WillisBack/dataset-financial-user-claim huggingface dataset:
Upon inquiry into my credit report I noticed that XXXX XXXX credit card reported a late payment in XX/XX/2018. I disputed this error with both Experian and XXXX XXXX. Experian made the dispute and contacted XXXX XXXX, XXXX XXXX would not change the late payment and I subsequently contacted them and they wrote back saying that they do not agree and that the late payment stands. 
I was never 30 days or more in paying late to XXXX XXXX, from the due date. They claim that I paid {$20.00} in XX/XX/2018 instead of the minimum of {$25.00}. My statement in XXXX shows not 1 but 2 payments, 1 on XX/XX/XXXX for {$25.00} and another on XX/XX/XXXX for {$40.00}. My XXXX statement reflects a payment on XX/XX/XXXX for {$20.00} and a " past due fee adjustment '' of {$35.00} on XX/XX/XXXX. I was also charged a past due fee on XX/XX/XXXX for {$25.00}. I paid {$80.00} on XX/XX/2018. 
Since consumers are protected under fair lending if they pay within 30 days of their due date, they should not receive a harsh penalty of late payment reflected on their credit report for paying less than their minimum due. In this case I was not late more than 30 days from the due date and I paid more than the minimum due. My credit standing should be changed and not marked as late for XX/XX/2018.
I received a letter on XX/XX/2017 stating I owed a debt. I called and told them I was disputing it, and requested all information, and proof of debt to be mailed to me. The person refused to give me a email address, but stated he would put the dispute into action. 

XX/XX/XXXX I received a 2nd letter, and called again. They told me they had no record of my previous call, and that I would have to email them to dispute the debt. When I made a point to complain that they failed to provide any information to me within 30 days, they stated that I should not be able to dispute the debt since the debt was more then 30 days old. This is not true, and misinformation about what the law states. I then emailed the collector with the email address provided on the 2nd call. 

I feel they are trying to give misinformation about my rights, as well as " lose '' records of my previous conversations.
I have applied to convert my Discover savings account into a joint account. I submitted my application and evidence showing that the joint account holder shares the same address as me. I have tried to reach Discover bank multiple times via phone to check on the status of the application. Every time, I get a promise that it will be done within two to three business days, but nothing gets done. This issue has caused many personal financial problems for me, and I have wasted a lot of time trying to get this done over the phone. I would appreciate this being resolved as soon as possible. 

Thank you.
XXXX XXXX XXXX has been harassing this household since at least last year. They are calling for a family member who does NOT live here or at this number. They call from different phone numbers. They have been told the above information but they still constantly call. They hang up on answering machines. I have pictures of the caller ID to prove this. Here is a sample of there harassing calls. From XXXX on XXXX at XXXX and XXXX. From XXXX on XXXX at XXXX. From XXXX on XX/XX/XXXX at XXXX. From XXXX on XX/XX/XXXX at XXXX. They clearly spoof their numbers most likely to avoid being blocked from one number. I do not know what they are looking to collect or if any debt is valid. There is plenty of negative information on the internet about this companies illegal practices. Threatening and harassing this household is no longer acceptable. They are looking for someone that, again, does not live here, and they have been told that endless times. The calls must stop.
This was drafted on XXXX : XXXX XXXX quadruple charged my account ( total of {$880.00} ) and they sent a hold release form to my branch on XXXX in XXXX, XXXX. The branch told me yesterday there was no way they can actually remove the hold for me and to call the XXXX number on the back of my card. I called the XXXX number on the back of my card and they seemed confused as to why the branch could n't have just done it. She then put me on hold for about 15 minutes and said they ca n't release the hold but the hold DOES expire at the end of day and promised I will have my funds released back to me by tomorrow. It is now tomorrow and my funds were never released back to me - in fact, now my account is overdrawn. And since BOTW likes to be different, none of their branches are open on a Saturday to even put money into my account. I called the XXXX number again today and was told " sorry ma'am, we do n't know why the lady on the phone yesterday would tell you that your hold expires at the end of night ... it actually wo n't be released until Tuesday ''. I then asked to speak to a supervisor and this supervisor lady was EXTREMELY rude and has zero compassion to my situation. She said the only way that they can release my hold is if the merchant ( XXXX ) faxes them over a hold release form. I said they DID fax this over yesterday to the branch and the branch told me to call the XXXX number. She said sorry but I ca n't do anything since the branch is closed today. ARE YOU KIDDING???? I told her that I even have a copy of the hold release form that came straight from the merchant. I told her I could email it to her and she said they do n't have the ability to receive email ( yeah right ). I hung up extremely frustrated and in tears. I was promised my funds would be back to me today and now I have to sit all XXXX XXXX weekend with my account being overdrawn??? I ca n't even wait to dispute my overdraft fees!! Shame on the XXXX branch for not just taking care of this themselves and shame on the customer service people for providing me incorrect information and no willingness to help. 

Update : I got a response from BOTW only after posting about my situation on XXXX. Their response was email their customer relations ... they claimed they have " escalated '' the situation, yet since it was the weekend, response time would be slow. It 's now Tuesday XX/XX/XXXX and my account is still overdrawn, my funds were never released back to me and I have yet to be contacted by anyone, despite that today is now a business day. 

To recap, I was promised the hold on my funds would expire on Friday XX/XX/XXXX and my money would be available on Saturday XX/XX/XXXX. It 's now XX/XX/XXXX - my funds have yet to be released back to me and my account is still overdrawn. This past weekend was XXXX XXXX weekend and I had to cancel my plans because I had no money in my account!
My mortgage servicer is charging me {$1000.00} in what is called " other fees '' on my mortgage statement. I do not and should not owe these fees, nor do I know what these fees are in regards to.
We fell behind on a payment or two on auto loan they call me XXXX or XXXX times a day I called to find out what was the lowest payment I could pay they were very rude asking all kinds of personal questions I told them why do I owe so much because a girl from your company said she would defer a payment he said well we do n't do that by word of mouth and then preceded to say so why are you calling are you going to make a payment or not
I paid my mortgage on XXXX/XXXX/15. My mortgage company reported me late to the credit bureaus. I contacted my mortgage company to discuss why they reported me late when I was n't and they indicated that even though I made my payment on the XXXX/XXXX/15, it was not posted to my mortgage account until XXXX/XXXX/15. The mortgage company indicated that if the payment is made after XXXX., it is posted the next day, making my payment late. I paid my mortgage online using their website and my statement indicates that payments received by XXXX local time will be applied the same day as received. I can not control when my mortgage company posts my payment to their system, however, my payment should credit my loan account the day it is received. I spoke with an account manager who said there is nothing that can be done. Per my research on the Federal Trade Commission site, " a servicer must credit payment to your loan account as of the day is it received ''
There is an account on my credit report ( Equifax only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/2016. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on Equifax again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX  this year. I have disputed these two account with Equifax and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. Equifax should not be a trusted agency for being responsible for people credit information.
On XX/XX/XXXX I applied for a Chase Credit Card while booking a flight on XXXX XXXX. They had very large and bright advertising stating EARN XXXX points when you spend {$2000.00} in the first 3 months. {$69.00} fee applied to your first statement. APPLY NOW. I applied and booked my flight using that new credit card, which it also advertised .. you can use your card for this flight. 
When I got my first statement from Chase, it showed a {$200.00} credit on my flight. Months later I saw a XXXX point transfer to my rapid rewards. 
In XXXX, I called to question the XXXX points and was told it could take up to 3 months to show. 
When I still did not see it in XXXX, I called again and was told that MY offer was a {$200.00} credit and XXXX points. Since that is not what I applied for, the service rep said he would write it up and send it to the marketing team. 
On XX/XX/XXXX I received a letter from Card member Service stating information that I was requesting a new enrollment bonus offer of XXXX points but it was not available on my credit card. Nothing about the fact I felt they advertised one thing and gave me a lesser thing. 
I figured I was not the only person this happened to and looked it up on the internet and found this exact thing had happened to several other customers. Several complaints about the advertised XXXX points and then only getting XXXX points and a {$200.00} credit. 
I called Chase XXXX XXXX XXXX again today XX/XX/XXXX and the representative said she would submit to the marketing team a request for XXXX points, which was the offer available right now but that the {$200.00} credited would need to be recharged to the card. I agreed to that because I'm not looking for extra. I'm looking for the XXXX points and was willing to compromise with XXXX. 
I asked the representative why marketing would give me the XXXX points this time as opposed to rejecting the last request and she said they may not, this is just a request. 
I feel like in a week I'll get another letter stating they are not honoring the original offer but just do this back and forth until the consumers tire and give up. 

I told the rep I was going to file an attorney general complaint but wanted to give them an opportunity to make it right first and she said all she could do was submit a request again to marketing.
I have defaulted on my student loan and fully accept that portion of my actions. My complaint, however, centers on the collection agency assigned to my debt : National Recoveries. I have contacted them by phone and letter ; their phone number is a single line that leads to a voicemail to which they have failed to either ( 1 ) answer at any given attempt of my 23 attempts and ( 2 ) have failed to contact me during times I have stated I would be open and available to talking to them about my debt issue. They have only provided one manner in which to contact them and have contacted me once according to my phone records which was not a stated time as I was at work which was XXXX. They 're failure to provide a dialogue of any sorts not only has resulted in higher accrued interest but also my inability to settle a debt or make voluntary payment arrangements with them as they fail or simply do not wish to contact me.
In XXXX, I found a negative account for XXXX XXXX on my credit report in XXXX. I never authorized anyone to use my name and social security number to open a wireless account. I made a report to the police department for identity theft. Afterwards, I contacted XXXX XXXX and informed them of the identity theft. In XXXX, I received a phone call from a collection agency and I informed them of the identity theft. The phone calls stopped. I sent XXXX XXXX a copy of the police report this year and no one contacted me to follow up. I contacted XXXX XXXX and XXXX of the agents said the account was flagged fraud and it will be removed from credit report in 6 weeks. He also sent me an email and said " Its good that the person who stole your identity did not use your address too. '' I saw XXXX XXXX Services on my credit report for XXXX XXXX. I contacted XXXX XXXX and they told me to contact Dynamic Recovery Solutions because they handle all of their debt collections. I faxed a copy of my credit report to Dynamic and they did not clarify if this debt collection will be removed from my credit report.
This is an ongoing issue with  XXXX  and Experian.  XXXX  has resolved the issue. On  XXXX   XXXX ,    2017, I  sent a letter to  XXXX   XXXX  requesting a Chain of Title proving that THEY OWN A DEBT of which they are entitled to collect and therefore allowed to report on my credit report. They sent back a letter, but were unable to furnish any documents that verified that are in fact, the actual debt owner. Since that time I have been fighting to get this account taken off of my credit report. If  XXXX   XXXX  can not prove that they have the proper documents showing that I owe them a debt, they ca n't possibly be able to add that to my credit report. Regardless of the information that they have on me - my name, my date of birth, my social security number, account numbers, etc. - they do not have proof that I owe them anything. Does this mean that as long as I have someone 's personal information, I am allowed to report on their credit claiming that they are not paying me a debt??? No, that would not be legal. It is not legal for  XXXX   XXXX  to report on my credit report if they ca n't prove that they own a debt of which I owe. I asked  XXXX   XXXX  to prove that what they are reporting on my credit report is truly a debt as to which they own a title that I owe, and they were unable to provide that. This tells me that they have nothing showing that they own this debt and therefore I do n't owe them anything and it ca n't be legally reported on my credit report. I have the name and information and social security number of several of my family members and employees. This does not mean that I can submit information through my company to   XXXX    or  Experian and st ate that they owe me money and ruin their credit and when they file a dispute as long as I can provide   XXXX   and Experian with their personal information it will stand on their credit report? That  is EXACTLY  what is being done to me.  XXXX   XXXX  ca n't prove that they own a debt that I owe and therefore, they ca n't report it on my credit report. I have been told by   XXXX   and Experian that  XXXX   XXXX  has provided them with my name, social security number, address - all of my personal information ... HOWEVER THEY HAVE NOT PROVIDED PROOF THAT THEY OWN A DEBT OF WHICH I OWE THEM. There has not been any paperwork that proves that  XXXX   XXXX  owes  XXXX   XXXX  a dime. How can this be reported on my credit report??? If a debt ca n't be proved you ca n't just add it to my credit report. Am I able to say that  XXXX   XXXX  owes me {$50000.00} and report that on his credit??? I have his name and his soc and all of his personal information, so if you asked to me verify that I could, but I just pulled that number out of the air. There is nothing anywhere that I have that proves he owes that. I have no documents signed that I can show you, but because I have his personal information, I can report that on his credit file? Is that what you are telling me??? No way!  XXXX   XXXX  needs to be removed from my credit report immediately. They have failed to show that I owe them any money and therefore ca n't be saying that I do on my credit report.
On XX/XX/XXXX, I received an e-mail from Capital One advising me that they have decreased my credit limit from {$15000.00} to {$10000.00} on my card ending in XXXX. This could not come at a worse time, as I am attempting to secure a mortgage and the decrease may negatively impact my FICO across the three CRA 's, which could cause me to receive a higher interest rate on my mortgage and cost me thousands of dollars over the life of the loan. 

I called customer service today ( XX/XX/XXXX, at approximately XXXX XXXX EST ), who told me they couldn't do anything. A supervisor advised I can log online and submit an increase request, which I ended up doing, but it doesn't allow me to specify what amount ( and I'm sure it will be denied since my line was just decreased ). 

I've been a Capital One customer since XX/XX/XXXX. I consider my Capital One credit cards my two primary revolving lines, and my Capital One bank account is my primary Checking account. My card ending in XXXX was my first CC. I revolve no credit, I am not a risk, and I've never once missed a payment ( on any form of credit ). Please do the right thing and reinstate my {$15000.00} credit limit.
My ex husband filed for bankruptcy on a Wells Fargo Credit Card. I was listed as the second cardholder, i did n't sign anything obligating me to pay for this card and it was discharged on my ex husbands bankruptcy.Wells Fargo has severely damanged my credit scores by falsely reporting this information.
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( transunion, XXXX, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
To whom it may concern : I have a collection account on my credit files from a collection agency the account is as follows : Portfolio Recovery XXXX XXXX account number unlnown XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX   ). I have sent them a dispute requesting a VALID CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT and NOT A BILLING STATEMENT. I will attach a screenshot of where this company is licensed to collect and it isn't in the state of ILLINOIS! I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois and A CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT. Your immediate response will be greatly appreciated. XXXX XXXX XXXX
State Farm Bank is not allowing me to aggregate my data from other bank sites/portals where I manage my finances. For example, I manage my personal finances from sites such as XXXX XXXX and XXXX XXXX XXXX. These sites offer personal financial management tools and seeing all of my financial sites in XXXX location is beneficial to me. I recently learned that State Farm Bank is blocking a financial aggregator which powers these online portals.
I spoke to all three credit bureaus via phone. I was told that Nationstar would be the ones that will need to make the appropriate changes made to update my FICO score. I did receive a response back from Nationstar-XXXX and they stated it is up to the credit bureaus to update my FICO score to reflect all payments that have been made towards my VA loan with Nationstar. 

I am asking for my FICO score to be updated to reflect all payments that have been made towards my VA loan. 

Thank you, XXXX XXXX
I had Auto Ins with USAA. I had my monthly payments charged to my USAA credit card, I paid my credit card each month. Last XXXX 2015 I had a double billing. Instead of approximately {$62.00} ( a normal single month ) it was for {$120.00}. I was told they had changed the way their billing was done and the double payment was for the months of XXXX and XXXX 2015. It was a one time double billing. I also have it in writing from XXXX of their Customer Servicer Reps. I paid this double billing on XXXX XXXX, 2015. I sold my car at the end of XXXX 2015 and notified USAA right away and cancelled my insurance. Thus ending any further payments. They continue to bill me for that last " XXXX '' month period. Claiming I never paid it. 

I have offered to send them the cancelled check, I have asked and told them to STOP calling me, they continue to call. No matter what I say to them, so matter how I explain it to them they just do n't get it. I paid them! I told them flat out I do not owe them anything and I will not pay them and to stop calling me. They continue to call me. 

I want this to stop, please! Enough is enough ... ..
I have XXXX private loans, initially thru XXXX XXXX, and now those loans are serviced by Navient.Since the loans became due ( XX/XX/XXXX ) monthly payments have been made.When the loans were serviced thru XXXX XXXX a lower interest rate was negotiated which helped lower the monthly payments for 1 year. Since Navient took over they will not work with me to lower the interest rates ( 6 % & 8.125 % ). Since XX/XX/XXXX, Navient has also allied the total monthly payment to interest on the loan with 8.125 % rate. When I contacted Navient I was told the payment were applied to capitalized interest. When I go back thru the history of the loan, 'capitalized interest ' has alway sheen a line item in the detail, but there is no line item in the history which states capitalized interest for {$3800.00}. To date, they have applied {$3500.00} to interest and {$0.00} to principal. The payment for the 6 % loan has always been applied to both principal & interest. I filed an initial complaint thru CFPB back in XX/XX/XXXX, and received a call from XXXX XXXX of Navient, returned his call 5 times but always got voicemail. On XX/XX/XXXX I spoke with XXXX at Navient Customer Service, and she said Navient would investigate and send a letter out with resolution. To date, no letter has been received. I also contacted the Maryland States Attorney General 's Office but they could not help and referred my correspondence to CFPB, which I have had no reply. With my {$280.00} Navient payment of XX/XX/XXXX, {$61.00} has been applied to principal and {$220.00} to interest. But there has been no correction or resolution to the {$3800.00} total payments applied only to interest. I am repaying these loans in good faith, and I want the appropriate portion applied to principal.
I was notified on   XXXX   that there was a change to my Experian credit report. This item was deleted in   XXXX   XXXX     and I was not notified in 5 days that 's it would be placed back on my credit report.
The XXXX XXXX XXXX was included in the bankruptcy which was discharged XXXX XXXX, 2015 case # XXXX. The loan should be removed immediately. This bad credit reporting has resulted in dropping my score XXXX points and is ruining my credit rating.