WillisBack/dataset-financial-user-claim huggingface dataset:
You closed my account because you found it to be beyond the statutes of limitation. However, in XXXX you filed a form XXXX with the IRS for XXXX income in the amount of XXXX You should notify the IRS that you opened the account incorrectly, closed it due to an error in filing it, and filed the form XXXX in error. Thus far this has cost me close to {$2000.00} in payments and interest to the state and fed government. The money is being deducted from my refunds, taken from my bank account and now my social security is being threatened. I live on a fixed income and can not afford to lose any more of my hard earned money. 

This was never my account. It was opened in my name by a thug
Portfolio recovery and this writer settled this account in the beginning of XX/XX/2018 however on the XX/XX/XXXX I received notification from them and credit reporting agency that there is a remaining balance. This account has been satisfied the collector received payment and is now reporting an entirely different amount owed on my credit report
I had an XXXX XXXX credit card with Costco. In XX/XX/2016 Costco switched its card program to being offered by Citibank. At that time I had a {$140.00} balance on my XXXX XXXX card. When I went to pay off that amount online, in XX/XX/XXXX, I found that I could no longer access that account. I opened an account with Citi to continue my patronage of Costco. I was unable to figure out where my XXXX XXXX account went. When trying to contact Citibank I could n't get past their automated phones without providing an account number. In XX/XX/XXXX, I finally received a statement from Citibank letting me know that my account is 5 months without a payment and that it has been sent to collections. At that point the statement had the last XXXX digits of the elusive account on it, and I was able to successfully call and address my account. At that point I explained my story to the customer service lady and paid the {$140.00} balance that carried over from my XXXX. She told me that she would take care of all of the late fees and interest that had accrued, and that I did n't need to worry about the card anymore. Later that month I received another statement that said I still had {$70.00} of interest on my card. I called to address the issue, and ended up having to pay the interest in order to take care of the card and make sure there were no further late payment issues. I talked to Citibank about being able to dispute the account so that it would n't affect my credit, but the customer service rep said that Citibank ca n't do that and it is automatic. I also checked to try to find the reason Citibank did n't contact me for so long, and the email address they had on file was n't any of the email addresses that I own. Apparently it was just a collection of symbols that XXXX gave them for my email address, which is interesting because I had opted out of paper statements with XXXX, and email was my primary form of communication with them. Apparently either XXXX or Citibank had a database issue when transferring my info.
It was a credit card my wife had in XXXX with Chase Bank before marriage and it was discharged in XXXX before marriage. My name was never on the credit card nor was I a guarantor. This debt collector brought the debt and say I now owe it. I do not know how this debt collector got my social security number and have filed a judgement under my name directly. They filed court papers as Community Property, but then under the Judgement Information Statement it did not state Community, it listed my name only. This has really burden me because it went on my credit report and cause me not to be able to refinance. I had n't check my credit report in a long time so did not realize this was in my name. I have disputed it with the credit bureaus and they have deleted it off my credit report. I have called this debt collector to get a release of judgement from my name and my property and XXXX said no. I asked him how to get this out of my name and the lien off my property and he laughed and said " you want me to tell you how to not pay me ''.
AAMS ACCOUNT NUMBER XXXX BALANCE OF XXXX THIS DEBT IS NOT MINE. I DONT OWE AAMS ANYTHING
This complaint is in reference to the Exeter Finance Account Number : XXXX entry which is being reflected on my XXXX and XXXX  credit report. I have contacted Exeter Finance several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of this listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims actions. In the abscence of any such documentation I formally request that this information be immediately deleted from my credit file.
Bank of America has not legally complied, to complete a FHA short sale, on property located at XXXX XXXX XXXX XXXX, XXXX, Massachusetts XXXX. XXXX, my XXXX customer service representative, who has helped me for the last year, is suddenly unavailable, she has essentially disappeared, just like the previous XXXX. Neither the short sale specialist, XXXX XXXX, XXXX XXXX can find XXXX even though we had spoken about every week or XXXX for the last year. 
The buyer for the short sale has increased his offer to be compliant with FHA requests and Or conditions, the judgment on the property has been removed. XXXX XXXX XXXX and XXXX XXXX, have worked tirelessly, to move forward with the sale. 
Most recently, Bank of America, sent me a document, which states, '' My home loan will be services by XXXX XXXX. This letter was received days ago, though dated on XXXX XXXX. 
Further, I maintain, the conditions have been met, per request of the Loan serviced and or FHA, I, by and through my attorney and realtor, have been professional, and followed through on each request, to allow this short sale. 
I am XXXX, with XXXX XXXX, am elderly, and the actions over of present and the past XXXX years of Bank of America have caused me harm. 
I respectfully ask for your help, and any and all sanctions, be brought against Bank of America XXXX XXXX XXXX
I paid my Macy 's credit card in full on XXXX XXXX, 2016. I also closed my account, requested and received a letter confirming this. On my XXXX 2016 statement, they showed my payment in full zeroing out the account, but they then assessed a finance charge of e of {$13.00}. On the XXXX XXXX statement, they assessed another {$2.00} fee, now totaling charges of {$15.00}. On the XXXX 2016 statement, they charged a {$17.00} fee, bringing the total to {$33.00}. I called on XXXX XXXX and asked that the total charges of {$33.00} be removed and a zero balance letter be sent to me. She assured me my balance was {$0.00}, and I received a copy of the zero letter. I checked my account on XXXX XXXX, 2016, and I still have a balance of {$19.00}. I called XXXX XXXX and was told they would remove the {$19.00} to zero out my account. I received the employee 's id # and name. I forgot to mention that they had a credit collection agency call and try to collect this amount from me. I have never had a collection agency call me, and I was very upset about this. I believe this is very poor customer service. I paid off several other accounts when I paid Macy 's off, and had no problems. I cancelled this card because of the poor customer service.
Navient has made it hard to repay my loans due to the large re payment amount. When calling to get a better repayment schedule none available. Which is why Im force to postpone payment due to forebearance. Their has to be a better system in place.
An electronic payment of {$140.00} was made to my XXXX account. This payment was sent by mistake to Synchroncy Bank address XXXX XXXX XXXX, XXXX FL, XXXX when it should have gone to XXXX XXXX. The payment was sent XXXX XXXX, 2015 and received XXXX XXXX, 2015. The next month I received a bill from XXXX saying my account was overdue. My XXXX XXXX gave me proof of the payment with a trace number. When this not resolve the issue XXXX XXXX of XXXX XXXX ( XXXX sent around 90 minutes on the phone trying to resolve the issue with no success. After numerous calls to XXXX XXXX, XXXX XXXX XXXX ( XXXX ) arranged a conference call with Synchroncy Bank. At that time we were told there was no way Synchroncy Bank could trace the payment. We were unable to talk to a supervisor even though this was requested. Both XXXX XXXX and XXXX XXXX told me that any bank can check on deposits and they were shocked at the responce we received. Later XXXX sent a Good Faith Letter to Synchroncy Bank verifying that the payment had been made and received. I ended up paying XXXX XXXX {$140.00} to keep my account from being sent to collections.
My bank, Capital One, has been preventing my data from being used by financial services apps. Its prohibited me from creating online account that help me save money through non-traditional savings account means. The problems started occurring maybe about 2 months ago and Capital One has yet to fix it.
On XX/XX/XXXX we contracted XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and repair our basement and garage floors and walls for {$29000.00}. On XX/XX/XXXX we applied for financing with Greensky LLC XXXX XXXX XXXX, XXXX GA. The project not being completed XXXX XXXX XXXX XXXX XXXX collected {$26000.00} from GreenskyLLC with out authorization from XXXX XXXX. We had other means of payment in place at this time, also the contract price was reduced to {$24000.00} by XXXX XXXX of inconvenience of job not being completed properly and was not mostly corrected in XX/XX/XXXX and was refused servicing after we found a wet floor in the garage XXXX and XX/XX/XXXX.
My Name is XXXX XXXX, XXXX of XXXX XXXX who passed away. ( My Father ) The property in reference here is XXXX XXXX XXXX in XXXX XXXX, CA. My Father had this on a reverse mortgage but the home was also under water. Our agent XXXX XXXX XXXX XXXX ) XXXX with XXXX XXXX XXXX fought for over a year to negotiate with Wells Fargo Reverse mortgage to approve the short sale. Did is also a probate sale in which the court is really pushing us to close. We got approval on XXXX XXXX 2015 with a deadline to close by XXXX XXXX 2015. Everything was going well until XXXX of the buyers got ill and ended up XXXX. During this period there was nothing we could do, nor his lender. He was XXXX and i do n't possibly know a way we can make hime sign, or summit documents in that condition. This is clearly something that was out of our hands. We reach out to Wells Fargo to explain to them the situation and they refuse to work with us. The processor clearly told us that if we do not close by XXXX XXXX. The deal will be drop and property will face foreclosure. They said their hands were tied and nothing they could do because this was a HUD guideline not theirs. How is this possible? we work so hard to finally get this deal here and how is it that we could not get 3-4 extra days to close when the buyers was submitted to the hospital. How is it that there is no exception for something like this? This was out of our hands and by anyway not a delay to close the file, it was an emergency the buyer went through. We are very upset because the files was drop and they are making us re-sudmit everything again so they can now approve us for the short sale. The whole experience with Wells Fargo was a nightmare, from them losing documents, to changing terms last minute, to approving XXXX thing and then changing it. How are they still able to operate. This is so unfair, we are only trying to make this right and it feels like they do n't care and all they want is to insure we lose. The buyer is out of the hospital and is devoted that the house he was only 3 days away from having has now been taken away over some policy that makes no sense. No supervisor, no manager could help. They all said there was nothing they can do. We want this deal close and we want to make sure they comply with that. As consumers i feel we are taken advantage. How is it that they benefit from turning down this deal from closing due to a 3 day delay?? would n't it make more sense for them to get pay and get this over with it?? 

I really hope you can help, my family is devastated by this. We can get over how they can just screw like this. We fought so hard to make this happen and now they just cancel the file over something we had no control.
I am on income driven repayment plan, and is set for autopay. During this period I would make excess payment hoping it will be applied to my principal, but instead my provider kept on pushing the due date. Right now I am on paid ahead status according to them. When this came to my attention I tried contacting themseveral times through email requesting them to reallocate my excess payment to my principal with the highest interest instead of pushing my due date. They wo n't do it stating the payment has already been applied even though I do n't see any changes on my principal. I want CFPB help me resolve this issue. I feel I have the right to make the decision where my money is applied. Great lakes is my provider
The accounts XXXX XXXX XXXX and XXXX XXXX were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
I'm disputing a debt because I do not owe it to the client. This debt has been paid. I submitted the payment of the amount of {$310.00} by phone on XX/XX/2018 as usual. I received a confirmation email from customer service the day XXXX submitted the payment ( which I still have in my possession. ) To my surprise, a few weeks later, I received a letter from a collection agency. I was confused and called them. They told me that the payment didn't go through. No one informed me, no one emailed. My payments always have gone through. I don't understand why this one didn't. Now I have been penalized with interest and late fees, just because someone in customer service failed to inform me about it. Shame! Unacceptable!
The account listed as an open collections account listed under XXXX in the amount of {$860.00} is incorrect. This account should have never been placed in collections to start with. Also, it was disputed in XXXX/XXXX 2014 and to be removed at that time. As you can clearly see from the attached documentation, I do not, nor have I ever owed this money. My health insurance plan at the time offered a {$1000.00} XXXX discount with XXXX XXXX XXXX ( original creditor ). This left me a balance of {$320.00}. I was told by XXXX that I only needed to pay {$300.00}. My cancelled check is attached as well. Please remove this account from my credit report.
This phone number has made numerous calls to a phone number that is not and never has been registered to my name. They have on multiple occasions left my personal details on an answering machine that is not mine.
Never received notification of this " collection '' until it was placed on my credit. I dont know what this is and have never owed anyone anything. A dunning or validation notice was never sent and i have never had any dealings with CONSERVE.
1. ) XXXX XXXX {$720.00} contacted agency several times.
2. ) EOS CCA ( XXXX XXXX XXXX ) {$380.00} This was not my account. I never had service with them 3. ) XXXX XXXX XXXX 4. ) XXXX  5. ) XXXX 6. ) XXXX XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX 9. ) XXXX XXXX 10. ) XXXX 11 ) XXXX XXXX XXXX XXXX XXXX 12. ) XXXX XXXX XXXX XXXX 13. ) XXXX XXXX XXXX -paid off 14 ) XXXX XXXX XXXX 15 ) XXXX XXXX XXXX 16. ) XXXX 17. ) XXXX XXXX # 18 ) XXXX XXXX XXXX XXXX 19. ) XXXX 20. ) XXXX XXXX XXXX XXXX XXXX 21. ) XXXX XXXX 22. ) XXXX XXXX XXXX 23. ) XXXX XXXX XXXX 24. ) XXXX XXXX XXXX XXXX 25. ) XXXX XXXX 26. ) XXXX XXXX XXXX 27 ) XXXX 28 ) XXXX XXXX XXXX XXXX XXXX  29 ) XXXX 30 ) XXXX 31 ) XXXX XXXX  32 ) XXXX XXXX XXXX 33 ) XXXX XXXX XXXXE 34 )
The following unauthorized inquiries appear on my respective credit reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Once again..another problem with AES. Last month their system said I didn't make a payment and that I did not have a Direct Debit set up. Now this month I get notification that my payment is now two days past due and that NO direct debit is set up. I called AES and got a very snippy representative that said I received a letter. Note that two months ago, I asked that I receive hard copy mail and not electronic ( another FAIL by the lender ) as I note that I do have a letter from them canceling my direct debit. HOWEVER, they blame this on my personal bank. I spoke with my bank about this and they said they did not advise AES that it was not able to process the direct debit. 
I want my loans sold IMMEDIATELY to another lender who is responsible. 
I am asking CFPB to please take care of this. I am sick of this XXXX.
On XX/XX/XXXX my father was going to pay off my credit card as a birthday present.when he logged into my online account to make the payment. He accidentally made it from my old bank account instead of his. I made several attempts to have this account removed from my log in but was told it had to stay on file.when I realized what happened I called in that same day on the XXXX to reverse the payment. The associate I talked to told me it was no need to reverse the payment. She told me when the payment was returned just have him make another payment. The payment was n't returned in till the XX/XX/XXXX I called in today to make the right payment and was told my account was closed because if the initial returned payment. When I spoke with a supervisor today on the XX/XX/XXXX I  was told there was nothing they could do to reopen my account. I would have to just reapply. This issue is not only going to negatively effect my credit it was bring my score down even more when I reapply. Which is ridiculous the original associate from the XXXX should have reversed the payment like I requested instead of telling me not to worry about about. I have had this account for almost two years I have never been late or missed a payment and now its closed due yo an associate misinforming information and not doing what I requested
Synchrony Bank did not honor its commitment to issue credit for a ONE_DAY late fee of {$25.00} in XXXX 2015. The promised credit was deducted from the payment and Synchrony charged an additional late fee and continues to charge additional late fees. I do not acknowledge the late fees and have tried, in good faith, on several occasions to get Synchrony to credit them off XXXX now {$240.00} XXXX. They refuse to do anything but bully me with their canned responses, incompetent personnel and it 's " my-way-or-no-way '' attitude. 
I have continued to make my regular monthly payment on my Sam 's card and will do so. 
I like to shop at Sam 's, but am denied this experience because Synchrony Bank 's " system '' is designed to strangle trade for their client 's customers!! 
I intend to inform Sam 's Club Investor 's Committee of this situation also. 
I realize to Sam 's and Synchrony this is a very trivial matter, but to me it 's a biggie, morally and economically. 
Any help from the CFPB is deeply appreciated.
I was a victim of Transunion glitch where they deleted a bunch of inquiries from credit reports, but didn't follow the law when they reinserted those back to my credit report.

In section 611 of the fair credit reporting act it states that anything deleted from your credit report and is later reinserted they must notify you by mail and they did not do so. I would therefore like all of inquiries removed.

Customer service would not take care of it for me. Listed below are the inquiries in question. XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXXXXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX  : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXXXXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiryXX/XX/XXXX XXXX   : Date of inquiry XX/XX/XXXXXXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX
My mortgage is with XXXX. In XXXX, I requested return of my escrow, as XXXX did not pay my real estate taxes. I notified XXXX that I would no longer make escrow payments, as I have paid the real estate taxes and insurance on my own. 

XXXX will not return my escrow and have transferred money paid for principle and interest to other things. The result is an escrow account with no activity and money held in suspense. 

I submitted to Experian copies of my cleared checks which match to my scenario but not to what XXXX has reported. They do not accept my documentation. 

In addition, the phone number provided by Experian for XXXX is incorrect. This is a scam. I can mail the information, but I am not capable of uploading the documents
First, the company changed it's name and reporting my account beyond the 7 years.

Second, have several accounts with remarks as closed unauthorized.

Duplicate accounts reported.
An unauthorized hard credit Inquiry was made by XXXX on XX/XX/XXXX and reflected on my Trans Union credit report. I asked XXXX in writing to stop making unauthorized credit inquiries in my name ( e.g. XX/XX/XXXX and XX/XX/XXXX ) but appears they continue to do so. I even filed an Initial Security Alert on XX/XX/XXXX valid for 90 days and was shocked XXXX did an inquiry again. I need XXXX to stop doing this because it effects my credit score.
I currently am in posession of a Capital One Visa Card, I was given a promotional rate at some point and month after month I could not find on my statement when the promotional rate expired. I got busy and forgot about it. I finally received something in the mail in XXXX that alerted me it would expire in XXXX. I began doing research on other cards in hopes of transferring the balance for a lower or 0 % rate. I was able to find XXXX, unfortunately another Capital One card but XXXX not XXXX. The main screen I used to compare did not reference any limitations on balance transfers, nor on the information I received with my new card. I called Capital One and they told me to do a " search '' on their site for " balance transfers '', only then did it state you could not transfer to another Capital One card. I believe this is very deceptive in their advertising and while the information was available it was not in any of the disclosures I received or in the " compare '' screens. I am now left with a hefty APR and trying to find another card to transfer to. My complaint involves APR, Rate, Balance Transfer as well as Advertising and Marketing. While I have not valued what I will lose in interest charges yet, I do plan on coming to an amount that will be less than satisfying given 22 % on a balance of {$3000.00}.