WillisBack/dataset-financial-user-claim huggingface dataset:
This dispute is in regards to the account number ending in XXXX. The account is assigned to XXXX and XXXX XXXX. When we created the online account to setup automatic payments on XX/XX/2017, we spoke to the Toyota customer service representative about setting automatic payments. As the account was being setup, what was overlooked is the fact that the start date of the payment is different from cycle date. They setup the payment cycle system after the due date on the account and made my payment late. From there Toyota financial reported it to the credit bureaus. They reported a late payment and that affected my credit report and score. Im sending this letter so that your department can look into our inquiry and remove the late payment on our credit report. We appreciate the department looking into our concern. Please if there are any questions please contact us at XXXX or at XXXX.
I opened a Citigold account today based on a promotional offer ( Promotion Code : XXXX ) XX/XX/2015. I met the terms of the promotion as confirmed by Citi representatives in two separate instances ( attached ). 

When the promotion points did not post to my account after 90 days of meeting the promotion requirements, initially Citi first said that was because I was not targeted for this promotion. When I showed then that I was targeted, they took another 60 days to respond with a different reason for rejection. This time they cited Terms and Conditions that did not exist with the promotion I applied under. Specifically they stated " Citibank only offers one promotion per customer, as stated in the terms and conditions. '' while the promotion terms and conditions stated " To be eligible for this limited-time offer, you must not currently have a consumer checking account with Citibank. You are not eligible for this offer if you were a signer on or owner of a Citibank consumer checking account within the last 60 calendar days. '' How can XXXX Citi agents confirm that everything is OK and I will be getting my points soon, and then another agents gives a completely different answer? Who is a consumer supposed to trust? If XXXX Citi agents, on different occasions are not able to accurately understand the terms of the promotion, how is a consumer supposed to understand?
Hello, I have emailing the bank and filed a complaint with the cfpb before. Everyone assured me the sale date was post poned and today we are showing it went foreclosure in court! If this is the case we need it reverse. I was assured multiple times that she no longer had a sale date.
I saw a XXXX XXXX commercial on television for a payday loan. 

I borrowed {$1500.00} from GreenLine Loans in XXXX 2014 to meet my XXXX XXXX, 2014 Federal Tax extension. I made XXXX payments. The first XXXX were scheduled for {$99.00} each. This was every two weeks. 

On my XXXX scheduled repayment day, I asked to pay off the balance in full. I ended up paying {$2200.00} to settle the debt that was less than 30 days old. They charged me {$750.00} in finance charges and did not disclose that to me when I made the loan. 

My weekly payments were as follows : ( emails from Greenline ) XXXX XXXX Your next payment of XXXX is scheduled to process on XXXX XXXX, 2014 If you have any questions, please call XXXX. 

XXXX XXXX Your next payment of XXXX is scheduled to process on XXXX XXXX, 2014 If you have any questions, please call XXXX. 

{$750.00} finance charge for a 30 day loan of {$1500.00}! 

Customer Service Greenline Loans XXXX XXXX. XXXX XXXX XXXX, MT XXXX XXXX
I was in communication with Home Financing Center, Inc. loan servicer for XXXX XXXX XXXX XXXX XXXX regarding a refinance on an existing mortgage I have with XXXX XXXX XXXX. While maintaining communication with XXXX I strongly emphasized not to get my credit pulled until I have the facts and clean numbers on paper and then finally to review. XXXX sent me numerous estimates and finally a final draft. The final draft had so many errors I was stunned and concerned. I immediately contacted him but he was unavailable at times. When I finally got through to him I mentioned all the errors and since I was already disappointed and not trusting this institution I requested to have my request for a refinance terminated. So long story short I never authorized or gave my social security to XXXX. I immediately addressed this to him and his superiors, however everyone ignored me and nothing ever got done. I filed a report through the XXXX and they responded to me " company refused to answer ''. Then I filed a complaint via XXXX, XXXX company they use to pull credit records and opened a claim advising that my credit was pulled without my authorization. On XX/XX/2016 XXXX sent me a letter stating that XXXX XXXX XXXX got verbal authorization from me to have my credit pulled. This is completely false and not true. Now I have decided to report this unethical matter further to assist me in finally getting the unauthorized inquiry removed from my credit reports and finally put closure to this matter.
Ive been hatched and identity fraud. My online Hatchers keeps accessing my accounts. I cant stop them from going into your data base and accessing my accounts.
In XXXX XXXX I was approved at Belk Dept.store in XXXX, NC XXXX. I charged to full limit and never paid late. Purchases were between store and online. My card was lost in XXXX. I received a new card and activated it on or around XXXX XXXX XXXX. I attempted to make and online purchase and purchase was denied. I called Belk around XXXX and was told to reapply. I was told the active card, activated around XXXX XXXX XXXX was not active due to not making purchases. My last purchase was made online and Belk could not find the record. I was told the only way to reactivate the approved successfully activated card was to reapply. I reapplied on XXXX or XXXX. The application generated a message that I would have status of application 24-72 hours as I recall. Today, I received an email stating I was denied due to previous approval. After at least an hour I was transferred to an underwriter at exactly XXXX eastern time I was hung up on by Synchrony Bank underwriter who said I needed to reapply because I did not speak to and underwriter soon enough, I asked what the time frame required was and was told it is specific to each application and each applicant, then he asked when did I apply, I said 24-72 hours ago, his response was that this is my answer to my question. I said my question was, when did your company pull my credit report and why was I not advised to contact an underwriter, and what is the time frame. My report was pulled 24-72 hours ago, why am I being requested to reapply? The letter that Syncrony generated I am copying email to me on XXXX at XXXX XXXX : Synchrony Bank has received your request for credit for a credit program with BELK. Regretfully, your request can not be approved at this time. The boxes checked indicate the following X The request was judgmentally reviewed and denied for the following reason ( s ) : PREVIOUS APPLICATION APPROVED
On XX/XX/XXXX my partner and I went into XXXX XXXX and purchased a used car. They let us leave with it. I started calling XXXX about a week later asking about the tags, heard nothing back. Started calling and messaging two weeks later and they said the loan might now have gone through yet didnt give an option to bring the car back. I was asking for answers and explanations. Then on XX/XX/XXXX I went up to the XXXX dealership, again not offering any solution other than telling me that I had to sign the contracts alone because of my co-signer. This was almost a month apart due to credit and the loan. I even had mentioned bringing the car back and that was skipped over as if it wasnt a possibility. Circumstances have changed and I can not solely afford the car by myself and my partner and I split up. I have called the back, PNC, multiple times explaining the situation and asking for a loan extension or some sort of reprieve. I was originally supposed to be signing for my credit and my partner was the one providing pay stubs and pay for it. The bank has refused to work with me after wanting to speak to a manger I was told it could take up to theee days just to get a callback. I am appalled at how both companies have conducted themselves and the more I look for answers to keep my credit in tact and figure this out, the deeper in the hole I go with no solution of how to get out.
My private student loan account has recently gone into collections and I 've been set up on automatic withdrawals with XXXX of {$100.00} each month. Recently I 've had double payments withdrawn from my account over the period of three months. I called and it took several weeks to get this issue resolved and I did receive a refund of {$200.00} but now the issue has happened again. I spoke with XXXX at Navient Customer Advocate who helped to resolve the issue and assured that the double payment was a glitch and would n't happened again. Well it happened again this morning and I really need this resolved because it 's definitely against the {$100.00} agreement that I have with XXXX. I need this resolved and a refund immediately of my {$100.00}. If you can help please do, Thanks.
Bank of America 's website layout and wording to set up automatic payment to pay your credit card account minimum payment is confusing, cryptic, problematic, and somewhat deceptive! 
I signed up for what I thought was Bank of America automatic recurring payments option in XXXX XXXX that would pay the minimum amount due on my account each month. I set the minimum payment of {$25.00} to be paid on the second day of each month. In addition to this minimum payment that was being made automatically, I would also make additional payments during the month. In XXXX XXXX, my minimum payment due was {$89.00} and not {$25.00} that the automatic recurring payment option was set for. For the first time since I had open my account I had not made any additional payments during the month. This caused my account to show a partial payment of {$25.00}. Since I had also signed up to receive paperless statements on XXXX XXXX, XXXX, I did not discover this mistake until XXXX XXXX after I logged into my account and saw a 30 days past due notice. I immediately made an online payment to bring my account current and then called and spoke to a customer service representative about what had happened and made another payment for the same amount with the customer service representative. The problem with Bank Of America website payment option is that consumers have to select the e-bill option to enable the E-bill feature that allows the monthly minimum payment based on the account balance for that month to be paid in addition to ( not instead of the recurring payment ). Unfortunately, it is not easily apparent or accessible for consumers to do so which makes confusing, cryptic, problematic, and somewhat deceptive! As a result, consumers like me who use credit card company automatic recurring payments have inadvertently sign up for the WRONG automatic recurring payment option on BOA website. This caused my BOA to go delinquent, assessed a late fee, and more importantly has devastated my otherwise good credit. My score dropped by XXXX points and my credit limit dropped by {$15000.00}. My lifelong dream of XXXX day owning my own home now seems like just a dream! 
My complaint is not an isolated and rare event. There are many more consumers who have had similar experiences with BOA website payment options.
I sent XXXX proof that I cured the bankruptcy with Chase in XXXX. Attached. I filed bankruptcy in XXXX. Chase is erroneously indicating on my credit report that the debt was included in Chapter XXXX Bankruptcy on XX/XX/XXXX. 

I filed bankruptcy in XXXX. My credit report should exclude bankruptcy since I am in a Chapter XXXX in 7 years. The bankruptcy should be removed in XXXX but it is still on my report and they indicate it will stay reporting until XXXX which is 13 years after I declared bankruptcy.
A PayPal credit account was opened in my name and has an outstanding balance on it that is not attributable to me. I want this account removed from my credit reports and I want the derogatory comments removed from the credit files as well.
1st Data continues to report a debt on my credit report that I do not owe. I have disputed this account at the credit bureaus, but they keep verifying it. I have also challenged them directly to verify the debt, but they refuse to supply any documentation to show this debt belongs to me.
I have a loan with XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX XXXX  XXXX with no successful resolution. Equifax and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.
There 's are XXXX XXXX accounts that do n't belong to me that I did not give my permission to open nor did I give my authorization to any goods or services to
10 years ago we bought a house from XXXX XXXX and our loan was processed by them.When we took this loan it was our understanding that it was a 5 year interest adjustable mortgage with the option to renew it at the same term for another 5 years. After the initial 10 year adjustable period our loan will be fully amortized for the remaining 20 years. We took this loan in XXXX, 2006, never miss a payment, and we were ready to see how much will our payment is if it were to be fully amortized for the remaining term but I was shocked when I received the statement from XXXX XXXX who got our loan from XXXX XXXX, that we still have the adjustable rate, and the only difference is they added the principal and escrow, and our rate is adjusting every six months based on the XXXX index rate. To me, this is unfair. It was not fully explained to us when we got this loan..now that we are retired we do n't know what to do. We ca n't qualify to refinance because of our bankruptcy and with our income now, we might not qualify. If only XXXX XXXX loan people explained it to us clearly 10 years we would n't be in this predicament now. We might lose the residence that we lived in the past ten years. I believe that this was a predatory loan designed to prey on elderly people like. I know we signed the papers but it such a thick volume of papers we had to go through, so we relied and trusted the loan officer, that she had our best interest at heart and that she gave us the best loan at that time. My husband is XXXX years old and I am XXXX years old, I do n't think there are still companies out there who would hire us just for us to save our home. What I really want is for our original lender to change the term of our loan and have a 30 year amortized loan so we could afford the payment and keep our home. Our loan is transferred to a new loan servicing company, Specialized Loan Servicing LLC. Thank you for your support.
My identity was stolen in XXXX and on XXXX XXXX someone ordered a phone and service with XXXX XXXX. I filed a police report with the XXXX XXXX. I have made numerous calls to XXXX and to Equifax and the Credit Inquiry is still showing on my credit report, now more than 90 days later. I can not get either company to remove this inquiry off my credit report. Equifax tells me XXXX must do it ; XXXX tells me Equifax must do it. I need this removed. This is very stressful as I have to continue to call both companies and find no resolution.
LOAN # NATIONS STAR. XXXX My bank wo n't respond to a short sale that has been in the process for over three years. They ignore request from my laywer, realitor .and me for an up or down decesion. they reply it in underwritng for the past three years We have submitted hundreds of douuments.
I tried a 7 day trial with Equifax to see why all my scores had different numbers on different sites. It said XXXX for 7-day trial, that day Equifax charged my XXXX card XXXX for three scores. I never accepted this fee or agreed to be charged.
first all of the major credit reporting agencies are reporting wrong information on my reports. they are incorrectly reporting wrong personal information, wrong account information, and credit inquiries I never applied. I have disputed all of these items, have sent all required information such as driver 's license, social security card and utility bills. 
a day or XXXX later I receive the same email asking for the same identical information. I faxed the same over and over. the fax confirmation tells me the fax went through " ok ''. 
I have not been able to get my credit reports for the last 12 years because they either ask for information that I have no idea about, or they tell me I am not eligible to receive my free annual report. I had to file for bankruptcy due to i.d theft, at which time they finally let me get a free credit report. I had a fraud alert on all of my bureaus prior to the I d theft, but yet someone was able to obtain fraudulent credit in my name and I was never notified. I asked the bureaus back then about this and their response was we did n't have the correct number to call you. if this was the case then credit should have never been granted. 
these credit reporting agencies are nothing more than a criminal element govern by finance companies. these credit reporting agencies should be investigated and penalized for violating people 's rights to contract as per the " fair credit reporting act ''
We did not reaffirm the mortgage of our home when we filed bankruptcy in XX/XX/XXXX. The bankruptcy was XXXX. Several months later, Chase Mortgage began contacting us. After telling them several times it was in a bankruptcy, I found out that Chase had not received the proper paperwork from my lawyer. The lawyer then faxed it to them. However, they continue to call even now in XX/XX/XXXX. Because I am a service member, they can not foreclose and end this. I do n't want a foreclosure on my record in addition to a bankruptcy anyway. I want to begin repairing my credit from the bankruptcy XXXX in XX/XX/XXXX but Chase has not cleared my account. There has also been a change of address to a XXXX entered with Chase by someone, neither me nor my ex-husband. Now, mail sent to that address is being returned to Chase as well. We suspect foul play there. Regardless, within the Chase company, there appears to be poor communication and practices. They are not making an effort to research documents sent to them and clear my account. As a servicemember, I will have to have a security check in the next 2 years ( checked every XXXX ) and an outstanding mortgage debt of this size for this may cause me to lose my security clearance,
I have a XXXX XXXX account that is : -Reflecting credit cards that I do not own, have never opened, belong to someone else, and are damaging my credit rating on both Transunion and XXXX There are three new credit inquiries on my credit rating accounts with Transunion and XXXX- I have not applied, requested nor have I given consent for these inquiries. 

My credit rating has dropped almost 40 points in a week. 

I have never applied, used or owned these cards : XXXX XXXXXXXX Last reported : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 The following inquiries have been made on my account without my request or permission : Inquiry details : XXXX XXXX XXXXXXXXXXXX XXXX Inquiry from XX/XX/2018 Complete Dept. Stores XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos.
PNC Bank is almost impossible to make contact with regarding my second mortgage loan. Each time I attempt to call I 'm on the phone no less than an hour trying to get to the department that handles my account. First they changed the account number without notifying me. The branch office where I pay my loan could n't find my account, subsequently I had to wait 40 minutes before they were able to process my payment. They gave me what they said was supposed to be my account number. Several weeks later I attempted to call the PNC regarding a notice they sent me and ended up being on the phone for over an hour, because no one could find my account number. This happens all the time!! It appears they do n't want customers contacting them. I do n't have a department phone number, there 's never any number for contact on any correspondence they send me. Additionally, I 've tried to refinance this loan several times when my credit score as well as my wife 's credit score was in the XXXX area, and we were refused, although we paid our mortgage {$1000.00} on time with a 9.74 % rate. Although now we are retired and our income has n't increased we are paying the mortgage late each month, which means PNC is charging us {$100.00} late fee each month, which is further financially destroying us. We 've had this 2nd mortgage since XXXX/XXXX/06 and we do n't want to continue to be treated unfairly, unlawfully, taken advantage of and discriminated against.
I was under the impression that XXXX was the " official '' site to get all three credit reports for free. I was allowed to get my Experian credit report. But when I tried to get the other XXXX, I was told they were unable to process my request and instructed to send in a lot of paperwork and personal information via mail. Last year I was only able to access XXXX, not including XXXX. I 'm not sure what 's going on, but after an online search, I am finding that many other people are experiencing the exact same problem. I am trying to find work, and I think my credit is keeping that from happening, which, by the way, should n't be allowed ; it 's very discriminatory. I feel that I am not allowed to access vital credit information that is vital to my well being and self-sufficiency. Each year, it seems like we lose more and more control over our finances as banks use our credit information against us regarding housing, employment and other areas. Is there anything you can do to help? Thank you.
Received letter dated XX/XX/XXXX    from collection agency. In letter, it stated I had 30 days to dispute the validity of this debt or any portion thereof. I sent a letter to this company certified disputing the validity of this debt and requesting that this agency validate this debt belonging to me. This debt continues to be resold to various collection agencies and each time, each company continues to fail to validate debt and have had to remove it from my credit report. This debt does not belong to me.
XXXX, XXXX and Experian has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

XXXX XXXX XXXX