WillisBack/dataset-financial-user-claim huggingface dataset:
I had XXXX XXXX Costco card from XXXX until XXXX XXXX XXXX, all these time my payment was on autopay and made all the payments on time without fail. Costco informed me that XXXX XXXX XXXX onwards XXXX will be the official credit card of Costco and XXXX wo n't work after XXXX XXXX XXXX. On XXXX XXXX XXXX my XXXX stopped working and I started using XXXX for Costco purchases. On XXXX XXXX XXXX Citi bank sent me a statement which also includes the purchase I made using XXXX card with an interest due amount of {$34.00}. Since I had XXXX on autopay I was not worried about paying XXXX manually. Also, being used Citi for only 17 days I was not expecting any late payment issues. 

So here my question is why Citi bank charge for the interest? There is no right for citi to charge me any interest.
I am unaware of this debt with Midland Funding LLC it says XXXX XXXX XXXX Acct. It shows {$910.00} balance due. This information is not known to me. I 'm not sure what company this is for. I feel as if my rights are being violated per the Federal Trade Commission Fair Debt Collection Practice Act Section 809 Validation of Debts. Consumer should be notified within 30 days of debt.
I have contacted kia finance 5 times. I kid you not 5 times. every time they say my payment has been added to the end of my loan but I need to sign paperwork. It has supposedly been mailed twice and faxed twice. Still have not received it. I am about to take a hit on my credit report because of this
O n  XX/XX/XXXX  I an d my husband went into  Wells Fargo B ank located at  XXXX   XXXX   XXXX .  XXXX   XXXX  Fl.  XXXX  we felt we were made a mockery and very much so Discriminated against, as we sat down at her desk i informed her of the type of loan we were inquiring about, which was a ( Unsecured Personal Line Of Credit ), which then she suggested for me to apply for only {$5000.00} Dollars and she stated that that type of loan highest limit was for only {$25000.00} Dollars, so my husband went o n Wells Fargo Bank website on his phone then showed her that the loan has a Minimal of {$3000.00} Dollars and the Maximu m was for {$100000.00} Dollars then she said oh I did n't know that, so she says how much would you like to apply for, in return i told her for {$100000.00} Dollars. So she laughed at us, so when she finished laughing at my reply for {$100000.00} Dollars, my husband ask her what was so funny about the amount my wife mentioned, she in return says I 'm not laughing at you, im laughing with you, which i nor my husband was laughing or found anything to be funny Concerning the amount I applied for. After that As she processed the loan we fouund her to be very Discouraging with certain things she was saying about how I did n't have enough money in my account at the time, and i need to try for a lower amount and that I needed to make at least {$8000.00} Dollars a month in order to be approved for this type of loan. So she submitted the loan and it was Denied Instantly. so i ask her why was i Denied and she said because of my income debt to ratio was 74 % and she told me that I would get a letter in the mail, so the next day I called the Cred it Bureau (  XXXX  ) to see w hy my income debt to ratio was so high, when she calculated a 2 % income debt to ratio when she was processing the loan application.  XXXX  informed me that my credit report was up to date with the right information and that the same credit report that i have, is what 's in there system aswell. So i call ed Wells Fargo  Bank loan Department on  XX/XX/XXXX  to ask why was i denied the day before in the branch, and they said because of my account was not old enough when I specifically inform her when she was processing the loan application that I had my account every since  XXXX . I still dont know what information she put on my application, and at this point I really dont know what or who to believe. So  Wells Fargo Loan Department informed me that they will resubmit the loan Application, and I did file a complaint with Wells Fargo Bank concerning this incident & her behavior towards us.
For maybe more than 20 years trans union has been reporting and gathering wrong information on me which has affected my credit score and report. They were reporting my name as XXXX XXXX XXXX and My name is XXXX XXXX XXXX Also they have been reporting my birth date as XX/XX/XXXXand my birth date is XX/XX/XXXX. This has resulted in bad information gathered. The other two credit bureaus have my credit scores ranging from XXXX to XXXX at different times and transition stays from XXXX - XXXX. I have complained and ask them t fully investigate how the wrong information mah have hindered my score and ruined my life stopping me from lower payments, credit cards and many better things. They changed the information but nothing else not even an apology and my right score.
M & t bank customer service Claims a credit card can not be issued without a chip. The card is constantly denied! Poor customer service with XXXX, XXXX and XXXX. Refused give me the president!
- Continuous harassment - Threats of repossession for a paid for vehicle - Ignored a certified letter requesting XXXX to cease communication - Sent false information to all credit bureaus ; Sent negative information to a credit bureau before sending a bill for that debt - Refuse to correct false information after it become aware of their mistake and have acknowledged their error. 
- Never able to clearly state what was being charged, and why ; never provided a written consistent bill - Refused to deliver a title for a vehicle that is paid for since XX/XX/2010 - Still reports an account as " charged off '' when it has been paid in full for years.
A prepayment large fee was charged Did not give us the 5 days notice this was happening. Had no knowledge at the original time of the loan this existed
XXXXXXXX XXXX 5 mile trip from home to hospital. Paid {$260.00} by XXXX XXXX  checking to ambulance co, XX/XX/XXXX, and then paid {$46.00}XX/XX/XXXX. 
Received letter from collection agency saying the ambulance co had agreed to accept {$310.00} as payment in full, if received by XX/XX/XXXX. Both checks were received and cashed by the ambulance co prior to XX/XX/XXXX. I have bank records, and copies of cancelled checks, and a copy of the letter stating the total balance is/ was {$310.00}. 
Please help
On XX/XX/2018, I sent a letter to Equifax ; asking them to investigate errors on my credit profile. They were supposed to respond within 30 days but they have not.
I have repeatedly disputed identity theft accounts on my credit bureau with Experian. I completed an identity theft affidavit along with a Police Report and sent it to Experian. When I called to find out why the items have n't been removed, I was told that I am no longer eligible to dispute incorrect items on my credit report and Experian would not be removing these items. I have asked for proof of verification and have not received it. There are currently XXXX items which do not belong to me on my credit report and they are damaging my credit. I have contacted the creditors and they do n't have any accounts for me. How is it possible for Experian to damage a consumer 's credit without proof.
XXXX XXXX is reporting an acct on my Experian that I never owned. They site XXXX XXXX as the original creditor, but XXXX XXXX has verified that thy have no record of any accounts for me. I have never had an account with XXXX XXXX. I filed a police report for fraud and provided it to XXXX XXXX, but they still refuse to remove the account from my credit file. The date of the XXXX XXXX account is XXXX 2016, {$3200.00}.
Wakefield and Associates has a previously written off Ambulance and Emergency room bill dating back to XX/XX/XXXX. When I no longer had medical insurance coverage. I was deemed XXXX shortly afterwards and received MEDICAID and XXXX.

Several companies are trying to collect on the two outstanding amounts. Even though both have been written off and my credit suffers because of this.

XX/XX/XXXX I was again contacted. Corrected again my address of five past years, not the address Wakefield had. But I have no reason to be anything but helpful. I spent over 30 minutes agreeing to 20 % of the total she was requesting. Break it down into 3 payments. Send me the invoice. Fax it. I even shared, I am having XXXX tomorrow ( true story )! And I dont want to leave things to my family to worry about. Several days after XXXX. I was contacted. Just like we never spoke. Old address still being referenced. I maybe poor at this juncture in my life. But I am not XXXX. I am recovering from XXXX. Looking at XXXX and XXXX. My problem. Yes. Wakefield and associates. No. I cant believe how people can get away with this game.
I received a letter in the mail saying my address had been changed. I have never contacted CapitalOne to change my address. The new address listed is not correct. I have had the same address since I became an XXXX XXXX customer *18* years ago.
I submitted a disputed in reference to XXXX. I never applied for a loan with this company and I wanted it removed from my credit report. Trans Union went through their 30 day process and came back with nothing. They stated they included new information on my credit report, the new information was they lowered my credit score because they are a main resourse for XXXX.
I took out a loan in the amount of {$600.00} with Big Picture loans. At the time I accepted this agreement, the disclosure was not visible. I was not informed of the 989.6999 % APR rate until after the agreement was signed. I was told that there would be a finance charge of {$210.00} making the total pay off amount {$810.00} not {$4200.00}. I was unable to view the disclosure until after the loan had been processed and funds were delivered to my account. To this date, XXXX/XXXX/2016 I have paid them a total of {$840.00} and my account still shows that I owe them {$810.00}. I was informed by Big Picture that all of my payments went to finance charges reminding you that they informed me that the total payoff was {$810.00} including the {$210.00} in finance fees. 

Big Picture Loans XXXX XXXX XXXX XXXX, MI XXXX
XXXX XXXX scammed me charging me to get me a modification. I spent over 2 years sending them my financials. All they had me do was file bankruptsy. Finally I felt like something was wrong because I never received a review or solution. He told me to never call the bank and they would handle everything. I finally got my daughter involved and she found out through the bank ( XXXX XXXX XXXX ) they never received documents to review. WE submitted a full financial package immediately directly to the bank-XXXX XXXX XXXX and since then the bank as neglected to deem complete even though they say they have it in the system. The last missing document they requested before due date of XX/XX/XXXX has been in there system since XX/XX/XXXX and they have failed to acknowledge it nor even notifiy of any further new requested items. several agents say yes its there what they requested but no one has deemed it complete for over a week causing this to be way over violation of CFPB. Now a sale date is scheduled and the bank has not requested to suspend or cancel knowing we have a full financial package for modification review in their system!!! I have been sending docs and speaking with agents directly on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX with 3 collection supervisors because they refuse to xfer to anyone in loss mitigation and advised they do see where its odd its been sitting with a processor for over a week and should of been to an underwriter so far, XX/XX/XXXX with 2 other collection supervisors one of them named XXXX who refused to connect me with a loss mit team lead and said the single point of contact wasn't available and no back up is set in place. XX/XX/XXXX still no single point of contact response or connection to loss mit. Sale is still on for XX/XX/XXXX.Loan care has taken several weeks to even acknowedlge the intitial package to begin with and then constantly state to me that the bank has 60 days to review financial documents?? I understand they have to review it within 5 days max. Once I was told the bank has 2 full weeks to review a financial document that comes in. Loan Care has never been consistent in the processes, stages, turn around times and access to a loss mit agen at ANY point. Complete neglect of my mortgage handling.
I already paid this account. They paid it to another collection company. I had already disputed it and they did n't remove it. I want it removed. I also have proof of it stating that it is paid.
XXXX XXXX did n't replying in a timely manner to my initial letter on XXXX, or have they to date after 4 certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in a small claims action against their company in XXXX XXXX. As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month. I also am have a pending lawsuit against XXXX, Experian & XXXX for not investigating nor responding to me as well, and taking no action when XXXX XXXX did not reply.
I 'm a victim of identify theft. A person has tried twice to open a Capital One credit card once in   XXXX   2017 and another in   XXXX   2017. Both times  XXXX  contacted me and we had calls with Capital One and identified as fraudulent. Capital One stopped the issuance of credit in both instances. They also removed the hard inquires on my credit reports for   XXXX    2017, but for  XXXX  2017 they missed  XXXX . I have written twice to Capital One 's fraud department explaining about the fraud and they missed the hard inquiry with   XXXX   and both times they keep sending the same letter about three kinds of inquires. Pre-screening inquires, Account management inquires, and Standard inquires. Nothing to do with my issue. They are not bothering to read my letters. Because of this hard inquire it can lower my credit score.
We were offered a trial plan by Caliber Home Loans and we messed up the date of the last payment and because of that they said we are ineligible, they call it trial plan default. So they sent us a letter saying we could re-apply meaning start the process over again and we had until   XXXX   XXXX   XXXX  .
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So last weekend Memorial Day Weekend, when we could not talk to anyone until Tues.   XXXX   XXXX   XXXX  , we received several letters from   XXXX   XXXX   in  XXXX  , MA   XXXX   telling us that our house will be auctioned off for sale on o r after    XXXX   XXXX   XXXX  . The phone number for  XXXX  is   XXXX   the fax number is  XXXX .
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In the meantime we met with our HUD Counselor and re submitted all our forms back to Caliber Home Loans to apply for loan modification all over again. I am truly afraid we have no place to go.
Try to contact customer customer service would n't help at all to removing item or help better way to solve problems over charging amount
I put on credit freeze on my Transunion account in XX/XX/XXXX. 
They have removed the freeze without my consent on XX/XX/XXXX and have allowed mutiple credit inquires initiated by an identity thief since, which affected my credit score. 
I have put back the freeze on my account again on XX/XX/XXXX. However Transunion allowed furthur credit inquiries from a leasing office in LA initiated by an identity thief on XX/XX/XXXX. I called Transunion but a Transunion person says any leasing office can retrieve my credit score even though I put freeze on my Transunion account. That is their  exception policy. 
In short, my issues are 1. Transunion allowed someone to remove the freeze on my account without my consent.

2. Transunion allows any leasing office to retrieve my credit score even though my Transunion credit account is frozen.
My husband and I recently joined bank accounts. The Ally vehicle loan auto payment still came out of my husband 's old account on XX/XX/2018. The email thanked us for our payment of {$580.00}, so we assumed that we paid in full. The following day, XX/XX/2018, we received another email thanking us for our payment of {$570.00}. So, we received two emails stating that we were paid in full for the month of XX/XX/XXXX. It wasn't until over one month later, on XX/XX/2018, that another email was sent stating that our " vehicle payment scheduled for XX/XX/18 was returned. '' The old account that the auto payment drew from had insufficient funds because it was no longer in use, due to my husband being added to my account as a joint account. Now, my husband 's credit has taken a major hit because this was considered a 30-day late payment. However, Ally did not notify us of this until almost 6 weeks after the fact. Instead, we were told on two separate emails that we were paid in full. If we had been notified immediately, we could have paid this in full immediately, and our payment would never have been considered late. My husband and I have been paying on this vehicle loan through Ally for over 4 years now, and have never been late on a payment. 

Because we are in the midst of buying our first home, we need a letter from Ally stating that our account has been " paid as agreed. '' We close on this home on XX/XX/2018 -- in just one week. If we do not receive this letter, and give it to our Home Loan Officer immediately, we will not be able to go forward with the loan for this house, and will lose this opportunity. We have spoken to numerous Customer Service Specialists and they have now submitted our request twice, and have marked it " urgent '' twice. Every time we check the status, we are told it is still " pending '' and given no further answers. Ally failed to notify us of our late payment until 6 weeks after the fact, which is considered fraudulent behavior -- they never gave us the opportunity to correct their mistake. We requested on multiple occasions that Ally send us a formal letter, on their letter head, referencing our account #, stating that we are " paid as agreed '' by XX/XX/18 -- which they failed to do. This letter needed to be sent via fax to XXXX XXXX XXXX at XXXX XXXX XXXX. 

My husband and I have both been calling Ally separately for weeks now. He has called at least on 4 separate occasions. Due to a lack of help, I began calling -- I called on XX/XX/18 twice and they finally stated that someone from the Executive Customer Relations Department would be contacting us within 48 hours. I also faxed over a cover letter on XX/XX/18 stating the information listed above in addition to the emails we received. They did not contact us until XX/XX/18, and unfortunately we missed their call. I called back this same day and left a detailed message. My husband called yesterday, XX/XX/18 and left a detailed message. I called today, XX/XX/18, and left another detailed message, with no response.
i went to XXXX XXXX dealership and purchased a used car. i was approved by united auto credit co. immediately i had a problem with the brakes and i went back to the dealership and they corrected this problem shortly there after with in XXXX days of purchase the car engine blew. i immediately called the finance company and spoke with someone from the legal dept. that sent me over documents to sign off and back out of the loan completely due in part to not having received the title. subsequently i recently pulled my credit report and i see that its showing on there as delinquent and charged off
Altran Financial aka United Recovery Systems continually calls my cell phone number looking for XXXX XXXX. This number is new to me as of XX/XX/2015. They have stated multiple times that they will remove my number from their list but I still get calls. This has been going on for 6+ months.
I have demanded that my credit report information be validated or deleted as they are harming my ability to receive credit and /or causing me to have a poor credit score. I have demanded they update and remove all inquiries per not being authorized to check my credit report, as I only gave authorization to XXXX XXXX auto dealer to check, but they tried to farm it out to XXXX different banks causing XXXX different inquiries which I demanded be removed. I have demanded that they verify a account with XXXX XXXX, verify the alleged amount and the original contract as XXXX XXXX allegedly purchased the account from XXXX. They are also reporting very old information on accounts that were closed years ago. They are refusing to validate the information and accounts and are refusing to delete unverified accounts and causing me great harm in trying to obtain credit.
I would like to complain about the numerous phone calls from different numbers, at all times of the day. Including nonstop emails. In addition, I am even disputing the amount that they are saying I owe. I feel that I was taken advantage of, I signed my loan back in XXXX. I NEVER even completed the quarter. The college was FOR-PROFIT. Now my credit score is suffering. 

These people are harassing me, and trying to make me pay a debt that is way more than the initial amount, and for classes I never even finished. This is abuse! 

As of XX/XX/XXXX, my credit score has been damaged by this loan company. 
As of XX/XX/XXXX, I have blocked all of the numbers they have contacted me from. 

As of XX/XX/XXXX, I am looking to pursue legal action to protect myself from further damages.
I have lodged disputes with XXXX XXXX, First National Bank of Omaha, and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
I was received a letter from XXXX XXXX XXXX for XXXX XXXX of Maryland stating plaintiff : XXXX XXXX XXXX , XXXX has put in a motion for Default Judgment in the amount of {$130000.00} for a loan that I borrowed from XXXX XXXX XXXX on XX/XX/XXXX. for a single unit property located at XXXX XXXX XXXX XXXX , XXXX , Maryland XXXX. 

I believe I owe XXXX XXXX XXXX  none of this amount ( {$0.00} ) as I was a victim of subprime lending and part of the National Mortgage Settlement filed with the United States District Court for the District of Columbia in which Maryland was one of the states who alleged XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX. All of whom collectively state these banks violated the Unfair and Deceptive Acts and Practices laws of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. I also received a check from the XXXX XXXX XXXX on XX/XX/XXXX in the amount of : {$1400.00} as my portion of the amount of the lawsuit settlement. I am asking for your office 's assistance in helping me to resolve this matter with XXXX XXXX XXXX