WillisBack/dataset-financial-user-claim huggingface dataset:
I received a prepaid debit card from XXXX and issued by Citi. The card was loaded with a predetermined amount, and specifically states that you can not reload the card or obtain more funds than are listed on the card. The card now has a negative balance. I contacted Citi by phone to determine how this is possible given their rules and that it really should be impossible for such a thing to happen. They stated that I had tried to make a purchase greater than the amount on the card and that it was approved due to a glitch or lack of a mechanism in place by the merchant to check for available balance. Now, I am told that I may be subject to undisclosed fees or debt collection if I do not submit a money order or cashier 's check to an address provided to me by customer service. I 'm told that I 'll just have to wait to be contacted by the " risk department '' and they ca n't tell me if the debit balance will be turned over to a collection agency or what, if any fees may be applied to the debit balance while I am waiting to receive a request, in writing, that explains how to deal with this matter. I think that the burden here lies with Citi. They should have had a mechanism in place to ensure that a transaction greater than the card balance would have been declined. This is a poor and murky business practice that places undue burden upon the consumer. I would like to be contacted by someone at Citi and to be provided with a written explanation of how to resolve this matter in a timely manner.
The original creditor of my debt is XXXX XXXX in the amount of {$360.00}. This debt is delinquent since XX/XX/XXXX in which it had gone into collections. Moreover, Pinnacle Credit Services which is a debt buyer bought this debt XX/XX/XXXX. Furthermore, on my credit report it states debt was opened XX/XX/XXXX which is false information and is called parking an old debt and violates FCRA guidelines.
Hello, I made a complaint before, but was misunderstood. Navient has been servicing my federal loans until XX/XX/XXXX, and then transferred to ED. I consolidated all my loans ( XXXX XXXX, XXXX XXXX, etc ) back in XX/XX/XXXXwhile it was under service by Navient. Navient left out 7 loans from XX/XX/XXXX & XX/XX/XXXXfrom the consolidation and never offered to add this loans back into one consolidated loan even though they were eligible. I am left with a balance of {$120000.00} because Navient failed to consolidate and gave me inaccurate and incomplete information regarding all the loans that were under their service.
After comparing credit cards on a consumer finance site ( XXXX ), I selected a Chase Slate credit card that offers 0 % interest on balance transfers for the first year or so. I have a Chase Amazon card but we are selling our house right now and the card balance has been increasing while we wait to find a buyer for our home. I wanted to transfer the balance to Chase Slate to take advantage of the tools. I applied online and Chase pulled my credit. I was not provided an online result and the site indicated I would receive a letter. I 've never received anything. I still do n't know what happened. I suspect Chase does not want me to transfer my balance from one Chase card to another because they are currently making interest on my balance. However, I did not find any limitations on applying assuming you can qualify. I have no idea what happened and have not provided any documentation. That was well over a month ago. We 're just waiting and waiting.
XXXX and USAA have continually raised my escrow payment to compensate for their misdeeds. In approximately one year of having this VA loan there have been three escrow analysis and two payment increases. This is highly unusual and unheard of. 

The first increase, which has already been reported to CFBP, was due to USAA and XXXX targeting and discriminating against this Veteran. They willfully misappropriated my escrow account funds, charged me twice for a hazard payment depleting my escrow account and refused to refund the money they forced me to pay in unsupported fees and escrow " shortages ''. 

I went to pay my mortgage in XX/XX/XXXX only to find XXXX again raised my mortgage payment after performing a third escrow analysis or the second in less than a month. 

Both USAA and XXXX have refused to provide a single point of contact within their company to address this matter and insist that I make numerous calls to talk to XXXX and then USAA even though XXXX is the servicer for USAA. 

I am continually pushed to various agents within XXXX, left messages with no contact names or numbers, calls never returned, charged unsupported fees and forced to spend months pushing them to address these matters. All the while XXXX collects " shortages and unsupported fees '' they refuse to return.This is targeted harassment and discrimination. 

XXXX has refuse to fix their own system and have cause significant amount of distress and suffering. XXXX points to USAA and USAA points to XXXX to fix the fraudulent increases while neither do a thing and charge $ XXXX in unsupported fees and $ XXXX in escrow " shortages '' that both USAA and XXXX admit they created through deceptive acts of double charging and using escrow money for purposes not contractually intended while pocketing the unused portions. 

Simply put USAA and XXXX have continually used misused escrow funds at the expense and peril of the owner.
Hello- I took a loan about 5 years with Regional Acceptance corp , loan was paid in full sometime in XXXX or XXXX in 2016, sometime in XXXX I contact Regional to get an update on the mail of the title and I was told that the tile was mailed to my address that I needed to wait a few days, a few days went by and I told them that I was still waiting on the title and their recommendations was to go to the XXXX office to request a duplicate, I been to XXXX different locations trying to obtain this document and up until now I been unsuccessful to do that, at XXXX they are telling me that they need a Lean release from XXXX in order for them to complete my request, XXXX is part of the corporation own by Regional Acceptance. I have contact Regional multiple times and request the lean release but instead the paper that they have provide me with is not the correct documentation. Im attaching copies of Statement of act, Power of Attorney & XXXX statement of fact obtain from Regional each time I have placed a call requesting the lean release. I can use some help since I do n't know what else to do or where to go. Im also including a copy of the registration /title inquiry from XXXX and a copy of the Application.
I was charged for damages on an apartment. I paid within a few months. 9 months go by after that and I get another statement. The collection agency never notified the apartment company and my credit score dropped significantly.
The vehicle was reposed, but was paid in full with my so #. They are sharing and selling my social security and my personal indo to others
Equifax mishandled my credit information, which puts me and millions of other people at risk. Currently, I am listed as a potential victim according to their XXXX website, and would like a resolution.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - XXXX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting XXXX is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request verification/validation of the debt including the following :
My credit score dropped 89 points in two weeks with no changes to my credit report, I contacted XXXX XXXX  and XXXX XXXX through XXXX XXXX and both advised it was a transunion issue. I contacted transunion and they advised that what the two services were reporting was completely wrong and much lower than what my credit score actually was. So, I went online and purchased services through transunion to find out they had in fact droped my credit score 89 points with absolutely no negative changes. I am completely mystified at how credit bureaus can do this to people without any good reason. Our credit bureau system is broken, disputes never get resolved, information is continually incorrect, items that are older than the allowed are still on the credit report even after disputing them. Something needs to be done. They blatantly lied to me on two separate conversations to get me to spend money to buy my score all to find out they were one, lying and secondly actually did drop my score with no changes to my report.
I had several different accounts with USAA. Due to ongoing rudeness, lies and general incompetence, I moved all my business away from them. I no longer have any of my financial business with them. They still have XXXX credit inquiries being reported on my credit report. Since I have no financial business with them and never will, I think it 's fair that these be removed. But USAA is doing all they can to damage my credit. My score was XXXX before they started their campaign against me. I want their inquiries removed. Can you help me get that done?
Comenity Bank continuously keeps charging me late fees when their payment methods are not functioning properly online or over the phone. Their customer service representatives are very rude and disconnect the phone on you when often. Comenity Bank has reported inaccurate balances and late fees to the credit bureau to damage my credit.
I received a collection notice from a business that claims to be a debt collector. They are supposedly acting on behalf of another business, which is shown on the notice I received to be the " current creditor ''. The notice also shows another business as the " original creditor ''. 

I never received any type of notice from either of these XXXX businesses telling me that I owe them anything. It is because of this that I do not believe this is an actual debt. It is most likely a fake debt that this " debt collector '' is using to collect money for themselves. 

The notice shows me owing {$960.00} to XXXX XXXX XXXX, which is shown to be the current collector. It also names XXXX XXXX XXXX as the original collector. 

I am told in the notice that I have XXXX different ways I can pay off the amount I owe. I can make a one-time payment of {$290.00} and settle my payment in full. Doing it this way would save me {$670.00}. It also shows me being able to set up a payment plan of {$57.00} every month for six months to pay off the entire amount due. My final option would be to pay the amount I decide I can afford to pay monthly, which would have the entire amount repaid after the number of months needed to pay off the entire {$960.00}. 

The name and address of the business claiming to be this debt collector is : Total Card , Inc . 
XXXX XXXX XXXX XXXX, SD XXXX # : XXXX is also stated that I have thirty days to contact Total Card, Inc. to dispute this notice. If they are not contacted, this notice will be considered valid. 

The notice also says that the company they are representing will not be able to sue me because of the age of this debt, but it does not show me anything regarding any previous transaction date for any type of business that was done for me by XXXX. 

I have already filed a complaint with the XXXX regarding this notice, and my response back from them mentioned you as another agency that I can contact regarding this debt collection and whether this attempt to collect a debt is even considered legal. 

I have kept the original notice that I received from this company, along with both the envelope it was sent in and the return envelope. I would like for you to contact me back to let me know if you feel I should send you this information.
I thought the problem was resolved but it seems as if I am having the same problem. For your review and consideration I am enclosing a letter from Fed Loan servicing dated XX/XX/XXXX stating that my monthly payment was recalculated at {$300.00}. I am also attaching a letter dated XX/XX/XXXX that sates my monthly payment has been recalculated to {$440.00}. This amount is very close if not identical to what it was when I contacted your office originally. 

I would respectfully stress that I have not submitted any additional documentation to fed loan servicing regarding my income since XX/XX/XXXX. They are using the same exact documentation they had when they issued the letter on XX/XX/XXXX to come up with this amount. I have not been successful in getting a satisfactory explanation at how they arrived at this figure. 

I would be grateful for your assistance in getting the amount back to the {$300.00} that it was previously. 

Respectfully, XXXX XXXX
Capital One Credit Card Capitol one refuses to reimburse me, even though I have done everything in my power to fix the problem they have created for me, cheating me out of money I need. 


I have contacted this company multiple times starting months ago. I am being charge LATE FEES every month since XX/XX/XXXX. I had set up minimum auto payments on this account when I opened it up late XX/XX/XXXX. 
I have emails and statements proving these facts. 

XX/XX/XXXX statement summary - {$25.00} FEE XX/XX/XXXX statement summary - {$38.00} FEE XX/XX/XXXX statement summary - {$38.00} FEE These up charged have caused a very negative effect and I have been forced to pay MORE as a result. 

The manager I spoke to said there was nothing I could do and he couldn't help me. 

Please help! Not sure what I can do and I am being taken advantage of by this company!!!
I have attempted for over a year to get XXXX XXXX XXXX XXXX to correct the reporting error on all three credit reporting agencies. My wife suffered a sudden XXXX XXXX on XX/XX/XXXX, and created a financial burden on us as we are on Social Security, or fixed income. Now she has XXXX XXXX XXXX and needs to be admitted to a XXXX XXXX XXXX and the negative reporting severely hurts my credit score needed for admittance to the XXXX XXXX. I am desperate for help. At the time of my wife 's XXXX XXXX my son spoke with our local XXXX XXXX XXXX who granted an extension for XX/XX/XXXX, provided I pay an additional {$100.00}, per month for 9 months, which I did. I was courtesy called and reminded me and that I was on schedule. I am obsessed with paying my bills on time. An agent I spoke with months ago agreed and said they would notify the Credit Reporting agencies to remove negative late payments. The only one that deleted their negative was XXXX. Transunion and XXXX will not remove theirs based on XXXX XXXX correct information. I have called numerous times and written XXXX XXXX XXXX several times and was rudely spoke down too. They claim it is up to Credit Reporting agencies to correct and remove negatives. Our local XXXX XXXX XXXX manager tried to help but she said that the Mortgage Division would not remove even her request. I have a perfect payment payment record with them. I do not deserve the type of harassment that XXXX XXXX XXXX has leveled on me, especially with the condition my wife is in and us being elderly. The periods are XX/XX/XXXX thru XX/XX/XXXX. Your help will be appreciated.
I received a forebearance as a result of my financial hardship due Hurricane Irma. I repeatedly attempted to work with Seterus regarding a modification. Three days prior to the forebearance expiring, Seterus informed me that I am not eligible for a modification because the loan has been modified 3 times already. One of the modifications was due to funds received by the State of FL due to the hardest hit program. The other second modification had an incorrect amount and the third modification was done to correct that amount and lower the interest rate. Seterus wrongfully denied me the modification. I am a XXXX year old veteran of the XXXX XXXX and I submitted all necessary paperwork to have the modification approved. I only asked that the back payments be added to the principal balance and the loan recalculated.
XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Arkansas  XXXX  Update on  Huntington   XXXX   Huntington National B ank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ohio  Attn : Consumer protection compliant dept.      To w hom it may concern : Huntington b ank registered out Ohio has used an intimidation tactic by unlawfully and erroneously reporting a false statement to the bureaus that made my credit drop by  XXXX  points. I filed a  UCC1  document and submitted it to huntington which they did not want to honor my status fili ng. Huntington b ank then closed my account without proper reason. The only reason they closed it was because I submitted m y UCC1. I have never missed a payment, even after I submitted my UCC1 I was still making payments and waiting for Huntington  to accept my filing document. They then closed my account without a noticed nor a reasoning other than they claimed I told them I would not pay, which my no sense because my bank acct spoke for itself that I was still paying even after I submitted  my UCC1 ba ck in  XXXX . When the bank illegally reported my acct to be delinquent in  XXXX  I called the bank and they said that was a mistake and was going to correct it but never did. They have been harassing me about paying for a closed account. They are trying to get me to pay for a closed account that never should have been closed. I was making payments every month on time until they lied to the credit companies that I wasnt putting in a negative  credit score.   Additionally to having a credit card with  Huntington bank I also had a saving acct that I was paying Huntington from. I never got a chance to pay with any other negotiable instrument since Huntington never ac cepted m  A4V in the  mail. I can proved that I was paying after I submitted my  UCC1 so they claim that I told them I wouldnt pay is a lied on their end. they can see that on their end that I was paying and yet they still closed my account because they did not want to honor my UCC1. I could have stopped paying after I submitted my UCC1 b ack in  XXXX  but I paid  XXXX  and  XXXX . I only stopped paying after they illegally and falsely reported acct to be delinquent making my score drop  XXXX  points. Just ask them for my bank statement from the time I submitted m y UCC1 b ack in  XXXX  of this year.      Sincerely   XXXX   XXXX
Online Information Services placed a collections on my XXXX, XXXX and XXXX credit report. They say that I owe someone for a medical bill. I did have a XXXX that left me XXXX but and I paid all of my co pays and deductibles. I was n't aware that I owed any medical bills so I called them and aske that they send me the information to verify the account. The representative told me that they are not a billing agency and they are not required to send me anything. I was ill and was n't aware that they had reported this on my credit. I only recently got the free credit report and found this account on my credit.
I have filed a fraud report to each credit bureau. The disputed information was removed on XX/XX/18. The information reappeared on my credit reports. I have not received any written notification as to why it was added on my reports again Which Is a violation of my consumer rights. 

The information that was regarded is as follows : XXXX XXXX - {$2800.00} XXXX/ XXXX XXXX {$450.00} XXXX XXXX - {$1100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Last month, approx XXXX/XXXX/XXXX, I received a call from LTD Financial Services regarding a car loan from XXXX XXXX XXXX XXXX, which I have not paid on since XXXX. However, they claimed that I made a payment on this account back in XXXX XXXX of {$10.00}, which is ridiculous. Why would I pay {$10.00} on a $ 6k loan? Not to mention, I was laid off in XXXX XXXX and did n't have any money to pay anyone. I thought this account had fallen off of my credit because it has not been on my credit report for many years. Now, they are sending me letters and calling me to pay a {$6400.00} debt. Someone falsely made a payment on this account, which started the collection and timeline again and I am not acknowledging a debt that is almost 10 yrs old.
capital one is hitting me with a 30 day late on my credit report. 

between XX/XX/XXXX-XX/XX/XXXX i had setup automatic payments via their website. the payments were supposed to come out of my account on the XXXX of every month. for some reason capital one never withdrew the money from my account. 

Capital one didnt contact me via phone until i was 36 days late. i immediately paid the balance owed. 

now i have a 30 day late on my credit report if capital one system would hav eworked correctly or they had contacted me prior to the 30 days, this would not be an issue i dont think my credit should be stained because capital one system didnt work properly. 

at this point capital one has told me there is nothing they can do. i know this to be false. 

i havent been late on this or any other card in the last 7 years.
I have a mortgage with Citizens One Home Loans which commenced in XXXX 2016. The mortgage amortization schedule was incorrect established at inception which they acknowledged. However I believe they made errors when recasting and adjusting the payments which caused inaccuracies in my 2016 YTD principal, interest and escrow balances. I have been trying to obtain resolution for several weeks but despite several requests for them to review my 2016 payment profile, they have not yet responded. Most recently I have been in touch with XXXX XXXX in the Chairman 's Office, who promised to get back to me within a few days, but over 2 weeks later I still have not heard back despite calling him on 2 further occasions.
I'm fairly sure this is a scam. A " company '' called XXXX XXXX XXXX, or XXXX, sent me a collections notice for about {$1000.00} for XXXX XXXX for a hospital in XXXX Tennessee. I have never received any XXXX or other XXXX XXXX in XXXX. There appear to be other complaints about these guys on XXXX, which I already reported to.
I have a Chase-JP Morgan Freedom credit card. Since XX/XX/XXXX there has been a XXXX balance on my card. On XX/XX/XXXX Chase withdrew {$620.00} from my local bank checking account and assigned payment to my Chase credit card - again it had a XXXX balance. I spotted their larcenous action and visited my local bank to stop payment. My local bank did not issue the payment to Chase. I also called Chase to explain what happen. After many conversations and departments, I was told that Chase had an internal problem and " it was wide-spread and they are working on the problem ''. I asked if anybody was going to contact me or if a particular person was assigned to speak with consumers that have this issue. I was told " No ''. They did research my account when I was speaking to them and discovered that the {$620.00} was an exact payment that I made in XX/XX/XXXX to pay my credit card balance. I paid the XX/XX/XXXX payment with a physical check that I mailed to them. How was Chase able to access my banking information in XX/XX/XXXX from a physical check that I mailed in XX/XX/XXXX? I believe that they violated a breach with my banking data.
Answered two times and all u hear is breathing and then they hang up ... looked up the number and its a scammer..phone number is XXXX ... called XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX