WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also XXXX, XXXX, and Equifax. No one is resolving the issue.
I canceled a VISA card issued through Banco Popular because they are impossible to deal with including issues such as : you ca n't pay the credit card on line unless you have a checking account at Banco Popular, the wait time for their 'help ' line is always in Spanish first even though you press the number for English, and the wait time on the customer service lines is at least 20 minutes and many times up over one hour and many times they cut you off before finishing the call resulting in multiple calls. 
So, i canceled the card and destroyed the card as they indicated in the letter that I should. I still had a balance on the card so the following month I go up on line to access the bill so I can go to the local Banco Popular to pay it as I had to do every month and lo and behold they have shut off my on line access. After two days and many hours on hold I finally talk with someone and explain I still need to access the account. They refuse to let me do that because I have 'canceled the card ' so they 'canceled my on line access '. So i tell them to send me paper bills. They send one XX/XX/XXXX and none this month. Today I went into local Banco Popular bank and have the branch manager call them to access our account. She was on hold over 30 minutes and then they told her wrong department, transferred her!!! and that line said it was an estimated wait of one hour! So she gave up and said there was nothing she could do!!! Is n't it my RIGHT to get a billing statement every month?
I did not receive my XXXX 2016 statement from Citibank. I was charged a late fee and interest by Citibank. I called Citibank to resolve this issue only to given a run around. I would like this matter to be resolved immediately. Thank you.
In 2014 I made XXXX payments by mistake, and ever since Ive been calling because XXXX of thosepayments was applied to principal when I never said that it was for the principal. Whenever I call, Imtold that everything is fine, but when I get me statement, they charge me for XXXX months and withpenalties. I always send them what is necessary for the monthI never send them any more. I needsomeone to call them and to have them tell me the truth, since theyre always lying to me. Thank you. 
Im writing in XXXX because I dont know how to write in XXXX.
On XX/XX/2018, I was trying to acquire a personal loan thru XXXX. When running my report It was noted that I had a delinquent account. On XX/XX/2018 I pulled credit reports from all 3 credit bureaus, I filed a complaint for resolution to remove the negative account because it was reported as closed late, but it should have been reported paid closed never late. On XX/XX/2018 I contacted XXXX XXXX XXXX to notify them of their mistake. They were able to fix it under AUD Control Number : XXXX and sent all 3 credit bureaus the new information. On XX/XX/18 reporting was updated on XXXX, and XXXX   but not trans union. I submitted another dispute via trans union site on XX/XX/18 and On XX/XX/18 again I submitted 3rd dispute via trans union website, and ( 4th ) via telephone complain to supervisor XXXX XXXX at approximately XXXXpst. I also purchased a credit monitoring not by choice but because I felt obligated so my complain would be resolved. Its been 4 months and this is affecting my credit score and I can't buy a home or open credit due to their mistake.
None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/2006 our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened between XX/XX/2006  and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save , and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.
My mortgage is with PHH Mortgage, serviced by mortgagequestions.com.

I have been paying PMI since the loan originated, but last year applied to have PMI removed. I paid their fee for their appraiser to come out and appraise the current value of my home. Their appraiser stated the value at just under the value that was needed to remove PMI on the loan.

In XX/XX/2018, I had another appraisal done to try to refinance the house. The appraised value came in higher than the value needed too remove PMI last year, so, once the refinance failed ( due to a separate issue with divorce ) I contacted PHH/mortgagequestions.com to start the process to remove PMI from the stated value from the appraisal. I have contacted them several times. More than 1 week after each contact ( their autoresponder to email states I'll get a response in 24 hours ), I get a response to my request that they will send out a letter outlining requirements within 7-10 days. I've been trying for a month now and I have not gotten this letter, nor have they responded with a reason as to why they're delaying responses.

Their delay in removing PMI and their appraisal last year feels deliberate in an attempt for them to continue collecting that fee even in light of the requirements for removing its having been met.

Additionally, I have my mortgage payments set for 2 equal payments each month. The first payment is always the requested payment, the second payment of the month is always higher than requested with no explanation as to why. Additionally, my account statements never reflect the additional amount that has been taken from my checking account for payment nor what the additional amounts were used for.
I was charged for a shipping label in the amount of {$19.00} in XX/XX/2018 XXXX/paypal. Every time I try to get a refund I'm told that they can't refund my card. Claiming, that they can only credit my paypal account. The purchase was not through any account. The refund procedure on their website says that the refund will be processed back to the credit card.
As of XXXX XXXX, 2016 XXXX XXXX sold the servicing rights to my mortgage to a company called XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Co. 
XXXX. I have made numerous phone calls requesting monthly mortgage statement and as of today XXXX XXXX, 2016 I have not received statements for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX payments already paid. This is not acceptable. I want monthly statements reflecting all required infomation ie, balance, date payment received, allocation to interest/principle, escrow balance etc. 
The last phone call I made to the company a customer service person said they are having trouble with a new " Vendor ''. I still have no statements. Please help
On XX/XX/18 I saw 2 charges to my credit card, one for XXXX and one for XXXX that I had no clue what they were for. There was a phone number with the charge and I called and was told I had made a trial purchase and had 14 days to cancel the trial or be charged the above amounts. I told the merchant I had not made this trial purchase and had not agreed to thus and asked them to cancel this and refund me my money. They refused to refund me but did cancel future purchases. The company that did this was XXXXXXXX XXXX  XXXX. 

I also filed a dispute with my credit card ( citi bank ) and sent in 2 different responses. They allowed the charge and did not support the fact I was wrongly charged. I plan to close the credit card and hope this will not affect my credit. I have not did this yet as I am trying to resolve this first. 

The reason my credit card is stating they allowed the charge is that I did not cancel the order until after I was charged. This makes no sense as I can not cancel something I knew nothing about and had not authorized. 

I had ordered something from the company but my order had no strings attached to it but they claim it did. i have my invoice, my packing slip and nothing shows that I would be charged. 

I am asking for your help with this dispute and also help in ensuring as I close this credit card it does not affect my credit.
I pay every month  XXXX  for now over 2 years and am not charging anything. I only go in t he Lowes store to make my payment. Lowes is con tiuing to add late fees and finance charges. The only time I have been late was  XXXX     2017  instead of    XXXX   XXXX  ,2017 .    Lowes have called me on my private telephone until I reported them the first time. I have all of my payment receipts and the monthly bills I should be refunded moneys because I was misled and Lowes employees was n't aware of the time limit for suppose promotions.I know that I am not the only consumer that is having these problems from Lowe 's. I am having me dical problems and  XXXX  is all that can pay for these times.   I need for cfpb to take some actions and soon.
I CONTACTED THE DEBT COLLECTED AND MADE A PAYMENT TOWARDS THE AMOUNT OWED. THEY ARE STILL CALLING THREE OR FOUR TIMES A DAY. THIS COMPANY WILL NOT WORK WITH YOU AT ALL. THEY ARE VERY RUDE.
the addresses is reporting incorrectly on my report i have no knowledge of these addresses other than my current residence. XXXX XXXX XXXX XXXX XXXX.this has been my address for 10 years
For the past 6 months I been calling the company with problem. Not one time have they told me I was underpaid in anything. Now they saying I owe them XXXX dollars more than my fixed interest rate contract without notify me until the very end of XX/XX/XXXX. I call them on XX/XX/XXXX with question and they did not say i was underpaid. I want a refund of XXXX back
This company is trying to collect {$170.00} and {$170.00} ( listed twice on my credit reports ) from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
I would like to file a complaint against TCF Bank. On XXXX XXXX XXXX I discovered that {$600.00} dollars was missing from my checking account account and tried to stop the money from posting but because it was on a Sunday the teller said that she could not do anything other than stop my atm card until Monday. The next morning I went back to the tcf branch to file an investigation on my account because someone had used my atm card at a Tcf atm in XXXX Michigan but was informed by the branch manager that the bank could do anything unless I filed a police report with the XXXX police department because thats where the crime occurred. The next day I got a copy of my bank statement a filed a report with police. I went back to the branch to file the investigation with Tcf bank. The bank said that it would be easy to identify the person because they used tcf bank 's atm and they good camera systems. Next they ask me if i gave my pin # to anyone and I told them no! That I did not give my pin to anyone. Next they ask me if I suspected anyone told them no I do n't and that I had not used my atm card in a while since about XX/XX/XXXX but I had just went through a divorce back in XX/XX/XXXX its possible my ex wife could have got a hold of my card when she moved out and I did not authorized her to do anything with my card if in fact she was the person who stole my money. I told them that I have only XXXX card and no one else is on my account. The person who stole my money done a balance inquiry that cost me {$2.00} then according to my bank account statement and started pulling money out. The money that was taken made me short on my apartment 's rent so I had to move out. I continued to work with the bank asking if there was anything else that I could do the manager said no they have their own investigation department and they would be sending me a credit. I got a credit about 10 days later and a few days later I received a response from the investigation department asking for my account as to what happened and it had to be notarized and faxed back. I made another trip back to the bank and filled out the the investigation later and gave them the police report number and had the bank fax it back. Since faxing letter back I had no response from the bank. On XX/XX/XXXX I discovered that the bank had taken the {$600.00} back from my account with no explanation as to why so I asked the manager and she that my claim was denied because I benefited from the theft out of my checking account. At this point I was at a loss because I just loss my apartment and had not heard anything from the bank. The manager said that the investigation was sending me a letter as to their findings but I have not received any letter from them. Then she told me to file an appeal which I done. I do not think that it is fair to accuse me of benefitting from this matter. I followed every instruction from the bank to help with their investigation in a timely manner and ask to be kept in the loop and I heard nothing from them. The branch managers said everything was okay you going to a credit. This the number to the XXXX police department XXXX where i filed the report.
I do NOT have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for this collection from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.
On XX/XX/2014 this debt for XXXX, XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Credit score keeps dropping for no reason. Opened a new XXXX 's credit car and charged {$100.00} of which {$60.00} has been paid. I want to know why it has fallen 100 points when I have nothing derogatory on my report and all charges are paid on time??? Second request with no answer. XXXX had to correct the same situation 2 months ago and now Equifax has lowered my score. It is a domino effect that snowballs.
I had an American Express Gold Rewards Plus Card.  I called Customer Service.  The representative said that I couldn't change, but that I could apply for a new credit card and cancel the Gold card.  I wanted a Green Card but the representative steered me towards a Blue Cash Every Day card even though I said I would be using the card as a XXXX or backup/emergency card.  He submitted for approval and it was denied.  This all took XXXX minutes.
I called a XXXX time immediately after to cancel the Gold Card.  The XXXX representative asked why and I explained that I wanted to downgrade to a Green Card but that option was not available to me.  She said it was and made the change.
I wanted an American Express card, but I didn't want to apply for a new credit because my credit isn't that good and I know applying for credit and getting denied further damages my creditworthiness.  I should have been able to downgrade from the Gold Card to the Green card with the XXXX representative instead of applying for a new card and getting denied.
I have tried to file a waste/fraud/abuse complaint with the Department of Education Inspector General and was referred here ( email attached ). 

I have been working with the Ombudsman 's Office since XXXX 2015 ( Case # XXXX ) to try and resolve issues with my account serviced by Navient. This has resulted in Navient making numerous changes to my account that typically cause further problems that need to be addressed. These " mistakes '' and " errors '' on their part always seem to result in paying more money towards my loan in the long term or sending in additional payments just to get Navient to look at my complaint. 

Navient has issued documents regarding these changes and they have sent copies of these documents in a timely manner to the Ombudsman 's Office. They have told my case worker that they are also sending me these documents, but I do n't think they 're actually being sent ; they 've supposedly been sent several times through email and traditional paper mail, but never arrive. I have verified my contact info with Navient, so I know they have my correct email and physical address. 

I am concerned because this latest " mistake '' on their part involved over {$4000.00} of interest being shown on my account that does n't belong there. I believe they are deliberately withholding documentation of changes being made to my account because it shows egregious and possibly fraudulent activity on their part. 

I am tired of being shuffled from agency to agency, with everyone who accepts a complaint either telling me it 's not in their jurisdictional authority or that they simply can not help. I have begun writing the offices of my elected officials to inform them of my being shuffled around by different agencies and of the abusive behavior received on the part of Navient, a federal contractor.
Hello, When I just come from XXXX, I had XXXX years old, much everyting seems to be new and different to me. I start working, but I did n't know that there were people that was planning to make me feel sick and XXXX by bringing me to problems that they sure n't can involugrate me on, i were not inform of much and they violate my trust and laws of respect, dignity and identity, and now I have been harassed by collections agencies, for example this one that I just find in my mail today from : XXXX original creditor : Wells fargo Bank , N.A . original account number XXXX current Creditor : XXXX, XXXX. XXXX Account No : XXXX Current Balance : {$10000.00} I feel they just have been disturbing my patience, and they try to charge something that I dont have, something that I did n't purchase. I hope some one can help me to stop the corruption and harassment they have been planning against me and good people.
In XXXX of 2013, I tried to apply for a auto loan and I was denied due to bad credit. This is the first time I 've tried to obtain credit anywhere. When my mom was showed the credit reward, it was all of my father 's information ( bad credit ), but, under my name. We have the same name but different middle initial. We 've contacted XXXX, but, this is a nightmare to try to fix. I want to go to college soon, and will need to apply for student loans, but, with this on my credit, I wo n't be able to get any assistance. Please help!
Case # XXXX do not have a CapitalOne card but supposedly, i was a victim of Identify Fraud and CapitalOne is harassing me about owing purchases I did not approve or was aware of. 

history : on approximately XXXX XX/XX/2015, a CapitalOne Fraud rep left a message saying me asking if I recently applied for a credit card. when i went online to get their fraud department, they said i was not responsible and not to worry. 

Then on XXXX XXXX, 2015, a CapitalOne fraud rep named XXXX XXXX ( XXXX ext. XXXX ) started asking me aggressively with more personal questions, which i felt awkward giving out, I told her i would call back. When i called their main fraud line at XXXX, they said my case was closed and that XXXX XXXX probably did n't have the right information and not to worry that everything was closed. XXXX XXXX XXXX then called me back and said I needed to answer all these personal questions and i told her i just got off the phone with her team and was assured everything was closed so she replied, " fine, you will be responsible for all charges now '' then hung up. 

In my mailbox, i was sent a letter from CapitalOne Fraud via XXXX XXXX XXXX stating that they completed their investigation and have found that I am responsible and I owe {$3500.00}. I was tempted to call her back but called their XXXX main Fraud line and again, their rep said I am not responsible? It seems like CapitalOne has so many layers within their organization, let alone their own Fraud department, that I keep having to talk to multiple people who either ( a ) says I am responsible, which i am not or ( b ) who says to ignore their own department and that I am not responsible. Now I am getting the run around and not sure what to do here. 

Please have someone who can tell XXXX XXXX to close my " made up account '' - that I did not open and stop harassing me. in fact, i would think CapitalOne would train their Fraud department not to harass the people that are victims. You guys should have my number based on the case # i provided.
I applied for a loan, the truth in lending disclosure was never displayed to me. The company told me on a {$400.00} loan I would have to pay a total of {$540.00}, which includes a {$140.00} service fee what I accepted. Today I check my account and they are charging almost 1000 % interest ( not a typo )! This was NEVER told to me or I would have never accepted the loan! This is a scam!