXXX/XXXX/2015 that it would be XXXX business days. Then we were today XXXX business days. We were contacted by a lady named XXXX from XXXX on XXXX/XXXX/2015 asking for changes to the HUD and saying we should have approval by Friday XXXX/XXXX/2015. We called each day and then on Friday we called and were told by XXXX XXXX at EX XXXX that a manager would contact us by XXXX EST. Ofcourse, this did not happen, we called back to be told by XXXX XXXX a Manager that the file for extension was declined on XXXX and that us resubmitting on XXXX/XXXX/2015 is too close to the short sale date of XXXX/XXXX/2015. I have had many files with XXXX and know this is how they do this. I advised them on a recorded line that they were going to pull this game. 

This is not working for the homeowners or for the best interest of the economy. You have a ready willing and able buyer to purchase a run down property and make it habitable and the Banks are not willing to proceed. 
The Offer on this property is XXXX with a Net to the Bank XXXX XXXX on a Loan amount of XXXX. I would say the numbers work on this.
On the XXXX of XXXX, someone in far away California, who had probably found a way to clone my card, and deduce my pin number ( as informed by Police ) went ahead and deducted {$160.00} from my account. At XXXX on the same day, I in XXXX Maryland tried to check for my payment from my job, and found the said amount had been deducted, since then I have requested investigation, reported to the Police, yet Citibank keeps reimbursing and then going ahead to later deduct this said amount, after they claim that " this activity is consistent with my normal banking activities '' ... Please how would I have used my ATM in California at XXXX and then come to my bank in Maryland at XXXX and XXXX to complain?? How could I have gone to work the night before in Maryland then be in California by XXXX on XXXX??
There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$790.00} Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1000.00} Docket # : XXXX Plaintiff : XXXX Balance : {$2700.00} : I even contacted the court house and they said they do n't verify information with the credit bureaus. Therefore, I do n't think a proper investigation was ever done with I disputed these account. XXXX and XXXX already deleted them but it seems that Equifax is in violation of the FCRA.
Back in XXXX I opened what I believed to be a credit card for my business which was personally guaranteed by myself and my business partner at that time from Capital One. I closed the business in XXXX and took paying the Capital One account as my own personal debt. I continued working for a short time as I was well into a XXXX. I stopped working once I had the baby and was surviving off of whatever credit cards I had, savings and whatever I could get from selling personal belongings that I owned as I had a household to run and was a single mother. Shortly after business closed and I took on this debt as well as another I called Capital One to have my partner at the time removed from the account. When I could n't keep up with the payments I called a bankruptcy attorney who advised me to just let it go as I did n't own anything and there was n't anyway I could make payments. I never received any paperwork regarding the fact that it was an SBA backed account, I did n't receive a notice of a court date, I did n't receive a XXXX as these are things I was told I should have at some point received when I discovered this now became a federal issue in XXXX of XXXX. My issue is not with the SBA, my issue is the amount owed and the fact that I was told it was a disaster relief loan. I feel that Capital One did something very dishonest. The Treasury is looking for close to {$32000.00} on behalf of the SBA who covered the entire amount of credit card debt at the same time I am receiving notices from a debt recovery service for the original defaulted upon amount. I am looking for CFPB to look into the account with Capital One that was a credit card account to me, as I do not remember having any form of a check book as a line of credit. I feel as something is very wrong with Capital One. I did not nor did my business partner sit in front of a loan officer for a loan, I was told recently that is was for a disaster relief loan, we owned a XXXX XXXX, not sure how that fits. If it is as they say it is Capital One should have received 50 % of the original amount in insurance. I 'm looking to resolve this issue and unfortunately it is way beyond my means as it stands. One call to SBA I was told could n't have been backed by them and maybe there was confusion on someones end that maybe its the Small Business Association. I 'm not sure who the lending officer is on behalf of Capital One who 's status reads SBA loan officer. The other thing is the account I 'm referring to my partner was removed from it and never received any notice, call or anything else from Capital One or a collection agency. First she knew of it was when her refund too was withheld in XXXX. I contacted an attorney and sat with him for a consultation, he said paperwork did n't appear to be in order and it would take hours and hours of investigation which would be extremely costly and advised I contact the CFPB.
I became unemployed in early XX/XX/XXXX and fell behind on payments, I have never been behind on my payments or needed assistance in the past before this event. While unemployed I was unable to pay my mortgage payments so asked Chase for assistance to be able to be able to keep my home. They put me on a Forbearance plan to make 3 payments of XXXX to get to the end of the year. I worked hard to become employed and told Chase when I got a job ... without my knowledge they took me out of Forbearance and placed me back into foreclosure. I did everything they had asked me to do and got denied twice for loan modification. After the second denial they told me to contact a realtor about short selling my house. I did just that and got great news that I didn't have to have a short sale or foreclosure on my records for my specific property that I could sell it and not affect the homes value. I did everything possible to make the house presentable so that Chase could get their money back asap. I was fortunate enough to get an offer the second day on market to a buyer who was understanding of the properties situation and asked Chase to move back the foreclosure date from XX/XX/XXXX to XX/XX/XXXX to allow this deal to go through. They denied my request and insist on foreclosing out this property. The foreclosure of this property doesn't only hurt our family unnecessarily but the homes value, our neighborhoods value, the future buyer of the home for just 41 days of a difference. This is the reason I am filing this complaint ... we are not trying to be unreasonable we are just trying to do the best for all parties involved.
My Name, Is XXXX XXXX. 
I would like to complain the ChexSystems XXXX The giving a negative report agains me thats why I cant open a account to any banks I trying to get the information or the report agains me using Electronic system and they said I need to wait within two business days but its already one week I never Receive mail from them..
Date : XX/XX/2018 Minimum amount due : {$49.00} Date of attempted payment processing : XX/XX/2018 XXXX PST ( XXXX CT ) Hello There, I'm writing to file a complaint about XXXX XXXX XXXX   `` Cardmember Services ''. Today at XXXX PST I attempted to process my minimum amount due of {$49.00} and XXXX XXXX XXXX refused to process my payment on today 's date of XX/XX/2018. 

Alternatively they decided to process my minimum payment for tomorrow 's date of XX/XX/2018, which of course -- incurs a late fee. Tucked neatly away into XXXX 's literature the consumer is expected to make a payment before XXXX Kansas time on the date of their minimum due. 

I find this business practice to be unethical, misleading, and opportunistic. The whole of Western Civilization has decided that 'a day ' is over after midnight. I find it fascinating that XXXX reserves the right to decide when the day is over. Most people in Arizona aren't even off of work by the time XXXX decides to cut off receiving payments. 

Naturally, Cardmember Services ( XXXX ) knows this business practice will ultimately yield more profit at the expense of the consumer given the inconvenience it causes. 

I'd like to hear back from somebody explaining to me why this sort predatory rule is allowed to exist in a financial institutions literature.
I called the company, Nelnet, to see if they could lower my interest rate and they said they could not. I have been paying on my student loan at around 8 per cent and my balance has stayed about the same. Interest rates have been from 2 to 5 per cent and there is no reason for paying such a high rate of interest. I was a student and was not able to get a job in my field of study. I had to work and start at the bottom of a customer service call center. It was hardly enough to contribute to the support of my wife and grandchildren ( at the time ). 
Now my situation is different. I am on Social Security and scrambling to make ends meet. 
Thank you.
There are addresses on my report that should not be there. my Current Address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX All Other Addresses Should be Removed
When I orginally started my repayment process, i spoke to representatives over the phone asking about lowering my payments because i had other expenses building up. They told me that was the lowest monthly repayment option I had. So, i made sure to get way ahead my first year so I would not default. I knew i was changing jobs after my first 6 months at my position. I changed jobs midway through that first repayment year and started getting payed 15 % less. So the second repayment year was less of a financial burden. The third year i was late on 1 or 2 payments and they recommended i go under forebarance or i will default. I was not willing to pay more in the future so i told them i would not happen again, despite the fact I was moving to another city for a better financial opportunity. This was scary to think about at the time so i continued to repay during my transition period between cities with the little savings i had. I have paystubs, reciepts, and professional references of needed to show my past job date and times of hire. These are scare tactics utilized on those with little experience in loan repayments and looking back now, I had other options at my disposal but was limited to the information and resources i was presented with.
These items reported by Capitalone Account Number XXXX and XXXX Credit Card was Discharge in Bankruptcy Case No. XXXX XXXX, XXXX, NM XXXX is Inaccurate or incomplete. Because it is reporting to XXXX Credit Agency as open and Charge off which are inaccurate or incomplete and because it was discharged on XXXX XXXX, XXXX. I am requesting that the item be updated and show close and not open to correct the information. 

I received a response from Capitalone dated XXXX XXXX, XXXX there Case numbers XXXX anf XXXX stating they are refusing to report these accounts as close, thereby making my credit report after bankruptcy appear that I have a bad payment history. These action on Capitalone is lowering my credit Score.
My husband and I had requested a home equity line of credit in XX/XX/XXXX and were approved for {$15000.00}. We finally stopped using the line of credit in XX/XX/XXXX, and we have been requesting a summary of the payments and charges and have been given the run around. We feel that we have paid the line of credit off already.
The following company took taxpayer money and is now advertising that they will change their policy on lending : Citigroup.

Here is part of the article : Last month, Citigroup added restrictions on firearm sales for new retail-sector clients, requiring them to sell firearms only to customers who passed a background check, restrict sales for buyers under 21, and not sell so-called bump stocks or high-capacity magazines.

I was good enough to give them my taxpayer money, but a company will not be able to get equal lending policy due to restrictions that CITIGROUP thinks should happen in commerce.
Satisfied Judgment Filed XXXX ; XXXX XXXX XXXX Cour ; Case or ID # XXXX ; Defendant XXXX ; Not mine wrong person ( My name is XXXX XXXX XXXX Amount ) {$630.00} ; Plaintif XXXX ( XXXX ) XXXX credit report changes each month with information not belonging me its gets Deleted then re-add UNIVERSITY XXXX ( Auto ) {$1300.00} UNIVERSITY XXXX $ XXXX ( other ) XXXX XXXX XXXX XXXX ( Other ) {$46.00} XXXX XXXX XXXX XXXX ( Auto ) {$200.00} XXXX XXXX BANK XXXX Opened Date XX/XX/XXXX NOT MINE, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX NOT MINE XXXX XXXX XXXX, XXXXXXXX XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NOT MINE No proof of debt validation of a debts I do not owe AND basic inaccuracies on my credit report with Immediate effect now, EQUIFAX has not only been evasive over my report, they have never once provided the requested and official documentation required by law, nor have they corrected or prevent this wrong information the information, Not once have they provided me valid proof that it was mine NOR that I had a contract with either of this company, nor have they corrected the information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. That the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I have repeatedly asked them to provide the following, below ( items 1-6 ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. I intend to sue Equifax if all these are not removed from my file, this clearly shows Equifax is reporting Wrong information and other people 's information on my file.
I submitted an Income Sensitive Repayment Plan form to American Education Services ( A.E.S. ) via a fax and certified mail and I received an email from a XXXX ( a representative of A.E.S stating that the Income Sensitive form form was received on XXXX but as of today my AES account states that my student loan is 5 days past due and this information is being reported to all the credit bureau agencies. Every time I contact A.E.S. I am giving excuses as to why my account has not been updated to reflect my Income Sensitive Repayment Plan. I has told them on numerous occasions that I am and have been unemployed for several years and this Income Sensitive Repayment Plan will keep my acount in good standings and also keep in from going into default.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
i had this debt on my credit report and disputed it and reported it to the fcc and XXXX, and they removed it from my credit report, but now its back again under another credit collections agency but from XXXX. they just put it back on with another name so it will go back on my credit report. i had already spoke with XXXX as well when this issue incurred.
I just discovered that a collection agency started reporting an {$82.00} collection account on my credit report that I do not owe. Prior to this account appearing on my credit report, I was never contacted by phone, mail, or otherwise ; and given an opportunity contest the charges.
Please remove the collection account XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX   ). The account which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft I disputed the account with Transunion but they did not help me..They never gave me any evidence proving the account as mine..CFPB please do something about this and remove the account
Company continues to call me even though I have spoken to XXXX different people that say my number is not on file with them. They each have said there is nothing they can do and that the calls should not be happening. This has been going on for well over a month. I do not owe anyone money. This debt collection service is located in New Hampshire, according to the pop-up on my cell phone. The calls come in DAILY! They are calling from XXXX. This is harassment that this company refuses to do anything about. Please HELP! 

Thank you,