WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a credit card account through the department store XXXX XXXX in XX/XX/XXXX. I had made a one time purchase when opening my account at the store and was told that I would be receiving a card as well as statements in the mail for billing purposes within a few weeks. As weeks went on, I received nothing in the mail and continued to wait with no luck. When I finally got a call from XXXX XXXX requesting payment on XX/XX/XXXX, I explained my situation that I still have yet to receive my credit card as well as any statements. I expressed my concern in regards to never receiving a card, but would be happy to make a payment over the phone. Whomever I spoke with apologized for the mix up, verified my address and said they would send out another card. After a few months with no statements or card in the mail, I receive another call from XXXX XXXX on XX/XX/XXXX requesting payment. Once again, I explain my situation to the representative that on numerous occasions I requested a physical card and statements and never got anything. I paid the remaining balance on my card and was told one again, that a new card was being sent. As of XX/XX/XXXX, I officially obtained a physical card and was able to activate it online. 

I am in the process of applying for a mortgage for my first home. My credit was pulled on XX/XX/XXXX, which showed that I had a derogatory mark on my credit from XXXX XXXX in XX/XX/XXXX. I called XXXX XXXX that day to dispute and explain my situation, and was told by a representative that she had handled the situation and that the derogatory mark was being removed from my credit report. I was also told that a letter stating action had been taken to remove the mark would be sent in the mail within 7-10 days for me to show my mortgage broker in regards to a rescore to secure my mortgage. I have followed up many times after XX/XX/XXXX, with confirmation that the letter was still in the process of being sent out.

On XXXXXX/XX/XXXX, a letter was received but had no indication that any action was taken place in regards to removing the derogatory mark. 

I called XXXX XXXX once again on XX/XX/XXXX expressing my concerns and was told that whomever I initially spoke to, misinformed me of what she actually did and nothing had been removed from my credit.
I started attending XXXX College in XX/XX/XXXX. I was out of school from XX/XX/XXXX to XX/XX/XXXX. I get a private school loan from Bank of America in XX/XX/XXXX. Because I was out of school for more than 6 months grace period, I defaulted on my loan. I was also out of school XX/XX/XXXX to XX/XX/XXXX. I was then in school from XX/XX/XXXX to XX/XX/XXXX. XXXX made a false claim that I made three {$600.00} payments and closed my account in XX/XX/XXXX. I never made any payments because I was still in school. ( XXXX XXXX XXXX ). According to CA law where the document was signed XXXX starts from the FIRST default and has 4 years to sue. That takes the time line to XX/XX/XXXX was when the XXXX expired. XXXX broke the law and manipulated payments and sold the debt to XXXX XXXX XXXX  and now XXXX XXXX XXXX   are suing me through XXXX XXXX XXXX in XXXX XXXX. Just to Recap, XXXX lied about payment dates to sell an expired loan to XXXX XXXX   XXXX. XXXX has been sued many times and lost due to fraud. They even changed their name to XXXX. XXXX will not provide me with my bank name or bank account info..
I received a 30 day late on my credit report from Citibank/Home depo account. I strongly feel this was not accurate. I did n't receive notice from Citibank that they had not received my auto pay payment. When they finally called I Immediately paid account and requested this to be refunded as I had no knowledge until they called. They confirmed this, and refunded late fees. To date, I have not been late and acutally paid account off. I recently spoke with supervisor at Citibank, who received my prior CFPB complant, and said he applogized as he understood why Im frustrated and was willing to help me with an fees but since account is paid in full, there was nothing he can do. He did not have authority to remove off my credit since it was already reported. I asked if there was anyone else to speak with, and he said no. Therefore, I again am filing a complaint as I do not feel I should have a negative on my credit reporting due to an auto pay not being complete and Citibank/Home depo admitting they did not contact me till after the 30 day mark advising it was not received and agreed to reverse all fees, but not take of my negative on credit. Please remove the negative mark on my credit report
I am approximately 1 week late on a loan from Loan Me and they have consistently called me at least 6 to 8 times per day since XXXX XXXX from various phone numbers. I have emailed their representative advising him that I lost my job and need some time to contact them by the end if next week to make a payment arrangement. These collection calls are very aggressive and predatory. 
I do not know how to stop them from calling my phone all day and night!!
The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XXXX of XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today XX/XX/XXXX
Disputed XXXX XXXX STATUS W EXPERIAN TWICE IN THE LAST 60 DAYS I HAVE SENT SIGN STATEMENTS FROM XXXX STATING MY ACCOUNT STATUS WAS CURRENT STILL NO UPDATE N CHANGE.
Hello, I received " Payment Fees '' at the start of my repayment date. This amounted to a flat 3 % charge on the current principal of the overall loan. To be clear, this is not a late payment, this is just a fee for me to start paying them. 

For example, I had a load of {$16000.00} during school. By the time repayment came around, with interest the principal amount was {$22000.00}. I was charged 3 % on the {$22000.00} for a total of {$670.00}. 

That is just one of four loans where I received this " Payment Fee ''. The total cost of this was {$2700.00}! 

Is this fee legal? Is it legal for them to charge it on the {$22000.00} and not {$16000.00}? 

Thanks, XXXX
I was put in checking system in XXXX which I was not told buy bank of America I try to open a account on XX/XX/17 thay said I was in the system for overdraft my account I was advise that no reason to put me in the system. 
XXXX
I am lodging a formal complaint against gc services lp. this company has reported derogatory information on my 3 credit reports in the amount of {$420.00} for a XXXX debt i never owned. I have never had an account with XXXX ever in my life. on XX/XX/2018. I sent a request for validation because I was not familiar with this debt on my credit reports. I have also disputed this account with the 3 credit reporting agencies. I have never received anything in the mail from gc services lp validating this debt, but this debt collector continues to report negative information on my credit reports. I am in the process of buying my first home and this account is holding me back. I know its against the law to continue reporting information on a consumer credit report without validating debt to consumer. I will be filing XXXX XXXX XXXX, and attorney general complaints if this account isn't deleted from my credit reports immediately. Ive worked so hard to finally buy my family a houe of our own and this debt collection company has stopped this from happening. I appreciate your time and your help. thank you very much!
I reported to XXXX to investigate 2 hard inquiries on my XXXX and Transunion credit report and they found that the inquiries were to be removed since XX/XX/2017. XXXX and I have fax and mailed numerous letters to remove credit inquiries ie XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX XXXXXXXX ) and I have not get any results from any of the Credit Bureau and its becoming frustrated that these inquires has impacted my credit score
Merchants & Professionals has placed XXXX collections on my credit reports as of XXXX/XXXX/2015 that does not belong to me. I called them today XXXX XXXX, 2015 and informed me that I have no debt with them. This debt is XXXX XXXX, he received these services. I 'm not liable for his medical debt. This is between XXXX XXXX, his insurance, and XXXX XXXX. I did n't sign any paperwork, documents and I did n't receive ANY medical services.
I would like to lower my monthly payment, or see what my repayment options are, and Navient is not allowing me any options. I explained that I wanted to use the avalanche repayment method and take control of my debt, and that I could not afford my upcoming payment, which is {$400.00} higher than I 've been paying for the last 5 years. They have offered no help, and I feel that I do n't know what my options are and that information is being kept from me.
I need your help! CapitalOne seems to side with the merchant dentist XXXX XXXX XXXX XXXX, XXXX, VA, who took my money {$3500.00} total in XXXX separate payments of {$1700.00} XXXX and still did not call me to deliver the dentures after he took or have the money from CapitalOne siding with him and gave him the money.
Due to a loss of income i have reached out several times to HSBC to reduce my mortgage rate. all they have been doing is extending the term which is putting me in more and more death. i can not understand why as a consumer trying to do the right thing and not fall behind on my mortgage they are not able to assist me. All i want is a permanent fixed low interest rate. I have even hired lawyers spend money, and all lawyers tell me is that its difficult with HSBC you have to fall behind for them to reduce your rate. My credit is already not good, i have credit deaths so why would i want to increase that i also have a kid that i have to show some sort of example for. Why when im trying to do the right thing and not fall behind i am unable to get the necessary to have a roof over my daughter head. I am sure im not the only consumer having this issue.
Experian is reporting inaccurate, illegal late payments on Myfico Experian credit report. 
Accounts were Charged -off /Closed and there are multiple late payments showing after the accounts was charged-off /closed is inaccurate.This is illegal! 
The lates should be deleted immediately.I plead with CFPB to investigate this matter. 
The XXXX accounts are inaccurately showing multiple illegal lates after charge/off. 

1 ) XXXX XXXX - XXXX XXXX XXXX ... ..., 2 ) XXXX XXXX - XXXX XXXX XXXX ... .... 
The lates report as recent as XXXX 2015.
XXXX has failed hundreds of times to proof this account they are reporting on my Experian report belongs to me, further have they failed to prove that each transaction belongs to be. The reason is because it doesn't and it's causing me severe damage. This has been going on for more than 4 years. 
I already provided them a copy of my Identity Theft report and they refused to honor it although all other creditors honored it.
Due to  Navient and their lack of interest in helping consumers I was forced into bankruptcy to get relief while I was unemployed. I am now a public service employee and fulfilled the terms Of my bankruptcy. Navient  sent me loan statements   XXXX   dema nding 2 payme nts due on student loans and private student loans totaling {$1000.00} a month which exceeds my monthly income once you factor in living expenses for myself and my child. They told me I can easily afford the payments and could not lower my payment based on income. I sent in my paperwork to qualify me for loan forgiveness on   XXXX   XXXX  . I mailed it and faxed it to the number and address listed on pa ge 4 section 7 on the six pa ge document provided by  Navient . They have no record of any of it. Then informed me the address and fax number previously provided is not the correct information and gave me a different fax number to send it to. No one can answer why the form provided by them has inaccurate information and could n't tell me who 's number was provided that I sent my social security number into. I spoke with several people today and wastes countless hours and achieved nothing. {$1000.00} is not something that I could afford to pay. I am trying to make good on my deb t w Na vient but they are making it impossible asking for something I can not give.
I, AM XXXX XXXX XXXX HAVE A LOAN WITH XXXX BANK, AND THEY REFERED IT TO THEIR MORTAGE COMPANY, SYNOVIS BANK. THAT WAS ALRIGHT, THE ISSUE IS I OWE SOME PROPERTY TAX ON MY HOME AND MY DAUGHTER XXXX WAS PAYING THEM, SHE WENT AND PAYED SOME OF THE TAX, BUY THE TAX COMMISSIONER WROTE AND OR CALL THE BANK AND TOLD THEM HE WAS PUTTING MY HOME UP FOR SALE THE BANK TOOK ON AND PAYED SOME OF THE TAX, THAT WOULD HAVE BEEN ALRIGHT BUT I DID NOT AUTHORISE THE COUNTY TO DO THAT OR I DID NOT SIGN A RELESE FORM FOR THE BANK TO TAKE ACTION, I WENT TO XXXX BANK AND TALKED TO THE BRANCK MANAGER, AFTER I DID NOT HEEAR FROM HIM, I WROTE A LETTER TO THE BANK AND SENT A COPY TO XXXX XXXX THE TAX COMMISSIONER FOR XXXX COUNTY, WAS IT RIGHT FOR THE BANK OR THE COMMISSIONER TO TAKE ACTION WITHOUT MY INVOLVEMENT I WOULD LIKE TO KNOW, WHERE I LIVE THE COUNTY AND THE CITY OF XXXX, EXTENDED THE JAIL HOUSE IN OUR COMMUNITY AND I ASK THE TAX AJUSTER TO COME OUT AND RE EVAUL MY PROPERTY THAT NEVER HAPPER. 
I APPLIED FOR HOME OWENER TAX RELIEF THAT WAS NOT GRANTED, IAM XXXX ON A FIX INCOMEAND WHERE I LIVE THE ONLY SERVICE WE GET IS FROM THE CITY THAT IS WATER, AND TRASH PICK UP IF YOU WILL HELP ME UNDERSTAND IF THEY ARE RIGHT OR WRONG I WILL APRECIATE IT. 

SINCERELY XXXX XXXX XXXX.
With the security breach of Equifax, i will not sign up for their year protection due to the clause in the fine print. I want answers from Equifax instead of 'we are sorry '.
I need a coy of my report because there are addresses and information that is not correct on my credit report. My name is XXXX XXXX XXXX. Please remove any other variations of my name. I had issues of my personal information being compromised.My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX Please remove the following address they are not mines. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX   XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX, NC XXXX
I have filed a dispute with the 3 credit reporting agencys. Transunion, XXXX, and XXXX. I have been trying to get an error corrected on my 3 credit reports for quite some time now. I have 2 accts from " XXXX '' reflecting on my credit report. I have requested several times via usps mail for validation of this acct. These 3 companies are under strict laws that are designed to protect the consumer in instances such as this the law states as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Which means that billing statements are NOT good enough. I have demanded to see the actual signed promisary note of these accts. Which they have failed to provide. Furthermore the law also states : Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The proper proof that is acceptable is as follows : I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance I would like the 2 accounts that are listed as " XXXX '' on my credit report with the 3 major credit bureaus be removed immediately as listed by law that must be filed. There is no choice in this matter moving forward.
Hi, I have a PayPal account which was recently closed with {$25000.00} still in it. PayPal closed the account without prior notice and are refusing to let me withdraw these funds for 6 months. I have to pay for stock that 's already been delivered to my customers. I 've provided tracking numbers to show PayPal that the items are delivered and the consumers are happy. Despite this, they still say it 's too risky to let me have my money and they 're going to keep it. I 've raised XXXX complaints with the executive office in Paypal. They reviewed the case and said they 'd not be releasing the money. I 've spoken to at least XXXX representatives who all say the same thing after reading the notes left on the account by previous employees. They 'll not give me a clear answer on the reason it was closed. They only say it 's " risk management ''. If I want more information, they said I 'd need to subpoena it. I have to pay for stock with money I do n't have. Their actions are putting me under massive financial struggle, as I 've no way to pay off the credit cards which had to be used. Over the next 6 months, they 'll directly benefit from ceasing my money, as they can reinvest it and earn interest. I 've had to close my store and cease trading as I ca n't buy any more stock.
My mortgage through Ditech was paid off XXXX/XXXX/2016. My remaining escrow balance owed to me is {$3000.00} and I still have not received my funds. Most all mortgage companies ACH the escrow funds to their customers within XXXX to 5 business days. Ditech stated they only mail out checks and ca n't do ACH or wires. XXXX/XXXX/2016 and I still have not received a check of the money that is rightfully mine. I have stated to them multiple times through phone calls and online the time frame they have held my money is absolutely unacceptable as I have liabilities to take care of for my family. I know for a fact they have my correct address as through their online system I have filed complaints to see where the check is. The generic system responses have been mailed to me which tells me they have the correct address on file. I have also followed up with Ditech 's reps over the phone. Ditech is making interest off of my escrow and holding my funds for whatever reason and I fear they 're most likely doing this with other clients as well. I need to receive my escrow balance owed to me. Please help. Thank you.
I received a Garnishment Doc from the XXXX County Superior Court via XXXX County Sheriffs department through my Employer XXXX. It was from Legal Recovery Law Offices for the plaintiff XXXX XXXX XXXX. It 's states that I owe {$4000.00} to XXXX XXXX XXXX. XXXX XXXX XXXX is a debt purchaser, from what I read online. XXXX through XXXX XXXX XXXX Offices have however, ALREADY started collecting in the amount of {$70.00} witch will be 25 % a week of my check, being so that I am a temp employee. This is CLEARLY a violation of the Fair Debt Act, as XXXX nor Legal Recovery Law Offices STATE the ORIGINAL creditor on this Garnishment Doc? There is n't even a TYPE of credit that this {$4000.00} was for?
Summit Receivables has been calling several times a day, and leaving multiple messages per day on voicemail -- they left a detailed message on my cellphone before they had verified the number was mine. They left a voicemail on my manager 's phone at work as well, only minutes after they had already left a message on my cellphone ( violating the multiple contacts per day rule ). The message on my cellphone said I had made them a payment which did not clear my bank -- which is false, I have made no payments to them. They claim to have sent me written mail to verify the debt, which I have never received, and are refusing to send additional written verification. I can not contact them in writing because I have not received anything from them, to which I could respond. 

Every voicemail they have left on my phone claims I have bounced a payment *with them* which is patently untrue because I have not made any payments to anyone through Summit Receivables.
The State of XXXX  Federal Court does not submit information of Public Records to ANY of the 3 credit bureaus, that was verified by me via mail with the State of XXXX  Federal Court - XXXX XXXX XXXX, XXXX  XXXX, XXXX   XXXX, MO XXXX. I had a Chapter XXXX Bankruptcy on XX/XX/XXXX that is an outdated Public Record still being reported on my Credit Reports from Experian, XXXX  and XXXX. All matters of Public Record that are not reported to the Credit Bureaus directly from the Federal Court, but by a third party data miner, are not to be considered valid or accurate. Please assist me in getting the Public Record from XX/XX/XXXX off of my XX/XX/XXXX Credit Report. Thank you so much.
On XX/XX/2018 I logged into my Citi account to make my monthly payment on the two credit cards I have with them. One card is due on the XXXX, one is due on the XXXX. I made payments to both cards that day. In the past with Citi, I had an issue with my payment not going through on one other occasion roughly a year ago and was assessed a late fee of {$25.00}. At the time, I was relatively certain ( but not 100 % ) that I had made the payment but I paid the late fee since I couldn't say with absolute certainty that I had. Since that time, I have been extremely vigilant about making sure my payments say they are processed when I make them. I can say with 100 % certainty that both payments made onXX/XX/2018 were submitted properly. 

I received a call from a Citi representative on my cell phone at work today. I was informed of the past due amount and when I told him that I had made the payment, he told me that the last payment was made inXX/XX/XXXX. I told him I would look into it and get back with them this evening. He kept going on and on, so I disconnected the call. 

I arrived home and logged onto my account and then engaged an agent ( XXXX ) via the chat feature. I gave him the information he requested, he said he would initiate an investigation, and I asked him to wave the late fee and I would make another payment right now. He told me that he was unable to do so and here we are.