WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX & XXXX XXXX of 2018 I received my credit profile from a mortgage lender ( XXXX XXXX  ) which included errors. My first thought was that the error was just a mistake, but when the second file had the duplicate entry I filed the dispute. Credit Plus is the credit report provider for mortgage companies and I am having a difficult time receiving information. I called twice on XX/XX/XXXX to follow up on my dispute and was cut short by one representative that was rude and not helpful. I emailed this company twice and was told they have to wait for the manager to assign the case to a representative. How long does this take? No one has acknowledge my request yet. This inaccurate information is having a negative impact on my credit and score. I checked my three reports with the major bureaus and do not see this duplicate entry ( XXXX XXXX line of credit ). This makes me believe that this Creditplus mortgage report is the one reporting incorrect information. Additionally, the mortgage company had to run my credit twice which has caused my score to decrease. I asked the company before filing the dispute if they will provide a new report and accurate score once complete and they stated no. The only way to regenerate the credit and score is to pay. Why am I being penalized for these companies reporting this improper data? I am in the process of getting a mortgage and this is hurting my chances of obtaining a mortgage.
I received a promotional mailer in XXXX or XXXX of XXXX to open a CitiGold Checking account & receive XXXX XXXX XXXX miles. I opened this account & confirmed on XXXX XXXX, XXXX that I had completed the steps necessary to receive the bonus XXXX miles. I was told on XXXX XXXX, XXXX & XXXX XXXX, XXXX that I would receive the bonus miles no later than XXXX XXXX, XXXX by a customer service representative. On XXXX XXXX, XXXX -- upon inquiry as to why the bonus miles had not posted to my account -- a customer service representative told me that I was not eligible for the promotion as I was not " targeted '' for the promotion. I completely disagree as I received a mailer for this promotion. Sadly, I discarded the mailer sometime during the spring, but I think it 's egregious that Citi would require me to hold on to a promotional mailer XXXX months after its initial receipt. Additionally, Citi has charged me $ XXXX/month for an account service fee without notification regarding the failure to post my account opening bonus.
I do not owe this debt. I joined a fitness club because i did not have to commit to a contract. I ceased using the services and paid the outstanding balance when i notified the club that I would no longer be using the service. It strikes the wrong cord when this creditor is reporting a balance owing when I had no contract with them. I request full validation from this company or the reporting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account.
This letter is in response to your collection on my credit report which was opened on XXXX XXXX, XXXX. Since the amount is so small, I wish to save us both some time and effort by settling this debt. Please be aware that this is not an acknowledgment or acceptance of the debt, nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I am willing to pay this debt in full in return for your agreement to remove all information regarding this debt from the credit reporting agencies within XXXX calendar days of payment. 
If you agree to the terms, I will send certified payment in the amount of {XXXX payable to COLLECTION BUREAU OF FT in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of COLLECTION BUREAU OF FT. The letter will be treated as a contract and subject to the laws of my state. As granted by the Fair Debt Collection Practices Act
We were charged {$64.00} in overdraft fees for transactions that occurred on the same day. One transaction was for {$7.00}
I had XXXX " miles '' on my XXXX card issued by Barclays Bank , also known as Barclaycard , when they suddenly closed my account without notice and for no apparent reason. ( See Exhibit A ) When I called to inquire, the rep could n't figure out why, but said there is nothing he can do about it. 
It seems like a deceptive business practice to tell me I can earn and redeem " miles '' then just close my account out of the blue without compensating me for the value of the rewards that I earned. 
What Barclays Bank calls " miles '' are rewards redeemable at a rate of XXXX cent each for travel expenses charged to the card, with 10 % of them being returned to the " miles '' balance. As you can see from Exhibit B, their website promises : " Redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption. " Thus, the value of XXXX " miles '' would be {$1200.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which I could then use for another redemption of {$120.00}, making the total value after just XXXX redemptions {$1400.00}. 
It seems deceptive that Barclays Bank would encourage customers to earn these " miles '' and then close an account without notice or reasonable cause. 
I have been an excellent customer. My FICO score has ranged between XXXX and XXXX over the past year, according to Barclaycard itself. 
I have never made a late payment, nor had a bounced payment. In fact, I generally have paid early ; Barclays Bank sends out emails, starting off " Why wait? Make a payment now '' encouraging early payments before the due date. 
Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as by offering XXXX ( XXXX extra points per dollar spent ) by buying XXXX XXXX XXXX XXXX through their Barclays RewardsBoost online shopping portal. ( See Exhibit C ) I have done that. 
I 've been deliberately trying to earn " miles '', and as shown in Exhibit D, Barclays Bank claims repeatedly that there is " no limit ''. 
It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, then pull the rug out from under me. 
Their website touts " 300 years of experience has taught us a thing or XXXX about financial services. '' It seems like whenever Barclays Bank is in the news, it 's for some sort of deceptive practices or fraud - apparently they think have become very proficient in that sort of thing. 
I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits.
I am leading a XXXX XXXX ... .. Unfortunately I had some issue and had to move and my financial situation caused my payments to be late .... I contacted the ... Nissan Motor Acceptance Corporation. ... there # is XXXX ... ..Spoke with XXXX of the gentleman that works her ... I do n't remember his name .... I explained my situation and told him I 'd be paying most of it if not all of it on the XXXX of this month when I get paid ... .. He refused me and tolde I need to pay by the XXXX .... I told him I ca n't do so till I get paid on the XXXX .... He did n't want to hear it ... Now I 'm trying to pay and he is denying me .... I told him I guess you will have to come take the car .... He said fine he will .... Now as far as I 'm concerned I 'm being way over charged on my payments to start out with .... I have a XXXX with absolutely nothing extra ... Very basic and I 'm paying XXXX or month ... .. If they are going to rip me off then they should have the decency to give me till the XXXX .... Please help me
Incorrect reporting on Experian credit report. XXXX and XXXX have all payments on time. Experian does not updated or send method of verification when asked. Also does not updated no late payments. There are no late payments but they report late payments and are interfering with my home buying process report untrue data.
I have XXXX student loans that were transferred from XXXX XXXX to XXXX and they are XXXX double reporting late payments. So I have late payments showing up for the closed XXXX XXXX accounts that were transferred to XXXX and then XXXX is reporting the same late payments on my credit as well. So the same late payments are being reported twice from the old account owner and the new account owner.
I applied for a Walmart credit card last XXXX and when I received the card I got two discount options : one was getting {$35.00} discount if I made a purchase of {$75.00} or more and the other one was getting {$25.00} discount if I made a purchase of {$25.00} or more. I've made a purchase of more than {$44.00}. This morning when I tried to pay my Walmart bill, there was no discount. The cashier kept my discount flyer with the discount bar code. He said the discount would be in my bill. Now I'm supposed to pay the whole amount because Walmart didn't give me the discount I was told they would give me! I'm really disappointed! I called the customer service and the attendant said the discount will be given in one of the next bills. How come? Now I'm obliged to use my card to get the discount!?! It's not right! The discount should be given right away! They lied to me. I would never apply for a card if I knew they weren't honest to their customers! I'm really upset!
We had an alarm system with XXXX and we had a dispute with XXXX and they said that they were apart of XXXX and that we had to pay our XXXX XXXX bill that they wrongfully billed us for and threaten to close my account and charge me as if I left my contract which is untrue because i tried to pay them the money but they would not take it and said they would have to turn my alarm system off. Which is unfair because when we signed a contract they had nothing to do with our separate dispute with XXXX XXXX. We did not inter our contract with the alarm with XXXX XXXX   it was with XXXX and they are trying to collect something that has nothing to do with them. So we tried to pay them as I said but they did not take our money and I feel like how you gon na charge us to cancel the contract when you guys cancelled our contract without our permission so that is they fault because I cant make they take my money.
I have been paying a private student loan through Navient for about 4-5 years now and I can barely keep up with the high payments of $ XXXX/month with an 11 % interest rate. I have spoken to representatives constantly and no one seems to be able to or want to help. I have a co signer, My co signer has no plans on helping me financially he just signed so I can get the loan and continue my education. All I would like is my payments to be lowered to somehwere more affordable so I do not have to struggle to pay them every month and I do n't keep getting hammered with late fees. I feel like Navient lies to its borrowers just to collect late fees and raise interest rates and use naive students as profit centers. I thank you for taking the time to read this and I look forward to a response.
Citimortgage changed our loan where we were no longer able to make our payment through automatic withdrawal. They also discontinued our ability to sign into our account on line. I was passed around to different customer service individuals over the last two months. They promised they would send me a form that would allow them to make a automatic withdrawal, but I did not receive them. They said they would be unable to email them, but they could fax or mail it. Today ( XXXX-18 ), I spoke with a customer service rep in XXXX. He said it would be up to 72 hours before a supervisor could get back to me. Also, he will send me an encrypted email with the auto withdrawal form, but that could take up to 7 days. He will also attempt to mail it again. 

Our last two payments have been past due as a result of Citimortgages changes and their inability to resolve a problem they created.
On XXXX/XXXX/XXXX customer paid with Bank Of America Credit Card for repairs of a semi truck in the amount of {$3500.00}. On XXXX/XXXX/XXXX I was informed by my credit card processing company that there was a dispute in regards to the charge because customer was not satisfied with the service we provided and {$3500.00} was removed from my account. They also informed me the money is in the escrow account an till the issues is resolved. 
We were instructed to provide our statement and any documents proving our case. We provided detailed statement with every single receipt for all of the parts used in this repair. Along with the work authorization form. Shortly after money have been deposited back to my account at which point I expected the issue to be resolved. But today on XXXX/XXXX/XXXX this same amount was again removed from my account and when I called my credit card processing company they told me the Bank OF America ruled in favor of their customer and refunded the money. Bank of America never contacted me or provided me with any documentation regarding how and why this decision was made. We spent almost {$2000.00} on the part for this repair work.
Credit reporting company Equifax exposed XXXX XXXX Americans ' information in a data breach. I called their customer service line but was told to simply submit a fraud detection alert for the next 90 days.
I obtained care credit for medical expenses which had promotional zero percent interest if the balance was paid within a year. During the year I had a XXXX procedure completed. I paid over the amount of the monthly fee every month and at times XXXX my payments. I began accruing interest and when I called the company to dispute this I was told that I had to call every month after a payment a request that the additional amount I was sending in be credited to the initial purchase. I was told there was nothing I could do and that I would need to pay the interest. This is deceptive and not indicated in the contract. The company is Care Credit now Synchrony Bank.
Wells Fargo Bank violated our Constitutional Rights , Consumer Rights , Civil Rights , Economic Rights, as well as our very own Human Rights. 

We were going through financial hardship, we requested a refinance. The refinance would have solved our entire financial hardship, as we paid our loans down by making additional payments, the interest rate was low as well as the loan to value ratio was perfect. Instead, Wells Fargo Bank gave us hard time, did not apply payments as The Courts ordered Wells Fargo to pay the expenses and apply the rents toward our promissory notes, Wells Fargo referred all the tenants back to us for repair, maintenance and all aspects of management issues. 

Yesterday, I received an invoice from XXXX requesting a payment. Please see attached Invoice along with an e-mail from XXXX XXXX. Wells Fargo Bank is hoping to deceive us again, in paying those expenses as they have deceived us in the past, and led us to believe that by us paying the expenses, we will obtain a clear title in our names for our properties in a very short time. Therefore, we borrowed hundreds of thousands of dollars to pay for those expenses, to discover later on, that Wells Fargo Bank sold our notes to a client of a tenant in the Wells Fargo Bank Building. Also please see attached COURT ORDER directing Wells Fargo to pay the expenses and apply our monies to our promissory notes which Wells Fargo have violated and did not even apply our monies to the SBA note. 

Also please see attached supporting documents of some of the expenses paid on behalf of Wells Fargo as well as documents supporting our effort to get alternative financing, paying for title search, closing cost, etc. Whereas Wells Fargo Bank/loan servicer did not provide us with an accurate loan balances. Instead the loan servicer provided us with inflated figures that exceeded the loans by XXXX dollars without applying our credits. I have also attached a copy of some of the rent Wells Fargo admitted to collecting. Please note that there is much more rent was collected by Wells Fargo. 

Now in our XXXX, after we put all what we have earned to pay down our obligations, to secure future for our family ; Wells Fargo Bank robbed us of life itself, robbed us of everything we earned, robbed our investments and continue to robbing us of the dividends on our investments, an ongoing crime that need to be stopped, by Wells Fargo returning all our properties back to us, with free and with clear title.
I would Like to file a complaint on AFNI COLLECTION AGENCY On  XXXX   XXXX   2017  I sent in a debt validation on account that they say I owe So Today  XXXX   XXXX  I got a letter from AFNI With some bogus logo from  XXXX  I have never had a account with  XXXX  or AFNI in my previous Certified mail request to AFNI I asked them to please send me a copy of any credit application signature attached An Explanation of what the alleged account blance was for. Documentation that shows I agreed to pay the debt Also agreement that grants them the authority to collect on this alleged debt. A copy of their state License. That failed to send me the all of the information about this account that they claim I owe. at this point I would Like to file a complaint of HARASSMENT because they did not provide me anything regarding that this is indeed my account I also would Like to ask AFNI NOT TO CONTACT ME UNLESS THEY PROVIDE THE ITEM THAT I HAVE REQUESTED ABOVE.
I first sent Asset Acceptance a letter in order for them to verify the debt owed and they responded, however the account was past the SOL. 

Since their response, We had agreed to settle the debt in exchange that they will remove the following account from my credit report. However they have not complied with the agreement, and the account remains open and reported as unpaid. I have paid them, and they are saying that it will take __ amount of days to receive a receipt.
I have tried numerous times to receive a monthly payment plan that was more suitable for my income and living expenses. They always tell me that I do not qualify and/or that there is nothing I can do to reduce my student loan payment. Because of this I have gone into default and received threatening letters stating my account would face legal issues if not dealt with properly. All I ask is that I can make a monthly payments that are manageable for me. If I can not afford to pay them, it is for a reason. They do not care and are not willing to work with me.
I sent Grant & Weber a letter for a debt validation. Grant & Weber did respond via mail, but my concern is that Grant & Weber has completed a major HIPPA violation along with the original creditor  XXXX   XXXX   XXXX . Grant & Weber is an law office or so they say and I am sure they know of the HIPPA laws or so they should.     Grant & Weber has yet to provide me the original contract that I SIGNED WITH THEM.   Grant & Weber has clearly and willfully broken HIPPA laws.   My medical information is personal and should remain confidential between me and a medical provider.   Grant & Weber is in a clear violation and have no permissible purpose divulging protected health info to anyone on an account.     I intend to file a compliant with DHHS OCR against Grant & Weber as well as  XXXX   XXXX   XXXX   XXXX  for this violation because my information is protected by the HIPPA laws and when a hospital sells a debt, they are only suppose to sell the debt, and NOT my personal medical information, no details!
I have been charged a total of {$160.00} since banking with Citibank that I have never agreed to. I believe they have been charging me without my consent and unfairly for some service I am not familiar with. 
When I just tried calling them, I was transferred to XXXX different departments. Finally the last one that handles the " safeguard charges '' could only cancel the service and told me that in 30 days after their investigation is complete, I would hear back from their investigations department. I asked if I can speak to someone that can explain the charges and how much I will be credited back and was not given any response besides you will hear from them in 30days to determine the outcome. When I asked the girl if she put in a request if she can confirm that we have the same amount and her amount was greater as I only have access to the last 2 years. Her amount was {$160.00} and I am going with that as I do n't have full access to my account online.
XXXX XXXX XXXX received a Court Civil Judgement of XXXX. On XXXX/XXXX/2014 I made an agreement with XXXX credit to repay my debit XXXX dollars per month till amount was paid offOnce the account was almost paid i contacted XXXX XXXX for a final payment amount. I was told I owed {$980.00}. I calculated all my payments and found I 've paid a total of XXXX over paying on the judgement by XXXX dollarsNo amount of contact by my bank and proof faxed and sent registered mail has resolved this issue with XXXX XXXX XXXX.
I disputed XXXX accounts on Experian with XXXX XXXX XXXX. These XXXX accounts went into collections in XXXX. I paid these in XXXX. They had on my report Collection as of XXXX XXXX. I disputed it and now it shows collection as of XXXX XXXX. Please fix. On my report from XXXX XXXX XXXX ( attached ) they have collection as of XXXX XXXX, so you can see they keep changing the date to seem more recent. I am trying to get a house and do not need this on my report. 

Credit ItemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX
I received a letter from XXXX XXXX XXXX XXXX XXXX alleging that I owe a debt. I do not owe any debt to XXXX XXXX XXXX XXXX XXXX XXXX, Pinnacle Credit Services , LLC, or XXXX XXXX. I had already sent Pinnacle Credit Services a cease and desist letter previously through the Consumer Financial Protection Bureau for which I have a copy in writing. Now I have been contacted by XXXX XXXX XXXX XXXX on behalf of Pinnacle Credit Services , LLC which is a flagrant violation of the Fair Debt Collections Practices Act. I do n't owe the alleged debt they are referring to, in addition the alleged debt is past the statute of limitations. I do n't want any further communication in any form by XXXX XXXX XXXX XXXX, Pinnacle Credit Services , LLC, or anyone on behalf of them. Their continuous communication after sending them a cease and desist letter is a flagrant violation of the Fair Debt Collections Practices Act, and it is causing me severe emotional distress for an alleged debt I do n't owe. Their continued communications is considered harassment.
I have disputed these charges and disputed these charges. they still will not take off the debt and most of the hospital bills are paid off in fact we are suing them for over payment.
Im a military Veteran on XXXX XXXX. My wife who is back home has been dealing with a mortgage company called SLS. They took it on themeselves to Remod our mortgage and said our payments ar now XXXX from XXXX. We have spoken to them and all we get is a run around. They have placed a deliquincy on our credit and stopped us from doing a Refi as the other banks see this fraud deliquincy on our credit.