WillisBack/dataset-financial-user-claim huggingface dataset:
Citi Card Services provides merchant services to Best Buy. 

On XXXX XXXX, XXXX I purchased on my Best Buy account ( through Citi ) a speaker for {$210.00}. A few days later I received a bill. The bill was paid and mailed to Best Buy Credit Services on XXXX XXXX. The bill was due on XXXX XXXX. 

The payment was processed and posted on XXXX XXXX ; 5 days after the due date and 16 days after the payment was mailed. Shortly after all mail was put on hold due to a scheduled vacation. 

Upon return of the vacation there was an XXXX bill from Best Buy Credit Services for a {$XXXX} late charge. A week or so later the XXXX bill arrived from Best Buy Credit Services for another {$XXXX} later charge and a XXXX cent interest charge for a total due of {$XXXX}. 

On XXXX XXXX I contacted Best Buy Credit Services ( Citi ) and informed them of the payment made in full and disputed all of the fees. They agreed to remove one late fee for {$XXXX} but none of the other fees. In order to avoid another late fee I made a payment of the total due, cancelled the card and informed them I 'd contact CFPB. 

Their reply was that they ca n't control the US Postal Services delay in delivering mail. The purpose of my complaint is to inform the CFPB of a possible tactic they are using to delay the processing of mailed payments in order to assess late fees on accounts. I believe I 've paid an amount that I was not obligated to pay but was forced to do so in order to avoid ongoing late fees and interest charges.
I am having issues with my mail being send to out dated addresses. I finally pulled my credit report and found information that doesn't even belong to me on my report. please remove the following addresses they are not mine : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX My current and only address should be XXXX XXXX XXXX, XXXX, XXXX XXXX.
We have a vehicle loan with the bank and when we send the check to bank for endorsement the bank posted check toward loan balance instead endorsing check to get vehicle repair
XXXX which is my current mortgage servicing company reported late payments and I need them to remove the late payment history ASAP. I have attached letter from XXXX which clearly states late payment history was an error on there part and they have asked credit bureaus ( XXXX, Experian XXXX, and XXXX to remove derogatory/negative information.
I recently checked my credit report and noticed a collection agency Congress Collection has reported on XX/XX/XXXX and recently updated XX/XX/XXXX on my credit report that i owe {$170.00} dollars. Upon my own investigation of this company because i have no knowledge of this debt, I found that they are not even licenced to collect in the state of Arizona. This negative account is impacting my credit worthiness as well as my scored and i would like it removed immediately.
American Express delivered my XXXX pre-paid cards to the wrong address. Even though I called them multiple times to suspend those pre-paid card and reshipped the pre-paid card, they still allowed the pre-paid card to be used and refused to reship the new cards to me. Eventually, I have to dispute the transaction. However, by doing this, I was charged {$95.00} annual fee without getting the promotion points as I was past the due date to be qualified for the promotion.
There are two issues. One is the validity of the debt, and the second is the fact that I asked them to stop contacting. I sent a letter certified, return receipt asking them to stop contacting me. They continue to contact me.
The issue i 'm having is with a piece of accounting software XXXX withdrawing money out of my account unauthorized. I signed up for their software to handle my book keeping and payroll for my business. 

Generally speaking, I they do checking account verification via micro transaction verifications. In this case, however, they only withdrew money of my account and never deposited anything. 

The withdraws were made from my account on XX/XX/XXXX for XXXX and XXXX. I reached out to their support today ( XX/XX/XXXX ) and they informed me that they are unable to offer refunds. While I authorized the micro-deposits and withdraws, they never deposited any funds into my account and have thus stolen from me. It 's obviously a trivial amount, but it is unacceptable that they do this to me, and who knows how many others.
I have been trying to negotiate a settlement with Navient to be removed as a cosignor. They continue to call me on my cell. They have found my direct phone number at work, and have actually gone as far as contacting my youngest daughter on her personal cell phone, who is not involved in any way shape or form with this loan. 
I am clearly being harassed!!!! 
I have clearly stated to them on multiple occasions to not call me, as I will never make another payment on my EX STEP DAUGHTERS loan. 
I have told them to mail everything, and please ... ... by all means ... ..take me to court. 
They just continue to call and harass and threaten me. 
Unless they are willing to negotiate a settlement, without asking for all of my private information, I will gladly meet them in court.
To whom it may concern On XX/XX/XXXX Radius Global Solution put me in to collection for the amount of {$1700.00} Reference number XXXX This is not My bill, I spoke to XXXX XXXX XXXX in XX/XX/2018 and expanded to the lady that this is not me it was my son which has the same name XXXX XXXX XXXX XXXX D.O.B. XXXX S/S # XXXX XXXX XXXX she said that it was his bill not I received a notice form XXXX  that my Credit score went down I called Radius Global Solution and informed them of the era and filed a report # XXXX and with XXXX  Dispute Center in early XXXX report # XXXX and was told it would be removed. 
I received a letter from XXXX dispute results and nothing changed As of now there has been no correction Please help this is preventing me from acquiring a good interest loan
Nationstar manipulated my property into foreclosure by continuing to purposely advise me to submit for a loan modification knowing upon the first submission, my loan did not qualify. This deliberate action has forced be to file for bankruptcy to stop any further foreclosure action. My loan was previously modified with XXXX prior to its transfer to Nationstar in XX/XX/XXXX. I was experiencing a temporary financial setback and not able to pay the $ XXXX monthly payment in full. I could only make partial but steady payments. I immediately notified Nationstar. A 90 Day Right to Cure Letter was included in the Uniform Borrowers Packet dated XX/XX/XXXX requiring {$3500.00} to cover XXXX and XXXX due by XX/XX/XXXX to avoid foreclosure. XXXX applied a total of {$5500.00} in payments from XX/XX/XXXX to XX/XX/XXXX, which paid the account up till XX/XX/XXXX leaving a balance of {$260.00}. When Nationstar began servicing the loan, a payment in the amount of {$500.00} was processed on XX/XX/XXXX and a payment in the amount of {$1300.00} was processed on XX/XX/XXXX. These payments should have paid the account up to XXXX with a {$310.00} balance, which technically cured the default. My first denial was on XX/XX/XXXX. Then I received a refund check onXX/XX/XXXX for {$760.00} with no explanation. When my payments were no longer being accepted, I called Nationstar. I was informed my property was in the foreclosure process. This is also when the new XXXX XXXX Flex Modification was mentioned and I was encouraged to submit a borrowers packet to be reviewed. A few days later came the attorney letter. After researching, I discovered Nationstar returned only the {$500.00} payment along with the {$260.00} balance. I received a call from Nationstar in XXXX advising me I was now eligible for the Flex Modification, my account was now 8 months in arrears. I received the 6th denial letter and was advised no options available but a deed in lieu, short sale or self sale. I was forced to file for bankruptcy.
US Bank XXXX XXXX Visa Card 's marketed a number of benefits when you pay the annual fee to have the card. The primary XXXX being a free reward night whenever you redeem points for XXXX or more nights. They are removing this feature today, with short notice. They are n't offering any compensation, nor extending the benefit to the renewal date. Forcing me to use all my accumulated benefits prematurely or risk losing 25 % -50 % of their value.
XX/XX/XXXX disputed with XXXX XXXX XX/XX/XXXX disputed with XXXX I have Never been late paying this bill
To whom it XXXX concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX, and XXXX XXXX is my daughter 's name. I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are either not current or just wrong, since the only names I have ever used are XXXX XXXX and XXXX XXXX, but only while I was married, and XXXX divorced, in XX/XX/XXXX, I returned to my maiden name, XXXX. I am contacting you to correct these errors, because they are hurting my daughter 's credit report, as it seems you have us as the same person. My daughter has been working on correcting her credit report as well, since a lot of my information can also be found on her record. Also, my birthdate is reported incorrectly on my credit report. I was born on XX/XX/XXXX, not in XX/XX/XXXX, as it is reported. 

I have lived at my present address : XXXX XXXX XXXX, XXXX, MA XXXX, for 15 years. I lived at XXXX XXXX XXXX, XXXX, MA, XXXX, before that. I have NEVER lived in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or in XXXXXXXX. My daughter has lived in some of the following addresses, not me, yet these addresses can be found under my XXXX daughters record as well. My daughter and I have different social security numbers, and we share the same first name, and XXXX last name, and in the past, the same address. I need my financial account separated from that of my daughters, because of these errors, when my daughter requests a change of address, my mail is also redirected to her new address, since in my credit report I am reported as having lived where she has erroneously. Lastly, I have some defaulted student loans and they do not show-up on my credit report and I fear they may be lurking under my daughter 's credit report. I need help in removing my daughters name and addresses from my account, in the hopes of separating our financial records. I have provided documentation to prove my name and addresses, along with my student loans, which should be under my name. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX
I filed Bankruptcy and included my XXXX XXXX XXXX credit card. The debt was discharged but XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX. I have provided both companies with proof of my discharge and their debt and XXXX XXXX XXXX is listed as a discharged by the U.S bankruptcy court, but they refused to remove it and are constantly trying to collect a debt that has been discharged. that's illegal -- I have included proof that my bankruptcy was discharged and XXXX XXXX XXXX is listed in the paperwork I have included proof to show my balance was paid
Credit Card debt was paid off in XXXX 2013. XXXX in conjunction with Discover continues to take {$35.00} out of my checking account monthly as a fee.
I discovered that XXXX  XXXX/XXXX XXXX XXXX of the amount of {$1000.00} has re-aged/ changed the original date of the debt. It was started in XX/XX/XXXX and now on all credit reports XX/XX/XXXXstart dates : TransUnion XX/XX/XXXX, update XX/XX/XXXX ; XXXX XXXX ; XXXX open : XX/XX/XXXX, update XXXX. This debt has exchanged into so many hands that I don't know who actual has it. I receive calls on my cell phone and no words are spoken just hangs up or if it goes to voice mail its a machine or they say my name then hangs up. I had calls on Sundays and after XXXX XXXX  CST. This is make my report look bad and who can trust if you pay one company and at the same time another collection company demanding money and states its my problem with them ... XXXX XXXX themselves are hard to get a straight answer or direction for the original bill which was really {$240.00} but they stated I broken contacted and charges for the broken contract. On XX/XX/XXXX we has a devastating tornado ripped through my area causing catastrophic damage, no power, nor water. I just moved in my house so I this caused a financial downfall trying to recoop, especially the lost of food and water resources.
Ok, so I have been receiving phone calls from XXXX phone number for the last few days. On the morning of Thursday XXXX/XXXX/2016 I received yet another one. So being fed up with it, I answered and said hello. All they would say and repeat was that they needed to confirm they were speaking with a XXXX XXXX ( which is me ) before they could disclose any further information. I stated that in that case I would not be providing them any further information on my part and hung up. My thinking was " wait a second ''. You want to call my phone and start demanding I provide or confirm for you personal information about myself while refusing to provide me with information. Not ok!. So being that I am a Police Sgt, I went into investigative mode and started digging to see if I could find out anything based on the phone number I had from them. I discovered that it was a collection business called IC Systems. I further found hundreds of complaints from other people following their dealing with this company. So I returned a phone call to them and asked to speak with a supervisor. Once he was on the phone he also repeated the same line about needing to confirm who I was before he could provide any further information. I explained to him again that I would not be providing any personal information and since he or his company were the ones who had contacted me, they needed to be the ones that were forth coming with information, since I had no way to " prove '' who he was. I also explained that I viewed their telephone communication with me to be harassment and that I demanded my number be removed from their calling list. He said that he could do that and would. If I owe a debt that I am unaware of fine, but how about calling and saying, Yes this is so and so and we have been retained by so and so to attempt to collect a debt that they claim you owe them. At this point I would have the ability to research for myself if I had forgotten something and get back with them. But no, they chose to try and act all secretive and shadowy which if they are legit in their pursuit, it is a very poor way of handling business. I ask that you as a consumer protection agency, please assist me with dealing with this matter. Thank you in Advance
I requested verification of debt but never received ( i.e.contracts, signatures, identification ). Collections remains on credit report as verified.
around the month of XXXX 2017 me and my wife had let a friend stay with us which had fallen on hard times. during this time while we were at work he got on are computer and ordered things using are pay pal account are user named and password were stored in are computer which gave him easy access to are information. i alerted suntrust bank when we learned of these transactions and opened a dispute with them. a provisional credit was issued to us for the claim. this provisional credit became permanent. at the same time as the provisional credit was issued more transactions were attempted taking the provisional credit away from the not authorized transactions. upon noticing this a call was made to sun-trust again to open yet another dispute which was opened and closed in a matter of 2 days and denied even tho they were from the same batch of transactions the bank approved as fraud. making matters worse the bank did not block more transactions from going threw they allowed multiple attempts at a nsf fee of XXXX to add up to more then XXXX dollars. even after emailing the bank to block all attempts from pay-pal to remove funds. after several attempts to get this fixed i received a notice of collection from sun trust bank. i called there disputes dept and was told there was nothing that could be done at this point as the matter had been given to the collection agency and i had to call them. i filed a BBB complaint against sun-trust which quickly got a response from them that now a rebuttal form was being sent and they would look into my complaint which they denied was not even possible when i called them. i sent in the rebuttal form via usps around a month ago and received nothing from sun-trust.
On XX/XX/2018 I went to the bank to with draw money from my account witch was XXXX dollars. After I left the bank I went to pay two bills and I realize that I was short changes on my money, I tried to resolve it with the bank but they were just giving me the run around. Talking about they will have my money in to days but that was a lie. USbank has done me like this before but I did not no who to go to until now I just got out of the hospital and they did not care about that at all. I talk with a XXXX XXXX, and XXXX XXXX, that gentlemen told me that if I did not like the way they were handleing it that I can take my business elsa were. They said that it will take two days but they lied about that as well. Some one in that  bank is stilling and trying to use my account as a coverup. I have no food and gas to put in my car at this point so I will have to find out how to get money. I will go to the XXXX and let people no what is going on in the bank of USBanks. Yours Truly
American Education Services refuses to delete a negative entry on my credit report even though they were not the legitimate servicer of my loan in XX/XX/XXXX nor were they the granuty of the loan. I have disputed this entry with them over 5 times in 2 years and each time AES comes back with the same old illegal excuse that they were in charge of my loan in XX/XX/XXXX and they continue to make adjustments to the number of days of delinquent payments and make remarks " This loan is permanently assigned to the Government ''. They know exactly what they are doing, this is not necessary because I consolidated my loans in XXXX under the Federal Government program so I could handle my loans more efficiently. They are claiming that they were the servicer of my loan in XX/XX/XXXX, when actually they were not the servicer of my loan. If AES was a servicer it was not listed on anything to verify their status according the XXXX XXXX XXXX XXXX XXXX web site, the government web site that has all the information listed about loans and the amount that is owed. XXXX, who is XXXX XXXX XXXX XXXX was and is the servicer and grantor of the loan in XX/XX/XXXX. So, what gives them the right to continue to report this negative entry on my report. They were listed in XX/XX/XXXX, but I went bankruptcy then, after bankruptcy XXXX were listed as the guaranty of the loan. I spoke to XXXX concerning this AES reporting and the person that I spoke to told me to call them which I did. AES allows customer service personnel to handles credit reporting, someone who does not have skills pertaining to other people 's life. I ask to speak to someone who is Supervisor or XXXX title. The lady I spoke too, XXXX, a Superior, but she did not say what kind of Superior, but her badge no. XXXX, denied that they are still reporting, but they are because as of XXXX/XXXX/XXXX, I received another refusal about deleting this entry or removing the remarks on my credit report from XXXX through email. She said they are only reporting because I filed a complaint, but if I do not complain, that means that everything on my report I agree with and I do not agree with them holding my report hostage when they are not responsible for servicing nor the grantor of the loan.
I was turned to a collection agency years ago! I paid this in 2013? Why is it On here?
Was notified by a collection agency that they were attempting to collect on an online loan made by someone using my name and social security number. The said loan was made in 2014 but the company is just now attempting to collect. Collection agency has not been forthcoming about any information and will not verify any details about the fraudulent loan ; all they want is money.
Dual tracking. I submitted a complete packet by the end of XXXX 2013. I dealt with XXXX different people who requested the same information that I have already submitted. I sent a completed RMA, Hardship affidavit, signed and dated XXXX taxes, profit and loss, check stubs EVERYTHING that was requested in XXXX 2013. I did the same thing in XXXX 2013 and XXXX 2013. I requested updates, called and sent multiple emails trying to find out status. Finally 4 days before the auction I received an email stating I needed to sign and date the Dodd Frank and the XXXX and get it sent back right away. I did so, and I received an email telling me it was received and my file would be put back into underwriting and he would have it escalated. 
The substitution of trustee dated XXXX/XXXX/2013 and the NOD dated XXXX/XXXX/2013 where both filed in the county where my home was. XXXX 2013 the NOS was filed.
USAA bank WILL restrict its members access to accounts if they owe money to them for ANYTHING- NSF fees, overdrawn accounts, credit cards and loans. They will completely empty your account and leave you with NO money even if ALL of your money comes soely from XXXX ( VA and social security ) BE VERY CAREFUL when dealing with them.
The most important thing I want people to realize it that XXXX tacked on approximately XXXX onto my loans because i got back on loans. Then my loan was transferred to pioneer then navient. So my complaint goes back a long time, then my Grandparents who cosigned, but never got so many calls are now being preyed on!!! This is the lowest form of preying, they are in their XXXX XXXX and always in the hospital. I asked them to please stop because i moved from XXXX to XXXX to be with them they were depressed lonely and XXXX alone. I got a job and was able to get payments going but now that i moved back to XXXX because my Dad now is taking care of them and i am still looking for work. Please we just need some financial patience from this multi XXXX XXXX juggernaut who is preying on us a small little loving family who is going through tough times. Please help. Thank you. Stay strong and keep Loving.
I learned that my personal information was part of the security breach at Equifax and signed up for their complimentary credit monitoring service, XXXX XXXX, on XXXX XXXX, XXXX. At that time, a message stated an email will be sent within the next several days with a link to complete the sign-up process. I have called them several times and they just keep telling me to wait and they have a lot of people to respond to. As of today, XXXX XXXX, XXXX, I still have n't received the email with the link to complete the process. I have helped others with this same problem after I submitted my information and they have received their email link. I do n't understand what the problem is and tired of getting ignored by Equifax when they where negligent in protecting my information in the first place.