WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 Onemain Financial took funds from my account for a car payment in the amount of {$200.00}, even though they'd received the payout on the loan. They've since given me the runaround saying the funds were returned, which they weren't, that they'd XXXX me a check on XX/XX/XXXX, which they hadn't, and then that they had to " hold '' my money for 15 days. This is the XXXX Indiana branch of Onemain Financial.As of this date XX/XX/2018 the management is STILL giving me the runaround! This withdrawal put my account in the negative and they still refuse to reimburse my money. They even tried to make this MY fault because I failed to tell them to no longer take funds from my account.I explained that I'm unable to be home to receive a fedex package due to travel for work, yet they insist that it's the only way for them to reimburse my funds.Taking money under false pretenses is A CRIME!
In 2007 I wanted to convert my consolidated stafford loans to direct federal loans so that I could qualify for the public service repayment program. I was told by Sallie Mae that I could not reconsolidate the loans and was not ( and would not become ) eligible for the repayment program. I have found out recently that my loans were in fact eligible for reconsolidation. Now I have paid for another 9 years and have made no progress toward qualifying for the PSLR program. I have worked for a qualified 503 ( c ) for my entire 18 year career.
Hi, I received a notice from Midland Funding LLC in regards to a debt that I have no prior knowledge of for the amount of {$570.00}. I believe this is a mistake and I have notified Midland through an online dispute and would like to get this removed immediately off my credit report.
On or about XX/XX/XXXX, I, the Consumer, was made an offer from American Express Gold ( AEG ) Credit Card ( CC ) ; Subsequent CC was approved on the above-mentioned date and rushed delivered. After 30-days of usage and 'timely paying in full ', I made inquiry into the Credit Reporting process. Subject Credit Card Merchant informed they would make credit reporting available for subject card after 2-billing statements have closed. Two billing statements have closed and as of XX/XX/XXXX, no credit reporting for this CC has occurred. This Consumer has 2-active open CC 's with said merchant and both are in 'good standing and never  late '. Not reporting this card does not legitmately provide accurate, correct information on the consumer 's credit report in terms of history, balance, and credit availability in a timely manner ( as promised ) ; Thereby, alternatively suppressing the Consumer 's FICO Scoring.
Ocwen Loan Servicing , LLC sent an Annual Escrow Disclosure Statement to me dated XX/XX/XXXX with an analysis date of XX/XX/XXXX. I received it on XX/XX/XXXX. 

On Page XXXX in the Escrow Cushion and Potential Escrow Shortage section - Expected Balance Deficiency paragraph, the communication stated that the total shortage is {$17.00}. On Page XXXX in the Escrow Account Projections section, the communication stated that the shortage may be paid directly and if the shortage is paid, the monthly payment will be adjusted accordingly. 

I paid the {$17.00} directly, which is shown on the XXXX XXXX Ocwen mortgage account statement that I received on XXXX XXXX. However, Ocwen still raised my total monthly payment to {$1100.00} instead of keeping my total monthly payment at {$1100.00}. Ocwen raised my total payment in XX/XX/XXXX after I paid the escrow shortage shortfall directly and could not explain the reason when I contacted them about it. 

With previous mortgages that I have had, the mortgage company kept my total payment the same when I paid the escrow shortfall directly. I am contacting the Consumer Financial Protection Bureau regarding why Ocwen 's communications state that they will keep my total payment the same amount if I pay the escrow shortage shortfall directly and they do not do this. Thank you for your reply.
I have been attempting to resolve the multiple negative accounts on my credit report, however due to poor lack of inverstigation, validation, and communication I am requesting that all of the accounts be removed.
XXXX is trying to collect {$170.00} for a XXXX received that I purchased at XXXX XXXX. XXXX claims that I leased the receiver from them, however, XXXX and their agents have failed to substantiate their claim. They have ignored my written and verbal communication and continue to use harassment tactics to collect money on an unsubstantiated claim.
I had a vehicle loan with Santander since XXXX, the vehicle was repossessed in XX/XX/XXXX with no notice sent to me before or after. When I contacted the company I was told there was nothing I could do and the said they couldnt allow me to retrieve my personal property out of the vehicle due to state law. Ive sent several letters asking them to sent me a copy of the notices and validate the information they have because they say I still owe XXXX when the car was purchased for XXXX and Ive paid around XXXX on the vehicle, Santander will not respond to the letters and when I call they say they no longer have the info
Before you attempt to read this message I want to let you know that this isn’t a letter to collect debt. I am writing this letter as an affidavit and a dispute. The accounts listed in this letter is inaccurate and is an error. ERROR ACCOUNTS: XXXX, XXXX XXXX  & INQUIRIES WILL BE IN THE ATTACHMENTS. I have contacted your company 90 days and you seem to be ignoring me which let me know that you are aware of every certified letter I sent to you and you have nothing with my signature bearing my signature or any documents that is attached to me. By law you must remove the items immediately and I am only allowing 24 hours for this to be resolved. I am unaware of the accounts and inquiries listed. I mentioned this in 3 previous letters 90 days ago but your intentions were all wrong and you’ve violated my rights as human being and I’m forced to take legal actions for using my consent with out contacting me. This is a special moment for me knowing that we will be in court soon because you owe me time and damages that you’ve caused stress and more to my life than you ever can imagine. I will be filing a lawsuit very soon and will be looking to be compensated an amount of $XXXX for all the damages.
I was in a low interest repayment status that I have to call every year and get back in, I called in XX/XX/XXXX and spoke with a lady at Navient and she told me it was extended out for 15 months and we set up payment arrangements for every 2 weeks. I got a call today from someone else at Navient telling me that my program has expired and they are wanting to put me back in but interest rate went from 1 % to 5 % and I will need to pay the defaulted amount because it had expired in XX/XX/XXXX and it was for the wrong amount. When I tried to explain to them that I talked to someone back in XX/XX/XXXX, he told me she just extended the payments out but did not put me back in the program and that will still need to pay the {$500.00} past due amount plus the new amount which went from {$200.00} a month to {$400.00} a month. When I started asking why the man started getting rude was not willing to answer or work with me, he then put me on a 10 minute hold saying he was going to get his supervisor and after 10 minutes he comes back on the line and said his supervisor is busy but that he can get my interest from 5 % down to 3 % but that he can not do the 1 % because I did not set it up in XX/XX/XXXX, I tried to repeat it again that I did call and the lady did explain that it for that program he then started to get irate and hung up the phone when I would not give my approval for the 3 % interest. He told me if I wanted to get out from loan I would need to call a bank and get a loan for the full amount and buy them out. I have been in this program for 5 or more years and every year I go through the same thing, and they keep giving me the run around and call me once a week with a different number. I received my loans from XXXX.
I began receiving calls from an unknown number which of course I do not answer. It apparently appears to be a collection agency as I believe I 've gotten voicemails. On  XXXX / XXXX /  XXXX   I received a call from a similar number but la st 4 digits  slightly different (  XXXX  ) and was waiting for a voicemail to identify who it was. It was a  3 sec ond message of a man saying "   XXXX   XXXX   XXXX   XXXX    ''. This m orning I received a text message from  XXXX  asking " is this ______ ''. I feel it 's clearly an illegal attempt to have me respond in order to get me to call and collect a debt I do not believe is accurate. I understand that it 's illegal for them to send texts or emails that trick or harass you into contacting them so they can collect money. By law, de bt collectors have to tell you who they are, no matter how they contact you.
On my credit report there 's a debt from Midland Funding. When I asked them to verify they sent me info from someone with a completely different date of birth than mine. I would like this debt cleared from my credit reports.
I had a Shell Credit Card account for decades. The issuer is Citibank. The card was very seldom used, usually on long trips. At some point I believe late XX/XX/XXXX or early XXXX the account number was changed by Citibank and I do n't why. After that point it seems all communication, statements etc., stopped. Not using the card very often it did not come to my attention. In XX/XX/XXXX I used the Shell card to make a purchase in XXXX Ca. for XXXX. I am a person that pays his bills within a day or XXXX of receiving them. Something had happened to cause me to stop receiving statements from Shell/Citibank. Without a statement the purchase went unpaid. I believe that each month Citibank thought I was receiving statements and ignoring them so they added late charges until they closed the account and sent it to collections. Also, they notified the credit reporting agencies, showing a charge off on my report. I discovered all of this when I applied for a credit offer from a retail store. Prior to this point I did receive a letter from the collection agency indicating the charge off from my Shell account. Believing that I had a XXXX balance, I logged into my Shell account on-line and it shows no balance owed. I hought the letter was a fraud scheme. I can still log into the account. I discovered that I am logging into the old account number?? 
The action I have taken : Called the Citibank service center and asked to discuss my bill with the representative, who claimed she could not see the account since it was closed. She told me she would send the statements and I should try to figure out what happened. Really? 
Month later, received statements and discovered the aforementioned information so I called the Citibank service center again to discuss the issue. I was told this time that I would have to write a letter to the CBR Dispute Dept. of Citibank. 
Wrote letter to CBR Dispute Dept. outlining the details and asking for a representative to contact me with a resolution. They have not contacted me after sending additional faxes requesting any type of contact at all. 
After a month of no contact I emailed a letter to the CEO of Shell and the CEO of Citibank detailing the issue and begging for a representative from either company to contact me. 

I am a XXXX retired XXXX XXXX that takes pride in having a pristine credit report and have never paid a bill late. Please help me!
Fax XXXXOffice of the Comptroller of CurrencyXXXX*NOTE : All supporting documents are available at XXXXXXXXXXXXHuntington Bank has charge me {$700.00} in fees associated with a faulty mobile deposit feature in their mobile banking app since XXXX and refuses to admit it 's their fault. 

I attempted to make mobile deposits with the Huntington Banking app via the iPhone. Apple had just released the new iOS8 and the app was n't working properly. The bank cutoff for deposits is midnight. I attempted to make the deposit repeatedly from XXXX on on XXXX and it finally accepted my deposit at XXXX on XXXX/XXXX/14. I contacted the bank 's XXXX number but they said that only my branch manager could help. I reached out to the XXXX branch manager, XXXX XXXX, on repeated occasions but never recieved a phone call in return. I spoke with XXXX and XXXX. 

I made the following calls to XXXX to resolve the issue beginning the day I received the initial fees. XXXX branch phone numbers below are XXXX & XXXX. 

XXXX/XXXX/14 XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX only replied XXXX, XXXX & XXXX. Those voicemails are available via the link. 

After XXXX XXXX XXXX XXXX phone calls to resolve the issue, I finally emailed the branch manager at XXXXXXXXXXXX. 

I emailed XXXX on XXXX to resolve the matter and was told that she would look into it. Then she was gone until XXXX. I asked her to freeze the account so that no more fees would accrue. I checked on XXXX to find out that my account was not frozen and was continuing to receive overdraft fees. To which, XXXX responded, " Huntington Bank does not have the capability of freezing accounts at this time. '' Seriously, a bank has no authority to freeze an account? 

Since she was out of the office, I had to go to corporate. After weeks of being shuffled around, I finally spoke with someone at their corporate office and after he checked into it, left me a voicemail stating, " we have had no issues with the mobile banking platform for the entire year of 2014. '' Again, really? I have screenshots that prove otherwise AND, their own updates state that the updates include " bug fixes. " Now, for some reason, Huntington bank stopped hitting my account with " Extended Overdraft Fees. '' The last fee being on XXXX/XXXX/14. How were they able to do that if the bank can not freeze fees? 

Because, it is clear they were having major issues with their mobile app conforming to Apple 's iOS 8 update, I simply want the initial " Overdraft Fees '' and " Extended Overdraft Fees '' refunded. 

( Also, if an account is negative for so long, why would you even let a charge go through if NOT to just charge another fee? Again, I had asked you to freeze the account so that no automated payments would go through. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEES {$700.00}
self lender/ XXXX XXXX  is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.
Disputed the validity of this entry on my report and never have been provided account details as requested. Send notice that account was paid in full and funds to original creditor. The account delinquency was 2010 and according to law once a debt is paid and OC is paid then the collection agency no longer has an account to report. Please delete this item immediately as I have waited over 60 days to get this resolved and numerous calls. The debt was a duplicate also to another debt collector, causing several inaccurate entries to my credit report. 
It is sad that I have to cause stress to myself to fix this problem .Collection accounts that are closed and returned to the original creditors are to be deleted from the Credit reporting agencies, as these accounts are no longer in collection. 

Furthermore, if the accounts were paid they should not be listed as an open account. 

Your verifcation of the accounts as a " Paid Collection " is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; 15 USC 1692e ( 8 ) providing false information to credit reporting agencies FCRA violations ; 15 U.S.C. 1681i duties of furnishers to provide accurate information.

15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting.
XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX This company whom i have contacted repeatedly is doing hard inquires on my credit report.I have asked for them to be removed repeatedly. 
There is someone in Illinois where i lived 10 years ago sending in and applying for multiple credit cards. The above one is the only one who is not responding and keeps hitting my report. All other cc companies have removed inquires. 
thanks
XXXX XXXX, account specialist, called once, asked to verify last XXXX of SSN. Admitted it was not mine and then said would research and get back. Then had his manager call -- still could not verify SSN. Yet looked up other matching cities and addresses to assert loan was mine and wanted me to admit it, repeatedly. I have never taken a loan from XXXX student loans, the creditor in question. He said he would put me in touch with XXXX student loans to confirm that I was not the borrower, put me on hold and then I hung up.
Equifax continually updates my credit report and each time I have contacted them for resolution. It appears they do not care, and in fact continually report in accurate information on my credit report. Firstly, they are reporting the Auto loan with XXXX XXXX as closed yet this account is opened. Secondly the amount owed is {$17000.00} and they put that the amount owed is XXXX XXXX XXXX XXXX dollars. Which is totally incorrect. Knowingly reporting false information, and abusing the FCRA rules. They also marked on this auto loan that it is repossessed and that its been late. Its never been repossessed. Its actuallt current, and I want these remarks removed and the account to be correct. 

Next on the list is that XXXX XXXX XXXX XXXX is reporting that I owe them credit cards, and also show me as an authorized user. I had identity theft and these charge offs were opened without my permission. I did notify XXXX XXXX. Secondly I have asked to be removed as authorized user countless times. They continually lie. 

Also, XXXX XXXX is reporting Charge offs. These accounts were also opened online, at an address I have never lived at. They were then charged off. I never once opened these credit cards, and currently have an investigation going with XXXX. 

Also I have never had an account with XXXX. I reported this to them many times but nothing has been done. This is a fraudulent account opened online, that I never received nor authorized. 

Lastly XXXX XXXX also show credit cards charged off, and a line of credit. They admitted to me they have wiped these debts off their taxes and books. They sold these off to third parties, and that they have no contract. Therefore I do not owe these debts. They were cancelled debts, not mine and I want my credit file updated promptly. Also I should not have any inquiries as I have not attempted to apply to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Nor XXXX XXXX, Nor XXXX XXXX XXXX. Nor XXXX, Nor XXXX XXXX or XXXX XXXX XXXX. Nor XXXX XXXX, Nor XXXX. Please remove these.
Submitted Case number : XXXX ] on XXXX/XXXX/XXXX bank committed to fix information on credit reports. Which it was corrected on XXXX and XXXX but was not fixed in XXXX which appeared as CHARGE off which I disputed as you instructed if I saw anything incorrect and the dispute came back worse cause now it appears as Placed for collection. I have spent a lot of money on viewing my credit reports and time I subscribed to XXXX which is XXXX paying {$30.00} dollars a month to monitor this correction and has not been corrected. I even communicated directly to the bank with no resolution and my credit is affected because of this. The charge off which is incorrect was eliminated from XXXX XXXX and want it eliminated completly from XXXX. This car was brought in XXXX and we are in XXXX and it still appears in my XXXX account as well. I even have the title for the vehicle which Firstbank sent to me and this information was given to them when I first disputed and still it has not been corrected. Please verify Case number : XXXX ] where First Bank said they are committed to correct my credit reports and have not been done.
I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX   XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act XXXX/XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX
I am hereby demanding any accounts displayed below be removed from my credit report immediately as they are not authorized to be there. Attached is my Copyright Notice and Power of Attorney Notice for your reference. These accounts are fraudulent I have sent notice to each creditor to answer the fraud and each creditor has remained silent. Any credit agency reporting them are in violation of the law and are at risk of a lawsuit : XXXX XXXX # XXXX XXXX XXXX-ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT ending in XXXX and XXXX XXXX XXXX/ XXXX ACCT XXXX XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX ACCT ending in XXXX XXXX -ACCT XXXX
A check reverced and now they want to close my account now i cant get my money thats mine out
An unauthorized charge for {$2000.00} was charged to my Capitol one credit card. I have disputed it several times even sending certified letters yet Capitol One acts as if I haven't substantiated my claim when I have done so over and over submitting the same documentation. I am exhausted trying to resolve things with Capitol One. They keep you on hold indefinitely when you I call. They have charged me interest and late fees on an unauthorized charge.They also closed my other Capitol one account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
THIS LATE ON MY AMERICAN HONDA FINANCING ACCOUNT IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALREADY SPOKEN TO THE CREDITOR AND THEY HAVE PROVIDED THEIR END LETTER OF AGREEMENT, BUT XXXX DOES NOT REMOVE THIS INACCURACY FROM MY CREDIT REPORT. 
XXXX AND XXXX HAVE ALREADY REMOVE THE NEGATIVE MARK EXCEPT XXXX, NO MATTER HOW MANY TIMES I HAVE SUBMITTED THE REQUEST THEY JUST DONT. 
PLEASE HELP ME TO REMOVE THIS MARK, CAUSE I NEED TO APPLY FOR STUDENT LOAN FOR MY SON. 
THANK YOU
I have multiple private loans with Navient. I was continually fed false information on my repayment options. I was able to get in touch wit h one r epresentative who told me the correct repayment options available to me. I am currently in school full time and have a in-school deferment for all my loans, even the private loans through Navient. I made a " catch up '' payment  in  XX/XX/XXXX . The in-school deferment was recommended to me by the Navient representative in XX/XX/XXXX . I became a full time student in  XX/XX/XXXX . I began recieving 4-10 phones calls Monday - Friday, from Navient, starting in  XX/XX/XXXX . Navi ent uses multiple numbers and only leaves one message per day, despite the numerous phone calls.