WillisBack/dataset-financial-user-claim huggingface dataset:
When I first leased my vehicle in XX/XX/2017, I made the first month 's payment as part of my initial lease payment which covered the first payment cycle. I was surprised to see that subsequent payment for XX/XX/2017 was marked as a missed payment on my credit report.I thought that this was extremely unfair and confusing, the sales person at my showroom did not specify when my next payment was due further I did not receive a date as to when I was supposed to make that first payment by mail or online until very late in the payment cycle. I would like Honda Financial to remove that missed payment on my credit report, I feel that this is in violation of the FCRA. This is having extremely adverse effect on my credit score.
On XX/XX/XXXX I submitted a written letter to XXXX XXXX XXXX   asking them to investigate an unauthorized hard credit inquiry that is on my personal credit file. On my credit file, it has 'XXXX XXXX XXXX   ' listed as a hard inquiry made on XX/XX/XXXX on my XXXX   and XXXX Reports. In my letter to XXXX XXXX XXXX, I vehemently stated that this inquiry was unauthorized and they did not have my permission to access my credit profile. At that time, I asked them to investigate and submit to me any documentation they may have displaying my authorization, or contact both credit bureaus to remove this inquiry.

On XX/XX/XXXX I received a letter via mail from XXXX XXXX denying my request to investigate this matter.
They block access to my account when overdrawn from everything online I can not view my statements when my account is overdrawn and they refuse to acknowledge the problem.
I have a mortgage and a home equity loan both payable to Ditech. Every month, I would receive XXXX bills with payment stubs. I would mail XXXX check with both stubs back and payments were allocated correctly. Until this past XXXX when allegedly Ditech got a new system that electronically read checks and stubs. They apparently applied XXXX check to the equity loan making the mortgage appear in arrears. I started to receive collection calls and each time I would explain and receive assurances the payment would be reallocated. That never happened. I have received XXXX calls, XXXX sets of collection letters, XXXX sets of certified letters, instruction on filing for government assistance. In between all this I get letters telling me they 're investigating. 

I 've spoken with several service reps, XXXX supervisors who never return voicemail messages and I 've attempted to reach an executive in Ditech 's headquarters in XXXX PA only to be dropped from their IVR system. I 've attempted to email Ditech at an email address in their statement only to have it bounce back. I 've mailed outlining payment check numbers, amounts, date of issue, date the check cleared and no response. I 've paid every. Bill in full and on time. Ditech have been completely unresponsive and inept.
Was subject to credit card fraud. BankAmerica closed the account and sent out a card for a new account. The new card was sent to someone else at a different address. Then they were supposed to send it to me at my office. Again they sent it to the wrong address. At no time was a signature required. I paid the balance ( not including the disputed amount ) in full on time. They could n't manage to post that to the new account. But they had no trouble moving over the balances owed. When this was brought to their attention, they agreed they got the payment and would move it over. But they would not issue a corrected statement to me. Claimed they could n't. And if they could they could n't email or fax it to me. Prior to BankAmerica buying XXXX it was able to do these sorts of things. After being put on hold for 30 minutes XXXX different times, I finally spoke to XXXX XXXX who claims she is the head of their service center and she reports to no XXXX outside of the chief corporate officers of BankAmerica. She again refused to send me a corrected statement showing the payments I had made. To say the least I will be closing my BankAmerica credit card and will find XXXX that has no connection whatsoever with BankAmerica. Not that I expect customer service anywhere else to be any better. Are n't we glad all of these banks are too big to fail.
A couple of years ago I helped a friend and cosigned a vehicle. He and I purchased an XXXX XXXX. Now that my friend is now struggling to make payments, a lot of late payments has affected my credit. I have educated myself on learning more and more about credit repair and have been doing whatever I can to maintain good credit. Unfortunately my friend, XXXX who purchased the car with me, has been struggling to make payments. It was my fault for not properly reading the documents and just signing on the line. I now am trying to help him payoff the vehicle and I tried to get the vehicle refinanced. Unfortunately I was denied twice due to the vehicle being a negative equity. As I read the payoff balance, and I now understand interest rates I believe this bank did, and has been taking advantage of the low income population. XXXX and I have been paying a 17 % interest rate on a XXXX loan. And from the document I see they are charging {$7.00} dollars of interest a day. I do not think this is a normal tactic. I 've reached out to Firstbank countless time for help and they refuse to help me. I have thought about the different ways to get myself out of my situation, but I have too much integrity. There is no possibly way I can refinance the vehicle with its current balance, and I am stuck paying this high interest. This is not a normal percentage of interest, and because of the value of the vehicle, and the interest rate, and the term of the loan, this was without a reason of a doubt, destined to become a negative equity, and the bank knew this from the beginning. Not surprisingly I was promised lower interest rates after 6 months of payments and that never happened. I see no end to this loan, I will be repaying this for the rest of my life. The bank has the control, and refuses to help my situation. Although payments were late, we are up to date, and it 's extremely unfortunate of the sleezy tactics these financial institutions use. I 'm only XXXX years old, and am contemplating bankruptcy, something I do not want to do.
Our condo association of XXXX members approved an amendment to our XXXX. In order to file in Wis you must have approval of mortgage holders in addition to the owner 's consent. There are XXXX banks who refuse to sign and or have thrown up many road blocks to their signing. XXXX saying they have nothing to do with the loan after it is granted, the XXXX asks for information and when it is sent they ask for more info plus several times ask for same paperwork they already have.
Bank of America is reporting, or rather holding to what Countrywide previously reported, that I was XXXX days late on paying my mortgage on XXXX different occasions. I have disputed them with the XXXX different credit reporting agencies but BofA, I feel does n't do a proper investigation into the matter and will not take the negative claims off of my report.
I kindly ask that if you could please do a courtesy adjustment of my previous XXXX sign up offer to your recent XXXX XXXX points promotion. I recently contacted you and was offered XXXX courtesy adjustment, and I truly thank you for that. But at the same time I had XXXX friends who had the same situation and simply called American Express and received XXXX XXXX points match in both instances. I simply ask that considering they were able to receive the higher courtesy match, I kindly request a match to that.
Listed below are two collection accounts that are being reported on my credit record and neither belong to me. The XXXX account was the result of identity fraud and I provided details in the form of a police report and it was removed previously however it now reappears on my record. I have never been a customer of either company. 

XXXX XXXX XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 
Account Name XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
First Reported XX/XX/XXXX Original Creditor XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX First Reported XX/XX/XXXX {$880.00} AFNI, INC. 
The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. First Reported XX/XX/XXXX Original Creditor XXXX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX
The original creditor that 's attempting to collect a debt goes by the name of Santander. I have never done business with this company or even heard of them prior to the account hitting my report. I called in to customer service over a year ago to try to retrieve information about the account that was reporting and was told I could only retrieve information with a police report.I filed a report and faxed it in. I Called back after receipt and was given the name of the dealership where the account was purchased and the address. Upon googling, the business was in Louisiana and I have live in Texas s ince 2011. I re ached out to the dealership and they were no longer in business.I proceeded to dispute the account and it was removed from my reports but only for ab out 4 -5. Now the y 're attempting to collect under another name. Everytime I reach out for debt validation, I 'm simply being mailed a letter stating it 's been validated. To date I have received no signed contracts, no identification that the car would have been purchased with, or anything tying me to this debt. CAN YOU PLEASE FORWARD TO ME THE DOCUMENTATION YOU CLAIM WAS SUBMITTED TO ME IN AN ATTEMPT TO VALIDATE THIS SAID DEBT. BECAUSE I HAVE NOT RECEIVED ANYTHING OUTSIDE OF A LETTER SAYING IT WAS VALID. I HAVE NOT RECEIVED ANY DOCUMENTS OR A CONTRACT WITH MY SIGNATURE!
I am trying to refinance my mortgage and was working on collecting information on my student loans. I was trying to gather information that included account numbers, monthly payment, and the remaining number of payments for each of my loans, but was unable to find all of the information on Navient 's website. I have XXXX outstanding loans and XXXX that is paid in full from XXXX different institutions. I tried gathering the information from the current Navient website, the old website, and my monthly statements, but was unable to get the individual account numbers or the payments remaining. Because I made an extra payment at some point in the past for many of my loans and have automatic debits set up, there was n't a quick view to get information on monthly payments for each of the loans. I wound up having to click on each individual loan, get the ( limited ) information I could, and then provide as much information as I could, which ended up being just the monthly payments. I was unable to find the individual account numbers for each of my loans ; Navient 's website numbers them XXXX-XXXX, but those are n't the account numbers used. I could n't find the months remaining on my loans anywhere, even though I spent more than half an hour clicking through various links. 

Luckily the credit union I 'm working with for the refinance was able to pull information for me once I 'd provided the basics, but Navient 's website is not consumer-friendly. The old website does a better job at putting most of the relevant information for individual loans into a readable format, but again, it requires way too much clicking to be convenient.
The account being reported on is closed from a public sale of foreclosure on XXXX/XXXX/XXXX. Currently you are reporting that there is an outstanding balance of {$62000.00} which is inaccurate as well that a 90 day late payment was made in XXXX which is also inaccurate. I am asking that each of these be removed immediately.
received mail from Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX mail stated I had applied for a credit card, which is false. This is either a fraudulent application in my name, or a scam by the bank to get me to give them information. The phone number for return calls in the letter is XXXX. It is not possible to speak to a human at that number. The letter does not ask whether I did in fact apply for a credit card. The letter does not provide any route for having the cc application flagged as fraudulent. This is unacceptable.
My loans got sold to Navient from XXXX XXXX a few years ago. Dealing with Navient is very unpleasant. I have been trying to lower my monthly payment plan with Navient Solutions for well over 2 years now and as of today I am delinquent because Navient refuses to help. 
I have gotten wrong information from various representatives from this company. They provide wrong information so you are stuck paying the monthly rate they want you to pay. I never get anything emailed to my for confirmation even after they say it has been emailed. I get told paperwork needs to be done online and then I get told that no, paperwork needs to be mailed. This has been happening for a whole year. 

They put representatives on the line and threaten to sue those with language barriers if they dont collect the full amount the day they call. XXXX ( Employee ID : XXXX ) is the one making the threats against my mother. 

I immediately called that day to speak to a supervisor ( XXXX ) central standard time and I was told he was on a dinner break and will return my call. As of today, said supervisor is yet to call me. 

All I want is to lower my monthly payment so I can make this debt go away. I want them to investigate thoroughly how my account has been handled since XXXX XXXX sold it. 

The wrong information that was provided by various representatives from Navient Solutions has caused my interest rate to triple and my principal balance to double.
There are XXXX XXXX accounts listed on my credit report which I do not owe this company anything. These might be my daughters. I disputed them and want them removed and they are still listed. This is a violation of my rights.
XXXX XXXX lists an amount due of {$6500.00} ( {$7900.00} highest balance ) as a Collection/Charge-Off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX . This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be not owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in XX/XX/2015, a conference call was held between XXXX XXXX , XXXX XXXX and XXXX XXXX . XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report.
on XX/XX/2017 the credit report was to be a soft inquire on the app XXXX XXXX XXXX XXXX XXXX NV XXXX THROUGH THE VA BECAUSE I AM AWARE HOW A HARD INQUIRE WILL AFFECT YOUR CREDIT SCORE THIS WAS TOLD BEFORE THE REPORT WAS PULLED.OTHERWISE I WOULD OF REFUSED HAVING IT PULLED.IT WAS TO MY UNDERSTANDING BECAUSE THIS WAS SENT FROM THE VA IT WOULD BE A SOFT INQUIRE.YESTERDAY I OPENED A SAVINGS ACCOUNT AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX THE VP/XXXX XXXX SAID I COULD GET A CREDIT CARD WITH MY CREDIT SCORE I SHOWED HER MY XXXX XXXX ACCOUNT BUT IT WOULD OF BEEN A HARD INQUIRE AND BECAUSE OF THAT I REFUSED IT BECAUSE I DID NOT WANT THE INQUIRE ON MY CREDIT REPORT.I HAVE WORKED VERY HARD TO MAINTAIN GOOD CREDIT MY 3 CREDIT CARDS SHOULD HAVE A XXXX BALANCE.I WAS TOLD IN XXXX THE VA WILL APPROVE ME FOR A XXXX DOLLAR CARD IF MY CREDIT STAYS AS GOOD AS I HAVE BEEN KEEPING IT.AND MY INCOME HAS INCREASED TO XXXX XXXX PER YEAR.THANK YOU XXXX XXXX
A computer glitch that was Transunion problem - not mine - caused my inquires to be deleted. Transunion later added the all back onto m credit report without giving me the legally required Witten notice Five days prior to them being re-added. I contacted Transunion in good faith to ask them to delete the inquires that they had XXXXilleegally re-added. these inquires add a hardship and my rights were violated by Transunion. I ask that you please help me, and make Transunion to stop victimizing me. As a resolution I ask that all of my Transunion inquires be deleted PERMANENTLY from my report as a violation took place when they were illegally added.
About XXXX years ago I tried to modify with the company Ocwen Loan Servicing. They put me in varies programs and asked me for more information it took about XXXX months to tell me that I do not qualify and the principal of the house when up.
I received my account statement for transaction activity period XX/XX/XXXX toXX/XX/XXXX. The ending account balance was XXXX. 
When I received my account statement for transaction activity period XX/XX/XXXX to XX/XX/XXXX, the beginning account balance was {$14000.00}. A increase of {$3400.00}. I did not do any account advances during this period. 
The company, when contacted can not explain why my balance increased.
This is a debt that was settled and my mortgage on my home is clear of this debt - the lien is clear as in the attachment you will see all has been cleared. I owe this creditor nothing. There are continued XXXX shipments and letters sent to my home. I have sent them the lien release documentation many times.
There's currently two accounts on my credit report inwhich the contract has been cancelled, I absolutely have no contract nor obligation to the following company, ( 1 ) XXXX XXXX XXXX, XX/XX/2018, {$130.00}, {$150.00}
This complaint is for my Bank of America credit card. 

BANKF OF AMERICA IS CHARGING INTEREST ON CHARGES THAT ARE NOT IN ARREARS! 

On XXXX/XXXX/2015 my amount due was XXXX. I pay my cards in full each month and did n't have any charges in XXXX 2015 so my account had XXXX balance and no interest charges for all of 2015. 
On XXXX/XXXX/2015 my BofA online account showed a payment of XXXX. XXXX cents short. The error was mine. I mistakenly typed in a XXXX instead of a XXXX. 
The next statement, on XXXX/XXXX/2015 showed an interest charge of XXXX. 
I called BofA XXXX on XXXX/XXXX/2015 and spoke with XXXX ( not sure of spelling ). 
She informed me that interest is charged in arrears. I asked her how they could charge me XXXX dollars for being XXXX cents overdue. 
She then informed me that I was being charged interest on approximately XXXX in charges made up to the point of payment. ( Those charges are legitimate and I am not disputing them ). 

Conclusion : with no prior interest charges and being past due from the previous billing cycle by XXXX cents, Bank of America charged me interest on charges that WERE NOT PAST DUE. 
XXXX did reverse the incorrect interest charges but only due to my vigilance. 
I can only think that many people do n't know this especially if they carry a balance. 

I hope you pursue this. It is wrong.
I received a XXXX tax document ( showing a gross distribution of {$120.00} ) from 'HSA Bank , a division of Webster Bank , N.A. '. I do not remember having an HSA account there. When I try to access 'the account ' on their website, it says " user not found ''. I called up and the client representative also could not locate my account. Can someone responsible from the bank clarify if I have an HSA account with the bank or not?
I've been a user of Citibank XXXX XXXX credit card for more than 15 years, and kept my balance clean and used only for emergencies. 
I've always have paid it in time, and never had an issue with anything. 
I used it this year for unexpected expenses and I just noticed that they started charging me for a service I never requested ( XXXX ). 

The people at Citibank and as well as XXXX made it very difficult to find the right department to talk to, and the service has been cancelled, but they could not guarantee that they will reimburse all the charges they have been including regarding that service. 

This seems to be related to a practice for which Citibank was already fined back in 2015
I lost my $ XXXX. to a lie and was black balled in the education profession. Our teacher unions failed us but XXXX will take of this unjust situation! I have been unemployed and underemployed off and on since then. My mortgage company refused to modify my loan even though I informed them of my work situation. I have the White House and the Office of the Comptroller involved with this situation, I have been actively employment. This stress has caused me to have XXXX, XXXX and XXXX XXXX XXXX. Currently, have to go back and forth to the ER and XXXX XXXX XXXX for treatment. 
I filed numerous complaints to Office of the Comptroller, White House, XXXX, &. XXXX XXXX XXXX. Last year I told the I plan to sell the house. All of a sudden the mortgage went up to {$2400.00}. How did it go up that high when I could afford {$1800.00}?
On  XXXX   XXXX ,   XXXX  , the service calle d Checkr was a sked to run a background check by my potential employer-  XXXX   XXXX   XXXX   XXXX   (    XXXX   ). When I received a copy, there was a charge that was completely incorrect included in the report, and it is keeping me from getting my job. I have never been guilty of a felony in all my life! This charge was thrown out, because I was coerced into taking a plea for things I did not do. I had this same problem with a company called  XXXX , also with  XXXX , but they did correct the issue. Unfortunately,  XXXX  is no longer using  XXXX , so they wanted to run anoher check with their new company, Checkr, and I 'm having he same problem. I applied for this job back in  XXXX , so I am getting fed up.
US DEPT OF EDUCATION has re-aged my account stated that it was first reported in XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX and that I have made a payment in XX/XX/XXXX and XX/XX/XXXX. They are reporting the same account twice on my credit report. They have several different addresses, names, and account numbers. Every month its a different address with a different name. Re-aging an account is illegal based on the FCRA. I have requested the completeness of the account history. 

Original Amount : {$1000.00} Recent Balance : {$1600.00} There name and addresses includes : - US Dept of Education XXXX - U S Dept of ED - US Department of Education - US Dept of Education XXXX   - XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - XXXX XXXX XXXX XXXX XXXX, TX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
I had lost my job but have a job now. I have tried to work with One Main Financial and they are being so difficult. I need to get caught up on my payments, I need to know what my interest rate is and I need to know when this loan will mature. Nobody is able to tell me when this loan will be paid off if I keep making payment of XXXX a month which is the minimum monthly payment. They just keep telling my loan matures in 2019. What the XXXX does that even mean? Does that mean if I still owe a balance in 2019 that the loan is done being paid off and I won't have to make payment any more. I just want to know if I am behind in payments how long will it be to catch up? Once I am caught what is my interest because right now only like XXXX is going to principal. If only XXXX a month is going to principal when the XXXX will this loan be caught up, what will my interest be and when will this XXXX loan be paid off? Like I said they keep saying 2019 but won't clarify once the loan hits maturity and there is still a balance owed what happens to the amount due after maturity. I want the loan current now that I am working, I want to know why only XXXX out of the XXXX monthly payment is going to principal and I actually want to know how long it will take to get this loan payed off. No one can tell me know matter how hard I have tried to get this information.