WillisBack/dataset-financial-user-claim huggingface dataset:
My account was reported to the credit in XXXX of 2014 for being late by XXXX, I was not late with my payment. There system would not let me make my payment and made a complaint about it. My late charges was removed and I was told I would not have it show on my credit report. Well they still reported it. for years I've been filling complaints, writing letters, calling and ects. and dispute on this matter and is getting fed up. I still have my account with this company and still hold this account in good standards with no late payments. This matter is damaging to my credit report and credit score. 
This is getting frustrating ... 
Please Help i am unable to submit any upload since I am using a public computer.
I was approved by Sierra Auto Finance, XXXX, TX for a vehicle loan in XXXX 2016. I found vehicle at XXXX XXXX XXXX, XXXX, MI-signed applicable documents, paid my down payment and took possession of said vehicle. XXXXfour days later, I received a telephone call from Law Auto Sales explaining that Sierra is unwilling to fund my purchase because Sierra can not verify my income after both Sierra and Law Auto Sales verified such income prior to me signing the " Retail Installment Sale Contract '' and taking possession of my vehicle. 

To date, I have yet to receive a letter of denial of credit from Sierra Auto Finance or Law Auto Sales. In lue of all this confusion, Law Auto Sales instructed me to pay them my monthly payment until further notice. I have been paying Law Auto Sales each month on time for the last four months. Law Auto Sales are refusing to report my credit history to the XXXX or any credit bureau. I have had numerous conversations and over XXXX e-mails requesting that my data get properly reported to credit bureaus and to date, I have no response of satisfaction nor reporting to credit bureaus. 

It is my hope that you will be able to assist me with this most urgent matter. Thank you.
I have a Health Savings Account with Wells Fargo. We were told that it is being transferred to XXXX XXXX on XX/XX/XXXX. XXXX XXXX sent a new card and instructions to log in to my account, which I was unable to do. I called both XXXX and Wells and discovered that somehow my account is associated with a completely different birth date. My birthday is XX/XX/XXXX. The birthday they have is XX/XX/XXXX, completely different and not a typo. This is very suspicious. We are trying to go back over the account history to see what has happened. Can you help us verify that this is an innocent mistake and not something more serious. I do n't want my social security number associated with a different birth date.
Graduated XXXX and began repayment in what I was told was an eligible repayment program for public service loan forgiveness. I've been full time employed in XXXX XXXX for XXXX years - all during the time of loan repayment. Made payments monthly and on time as required. Recently applied in XX/XX/XXXX at the end of my 120 payments and was denied due to being enrolled in the wrong payment plan. I understand this is a common complaint. Looking for advice for those who entered into these programs with the understanding we were doing what we were supposed to only to be denied after 120 payments, 10 years of being misled or misinformed. 

I appreciate your consideration and advice.
PNC bank claims that my son took out two loans using me as a co-applicant in XX/XX/XXXX totaling XXXX. He started making payments when the deferment period was over, however he was unable to keep up with it due to lack of income and as a result it was turned over to a collections agency XXXX XXXX XXXX. He again tried to make payments to them and once again fell short. They then reached my husband by phone at home and discussed the situation with him without my consent and caused more stress and harm to his health. I then took over and agreed to help my son by making monthly payment from XX/XX/XXXX thru XX/XX/XXXX when I lost my job. 

I contacted XXXX XXXX XXXX and let them know that I will not be able to continue making payments and the woman became outraged and told me that I have to make a full payment of {$27000.00}. ( approx. ) within a week. I explained that I can not afford that then she said she will settle for {$16000.00} ( approx. ). Again I couldn't afford it so I offer a one time payment of {$10000.00} using my credit card and she took it and processed it right away. However, she did not informed me that upon payment this will settle the debt against my son and myself until I asked. I was disappointed and betrayed so I had her reversed the payment for failure to disclose her intentions. 
I then started to seek help regarding these loans to I asked for proof of them loans and PNC bank was able to provide me with only one promissory note for XXXX and I haven't anything on the other loan they are claiming. I never benefitted from any of these loans. 
I have no direct communications with PNC bank but XXXX XXXX XXXX representative made a false statement to them that I agreed to pay and settle for {$10000.00} to have my name removed. Now PNC bank attorney drawn up an agreement for me to make payment and settle which I did NOT agree to.
I have had a long standing negative account with XXXX, I have paid this in full long ago and in doing so the collection agency hired, agreed to delete the account from my credit report. I have faxed over the documentation more than once, but was told to deal strictly with the collection agency, after numerous disputes, despite documentation XXXX was provided, they are not doing anything. I disputed this already once, even the statue of limitations in Michigan is 6 years, the credit reporting agencies status was " XXXX XXXX .... 
PLEASE CONTACT CREDIT XXXX AT -XXXX-this was all I got. I feel like we are going in a circle over and over again.
Hello, I am contacting you about my Citibank Double Cash MasterCard. I think it is safe to say that they assume that customers are not capable of calculating what their interest rate is or how it is applied. They have been fudging the numbers on my accounts for a very long time. My card has an ending promotion period where the interest rate was 1.99 %. To mark this event my details show my last payment before the ending of the promotion period as $ XXXX making it seem as if no payment was received and the double interest to offset the double cash is in place to XXXX my account starting XX/XX/XXXX.  Their website used to automatically update customer balances as soon as you make a payment. This is no longer the case. I have not contacted them about this theft because I do not look forward to the upcoming lies. The objective is the same as other large banks. I believe it is easier for them to steal from people with larger balances so they do so with reckless abandon leaving the consumer deeper and deeper in debt for the greed of inept corrupt government. Ending balances, payment made and statement information available if and when needed. Please assist. Thank you.
I am experiencing financial difficulties repaying my loans due to my husband also having student loans. I was approved for deferment prior and now I have XXXX Income Contingent DL - Consolidated loans. I was not given any options. I attended XXXX XXXX XXXX, XXXX, TX.
the website XXXX is NOT maintaining their " contact us '' form/email communication online. i tried to submit the following email to them and kept getting an error message : I forgot the date I last used XXXX, I reapplied, and it directed me to each individual credit agency website, they each turned me down and said*you have received a report in the last 12 months* you are not eligible yet. after the XXXX agency declined my free report, i was directed back to XXXX which said *thank you, please save the date and come back in 12 months* etc., my question is : WHEN AM I ELIGIBLE AGAIN?? i did not receive the reports today and did this attempt RE-SET my eligibility for ANOTHER 12 months??!!?? thanks. ( I signed my name here ) ****ps. I tried to submit this contact form 3 times while I was logged in, and it gave me an error message each time, then it logged me out and said to log back in. **what is the federal agency that regulates this company, where do I send a complaint?
I took out a loan for XXXX semesters for student housing at the College XXXX. ( Original Creditor ) Since I transferred to a different school my XXXX semester they are stating that I owe money from the loan that was taken out. They sent that bill to a collection agency who wont provide me any proof of this balance. This balance gave me a hold on my transcripts which means I can not further my education without this token care of.
I have about 7 loans with XXXX XXXX. Then Navient was created so I had 5 loans with Navient ( they said it was federal ) and 2 loans with XXXX XXXX ( which XXXX XXXX said its federal ). 
Around XX/XX/2017, I was literally drowning in the bills because XXXX XXXX will be taking money from my account and so will Navient. I was told by XXXX XXXX that Navient was federal so they could help me get better rates for my repayment. Navient said they were private loans and couldnt offer me anything. This went on for daysrude customer experience from different managers/supervisors. So at this point I was just consideration debt declined to just consolidate all of my loans. But a friend just told me to try Navient again. So I called one last time and someone tried to help me. Paying one fee until XXXX. However, they forgot to apply one of my loans so here I was paying the lowest rate in all 4 loans and on the other loan ( that was applied ) a double rate. Since I couldnt do that I had to use my last three forbearance. Another payment will come out in XXXX, their saying that I owe them more than the payment thats already being withdrawn from my account. I spoke to a different representative again a couple of days ago. They wanted to put me in a different program again but it wouldnt include all my loans. I am sick and tired of dealing with dishonest people. Navient has affected both my loans and my parents loans because of Dirty trickswhich just keep increasing my principal. I have no idea where to go from here.
I disagree with Citibanks decision on XX/XX/XXXX, to deny my home equity line of credit application number XXXX. 
I believe Citibank didnt correctly follow the CFPBs regulations, defining what gross income means. 
Researching the Electronic Code of Federal Regulations, and questions and answers listed on the consumer financial protection bureau, gross income is defined as monthly income including taxes and other deductions. 
It is common knowledge that, payroll taxes include : - Social security taxes - XXXX taxes - Local income taxes ( XXXX  in my case ) - Federal income tax Per the documents I already provided Citibank with, my current income is made up of XXXX pension and social security income. Both are exempt from social security, XXXX and of XXXX income taxes. In addition, IRS will consider only 70 % of my security income as subject to federal income taxes. 

In my efforts to convert my net income to gross, I used percentages determined from actual pay stubs I received back in XXXX and XXXX. I did not use the money I earned back then in my current loan application, but rather the percentages representing the taxes deducted from gross income to arrive at net income. I then asked Citibank to increase my net income by the calculated percentages to arrive at the equivalent gross income. From the enclosed XXXX worksheet, the actual percentages of social security, XXXX and XXXX income taxes as related to net income received, totaled 17 % of the net income. In other words, since I dont have to pay any of such taxes, my net income should be increased by 17 % to be at par with other applicants gross income, since Citibank is equal opportunity lender. Not doing so will be in my opinion, discriminatory for people who receive pension and or social security income. That is without even claiming an additional percentage pertaining to the 70 % IRS exemption of my social security income ( I would have had to pay 100 % of the IRS rate had I earned that income through wages ). 
To demonstrate the point, Im enclosing a pay stub I received back in XX/XX/XXXX. The b-weekly stub shows net income of {$1700.00}. Back in XX/XX/XXXX, Citibank approved my mortgage application, based among other things, on acceptable debts to gross income ratio. I now make {$1900.00} and I only pay {$100.00} federal income tax, leaving me with a bi-weekly net income of {$1800.00}, which is more than what I made in XX/XX/XXXX. In other words, if someone with less than my take home pay, with same good credit score and high home equity, applies for a similar loan, that someone would have been  approved by Citibank, but not me or most of those who receive pension and or social security. I do believe such would be a discrimination against a large group of people, and not as claimed by Citibank : Equal opportunity lending. 
To add : Citibank refused to provide me with an explanation of the net to gross income ratio they used ( 11 % ), nor have they made even an effort to explain their definition of gross vs net income!
This agency continuously calls me at work even though they have been told numerous times in writing they are not permitted to do so. They are also well aware this debt is not valid. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is a blatant violation of FTC laws. A quick search of your records demonstrates this company has no problem disobeying your rules. They need to be shut down.
I spoke to a rep XXXX/XXXX/16 from Valentine and Kebartas letting them know I am disputing the validity of the debt and for them to cease communication with me. They call repeatedly every half hour and also after I told them to cease communication on XXXX/XXXX/16 @ XXXX. They are very rude and one rep even hung up on me.
XXXX automatically enrolled me in a credit protection program when I first signed up for the card. I had no idea this program existed and that there was a fee attached after all these years. We were using our card often until the balance started to increase and I decided to stop making purchases to pay it off. its been 2 years and the balance continued to increase instead of decrease. That's when I noticed the additional fee. XXXX $  per every {$100.00} spent on the card. I called to end this program immediately and they said they would stop it and put in a refund request since I had no idea. Customer service was very rude and they ended up denying my refund. I have probably been charged over XXXX since XX/XX/2012 with these fees alone.
In the midst of refinancing at another bank, my current mortgage was picked up by another bank thru an acquisition. The new bank is M & T bank. They marked me late for a mortgage payment. The month prior I set up a draft, which was taken out 4 days late. No issue with the bank. 

The next month it was never taken out. I attempted to login to the banks online service & was blocked. I have a print out of this. The payment is due, per the invoice on XX/XX/XXXX. In this case XXXX XXXX. They marked me late XXXX XXXX. Interestingly, there was no late fee, but I was late for credit purposes. I learned about it from my banker doing the refi. 

M & T was no help at all. One person there said they attempted to contact me via phone regarding the draft.When I made a follow up call, the woman I spoke to had no phone number on file.
I initially received a collections notice from Credit Collections Services ( CCS ) several months ago relating to an overdue balance from XXXX XXXX. I confirmed with XXXX that the balance was incorrect and in fact I had a XXXX $ balance. This was confirmed with multiple call with XXXX at the XXXX Executive headquarters ( ph : XXXX ). I informed the CCS caller multiple times what I had confirmed with XXXX and attempted to provide the number of XXXX. CCS attempted to still pressure me into paying over the phone even after I advised them of this. They informed me there was nothing that can be done about the debt or than get paid since it was submitted to them even though I confirmed it was incorrect.
The collection company, NCB Management, has posted erroneous information to my credit reports. I wrote asking for validation of the debt and they only sent a computer printout in response. Their failure to adequately respond is a violation of the FDCPA per XXXX XXXX XXXX Law Firm, XXXX XXXX XXXX  Court, XX/XX/XXXX
I am on a payment plan with XXXX  XXXX in the amount of {$170.00} monthly for medical bills incurred in XX/XX/XXXX. I've been paying this amount for long time. In XX/XX/XXXX XXXX  XXXX turned over a portion of the debt to Revenue Group, a collection agency. I contacted XXXX  XXXX and they would not help. I told the customer service agent I had been paying and didn't understand why a portion of the debt was transferred to the Revenue Group. She would not research my account or look at payment history. I asked to speak to a supervisor and she said someone would call me back. This was now weeks ago and no one has contacted me. The Revenue Group continues to contact me for payment of a portion of the debt. I disputed the charge and told them I've been making payments to XXXX. The Revenue Group sent a letter date XX/XX/XXXX stating the debt is valid and owed to them. I am sending Revenue Group another letter dated XX/XX/XXXX stating I've been making my payment per my agreement with XXXX   XXXX   and will continue to do so. I am not working with Revenue Group and there is no justification for my debt going to a collections agency. I have continued to make payments to XXXX  XXXX during this timeframe and they are accepting my money. I just made another payment today XX/XX/XXXX for the XX/XX/XXXX payment.
XXXX/XXXX/2015, XXXX MT, XXXX, showing as Private Name on home phone, called and asked for XXXX. I replied " You have a wrong number, '' and hung up. 
XXXX/XXXX/2015, XXXX MT, XXXX, called my cell phone. A nasty toned female rattled off supposedly her name and some supposed id number. She mutilated my name and wanted me to '' tell XXXX to call '' her " today. '' I told her she had no right to call me. She replied that she could call me on any number she wanted to. I told her I did n't know who she was. She raised her voice and said 'of course I did, she had already identified herself and told me she was from Navient. ' I told her I 'd been the victim of the IRS and Anthem hacks. She attempted to talk and yell over me. I hung up. 
I cosigned a private loan and have XXXX XXXX loans associated with my daughter XXXX. All XXXX loans are current. If this was a valid Navient phone number and Navient representative, Navient had no business calling me and demanding that I call or contact my daughter ( or anyone, for that matter ) regarding anything that I am not personally responsible for. This is harassment, bullying, and unprofessional conduct and activity. In addition, years ago XXXX directed XXXX XXXX to remove my name from all her federal and private loans ' contact lists. They supposedly did, but now Navient is calling. Why is n't Navient abiding by XXXX XXXX 's supposed " word '' not to call me?
I sent verification to Experian from the The United States Bankruptcy Court ( District of South Carolina ) to show proof that : I challenged the accuracy, compliance and reportability of this listing. The United States Bankruptcy Court do not provide court records to credit bureaus or third party vendors. So how and from what source did they ( Experian ) investigate and or reinvestigate this information. I provided proof of the credit bureaus error in reporting. The public record should be removed. attached is the response and dates that were sent to me. I also have a problem with the time frame in which they said that investigated. All records, letters and proof is attached. The state that i need to have more proof the letter form the court is more than sufficient.
I received a notice dated for XX/XX/2019 from XXXX XXXX XXXX that stated that they could not extend me credit due to the credit score obtained from Transunion credit bureau. The score provided was exceedingly lower than my scores from the other bureaus, when I called Transunion to obtain a copy of my report along with the credit score I was instructed to pay {$19.00} for both but ALSO had to join their credit monitoring program for {$24.00} a month to obtain the information! I was able to pay XXXX  and XXXX  to receive copies of my reports and credit scores with no problems. I want to know how is this practice acceptable because by law I am due a free credit report once a year.
XX/XX/19 I was charged {$170.00} on a {$2000.00} balance from Barclays Aviator MasterCard. 

In XX/XX/XXXX I made {$8900.00} in payments and {$1000.00} was returned. ( I made a mistake putting funds in the wrong checking account and contacted MasterCard immediately to inform them ). I was penalized by MasterCard for {$25.00} dollars and thought that was the end of it. 

That penalty apparently wasn't enough, I was then charged interest ( {$170.00} ) on {$7600.00} instead of the {$2000.00} that was my real balance. 

On XX/XX/19 I spoke with XXXX from Barclays MasterCard and was informed that they as a policy ignore the balance on my credit card if a payment is returned and charge interest on a larger amount. She did not believe that the {$25.00} penalty was enough payment for my mistake.
This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/18 an inquiry was made on XXXX by a firm called XXXX XXXX and on XX/XX/18 on Equifax by a firm called XXXX XXXX . I have since found out this is the same company. I contacted XXXX  I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative XXXX XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX is, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.