WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, I accidentally paid too little on my credit card. I was left with a {$5.00} balance on a XXXX credit line. I did not realize that I still had a small nominal balance. 

Bank of America did not place any calls to me or send me an email. If I had been contacted, I could have quickly paid off the remaining balance. I only caught that balance while randomly checking my credit records on XXXX XXXX. I tried to login to my account to make a payment, and they blocked my login for delinquency. I called and made a payment via IVR. 

I just found out that they cancelled my credit line on XXXX XXXX, XXXX for a {$5.00} delinquency on a {$18000.00} credit line. I opened this account while in college 18 years ago. This was my only delinquency situation. I was never called or emailed. 

I called Bank of America and was informed that my account was closed. There were no options made available to me than other to apply for a new account. 

Now, my credit card is cancelled and my credit bureau has red marks over a {$5.00} balance. This seems monumentally unfair and a case where automated workflow rules failed both bank and myself. A simple email would have resolved the situation.
Checked my report in XXXX 2016 all my inquiries showed deleted. Never received a notice. Check my report now the inquiries are back.
The XXXX XXXX XXXX filed an erroneous judgement for a paid tax lien with my local county clerk. There was never any tax lien. When I noticed this, I went through the process with XXXX to address the issue. They admitted it was a mistake, and fully vacated the lien. This process was completed around 4 months ago. I then took the steps with the XXXX reporting agencies to remove the item. After disputing the item with each, XXXX has removed the item, XXXX is in the process of removing it. <P/>Transunion, on the other hand, has 'investigated ' my dispute either 2 or 3 times and I just received a letter this week saying that it 's been 'verified ' and that they 're not removing it. I have sent them the official letter from XXXX showing that the lien in question was vacated each time that I disputed this item. <P/>Their barely-functional web portal now will not let me even see my report, and will not let me dispute the item again. I have spent over 15 hours trying to resolve this problem, all due to their ineptitude in their so-called sole stated purpose, which is to accurately report consumer credit information. <P/>
Per 2015 legislation, the reporting agency is required to have 'trained personnel ' handling disputes. On the multiple times i 've called Transunion about this, I am connected to a call center with a representative that barely speaks English, and is 100 % clueless as to what to do. They each tell me something different, and nothing gets resolved.
I had a credit card with XXXX XXXX bank in 2000 when I wAs XXXX I was going to pay but was not able to come to agreement on terms. Portfolio recovery has been harrassing me for the past 11 years and even the letter states it will not be reporting to the credit bureau so I see no point and they call almost everyday and i think they should leave me alone I have other priorities as far as my health.
I purchased the vehicle from XXXX XXXX on XXXX XXXX 2017. I was financed by Westlake financial, the same day as purchase, as the sole lien holder of the vehicle. I paid bothXX/XX/XXXX and XXXX 's payments on XXXX2017 to the lien holder of Westlake financial accruing to the total of {$450.00}. On XXXX/XXXX/2017 at approx. XXXX XXXX My vehicle was repossessed by the seller, being XXXX XXXX, who was not the lien holder at that time, or currently, yet they are telling me that the finance company is forcing them to buy back the car. But when I spoke directly to the finance company they told me they would not do that for one late payment, especially when it had been paid. When the dealership has been paid and is only the seller and has no legal claim to the vehicle in the state of Florida as the only party that can order a repossession is the lein holder.
I had a balance on XXXX XXXX and set up a payment plan and completed the plan on time and XXXX out the balance. The information reported to the credit reporting agencies is wrong.
Equifax is reporting fraudulent accounts on my credit report which includes the amouts of {$4200.00}, {$17000.00}, {$14000.00}, {$13000.00}. 

Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file.
Wells Fargo continues to delay an application for refinancing. I talked to a woman named XXXX and she indicated that I would receive phone call this week and so far I have not received call. Our application started in XXXX, Wells Fargo continues to provide excuses. The last excuse is that the last loan processor was at wrong desk that 's why we did not receive call. It seems they keep delaying the process so applicant has to get hire rate.
i bought a car in 2007 and changed auto carriers. they are trying to collect a illegal debt from me. the company 's name is progressive. 
the second company is XXXX. i payed them up to when i had them disconnect my service.
I 've been having problems with BBVA compass bank. I 've been having some rough finacial problems and I let the company 's know this. I 've asked if they could close my account and they said no because it was in the negative zone. I then asked if they could some how put my account on hold or freeze it and again they said no. Some months back i called BBVA compass bank if they could help me out. they said yes and that i would have some peace of mind. They told me they would help me out that for 6 months the credit card companys would not touch my account. they said i would have to go to the bank that day and they were going to fax me some documents saying they were going to stop any other and or farther transaction and that I would have to sign them and I would send them back. After I signed those papers I was told to call back to notify them that I signed and faxed them back. When i told them about it they were going to send me another set of papers and as soon as i would recieve them to sign them and then send them back as soon as possible which i did. Thinking they were going to help me I called on XXXX XXXX, 2015 to check if I owed the amount I was told 3 months back, I heard the recording and was shocked. It has accumlated over time after i was told would no longer be touched. I went today to discuss about this and the banker that was helping me didnt really help me he made a call and i had to discuss the matter with the women on the phone. I was told that they never recived the papers that i had to SIGN AND FAXED TO THEM WHICH I DID! She also said my account would continue to accumulate and could n't do anything about it. She then said i was responsible for the papers which again i did send and was putting the fault on me. I told her if she was blaming me for there mistake and she said no. In the end I was left with no one to help me. And then found this by a friend. I 'm hoping you can help me because there is no one else to turn to. I 'm willing to pay what I owe there as long as they can stop it and take no more.
XXXX XXXX 2016 Consumer Finance Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX XXXX : Case # XXXX, and XXXX To Whom It Will Concern : I am a homeowner who had repeatedly appealed to your office regarding the intentional bad-faith and fiscal malevolence enacted upon me by Green Tree Servicing/DITECH ( GTS ), as well as XXXX XXXX XXXX who sold my home 's mortgage to Green Tree while telling me my hardship-driven XXXX loan modification application was continuing being processed ( as I had been told repeatedly for the preceding approximately 18 months prior to the note-holding sale to GTS ). 

As I had reported to you in extensive detail, GTS had been decimating my credit with bogus allegations of missed payments, and harassing me with an incessant barrage of phone calls ( including Sunday evenings ) harassing and threatening me to submit to signing an asinine, " so-called loan modification '' proposal they had offered in a complete bait and switch to the original modification I had XXXX initially underway with XXXX XXXX XXXX, and then subsequently that I had submitted to GTS when they flat-out refused to recognize the original modification with XXXX and insisted that I re-submit my request with them. 

After a couple of years of this incredibly enervating hardship causing damaging physical and emotional stress, coupled with my finances being eviscerated by GTS 's mysterious mishandling or theft of my submitted mortgage payments, I was finally able to extract myself from this XXXX and get my home loan refinanced by XXXX XXXX XXXX XXXX XXXX last winter. 

However, I recently read that CFPB had dutifully enacted penalties to GTS/DITECCHXXXX pursuant to their collectively abusive " lending practices '', and whereupon compensation payments were supposed to be awarded to impacted homeowners such as me. I have only just learned of this today. I have NOT received either notice of or any payments of restitution whatsoever, and am writing to inquire XXXX of that decision 's status, and to inquire how I as a genuinely impacted citizen and homeowner ( and, XXXX XXXX veteran ) can receive compensation for the XXXX that these lending companies pulled and for too long, got away with. My credit, my personal standard of living and my health continue to have deeply detrimental consequences from this living nightmare. 

Writing once again, appealing for your assistance in my quest for justice ( restitution ) pursuant to the misdeeds I endured from these lenders ; I humbly ( but with apprehension and continuing anxiety ) await your response. 

Thank you in advance for your time and assistance. 

Respectfully
someone keeps calling from XXXX saying they have complaints about me. they are using my previous married name ( which i have not used since 1987 ). So clearly scam they leave a message since i have the number blocked telling me to call another number, which belongs to Miller Stark Klein and associates please make this stop. I do n't have any complaints, my debts are up to date and they keep calling every 2 days. thanks
Wells Fargo talked me into making bi-weekly payments on my mortgage. I noticed that the interest on my loan was only adjusted " monthly ''. When I called and complained, I was told " that 's how we do it ''. So ... they talked me into holding my money for 2 weeks while " they '' accrue interest on it. I feel that possibly thousands of people, like myself have been talked into this scam. We should all get credit for interest lost and compensation for their scandalous actions.
On XX/XX/2018 I was charged a late fee despite having set up auto pay. The auto pay function is unfair, deceptive, and abusive. It requires a creation of an automated bill, and then it auto pays based off that bill. But the BOA interface never really makes it clear whether you are good to go on making your desired payment. It gives you boxes such as " you may need to make a payment '' instead of " you need to make a payment. '' This makes it difficult to commit to making a payment because you don't want the money taken out of your account twice, and BOA does not have the proper controls to stop that from happening.
Hi, Im currently XXXX with the United States Military. On XX/XX/XXXX, I checked my credit report and noticed that I had a collection account reported in XX/XX/XXXX. The debt was reported by Debt Recovery Solutions as a medical debt from XX/XX/XXXX. I immediately called XXXX  to dispute the medical debt, because I was not aware of any medical debts. TransUnion asked did I contact Debt Recovery Solutions to discuss the debt. I advised XXXX, that I did not contact Debt Recovery Solutions at the time of our conversation. After disputing with XXXX, I called Debt Recovery Solutions, so that I could get a validation of debt emailed to me. The consultant at the company asked me for my social security number, in order to verify the debt. The consultant, then proceeds to advise me that they sent a letter to my address and had given me 30 days to respond, before they reported the debt to the credit bureaus. I then, advised the consultant that I was not in the United States and have been out of country since XX/XX/XXXX. The consultant then yells at me and states that how did I want to handle this. I then, advised the consultant that I was not in the United States and needed a debt validation emailed to me or mailed to my address back in the United States. The consultant advised, that he would send a letter to my address. Due to me being XXXX, I was not given a proper notice of any medical debt, nor was I given any validation of debt.
This account is  a Private Student Loan a ccount that was originally through  XXXX . The account was opened on or around  XXXX / XXXX / 2008 . The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provided,  XXXX  deemed that I was no longer liable for this account.   XXXX   and  XXXX  have already been updated, they have removed the  XXXX   XXXX   XXXX  account from my credit reports, however, Equifax has not removed this account. I have disputed this account several times on Equifax, and each time, they respond with the creditor has validated this debt. I have called  XXXX  several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT.  XXXX  directs me to contact  XXXX   XXXX   XXXX   (    XXXX   ). I have called  XXXX  several times, and have spoken to several people, including supervisors, and they have no record of my account.  XXXX  directs me to contact  XXXX , as they are the ( only -  XXXX  is NOT ) lenders reporting on my Equifax credit report. The numbers that I have tried are  XXXX  (   XXXX   ),  XXXX  ( old  XXXX   XXXX   XXXX  line - which no longer works ),  XXXX  (  XXXX  - this is for Federal Student Loans ). In other words,  XXXX  and  XXXX  are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?
Conn 's Credit is deliberately providing invalid information to the Credit Bureaus. The company states the first date of delinquency of my account was in XXXX XXXX. This is false and sent deliberately to the Credit Bureaus to allow for a longer reporting time. The account first became delinquent in XXXX. Seven years past this point the account should be removed from my XXXX Credit Report. Conn 's is providing false data to manipulate the length of time the report stays documented on the credit report.
Locked out of my account for weeks ... .not able to access funds ... rude customer service..Rushcard
I was notified by XXXX XXXX that there was XXXX new account cards sent out and wanted to verify the charges. The charges were not mine and our address had been changed along with our email address. I then looked at our credit report and noticed the address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX listed as an address of mine that is in correct. I have never lived there or do I know the person who is using this address nor my wife. Please look into this as I suspect this to be the person who made fraudulent charges on my XXXX XXXX credit cards.
On XX/XX/2018, I applied for a payday loan in the amount of {$1000.00}. On XX/XX/2018, the money was deposited into my account. On XX/XX/2018, I called Cash Net USA and told them I no longer wanted the loan and asked them to take the money back. I was told they could not take the money back and that I would still be charged a {$150.00} processing fee. I then made payments to the account to pay off the {$1000.00}. I made payments 4 payments in less than 30 days well before the amount was due. Even as I made payments, Cash Net USA continued to charge me fees a total of {$330.00}. I don't know how they came up with {$330.00} in fees. I don't owe any fees. If the amount of processing was {$150.00}, they owe me {$170.00}. I ask them to close my account, however, the account is still open. I was told that if there's no activity on the account, it closes automatically. In addition, there's an indication that a payment of {$100.00} is due on the account on XX/XX/2018.
In accordance with the FCRA law, if the credit agencies do not provide documentation of an disputed account or accounts then them accounts shall be removed. I have repeatedly fought the following accounts due to the fact they're not mines .The following accounts I'm asking to be blocked from my report. ( 1 ) XXXX XXXX , and XXXX XXXX XXXX  {$950.00}
I was never late. APPLIED BANKAccount # XXXX. 
Its reporting i had a 30 day late XX/XX/2014. That is false an inaccurate.
For the past several weeks I've been getting phone calls from Halsted Financial Services. When asking who the caller was from, some told me they worked for Halsted and others were hesitant to disclose their company name and just said " a financial institution. '' I have asked repeated times for them to stop calling. I assume they're a debt collector, however all of my accounts are current. The most recent phone call was from XXXX however each call has a different caller ID, but they all start with XXXX. These calls come in several times per day, despite my request to have my number removed from their systems. I hope CFPB is able to intervene to stop these nuisance phone calls.
XX/XX/XXXX, {$72.00}, XXXX XXXX XXXX XXXX company I called XXXX 'S XXXX XXXX a month ago and told a teller that my XXXX XXXX membership was expired XX/XX/XXXX and I didn't want it and cancel it and didn't send me membership charges and fees. However, the company continue to send me the bill with late charges.
I have disputed the reporting of XXXX XXXX {$900.00} several times because I am paying XXXX XXXX Hospital every month and have payment arrangements set up with them. How is XXXX XXXX reporting this balance when I am paying the hospital? Is this an FCRA violation? The balance is wrong and they are not who I pay. I am uploading the original bill so that you can see that it is for {$900.00} with XXXX.
We went to the PNC branch to open a joint credit card in XX/XX/XXXX. We specifically asked for a joint card numerous times. When we got our cards in the mail, we realized the woman opened us two separate credit cards, instead of a joint.

When we called PNC and spoke to her, we had a hard time reaching anyone, then she reported that she did not know you could open joint credit cards and that she had indeed opened two separate accounts.

This was escalated to the branch manager, then was escalated to corporate in XX/XX/XXXX. We still have not received any resolution about this problem. We have two separate cards which we did not ask for, and they have not helped to close the accounts or open the joint one we asked for. Corporate is barely responsive to our numerous outreach attempts, and still says they are trying to resolve the issue. It has been 6 months, and we have not heard anything about how they will resolve this or what they will do to help us.
I contacted EOS CCA via telephone on XX/XX/XXXX and by mailing a dispute letter to this company requesting a reasonable investigation regarding a negative account from XXXX that they are reporting in my credit file which the Co. ignored on or about XX/XX/XXXX. 

Account Name EOS CCA Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX
In my attempt to pay the amounts listed on my credit karma report, I called XXXX XXXX XXXX   and spoke about the amounts owed. My XXXX XXXX indicates that I owe {$170.00}, {$140.00} and {$99.00}. According to the person I spoke to the agency has reported two amounts that are incorrect and it is the same account. The only amount that I owe is {$99.00} and the other two amounts are listed wrong and repeated on my credit report. I have called the collector agency ATG at XXXX XXXX XXXX today and left a message ext XXXX. The account is listed to be opened on XX/XX/XXXX and last time reported on XX/XX/XXXX for the amount of {$140.00}. The other amount {$170.00} indicates to be opened on XX/XX/XXXX and last reported on XX/XX/XXXX. 
The person from XXXX XXXX was able to provide me with the information for {$99.00} from ATG-account # XXXX. She had no record of the other amounts.
To Whom it may Concern : XXXX XXXX XXXX XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX or XXXX XXXX sold that account to XXXX XXXX XXXX XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage. I am very disappointed EXPERIAN allowed this to happen. They should have notice that the accounts were the same with the difference of {$1.00}.
The collection agency is reporting an account on my credit report that I do not believe is mine. I called the collection agency and asked them to validate this account by mail. The company said that they could not validate the account, and that Inwould have to contact the original creditor- XXXX. I contacted XXXX, and they were not able to validate this debt. XXXX told me that they could not remove a collection account off of my report, because they are not reporting an account to my credit report. The agent told me that the company reporting the debt is the only company that can take the debt off of my report. The collection agency already told me they could not validate the debt because they do not have information on the debt, yet they are still reporting the account on my credit report.
XXXX XXXX cra-hippa violation inaccurate information account no knowledge of or not mine sent po number to credit company reporting inaccurate information
I 'm writing because the a man today his name was XXXX XXXX the other days he 's had different names and he calls from a variety of different numbers from different states within the United States he claims that he 's with Midland funding and I manage my account with Midland funding over the Internet he is also claimed to have access to my credit card information and is increasingly and increasingly attempting to make each call more personal and has even reference my location and what I 'm doing for the day
I have four accounts with Capital One and the have a service that brings up your credit score or FICO score. It has been in the low 500 's and when I check on my XXXX and other accounts, it's higher.
Capital One credit card has an account and balance reflecting in my name and information on my credit files that does not belong to me This is a negative account and I have reached out to them for over a year and they have not resolved nor handled this urgent issue that is ongoing
THERE ARE HARD INQUIRIES ON MY XXXX I AUTHORIZED XXXX INQUIRY ONLY DELETE FROM XXXX   TODAY