WillisBack/dataset-financial-user-claim huggingface dataset:
I was a resident at XXXX XXXX, I moved out on XXXX2017 and management failed to remove me from the system, I was still being billed and I called several times and spoke to management and they assured me that the balance would be corrected. I later received notice a month later that the balance had been reported to a collection agency. I called the collection agency and advised them of the error, they stated that they just needed documents from XXXX XXXX  Management so I went to their office and was assured again that this matter would be taken care of. It is still on my credit and causing my score to decrease. XXXX XXXX does n't care and I need help because I am currently in the process of building and maintaining good credit. I pay everything on time and their negligence is causing harm to my credit
Debt collection agency 'Dyke O Neal ' has pulled my credit file without my permission. The debt was supposed to be paid by XXXX XXXX XXXX when home was foreclosed/short sale in XXXX.
I was contacted by CMRE Financial Services about a medical debt that I did not owe. They have been persistent and have affected my credit score because of it. I was told I owed {$3500.00} and needed to make that payment. I never was given proof of bills from hospital or received any medical bills at any point. This company is committing fraud and affecting my credit score which in turn is affecting my ability to buy a car, rent apartment, etc. I need this resolved please this is complete fraud.
To Whom It May Concern : I opened an account with American Express Bluebird. I received sub-par financial service and customer service from them within the first month of having my account. 

I transitioned my direct deposit back to my bank account, and over the course of a month or two drew down reliance on Bluebird for financial services. 

Over a month ago I called Bluebird to request that they close my account. I was harassed to provide a reason, and I repeatedly requested not to. I was then hung up on for cursing at them for not doing as I had politely instructed. Attempts to contact American Express Corporate Customer Service were in vain, their corporate headquarters switchboard repeatedly terminated my calls, and finally redirected me back to customer service. 

Finally, I was told that they would close my account. They requested a call back in 24 hours to confirm. I told them I considered that conversation and confirmation that they would close my account final notice, no additional conversation was required and that I would not call back in 24 hours to confirm closure of my account. 

I did receive a check for the remaining account balance within 7-10 business days as they said. However, I have repeatedly received monthly statements for the past 2 months for an account that was supposed to be closed and that I was harassed during my attempts to close said account. 

American Express has played a dangerous game in choosing to aggressively attempt to retain clients, harass them when they request to discontinue their relationship and then maintain accounts open months after requests for closure have been made. 

Please consider this final written notice of my DEMAND that this account be closed as well as the final explanation of facts in regard to this matter. At this time, I will not communicate in any other form that writing with American Express and do not wish to be contacted by them either directly through telephone calls or indirectly through their regularly scheduled spam and credit card offer mailers. They have clearly shown themselves to be inept at providing financial services as well as attending to the needs and preferences of their clients. 

Any attempts to ignore or neglect this will be treated as an indication of American Express ' lack of respect for my preferences and financial/credit history integrity and appropriate formal complaints will additionally be filed with the XXXX and credit reporting agencies. 

Best wishes, XXXX XXXX XXXX
This discover account was a paid charge off as of XX/XX/XXXX. Tried to reach out to the company numerous times and was told there was nothing that they can do. Got in contact with the bueureas and they told me I had to contact the creditor.
CBNA is wrongly reporting my best buy credit card as 60 days late. This reckless reporting has been going on with Citibank A.K.A. CBNA, for 4 months, since my card was compromised. 

On XX/XX/XXXX CNBA finally completed their investigation which began in XX/XX/XXXX. 
CBNAs investigation concluded my account was compromised and I would not be responsible for any of the reported charges. 
CBNA also concluded a new card would be mailed out to me. 

During the investigation, I was restricted from access to my account, any charges or balances. I was not mailed any statements and to this day of XX/XX/XXXX, I have yet to be mailed or provided a statement by any means. 
My previous conversations with the fraud department, which i highly recommend reviewing the tapes, The investigator told me not to worry about any payments to the account until after they conclude their investigation and until i receive a statement. 
However, it seems this information is not forwarded to the department that monitors payments and reports to the credit bureaus. 

As a result of CNBAs continued recklessness, I was turned down for a mortgage on XX/XX/XXXX buy XXXX. This is the 2nd time in 3 months I was denied as a direct result of CBNA 's inaccurate reporting. This has cost me thousands in actual damages. Including the fees I had to pay. 

CBNA 's reporting is also contradicting, it reports I paid my XX/XX/XXXX and XX/XX/XXXXpayments, yet in XX/XX/XXXX reports me as 60 days late. MAKES NO SENSE I contacted CBNA 's fraud department again on XX/XX/XXXX & XX/XX/XXXX and was assured this would be corrected immediately. It has not been corrected as my XX/XX/XXXX credit bureau reports continue to display 60 days late.
I looked at my credit report the other day and noticed that there was a new account on it. It only showed up under equifax and has not shown up on trans union. The new account does not belong to me. It is a XXXX XXXX XXXX credit card that was opened in 2004 and has a balance of XXXX, with a previous balance of XXXX. I have never banked with XXXX XXXX XXXX, do not have a credit card with them, and do not have an account that dates back to 2004. This card does not belong to me, but is showing up on my credit report. I am worried that this was cause problems and would love for this issue to get fixed asap. I appreciate your understanding and help with this matter. Thank you so much!
On XXXX XXXX XXXX, XXXX bank, opened a claim on my credit report for {$880.00}. 4 years later they closed it and Portfolio recovery bought the account and opened a new claim on my credit report on XXXX XXXX, XXXX for the very same amount {$880.00}. It has been more than 7 years since the initial debt was defaulted. I called portfolio recovery to discuss this situation and i was place on an extensive hold multiple time after i have stated the facts which are : - Same amount was claimed twice on my credit report by XXXX Bank first in XXXX which closed it out in XXXX then portfolio recovery in XXXX. 
- Original debt was defaulted back in XXXX why opening a new claimed in XXXX as if it is a new debt?
My mortgage servicing was switched from XXXX XXXX XXXX to SunTrust Mortgage. I have received XXXX letters explaining this and how to set up an online account with SunTrust in order to pay my mortgage and that I can and must do so after XXXX XXXX. However I got a error notice every time I tried to set up the account. I have now made 3 phone calls to SunTrust trying to figure what is wrong and keep getting different explanations such as we do n't support Mac computers ; our website only works on Internet Explorer ; our website will work on Chrome but you have the wrong version ; you ca n't set up an online account until after XXXX XXXX, 2016. Each time I questioned the incorrect information, I was put on hold, or chastised by the customer service agent for suggesting that it might just not be " my fault '' that it 's not working, or told to stop yelling ( which I was n't ) or told to NOT do something else that I was n't doing or simply put on eternal hold. I just want to set up automatic payments and pay my mortgage and do n't understand why SunTrust ca n't produce accurate instructions and polite customer service agents who are well trained enough to figure out when it might just not be the customer 's fault.
I am requesting the removal of this debt collection. I have never done business with this company. I take my credit very serious. I have asked for information to be proved for me for account. I have n't receive anything. I do n't think it fair they will rather report inaccurate information and not verify the information.
Re : Unauthorized Credit Inquiry I recently received a copy of my three credit reports from XXXX, Transunion and XXXX. The credit report showed a credit inquiry by XXXX XXXX XXXX XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank by phone to close my secured credit card account but by no means should they have run a credit check just to close my secured credit card account. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail to XXXX XXXX because I need their prompt response to this issue but I have not received any responses. Please be so kind to have this unauthorized inquiry removed. I am closing all my accounts with the bank next month ( XX/XX/2018 ) and will no longer be doing business with them. I am going to file a police report for identity theft as well.
XXXX XXXX XXXX TX. XXXX I opened a Target store card in 2015 at the register after first refusing but the cashier pushed and I finally caved and it has been the worst nightmare since. I have several credit accounts, standard accounts and store accounts. I pay on time with payments that cover all or on occasion most of the current balance. I made a one-time purchase at Target using their temporary card for a little over {$100.00} purchase of toys for my grandchildren. I never received the card or the bill and it being XXXX I did n't think about it. I did n't know my account number then or now. 
A few weeks later, I got a bill with a {$35.00} dollar late charge. I called and explained to a rep and it was removed ; however I did not receive a later bill. I called and asked for the balance stating I was tired of the extra charges and wanted to pay it off. I was given an amount of {$94.00} and I paid it with an online check. Apparently the routing number was n't correct and if so it had to be the clerk on their side because I know my number by heart without reading it off. I was n't notified and thought my next bill was a mistake since I knew I paid it off. I called and was told it was the wrong routing number so I gave it again. I still got bills and called again. This time I was told that I had n't made the full payment of {$100.00} and was billed late charges again on top of the difference. I explained that I asked for the total and paid what I was told. I offered to pay the difference and one late charge which I did, but would n't pay the extra late charges. To date I keep getting bills for late charges and I do n't feel I should. 
I called them numerous times during all of this and asked to speak to supervisors a few times. I informed them I was a teacher and could n't pick up until XXXX daily. I did n't know the number that would call and it never said Target, but in any case they were before XXXX when I ca n't answer. When I did n't get a call I went to Target to talk to them in person. It was then that I found there is no one physically in any store to handle credit problems. The person I finally talked to called on a Saturday and was not a supervisor as requested and was very rude. He is one I paid the difference to and one late charge. Needless to say this situation is still continuing and although the store admits that they made mistakes they are not willing to drop the late charges or comp. I closed the account I never received a card for and am hoping that it is noticed that I am not behind on any other bill and had excellent credit until this. I do n't think that the consumer should foot the bill for a company that uses these type of tactics. XXXX is a website I wish I had seen earlier showing how many people received the same type of treatment as I did. I am hoping you will attach this as an explanation for this black mark on my credit report. 
Sincerely XXXX XXXX
In XXXX, I needed a loan in order to pay my rent. I am XXXX retired XXXX veteran, largely living off of my XXXX pension. Cashnet USA, the Pay Day XXXX loan company I borrowed from, initiated predatory repayment practices immediately. They deliberately schedule automatic debits from my bank account before the end of the month, not even on the last day, with the obvious purpose of forcing customers into collection status. They essentially intercept my XXXX payment now, because my account is charged almost immediately after I receive my XXXX payment. They charge such a high interest rate XXXX 299 % ), in addition to various fees, that my balance only goes up, rather than down, even with regular, large monthly payments. 

My last payment was {$410.00}. They have nearly reached a 100 % profit mark through my repayments. They forced me to borrow more, when I did n't wish to, because they intercepted my XXXX payment one month when I relied on that exclusively. I had no other means of paying for rent and food, and was forced to borrow again. Their system keeps me XXXX and others ) in permanent debt, continually leeching money from bank account. I can not get them to stop, but if they do n't stop adding unfairly large interest, I can never pay off the balance in full, which is the only way to end their abuse of me. 

I would gladly pay the balance, if they would only stop increasing it every month, but I can only do it that if they do stop. It became clear to me that this is exactly the result they intend to create, especially with the fact that they debit the account so early, before most people are paid. I believe I have acted in good faith, and that they have trapped in this system of theirs. Had I realized that they designed this system to be inescapable, I would never have applied. 

I am writing this as a plea for help, for arbitration, to get this predatory company to leave my federally protected XXXX pension alone. My bank is XXXX XXXX XXXX, in Virginia. They are unable to stop Cashnet USA from debiting my account repeatedly, without my signing an affidavit of fraudulent activity, which I am not sure is appropriate, as I entered into the agreement voluntarily ( although misled by Cashnet USA XXXX.
I have notifed portfolio recovery that I am not liable for a Balance of {$3900.00} that is being reported to XXXX, XXXX, and XXXX. portfolio recovery has failed to provide Validation of the debt, that proves that I have a signed contract with them. I notified them that I have exempt funds in the form or Social security Benefits and XXXX Veteran Benefits. Continuing to harasses and make attempts to collect this debt are against the law. I demand that portfolio recovery discontinue collection efforts and delete all accounts that are being reported to XXXX, XXXX, and XXXX.
Hello, This was be the second complaint I have regarding Citibank. 
First, I am in the process of purchasing a new home and getting a loan with a different lender and we are forced to get a high cost mortgage due to the fact that Citi could not provide a VOM showing 30, 60 or 90 days past dues. A lender we were trying to go through did a phone verification and the agent stated the account was 60 days past and it was not. I even called back a couple days later and was told that it was not 60 days past due at that time by a different agent. 
Now we are trying to get a payoff quote and they are making us wait 7-10 business days purely on the fact that our account is in the " bankruptcy dept ''. Our bankruptcy was nearly 10 years ago and we are being put off because of this. I even spoke to a supervisor who stated that if it were not in this department, we 'd have this information in 4 hours!!! This is unfair!! We need his information for our new lender to see a Closing Disclosure with our proceeds after sale. Our closing is to take place in 3 weeks. Our title company requested a payoff XXXX XXXX!
XXXX XXXX was my mortgage loan officer for a new construction purchase. From the beginning he assured me he has everything taken care of and was honest. The builder had there own in-house lender and if we used them they paid closing costs. Since I had been working with XXXX first I felt bad switching after being preapproved through him and he assured me the closing costs would never be more than 6k. Long story short after many lies and deception closing costs were well over 6k and he had snuck in XXXX $ in buying down a point NEVER discussing this with me, told Me because I had the funds in my account they could not be gifted even though this was in original paperwork from purchase contract and had been fine all along and when I told them No ; the commission is being gifted from my mother ( realtor of the transaction ) he told me ( after missing the close date and lying ) that I could No longer have it gifted and would Need to wire more money pay another wire fee and pay it out of pocket.

When I said no, him And his manager said we saw you have proof of funds in your account are you telling us you no longer have access to these funds I said yes I do I dont want to pay closing thats money in my Savings and its being gifted they told Me They would Have to reopen The entire loan and go back to underwriting and could Delay it weeks if it was approved at all If I didnt wire the additional funds. They lied about rushing the appraisal. They lied about assuring me they would cover the cost of the rushed appraisal. They snuck it into the fees after promising me they would Cover it because it was there error. They lied and told me it could Only be title As sole and separate and if we were to change it to the way it was originally suppose to take title it would again be sent back to underwriting and take another week out of closing and also possibly no longer be approved/ they tried to bully us into agreeing to the terms in order to close and not forfeit our XXXX deposit with the builder. They also are charging us a XXXX $ tax rate monthly because they are charging us a California tax rate on our home in XXXX az because the land isnt assessed yet.

Why would I pay Cali taxes on a home In AZ?

I got every manager at flagstar involved, they did not care and knew that because they had already lied and held up Closing by a week I wasnt able to switch lenders at that point without losing my XXXX  deposit with the builder and being in breach of contract. They were so emotionally abusive during the entire process and I have emails ; texts and phone call logs to prove everything. XXXX needs to lose his ability to even be a mortgage Loan officer! He is a fraud! I can not believe flagstar Allows there company to run this way. I will continue to warn everyone and report them Closed on XX/XX/XXXX.

Started working with them XX/XX/XXXX.
I had a Ford Fiesta leased in Hawaii when I received XXXX. Ford credit refused to honor the SCRA when I went to XXXX for my XXXX. They said the SCRA did n't apply to me because I was retiring. I did n't receive my orders until about 2 weeks before I had to leave so my only option to ground the vehicle was to pay off my lease of over {$5000.00}. After over a year of disputing and having them literally tell me they did n't care about soldiers XXXX, I am still fighting to get my money refunded.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX (XXXX) reported a 'placed in collection' balance of $XXXX to XXXX on XXXX XXXX, 2017.  

They reported the original creditor as XXXX XXXX XXXX of WI with an open date of XXXX XXXX, 2017.  I do not have a balance with this creditor.  This appears to be a 'new' balance, which resulted in a significant credit score drop.

Over the past couple of years I have received random phone calls and emails from similar payday loan companies threatening to proceed with arrest warrants, direct contact with my employer, putting my social security number on hold, etc.  Additionally, there was direct refusal to validate the debt.
Our home ( primary residence ), as a result of 2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per credit karma but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX XXXX, XXXX and Equifax, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arizona XXXX
My Nevient loan is paid in full. My studentloan.gov balance and the Dept of dept of edu says I 've paid off my loans years ago and all of a sudden they are pulling money from my pay checks. I have an  XXXX  son. I 'm a single mom. Low income. I have letters from the department of education congratulationing me on paying off my loans. I have a check for over payment on my student loans. Etc. this is outrageous!!
Wire transfer recall with XXXX missing and the bank refused to refund or send a letter to explain the issue. 
XXXX is missing from my account after a recall. I spoke with different agents to refund the money to my account or send a letter to explain to me what is happen. I heard different stories from different agents. 
XXXX : she asked me for money to trace the missing amount. 
XXXX : she said we do not charge customers for traceability process an she helped me to submit the complaint XX/XX/XXXX to her XXXX and she provided me the case number XXXX. XXXX said they will contact me within XXXX hours I did not hear from them. 
XXXX : I called today XX/XX/XXXX. XXXX told that his XXXX told him that the case was submitted XX/XX/XXXX this is not true because XXXX did already XX/XX/XXXX. 
Please feel free to contact me if you need more informations.
i am trying to refinance the existing mortgage and the current loan holder is not providing me witht then ninformation i am requesting. i submitted the request and they are telling me it will take 30 days to reecive it.
I have disputed this collection account with the credit bureau 's and it remains on my credit. Upon investigation of my own, I have found out that they are n't even licensed to collect debt for Florida.
I recently checked my credit scores on XXXX XXXX. And I see there are collections from 2009. Syndicated Office systems, and central Financial Control. I have never seen a bill from them. They never even tried to contact me. I also don '' t remember even seeing a doctor that year.
I purchased a flight in XX/XX/XXXX that was delayed over 3 hours. My XXXX XXXX card comes with a 3 hour flight delay protection, where Citi will pay for any reasonable expenses during the delay. I submitted a claim following their procedure, which consisted of meals and taxi rides. I was reimbursed for the taxi rides, but not the meals. I inquired about this, received no response, then inquired again, saying if I did not hear back in a week I would complain to the CFPB. I have still heard nothing back.