WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern, I just received verbal confirmation that XXXX XXXX, Daughter, will be removed as an Authorized User on my Sear 's Credit Card, account number XXXX ( the Account ). It is my understanding that Sears intends to continue reporting the Account to XXXX, XXXX and XXXX on XXXX Credit Report, with the premise that she is not responsible for the balance. Unfortunately, although she is not responsible for the balance, I have written proof ( see attached ) that the existence of the Account and the related payment history ( that she is not responsible for ) is negatively impacting her credit score. XXXX is in the process of purchasing a home ; the negative impact ( lower credit score ) from reporting the Account on her Credit Report, will prevent her from qualifying for the Mortgage. Since she is not, and was never, responsible for the balance on the Account, I do not understand why Sears would report it to XXXX, XXXX and XXXX on her Credit Report in the first place? It is based on this premise and the proven negative impact the Account has on her Credit Score that I request that the Account be deleted immediately from any and all future reporting, on behalf of XXXX, to XXXX, XXXX and XXXX. I would like written confirmation that this request has been submitted to XXXX, XXXX and XXXX and that in the interim, I would like it noted on my Account, immediately, that I authorize a responsible Representative, from Sears, to discuss this information openly with XXXX XXXX, XXXX, XXXX and XXXX. This dispute has been going on for over a week. Time is of the essence ; XXXX is currently under Contract to purchase a single family residence at XXXX XXXX XXXX, XXXX, TX XXXX and if we do not receive the written and verbal confirmation needed, she will lose out on the purchase. This is not an insurmountable request and I feel it is something that could be done immediately.
My Best Buy Credit Card, member since XX/XX/XXXX, was purchased by Citibank. I was charged the annual fee XX/XX/XXXX which covers the card through XXXX XXXX. My card expired in XX/XX/XXXX, I received a notice dated XXXX XXXX that my card would not be renewed due to a review of my credit. While I do not want the card or any account with XXXX, I do think its unfair and deceptive of Citibank to collect my annual fee, notify me after the card expires that my account has not be renewed. Why are they not required to do it prior to collecting the fee? To add more insult, they refuse to reimburse or credit the account for the annual fee. I was told that it could not be done systemically. I spoke to XXXX different customer service reps who all advised me of the same thing. They have also prevented me online access to my account to make a payment and I now have to call or mail my payments by mail. I also contacted them through social media and was promised a call within 48 hours and they have yet to contact me. My tax dollars went to bail out this bank yet they can not do anything to help the average customer.
I invested in concurrency XX/XX/2017. I used Coinbase as it is the lead US wallet for crypto. I made a decent amount of money, so i decided to hold and just use my wallet as a investment in case the price was to rise. well I had not touched my Coinbase accounts for almost half a year. When one day, I checked my bank account and saw that coinbase had charged me 4 separate transactions that totaled to $ XXXX. Once I saw this I logged into my Coinbase account on XX/XX/XXXX and saw that my currencies had been emptied and sent somewhere else and someone was able to use my card to buy $ XXXX in bitcoin and sent it also to a address. I have contacted coinbase and they act that they do not care. I get different answers every time I call and quite frankly it is something I consider quite serious. I lost about ~ $ 6K and they just say I have to wait for my support ticket to get looked at. I am not too sure if it was a hack or not. I have reason to believe my account was not actually hacked. I received ZERO emails for any transaction that happened. I received ZERO 2fa for any login attempts. This is why i have reason to think it may be fraud. It really is a joke when a company treats money with support tickets. It just seems like someone had administrative access to my account and misused it.
I have contacted this company and disputed these charges prior to doing this. I have set up a payment plan wit the Original Debtor XXXX XXXX to pay payments on all debts in their system in exchange for these being taken off of my credit, its close to {$5000.00} plus dollars. I have been making complete payments and also on time. And there were three debt collectors, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. The other two besides XXXX XXXX XXXX have removed their 's but this company refused to. I have no contract with them as well as no debt with them, and furthermore .... before I disputed the charges on my report I NEVER RECIEVED ANY SORT OF NOTIFICATION on this debt, which I received on X/X/18. So not having my information is no excuse to not follow guidelines here. I had no clue my insurance did n't pay these items UNTIL IT HIT MY CREDIT!!!!!!!!! This is a shady tactic used because I applied for a loan. Im very disappointed because all I had to do was make a phone call to them and my insurance to handle it. Please remove this as the client and the consumer requests before any further monetary damage is made to my credit. Thank you.
XXXX XXXX XXXX is claiming I owe them over {$1400.00}, problem being I never borrowed money from that establishment ... they are located on an XXXX XXXX, so they are exempt from state law.. I am the victim of identity theft ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX
I was first made aware that I had an outstanding debt with " XXXX XXXX '' entity when it first appeared as a derogatory entry reflecting an outstanding debt of {$830.00} ; and after extensive research and number out calls I was made aware that this is an entity owned by and/or affiliated with XXXX. I then called time warner cable approximately 8-10+ times over a period of 4 weeks, with each call having spent in excess of 30-90 minutes per call ; each time ending the call with a different promise from each representative that I spoke to confirming that they would be researching the debt, and getting back to me with a resolution. Despite these promises on numerous, separate accounts, I never received any follow up- by phone, email not by US mail to validate the debt. The only information that I was given during one of my initial calls with XXXX was that their claim appears to reflect an amount outstanding for equipment that was not turned in following the termination of my cable contract with them dating back to 2011 ; to which I made it clear that I was 100 % certain that I did in fact turn my equipment in at the earlier date to which they were referring. My issue with them notwithstanding their dishonestly and lack of cocern and follow up ; was that I wqs Never informed by any Means ( phone email not US mail ) of this alleged debt, and the first instance was almost 5 years following the date of their claim on debt, never once by the entity themselves ( XXXX or under the Alias XXXX ) ; but only on the instance in my credit report Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? Disclosure verification of debt : Right to dispute notice not received DESIRED RESOLUTION What do you think would be a fair resolution to your issue? 
Remove debt as listed on my credit reports with all XXXX credit reporting entities Immediately. The amount of time, agony and negative reflection this has caused is unacceptable, and their lack of concern for follow up ; and dishonestly about doing so is extremely concerning.
I was a victim of identity theft. Someone tried to apply for an Capital One card in my name. When I noticed the inquiry on my credit file I notified Capital One thru certified mail of this discrepancy. They ignored my request. It has been over XXXX days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Capital One.
I have/had a Bank of America credit card. I was making monthly payments ( auto payment ) on time and had not missed a payment since starting with the company in XXXX. Approximately six months ago the percentage rate change and I was unaware of the change. I was finally made aware, by letter, that I was delinquent. I immediately payed the late charges. Bank of America closed the account. On XX/XX/XXXX, I attempted to pay the full amount of the balance using a routing number. The amount was roughly {$11000.00}. I was sent a confirmation number for the payment that same day via email. The payment was due on XX/XX/XXXX. On XXXX XXXX, XXXX, my wife informed me that she had not seen the moneys withdrawn from the account. I contacted Bank of America by phone to determine what had happened. I was told that the routing number had an extra 0 in it, so the payment was not processed. I asked why I was not sent notification by email. I was told that they only send notifications by mail. I then paid the balance of the account minus a {$38.00} dollar late fee, because I believed that the late fee was a predator practice by the bank. The customer service rep was not able to remove the late fee at the time, since it was so new. I called back a few days later to dipute the late fee and was told that, because of my history ( late  payment from the interest perecetage change ) they could not remove the late fee. Wanting to close the account, I paid the {$38.00} late fee that had now turned into a {$170.00} fee. I paid the {$170.00} confirming that this was a pay off amount and the account would be at XXXX balance. I received the letter that the XX/XX/XXXX payment did not go through on XX/XX/XXXX. On XX/XX/XXXX, I found out that I had a {$1.00} balance. On XX/XX/XXXX, I contacted Bank of America by phone and paid the {$1.00} balance. I asked the customer service rep to confirm that this amount was the full pay off amount. I informed that customer service rep that she was being recorded. She did confirm that this amount was the pay off amount. The account is closed.
I 've noticed that student loan repayments made on line by myself are immediately deducted from my checking account in real time - yet these monies in real time transferred to the lender often are not processed toward my loan for 3 whole days resulting in the accumulation of additional interest for these 3 days. Will that change as the " End Of Early Paydays '' will on XXXX, XXXX resulting in the immediate processing of my loan payment in real time?
Car broke down ( XXXX XXXX XXXX ) had already paid XXXX for brake job repair. Signed a note with XXXX XXXX XXXX XXXX. under ( XXXX XXXX ) for brake repair, after repairs the amount was XXXX after 90days. XXXX for 12 months. I can not borrow or raise the money to pay the loan off by XX/XX/XXXX. I already made 2 payment of XXXX. XXXX a piece. What can I do? Just keep paying for 1yr? I said the brake repairs were too much. and I was treated very hostel by MGMT. was told '' move your car off my lot or pay in a loan for repairs, I am an older lady and I signed for repairs.
XXXX Credit Card sold tobWindy City Capital Management, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Il XXXX. I received letter ant owed. I called and set payments thru pay bills from my checking acct. Paid a small amt as on all my medical/credit card bills. Windy city sold acct to XXXX XXXX XXXX who left threatening harrasing msg on my phone. I called them. They offered high settlements. We then agreed on XXXX a mth but wanted me to give them my credit card or bank #. Told XXXX and XXXX XXXX I would not. They would not give me their address/info. Gave a XXXXXXXX XXXX XXXX,, XXXX, IL XXXX. I told them I don't mail money to questionable comp who didn't send me validation notice, what I owe and info abt their company. Said I would see them in court. XXXX XXXX angry. Called XXXX with Windy City Capital Mgmt asked why I was being harassed after making a payment. She became very rude. Asked why she sent my acct to scam comp making threatening calls. She hung up.
I received an " IMPORTANT PRIVACY CHOICES '' from you, " ally '', sent to my address using my name. You are not affiliated with anybody with whom I do business.
There are many mistake in my report, I have never paid late these accounts :  XXXX   XXXX    XXXX     XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX   Account #  XXXX    XXXX   XXXX   Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX  Account #  XXXX
The private student loan accounts from Navient all showed closed in 2016 and now they are all showing that they are open again and my cosigner is now listed as a joint account hold instead of cosigner. I contacted Navient about not being able to make payments because of hardship and even after doing a financial statement showing a negative income after all my bills they still wont put my loans into forebarance.
I acquired the home that i had lived in for 15  years via a divorce. Ex husband gave me the house and a gift of equity and deed was transferred. I had contacted SPS in late XX/XX/2018 after my divorce in XX/XX/2018 to begin to assume the mortgage. The plan according to them was to Assumption of mortgage 1st then a Modification. SINCE submitted all required documents early XX/XX/XXXX i have been in constant communications with them every week since early XX/XX/XXXX. I have submitted and re-submitted documents. They alleged they did not receive certain documents or they will ask me to submit documents because they need certain numbers CIRCLED on my bank statements. I just resubmitted for the 2nd time my childrens income that i get due to my XXXX, even thought all of this was submitted in the initial application. I was originally told mid XX/XX/XXXX that it will be 30 days. It is now XX/XX/XXXX-nearly 2  months later and i am still getting the run around submitting documents all over. I am on social security XXXX and get child support and alimony. all that was documented. this run around has caused me alot of stress-not knowing whether i will wake up with a foreclosure sign on my front lawn. 

In addition, ex husband gets periodically phone calls from SPS ( the Florida location ) not Utah ) stating NONE of the documents and the application has been submitted. THis is a typical case of the right hand does not know what the left hand is doing. Just too many people handling my case and no resolution. I have also sent emails to Ombudsman  over at SPS and that has never been answered. I also sent emails to the agent that is suppose to be handling the case 2 times and he has not answer neither of my emails. 

Select Portfolio Services is essentially bleeding the equity of my home. i only owe XXXX. but since my ex husband left we are behind. I have since acquiring the home been sending XXXX dollars to cover some mortgage in hopes that i don't fall too far behind. But as far as i can see the money that i am sending is not getting applied and i am now behind XXXX. Of which XXXX or so is late fees and application fees. 

I would really appreciate some help in this matter / suggestions. The loan is still currently under my ex husbands name due to lack of follow through from SPS. 

THanks XXXX XXXX
For a number of years I have had a Capital One credit card XXXX hereinafter XXXX ). For some time I have had various businesses ( XXXX XXXX XXXX, XXXX XXXX, etc. ) automatically charge XXXX for reoccurring monthly fees. This has worked fine till now. 
The way it works is I sign onto a businesses web site and enroll in / update my automatic payment information XXXX hereinafter AutoPay XXXX. After a period of time XXXX several business days ) the change percolates through the business system and everything is in sync. 

My current problem is that XXXX decided without informing me to issue a new card with chip technology and invalidate my old card. Although I have updated the AutoPay information there is a likelihood that a business will attempt to charge the old CARD info because of the delay in synchronizing all of their systems. I have chatted with XXXX and XXXX from XXXX and they ca n't provide a solution. 

With the prevalence of e-Billing and e-Payments / AutoPay methods I feel that it is incumbent upon XXXX to have a method of processing AutoPay events that are referencing the old card information while the individual notifies business of the card information changing and the business processes the change in information. And although I am involved with Capital One the need applies to _all_ credit card issuers. 

Therefore I am requesting that your agency contact Capital One regarding this problem and consider promulgating regulation XXXX XXXX ) to implement this.
Im in the process of doing a short sale on my house, to avoid foreclosure.I was given permission from the bank-Bank of America & lt ; to do so.I was told that any correspondence concerning foreclosure would cease, for Im trying & lt ; in good faith, to get the property sold.However, today, I received a notice that the house was to be sold at a sheriff 's sale XX/XX/XXXX.BOA did nothing to cease these notices ; but Im not surprised-Ive been dealing with incompantency & ignorance with BOA & Countrywide for literally years ( 5 years in bankrupcy because Countrywide charged illegal fees & the last almost 3 years trying to get this mortgage straightened out to no avail ) Im fed up & stressed out & am considering a lawsuit
Selene Finance has refused to provide me with a mortgage statement that I need to have for my appointment with New Jersey Citizen Action.I have been asking for several weeks.
On XX/XX/2018 my checking account had an ACH in the amount of XXXX. Another charge on XX/XX/2018 in the amount of XXXX. 

This resulted in 4 nsf and return fees of {$36.00} each. 

The company XXXX XXXX XXXX is now unable to answer questions as they say the account is in collections.
I purchased my home XX/XX/XXXX and never was behind in my mortgage. Unfortunately I became involved in a predatory loan with XXXX XXXX, loss my job XXXX XXXX and then Hurricane XXXX hit. I had XXXX feet of water in my first level. My flood and homeowners insurance paid me but Indy Mac would not release the money. I stopped paying my mortgage and fixed my house. I began filling out loan modification papers for years, then they sold my loan to OCWIN ( XXXX # XXXX ). Again kept filling out loan modifications only to be told the lender does not due loan modifications. I 've hired a lawyer who tells me there is nothing we can do and they are foreclosing on my home. I 've worked XXXX jobs my whole life for this house and its being taken from me. Please help me to save my home.
A computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries added a hardship and that my rights were violated by TransUnion. Can help you make TransUnion stop victimizing me? As a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
THE XXXX APPLICATION FOR THE XXXX LOAN WAS REJECTED. 
I SPOKE WITH THE MANAGEMENT BASED ON THEREJECTION OF THE XXXX LOAN. 
I EXPRESSED TO THE MANAGEMENT THAT THEREAL REASON FOR THE REJECTION WAS THEUSE OF DEBT MANAGEMENT PROGRAMS ONMY CREDIT REPORT AND THAT I RECEIVE XXXXPAYMENTS AND AM ON XXXX.
I had called at some time because I was having financial struggles as a single new mom and no one to help support me and I was told I could make a {$10.00} payment for 10 years and then the loans will have all been forgiven. Later in the course of my loan they either cancelled it or told me I had to re apply for a " income based repaying '' plan .. which I did not understand and since then I have been on this repaying plan paying nothing! I was confused at the time but continued to do what I was told. I am concerned now that I may have been taken advantage of because I had no knowledge of the bait and switch they were pulling on me. I want my original agreement to be honored. This is not fair.
I received a copy of my credit report, I notice a hard inquiry that was fraudulent. I called Experian and explained to them that I have been a victim of identity theft, also ask them to remove the fraudulent hard inquiry from my credit report. Please removed this fraudulent hard inquiry from my credit report, thank you very much for your help. XXXX XXXX XX/XX/2017 2017
I received a call from someone identifying them selves as EOS CCA refused to tell me why they were calling unless I gave them personal information the caller id number was a XXXX number when I asked him where was calling from he said XXXX
Coinbase recently moved to a account confirmation process that requires either a webcam or smartphone to complete. I have tried using both and I can not get the ID verification to work. ( Note that I already was approved for the exchange and using Coinbase regularly before this new procedure was implemented. ) As a result, I can not buy or sell virtual currencies I hold via the Coinbase exchange. I have tried every alternative I could find, but the only Coinbase support readily available is a bot that spits out canned answers that do not fix the problem. I have made three requests to speak with a human who can get me back online, and I have had no response. There are many other problems with Coinbase as well  -- they are apparently overwhelmed and the site goes down all the time -- but right now I just want access to my account so I can liquidate my holdings there.
I did short sale on XX/XX/2010. I had the first mortgage and 2nd mortgage. The first was Chase and the 2nd was Chase Equity.  Chase took XXXX and Chase Equity {$3000.00}. 

Chase have kept charging me late charge and kept reporting the debt. I kept sent all short sale documents so many times to Chase but they have never replied.
Transunion credit bureau keeps Showing a open account with XXXX which was paid in Full.
This is not a typical mortgage loan. Each month, a different amount is applied to the principal depending on the date I make the payment. The loan started at about {$220000.00}. I have been paying it for 15 years and my loan is XXXX. I am never late. My loan is due on the XXXX. If I pay on the XXXX, they apply about XXXX to my principal. If I pay on the XXXX, they apply about XXXX to the principal. On the XXXX it is even less. My payment is not late until the XXXX, but over the years I paid it around the XXXX and almost nothing was applied to the principal. Other mortgages I have had apply the same amount to the principal each month as long as it is paid before the deadline. Also, as the years go on, with a conventional mortgage, more of the payment goes to principal and less to interest. To only pay off {$20000.00} in 15 years is unreasonable. I have tried several times to get a loan modification or to refinance. This is XXXX XXXX I was told they don't do modification and I could not refinance because the appraiser they sent told them my house was were less than what I owed. I was charged {$450.00} for the appraiser. I also can not take advantage of HARP because this loan is not from XXXX XXXX.