WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed an Adverse Account on Credit report file # XXXX by XXXX XXXX XXXX ( XXXX ). 
My Loan was to be paid by XXXX XXXX, XXXX XXXX XXXX, XXXX Co XXXX.who never changed the mortgage holder after they were notified XX/XX/XXXX from XXXX XXXX to XXXX. My mortgage payments were made from my XXXX XXXX checking automatically bi weekly to XXXX XXXX. I have copies of bank statements verifying these payments. XXXX XXXX continued to pay XXXX XXXX in error by their own statements and had written to XXXX of their error and that it would be resolved. I was worried about my credit report because even though XXXX was notified of the error and said I would not be reported as late, they reported me to Transunion as delinquent from XX/XX/XXXX to XX/XX/XXXX. As it turned my perfect credit was marred by this error, of which was not my failure to pay, but XXXX error and it was compounded by XXXX 's failure to cooperate with all my requests and correspondance from XXXX XXXX. They were keep in the loop during the entire 7 month period by voice, email and fax by myself and XXXX XXXX who had taken full responsibility.
Citibank closed our Citibank MasterCard account for non usage. I had the Citibank account for nearly 10 years with a $ XXXX credit limit. Called them immediately and requested they reopen the account and they said they would process my request. A few days later I received a phone call from an XXXX number that I did not answer because I did not recognize the number and there was no caller ID attached to it. Apparently it was Citibank calling to verify my identity as they had pulled a hard inquiry on my XXXX credit report requiring they confirm my identity as per the fraud alert noted on my account. I have maintained fraud alerts with the credit bureaus for 15 years due to identity theft. When I called Citibank a few days later to check on the status of my request, they informed me it was denied because they could not confirm my identity. I explained the reason I did not answer their unidentified phone call and they said they would reprocess my request to reopen the account. A week or so later I received a letter stating my request had again been denied. This time the reason for denial stated " your credit report shows your balances are too high for the income that you reported ''. My retirement income, as reported, is over $ XXXX annually after taxes, I carry over " {$0.00} '' balances on my credit cards and my FICO credit score as of XXXX 2015 is XXXX. The only long term outstanding loan I have open with a balance is a low interest Home Equity Line of Credit on which I purchased a new car 3 years ago. Otherwise, we have no outstanding debt, pay our bills on time, never late ... not once in over 20 years, and have a substantial retirement income. Not only did they deny my request to reopen my CC account, which may lower my good credit score, they also pulled XXXX hard inquiries on my credit report within days of each other, further damaging my credit score.
On XXXX I sent notice to Barclay Cards informing them not to withdraw from my bank account because it is in a debt management program. on XXXX an authorized amount of XXXX was deducted and I have not been able to resolve this with them despite calls, emails
XX/XX/XXXX/XX/XX/XXXX I applied to Citicard promotion for a Master Card World Elite credit card that I received in the mail. The promotion was for when you have made purchases of {$3000.00} within 3 months after you received your card, you will be awarded XXXX miles to your XXXX XXXX Miles account. I applied to this promotion online, simply because I could find out right away whether I qualify or not. My application was denied immediately. I later received a letter in the mail from Citicard saying that because I already have an open account I therefore was denied. I had previously canceled my credit card with Citicard a couple of months prior to applying to this promotion but Citicard claimed that I had an open account. XX/XX/XXXX, I received another promotion in the mail from Citicard with the exact same promotion as before. I decided to try again. I applied online and was approved immediately. After receiving my credit card and have met the requirements necessary to receive the XXXX miles, I noticed on my statements that the XXXX miles has not been credited, instead only the XXXX+that I had spent ... .I called XXXX XXXX XXXX Miles to check whether there was a credit made of XXXX miles, they informed me " no '' and that I needed to follow up with my credit card people. I called Citicard and was sadly informed that I was n't qualify for such promotion since I previously had an account with them and that I needed to wait 18 months. 
If this is true, Citicard should not have falsely approved me for a credit card I was led to believe to receive. There was completely no misunderstanding on my part due to the fact that I wound not have applied for a credit card that did not offer me any mileage bonus. I am very aware of such things and I strongly feel that due to no fault of mine, Citicard should do what is right and honor their promotion that I was approved for. I have always been a good customer of Citicard and have always paid my debt in full with no delays. I sincerely hope Citicard will reconsider their decision and award the XXXX bonus miles promised me. 

Sincerely, XXXX XXXXVery Dissappointed CustomerSent from my iPad
I have sent several letters asking them about this debt and they refuse to send me anything. I continue call XXXX and inform them that I do not owe them any debt to them inwhich they showed that I do not own any debt. This company IC Systems continue to report this collection on my Credit Reports.
i have a couple debts thats been reported that i have zero to do with me i dont know if its because my father and I have the same name or if i was irresponsible with my SS # but they have n't been able to verify the accounts
Listed below are on my credit report : I am XXXX XXXX XXXX NOT XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$130.00} Status Date XX/XX/XXXX Status UNPAID Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Case/Docket # XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Amount {$800.00}
Attempting to garnish my wages for double the original debt even though they recovered the atv that I had the loan on
I was preapproved on XXXX XXXX, 2016 for a mortgage by Chase. It was based on the credit bureau in hand and the information I gave on the credit application data being verified as well as an appraisal being performed. I was declined on XXXX XXXX, 2016 NOT because Chase could not verify data or because of a bad appraisal but based on credit bureau information in hand 80 days before denial. I put in a complaint and I was called by " Chase XXXX '' in XXXX, OH. They could not find me in the system ...
I moved in XX/XX/XXXX XXXX miss read broken meter. This was disputed and resolved with my credit reports and razor capital. Send them documentation XX/XX/XXXX. Now XXXX is trying to collect with a false statement. ( Bill ) No payment was ever made on this account - no proof of payment has even been made. like I said i did not reside at this address for 5 years. with wahat the payment was made?? proof Check or credit card and the account number that it was paid from? This is a fake bill and they are illegally try to collect on a debt that is no longer even valid by sending a fake bill.
On XX/XX/XXXX XXXX I talked with Mr. XXXX , customer relations representative from XXXX Tx . I asked Mr. XXXX about the interest amount paid as of XX/XX/XXXX. per Mr. XXXX `` I can not tell you the amount of interest paid on your account. '' When I asked him why he could not tell me the amount, per Mr. XXXX " it is not company policy. '' He could tell me that the interest rate on loan is 8.5 %. Per Mr XXXX he could tell e the of principle on the loan that due is XXXX as of XX/XX/XXXX. Per Mr. XXXX " a mailing was sent regarding the interest being paid first then principle. '' This was a surprise to me, He stated " will resend to mailing adddress ''. Per Mr. XXXX the " industry standard information is not part of your original closing loan document file, the title closing agent did not confirm language, acknowledgment verbally, no signature as included in orginial loan file. You were not advised of the industry standard. I informed Mr. XXXX the term industry standard was not relayed to us at closing or after loan transfer to Nationstar mortgage. Nationstar failed to disclose the amount of interest paid on my account is a violation of my rights as coborrower. 
During loan transfer from XXXX to Nationstar, after review of loan files, fail to obtain industry standard signature, verbal acknowledgment from borrowers of loan after XX/XX/XXXX.  Nationstar neglected to convey specififications of the real estate loan transfer transcation. Interest being paid first then principle, letter not received. No verification it was received by me on file. 
Fail to investigate customer complaints. Qualified written request sent to ceo cerifitid on XX/XX/XXXX, requesting additonal information on servicing of loan.Through account history print out I discovered overcharges unexplained fees, invalid late fee assessed, inconsistent interest increases. Low amounts applied to principle, invalid late fee from bank draft authorization. Payments applied to suspense account without disclosure to me, code/description used for deduction from monthly payments. Such as corporat advance fee, non cash fee adjustments, and QC fee all were outlined in letter to ceo. 
Second qualified written request regarding servicing of my loan was XX/XX/XXXX, an acknowledgement letter sent, no follow up or investigation into complaint. Mr. Cooper continues to perpetuate the predatory lending practices against me. Being an elder couple we were unwitting victims of the housing scam era. The numerous deficiencies in accounting payments, failing to follow up with customer. Facts are contractual monthly payment for 139 months received on loan has paid off the loan amount of XXXX Zero credit toward interest means over XXXX has been paid and the remaining amount of XXXX still due is a proof of a fraudulent loan scam against me.
I obtained a mortgage loan from Wachovia Bank in 2008. This loan was transferred to Wells Fargo when they purchased Wachovia. In response to a complaint filed, I was recently sent all closing documents related to this loan. However, there were XXXX pages received that were not provided to me with other loan documents at time of closing. Upon review, I noted that the page with the initials are fraudulent, and the notary seal does not contain all the information required by the State of Mississippi. Requirements for Mississippi notary seals can be found at : XXXX ( See page XXXX, Rule 5.20 ) Considering other discrepancies previously identified in the original mortgage documents and the invalid notary seal, the loan should be deemed null and void
Hello I just made a large payment of {$260.00} to my  XXXX  ca rd two days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
Additional information for CFPB complaint # XXXX about XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. 

On XX/XX/2018, XXXX responded to CFPB by stating that the complaint does not belong to them. 

However, as per information from XXXX the account was charged off and transferred to SIMM ASSOCIATES, INC See attachment.
I had a Paypal account and an additional credit account that was originally called Bill Me Later, was added to my account. These accounts were eventually merged and just became a credit account on my Paypal account. After years of never using it, I received an email from Paypal that a charge was made on my account. Within 24 hours and actually within the same business day, I contacted Paypal via email and phone to tell them that I did not make any charges and any charge made had to be fraudulent. 24 hours later they contacted me to basically tell me " to bad '' stating that I authorized it. I disputed the charge again when the bill came. They again denied the claim providing a tracking number and proof of delivery from the company that made the charge. I investigated the tracking number and not only was the package not delivered, it is n't even for my address, clearly showing the entire transaction is fraudulent. The charge is also from a company that operates outside of the United States, sells illegal products that is totally against Paypal own policy and is clearly a front for fraudulent activity. I provided this information to Paypal and they still refuse to remove the charge when they could have stopped the entire transaction long before anything could have been shipped. They refuse to communicate with me and remove a charge that I have clearly shown is fraudulent and they have left me no other recourse of action that to escalate the situation outside of Paypal.
This amount of XXXX was sent over to collection & honestly Im not sure what this bill could be for..Ive never received anything from thia company let along the collection agency..I found this on my credit report so thats why Im reaching out to better understand what this is for
So Experian fixed the account I have been trying to get them to fix for years. YEAH! But in the process they took several account that I had with XXXX and posted them all as discharged in BK Chapter XXXX. 
These accounts where paid off long before I even filed for Bankruptcy. How if they " verified '' the information, could they have possibly been informed by XXXX that they were discharged? One of them was paid in full a whole 8 years before I even filed for BK! I suggest Experian actually investigate this matter. They are in so many violations of the FDCPA I do n't know if I should laugh or cry!
Hello, An American Express credit card is showing on my credit report as Closed / Charge-off. This account is falsely showing on all three credit bureaus.
Letter addressed to " XXXX XXXX '', which is not me, at my address. Another attempt to collect a phony XXXX debt. I will attach their letter. Their web site allows no option but making a payment ; nowhere for an explanation ( in this case, that there is no such debt ).
On XX/XX/2018, I sought to establish a utility service with XXXX XXXX. We couldn't complete the initial screen because there is a block on my credit file with Equifax. I called Equifax, spoke with an agent who identified himself as XXXX he asked if I had a credit card and who was the lender. I told him. Then he asked did I have any past credit card accounts. I asked him to explain his meaning for " past '', and he just said past accounts. I told him that the only account I no longer have was through XXXX XXXX. He then said my answers were incorrect, and he couldn't go any further until I verify any past accounts. I asked to speak to his supervisor and was denied. I asked him three times after this and was still denied. I then asked him what the process is to place a block on a file. He answered that he couldn't give that info until he verify my identity. After this I reiterated that I need the block off of my file, and I need to know how the block was put on my file. The agent refused to answer my concerns and he disconnected the call.
The company has only sent me one page statements. The most recent statement threatened to adversely effect my credit report. I called to clarify and the representative said that if I did not pay at least a minimum amount, they would write two credit bureaus and adversely effect my credit. I requested that they provide me any information pertaining to the account that details their authority to adversely effect my credit. They declined. XXXX ( Extension XXXX ) said that he would only send me any information required by law. I asked him to explain but he kept repeating that information. He also fraudulently stated that I made statements which were untrue.
Yeah, I just got a XXXX 's Prepaid XXXX in the mail without requesting it and not being accepted by a company, that I'm aware of. The letter included that it was provided by the XXXX XXXX XXXX XXXX, but that sounds made up. Why do I have this card and how do I get rid of it?
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in you credit file. The Credit Bureau has not updated the information and per law true Bankruptcy listed does not include this information and should be deleted from my credit report
In XX/XX/XXXX I entered into a Coaching contract for Real Estate. The contract was a 12 month contract, however, there is a part in the contract that reads, if after the first 6 months, you may cancel your contract by phone call or email. So I emailed and said I wanted to cancel. ( Due to money and going in for XXXX I would be off work for 6 months ) I received a response saying I was denied. I sent another email saying I 'm sorry I am canceling the automatic withdraw. I contacted Chase, I believe XX/XX/XXXX also and explained the situation. At first they did n't let the money go. The next month they started allowing it again. I continued calling. Finally started disputed by mail. They allowed the company to continue to withdraw for 6 months, plus an additional month. They said the company sent them a copy of the contract. However, the company did not include the part that read you could cancel after 6 months. I sent that to chase. I had to send it XXXX times because they kept telling me they never received it. I have been disputing this for over a year. Letters after letters, phone calls after phone calls. They keep saying they will investigate, then send me a letter saying their sorry but they disagree with the dispute. I call to speak to someone about the matter and they tell me someone will get back to me within 7 days. No one, in a year has ever gotten back to me ... until this last time i called. She was very rude, said I sorry you are denied the dispute the investigation is over. Not only am I still paying on that money, I am paying interest. I appreciate your help. 
Thank you,
Citi Bank offered a public promotion for any City Gold Clients to earn XXXX award miles once they meet the requirements. Since, I have met the requirements, they have not yet honor my reward. Furthermore, they have been dragging out the process by extending the investigation from few days to 45 days now. Every time I called, the story becomes different. Citi bank is using deceptive marketing to win over clients on to their Gold account, which requires monthly fees or holding on to large amount of deposit.
The following information XXXX XXXX is reporting on my credit report is false and inaccurate. 

1. TransUnion is reporting that the account is a Delinquent Account on Date reported XX/XX/XXXX. This is not correct. My XXXX XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
2. TransUnion is reporting the account Condition as Derogatory. This is not correct. and the account condition is PAID. 
3. TransUnion is reporting the account Status as in a Wage Earner Plan. This is not correct. This account is closed so how can the account be in a Payment Plan? 
4. This account is not in XXXX XXXX Bankruptcy. TransUnion must only report the current condition of the account.
I am a US veteran of 20+ years and I would like to report the unfair financial practices by a financial services company by the name of XXXX XXXX ( a military lending division of XXXX XXXX ). I  applied for a loan in XXXX of last year and was approved. I needed the loan to offset the cost of expenses as the result of living on a fixed income ( military retirement pension ). The original loan amount was {$1400.00}. The loan has a fixed number of payments ( 1year ). Payments started in XX/XX/XXXX and are to end in XX/XX/XXXX, but because of financial difficulties in XX/XX/XXXX, numerous interest rates and service charges have been added to the principal of the loan. As a result, repayment of the loan will have to be extended past the maturity date of XX/XX/XXXX ( all payments can be completed by XX/XX/XXXX). In addition to the increased amounts on the loan, my otherwise very good credit has been ruined and my credit score has dropped dramatically because XXXX XXXX ( a  military lending division of XXXXXXXX XXXX ) has " flagged '' me with a 30-day and just recently a 60-day late payment on my account with all three credit bureaus making it impossible for me to apply for any future lending. On top of that a " hard inquiry '' was placed on my XXXX credit report which I did not initiate. I am requesting removal of these negative items from my credit report from all three credit bureaus and the " hard inquiry '' from my XXXX credit report again which I did not initiate. I have made a recent loan payment of {$130.00} toward my balance of {$710.00}. Since XXXX of this year, I have been trying to get someone at XXXX XXXX ( a military lending division of XXXX XXXX ) to work with me on lowering my monthly payments and to stop payment by military allotment to my bank account. I 've had numerous NSF ACH direct debits on my checking account and several NSF fees added directly to the amount owed. I have always demonstrated a " willingness to pay '' when it comes to paying debts. This account is the only account on my credit report showing a negative status. I spoke with a representative at XXXXXXXX XXXX to discuss the status of my account. I was advised by this individual to restrict all communication with XXXX XXXX as there might be a misunderstanding in information regarding my account. So I did. This also raised a flag concerning the unfair practices and treatment of consumers at XXXX XXXX ( a military lending division of XXXX XXXX ) especially towards veterans, servicemembers, and their families. As a XXXX veteran, I am hopeful that I can get this agency to do all it can to help me with this situation because I do n't know where else to turn to. I am reminded of a certain senator in Washington DC who would be very interested in the " credit protection measures '' of the Military Lending Act being applied to veterans, servicemembers, and to their families. Thank you very much Consumer Financial Protection Bureau for being there when we need you the most. 

Hopefully this can be resolved at your level. Thank you. 

PS. Please address these concerns to the Assistant Director for the Office of Servicemember Affairs.
I have not done business with JH portfolio. I do not have a signed contract not any contract with JH portfolio.I have the right to demand to see a signed contact between  JH portfolio an d myself.