WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX SSN : XXXX | DOB : XX/XX/XXXX To whom it may concern, I had a vehicle repossessed in XX/XX/XXXX because letters sent to me went to the wrong address, this was strange because i have lived at my current address for three years, and all the paper bills for the vehicle came to my current address. 

I never saw any of the documents Global Lending Services sent out regarding late payments until last week after i sent them a request to remove the repossession from credit report based upon their error, which could have been resolved had i known that the negotiations were not honored when i spoke with an agent during that time. 

I have enclosed the documents to prove the facts
My paypal account has been put in a negative balance by paypal because another paypal user claimed to have their account hacked and then used to purchase something that I sell online. There were XXXX transactions which amount to almost two thousand dollars. Now, my other paypal account has been limited, and paypal has frozen the entirety of my money. Which includes money I need to live, pay for my prescriptions which are vital to my well being, and just daily expenses. I have provided paypal with enough evidence to prove that the other party involved lied in order initiate a chargeback, and therefore, leaving me with such a large negative balance. I have correspondence between XXXX XXXX and I. There are emails, proof that they were in fact the owner of their paypal account, and screenshots. I provided overwhelming evidence to paypal that they were in fact in the wrong, but they still decided to freeze my funds. Months have passed and they still are telling me that I am required to pay the debt. Not only did I lose my product, but I also lost the money I received as payment for said product. I have called countless numbers of times trying to solve the issue, but paypal will not budge from it 's place of power. I have been taken advantage of the fact that the seller is almost guaranteed to lose a dispute against anyone that starts one against them. I have not been able to pay any bills, eat, or get my prescriptions vital to my well being.
I have disputed the late payments on this 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.
GM Financial has reported late payments for XXXX, XXXX andXX/XX/2018 when in fact all payments were made on or before the due date. I have contacted them and they acknowledge that payments were made on the due date but state that because some months have more days the account is over 30 days if a month has more that 30 days in it my payment would have to be made a day early in some months. They refuse to correct their reporting!!! I have not made any payments beyond my due date and request that my record be immediately updated to reflect that.
I need help resolving an issue with applying for a Discover Bank deposit account. I am XXXX XXXX XXXX and a long time discover card holder. I recently decided to also open a savings account and it has been a surprisingly poor experience. There are many options where I can put my money but I have always been happy with my discover card. In setting up my savings account, I attempted to take advantage of one of its recurring promotional offers in XX/XX/XXXX. My promotional code was XXXX. To qualify for the promotion, I needed to apply by XX/XX/XXXX and make a deposit of $ XXXX by XXXX to obtain a {$200.00} bonus. I did apply by XXXX as required but the deposit of $ XXXX did not occur until XXXX, 9 days late. However, there were many other customer service encounters in between that were poor. There were many gaps in what was promised and what was delivered in terms of emails and returned calls. I believe some of these were intentional obstacles so Discover Bank would not have to pay me the bonus. I appealed to the higher ups at Discover Bank and they still have not paid the {$200.00} bonus. They run promotions like this all the time and my guess is that I am not the first person to face obstacles and delays so they did not have to pay the bonus. Additional details are in the attached timeline.
I received a call from ARA, Inc. The ARA, Inc. representative started the conversation by stating my name and asking if that was me and then said " I have your social security number ending in XXXX '' and asked if this was correct. I told him I would not verify that until he told me what this was about. He said he knew my whole social security number and proceeded to rattle it off. Again, I told him I would not verify it until he told me what the call was about and he said he would n't tell me what the call was about until I verified my social security number and then he hung up. I called the number from caller ID back, and after being told they have no record of my phone number I asked to be transferred to a manager. I was told by the " manager '' that they were calling about a XXXX XXXX. I told her I did not have a XXXX XXXX. She told me they were calling about a debt from 1996. I told her that debt was written off a long time ago and that they were way beyond the 7 year statute of limitations and that they were clearly a scam at which point the " manager '' told me " we 're about to come after you '' and then hung up.
i notified, this is not my account, and they insist on collecting and sending me to jail, i ask for the copy of the application, and they don't send it.
I submitted a dispute for my XXXX XXXX card because it showing that have XXXX thirty day late payments. The 30 day late that is showing for XXXX is not correct as I submitted the payment on XXXX and that is not 30 days late. That payment was paid and came out of my account before XXXX which would have been 30 days. The late payments need to be removed for account ending in XXXX
This company reported to the credit agency that I did not pay the debt. I explained multiple times I was not the responsible party that was financially responsible, even in their validation of debt that the company sent to me. It showed the XXXX XXXX was 100 % responsible and if they took the time to file the claim properly they would have been paid without trying to collecting the debt from me and trying to destroy my credit by reporting to the reporting agency that I did not pay the medical bill. 
Recap : The CFPB should protect the consumers from allowing a debt collector to destroy someones credit when the debt was paid in full by the insurance company which is what I have been telling everyone from day one! 

Please see attached showing the claim was PAID to the medical doctor in full. All this could have been avoided if they just properly requested payment to the insurance company. THIS COMPANIES LICENSE SHOULD BE REVOKED! 

The debt was paid by XXXX  XXXX Claim number XXXX Account XXXX
I have like XXXX accounts showing as negitive on my credit report and I only got XXXX loans XXXX are in good standings. XXXX are negative. No one wants to help me out. I keep getting the run around when I call to get this resolved. I also did not go to school in 2014 like it says when it was open. I feel that my rights have been vilotated.
On XX/XX/XXXX, I used a banking app called XXXX, owned by Early Warning Services, to send money to my sister in the amount of {$250.00} from my bank account, via my debit card. The app states that the receiving person should receive notification of the transaction within 30 minutes. We waited but my sister never received the money or any notice of the transaction within her XXXX account. I called XXXX to verify and they told me the transaction processing was controlled by the issuing bank and they couldnt cancel or reverse the transaction. I could see the transaction as PENDING on my online banking. Since it was a holiday weekend, I waited until XX/XX/XXXX to see if the transaction reversed. But it did not reverse, the transaction posted and the money was removed from my account. By this time, my sister still did not have the funds or access the funds. I made repeated calls to XXXX, as did my sister, and they advised that her email address, to which I sent the money, was affiliated with her an old bank account, not her current bank account. The old account had been closed many years ago. XXXX advised my sister to call her bank and reassign the email address to her current bank, which she did. After doing this the money still did not post to her account. I called XXXX again and was told that if a recipient does not claim the money sent to them within 14 days then it will be returned to the original sender. So, I waited until XX/XX/XXXX but by then the money still had not been returned to my account. I phoned XXXX on XX/XX/XXXX, and they told me they can not return the money and I have to file a claim with my bank. I then called my bank on XX/XX/XXXX and filed my claim. As of today, XX/XX/XXXX, the Claims Dept of my bank ( XXXX XXXX ) has told me they are at the mercy of XXXX and it is up to them whether or not I get my money back and they can not guarantee any success. XXXX, and therefore Early Warning Services,  has stolen {$250.00} from me and has no recourse for me to get it back efficiently. This is unacceptable and a form of theft.
XX/XX/XXXX I received a text from Moneygram indicating that I had been sent money ( from a friend, I was expecting this notification ). XX/XX/XXXX and XX/XX/XXXX I  went to three different locations listed on the website in the XXXX   virginia area -- none of which were working ( all CVS ). Because my mother is ill I came to Ohio. XX/XX/XXXX I went to the Moneygram website and found the listed locations in Ohio. I first tried XXXX -- they said they were planning to be a money gram site but had not yet gotten activated. XX/XX/XXXX I then went to local CVS. Their money gram was up and running., Despite the fact that I had the senders name, my name, the amount, and the 8 digit confirmation number, my request was denied because ( 1 ) I didn't know the middle name of the sender and ( 2 ) "  the money was sent to Virginia , not Ohio '' The person that I talked to could not help me further. The instructions in the text I received were to bring my driver 's license and the confirmation number. I've asked the sender to cancel the transfer but I don't know if he will be able to do that. 
Moneygram should not post on the website locations that are not actually operational. Further Moneygram should not advertise itself as a national/international transfer organization since it can't handle interstate transfers appropriately
In XXXX of 2015, I was asked to be a co-signer on a personal loan. After applying I was never notified or made aware of the payment or interest rate by the bank or the borrower to make a decision on whether I wanted to accept the terms and agreement and move forward with the loan. Upon finding out that the loan was actually taken out and I was a co-signer, I contacted the borrower and he advised he accepted the loan terms without my knowledge. I then contacted Navy Federal Credit Union and was advised I needed to sign the promissory note. In which I advised I was unaware of the loan and would not agree to sign it. I then made an attempt to contact the credit bureau to dispute it off of my credit report and it remained. On XX/XX/XXXX, I contacted Navy Federal again and was told that the promissory note was not signed and they did not need one to distribute the loan. Whenever you take out a loan the law requires you whether borrow or cosigner to sign the document which signifies your agreement to repay the money. In this case there is no agreement ( signed promissory ) advising that I accepted the responsibility of cosigning the loan with a payment of {$630.00} a month and an interest rate if 17.950 % for 60 months which is ridiculous. With this tells me is, if a person apply or in my case cosign a loan, I am a not provided with an agreement outlining the terms and conditions ( interest/payment ) and giving the opportunity to say either yes I agree with it or not I do n't. Which in this case I would not have agreed to it. I have not seen a promissory note nor does Navy Federal have a signed one on file with my signature agreeing to these terms. So essentially the process is - cosign a loan, provide no documents to cosigner to review and sign agreeing to the terms, just distribute the loan without the cosigner knowledge. If this is the process for Navy Federal Credit Union it is misleading and unfair.
In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... XXXX ... Transunion ... nor XXXX   have done such. The inquiry is STILL on my credit!
On XXXX/XXXX/15 I arrived at airport to find that my flight dates were incorrect. I had to transfer dates and was told the fee would be {$320.00}. When I arrived home and checked credit card statement I found that there was an additional {$200.00} and {$35.00} fee charged on my account. I contacted XXXX XXXX and my credit card company immediately to dispute these charges as I did not agree to these additional charges and they were different than the actual charge I was told by the employee at the time of the transaction. I have paid the {$320.00} that I was told would be the transfer fee but the additional charges are inaccurate and I do n't feel that I should have to pay for charges I was not made aware of at the time of the transaction.
I was on a trip out of XXXX XXXX area by XXXX miles and my card was blocked when I purchased gas. When I called I was told it was due to possible fraud. I was told I would need a new card which of course could n't be sent to me there-XXXX XXXX. So I had to figure out other ways to pay for items on my trip with difficulty. My new card was supposed to be at my home on return. It arrived 5 days after that instead. When I talked to them ( US Bank ) they told me I would need to tell them of travel plans including the dates of travel and the state. This is none of their business and I believe puts my personal security at risk especially my home.
I called today to inform the credit agent XXXX ( male ) to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed, and reported to XXXX XXXX XXXX in XXXX XXXX! Experian continues to report incorrect information on my credit profile. Experian is not properly validating the true file date of my BK-XXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BK-XXXX date as XXXX XXXX, XXXX. The credit agent, XXXX flat out " refused '' to put in my request to validate and confirm the correct BK-XXXX file date to XXXX to show XXXX XXXX and NOT XXXX XXXX and not reflect any late payments prior to filing BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, this is to stay on my file until XXXX XXXX, and I want the revision completed immediately! I have submitted documents from their database to show the discrepancy and to fix it right away. I have also left a message ( XXXX, for XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my XXXX report # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and XXXX XXXX has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, XXXX XXXX was to re-insert the trade line - it was not done and does not show in my XXXX report at all ... ... Will you please assist me in this matter? Thank you.
I continously receive mail related to a mortgage payment from Ditech- a mortgage servicer. In XXXX I received a XXXX to XXXX after Ditech dismissed the foreclosure case because of forged signatures and the wrong loan amount. 

I received a " XXXX of XXXX of XXXX XXXX XXXX ''. This came from XXXX XXXX, the admitted owner of the note. I only have XXXX mortgage. 

Ditech continues to attempt to collect on a mortgage when I, the property owner received a release of deed of trust because Ditech admitted in court that the title company forged my signatures.
I was affected by the Equifax security breach and most likely have had most, if not all, of my personal financial information stolen as a result. This includes date of birth, social security number, full address, and possibly more. This information was leaked due to their security failure, and as such they should be held fully accountable for any fraud resulting from it.
XXXX years ago I submitted a request for Equifax to update my social security #. When I was purchasing a home I was told there where other # being reported with my name. I wrote a letter and sent proof of my social security and id. I never got a response. I figure maybe they did not receive it. I faxed them the same info. no response. I tried to dispute collections and there is no response. I tried to log online to do the dispute my self and I was given a message that my information did not match their records it asked me to fax what I faxed XXXX years ago. I also attempted to re fax it in 2015 again. I would like to buy a house and for XXXX years. I cant dispute inaccurate information that is hurting my financial decisions.
Navy fed has put me in a hardship to many times. Last year my now x husband did not pay the mortgage and the kept taking the money out of my account to pay it. This left me with no money to pat the mortgage on my rental property so now the start foreclosure. I gill Bankruptcy to stop the sell. Now im in bankruptcy and i call to have a money order mailed to my trustee for {$1700.00} it never got sent so my bankruptcy was dismissed. The sent letters to my attorney and trustee but the case was not reopened. Now it cost me {$1800.00} refile and they say i dont have enough income to do it this time. I filed lost mitigation papers in XXXX again in XXXX and again in XXXX. Im saying why do i keep having to refile meanwhile they are foreclosing and have a sell date of XX/XX/12. Im saying i thought we were in last mitigation no one has told me the results and that i was in foreclosure. Now they are saying they the whole package My primary is in foreclosure because my e has not paid i asked why no one told me they were not getting paid i was told because my x mailing address was in the system i said my name is on the account also and i have a right to know whats going on. Last year you took the money from my account so why did you not do it this time. Got no answer. They sent me letter telling how far it was behind. So i asked you found me to tell me when it got so far behind but you could not tell me in the first. Now they are trying to foreclose on this two Consumerfinanc.gov
Crescent City Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
In XX/XX/2012I was hospitalized for a injury sustained in military service to our nation. During this time I missed one payment and my minimum payment shot up to 800-900/mo. I was unable to pay that so I kept making  payments and sought relief under the soldier sailor relief act. Chase continued to charge exorbitant interest payments pushing me further and further behind. To their credit they sent me a check about a year ago refunding me for all the interest that they had illegally charged me. 

However, they pushed me up over my limit with fees, and then applied more fees. Finally they offered me a settlement on my accounts for significantly less then what I owed. I declined their settlement because my personal honor required that I pay any honest debt. 

At that time I made an arrangement, I agreed that I would repay every dime, including their fees, for them to remove all negative marks from my credit report. I kept my part of the deal and repaid them every dime. Chase however, has not kept their end, they have 11 derogatory marks spanning two accounts that they agreed to remove. Further more these accounts are inaccurate due to the simple fact that I was making payments which they claim did not satisfy their exorbitant minimum.
I am not disputing the amount of money i owe. Three ( 3 ) times i have set up a payment plan on their website. Each time they never took the funds. I am writing this complaint to get them to stop calling my grandmother who is hard of hearing and gets very agitated when being spoke to rudely on the phone. I have already asked them once to stop calling my grandmother, but they continue to do so. I just ask that they deal with me and stop harassing my XXXX old grandmother.
I have a TOYSRUS credit card ending in XXXX. Without notification, my credit line was erroneously reduced, in XXXX 2015, from {$5500.00} to {$1200.00} without any notification. Despite my scores being excellent, this adversely affected my credit and FICO scores, which is completely unacceptable. I am requesting my credit line be reinstated to its previous amount.
Dear sir or madam I have a leagal question related to advance notice of an adverse change to Agreement and Schedule of fees. 

I opened my account when I was in US almost 15 years ago. 
Then, I returned to my country, at that time, I did not close this acoount because it is convenient for me to use this account whenever I travel to US. 

I have been recieved monthly statement of my account from the bank in order to check my account out. 
But, in last XXXX, suddenly, monthly fees were withdrawn from my account. 
I did not understand any reasons for it, so I sent letters to the bank three times. 

They reund the monthly fees to my account after they recieved my letters and sent Agreemt whice guides me about my rights and obligation for my deposit account and deposit relationship with them. They also sent Schedule of fees which guides me about schdule lists account fees and the way to avoid some account fees. 

I guess that they withdrew montly fees from my accounts after they changed Schedule of fees in last XXXX. Because the date of effective XX/XX/2017 was printed on the front page of Schedule. 

However, they did not notify me this change before this changed Schedule would be effective. Schedule 's overview says " We may change the accounts and sevices described in this schedule at any time. We may add new terms and conditions. We may delete or amend existing temrs and conditions. ".

On the other hand, Agreement says " We ordinary send you advance notice of an adverse change to this Agreement. However, we may make changes without prior notice unless otherwise required by law. ". 

Here is my question. Is there any laws to describe that banks must notify this case of changes in advance? 

Sincerely, XXXX XXXX XX/XX/30