WillisBack/dataset-financial-user-claim huggingface dataset:
I have had an automatic payment set up for the XXXX of every month since 2010. I have paid over the required payment every month. On the XXXX payment I changed the amount to the minimum payment due for financial reasons. Discover is telling me because I changed the amount of the payment it changed my due date the XXXX of the month. I was never notified of this change. I have always known that after the XXXX of the month all my bills are paid and what is left is mine to survive on for the month. Discover did not try to take the payment until the XXXX of the month. They continued to try on the XXXX and the XXXX. Since I get paid on the XXXX of the month there were no funds in the account. They caused XXXX overdraft charges plus a {$.00} foreign transaction fee costing me {$75.00}. They refuse to refund this amount to me due to their uncharacteristic change of due dates on my bill. I could not access my account due to my computer being down so did not realize this had happened until today.
Hi, i recently received a barclay arrival plus card. I had not have the satisfaction of using credit due to the card not benign activive or on hold for more than 45days. 
The credit company is requesting a copy of my SS # from & back, Driver license with copy of bank statement to verify my identity. 
I spoken with numerous customer service rep, to address this issue. The customer service would state " In order to resume my account I need to send a SECURE passcode to number on file '', I get the secure code & pass the verify to find out my account is still on hold. 
I have a matter on my account, which I ca n't address because of the hold on my account. 
I fax over 3 times copies of verification. I omitted certain information for my privacy sending sensitive information via fax, mail, or online according to the privacy act law. 
I had made numerous payment to my account and in good standards. I DO NOT SEE WHY MY ACCOUNT IS NOT BEING UTILIZE TODAY. I SUBMIIT DOCUMENTS AND NO RESOPNSE.
O n  XX/XX/XXXX my husba nd and I closed our joint  Chase acco unt due an automatic monthly charge that would not stop recurring even after we told a separate company to stop the charges. I had the account with  Chase for  over 2 years plus being a customer with them for over 7 years all together. My husband was added onto my account back in   XX/XX/XXXX ,   so  the account was firstly mine then became a joint account. All my banking has ever been wi th Chase. So aft er we closed the account, my husband immediately opened anothe r one and  then on   XX/XX/XXXX  we  went back into  Chase to add  myself onto the account and i was declined twice. All they would give me was a piece of paper that stated i needed to call   XXXX   to find out why i was being decline . Chase sa id it could possibly be from fraud on my credit or frozen status. I called   XXXX   and talked wit h two diffe rent ladies who both told me the same thing. I had no fraud or any issues with my credit that would gi ve Chase a ny reason to prevent me from opening an account or be added onto my husbands account. So I called  Chase  through their corporate customer service and told then everything that happened and they were not help either. All they said was to keep calling  XXXX  I am completely lost and do not know what else I can do to open a bank account. I tried other banks and I keep getting declined. I need some detailed report as to why I am being declined for a bank account. I also have never had a bad check in my name nor have I ever closed an account with a negative amount. I was never in bad standing wit h Chase.
Account is on a reoccurring online payment plan, for repayment of a simple interest mortgage. Account is due on   XXXX   of each month.  Servicer sh ows that the payment is made on time and credits account with the amount due.   Servicer continues to collect interest in their favor until they receive the monies from my bank. Servicer does not honor the " mailbox rule '' as they do not have local offices.
Servicer was sent a lette  r requesting an audit and correction of the account. The sent response letter stating the matter would be investigated and concluded by  XXXX  but as of this date they have not responded to the request for correction.
I had a Credit Card with XXXX XXXX. I paid the amount off XXXX XXXX, XXXX. I have the actual checks that were cashed by XXXX and the actual original bill in XXXX. I have had them deleted off of my credit report by XXXX, XXXX and XXXX as it was proved to be paid in full. It has been deleted several times ; from XXXX County Court, XXXX as well as XXXX XXXX XXXX. They now are taking XXXX from my paycheck every 2 weeks. I do not owe this bill and I can not afford to keep losing money. They have a total of XXXX as of this week. I have all forms and documents to prove my case to fax it. Thank you for all your help.
I submitted a dispute with Experian because all attempts failed with XXXX XXXX XXXX to provide validation of the account. XXXX XXXX XXXX sent a letter saying that they will not validate the account. I forwarded the letter to Experian and they still refuse to remove the item from my Credit report. this is in clear violation of the FCRA since XXXX XXXX XXXX to this data has not validated the debt.
I have a Citi Visa Debit card that I believe I received as part of a promotional offer. I no longer have the paperwork that came with the card. I had not used the card and it was misplaced during a move last year and the card expired XX/XX/2015. 

According to my research and based on information on the CFPB site : " The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. '' I have contacted Citi about replacing the card, which only has a balance of {$5.00}, and they are refusing to replace the card. At first they simply refused. Then when I pointed out that their website stated they would reissue expired cards, they responded that they could only reissue within 180 days of expiration. Then later, after I informed them of information I found on your site, they responded, " The Citi Prepaid card you received is a Promotional Prepaid Visa, and not a gift card making it exempt from legislation referencing gift cards. '' My card is not identified specifically as a " Promotional Prepaid Visa '' or as a " gift card. '' My card simply says it is a City Debit Visa. 

They have given multiple excuses as to why the card can not be reissued. I know it 's only {$5.00}, but it is the principle of the matter, that they issued the card and are finding any excuse they can not to honor it. I think this is poor business practice and speaks volumes about how they treat their consumers.
My loans were discharged in bankruptcy and XXXX XXXX is continuing to change the amounts and will not honor my discharge paperwork. I sent them a faxed copy of my paperwork. My balance went from XXXX to XXXX dollars
Equifax is reporting an old Inquiry from XXXX XXXX dated XX/XX/2016 that is beyond the two year required length of time for it to remain on the report. I attempted to contact Equifax directly but they keep responding stating " Please be advised that inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor directly. " How do they know that the inquiry is indeed factual? The law is very clear on this matter, the information must be verified. It can't be shrugged off, they have to investigate the matter.
I checked my credit report, and noticed a new collection account from Diversified Consultants. They say its a debt from XXXX XXXX. I have never had service with XXXX XXXX. I contacted XXXX and they have no record of me. I want this removed immediately from my credit report.
Hello, I signed up for the Citi Double Cash card on XX/XX/XXXX. The promotional offer at the time was for a {$150.00} cash back bonus after {$500.00} in purchases within the first 3 months of opening the card. I called multiple times to confirm that the bonus was available and was told over the phone that it was available. The week of and the week after I signed up, as well as in Mid-XXXX and twice in XX/XX/XXXX on 1XX/XX/XXXX and XX/XX/XXXX. I have met the minimum spend amount and am expecting the bonus but was told now that the sign up bonus was not applicable to my account. I have a screenshot of the bonus offer if needed. 

Thank you
Experian is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to me.
I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. 
Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Please Know That I am ONLY requesting this Validation on the following accounts Opened XX/XX/XXXX ( 1 yr, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 01 XXXX XXXX Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Please note that i see you are attempting to sue me in court on XX/XX/XXXX and i will be there to dispute it and show the just this issued complaint as my proof that i have requested debt validation and you have at this time failed to comply -
I was open a checking accunt in PNC Bank since XX/XX/XXXX and evry thing it is good and I pay my bills and work normally, but XX/XX/XXXX I was surprised that the bank want to closed my account, I asked them about the reason of that no one answer me,!!! after that I open new one in XXXX Bank and evry thing good too, but XX/XX/XXXX I received a letter from this bank that them need to close my new accont too!!!! and I asked them the reason and the same thing no one answer me!!!! Please help me what is wrong?? what I did? and I doing now?!!
I started re modification process through XXXX XXXX XXXX. My lender is : RUSHMORE LOAN MANAGEMENT SERVICES XXXX. XXXX XXXX XXXX, CA XXXX TEL XXXX, FAX XXXX LOAN OFFICER : XXXX XXXX LOAN # XXXX The problem I am having with them is that the re modification is taking for ever, they asked for all sort of documents, when sent to them they denied it was not seen, when resent they wait for a while and request for the same documents after confirming the documents were received. I am suspecting they are wasting time so that they can be able to foreclose my house. I was behind because I lost my job and I got a full time job now. My wife has a XXXX XXXX since XXXX it is only me that is working in my household. Thank you. XXXX
Dear CFPB, I am very concerned that I had money removed from my accounts by XXXX XXXX   employees. Over {$400000.00} was removed from my accounts and invested without me being told of the movement. I never gave anyone permission to remove money from any of my accounts. I had a lawyer but not hearing from him in two weeks I figured he wasn't going to do anything for me. Because I didn't sign papers for him to request my bank statements. The last meeting I had with attorney XXXX he asked if I wanted him to suggest a lawyer to help me. I went looking for another lawyer myself. 
I first learned of the money being removed from my accounts in XXXX, I called the bank and was told to call the CEO XXXX XXXX, I was confused but called and wrote him several times over the pass 11 years. 
A bank manager XXXX XXXX at the XXXX Ohio branch for some reason either was appointed or took it upon himself to except any calls concerning my compliant. He obviously told whom ever called that everything was taken of when it hadn't. He told other bank managers not to look at my bank statements or to listen to my compliant. I had informed other departments of the bank but nothing was ever done to rectify my loss. 
I feel with XXXX XXXX being the CEO he should have appointed someone to look into the matter for me. Not one bank official sat down with me and went over my bank statements. I have lost a lot of money and a life from XXXX because of learning in XXXX that {$100000.00} of the deposit was missing I took the blame thinking I wasn't paying attention when the two checks were deposited, my life has been a shambles. 
Someone needs to take responsibility for the lost of money and a life.
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Number : XXXX XXXX : XX/XX/2018 Amount : {$1800.00}
In XXXX XXXX, I had applied for XXXX XXXX to XXXX, on the XXXX XXXX. For XXXX XXXX, I got charged twice via XXXX transactions for the same XXXX. I called the Vendor and I was assured that there was only transaction recorded. The first transaction ended in error necessitating the second transaction. So for issual of XXXX XXXX XXXX I got charged twice. The vendor issued only XXXX XXXX, but charged me twice. Upon calling the Bank of America a credit in amount of {$61.00} was issued correctly. Now the Bank of America has re-instated the charge of {$61.00} despite the vendor providing only XXXX XXXX but charged twice. The vendor supplied the paper work for charge proving its validity but hid from the Bank that it issued only XXXX XXXX but charged twice. The transaction reference # XXXX. The date of Original transaction is XXXX/XXXX/XXXX and the date of debit is XXXX XXXX, XXXX
Received a purchase / construction mortgage from Movement Mortgage in XXXX XXXX. That loan was for the property purchase ( $ XXXX ) and renovation funds of XXXX $ XXXX XXXX for a total loan amount of {$180000.00}. Contractor did n't start work until XXXX XXXX. Worked four weeks, was paid $ XXXX from construction fund. After receiving payment the contractor abandoned site. Found a replacement contractor. Movement Mortgage wo n't release any of the remaining construction funds to the new contractor or to me to pay the contractor. They wo n't even work with me to refinance the original loan for the new contractor 's contract price. The new price is higher than the original contractor 's price, since major damage was caused by that contractor and now has to be fixed under the new contractor contract. In the interim I am required to pay monthly principle and interest on the remaining construction funds they are holding and wo n't release toward any construction. This has created a complete STOP on renovations of our home and has created much over costs since we can not move into our house. Since Movement Mortgage wo n't do anything for us, we have found a local Bank that maybe able to payoff Movement and issue a new mortgage. Movement after too many requests, refuses to give me payoff amounts on my existing loan. They wo n't give me any actual numbers. They continue to refer me to my mortgage statement balance which includes the remaining $ XXXX construction funds that they are holding and wo n't release but demand that I pay monthly on. 
The attorney that I have hired to sue the first contractor, spoke to an attorney at Movement Mortgage who gave a reason for not doing anything for us was that they were afraid I was going to sue Movement Mortgage. As of this writing Movement mortgage wo n't return my calls or respond to me. I want to have this situation investigated as to the legal right of Movement Mortgage to keep funds and demand that I pay principle and interest on those funds. Also to refuse to submit proper payoff accounting of my loan so I can move forward with a fairer and more reasonable lender.
I was divorced in 1998. Even though I have contacted the credit reporting agencies, two of them, XXXX and Equifax, continue to include my ex-husbands information on MY report. Therefore when I am asked questions regarding " my '' credit history I do not know the answers because it 's my ex-husbands data, not mine. I was currently denied credit by two credit unions/banks because XXXX  and Equifax say I have delinquent accounts. The car loan I was able to secure was twice the interest rate I should be paying. My credit score is 800 or over. This should not be happening. Please advise how I can get my information alone on my reports as writing to XXXX and Equifax did nothing.
I sent a letter via Certified Mail on XX/XX/18 to Portfolio Recovery regarding an unknown account listed in the collection section of my credit report. By law, I should have received correspondence within 30 days from the company. It has been over 90 days, and I have yet to receive any correspondence regarding the account. Therefore, I am requesting that this collection account be removed permanently from my reports. I am very unhappy with the lack of customer service shown by this company, especially since this account is negatively affecting my credit score.
I am disputing a debt form XXXX XXXX that was transferred to the debt collection company of Firstsource Advantage LLC. I owed XXXX an original debt of something like XXXX for annual usage fee. I do n't really use this card all that much so I wanted to pay off that balance and close the account. They said my best option was to use the points that I earned over time and convert that to $ $ $ pay off the balance and close the account. I said great, that is what I will do, please use my points to pay off the balance and close the account. I even had XXXX or something unused points left which amounted to like XXXX dollars that I simply was forfeiting to close the account. Well, months later I continue to get billed by XXXX. I said I paid this balance and my account should be closed. The monthly Bills kept coming much to my surprise. When I called them and tried to explain the account should have been paid off, they said we are going to refer your account to collections. I guess they were serious. I once again called XXXX to explain myself and even wanted to use those extra points that I had to pay off whatever was left, but they said my account is in collections and I have XXXX points. I tried explaining this to Firstsource and they refuse to listen, and said if I do not pay, that the interest will keep accumulating. I offered a partial settlement to make it " go away '' and they refuse saying I need to pay entirely which is now {$260.00}. I feel this is completely unfair by Firstsource and XXXX when all I wanted to do was close my account on a card that is not useful to me. I tried to setttle, I tried to do pay it off, and no one wants to listen. All they want is MONEY MONEY MONEY. This debt was paid .... unfortunately, I do not really have any supporting documents ... ... The only thing that would PROVE MY CASE is listening to the conversation I had with XXXX that PROVES I used my points to pay off my debt and CLOSE my account. 
Thank you for taking the time to read my story.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Equifax first learned of this hack on XXXX XXXX 2017. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for the consumer to have deal with.
I have been Dealing with XXXX  who has taken over XXXX XXXX  regarding my credit report. XXXX shows the acct open past due in XXXX balance of {$85000.00} due. The mortgage was discharged in XX/XX/XXXX. 
XXXX XXXX will not update the credit bureaus as they state they did not put it on the reports
I am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : [ XXXX XXXX ] [ XXXX ] [ Charge off/ Failure to Pay ] [ The information on this account is incorrect- I am in the process of trying to purchase a house and I had my credit ran- It has a note that my XXXX account was charged off in XX/XX/XXXX- yet I have been in a credit counseling service since XX/XX/XXXX. I noticed that I missed only one payment and that was in XX/XX/XXXX. I am now concerned that this debt is being paid monthly but is being reported to the credit bureaus as a FP ( Failed to Pay ) but you get paid every month as agreed with the credit counseling program. Please advise how this is a fail to pay, yet you receive the payment monthly? Attached are the statements from XXXX XXXX XXXX and a copy of my report from Experian . ]. 
My contact information is as follows : [ XXXX XXXX XXXX ] DOB : [ XX/XX/XXXX ] SSN : [ XXXX ] [ XXXX XXXX XXXX, XXXX XXXX XXXX, MS XXXX ] XXXX XXXX XXXX