WillisBack/dataset-financial-user-claim huggingface dataset:
I paid off XXXX of my credit cards. I also cancelled the same card. At least a month later I received a call from that credit card telling me I did n't make a payment. I told that person I paid it off and cancelled it. I was transferred to several different people. I was shocked at the way these people had no idea what was going on. I was told that there was a purchase made after I paid the card off. I informed them it was n't me and the charge was made in another state. Each person I spoke to told me something different. They did not resolve this problem and I am still receiving calls from this company. It is also showing on my credit report that I am over my limit. I am totally disgusted with this company.
I was the victim of a scam recently, I 've had my account at First Hawaiian Bank for less than a year and I 've never had too much money in it as I am only XXXX and just making my way in life. I was sent a fraudulent check by someone I thought I could trust for {$2600.00} which I deposited into my account via teller. I was instructed to use this money for an employer who would be moving in to my area to get his apartment ready for him and his family. I was told the funds from the check would be immediately available the day after. I withdrew {$2200.00} the next morning and sent it to who I was told was my employers " landlord and agent. '' I became suspicious of him when he became exceedingly demanding and I told him I would n't continue until he arrived, this only enraged him and he threatened to call the authorities on me and said I was trying to take advantage of someone who was deaf. Out of fear I withdrew the rest of the money {$380.00} to be done with it and sent it to the same person. Days later I receive a call from my bank telling me my check had bounced. But I had already sent this guy money! I just do n't understand how the bank can give me a loan, which is what they did, without my knowledge or agreeing! I feel cheated by my bank for not protecting me, not only has this left me with a big debt on my shoulders but it 's emotionally tolling.
My motorcycle was stolen over 7 years ago and I obtained a police report, with which the debt was removed from my credit. It has now been placed for collection and has been placed on my credit again and they are consistently harassing me about the debt.
Southern Financial came up on my credit report. I made contact with the company seeking full proof as to why they had this listed. I sent this letter certified mail which was signed by a XXXX on XXXX XXXX,2017. After not receiving the validation I sent Southern Financial another certified mail letter stating that false reporting is illegal and not responding to the request was also prohibited. On Thursday XXXX XXXX, 2017 Southern Financial sent a stack of papers. I received documentation that included the detailed list of medicines, codes, tests, and etc. I am aware that this collection agency is in COMPLETE HIPAA VIOLATION. This company intentionally violated my rights under the FCRA law as well as HIPAA. I previously had asked for total validation and they did not comply.
I tried to pay my mortgage for XXXX and found out that my loan has been sold. When I contacted the new company i was in formed that my payment has been raised to over {$450.00} more then my previous monthly payments. I never received any notice of the change in payment or that my loan was being sold. I was told they needed to do a analysis on my loan to see what went wrong but they would n't be able to do that until XXXX. In the mean time i need to make the larger payment.
On XX/XX/XXXX I received a notification from XXXX XXXX that a collection had been placed on my credit report by XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, LA. This amount was paid by XXXX  XXXX XXXX. I spoke to XXXX from XXXX on XX/XX/XXXX. He asked that I email him proof that the bill had been paid by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Tx. I emailed it to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I also spoke to XXXX from XXXX XXXX about the bill. She said she would notify XXXX that this amount should be removed from my credit report. Today, XX/XX/XXXX, I find out that the notification has not been removed from my credit report. I spoke to XXXX from XXXX and XXXX from XXXX XXXX XXXX about this matter. XXXX stated he had not received thee email XXXX from XXXX said it would take 4-6 weeks to notify XXXX XXXX. XXXX from XXXX said he could not do anything because XXXX XXXX has not notified them. I have already waited 4 weeks to get this matter resolved.
I have attempted several times to correct XXXX XXXX XXXX reporting on my own. They are in violation of the FCRA XXXX. They are not reporting information 100 % accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting 100 % accurated dated and verifiable.
XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD FED LOANS HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.
The company XXXX funding sued me without a subpoena or notification, now many years later they are garnishing my wages without any notification. The company also can not provide any information regarding the alleged debt.
Last year I accepted XXXX balance transfers from my XXXX credit card administered by US Bank. The promotional 0 % rate was to end with the XXXX 2015 statement which closed on XXXX XXXX, 2015 - at which point the interest rate would increase to 17.99 %. On the XX/XX/XXXX statement the remaining balances were listed as {$410.00}, {$1400.00}, and {$1300.00}. 

On XXXX XXXX and XXXX XXXX I paid {$1600.00} and {$1000.00} respectively to US Bank in order to decrease the amount that would be charged the high rate, believing that after the minimum payment was met the additional amount would be credited to the highest rate balances. 

On the XXXX 2015 statement I found that the {$2600.00} had been credited to other balances with 0 % rates. There were interest charges totaling {$51.00} on the XXXX balances in question whose interest rate had increased from 0 % to 17.99 %. Nothing had gone towards paying off these balances. 

On XXXX XXXX I called US bank. Both the initial customer service representative and her supervisor told me that the {$2600.00} had been paid too soon as the 17.99 % interest rate would not kick in until the XX/XX/XXXX statement and that there was nothing they could do to help me. I do not see how this can be correct as there was already a {$51.00} interest charge on these balances. I asked to speak to a Manager and was told that one would contact me, but no one has called. 

Could you please help me resolve this issue. 

Thank you.
I have been on an income based payment program with Navient for the past few years which made my interest rate around 4 %. I was asked in XX/XX/XXXX to call to extend the program or my rate would increase to 9 %. When I called they said that my income was not high enough to qualify for the program and that my payment would increase from {$450.00} to {$760.00} per month. Needless to say i can not afford this amount, so I asked to speak to a manager who re-reviewed everything and told me that my income was too high. Ultimately I am trying to work with them on a payment program that i can afford, and that is reasonable but they are playing games. i am looking to refinance now, but am really hoping to get some advice and help on how to move forward.
My credit report is currently showing a debt owed in the amount of {$270.00} to AFNI collections for a XXXX account. This debt has been paid in full. This debt was paid on XXXX XXXX. I am requesting that this debt be removed from my credit. Please find the XXXX account details below. 

Account Name : XXXX XXXX Account Number : XXXX Service Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Close Date ( on record ) : XX/XX/2015 Balance Owed : {$270.00} I had my XXXX XXXX, at XXXX XXXX XXXX, disconnect on XX/XX/2015 because my lease was up and I was vacating the apartment unit. 

I relocated to Utah shortly after. I committed to a lease ( please see lease attached ) and moved into a new home, located at XXXX XXXX XXXX XXXX, XX/XX/2015. 

To sign up for new cable service in XXXX, with XXXX, I went into the local XXXX store. It was there that a XXXX representative informed me that in order to begin new cable service at my XXXX XXXX, I would need to satisfy a past due balance in the amount of {$270.00}. I paid the {$270.00} in full, in the store and began my new service. 

This debt has been paid in full.
Date : XX/XX/2018 Open : XX/XX/2018 Amount : {$13000.00} XXXX XXXX  put us in collection with XXXX XXXX XXXX XXXX trying to claim that I and my spouse own them {$13000.00} which we're not because we move out before the eviction date which was the 3 days notice they told us on the paper and stick it on our door but we didn't go to court and and court already said that its dismissed but they still want to claim us which we believe its a lie saying XXXX now when we went to the apartment to make sure now they told us to pay XXXX something now as you can see the property trying to tell two different story here and trying to collect the past rent but with the law for Washington state saying that on XXXX also saying if you move out before the expiration date they gave you they should not lay hand on your money no matter if you own them past due rent ... so now my lawyer is trying to see because he told me he don't see any eviction for XXXX XXXX in XXXX WA so now its getting cold and we live in our car because of this.. So please disputed this from all of the three credit from mind and also my spouse credit thanks and may god bless us all thanks for reading this.. 
if you want me to email the paper court please send me your best email and a phone number so i can send you all the document you need. 
and your name thanks
This is to inform that credit card company XXXX XXXX XXXX reported 30-day late payment to credit bureau companies such as XXXX and Trans Union. I was in job movement from XXXX to XXXX and I forgot to pay small amount of {$40.00} or less on my credit card. I not only paid my dues but also a modest penaly of $ XXXX-XXXX. I do n't understand why XXXX is defaming me in my credit bureau reports since I have paid them penalty for late payment so they have no right to defame me or report bad for me. They can not penalise me monetary as well as social embarrassment.
This is in response to  XXXX  that I filed and  NFCU  responded. There was a second part that was not addressed, even with a follow up email.     Because of my financial situation my house nearly went to foreclosure a second time. I called to bring payments current a few days it was scheduled to go to the foreclosure attorneys. I was told I had to repay the arrears AND the fees to the attorneys for the foreclosure. I asked why I would need to pay attorney fees for it going to foreclosure when I was making payments prior to it going. I was told I had to pay the attorney fees because my mortgage met the criteria and had already been voted on to go to foreclosure. I could not make a payment for any amount unless I paid for attorney fees. I am not sure of the exact time frame this occurred. I know there was a huge storm on the   east   coast and my call was sent to a person in Florida to handle because no one was able to get to work where they normally take care of mortgage collections.     Honestly, I do n't expec t NFCU to handle this request any different than the other complaints I have submitted to the various organizations. NFCU has proven time and time again they are incapable of policing themselves and doing the right thing. It really is pathetic that NFCU  treats veterans the way they do, serious lack of integrity.
1. On XX/XX/2016, we purchased a car, the dealership was looking for the best interest rate so 4 different companies ran a hard credit inquiry. Experian is counting each inquiry separately and reduced my score by 22 points. I explained to Experian that the multiple inquiries should only count as one but to no avail.

2. I am using Experian credit tracker program. I pay for this service every month. My credit score is higher on the program than what Experian is reporting to mortgage companies. Experian is reporting my credit to the mortgage company 20 points lower than what they are showing on their website as my FICO score.

3. Overall Experian has lowered more score for no reason. Example, I did not use my credit paid all bills on time for minimum 2 months in a row because we are purchasing a home, Experian lowered my score by one point.

Is there anyone who can actually view a credit report and determine if the points are accurate as I feel as if my score is not correct.
Vehicle was leased in XX/XX/XXXX through XXXX XXXX XXXX. 
A few lease payments fail behind, and I received ongoing robo calls to my cell phone. 

I reached out to an attorney who advised me to make a three way call to call XXXX XXXX XXXX while his office was on the other line, requesting that they stop the robo collection calls. 

I continued to pay my lease off, However, Hyundai continued to dial my cell phone using different phone numbers. I maintained a call log.

Moreover, I have a paper trail of all or my payments. 

My lease concluded on XX/XX/XXXX, and the vehicle was turned over to XXXX XXXX Dealership in accordance to my lease agreement.
Account Discovery Systems had called my employer after I specifically requested them not to. I work for a XXXX and not only did they contact the XXXX I work at but the XXXX district! I am mortified as I am attempting to get a full time XXXX there next year ( I am an XXXX now ) .This has made me look really bad. They have sent several calls to my husband as well as his mother and father who have nothing to do with my personal debt. Now they know and call me asking why creditors are calling them! I feel harassed. I told them I would pay them when I have money but I do n't right now. They have even threatened to have me sign a form that they will give to my employer to garnish my wagesI did n't even know this was legally possibly unless thy pursued a court case against me which they have not.I ca n't sleep at night because of the XXXX of having to come up with the money to pay them so they can quit harassing me. All I want is for them to stop violating my privacy and calling my employer and my husband and his family.
I closed on the home equity line of credit with Branch Manger XXXX of Citizen Bank branch # XXXX NY XXXX early this year. She knew I have funds available in the account. She asked to borrow money in amount of {$100000.00} with interest paid upfront in amount of {$3300.00} for time sensitive need, required in 72hrs while the other lander is charging her {$10000.00} up front fee in addition to interest. She assured at the most it will take 30 days but on the safe side I will give you 90 days promissory note.I reluctantly agreed. She transferred the funds from my account right then on XX/XX/2016 and pass me the copy of interest calculation which was done on XXXX (? ), I had the sinking feeling then that it may just be the planned withdrawal of funds!! 
30 days pass by, nothing happened. Promissory note given to me after repeated request but it had the different wording -- -no later than XX/XX/XXXX or upon the closing of the mortgage. That 's not what was mentioned to me at the time of transfer. 
XX/XX/XXXX passed by -- -- no funds came back to my account. i reported to regional manager, XXXX XXXX, he asked to see the point person, XXXX, the investigator, She promised to contact me as soon as possible but no contact came! Citizen Bank let go manager XXXX + XXXX ( person notarized the document and processed the transaction. Both knowing violated the bank-client relationship. No help from Citizen Bank to get funds back into my equity account, was bank money loaned to me, now I am responsible for the payment for next 15-30 years while the Manager, XXXX has the money with no certain date to return!!!
I have had a recurrent issue with getting a resolution regarding the inquiries on my credit report with the Equifax credit bureau. I have sent a notarized letter and have spoke with representatives on several occasions. There are hard inquiries on my credit report that I did not authorize and not aware of the company at all. The credit bureau has failed to properly investigate this issue and has sent me a generic letter stating that the inquiries are accurate but they have failed to send me proof of the accuracy. The inquiries that have been disputed and not resolved are the following :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , and  XXXX   XXXX   XXXX . I appreciate CFPB looking into this matter further.     Best Regards,  XXXX   XXXX
Acct Closed on XXXX/XXXX/09 with XXXX card. Still showing on my Transunion report.
IN XXXX of 2017 I was encourged by a co worker to go to XXXX XXXX in New Hampshire as my co worker 's son was a sales person at this dealership. I had just turned XXXX years old and had no knowledge of how to buy a car or secure a loan on my own. I did not know what a good interest rate was, what it means to have a consigner and on and on. A couple of months later my car was vandalized and I came down with XXXX. As. XXXX XXXX I needed my car for work and was unable to drive the vehicle any longer for safety reasons. I was also not able to XXXX any longer as I could not afford to register the car. I was not aware that as a resident of the state of Maine I would have to pay the taxes I " saved myself '' by purchasing a vehicle in NH. Given the XXXX I was not able to work " inside '' tXXXX XXXX  for a week. This caused my to be behind financially. I started to recieve calls from XXXX XXXX ( the company my car is financied through ) and it was at this time I realized that something must be off with this loan. I had my mother call Exeter with me to explain the terms of my loan " I had no paper work on hand ''. I learned that my interest rate is 27 % over a course of 72 months, that it is a simple interest loan and I am being charged a fee of {$10.00} a day for each day that it is late. That $ XXXXday does not increase my payment but it does take away form the amount of my payment that is applied to the principle. I am also being charged a 5 % late payment fee that does increase my monthly payment after being late 10 days. On the advice of my mother and with her assistance I am writing this complaint. A 27 % interest rate sample loan for a vehicle is AT BEST PREDATORY and can not be legal? I was 100 % taken advantage of by the finance department at the Dealership. XXXX XXXX should be locked away for charging this type of rate for a loan and then adding astronomical late fees! It is obvious that this company preys on people with poor or no credit, they never intend for me to be able to pay off this loan, they are making more profit off the backs of people with little resources.
I  XXXX   XXXX   XXXX , obtained financing from   XXXX   XXXX   in   XX/XX/XXXX   as an INTEREST ONLY Loan paying paying flawlessly for 15 years {$1800.00} until   XX/XX/XXXX   I missed my first payment because of a pending  retirement . I requested a Loan Modification that would have been in line with the projected Social Security Monthly Benefit Payment, however,  XXXX  did not response, but did write a on   XX/XX/XXXX   stating that I was in default, then suddenly sent another letter dated   XX/XX/XXXX   informing me that the Mortgage was transferred to SLS, I immediately applied for a Loan Modificcation with SLS sending the  1st.  completed request package on   XX/XX/XXXX   explaining in my hardship letter, I was  retiring  in  XX/XX/XXXX , and wanted to remain in my home. I furnished in that request a  Letter f rom th e Social Security Administration sho wing my reduced income will go into effect on   XX/XX/XXXX  .  SLS OFFERE D THE LETTER AND OFFERED A LOAN MODIFICATION BASED ON MY SALARY. I refused the offer and month after month, with each newly assigned Relationship  Manager, I sub mitted a Request for a Loan Modification ( RMA ) I used the  XXXX   XXXX   XXXX  Forms. I extended my  retirement , and medical treatment to   XX/XX/XXXX .  To date, no offer of a Loan Modification inasmuch as I can show Social Security Deposits in my Ba nk Statements. I tried to short-sell, and with offers sent to SLS, there   have not been any responses to the short=sell. I cancelled the short-sell in   XX/XX/XXXX , an d have sent Loan Packages in   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   a nd  XX/XX/XXXX  el ectronically. I want a loan modification based on my reduced financials. I paid over {$260000.00} in interest to   XXXX   XXXX   for 15 years and have NEVER ONCE BEEN LATE!
Nationstar Mortgage claims they are servicing a loan for the   XXXX   XXXX   XXXX   XXXX    XXXX . The   XXXX   XXXX   XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX   XXXX   filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX     XXXX  was awarded Judgment of Possession in  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I filed a lawsuit to enjoin a  Wrongful Post-fo reclosure eviction. On  XXXX / XXXX / XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the  Court  they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX   XXXX   XXXX ,  XXXX   XXXX  Texas.     On  XXXX / XXXX / XXXX ,  Nationstar  's attorney admitted in  XXXX  pen Court they were only responding to a dispute letter. They had sent me no default letter, notice of Acceleration, or n otice of foreclosure. However, my credit report shows I 'm delinquent.
I received a promotional gift card from Citi for a XXXX tires purchase made in XX/XX/XXXX. The promotion provided an {$80.00} prepaid card with the purchase of a new set of XXXX tires. I received the card in late XXXX / early XX/XX/XXXX. Unbeknownst to me, the card had an expiration date of XXXX. The card was packed away in a move and later realized to be expired. I contacted Citi on XX/XX/XXXX to request a replacement, as I have done with other prepaid cards that did not have an expiration date. Citi informed me that the card had already expired and the {$80.00} balance on the card had been " forfeited. '' I have now learned that promotional cards are not protected under the CARD Act, like I had understood gift cards to be. This is another way for corporations to " legally '' steal from working people and it is shameful. It is certain that many other people are being taken advantage of in this way. I would like for Citi to pay what they owe to me and other mistreated consumers. I also implore CFPB to encourage legislation to protect consumers by including prepaid cards and other forms of circumnavigating the CARD Act into law.
I contacted wells fargo home mortgage when i put my house up for sale and was told by a representative that they do not report to the credit bureau until after 45 days. I made my mortgage payment before the 45 days. Wells fargo reported my account to the credit bureau. I have asked them to fix the error and they refused. their employee gave me a wrong information and they should n't have reported that negative information on my credit report since it was their employee mistake. I have had my mortgage with wells fargo for more than 5 years and never paid more than 30 days late until their employee gave me wrong information.