WillisBack/dataset-financial-user-claim huggingface dataset:
I have a XXXX XXXX XXXX Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. 
Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called XXXX XXXX to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. 
XXXX XXXX XXXX is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. 
This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting XXXX XXXX XXXX to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. 
I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. 
please rectify this error on my credit report. 
Please look at the XXXX XXXX XXXX   Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. 
Thank you
I have t he Synchrony store card for Amazon th at offers 5 % statement credit on all purchases. I see the section of the statement where this credit is shown each month but as far as I can tell, the credit is n't actually being applied to my balance. For example, my latest statement shows : + 5 % Back {$12.00} + Bonus Statement Credits - Returns - {$0.00} Monthly Statement Credits {$11.00} But no  XXXX  credit is applied to my balance ... the only credit is for the return of an order in the amount of  XXXX .     I 'm not sure how far back this issue goes ... probably since the account was opened.
This is my 3rd attempt at trying to resolve this matter with XXXX XXXX refuses to update inaccurate and misleading information on my credit report. Due to the multiple number of accounts listed with this servicer, the reporting of this erroneous information has caused me missed opportunities for lower interest rate opportunities as well as caused me great stress, strife and anxiety trying to communicate and appeal to the servicer to adhere to the FCRA advisory opinion which is attached and thus states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' XXXX failure to update the CRA of the RETROACTIVE forbearance status that ultimately corrected the late payment history is a direct violation of the FCRA Section 623 ( a ) ( 2 ) as well as Section 607 ( b ) which should promptly be addressed.
Argon Credit was notified that their account was included in my bankruptcy in XX/XX/2017. I notified them several times where I then received a response that they would be noting my account. It has been 1 year and I have not received any other attempts to collect from me, however on XX/XX/XXXX they debited my bank account for a payment that obviously is not owed to them since they were included in my bankruptcy. I have now had to pay a {$30.00} charge to stop payment because this should not have been debited from my account.
On XXXX XXXX, 2017, I found an unknown inquiry to XXXX for New Tradeline from CBNA with Business address as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL Business type : N/A Account type or status : N/A Balance : {$1700.00} I did not authorized this inquiry and want to remove it from my record. Also want to know why they made this inquiry. 
Please help me secure my information. I am totally unaware of the inquiry.
XXXX Account Transaction [ XXXX ] Sales Order XXXX Customer CodeXXXX When I purchased the bedroom furniture from XXXX XXXX XXXX in XXXX on XX/XX/2018 I was advised that I would have NO annual fees or added interest if I paid off the furniture within 12 months. Since, I have incurred interest and finance fees which I am very upset about. I could have purchased the set without using a credit company since I already have credit cards. I was advised by the sales rep to utilize this method to build my credit more for other purchases in the future. I have yet to receive a signature page where I agreed to these enormous fees the only page I signed was agreeing to the purchase and to receiving the furniture. So in essence, receiving broken furniture twice, mattresses with no railings, and missing engagements and giving up my Saturday afternoons has been the worst experience I have had buying anything in my entire life. To boot, I did not receive the bed until XX/XX/2018. My charge total should only be {$990.00} but I now owe almost {$1300.00}. That is almost {$300.00} more than I intended to spend. Buyer BEWARE of XXXX XXXX XXXX and the lie of no fees or interest if paid with in 12 months.
My wife and I are hurricane Florence evacuees. Our only residence sustained significant damage from Florence, over {$350000.00} in damages. We are currently renting a house until repairs can be completed. These are stressful times. All our damage is wind related and our wind policy is with XXXX XXXX XXXX XXXX XXXX but is handled by our homeowners insurance, XXXX. At this time, the insurance companies are not our main problem. Our problem is with our Bank/Mortgage Company, SunTrust, not releasing the insurance checks to us the homeowners so we can pay our contractors in a timely manner. The insurance checks have to be co-signed and released by SunTrust. When SunTrust Bank receives the check from the insurance company that is endorsed by homeowners, SunTrust places the check in escrow until certain criteria is met. This is where the problem exist. My wife and I provided all the required documents to SunTrust from XX/XX/XXXX to XX/XX/XXXX. SunTrust received an endorsed check for {$28000.00} on XX/XX/XXXX. Beginning XX/XX/XXXX, I began calling SunTrust and asking for updates. This is a list of events that occurred over the next 11 days that prevented SunTrust from releasing checks : 1. The disaster date on the claim was different from SunTrust date. SunTrust had the incorrect date and as of XX/XX/XXXX, has not been corrected. 
2. SunTrust Rep was working off a dated adjuster worksheet. I  immediately emailed the updated worksheet that clearly matched the check amount. 
3. SunTrust rep was working off a dated adjuster worksheet again. I resent the updated worksheet again that cleared the discrepancy. 
4. I managed a 3 way phone call between XXXX Rep, SunTrust Rep, and myself to eliminate any other concerns. At the end of the conversation, It as my belief that the check would be released in a day or two. Did not  happen. 
5. Called on XX/XX/XXXX and talked to XXXX, SunTrust Rep. XXXX was very professional and we went through information item by item. XXXX stated that SunTrust did not have one contractor 's estimate signed by all parties, Contractor, my wife, and myself. This document was uploaded via SunTrust website on XX/XX/XXXX. I sent this document again on the evening of XX/XX/XXXX. XXXX also said that the date issue had not been corrected, but while we were talking, XXXX corrected the date issue, I hope. 

Policy Claim Number : XXXX SunTrust Tracking Number : XXXX Regards, XXXX and XXXX XXXX XXXX XXXX
Wells Fargo used fraud to push through a settlement agreement without the remediation for water damages on a condo they assumed with the 2006 bank mortgage melt down. The civil case is 6 years old and in the Appeals Court. 
My opening brief is attached.
I XXXX XXXX applied for a loan on XX/XX/XXXX paying the processing fee of {$1500.00} to XXXX XXXX whom I was referred by XXXX XXXX. Then after that I didnt hear back from anyone regarding my application and I insisted to XXXX an answer for the application and he commented that the loan was being processed. He did n't give us a closing date he only said that we should wait for an answer regarding the loan. I trusted Ascension so I waited till XX/XX/XXXX when an XXXX XXXX contacted me and stated that XXXX was an irresponsible individual and said that he had several weeks trying to contact him and XXXX would n't respond to his calls.XXXX asked for personal information and a service fee of {$750.00}. in which the application for the loan was {$500.00} and to pull the credit was a {$250.00}. Reassuring me that he needed the money right away so he could finish processing the loan because it was approved and i was just waiting for a closing date. Weeks went by and we lost contact and I couldnt get a hold of him. I called and emailed him numerous times with out being succsefull. On XX/XX/XXXX I recieved a call at XX/XX/XXXX XXXX time and XXXX XXXX XXXX.Asking me for a letter notirized letter in which i was suppose to appoint a power of attorney to interpet me. Later XXXX called me and said he had emailed me a letter in my email and to have it signed and notarized and return it via email. After reviewing the letter and noticing that he was appointing himself as power of attorney so i ignored it. I then decided to appoint XXXX XXXX as my power of attorney and interpreter. The following day XXXX XXXX called me and told me that she needed my information I sent all the information she asked for via email. Weeks went by and no would answer my calls. I called numerous calls to XXXX, XXXX and XXXX. I was wondering the status of my loan so I called the bank myself. Then they stated that they could n't processed my load because the underwriter would n't work with people that do n't speak English. XXXX the representative said that they do n't charge for a fee and that they knew the individuals that had processed my loan and that the legal department was going to contacted me and I since then have n't heard anything from the legal department. I was told that XXXX and XXXX was a third party representative
3 unauthorized debit charges on XX/XX/XXXX totaling {$77.00} DBT PURCHASE ON XX/XX/XXXX @ XXXX / INTERNATIONAL SERVICE FEE CARD NBR : XXXX {$2.00} DBT PURCHASE ON XX/XX/XXXX @ XXXX / XXXX XXXX XXXX CARD NBR : XXXX {$75.00} DBT PURCHASE ON XX/XX/XXXX @ XXXX / XXXX XXXX XXXX WA CARD NBR : XXXX {$0.00} Submitted an affidavit through XXXX XXXX branch but didn't receive any feedback or credit back. Tried calling customer service and they are not helpful.
I have contacted this company several times concerning validation of this debt and they only send me outlines of some debt. I sent a debt validation letter and never got the response I am looking for. This company has hurt my credit worthiness with reporting inaccurate information. I have tried several times to fix the situation but to no avail. I am hoping that you guys can help me get this matter taken care of ...
I 've been struggling with spotloan making payments .I 've already paid the amount. They want 3 times the amount borrowed. Predatory lending is illegal in Ga. The balance is n't going down.I ca n't afford to pay 3 times the amount borrowed. It 's ridiculous.
I just became aware - only because I got a free credit report in response to ANOTHER correction - that I have a negative report that I have never heard of. I have never heard of this company or their " client '' and I have never received any kind of bill from them or other communication.
This matter deals with Capital One 's practices concerning automatic payment enrollment for their credit cards, which I believe violates the federal Equal Credit Opportunity Act and its accompanying regulation B, general fair lending principles, the Consumer Financial Protection Act 's prohibition on unfair, deceptive and abusive practices, FTC Section 5, the Fair Credit Reporting Act, and the Illinois Consumer Fraud Protection Act. 

As you can see from the class action I am prepared to file, attached to this letter, Capital One has told me a number of times that it restricts its enrollment in automatic payments to online only. Because of this restrictive practice, Cardholders who do not have internet access, or who can not or do not want to register for online activity, are deprived of the ability to make automatic payments. Cardholders who do not sign up for automatic payments are more likely to forget to make a payment, thereby incurring late fees and additional interest charges. Capital One in fact charges late fees when Cardholders do not make timely payments, and reports those late fees as part of the Cardholder 's balance to the major credit reporting agencies. I myself have incurred late fees and additional interest charges several times due to the fact that Capital One will not allow me to enroll in automatic payments via telephone. 

Capital One reports Cardholder balances to the XXXX major credit reporting agencies, inclusive of the late fees and additional interest charges incurred because they are unable to enroll in automatic payments. Cardholders who do not have internet access, or have limited access, or who prefer not to engage in online activity are disadvantaged by Capital One 's practice of limiting enrollment in automatic payments to online only, or alternatively, are disadvantaged by Capital One 's practice of misleading Cardholders into thinking that they can not enroll in automatic payments via telephone. 

As you know, Cardholders who do not have internet access, or have limited access, or who prefer not to engage in online activity are more likely to be elderly, lower income, minorities or active military. I believe Capital One 's practice of restricting automatic payments to online access only has a discriminatory effect on members of protected classes under the Equal Credit Opportunity Act. 

To the extent Capital One does allow telephone enrollment in automatic payments, its practice of telling Cardholders that enrollment is limited to internet only is false, misleading, and designed to force Cardholders to incur late fees and additional interest charges, in violation of the Consumer Financial Protection Act and Section 5.
I tried to dispute two accounts that I closed and update balances on existing accounts, Equifaxs online dispute does not allow me access although I enter all my information and answer their verification questions correctly. I closed my XXXX XXXX, XXXX and one XXXX Account. XXXX XXXX, XXXX XXXX Visa, XXXX XXXX Master Card all have a {$0.00} balance. My other XXXX credit card has a balance of {$52.00}. It extremely frustrating to try to dispute or even contact Equifax, as they either dont investigate or update accounts properly, or make it nearly impossible for consumers to contact them. And because the outsource their customer service dept is a struggle to comunicate property and convey information
I am referencing XXXX XXXX XXXX Select Credit Card by Citi and am a victim of " bait and switch ''. I called the credit card company which is run by Citibank and spoke with multiple people including supervisors and was told if approved I would get an immediate temporary credit card number so I could purchase my vacation and earn the mileage incentive that was offered in the promotion ( 30,000 miles if you spend {$1000.00} in the first 3 months ). 

If I was told I had to wait 7-10 buinsess days to receive the credit card to use it ; I would NOT have applied or taken out the credit card. To clarify I was worried that I would n't be able to use it immediatly so I called multiple times to verify this and was told MULTIPLE times that I would be given a temporary number to use immediatly if approved. 

After I was asured I would be given a temporary number ; I went to the XXXX XXXX website as instructed applied and was apporved. One approved there were several screens that indicated to click continue which I did assuming that it would give me the temporary credit card number. After I went through all the steps NO temporary number was given. I checked my email as I did receive an email stating I had been approved and it gave me my last 4 digits of my account but no temporary number. 

I was very upset because my fears were true ; bait and switch as expected. I assume that this has happened to others. I called several more times and was told that I would not be given a temporary number and I had to wait 7-10 business days to get the actual card to use it. I needed to book my trip today so  this was not helpful. 

To make sure I was n't crazy I called back and told them my situation I was wanting to book a trip today and saw the promotion and asked if I could get a number today to book my trip and the rep said no problem people do this all the time. Then I told them I had already applied and was not given a number and asked to speak to a supervisor. After a 45 minute wait I spoke to the supervisor and was told I had to wait 7-10 days. 

If you want to try this yourself call them at XXXX and ask them if they can give you a temporary number they will tell you yes. 

I am really upset as I know if i cancel this card it will effect my credit score in  addition this is a {$95.00} a year card. I suspect i will be charged the {$95.00} also. 

Do I have any legal recourse? 

Thanks you for your help.
Looked at my credit report and saw comonwealth financial added items to my credit report when I did some research one item that is listed as me owing XXXX is beyond statue of limitations in the state of Florida also another item was removed in XX/XX/2018 for the exact reason this company has not sent proof of debt or notice to me with date of original service but has re aged the debts to collect
For the past 3 years my account has been routinely frozen, usually without them notifying me. This is because they tag recurring charges as fraud. I have called repeatedly to tell them to stop tagging suppliers I have been dealing with for 3 years, and they just keep on doing it. Nothing I say or do seems to help. Some of my suppliers have multiple charges on XXXX statement. They keep telling me the problem is fixed, but it is n't. I am tired of my suppliers calling and telling me my card wo n't go through. Yesterday, for the first time, my card was refused for a personal purchase at a food store. I was so horribly embarrassed. This has NEVER happened to me. Why? Because they froze my card and did n't tell me. The reason was, yet again, because of supposed fraud. But, it was just my regular suppliers they had tagged. When I called to complain, again, they claimed they had called me. When I told them they certainly did n't, they then said they had sent me a letter. Kidding right???? I asked to speak to a supervisor, who transferred me to the fraud dept. I spoke to a XXXX in the fraud dept. who was supposed to transfer me to someone higher up, but instead hung up on me. This has to stop.
When my wife XXXX XXXX passed away last year, I closed this account as a authorized user not a joint account owner. I received a letter they can not prove I was an joint owner. However, my credit report still shows me as the responsible debit owner. I like this corrected, and have files disputes with Chase Credit Card and credit bureaus.
On Friday, XXXX XXXX, TCF Bank of Minnesota changed over its procedures for online account access ; that is, the previous access page was no longer operational and customers were directed to a new page on which they could create new logins, passwords, and security questions. ( There was no option offered to " '' remind me later. '' ) I erred in creating the new information. This meant I needed to call for help. I was placed on hold for approximately 20 minutes, listening to the loop of ads for the bank. When I was connected to a person I was helped -- more or less -- but found that while I could now access the account from the computer on which I 'd been helped, I could not do so from my other computer. I needed to call the next day and experienced the same long wait and loop of ads. This time the CSR could not resolve the problem ; I was offered a callback from the bank 's IT staff in " two or three days. '' We 'll see. My complaint is not that TCF was in any way crooked or conniving, but stingy or just XXXX. An instant changeover means many customers with problems ; in turn, this requires a large staff. It was evident that there were not enough staff and that the staff was not sufficiently well-trained. As a result, I -- and I 'm sure a huge number of others -- were poorly served by TCF.
On XXXX XXXX, I sent a letter to Experian requesting that they remove all closed accounts, all accounts that are older than XXXX years or all unverified accounts. I received a response from Experian, however, it was n't what I asked for. They only sent me a credit report. The report had nothing removed, deleted or updated. Nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX. Should be removed.
My HELOC was apparently sold by GMAC to OCWEN. A lien placed on my property and I and the title company that is working with my request for refinancing can not locate anyone to make payments to or otherwise clear the lien. 
Moreover I was told the true name of that lien holder was XXXX. 
This all occurred inXX/XX/XXXX-XX/XX/XXXX.
I never authorized this charge. This company calls me non-stop for a bill I do not owe. I have requested proof that I owe this bill and they refuse to provide it.
On Friday, XX/XX/2018, XXXX XXXX of XXXX AL violated my privacy by coming to my home and leaving a collection letter with my husband because I was not home. My husband is not on the loan. I actually never applied for a loan with the company. They also call and leave messages multiple times a day everyday Monday through Friday. They sent a live check to my home due to some kind of pre-screening and I dont even know how they got my personal information. Due to my job closing down money was tight so I deposited the check. I have been unable to pay it back for the same reason.
I recently noticed on my credit report that my best buy account is reporting late payments for over a year and that the account is now closed and negatively effecting my credit. I tried contacting best buy and they were of little help stating that only the minimum was sent, but even if the minimum was sent i shouldn't have all of these late payments on my credit report. I am attaching to this complaint the proof of payments that I made to best buy from my XXXX XXXX  savings account. I tried disputing this information with the credit bureau and they continued reporting the debt. Best buy has been difficult to work with. I have proof of making all of the payments that they are recording as a late or missed payment on my report.