WillisBack/dataset-financial-user-claim huggingface dataset:
Several attempts have been made since XX/XX/XXXX by contacting XXXX  by phone and in writing to resolve the inaccuracies with the payment history of my credit reports. I have followed up with them every 90 days and have found no resolution to this issue. XXXX has made several 30/60/90/120 late payments reflecting that my payment has been late but I had my account continuously in forbearance due to financial hardship since they had ownership of my account. For the period of time they have me reported as late, my student loans was still with XXXX XXXX XXXX/XXXX. For some reason, when they merged accounts, it caused my accounts to be duplicated and incorrect. It seems as though the customer service representatives have no way of correcting this issue with finding pertinent information concerning the financial hardship request in there system. The inaccuracies starts as early as XX/XX/XXXX but my account did not transfer to XXXX until XX/XX/XXXX and at that time I contacted them directly to notify them that I was not in position to pay my student loan debt because I was contemplating on filing for bankruptcy and I suffered with financial hardship dealing with medical problems, decrease in finances due to divorce and trying to maintain household expenses as a single parent. I'm asking for XXXX to work along with XXXX XXXX XXXX ( XXXX ) to resolve this reporting issues. I found that some of my accounts has been updated but not all of them.
My mother, XXXX XXXX, XXXX XXXX in XXXX of 2017. She had a checking account with XXXX XXXX. I was registered as co-Trustee on the account as I also had Power of Attorney priviledges. After my mother XXXX XXXX I kept the account open for a few months as she had automatic deposits and withdrawals scheduled into the account and I wanted to get a better handle on those before closing the account transferring the balance to an Estate Checking Account, which I did in XXXX. My mother only got online statements, so I was unable to get statements after she XXXX. In addition, I was unable to set up online account access for myself since TCF was undergoing a system conversion to its online banking system right after my mother 's XXXX. 

I was recently reconciling all of the accounts in order to list all of the expenses of the estate. I noticed TCF charged a {$9.00} maintenance fee on XX/XX/XXXX to my mother 's checking account ( which was closed in early XXXX ). Since I did not get statements or have online access, I was n't aware of this charge. I asked what it was for and that it be reversed. The bank has been unable to tell me why the fee was assessed, even after 4 requests. In my opinion, the bank has an obligation to at least inform me why a fee was charged and do so without reasonable hassle. This has been a considerable hassle and I 'm disappointed it requires a complaint to a regulator to get a call to action. In addition, TCF has been unwilling to consider refunding the fee as they note the account has been closed. It has, but I was n't aware of this fee. The key reason I was n't aware of the fee is that they were n't able to set me up with online access when I took over the checking account because they were doing a system conversion which at the time prevented me from enrolling in online banking. Therefore they need to take some ownership in the circumstances, and they have n't.
On Thursday XXXX XXXX, 2016, I deposited XXXX into my new checking account and it was immediately placed on hold. I called in XXXX XXXX and they told me the account was put under review. I have rent to pay, car insurance and so many other bills that have racked up in late fees. Its been 2 weeks now and my account is forever under review. I called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and every day I call in a new review has been put on the account. Then when I call in they say the check has been approved but yet the account is in credit only status.Its a payroll check and I need for them to let it go. It 's ridiculous how much of a bind they put me in. I want compensation for late payments that they have put on me.
When I was reviewing my credit report from Transunion and XXXX  I notice a hard Inquire that I didn't give permission to have. I would like this item to be removed. from both Transunion and XXXX. and a letter stating that is have been removed.
XXXX   XXXX   the payment I owed to Target of  XXXX  which was received 6 days late due to a problem that I was not aware of. I was out of Alaska, in  XXXX  and I did not receive any statement from Target with late dues.   When I came back which was in   XXXX   XXXX   I tried to explain to Target that I was out of the country, and was sure that the amount was paid.   They said that the 30 days in which I should have resolved the issue I did n't call ...  ..but how could I be aware that the payment to Target of   XXXX   came 6 days was late?    I tried to resolve the issue with them, but there was absolutely no opening.   Nor there is any opening from their side right now.   They have sent this to   XXXX   which is creating a problem for me.   I would very kindly suggest that you mediate in this affair.   I do not owe anything to Target, there are only charging interests.   Even though I tried to pay the interests for  one  month, for the delay ; they are not considering that either.   Thanks  XXXX   XXXX  Target Account Number  XXXX
PayPal placed a hold on my account 7 months ago for unknown reasons with a statement stating they would send instructions to release the funds in 6 months. 6 months went by without contact. I spoke with a representative on XX/XX/XXXX who stated that the funds would be released in 3-7 days. I received no contact and the funds were not released. I contacted PayPal today, XX/XX/XXXX, who stated that they were going to review the account, but given no timeline as to when the funds would be released.
I recently pulled all three of my credit reports sometime in XXXX. I noticed a collection account for Enhanced Recovery Corporation. I sent a debt validation letter on XXXX/XXXX/2015 and as of today I have received nothing to validate the debt. I disputed with all of the credit bureaus but they say its been validated. How is this possible if I ca n't get basic information such as a last billing statement or contracts signed by me for this account. I have had my bank account compromised twice in the last two years and need to know if this is legit or not.
Wells Fargo Home Mortgage has established a scheme to prevent its customers from legitimately paying down their mortgage by paying on a bi-weekly basis. They hold on to a policy that says that they can not accept partial payments, when in fact this is not the case. They will hold funds in an " unapplied '' status until the second payment comes in. They are getting the payment interest free from their customers, and charging them interest in the interim. I had made an extra XXXX payment, then proceeded to establish a regular bi-weekly payment for the following month. I received a notice stating that the " balance was due '' on my mortgage account. It is an utter lie. This must be stopped! We taxpayers bailed these banks out and this is the way our government allows us to be treated and it is totally unacceptable.
This Complaint is in response to the XXXX XXXX, XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Department of Education/XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
, Department of EducationXXXX representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX that any subsequently initiated deferments would not allow for, Department of EducationXXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my, Department of EducationXXXX accounts that were part of the XXXX XXXX late payments show deferment status effective as of XXXX/XXXX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with, Department of Education/XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other legal routes if necessary.
I have tried to contact XXXX XXXX XXXX and Simmons agency regarding this debt unfortunately a previous roommate took my information and ordered items without my knowledge I do not have any information on how to track them down I have been trying to resolve this for quite some time now please consider removing this account from my name as I did not incur these charges. I have tried to contact XXXX XXXX XXXX  and Simmons agency regarding this debt unfortunately a former roommate took my information and ordered items without my knowledge. I do not have any information on how to track them down. I have been trying to resolve this for quite some time now without any luck. please consider removing this account from my name as I did not incur these charges
I challenge the adverse account designation of Santandar and its predecessor, XXXX XXXX XXXX, on the basis that it is inaccurate, incomplete and reflects a debt that is not mine and that payment accommodations were made but not actuated by XXXX. XXXX violated its agreement regarding payment on all matters which are at issue. Payment was available when scheduled but XXXX transferred the account to SANTANDAR, resulting in untimely and inaccurate accounting and taking of payments from my account. This adverse account must be removed from my credit report. Credit reporting is inaccurate and incomplete. 

BackgroundDuring these periods I had to change my bank account because I found that an online company had compromised my account by taking funds to which it was not authorized. A new account was obtained only to find that the bank transferred the bad and unauthorized payee to the new account. This caused problems in late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had called XXXX and was informed that they were transferring the account to SANTANDER CONSUMER USA and that their computer system had problems in the transfer during the months of XXXX, XXXX and XX/XX/XXXX. 

XXXX indicated that the payment arrangements I had and made to preclude any problems would be acceptable, however, that was not the case or actuality of theiractions. Accommodations were made for timely payment but not fully instituted when XXXX transferred their accounting files to their new partner, SANTANDER. 


SANTANDER CONSUMER USA ( Herein " SAN '' ) took over the account of XXXX overseas and with the transfer came a host of problems. New rules and dates for payment were instituted which were not conducive to my payment schedule. I provided for extra funds to be in my account to accommodate the transfer of account by SAN from XXXX. Problems occurred when unauthorized and untimely electronic withdrawals were taken without my consent, as they were not scheduled deposits I had arranged and agreed to. 

These unauthorized and untimely payments were taken on the following dates:XX/XX/XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX
Good Afternoon, I was shocked when I reviewed my credit report and found late payments reported on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I still went ahead and made the payment as shown on the receipt attached, however there still discrepancies shown on my credit report the way it's reporting such as with the wrong balance, wrong date of last activities, etc. There are several and multiple inaccuracies reporting on my credit report with this account. Due to these multiple violations on the way, it's reporting, I'm asking that this account be updated and paid as agreed never late or completely removed from my credit file. Please see the settlement offer shown attached!
AFNI contacted me saying that I supposedly owed a debt. 

Then another collection agency under the name of XXXX contacted me also saying that I owed them the debt. So basically they are trying to double collect. 

A few days ago I filed a complaint against XXXX and they said that the debt was completely removed and that they will not pursue it. 

AFNI never verified the debt and they are still showing up on my credit report? 

I sent them a few letters and they never validated the " so-called '' debt. 

I need them to remove themselves from my credit report and am asking for punitive damages for willfully neglecting to verify the debt.
I created a CitiGold bank account with Citi bank, I was told by several representatives that I would be receiving XXXX XXXX miles after signing up, using their bill pay system, and spending {$1000.00} on my debit card - I completed those goals and was told again that I would be receiving the miles. 

Now after still not receiving them I am told that I was not qualified for the bonus in the first place. I have saved the records of the conversations with representatives telling me that I was enrolled in the bonus program.
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department '' ( please see attached Credit Report excerpt ).
This company keeps harassing me in regards to a debt that I do not owe. I have sent out a letter of validation to the XX/XX/XXXX. I have no contract with this company. The account that they are reporting was charged off in XX/XX/XXXX. I would like the collections account on my credit report from XXXX XXXX XXXX, XXXX to be deleted due to false information. I paid the original creditor " Capital One '' the remaining balance before it was sold to XXXX XXXX XXXX XXXX. 

account number:XXXX
I have filed several complaints with cfpb in regards to this creditor this acct was supposed to be a settlement in full yet they are still reporting delinquent acct on at least two credit reporting agencies my next step is legal action also this acct is stating as a charge off how is that possible when I several letters of proof of settlement and my car title
XXXX XXXX is reporting a late payment ( over 60 days ) amount {$140.00}. I moved from XXXX XXXX County to XXXX County. I went in person 3 times to the XXXX XXXX branch located on XXXX XXXX XXXX, XXXX XXXX, FL XXXX and updated my information. I had paid my card in full and never received any statement or phone call from the bank advising that there was an outstanding balance. I was able to confirm with XXXX XXXX that they had returned mail in my account and I was advised that my case will be reviewed. I was finally advised that there were no errors on the bank 's side that is why the late payment would stay as reported. 
My credit is been affected with this late payment report. I am not disputing at this time what those {$140.00} charges stand for. I just tried to friendly resolve this issue without any success. I never enrolled in paperless statement so I think I was entitle to a monthly statement and or at least a phone call from XXXX XXXX before they reported me.
I received a notice from DeVille Asset Management LTD in XXXX, XXXX on XXXX XXXX XXXX. It stated that I owe over {$20000.00}, I could receive XXXX % off by settling for over {$13000.00}. I mailed a reply letter dated XXXX XXXX stating the debt was a credit card debt that was over 7 years old which I believed to be past the statute of limitations according to information on www.consumer.ftc.gov 's site, along with a listing by State on XXXX 's site. I have attached that letter, my response letter with pay confirmation, a call log, and copy of XXXX emails over a 6 day period. DeVille 's last email communication with me today states a different date they consider to be the official delinquent date of the debt but that date still makes the debt XXXX and XXXX half years old, still past the statute of limitations, to my understanding it is termed a " time barred '' debt, 4 years in the State of XXXX where I resided when I could no longer pay in XXXX due to job loss. Additionally, I came back from XXXX XXXX last year after living and serving there as a XXXX for 7 years. I am starting over from scratch, I have only been working since last XX/XX/XXXX and I provided a copy of my latest payroll to help identify my financial circumstances. I am in the process of applying for subsidized housing and food assistance in order to live. I do n't own a car, house or anything else of lucrative value. I do n't even have any furniture right now. I 'm temporarily borrowing a friends car to get to work. However Deville cites in the last email they will " proceed as fit ''. Creating more financial burden unnecessarily, putting time, effort and money into pursuing this makes no sense. Please see the attached communications which clarify in date order. I do not agree with DeVille 's assessment with my ability to pay the debt based on my credit score, ignoring my circumstances and that it is a time barred debt. Thank you for your time in this matter.
Bank Of America credit card web page allows recurring payments for a set dollar amount, but they do not offer any mechanism to pay the full statement balance in full automatically. You can pay a certain amount each month. You can pay a XXXX time payment of any amount. However, when you go to the XXXX payment page they do not show you the full balance, you have to remember it. 
When you try to use their Contact Us function on their web page and select email, you must select XXXX of XXXX topics under the credit card option. The XXXX options are statement copy or financial hardship. Unless you select XXXX of those, you cannot complete the rest of the form. They have set up their system to make it difficult for people to avoid paying interest and late fees. This is an intentional mechanism to increase their fee revenue as well as their interest revenue and must change. They are XXXX the largest card issuers in the country and every other card company I use offers a "Pay Statement Balance in Full" option on their recurring payments. This should be considered consumer fraud.
I applied for a loan. They declined the loan based on the numbers I provided, which they have every right to do. However, they did n't tell me they had made that decision. Instead they did n't tell me they had made a decision, and asked me to send them a lot of financial information. These requests would be okay if they were still deciding, but once the decision had been made, it should have stopped. These requests continued for 2 days after they had already decided, and they refused to explain this to me when I asked about it after.
In XX/XX/XXXX I had a credit report run for a personal loan. A USAA account showed up on my credit report with a transaction amount of {$76.00} that was placed on this credit card account on XX/XX/XXXX. The account was subsequently noted as late and sent to collections. USAA has since closed the account. I had no knowledge of this account and/or the charge made in XX/XX/XXXX. The charge was also made in XXXX. I have been living in XXXX since XX/XX/XXXX. 

I contacted USAA and was informed that the account was opened in XXXX but no charges were ever posted to the account until XXXX. USAA was sending all information on this account to an address in XXXX so I had no knowledge of what was happening until a year later. 

I have contacted USAA at least 3 times and have been provided with varied information about how to handle the case. I wrote a letter to them and did receive 2 letters dated XX/XX/XXXX that the disputed charge may be unauthorized or fraudulent. One of letters stated, " we ' re transferring the matter to our Fraud department for continued investigation. '' I have not had any response in writing from them since. 

I called in XX/XX/XXXX and was told by a woman named " XXXX '' that nobody had investigated my account. She proceeded to inform me that I needed to file a police report in order for USAA to resolve this matter.
I owed Ally Bank fees for excess mileage at the end of my lease. Ally issued my final statement o n  XX/XX/XXXX which was paid by me on  XX/XX/XXXX  Since  XX/XX/XXXX  Ally has called me or my family members constantly. I or another family  member have informed Ally on multiple occasions that this debt has been taken care of but they continue to call and harass and insist the debt has not been paid despite my having confirmation numbers and bank statements to corroborate this.
I am going to financial difficulties. I have lost my lender, Wells Fargo Bank, to modify my loan under the Hamp program. I have submitted my documentation several times yet have not gotten any results. My loan originated with world savings bank which was later acquired by Wachovia and transfers to Wells Fargo Bank. This loan is adjustable-rate mortgage PICK-A-PAYMENT type loan. my payment changes all the time and I 'm having a really difficult time keeping up with such a high mortgage. I find myself often falling behind and most certainly falling behind on property taxes. I know I am eligible for the government 's Hamp program. However I am not getting any help. Please help me with this.