WillisBack/dataset-financial-user-claim huggingface dataset:
These 7 accounts ( attached ) were first opened in the XX/XX/1980 's. I have been enrolled in several different payment plans and I have never once been late. ex : After I would complete a 12 month plan then I would receive information from so many different collection agencies instructing me that my account had been transferred and that I would be notified by mail whom the next collection agency would be. I always kept up my end of the bargain. Keep in mind I was always asking for deferment, constantly explaining my hardships. However, I completed every payment plan they set me up on and I believe it was a total of 3 - 5 maybe. I have been on a income based repayment plan for several years ( attached ) and I don't think its fair to continue to report this to the credit bureaus. I can not rent an apartment or even think about getting a job because this bad report keeps showing up on my credit. 
Furthermore ; these loans are from me attending several schools ; XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
I have not been able to access my accounts since XXXX XXXX, 2015. I call Rushcard 's customer service line and not only is the wait over two hours but once you reach a representative, they hang up on you. I spoke to the representative on XXXX XXXX. I was told that since I can not transfer money from XXXX account to the other, I can request new replacement cards. Not only ca n't I access my money but I was told that I will be charged {$34.00} per card. I was promised that my cards will be delivered to me no later than Monday, XXXX XXXX ( XXXX delivery ). I contacted Fed-Ex and there is no record of any package being sent to me. Not only did Rushcard lie about sending me new cards so that I can access my money but they also lied about sending it via FedEx after I was on the phone with different supervisors for three hours. My cell phone got disconnected, my lights got shutoff and I have had to resort to friends and family for help with gas and groceries for me and my XXXX daughters. This has created an enormous financial hardship. I was not able to pay for my daughters ' childcare s I have missed days of work. Not only am I unable to access my money but I 'm losing money in the process. Something needs to be done against Rushcard and I am looking into filing a lawsuit for my pain and suffering! Please help! I am a single mother who works XXXX jobs to make ends meet and that is still not enough. Someone needs to give me answers since Rushcard continues to hang up on me after hours of being on hold.
I logged in on XX/XX/2018 to check my credit report, and I've been checking on the site for a couple of weeks. 

XXXX and Transunion are not allowing me to download a free annual credit report online. Both credit reporting agencies have a standard message on their website accessed through XXXX that says online delivery of credit report is unavailable. They both want me to mail all my information and seek a physical report. 

In this day and age when the Trump administration is trying to make government and business more efficient this seems like an archaic process to get my annual report.

Please ask both credit rating agencies to fix whatever problems may be ailing their respective websites so I can obtain my annual, free online credit report, as I'm entitled to get under federal law.
Both XXXX XXXX and Midland Credit Management were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked Midland Credit for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On my XXXX account, it shows that XXXX XXXX, only recently, closed the account on XX/XX/2019, with a pay status of " Current or Paid as Agreed ''. Despite this, Midland Credit has been actively harassing me with phone calls multiple times a day ( every day, including weekends ), that start at XXXX XXXX and go throughout my time at work. They have even sent various letters that threaten to sue me ( to various unverified addresses ) with one being delivered to my old address and signed by somebody else, with no intent to do so. A lot of the times I felt that they have even misinterpreted themselves as legal counsel. I have attached their most recent letter, that I've received, which is threatening legal action, as well as what both creditors have reported to XXXX. The only reason that I have not tried to resolve this issue with them directly is because I feel that this company is untrustworthy, from what I've experienced so far and would appreciate the help of a third party.
Due to a change in employment and a move, I had to short sell my house. XXXX XXXX XXXX was my mortgage servicer. My account was closed on XX/XX/XXXX. 

In XX/XX/XXXX I received a credit report alert on a past due account. The alert showed that I was past due on my mortgage payment by more than 30 days. This situation caused my credit score to drop by more than 100 points. My credit score is usually in the high 850s. 

I contacted XXXX XXXX XXXX and was told that because my account was closed, they couldn't fix any errors on my credit report.
On more than a half dozen occasions, Wells Fargo has charged me late fees for payments made on time. My payment is due on the XXXX of each month. This past month, my bill was in the amount of {$250.00} and was due on XX/XX/2016. Wells Fargo mails the monthly invoices sometime between the XXXX and the XXXX of the month. For the bill due XX/XX/2016, they mailed the invoice on XX/XX/2016. I paid my bill by automatic payment on XX/XX/2016. Because it arrived before they mailed the invoice, they did not credit it to the XX/XX/2016 and charged me a late fee. Essentially, they have created a variable period within each billing cycle where I can not make a payment. In this past month 's case, any payment made between XX/XX/2016 ( the day the XX/XX/XXXX invoice was due, and was paid in full ) and XX/XX/2016 ( the day after they mailed the invoice ) would float in the ether and not be credited towards the invoice due for that billing period. This has happened over and over and over. I have filed several XXXX complaints and each time Wells Fargo reverses the payment. It requires constant vigilance. I can not believe other consumers are not being hit with these fees too.
Problem : Credit score wrong as the associated credit report shown on XXXX incorrectly states that I have n't got recent usage of credit card. <P/>Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). They advised me to contact Experian as according to XXXX they do n't change the data from Experian. They further advised that there is problem with " Last Activity '' data being reported from Experian as it states " Not available ''. " Last Activity '' should have the date of my last credit card usage Date : XX/XX/XXXX - Contacted Experian ( XXXX ). They generated a credit report and walked me through and highlighted that they are sharing all the required data to XXXX. They further stated that they can clearly see in my report that there is recent credit card usage Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). Since the agent could n't resolve or had access they escalated to their manager. The manager accepted that this is an issue and committed to resolve within 24 hrs even though their normal SLA is 72 hrs. She accepted the fact that the lower score being reported is what the mortgage lenders will see. I highlighted to her that because of this data issue on their side I will need to pay higher interest rates. <P/>Date : XX/XX/XXXX - Contacted XXXX ( XXXX ) as there was no response for more than 24 hrs. A supervisor committed to address the issue within 24 hrs or offer me a work around if they are n't able to resolve. <P/>Date : XX/XX/XXXX - Email sent from XXXX restating the issue and that they ca n't resolve this Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). They just stated the same as in the email and asked me to contact Experian. They did n't want to take ownership to talk to Experian to get this issue resolved as they are best positioned. I highlighted to them that Experian have mentioned that the problem is with XXXX interpreting the credit report. Experian showed me the credit report that clearly shows that I have been recently using the credit cards. <P/>I would like to file this complaint to seek your help to get this issue resolved with XXXX as this is unnecessarily affecting my credit score being reported to mortgage lenders. Also the fact that I am not being treated fairly by XXXX to get this issue resolved.
In XXXX of this year my account was paid in full by the card security that I was paying monthly for on my Amazon store card. After that occurred they lowered my limit to {$100.00} and I have not used that account or anything since that time. I went online today to speak to someone through their chat line to find out if by chance they could increase the limit as {$100.00} was nothing to spend on their site, there major feature Amazon Prime is {$99.00} a year and that would have made up the whole available limit that shows available to me to spend as the pdf shows under my account on Amazon Store Card. When the agent looked into the account she stated the account was closed due to a management decision and that I was sent a letter which I never have received. I feel that this company is ripping people off by advertising and wanting customers to pay for the card security but once they have to use that card security that is supposed to help their account then they lower the limit where the customer can not purchase anything and then cancel the account without even notifying the customer or showing as closed online ( again as evidenced by the .pdf of my account page that was taken just today on XXXX/XXXX/2016 ) which plainly shows I have a {$100.00} available to spend. I feel this company is practicing both illegal and unethical practices by penalizing and even closing customers accounts after they " have '' to use their account protection due to whatever reasons ( job less, medical, XXXX ). And this can be viewed just by doing a quick google search and you will see how I am not the only customer this has occurred to. Even the debt cancellation letter they sent showing where the amount was paid never mentioned they were dropping the credit limit or even closing the account.
Chase Bank misapplied my mortgage payment again! It occurs every six months, as I have an ARM and when it changes, Chase 's computer goes to default, and makes XXXX payments, rather than applying the payments to additional principal. This has occurred twice a year for 4 years, and they always state they have fixed the issue. They are hoping I wont catch this behavior, so they will make more money!
Credit card company only provides 20-day grace period for credit card payment due date ( calculated from statement closing date XXXX, instead of the 21-days required under federal law ( from statement mailing date ). Also, statements are mailed out late, since they take over 7 days from the statement closing date for me to receive, and USPS first class mail only takes 2-3 days. The 21-day federal minimum is supposed to apply from the date the statement is actually MAILED, which is why most credit card companies have a 25+ day grace period. Even if they mailed out my statement ending XXXX XXXX 2015, on that SAME DAY, I still have 21 days to pay by federal law ( not 20 days ). My XXXX XXXX payment was made on the 21st day after the statement CLOSING date, but was still considered 1 day late, and interest charges for the entire previous month were assessed! Their due date practice of 20-days after statement closing date is illegal and deceptive.
This is in complaint against collection agency Midland Funding. 
Accounts in reference are all held by Midland Funding- XXXX for {$470.00} with XXXX ( original creditor ) In XX/XX/2016, I became aware of some old collection amounts that were generated from an unauthorized user pertaining to the above mentioned accounts. I was told by local police jurisdiction that not much could be done but that I could file an affidavit stating my case for the purpose of record. 
I spoke to XXXX on XX/XX/2016 and requested itemized charges relating to the time period in question. He said he would get them out to me in 7-10 days. 
On XX/XX/2016, I received a response from manager XXXX XXXX stating that a determination was made that this is my debt but that a police report or affidavit may be submitted for further review. I responded back by mail that I needed itemized invoices and signatures of purchase or any other means by which to differentiate actual charges from unauthorized charges. I have received nothing. 
I have subsequently raised the dispute issue with all XXXX credit reporting bureaus requesting conformity in trying to obtain this information as well. My understanding of the attempt to dispute resulted in nothing more than the bureaus validating common and general information of my identity to validate debt ... .and then subsequently standardized a generic dispute response that " creditor meets FCRA requirements ''. 
This process is broken and unethical and heavily favors the relationship between bureaus and collection agencies, lenders and creditors.
In XXXX 2017 Wells Fargo Bank, CRM employees restructured my business relationship profile on my small business accounts and also reverse payments, blocked transactions when larger direct deposits where pending and what ever fees they created where payed after the larger direct deposits were posting and then after this incident they Bulled me by blocking my operation accounts cards with out warning ; they claimed I had abused my cards and accumulated over 70 NSF 's. in one year. ( LIE ) My bank statements prove other, and Now for the time being I ca n't do credit card transactions so when I got direct deposits weekly of {$5000.00} to {$13000.00} thousand from my clients I could not complete work I lost close too {$200000.00} Dollars in a four year contract and sells and clients. Five years of a great relationship and services with Wells Fargo also. A group of employees social engineered a procedure to break my relationship with Wells Fargo, Committing bank fraud and negligence. They allowed for my accounts to Continue to operate with a debit card status to collect more fees on the blocked cards and they also threaten my personal accounts with derogatory negative receipt massages. This has cause personal stresses on my family and defamation of my character. I lost my contractors and employees, I have to start all over. Also my family SUV repossessed due to slow payments, my personal bills are also damaged. I have reported this to the proper channels with in the bank and they tell me they have started a claim and have an ethics investigation going. They keep giving me the run around and twisting the truth. I had to go to a branch outside of my city to get some truth of this matter. They have restored some fees and also restored my cards, but this is not enough. My personal, family and business life, taxes, employees, all, has been hurt by this industrial espionage. Help me please!?
I received a letter from ALLIED INTERNATIONAL CREDIT CORP stating that I owe money to XXXX. They also stated that the debt would increase if I did not pay this " debt ''. They use 3rd party tactics to pay the debt, Check, Money order, XXXX XXXX. I have not used XXXX in years and do not owe anyone anything.
My mortgage loan was tranferred on XXXX XXXX, XXXX from XXXX to XXXX XXXX XXXX XXXX serviced by Shellpoint Mortgage Servicing. The mortgage payment includes escrow payments to cover property taxes and insurance. Shellpoint failed to make the property tax payment and claimed it is the fault of XXXX even though the loan was transferred on XXXX XXXX, XXXX and the tax payment was due XXXX XXXX, XXXX. At this point, I 'm not certain who is responsible but know the money has been collected by Shellpoint. On XXXX XXXX I received a letter from Shellpoint stating my escrow account has a surplus and they were refunding the overage but failed to explain why their was an overage. I did n't realize the property taxes were not paid until my federal income taxes were prepared. My first contact at Shellpoint claimed it was not their responsibility and to contact the previous mortgage company, XXXX. XXXX claims it is the responsibility of Shellpoint. My third attempt for resolution was a call to Shellpoint reaching another service representative. This person claims it is the responsibility of Shellpoint and the taxes will be paid by them but she could not provide a date when the transaction will occur. I will encounter additional fees and penalties if the taxes are not paid by XXXX XXXX, XXXX. I do n't know who to believe at this point.
The borrower applied for a modification in  XXXX   2016  and was denied because " There was an irreconcilable discrepancy in the application ''. That was the only statement. The borrower had to have a law firm write a letter to learn what the discrepancies were. The borrower applied for another modification with letters of explanation for the discrepancy. The borrowers were denied in a letter with the exact same sentence, " There was an irreconcilable discrepancy in the application ''. The borrowers used this attorney to speak with the banks ' foreclosing attorney via a lengthy email chain to determine what those discrepancies were. They were the same discrepancies addressed in the letters of explanation that were submitted by this law firm to the bank.
I filed for bankruptcy in XXXX and then voluntarily withdrew it. The bankruptcy court did not DISCHARGE IT OR DISMISS IT. I VOLUNTARILY WITHDREW IT.I disputed with all three reporting bureaus and XXXX and XXXX took it off my credit report. Equifax refuses to and says that the information they have is correct.
I was in need of a new AC unit and contacted XXXX XXXX XXXX of XXXX, NC in order to repair or replace my AC unit. When I filled out the form for financing, I was told the financing would be going through XXXX XXXX. I received an information packet and credit card via XXXX XXXX. However, I decided that the amounts XXXX XXXX XXXX provided were far too expensive. I called another company and had them come out to fix my unit for a fraction of the cost XXXX XXXX XXXX quoted. And, was I also informed that the information regarding both the outdoor and indoor units were very different from what XXXX XXXX XXXX told me. XXXX XXXX XXXX   claimed my outdoor unit was 11 years old and needed to be replaced along with my indoor unit. However, the company I went with said that the outdoor unit was only 7-8 years old and in perfect working order. Only the indoor unit needed to be replaced. So, that what I did as of last week with the other company and paid them the full amount of that up front.

Today I received a letter in the mail from XXXX XXXX saying they had a credit application from XXXX XXXX XXXX in my former name, XXXX XXXX, ( not my current name of, XXXX XXXX XXXX  of which I only gave them ). XXXX XXXX XXXX took out a credit application with another finance company without my knowledge or permission in a name I no longer have.
I have tried now for months to handle this on my own. I have gone to Citizens bank and they don't even want to sit down with me because the account is closed. I tried XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX. I have also called numerous times same dates because I would go into the branch they would give me number because, " they were unable to help me '' and I was on the phone for hours transferred to multiple times all while getting no where. Then one day recently XX/XX/XXXX I called to be transferred to 6 representatives when I finally got a nasty man XXXX XXXX agent number XXXX. That was a 4 hour conversation where I was transferred 6 times and they said there is nothing they can do because the account is in my name and closed. 

Back in XXXX I started working for XXXX XXXX, owner of XXXX XXXX XXXX  and XXXX XXXX XXXX, in XXXX XXXX. I was doing mostly office work helping him collect on past due accounts, I was in charge of payroll, ( Which never happened ) scheduling and sometimes I would go out into the field for estimates or to do work. He had mentioned to me that he was going to add me on the " XXXX Bank account '' and make me a signer because we were getting into situations when he would want me to write checks and I told him I can not because it is not my account. Then one day in XXXX we went into a XXXX bank and we did just that, made me a signer. I made it clear on multiple occasions I just wanted to be a signer. That day when I was added XXXX account was already negative, I said this seems like a bad idea I don't want to go on this account as a signer when it is negative. He said a customer had written him a check and it will be handled. I believed him. 

Now fast forward to XX/XX/XXXX I have never written any checks out of that account nor did I ever have a debit card with my name on it. My issue is this was his account it is negative because of his negligence not mine. I had a XXXX XXXX XXXXXXXX account for 19 years which now is closed and purged because XXXX XXXX wrote and deposited checks into my account and they were bogus. I have already filed charges against him and had to get multiple police reports because this man stole my identity and ruined my life in just under a year. He is now being held at the XXXX XXXX  XXXX XXXX where he is facing multiple larceny, stolen identity, and forgery charges. 

I need help resolving this issue so I can begin to get my life back. When I met him I had an XXXX credit score and the same bank account for 19 years. My credit score is now under a 5 and I am unable to get a bank account because of him. He also opened a XXXX account in my name which had multiple checks deposited and it was left negative and purged. He opened that without any of my knowledge.
Hi there, I received an invitation from BBVA Compass to open a checking account betweenXX/XX/XXXXXX/XX/XXXX for a {$200.00} bonus after direct deposit within 60 days. I applied through the link provided by BBVA onXX/XX/XXXX, and had my first direct deposit from employer onXX/XX/XXXX. Multiple representatives from general customer care, marketing and underwriter department confirmed that I am eligible and would received the bonus beforeXX/XX/XXXX.

By today, XX/XX/XXXX, I still have not received the bonus, and the rep over the phone now found the excuse that the account was approved on XX/XX/XXXX regardless my submission on XX/XX/XXXX. The delay was due to the high volume of application and slow review process from BBVA. I was informed multiple times that as long as I submitted the application before the deadline, XX/XX/XXXX, i would be still eligible. Now BBVA tried to avoid its own obligation with this lame excuse. This is not the right way to do business. At this moment, I need to seek help from CFPB.

Thank you very much, XXXX
This so called receivable performance Fraudulent, and Frivolous agency did not send an actual invoice like a monthly invoice of owed debits, I had no contracts with this Fraudulent agency, their validation is copying spread sheets on XXXX of other companies, no actual invoices, they sent an attachment of spread sheet copying channels of tv, it was not a statement, it was not an invoice from the actual company, they copied the XXXX XXXX XXXX logo and posted it on a letter that their scammer signed, he or she never realized how stupid he or she is. 
I had no contracts or signed agreements by me stating that I owe this scam frivolous fraud unheard off misleading scam artists. show me the validation of my signature to your frivolous so called collection company. 
I will be in the process to have my Attorney press charges in the Federal Court against them and collect punitive damages and Attorney fees and more.