WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a car in XXXX, which was financed with Flagship. When my first payment was due I established a user name and password on their website to process my payment. I processed the first 4 payments online without any issue. Then sometime after that I missed my payment by 5 days, which I requested to have my payment changed to the last day of the month, as that is when I get paid, and Flagship informed me that it is their policy to not accept any payments between the XXXX and XXXX, as I tried to login to make a payment I received a message that my login for online banking did not exist and I needed to call customer service. I called customer service and was informed that customers that are 1 day late are locked out and have to call customer service to make a payment. The caveat to making a payment with customer service, is you have to pay a {$10.00} processing fee. Now I realize I was late, however, most banks do give some type of grace period and even if there is a late fee you are not locked out of online payments. Recently Flagship changed the way they allow you to process payments. Now you have to login through the XXXX portal ( one option anyway ) and pay {$2.00} to process any payment. You no longer can just login and make a payment online with out some type of processing fee. It seems unfair that Flagship charges a fee regardless if your payment is on time to use they online system and if you call to make a payment, you no longer have to pay {$10.00}, but you have to pay the {$2.00}. If you elect to have reoccurring payments automatically out of your account there is no processing fee. So basically unless you sign up for reoccurring payments, you pay a fee to make a payment. 

Is it legal for Flagship to lockdown the XXXX - XXXX ( XXXX ) for payments? 
Is it legal or fair for Flagship to charge a fee for online and telephone payments? 
Is it legal or fair for Flagship to lockdown access to online payment processing when you are one day past due? 
Was it fair for Flagship to remove the option of making an online payment without having to pay any fee? 
I would like Flagship 's policies and procedures and reviewed for appropriateness. I feel this is unfair and deceptive acts and taking advantage of consumers with less than perfect credit.
I submitted a dispute via certified mail with returns receipt requested on XXXX XXXX, 2015 to ensure a guarantee arrival because I was concerned as to why a withdrawn tax lien is still showing on my credit report with Equifax. Equifax received this on XXXX XXXX, 2015. This information was incorrect and I asked them to dispute it and they never did. It was never listed as in dispute as I am monitoring my account with their monthly subscription program. My concern is that they were not able to either understand me or my dispute was ignored because they sent me a letter stating that they did not locate anything like that in my file. I specifically stated that there is a withdrawn and inlaid tax lien released from my name in XXXX XXXX, 2015 and it is still appearing on my credit report. Paper were submitted to have Equifax update this account and remove it from my credit report. The XXXX XXXX County Registrars department has formally withdrawn and removed it from my name because it was incorrectly placed, as the taxes were indeed filed on time and appropriately. By law Equifax must remove the invalid tax lien for the released amount of {$1600.00}. I do not understand what is so difficult for them to see, it is right there on my credit report. I am concerned that they are ignoring the issue and do not want to update my credit file. I paid over XXXX dollars for them to receive my formal dispute and they have not even addressed the issue. I even stated that it was a public records concern and they did not reposed or investigate it. Their entire reinvestigation seemed to have been done in a few days time, I sent the letters on XXXX XXXX and they responded so quickly and shut me down. I am so extremely concerned as I need to correct this invalid lien in order to apply for balance transfer cards in order to consolidate my debt. Equifax 's reporting has gotten me denied from XXXX XXXX Bank. Thank you so much and please help me as soon as possible. On XXXX XXXX it will be XXXX days that they have received my Certified Letter, I require this removed by then or I will continue to investigate the unlawful actions and stay tactics by this company.
From XX/XX/XXXX-XX/XX/XXXX XXXX XXXX used my credit card to buy equipment for XXXX XXXX.  I have never authorized XXXX XXXX to make any purchases with my credit card. XXXX XXXX claims they had no idea where XXXX XXXX was getting materials and equipment from. I have reported the fraud to Chase Bank and to the XXXX Police. Chase continues to harass me even though I have already told them I have nothing to do with these charges.
I purchased my XXXX XXXX XXXX XXXX XXXX with a cobuyer. Made all my payments on time. I was no longer in communication with the cobuyer shortly after purchase. Come XXXX XXXX I got into a car accident. The accident was the other parties fault and I took the vehicle to a repair facility of my choosing for repairs to be fully covered under the other parties insurance. While my vehicle was being repaired ( fully tore down, parts ordered ) the cobuyer came to the repair facility with his own tow truck and took the vehicle without me knowing to another repair facility that I could not find or get ahold of. My repair facility informed me of what happened. I contacted the cobuyer multiple times to get my vehicle back. The cobuyer told me the vehicle was going into a bankruptcy and that I was not getting my vehicle back. I stayed in constant communication with Flagship and they informed me no bankruptcy was ever filed. Because the vehicle was not actively being repaired the insurance stopped paying for my rental. I was forced to return the vehicle and having XXXX kids being a single parent I needed transportation to get them to school and myself to work. I purchased another used car. The cobuyer told XXXX that they were not going to pay on the loan and hide the vehicle until it gets repossessed. I had NO WAY to get my car back and could not afford to pay on two vehicles. I tried to voluntarily surrender the vehicle so that the cobuyer would too then I could redeem, I asked if once it was recovered if I could get it back then and continue to pay on it. I tried to refinance the loan into my own name and was n't able to. I tried everything I could. Flagship informed me that even if I were to regain possession of the vehicle the cobuyer could still come and take it again. So after learning that, I had to let it go. I worked hard to get my credit score up and maintain that loan. Like I mentioned before I made every single one of my payments on time. Due to the cobuyer bullying me out of the vehicle and forcing the vehicle to get repossessed I am now stuck with this loan, a charge off, and a repossession and I truly do n't believe it 's fair. PLEASE review the whole situation and all the calls. This situation was well out of my hands and I had to take care of myself and kids unfortunately resulting in letting the vehicle go.
A collection company XXXX XXXX XXXX is attempting to collect on an account that is already settled with the original creditor. The account should never have been sold to any other collection agency and to the knowledge of the original creditor XXXX XXXX XXXX XXXX XXXX XXXX it was not sold. XXXX XXXX XXXX illegally obtained my information AND are attempting to collect on a debt that has been taken care of. I did not give permission for my information to be passed around and abused. Experian is assisting XXXX XXXX XXXX in violating not only my HIPPA rights but also my consumer rights by allowing the company to continue to report. I have previously filed a complaint Experian responded that they were still working on the CFPB complaint when they in fact closed my dispute without further investigation.
In the month of XXXX i opened a checking account and in the month of XXXX someone started making transactions with out having XXXX to my card. which makes me think that my card has been duplicated. The following dates are from the transactions that i did n't do and did not give authorization. 
XXXX XXXX transaction of {$35.00} XXXX XXXX transactions of {$32.00}, {$94.00}, {$100.00} XXXX XXXX transaction of {$61.00} XXXX XXXX transaction of {$100.00} XXXX XXXX transaction of {$230.00} XXXX XXXX transactions of {$32.00}, {$4.00}, {$240.00}, {$440.00}, {$87.00} XXXX XXXX transaction of {$12.00} XXXX XXXX transactions of {$32.00}, {$20.00} XXXX XXXX transactions of {$11.00}, {$41.00} XXXX XXXX transaction of {$34.00} XXXX XXXX transaction of {$34.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} In the month of XXXX, I noticed what was going on because i was going to withdraw money from my account and there was no more funds available for the amount of {$1500.00} that i needed.Therefore i went to the bank to get an explanation. The bank only told me that that they would only be able to respond for the month of XXXX and XXXX and they could n't do anything about the previous months for XXXX to XXXX. At that moment i asked for my account to be frozen and i was told that there was no problem with that and i was even given a new card with a new number. On XXXX XXXX i received a call from the bank around XXXX PM. In which i was asked if i gave authorization to a transaction of {$50.00} to which i said no. On XXXX XXXX i went to the bank with my daughter and spoke to XXXX. Who was n't able to give us any information in regrades to the call that was made the day before form there branch to me. Since she was n't able to give us any information she called the XXXX whose name is XXXX XXXX and asked her is she was the one who had called me. she said yes but that it was only to inform me that i was getting {$100.00} back for the month of XXXX and XXXX. Which is not true. I was n't told that at the time of the call. After that my daughter asked to see where in the system it said that the account had been frozen and XXXX said that there was n't anything indicating that the account was frozen. So i asked for my account to be frozen and to show me where it said that i wanted my account to be frozen. XXXX put a note on all windows that said that i could n't do any type of transaction unless i went to the bank personally until i gave the order for that to be removed. From there XXXX said that the bank was going to investigate but the investigation could take up to XXXX to XXXX days. Which i agreed to because this account is from my money and i trusted the bank. That is why i need to get my money back.
The car was not clean title it was involve on an accident cause it had several important part missing on the suspension. Broken parts in half. Control suspensions screws. Pay the car for two years till i found out the truth. Then the company didn't wanted to help me. Ended up giving the bmw back to them. I was con.
I responded to a solicitation for a home refinance Blue Brick Financial sent me to me in the mail. The representative I spoke with did not make it clear that I was at risk of having to pay for the home appraisal fee if they did not go through with the loan which they now say they can not provide. The representative did not preform any due diligence on his part to research my home 's value to access beforehand if the loan to value was out of range. Also, the representative also stated several times this was a " no fee '' loan and Blue Brick Financial would refund or credit back the appraisal fee in the closing process. They never made aware that I have to pay if they do n't complete the loan process. They also charged my credit card with out my prior authorization.
I am filing this complaint becau se   XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to * ... promptly delete all information which can not be verified ''. That I have disputed, please resolve this manne r as soon as possible. Thank you.
I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here are my disputes : XXXX XXXX XXXX XXXX # 1 the date " XXXX/XXXX/XXXX '' does NOT exist yet and I 'm sending you proof AGAIN # 2 the docket # XXXX is NOT correct # 3 XXXX is NOT a court and you need to have the city and state listed # 4 " A : '' is not a liability *You need to remove this account immediately and I 've already notified the Consumer Financial Protection Bureau as well as the XXXX in this illegal matter XXXX XXXX # 1 the company name must be listed in a manner that I can understand and not just lazy acronyms # 2 the open date for Equifax states XXXX/XXXX/06, XXXX states XXXX and only XXXX of you is correct # 3 you have this account listed as included in a bankruptcy and it was NOT # 4 all of the lates that you have on this account PRIOR to it be " included in a bankruptcy '' are incorrect and inaccurate and all payments were made in compliance with negotiated schedule, so I require the documentation that you have in your files that prove that you are reporting this account correctly and completely.
I received a phone call at my place of business today ( XX/XX/18 ). The person on the phone identified himself as XXXX XXXX and in a very rude and condescending tone informed me that XXXX XXXX XXXX wanted to settle a debt with me. When I requested to have everything in writing, he became belligerent and stated that he will just contact my payroll dept. I told him that he is not to contact me at my job and ended the call. He called right back and I answered the phone. He did not realize it was me that answered and proceeded to disclose his reason for his call which he is not supposed to do. He proceeded to be very abusive in his tone and language and stated Ha!, you think I can find the number to you payroll dept.? Your worker is in the wrong. The abusive phone calls need to stop.
Seterus stated in its letter dated XXXX XXXX, 2017 that " in order to make a payment by phone your loan must be in good standing ''. Is this an old policy or a new one? If it is an old policy, have you stated in any of the documents you supplied to home owners? Please answer YES or NO. If it is a new policy, when did it go into effect? Please give the date. 

Please save me from long responses without answering the question.
SLS is attempting foreclose on my home a fraudulent robo signed assignment. The assignment was created after the cut off date of the pooling and services agreement filed with the U.S. Securities Exchange.I also revoke the power of attorney that XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX has. I have sent 2 QWRS and a debt validation letters. I submitted a complaint on XX/XX/XXXX, and they still have my home in foreclosure
They have been calling my cellphone after I repeatedly told them i am at work and they cant keep harrassing me sometimes its a machine sometimes a live person they call say something and hang up. U was told because i couldnt post date a payment i wasnt allowed or qualified for a special program and i didnt have the right to call in on my pay to make a payment on my own they refused to stop the calls and refused to remove my number
A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from XXXX, Experian and XXXX. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.
I am uploading proof from a copy of my XXXX credit report proving that an account XXXX XXXX XXXX and XXXX were deleted off my credit report. XXXX and transunion just keep updating these accounts that do not belong on my credit reports. I have been disputing this information for months now. XXXX and transunion want a copy of another report that I have that proves these accounts were deleted. I am uploading the proof. I get nowhere when I contact XXXX and transunion
TJmaxx Reward/Synchrony. and or their collection deptarment. They are calling my Work phone! I would like them to stop. They have my cell phone number, they have my email, they have my address. They Do Not have to call my work phone. They are going to get me fired! I have my cell phone on vibrate at work, I can not answer it at work. They are calling me every half hour, and from various different phone numbers. XXXX XXXX XXXX etc.
Hello, I am writing to dispute a collection reflecting on my credit report. 
Creditor : XXXX XXXX Amount : {$190.00} Date Opened XX/XX/XXXX This shows it's a debt for a medical payment. I do not recall this payment and was not notified of this bill until I pulled my credit recently. 
I have called this creditor to get this resolved but they can not guarantee this can be removed. 
I would like to request this debt to be Removed from my credit report. 
Please let me me know what I have to do do get this removed especially since I do not know what this debt is for. 

Thank you, XXXX XXXX
My estranged wife listed me as an authorized user on her credit cards with Capital One. She missed three payments ( I had no access to pay the bills ) last summer somehow and I asked to be removed as an authorized user because of this. I was removed as the user and the debt amounts were removed, but the payment history was not removed. When I contacted Capital One, they said they could not speak with me regarding this because I was not a card holder.
I opened a secured credit card with Capital One in 2010.  The credit card mail me back the deposit and make my credit card unsecured. The problem is how I can use a credit card with {$500.00} dollars limit without be lower than 30 %? I travel a lot internationally. My income is very higher and I have 7y history of credit report and excellent score. I 've being using XXXX card because they gave my high limit and already increase without I 'm asking. 
I would like to have a fair credit limit and better relationship with Capital One.
rushmore loan management services is not applying my payments sent by XXXX on time in order to allegedly generate late fees and retaliation for me complaining to the uscfpb for not applying m y payments on time. it is all over the internet they do this and they refused to allow my bank and bill payer service to send my payments electronically by federal reserve ach money transfer that would end all of these games they play. 

so I sent the following message to rushmore and my bank 's bill payer service told me they mailed the payment from XXXX, California to rushmore in XXXX California and XXXX XXXX, 2015 and received by them and as of XXXX XXXX rushmore still has not answered my previous complaint to uscfpb not given me my amortization schedule for this predatory loan that I never applied for and complained to the XXXX credit bureaus that it is not my loan and never applied for it and have no settlement documents for. 

so here is the message i sent t o rushmore loan management services. 

my bill payer service sent me a notice that the payment for XXXX 2015 was mailed to you from XXXX California on XXXX XXXX, 2015 and you received it on XXXX XXXX, XXXX it has not been submitted by you for payment. it seems you did this last month and credited my payment after the grace period on XXXX XXXX, XXXX allegedly holding the payment for crediting for 8 days before applying to my account. this time you still have n't applied the payment. the payment was mailed to you and the money is in the bank to pay it. why not stop playing games in order to generate late fees. it is all over the internet you do this illegal practice. 

please apply my payment immediately. I have contacted my bank and their bill payer service to find out why you have n't applied my payment for XXXX 2015 per your letter to me to that effect that I received on Saturday XXXX, XXXX, 2015. 

as I said they still have not answered my previous complaint and when I called them in XXXX they solicited me to do a loan modification when I have never been late or behind they are doing this to manufacture a default by not applying the payments. and coordinating with XXXX bank that also manufactures defaults by not applying payments.
Submitted a XXXX dollar check to wells fargo, believe had the amount in father 's XXXX life insurance account, in fact, apparently did not, banker showed returned check, promptly went and checked, and came back to the bank and submitted a XXXX check which did in fact have the full amount of funds available, which did in fact clear. believe the bank had " mistakingly '' initiated the XXXX check again, and apparently this XXXX time time bank initiated XXXX run of the check was enough to close an account built from a year long developed opportunity account, at a time where am currently on my own, post a father 's passing, securing living space, and closed the account. 
XXXX and XXXX XXXX XXXX, XXXX number XXXX were the people call center sent to the call to.. prevented being able to pay for a hotel, etc. absolutely no fraudulent activity. absolutely would be a period of two days without any direct funds from my own personal account with no fraudulent activity. am very concerned on the activity on the decisions and would definitely like further research in direct integrity and of a genuine nature. 

Also have other issues which can then submit, and may consider a full and entire filing of entire banking experiences.
On XXXX/XXXX/16, I attempted to log into the Citi prepaid site to check my balance information for my XXXX XXXX payroll card. After several attempts to enter my password and getting rejected, I bypassed the login and entered my card details to see my transactions. I was extremely shocked to see that someone had made an unauthorized bank transfer of {$4900.00} from my account on XXXX/XXXX/16. I immediately called Citi Prepaid card services to report the fraudulent transaction. They placed a block on the account to prevent any further fraudulent activity and issued me a new card by mail. They informed me that the fraudulent transfer was made using a XXXX account of unknown origin, a bank I have no affiliation with. They told me to check back every few days to ask about the investigation, but that was it. They did n't offer to credit me the missing money or anything. I filed a police report the very next day and forwarded the case number to Citi by phone shortly afterward. As of XXXX/XXXX/16, Citi says my account is still " under investigation '' and although they issued me a new card, they refuse to remove the block on my account. They have already had 10 business days to investigate this matter ( my account is more than 30 days old ) and according to what I 've read on this site, they are supposed to credit me the missing funds while the investigation is ongoing. They told me the investigation could take 45-90 days to complete, and that they can not remove the block from my account while the investigation is still ongoing. In the meantime, I have bills to pay and no way to pay them. Talking to them Is getting me nowhere, and I am becoming very frustrated.