WillisBack/dataset-financial-user-claim huggingface dataset:
Recently got credit report notice a collection on my account. For the amount of {$890.00} from ACcount Resolution a service - I spoke with a rep they stated that it 's for XXXX XXXX - my son a bill from XXXX 2012. I advised the rep that my son has state insurance.
I made several attempts writing letters to Equifax to remove unauthorized from my credit report and they have continued to state that inquiries are matter of fact without even making any attempts to investigate these disputes. Therefore they continue to report these inquiries in my credit report. This is ruining my life and not to refinance my house and get any credit because of these hard inquiries. Equifax even have my address wrong on my credit report which is a reflection of a deliberate attempt to ruin my life. They have my address as XXXX XXXX XXXX XXXX Ca XXXX. My correct address is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. This is probably where the problem is coming from.
I had XXXX autos on XXXX XXXX policy purchased through a broker. In XXXX XXXX I cancelled XXXX of the autos ( XXXX XXXX ) and notified the broker in writing. The broker confirmed via email he would cancel. I noticed in late XXXX that the policy still reflected XXXX autos and I had paid over a year for insurance on a car that was insured with other companies during that time. After providing proof of insurance to XXXX and my broker, XXXX did not credit the policy premiums all the way back to XXXX XXXX. So I deducted XXXX roughly ( the balance of the credit they owed me ) from my last payment and cancelled the policy. nationwide placed the balance for collection with Credit Collection Services. They refuse to honor my dispute, they dont review my written dispute material, and they 've listed the collection item on my credit bureau. I 've send them my detail and correspondence XXXX different times. Once by writing, XXXX time via email and lastly by up loading by evidence on their web site.
I am aware that Transunion had two separate glitches and my inquiries were deleted and then re-added once the glitch was discovered. I am well aware of my legal rights and legal protections and they failed to notify me in writing within 5 days prior to re-adding the inquiries to my credit report. I contacted Transunion in good faith and asked them to delete the inquiries that they illegally re-added. These inquiries add a hardship and I feel like my rights were violated by Transunion.
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I was issued a promotional {$50.00} prepaid card from Citi Bank. It was not clear to me that on the " good through '' date on the card the funds would " disappear. '' The card clearly says DEBIT on it, and I thought it would be treated like my bank debit card. My understanding is that I would have to obtain a new card. I spoke with XXXX different people at CitiBank Prepaid Card Services. They all had the same response, " Sorry ca n't do anything about it. '' They said I could n't speak with any further supervisors to explain my issue. The last person I spoke with was XXXX ( employee # XXXX ). When I asked for the address of their corporate office, she gave me the wrong address ( I checked online ). I saved this card to spend on something special. {$50.00} is a lot of money to lose ; if they do this to XXXX people, they just netted themselves a fast {$5000.00}! I want this resolved by receipt of either a check or new card.
I have sent in overpayments. The amount due plus extra to be applied to principal only. However they apply the extra payment to interest and principal, not the principal only. In  XXXX  there was no payment due per the statement but I still sent in {$100.00} to be applied to principal and they applied it to the interest not a single   XXXX   was applied to the principal balance.
Dear Sirs, I became unemployed in 2012 and submitted a claim under a Credit Protector insurance for my Visa and XXXX credit cards issued by Citibank. They covered me under the MasterCard and made the minimum payments. However I was denied coverage under the Visa card. Both cards were covered under the same plan. The balance was much higher under the Visa card. Accordingly I fell into arrears and sought the assistance of a non profit credit consolidation agency. Soon after the CFPB announced the issues with Citibank, I reached out to your office and mentioned my situation. I mentioned that it would only be fair for Citibank to forgive the entire amount ( at the time, {$7500.00} approximately ). Your rep suggested that I should contact Citibank with my request and let your office know if I failed to obtain redress. I contacted Citibank by phone with my request and was denied any forgiveness as I had entered into an arrangement for repayment. 
Had I not entered into such an agreement then my credit would have suffered even more, and my prospects for employment would be close to XXXX. 
I am asking for the CFPB to intervene in this matter to help me get the original balance forgiven without prejudice. You see, I fell into arrears on other bills as I was forced to make minimum payments on the Visa card. My credit score is almost back to its original level, but it would be helpful if I could get rid of the burden of $ XXXX monthly payment to the credit consolidation agency so that I can purchase a home. 
I look forward to your response.
This is not correct I do not have any of this issue. I need this taking off my record DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years.
I am writing in regards to the hard inquiry pull from Paypal Credit on XX/XX/2017. As previously stated I have no recollection of thi ever applying for this form of credit and have even spoken to members of your customer service team that can find no evidence of me applying for credit with PAYPAL. Recently I chose to dispute this hard inquiry however, it is obvious that the response received was generic as I have personally reached out to your customer service department who had no record me ever applying for any form of credit from paypal. I implore you to do adequate research into my claim as this response has not addressed my concern! Please provide information regarding when I would have applied for this credit as well as what medium was used. The call center representatives I spoke to highlighted that they were unable to send a credit removal letter to the credit bureau as they had no record of the transaction being done. I am concerned about this constant run around between you and the bureaus because as stated before I have no recollection of applying for this form of credit! Please address my concern. 

I future elaborate that failure to positively verify these accounts has hurt my ability to obtain credit and note that I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.
I has a credit card through XXXX XXXX and I maintained payments until XXXX XXXX raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX
I created an account with   XXXX   XXXX   and need to be paid {$100.00} and it not letting me deposit the money
Hi, I wanted to know how I can settle an issue with Cash Central. I just found out that I will be paying {$7000.00} more than what I originally owed them within the next year. To me that is ridiculous because i can not financially commit to something like that now. I have a credit score to fix and I have family to feed. I have made {$390.00} payments since XXXX till today ( XXXX ) with them and so far I am at {$2300.00} paid off to my debt and only have {$200.00} more. I really just can not afford the payment any longer than this last month. I am at a point of eviction to my home and tight on every budget i can think of. Cash Central has no intentions of helping me settle this debt and stop making me pay the interest on the loan. They threaten to take further action and get a settlement attorney and make me pay more. They are sharks and harass my family, my references and me almost everyday. I am over this, and all i want to do is pay my last {$200.00} and be done with them. {$7000.00} more into a debt of only {$2500.00} is outrageous. The lady I spoke with told me that I would pay a total of {$9000.00} to them once I 'm done paying off the debt!!!!!! {$2500.00} vs {$9000.00}? How the hell am I going to do this? I hope you can help. I really have nothing else to give and budge
MANIPULATED INTEREST AND AMBIGUOUS BANKING PRACTICE I applied for cash advance of {$1200.00} in XX/XX/XXXX. I spoke with the banking staff after couple of months when I noticed the double interest charged with purchasing and cash advance loan being separated on the best way to pay off my cash advance, I was told by the staff that I should be paying more above my monthly due and that any cash above the normal due will offset the cash advance. From XX/XX/XXXX. I always make monthly payment above my normal due. I found that the interest rate continually mounted higher on my credit card and cash advance is separated with purchasing At XX/XX/XXXX the balance on cash advance stood at {$1100.00} from {$1200.00} while I the accumulated interest paid amounted to {$490.00}. 
I have offered to paid off the cash advance balance but the bank refused to separate my cash advance from purchasing but enjoyed charging interest rate differently. I have spoken to bank staff for settlement of cash advance several times to relieving the doubles interest on cash advance and purchasing. I regret my cash advance but I am soliciting for assistance to pay off my cash advance I got cash advance and I was told by the staff that in order to pay off the cash advance I need to pay more over my normal monthly dues. I have done that for over 12 months and the cash advance remained same with monthly huge interest. I have paid interest that mounted to half of cash advance but the cash advance remained same as if I just got it yesterday. This is ridiculous. I need assistance from public to fighting this ambiguous financial malpractice. I am weighing option to let it go to collection and only fraction of the money will be paid The interest rate charged on both Purchasing is 24.24 % and Cash Advance is 24.24 %. The lending practice of this bank needs to be publicized for public awareness. I was told wrongly and all the payment made above my normal dues were not applied to cash advance.

I have enough cash to pay off the cash advance but the bank will not apply any cash payment to close the cash advance because that is the area that they are sucking money from people. I was advised wrongly before I got the cash advance. I need help on how to challenge this wrongly doing.

I am soliciting for assistance to addressing this issue publicly on all media house as I am trying to avoid bankruptcy or financial crises
My wife and I closed on a new mortgage on XX/XX/XXXX. 
Our first payment is not yet do, It is due XX/XX/XXXX. 
We have made several accelerated payments to this loan And they have not been allocated correctly. 
Two payments were made towards principle prior to the first payment being due.

Neither of these payments were allocated towards principle and after several dozen calls to KeyBank and various departments they can not rectify their mistake. They are aware of it and agree with my read on the situation. 
The first payment was allocated correctly after nearly a week but the per diem interest has not been retroactively credited. This payment was made on XX/XX/XXXX. 
The second payment made on XX/XX/XXXX has yet to be allocated correctly and the Per diem interest has not been credited either. 
This has gone on for nearly 6 weeks now. I have been told several times this would be fixed within 24 to 48 hours and no records available to me show that anything has been done. 
This will most likely be satisfied in court. 
Further, and the biggest problem, is that these malicious or negligent misallocations are a systemwide problem affecting many KeyBank customers making accelerated payments.
It 's the worse experience I 've ever had with a lender. I 've done at least XXXX real estate transactions and have never been treated so shabbily. They took forever to assign my loan, would not answer emails after I submitted the application and they took my {$500.00} to do an appraisal. When I tried to lodge a complaint with a manager " XXXX '' would n't give his last name and basically told me to suck it up. I completed my paperwork within XXXX days because I wanted the process to happen on time and by their deadline. It did n't matter. I guess I should 've paid more attention when my loan processor kept saying even if it does n't close on time you wo n't be liable for fees. I believe they knew they were overwhelmed with business but were deceptive in failing to inform me that the process would take longer than the XXXX days stipulated in the loan. I would never choose this company again.
I have reached out to Midland Credit Management to send me proof this debt is mine. They send a copy of an bill from 2012. They have put a collection on all XXXX credit reports. I asked them to mark my credit reports disputed and they did not do this in 30 days, as I asked. I asked them to investigate. I was turned down for a loan today, due to the collection on my credit report. I was going to file a small claims against this company. I called today at XXXX and asked for their registered agent for Indiana. XXXX said they do not have one. Midland has provided inaccurate information to be put on all XXXX credit reports. This is embarrassing, humiliating and upsetting that I am turned down for a loan with my bank. Midland did not add " Customer has disputed the validity of this item '' on my credit reports with the credit bureaus. I printed all XXXX credit reports and this was not added, like I asked them. I sent them letters, which I have copies of and I have signed certified letter receipts of the letters, showing the dates and signatures.
I applied for the Personal Loan two times and I was denied without getting the reason from the lender. It is the " Borrowersfirst '', who asked to provide all the verifications, and signed XXXX, then never called or sent any letter or email regarding the status of the applications. 
I have a feeling that these people are getting our confidential information and not helping us, but, who knows maybe will do bad thing to our credit.
I called XXXX XXXX XXXX to tell them this wasnt my account they ran my social security number and agreed it was not mine and said that they would take care of it. Its still on my credit report and is also showing up in collections with a company called LVNV FUNDING LLC. I mailed a dispute letter to them and XXXX XXXX XXXX and its still on my report and its obviously not my account.
ON XXXX XXXX, XXXX, I CONTACTED CASH NET USA VIA EMAIL CONTACT. MY STATEMENT/QUESTION TO THEM WAS AS FOLLOWS : " WHY DO I KEEP/CONTINUE TO RECEIVE LOAN PRE-APPROVED OFFERS VIA MAIL? I CURRENTLY HAVE A PAST DUE LOAN. I AM EXPERIENCING FINANCIAL HARDSHIP AND DO NOT KNOW WHEN I WILL BE ABLE TO REPAY THIS LOAN. I DID NOT REALIZE AT THE TIME OF APPLYING THAT THE RATES WERE SO EXTREMELY HIGH! I AM ALMOST PAYING DOLLAR FOR DOLLAR FOR THE AMOUNT I RECEIVED. IF I DO NOT QUALIFY FOR ANY ADDITIONAL OFFERS, PLEASE STOP SENDING OFFERS TO ME. PLEASE REMOVE MY NAME OFF OF THE MAILING MARKETING LIST. THANK YOU KINDLY. ''
I attempted to purchase gas on Wed XXXX XXXX in the evening in a gas station where I always purchase gas. It 's a XXXX gas station ( Route XXXX, XXXX XXXX. NY ) and I use a 'speedpass ' which is linked to my debit card with a Citibank checking account. I have done this for many many years. The purchase was declined several times. 
I knew Citibank sent me a new debit card, so I went home, activated the new credit card, and attempted to purchase gas again on Thurs XXXX XXXX morning. I twice tried the speedpass and it was declined. I tried my debit card at the pump and it was declined. I went into the store and swiped the debit card and it was declined. I had borrowed cash and was able to put enough gas in my car in order to go to work on Thursday. 
Friday morning XXXX XXXX, I went on my Citibank online account. I was able to get online and some of my accounts showed ( a credit card and CD ), but my checking account and savings account did not display. I tried again a few hours later and the same thing. 
I called customer service and was not satisfied and requested to speak with a supervisor. Another person, XXXX, came on the line. She stated that nothing was showing that there was a problem with my Citicard. She told me that emails were sent to all customers that there old debit cards would no longer work if they did not activate the new cards. She told me I should go on the gas station website to see if they were having a problem. I was not satisfied and asked to speak to someone else. She told me she put in a request and I would hear in 2 business days. ( I assume that means next week. ) My complaints against Citibank : 1. They are holding my money hostage. 
2. I activated my new Citicard and it still did not work. 
3. I was stranded and unable to put gas in my car and had to borrow money in order to put gas in my car and go to work. 
5. They cut off access to my bank information online. 
4. They are going to make me wait for days until an advocate calls me and addresses my concerns. 
5. How can they refuse people access to their money because they decided to issue a new debit card???? 
I have been a customer with Citibank since 1969 ( when they were called XXXX XXXX XXXX ), and I am outraged with their bullying techniques in handling customers and their poor customer support when needed.
This a copy of a letter sent it to care credit and XXXX  to to dispute my charges, I dispute those charges several times, if Im not seeing any fixing for my report I will file a complain against care credit and XXXX  agency, also I down load my XXXX full payment. ( Care Credit Cared. I`m sending this letter to inform Care Credit that I have been trying to contact you several times to dispute the amount Care Credit Bank that I owe. I opened the account at the doctor office back in 2012, doctor office was not clear with me that I have to pay the total balance in 6 months, I spoke with Care Credit customer service that I will make monthly payments, they agreed to that. the High limit was {$850.00}, I paid total {$1000.00}, attached payments history. I`m asking Care Credit to contact credit Bureau to up date my file as paid in full ). please consider my request urgent. Thank you!!
I do not have a signed contract with Affiliated Acceptance Corporation and I do not owe them any money. I already contacted this company in writing twice in the last two years. I keep receiving harassing collection notices and phone calls from them.
I've attempted multiple times since XX/XX/2017 to remove the remarks that my account for American Express which has a credit limit of {$15000.00} is Closed. This account is open and active and I've disputed it multiple times. XXXX  and XXXX  have gone back and forth. I've received updated credit reports where it'll reflect that the problem has been fixed and the report will show the account is Open and on a following update, the account again gets placed on a Closed status. This is affecting my Length of Credit history as I've had both of these accounts for a long time.
I have contacted the credit bureau XXXX, and transunion by certified mail to verify the accuracy of the accounts they claim I owe a balance to. They were last contacted on XX/XX/2018 and numerous times prior to that via certified mail. Since then, they continue to reply that they have verified that the account belongs to me with no valid proof.
I disputed a fraudulent transaction on my Chase credit card from XXXX. They sent me a packet with the merchants response that I received in the mail on XXXX/XXXX/2017. I promptly mailed my response that evening to be picked up by the postal service on XXXX/XXXX/2017. Chase closed my dispute without ever reviewing the documents and when I contacted them via phone, this morning XXXX/XXXX/2017, they informed me they never received the documents and I told them to look harder and then they miraculously found them. They then informed me that they could n't reopen the dispute since it was closed and I 'd have to write a letter to reopen it. I asked them for the phone number of the dispute department to which the representative informed me that they have no phone. I feel like Chase did n't even attempt to resolve my dispute since they completely ignored my supporting documentation.
Hi, on XX/XX/2018, I received a letter from Carrington mortgage services llc, ( Letter attached ) on the letter says that they will automatically will increase the mortgage payment based on " MY DOCUMENTS AND LAW '', and I want Carrington answer the following questions : 1.-What documents and law they talking about on their letter?

2.- Why they want to automatically increase the mortgage payment without notice?

And the most important.

3.- Does Carrington mortgage services llc already read the CONTRACT I signed the loan at XXXX XXXX and XXXX County ? 
4.- What part of the contract they don't understand?

5.- Does Carrington want to apply their own rules on this mortgage?

6.- Why they want to withdraw money from my account without notice?

I want Carrington to answer these question to me, and to the CONSUMER FINANCIAL PROTECTION BUREAU THERE IS A CONTRACT, and they need to read it.