WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX   XXXX  I applied and was approved for a  XXXX   XXXX   MasterCard Credit Card Account administered by Barclays Bank Delaware ( Barclaycard ).  I was charged and paid a {$99.00} annual fee for the card and its benefits which include a 50 % savings on inflight purchases. Those savings are described in the  Business Card Agreement as : " Cardmembers in good standing will qualify for a 50 % savings on eligible inflight purchases. Eligible purchases include the in flight purchase of cocktails, beer, wine, meals, and  XXXX  movies ( not  XXXX  ) on  XXXX -operated flights when purchased on their Account. Savings do not apply to any other inflight purchases, such as wireless internet access, or duty free. This offer is available on eligible flights as long as supplies last. This savings will appear as an Account statement cred it 4-6 wee ks after the transaction is posted to the cardmember 's Account. '' [ sic ] My account is in good standing ( I do not carry a balance but instead pay my bill in full every month ).     I made two qualifying onboard purchases with this card. Those purchases appear on the statement that closed on  XXXX   XXXX ,  XXXX , with the description "  XXXX  BUY ON BOARD. '' Those purchases were billed in full and no credit was provided. I paid the bill in full.     More th an 6 weeks have passed since those transactions were posted to my account and I still have  not received a statement credit.     I have attempted to resolve this issue within the  XXXX   Business Card cu stomer service system on numerous occasions. I have called the number on the back of my card and sent many messages through the cardmember website. I have not received either a resolution or an explanation. The telephone customer service representatives are unable to explain why I have not received the statement credit, and the only response I receive to the online messages is to call the customer service representatives.
I have insurance on my auto loan with Navy Federal Credit union, in the event I become unemployed/early furloughed from my employment, the insurance was supposed to be applied to my vehicle loan and other accounts with this financial institution, instead they have added this account to collections making it impossible for me to gain employment or housing due to the collection account, I have tried to resolve this issue with them to no avail and am now experiencing financial hardship due to this.
I have asked the credit reporting agencies XXXX Equifax to remove a trade line to inaccurate reporting. I have tried several times, NO ONE is listening to me. The incorrect trade line is still there. This is not fair treatment. I have disputed a collection agency /hospital bill for over a year with an insurance company. The bill was paid in full three years ago. The bureau continues to report as paid in settlement less than the full amount after numerous times of advising this information is not true. The collection agency XXXX XXXX XXXX now XXXX stated they ca n't change the bureau, the bureau will need to remove the tradeline as its reporting in error. The agency is stating they have reported all the correct information. I have complained to supervisors, they sent me a letter confirming, paid in full. I feel that I am being ignored and this is affecting my personal life and impacting my credit rating. The hospital, XXXX is at fault for sending my account to a collection agency while I was paying, the collection agency XXXX XXXX XXXX is at fault for initially reporting inaccurately and the bureau 's, XXXX and Equifax are is at fault for continually reporting this inaccuracy. I want this trade line removed. I have submitted several complaints. Thankfully XXXX XXXX listened and removed the trade line. Will some one please help me get this resolved.
Equifax leaked my private information and has been me susceptible to identity theft. I now need to proactively monitor my credit. The type of information leaked included my drivers license, dob, and social security number + more. This has affected me as I am currently trying to close on a house and have had to take steps to guard my credit.
I do n't even know if anything can be done about this but I wanted someone to know about it. It has been a rough year for me payments wise. I got behind on one in particular. I bought a new mattress in XXXX of last year. I was told the price was XXXX XXXX and XXXX XXXX dollars. It was financed through American First Finance. I signed everything and on some level this is my own fault for not reading everything but I was never given a copy of that contract. I 'm not exactly sure how they are charging for interest or exactly how much I have left to pay down. I can get online and look at some information but it 's not very specific. It will only show my payment schedule not an itemized bill. It will only show the payoff amount not how much I still owe overall. My biggest problem with them is that I went back to a job I hate back in XXXX. When I was getting my first paycheck this company took XXXX late payments out without my express authorization and left me with XXXX dollars. I called and was about to start cussing but I wo n't do that because I 've worked in a call center and it sucks. XXXX different people told me there was nothing to be done and that I authorized them when I signed the original paperwork. I asked how much I still owed and one told me over a XXXX still. I had been paying XXXX XXXX and XXXX XXXX dollars and XXXX cents for over XXXX months at this point. I was told my payments would be XXXX XXXX and XXXX a month and they were n't. I suppose that should have been my first clue. I want a copy of what I signed. I want to know exactly what I 'm paying and how much interest and fees are. I think something wrong is going on here. I think a loan shark would give a better interest rate than this company. 
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Credit Acceptance corporation are falsely reporting on my credit report which has been hurting my ability to purchase consumer products from other companies. My identity was stolen and used years ago with out my permission with Credit Acceptance 6 years ago. I filed a report and also notified them that I never co signed a loan. I was told that it would be taken care of but instead Credit Acceptance has been listening negative payments on my credit report for a vehicle I have never seen nor have any ownership of. Now it 's list repossessed on my credit report which makes it very difficult for me to get a fair rate on an auto loan. I request this this company send me all the original contracts that they said I signed or delete themselves from my credit reports immediately.
Citi bank has caused me a great deal off wasted time and money. I have attempted in good faith to make multiple payments to Citi with my credit union checking accounts. In times past ( XXXX ) the account information worked perfectly fine. Recently, when attempting to make payments my payments were returned. I use the exact same payment information for every credit card payment that i make with all financial institutions ( XXXX, XXXX, XXXX ) and these other financial institutions have no problem making my payment with these checking account numbers. Because of issues with citis payment processing i have been charged fees ( returned check fees ) which are undue because the issue was not with me but with Citi 's payment processing system. I contacted my bank who advised that paying with the account information that i provided is the correct way and would be processed by the banks. I have attempted to correct the problem with a customer service representative in XXXX. They had me use the account number at the bottom of my check book which they were n't able to process. I can prove there was money in the accounts at the time every payment was attempted as well as show proof that other financial institutions have, and continue to accept payments from the checking account information that i have used in times past. I personally believe that there was a technology change, programming change, or code change that occurred at citi with their payment processing systems which has caused payments like mine to be returned now when they were accepted prior. I was never informed that there was a system change which would require me to change the way I made payments with Citi. I believe this is a broader issue impacting other customers as well so someone needs to speak with the head of payments processing/technology and research what changed and why it changed. I am a compliance manager for a competing bank within their small business credit card division and fully understand how small program or system changes can impact a customer segment.
This is regarding the house we rent in XXXX. The XXXX XXXX XXXX is continued to collect money from us stating we owe them money. We moved out the house on XXXX XXXX, 2014 to moved to XXXX. I let the XXXX XXXX XXXX know that we will be leaving on XXXX XXXX, 2014. We let them know, that my brother is going to give them the key for the house and they said, it will not be a problem. My brother had asked him to go with him to to check and inspect the house with him but refuse to do it with my brother. 

The HP Sears Agency is collecting money from us stating we owe {$1000.00}. The house was in a good condition when we left, but they stating there 's some repair that they did in the house and plus the shampoo and cleaning. We had a deposit for {$1200.00} in that house that they never return to us. 

Now, the XXXX XXXX XXXX had pass bill to the HPSears collection and asking us to pay for this bill. 

I am writing to dispute this bill and we know they have intended to ruin our credit. I do n't know what steps I need to do in order to stop this collection.
I am trying to resolve a derogatory statement on my credit report, but Navient can not seem to locate my account, nor provide a reason as to why they are still reporting on my account. 

I do not understand how they can report on the account without knowing who they are reporting against.
I went through the process of filing an out of state title transfer for my vehicle. The original RI title was mailed from Wells Fargo to the Maine XXXX on XXXX XXXX, XXXX. The Maine XXXX transferred the title to Maine and mailed back the title to Wells Fargo in the provided Wells Fargo envelope on XXXX XXXX, XXXX. Neither the Maine XXXX or Wells Fargo have a tracking number for the envelope mailed. I need a copy of the Maine title to be faxed from Wells Fargo to someone else so that I can sell the vehicle and get out from under the loan. Wells Fargo has told me that they have n't received the Maine title, even though it is past XXXX business days. I believe that since they know I am in the process of selling my vehicle, they are purposefully giving me the run around in order to continue to collect interest.
I bank with chase about 2 months ago my account was compromise the bank failed To contact Me they let somebody go in the bank and put a {$900.00} check in never detected it was fraud as result of that they closed down my college Account due to them not doing there job to protect my account and they failed to give me back my college account when costing down the old account so now have to pay {$12.00} maintenance Fees which I feel its not fear since they didnt protect my account. I think I should have got another college account because thats what I had before my account was compromised its not fear to have someone have to pay {$12.00} a month when I was paying {$6.00} a month I feel that I was done wrong they never protect my account they let someone go in the branch and put a {$900.00} check in. Never ever said nothing only way known was checking the account
I spoke with the clerk of court and ask her about [ CASE ID XXXX listed from the three credit reporting agencies on my credit report as verified and she informed me that The United States bankruptcy court for the District of Alabama FED BK CT does not provide any information to any credit bureaus or third party. She also told me pursuant to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a debtors social security number along with their full name can be released and in order to obtain a debtors full social security number, a third party must file a motion with the court to unseal documents related to any cases so the reporting was false. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them from the bankruptcy court and not a third party. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness.Please attach the evidence of this bankruptcy to this complaint. This bankruptcy do not belong to me and should not stay on my file for 7 to 10 years this is violation of the FCRA
I RECENTLY PULLED MY CREDIT REPORT FROM EXPERIAN, XXXX AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT ( BANKRUPTCY -DOCKET NO : XXXX  ) IS BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT. THIS HAPPENED BECAUSE OF IDENTITY THEFT. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS.
# 1 Experian is reporting XXXX as well as XXXX funding and it is the same account. that is double jeopardy and must be removed as only the company that actually holds the account can report the account. If they are both reporting it, it looks like I owe twice the amount on my credit summary. The original creditor does NOT hold the account anymore, therefore it must be removed or must show that it was transferred to another company, which it does not. Please see credit report that is attached. 

# 2 I 've notified Experian that they have the wrong filing date on the bankruptcy and they came back saying that " bankruptcies will stay on your credit report for 7-10 years ''. I never asked how long they stay on there! I also wrote the court and their response was that they dont do any verification whatsoever with the credit bureaus and so, in consideration of the fact that they can not verify this and that they are reporting it incorrectly it must be removed. In addition, I did not give my authorization for them to report it on my credit file pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;
Nelnet is one of my student loan lenders. They refuse to send my correspondence via paper mail even though I have opted out of e-mail. In addition, I have been locked out of my account several times. 
I have called several times and have received pushback from the customer service agents regarding transparency of my account. I qualify for and applied for the IDR, income-driven repayment plan. When I applied in XX/XX/XXXX, they stated that " it was too early. '' When I tried to apply for it again in XX/XX/XXXX, they told me " that I had to submit a letter with a description of my income. '' When I stated that I had no taxable income, they continued harassing me, even though the letter is not part of the terms of the agreement. I am on the IDR with my other two lenders, XXXX & XXXX. XXXX recently got bought out by Nelnet, so I don't see how they can't streamline the process.
I used to have an XXXX XXXX XXXX card. The account balance was {$0.00}. XXXX XXXX closed my account on XX/XX/XXXX. They sold my account to Barclays BANK DELAWARE. I screen and monitor my credit Weekly and received a notification from XXXX XXXX Website and realized that my credit score was below the usual number I had. When I looked closely, I realized that my score was affected by BARCLAYS BANK DELAWARE. They claimed I owe a balance of {$180.00} of {$8500.00}. To my surprise, I never received a card nor activated my credit card from this bank. I called them on XX/XX/XXXX and they told me to create a complaint to your company because they have no control or are able to correct this error. They verified that I never activated it. By all means, I am not paying an APR balance of a card that I am not using, and since it 's late, it 's accruing interest. Please help me with this matter and fraud.
Lender altered my loan without our consent from the principal amount of {$250000.00} ( mortgage and note dated XX/XX/XXXX ) to the principal amount of {$260000.00} ( mortgage and note dated XX/XX/XXXX ). When I discovered the two mortgages and notes. I requested to see the mortgages and notes, but the lenders attorney told us in a letter that no legal authority exits that allows you to demand an inspection of the collateral you gave in exchange for your loan. After the XX/XX/XXXX refinance from the lender, I have never taken any loan from any lender. As at today, I have not seen the note dated XX/XX/XXXX. I believe the Mortgage and Note dated XX/XX/XXXX was copied/altered from the Mortgage and Note signed by us ( me and my wife ) dated XX/XX/XXXX, which lender has refused to make available to us.
Today, XX/XX/2016. I visit the M and T bank in XXXX, XXXX MD often. There is only XXXX tellers working and sometimes XXXX which cause the. I went in there one time it was a teller working the drive thru and window. The line was extremely long today and there were only XXXX tellers working. XXXX teller was working the drive thru and the window. The lady behind the glass said it is the first of the month, that is more reason they should have more than XXXX teller at the window. I understand that it is the XXXX of the month, but I have gone to this bank at other times and it only XXXX teller working the window and the other at the window. It is frustrating and others complain as well. I am considering doing my banking at a different bank. This particular bank happens to be closer to my job. For better customer service it is worth it. I am writing for those XXXX people, and working people that my not have a choice but to use this bank. I hope something can be done soon. I hear this particular bank is always like this. I told the bank manager, I assume that 's who she was, that this is not right. Then she began waiting on customers. I hope this helps and hopefully M and T bank will employ more tellers.
I made a payment of {$490.00} to cover my {$380.00} payment and {$110.00} in late charges. The next month when I paid on time it said I still owed a late charge. While on the phone going over my transaction history they explained that out of my {$490.00} payment, {$410.00} went to principal and interest, which is over my monthly payment amount and left the remaining go towards late fees which still left {$30.00} in late fees which was then accruing interest. I pointed out the payment was not allocated properly to which they denied and just waived my late charge. My concern is if my payments have been misapplied in relation to P & I and any fees throughout the entire repayment term.
I submitted the attached dispute letter to Equifax via certified mail tracking # XXXX which according to the USPS tracking website was received on XX/XX/2018. The original letter was notarized and included a copy of my TN drivers licence and social security card to verify my identity. To date I have received no notification that my dispute was acted upon and have seen zero activity on my Equifax report in regards to active investigations of my disputed items. I find this an issue being several of these same disputed items were actually investigated and corrected and/or removed from my XXXX and XXXX reports. This is important to me because this impacts my credit score and I find it disturbing that Equifax of all credit reporting agencies would completely ignore my dispute when they are responsible for a massive breach in which millions of consumers are at risk. This is absolutely unacceptable. By law Equifax must consider my request to investigate and if they can not verify that the negative item is true, accurate, and complete, then they must delete it. Equifax was supposed to have responded to my request to investigate within 30 days of receipt. This did not happen and thus I am filing complaint. The FCRA requires that if Equifax can not correct or doesn't verify within the statutory period, they must delete the disputed information.
This problem began in the year of XX/XX/XXXX when I was not able to make payments on my account with XXXX ( XXXX Credit Card ) because of hardship. XXXX sent account to XXXX, NC XXXX in which XXXX filed a Judgement against me. Went to court and it was determined that I owed {$16000.00}, plus costs in the amount of {$190.00}, total judgement of {$16000.00}. 

Beginning in XX/XX/XXXX to XX/XX/XXXX I was making payments of {$20.00} to {$25.00} consecutive. I stopped making payments because I was faced with another hardship -- I had XXXX XXXX in XX/XX/XXXX -- had XXXX XX/XX/XXXX. XX/XX/XXXX I had XXXX. 

The big problem now is that I 'm been harassed by Parnell & Crum, PA, Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX, AL XXXX who says that I owe {$18000.00} and will settle with the amount of {$9100.00}. Since XX/XX/XXXX I have asked Parnell & Crum not to contact me because I will pay XXXX directly and have sent payments directly to XXXX Processing Center. How Parnell & Crum got this account I do n't know. I want Parnell & Crum to stop contacting because the Judgement is in Court and in the Credit Bureaus. I think that Parnell & Crum is trying to get {$9100.00} and then might try to get the other half. 

If you need any documents -- I will send them to you. 

Debt is not fully paid