WillisBack/dataset-financial-user-claim huggingface dataset:
I made a phone call to Citi Bank ( CBNA ) which is shown on my credit report. It is on there because of a XXXXXXXX XXXX XXXXXXXX Card. The card was paid off in XX/XX/XXXX, I have proof of the card having a XXXX   balance. I am trying to get a home mortgage. Due to them having this on my credit report I need a letter from them. I spoke with 5 individuals one being an account manager who all hung up the phone in my face. When I finally spoke with the 6th person I wad told that I could not get a letter regarding the false information they reported on my credit report. These phone calls happened on the morning of XX/XX/XXXX.
Dear Sir, Today I received a mail notification of " Payment not received '' from " synchronybank '' which is for XXXX credit card. 
I remember that I 've never applied for any such kind of credit card and never been in contact of synchronybank. Also I never requested any such kind of credit card. 
I was using only XXXX credit card which is of XXXX XXXX XXXX. Other than that I never applied for any credit card. 
My current location XXXX, and I do not have any way to contact with synchronybank, because they 've not mentioned any mail communication link in the provided link XXXX 

I do n't have any account with this bank and also they have not mentioned any credit amount in the mail. 
It 's a clear case of fraud activity. So, I request you to please guide me how and what the action can I take against the synchronybank in this situation. 

Awaiting for your response. 

Thanks and Regards, XXXX XXXX
My loans are defaulted. I was told I could rehab the loans for $ XXXX/month and after 5 months wage garnishment would stop and after 9 months the loans would be out of default. I made XXXX payments in XXXX, XXXX, XXXX, and XXXX. When making my payment in XXXX they told me that my payment was now going to be XXXX because they recalculated based on documents I sent in and I had to send a letter back to them. I made a XXXX payment in XXXX and was told none of my XXXX payments count as part of the rehab. I was told the XXXX payment would be counted as my 1st payment. I was led to think each time I made a XXXX payment is was counting toward my loan rehabilitation. My XXXX payment should be and is my 5th payment not my first.
I applied for a mortgage from Amerisave XX/XX/2012 and paid their fees to secure the rate and term. I was baited and switched and never received the loan. This was a scam.
I submitted disputes on my credit report with Transunion, XXXX and XXXX on XX/XX/XXXX. I included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.
I was out of work sick with XXXX, much better and been back to work I asked fofor a re a repayment and was told that I need a lawyer for 4 month I would n't have gotis far
This debt collecting agency reported this debt to XXXX credit bureau and the debt was deleted per violating the FCRA as well as I did not owe this company. They have now reported this debt to another credit bureau without any legal rights to do so.
I requested a Payment History on my vehicle that is financed through XXXX XXXX XXXX ( XXXX  ), which none of the payments have ever been late. This request was initially made XX/XX/XXXX online with a follow-up by telephone to them XX/XX/XXXX. As of today, XX/XX/XXXX, I have yet to receive this information. I tried several times to contact them but once I was transferred the message given was, you have dialed the wrong number though it is the exact number I have called in the past. Today XX/XX/XXXX I submitted a second request. This organization has harassed me personally because I had a bankruptcy that discharged XX/XX/XXXX and their online site refuses to give me any access. I have contacted my attorneys in the past who had oversight of the bankruptcy but XX/XX/XXXX claim they have no information that the discharge has taken place. Ironically, all of my other creditors have been notified but XXXX refuses to allow me access and will not cooperate in providing me information. I fear continual retribution by this organization and it seems as if I will need to purchase another car to be rid of these intentional discriminating and harassing acts. I just need my vehicle payment history. I have no desire to ever speak to anyone associated with this organization.
TransUnion is reporting on there report that my loan with XXXX XXXX XXXX auto loan has missing payments which is effecting my score. This account has been in chapter XXXX since XX/XX/2014. I reached out to a representative at XXXX XXXX XXXX and they do not show any missed or late payments. This representative also informed me that since the loan has been in Bankruptcy for over two years they should not be able to report late or missing payments. XXXX also informed me that they do not even report to TransUnion. I have disputed this with TransUnion about that loan being in bankruptcy for over two years and they said they have no errors in my report. Note the reason I found out is my XXXX is XXXX and TransUnion is XXXX.
I sent a debt validation to this collection agency because I do not recognize this debt. They ignored my written request for validation and continue to report this as an outstanding collection on my credit reports.
I was in the process of changing banks and left my old bank account ( XXXX XXXX ) open since changes to my direct deposit setup were slow in going through. On XXXXXX/XX/XXXX I changed my Paypal preferred method to my new bank ( XXXX XXXX. I attempted to delete my XXXX XXXX  account from Paypal but it would not permit me to do so. I went on a trip that day for a conference in DC and used several XXXX. When I got home, I found out that Paypal had continued to send transactions through to XXXX XXXX  over the weekend, and was therefore overdrawn with overdraft fees for each transaction amounting to nearly {$400.00}. I sent Paypal a message and received an automated reply that they would respond to me within 24 hours. They did not contact me. I double checked that my preferred method of payment was saved as Chase. It was. I tried again to delete my XXXX XXXX account from my Paypal account and could not. I tried to close my Paypal account entirely, but the webpage was non-responsive. I went to my bank and asked them to forgive the late fees, and they agreed to take a little more than {$100.00} off. But by the end of the week, additional automatic transactions for subscription services were sent through, overdrawing me again by more than {$100.00}. I video recorded the problems I have had with the Paypal webpage, but  now I have lost over {$400.00} in overdraft fees because the webpage is unresponsive. Finally, I went into XXXX XXXX  and closed my accounts entirely. This morning I received notice from Paypal that they are still trying to send transactions through.
A Collection Account by XXXX XXXX XXXX, dated XX/XX/XXXX, was placed on my Experian Credit Report. The Original Creditor for this Collection Account is XXXX XXXX XXXX XXXX XXXX . I have no knowledge of doing business with XXXX XXXX XXXX XXXX XXXX, AFTER my Chapter XXXX Bankruptcy filing in XX/XX/XXXX, which is 8 years ago. The Date of First Delinquency, from the ORIGINAL CREDITOR ( XXXX XXXX XXXX XXXX XXXX ), must have been RE-AGED in order to place this Collection Account on my Credit Report. RE-AGING the Date of First Delinquency is a serious FCRA offense. The CORRECT Date of First Delinquency from the Original Creditor ( XXXX XXXX XXXX XXXX XXXX ) has to be over 7 years, therefore this Collection Account is TOO OLD to be on my Credit Report ... Reference FCRA Section 623 ( a ) ( 5 ) ( A ). This erroneous Collection Account is currently holding up processing of my Home Refinancing application.
Phoenix Financial Services began contacting me about a debt that I believe has been paid to a different creditor. I have explained that I am in the process of attempting to validate this debt with the original creditor and to please stop calling me. Since then, the have have called me repeatedly, as often as 4 times in a single day or more. 

When I answered to find out who they are and why they keep calling and explained that I can not verify or validate this debt the man who called me hung up on me.

I have spoken with the original creditor ( a hospital ), and they do not have a record of this debt or a record of the debt being placed with Phoenix. As I can not verify that this is a legitimate debt I will not give Phoenix any money. 

They have called me from : XXXX at XXXX XXXX ( 2xs in a row ) on XX/XX/2018 XXXX at XXXX XXXX ( 2xs in a row ) on XX/XX/2018
In XXXX of this year, PNC Bank closed a XXXX card I held with it since XXXX. I filed a complaint with the Better Business Bureau immediately after. The facts are set forth below. The business was having issues with its mobile payment system. Despite informing its consumers via email, it refused to wave late and interest fees on my account as a result of its system malfunction. The business later closed my account and insisted that it was a my request, which is false. 

I made a payment to my account on its due date of XXXX XXXX, XXXX. There were continual issues with PNC 's mobile app that day ( this has been noted contemporaneously, and copies of said notice from PNC are attached ). Because of said issues, the payment was not submitted until after the cutoff time of XXXX XXXX on XXXX XXXX, XXXX. The representative I spoke with on that day coached me through making the payment via your website because of the issues with the app. They also confirmed making notation to my account of the issues, and assured that any fees in conjunction with the payment being potentially late would be reversed. 

On XXXX XXXX, XXXX, I advised a representative of my XXXX XXXX, XXXX experience, and asked that she review the notes accordingly. Her response was that her supervisor would return the interest to my account, but not the late fee. I replied that if, and only if PNC would not comply with its own policy concerning reversal of late and interest fees as well as the Fair Credit Billing Act ( FCBA ), I would institute proceedings to close my account. 

When speaking to the bank on XXXX XXXX, XXXX, XXXX XXXX credited my account {$25.00} for the late fee, and explained by admission, that what occurred on XXXX XXXX, XXXX was not standard protocol or PNC 's policy. And that PNC would not waive just interest, and not the late fee. Whether my inquiry to the Better Business Bureau prompted this response from PNC is unknown. But I was certainly not advised that it were returning the late fee as a courtesy, but rather to be in compliance with the bank 's own policy, which clearly was not carried out on XXXX XXXX, XXXX. 

While subjective, I would argue that PNC not complying with FCBA, and its own policies would be grounds to forcing my account closed. Further, if my account was closed due to misinformation and PNC 's position remains concerning reopening my account, which was only closed because of information and misrepresentation and non-compliance of its own policy, I have no choice but to request that the BBB document this matter for public consumption, and escalate this matter to the Federal Trade Commission, State Attorney General, and the three ( 3 ) major Credit Bureaus.
Hello This is regarding the very first complaint I filed on USAA. After the President contacted me he left a message on my phone regarding the reversal and re crediting of the XXXX back on XX/XX/XXXX. They gave the money back to me after speaking with you several times and them contacting me stating they worked things out by recategorizing the dispute. I still never received the merchandise from XXXX XXXX and it was never sent back out. I uploaded statements from the usps oig as well to support my statements and today someone made a banking error and re reversed it the 2 nd time Again. After it was fixed by higher personnel. I need assistance in this matter and would like to speak with the President cause they told me it would be given back. This should not have occurred. Attached is a copy of my banking all you have to see is how they rereversed it 2 times on the ledger. It is regarding the XXXX XXXX package I never received and that was also reported sent back.
My wife has opened a XXXX XXXX credit card, and added me as an authorized user, but then i got myself off her card, and theres still a missed payment showing on my Transunion credit report from my wifes card.
The debt to Wells Fargo is a checking account and credit card which is well past the 7 year period a person has to contact them. The company, as of recently, trying to collect the Wells Fargo debt for pennies on the dollar is : From address : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Return address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I had already sat in a Wells Fargo branch, with a customer service specialist, and spoke over the phone with another customer service specialist regarding this debt collection stretching past the 7 year period which I have proof of from a 2006 credit card statement. 

According to " XXXX XXXX XXXX , XXXX '' they will take 50 % of the money owed and it will be paid off. From other people online who have fallen for similar debt collection agency tactics it does n't work. XXXX pulled that on people and they are now in a class action lawsuit. These are not fair debt collecting practices, especially regarding the recent climate of the jobs market 4 to 5 years ago.
I had a XXXX Comenity Capital Credit Card. As I was trying to obtain a mortgage, I paid the " balance in full, '' not the statement balance in XX/XX/XXXXand asked for the account to be closed. After I paid the entire balance, they charged a {$39.00} late fee and continued to do so until my balance was approximately {$190.00}. When I called, I was told that the account was closed but these were late fees. I had previously tried to communicate via the secure message center, but their replies were, I believe intentionally vague and not helpful. I spoke with XXXX ( ID # XXXX ) on XX/XX/2017 who said that if I paid a {$27.00} fee, she would negate the rest of the fees because my account was indeed closed in XX/XX/XXXX. I just received an email that my statement was ready to view. Obviously, I should not have a statement, so I logged in to see. I still have an available credit limit of {$150.00} and now have a balance of {$1.00}. The reply email I got from them was that I had to pay streaming interest on purchases until the balance was paid in full? I can not remember the last time I made a purchase with this card and do not have a balance with them. If I do not pay this {$1.00} balance, I am certain they will rack up late fee again. They now say that my account was n't closed until XX/XX/XXXX which leaves me to wonder why I have available credit at all?
On XX/XX/2018 I received a letter from Experian report # XXXX stating that pursuant to section 611 ( a ) ( 3 ) ( A ) of the FCRA they will not re-investigate the same dispute again at this time. 

The creditor agency intentionally reported my address incorrectly. My address is XXXX XXXX XXXX XXXX CT. According to the FCRA 623 information furnisher have the obligation to report accurate information Rule 660 pertains to information furnishers and their duties under the Fair Credit Reporting Act U.S.C 1681. 

The disputes against XXXX/XXXX XXXX  are not irrelevant. Experian had inserted duplicates of the same account information previously disputed. Thus re-aging the accounts and date of first delinquency, collection dates and time since negative. 

The FICO score report indicated that the account was re-aged. Experian did not have reasonable procedures in place to prevent violations of the act FCRA 623 ( a ) ( 1 ) ( c ). 

Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ). 

CRA about the accounts of a creditor, you must report the date of delinquency given to you by the creditor. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report.
I took out a loan with rise credit in the amount of {$2600.00}. I had made a payment in XXXX and was planning on making my payment when I had another paycheck coming in. After only 60 days Rise Credit underhandedly charged off my account and sold it to a debt collector. I tried calling them and emailing them to set up payments. They refused to take a payment under a non-charged off status. This company illegally and underhandedly sold my debt and collected a profit from selling this to another company by a difference of {$1000.00}. They are doing this to everyone and it needs to stop, profiteering of America and making our debt structure unstable. This has now put a mark on my credit for SEVEN YEARS. They should not be allowed to do business. Their dispute department will not resolve anything and they seem to just want to do things there own way. That is not legal or ethical and I am very upset about this whole thing. I took this loan out and planned on paying it back this year. Now I have to deal with a charge off for SEVEN YEARS and a debt collector calling me. Why should RISE credit be in business and allowed to manipulate people in such a faction? I want answers. 

Thank You
I have made multiple attempts to obtain a payoff of my loan for the purpose of refinancing. When myself, my lender or my escrow company would request a status update to the request, Seterus would either say they do not have a copy of it or say they will restart the request. I have waited 19 days as of today to receive my payoff and still do not have it. I have evidence that they have received it. I have lost hrs attempting to resolve to no avail. There is no reason it should take this long and there is no reason I should n't be able to print XXXX on my own from their website. I 'm held hostage to this bank.
Documents on file. Complaint number XXXX I am responding to Chrysler Capital latest correspondence. I tried to file a complaint with the FTC and the system kept referring me CFPB I need your protection. There must be something more this agency can do other than simply say thank you for informing us. Chrysler Capital is clearly willfully causing me Financial and emotional harm. There is documented history with Chrysler Capital, Chrysler Group LLC and XXXX. Please forward my case to a Concessional office or XXXX office. My daughter and myself need your protection. Help me teach her truth and doing what is wright matters. This is like a game to Chrysler Capital. It is causing my Mental handicap to shut me down and spin out of control. I ca n't take care of my simple day to day needs .... I realize Chrysler Capital is simply a debt collector for XXXX and Chrysler Group LLC and they have distance them selves from Chrysler Capital, But legally or morally they should be held accountable. After all we did loan them Hundreds of Millions of XXXX.
XX/XX/XXXX I was approached by XXXX Attorney XXXX, located in XXXX CA, who claimed to be representing GE/Stein Mart, a credit card company from whom I had a credit card. I contacted XXXX requesting information on the debt, specifically invoices from the pro ported credit card showing purchases, payments and other information. The initial letter was sent XX/XX/XXXX. A follow up letter was sent XX/XX/XXXX after receiving no response to the first. I have yet to receive the information requested pursuant to the Fair Credit Reporting Act 1681s-2 and the Fair Debt Credit Protection Act. Last month I was rejected for a refinancing of my mortgage by the current mortgage holder, XXXX XXXX XXXX, in part due to this negative item on my report. This card, like several others, incurred a drastic increase in interest without notice and without cause in XXXX. I believe this was caused by a bankruptcy I filed that DID NOT INCLUDE ANY CREDIT CARD DEBT. I never missed or was late on a payment but multiple credit card companies increased the interest rate without notice or cause. I paid the increased interest for one or two years without realizing they had increased the rate. I have filed complaints with the CFPB and the other card holders on other creditors who did the same thing over the the same period and in at least one case the account was removed from my credit reports because it was found that the amount due was drastically incorrect when considering the overpayment of interest. In fact, the credit issuer owed me money. I am certain this credit card falls into the same circumstance but have been unable to get a response so I can perform the calculations to support my claim. I am including calculation of similar instances from another credit card company as an example of what I am certain is the case with this credit card.
On my experian report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with XXXX and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling XXXX  & XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX  has done as well as Experian and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with Experian XX/XX/XXXX pending investigation.
On XXXX XXXX, XXXX at XXXX XXXX I went to Well Fargo to lift a pledge of my personal loan and pay off the total balance of {$26000.00} was quoted to my personal banker who contacted the personal loan officer at Wells Fargo to pay off balance of personal loan. 
I verified my account information and the amount owed was verified by the loan officer at Wells Fargo, I told them I was closing the account by lifting my Pledge and paying in full on the spot ; I proceeded to sign my papers to lift the pledge and make my payoff payment with a withdrawal out of my savings, I got a receipt for the total amount payed on the loan {$26000.00} and the remaining balances into my checking and savings accounts. My personal banker requested I call back to make sure no issue arise and verify the loan was officially closed. Three days later I received a phone call that this loan was not closed due to an automatic payment that had not been withdrawn 4 days prior to the loan being paid off. To my knowledge that payment was included in the payoff. On the XXXX of XXXX 10 days later after the loan was payed off, it was explained to me that a payment of {$420.00} tried to come out on XXXX/XXXX/XXXX and " posted '' on XXXX/XXXX/XXXX but was rejected on XXXX/XXXX/XXXX was tried again with insufficient funds to cover second attempt which in return a payment reversal was done again on XXXX/XXXX/XXXX in the afternoon while that same morning I had came in for the payoff amount. As my final thoughts on this situation I still understand I payed my full balance per the conversation with the loan officer and  my personal banker.