WillisBack/dataset-financial-user-claim huggingface dataset:
I had the XXXX XXXX XXXX mastercard with Barclay bank. I have had this card opened since XXXX XXXX. Previous to that I had another card opened with them between XXXX XXXX and XXXX XXXX. So i have been a customer with them for over 18 months at this point. During this time I have never missed a payment. I always pay my credit card off IN FULL and EARLY every single month. During this time I have saved up over XXXX points. These points are worth XXXX cent per point towards travel, so that is almost {$1700.00}. I have been saving these up for a vacation. 

My XXXX statement closed and it was due on XXXX XXXX. On XXXX XXXX, i logged into my account and went to submit a payment for {$7900.00}. This covered all of my last statement and a little on the current balance. I have XXXX different accounts that I pay my card from, and i selected the wrong bank account. The next day i get an email claiming my payment has been returned. I log on and see i selected the wrong account. I called Barclay to explain the situation and they said they ca n't do anything about it and it will automatically try and take the money again 3 days later. So i go and move the money into that account. On XXXX XXXX the payment was resubmitted and was successful. 

On XXXX XXXX I applied for a different Credit card with them. I applied for the XXXX hotel card, because my wife and i always try and stay at that hotel. On XXXX XXXX Barclays decides to close my XXXX XXXX account, and the stated reasons are the returned payment, and too many inquiries on my credit report. ( Over the past couple months I have been looking into getting my house refinanced, and we purchased a car for my wife, so my credit report was hit a few times XXXX. 

I called Barclay and tried to get them to re open the account, because i really did like the card and all the benefits. They refused to open it. I asked about the miles i have been saving up for vacation, and they said those are forfeited. I spoke with a frontline representative when i called in on XXXX XXXX and they said that barclay has the right to cancel my card at any time, and that because my card is now closed the miles are forfeited. I escalated this to a manager and spoke with XXXX XXXX # XXXX  and then escalated again to XXXX XXXX XXXX. 

I feel like they just stole {$1700.00} from me. I have been saving those up for a special vacation to take my wife on. I did nothing wrong ( I still payed my credit card in full and early ). And they took my rewards away from me. I feel helpless. I do n't know how the are able to do that, and i do not think it is right for them to be able to do that. 

Please help.
After reviewing the new law which became effective XXXX XXXX, 2017 and public record data must include the name and address as well as a social security number or date of birth in order for it to appear in my credit file. The Credit Bureaus have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report immediately.
I paid the debt to the collection company and they keep hitting my XXXX cerdit with new accounts and say that that new account is not payed
Navient XXXX {$6400.00} Navient XXXX {$5100.00} Navient XXXX {$10000.00} Navient XXXX {$9700.00} Currently this is with an attorney. Navient never worked with me to adjust amount or consolidate my loans. I have other loans and they have all worked with me to make paying affordable, not Navient. They lied, called to collect at every hour day and/or night. These loans are old going back several years. I am just so frustrated that I had to hire an attorney to mediate, it's costing more then the original loan. 
Attorney : XXXX XXXX XXXX
Conn 's Home Plus calls beginning the XXXX hour ( XXXX, XXXX, XXXX ) and continue at varying times throughout the day including twice in one hour ( XXXX and XXXX ). This practice has always been theirs. 

The call from yesterday, XX/XX/2017, the gentleman I was speaking to I told representative that I needed to get off the phone because of increased traffic. However, he proceeded to need to verify my account information ( which had already been updated based on my online account profile ) and need to update phone numbers ( which have not changed ). He would not let me finish and get off the phone. It was upsetting.
The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to Navient. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.
I was recently, within the past couple years ... .Started on the " Loan rehabilitation '' program. Since XXXX 2015, I have been fighting Navient, over my defaulted loans ; which, they state, that they are out of default. Currently, this is n't the case. I have n't been able to, reinstate my student status, due to this issue. I have called, everyone ( This includes the federal loans servicers ), over this issue. So, it has finally come to this. Lodging a Serious complaint, about the way I have been treated, over this past 12 months. Thank you.
Upon reviewing my credit report I mailed a  XXXX  letter on  XXXX   XXXX ,    2017  by certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,    2017  i issued a fraud alert on my credit report so that this could not happen again. I have not heard back from   XXXX   and would like this account to be deleted from my report.
I CHECKED MY CREDIT REPORTS AND I HAVE LOTS OF MISSPELLED NAMES AND ADDRESSES SHOWING. I HAVE ATTACHED MY DRIVER LICENSE FOR PROOF OF THE SPELLING OF MY NAME AND ALSO A COPY OF MY REPORT SHOWING THE WRONG NAME SPELLING ALSO MY ADDRESS IS ON MY LICENSE THIS IS THE ONLY ADDRESS I HAVE LIVED.
My mortgage company verbally, and in writing, threatened foreclosure. It made me accelerate payments that I could not make and which have destroyed my finances in the short term. I am filing this complaint because my lender never offered me a loan modification. I am currently applying for a streamlined loan with XXXX. If my lender had advised me of this option, I would have applied for it instead of making the payments which have made me insolvent over the summer months. I am angry, upset and frustrated that I was verbally threatened with foreclosure instead of being offered this option.
On or about XX/XX/XXXX, it was brought to my attention that Santander Bank was reporting me delinquent on two different occasions toward the end of XX/XX/XXXX. It was dropping my credit score by about 50 points. I was not delinquent and they acknowledged this in a letter to me dated XX/XX/XXXX. Problem solved after many hours of phone calls. 

They are now doing it again. This time I am not so forgiving. This is inexcusable. I called them and sent them an email. When I called, I was told that they made another error. I was not late. As a matter fact, I havent been late on anything in years. Again my credit score dropped 50 points. The problem is still not fixed. Had I not applied for a student loan refi, I would never have known about this problem. Again more hours on the phone. I am considering litigation at this point. I feel that they should compensate me for time lost taking care of these issues. I am a XXXX and have my own XXXX XXXX. I charge XXXX per hour and have spent at least 10 hours on this problem. I am sure that you get many of these but these large companies need to take customer service more seriously. 
Thank You for your time.
I started a self lender acct in XX/XX/XXXX for credit improvement. I agreed to pay {$50.00} monthly for 12 months, any the end of the 12 months I would get my money back, in the meantime each month when payments are mad it is reported to all 3 credit bereaus as positive reporting. On XX/XX/XXXX I received an email stating my acct has been closed, and I was notified my credit score dropped 120 points. When I contacted self lender they stated they would need to look into it, as I did my research I realized once my checking acct was closed due to fraud the payment did not automatically go through for XXXX. Self Lender reported that I had not made a payment since XX/XX/XXXX to all 3 CRAs! This information is inaccurate, and is currently and drastically effected my credit score. I have contacted self lender 5x and it has been over a month, and yet they still have no answer, and I was told they are working on the issue with their banking partners. This needs to be fixed ASAP or I am seeking legal representation!
This company sent me a typed up bill from a computer with my name but a wrong address saying that they verified that I owe {$570.00}. I have a fraud alert placed on my credit reports. They failed to show me documents that I personally signed with correct dates authorizing these charges. They are reporting false information and damaging my life.
XXXX XXXX has called me multiple times a day for 3+ weeks  - they leave a voicemail that they are a debt collector and I need to call them back. They leave no details about my debt, nor have they provided a validation notice. I do not have, nor have I ever had debt that needs to be collected. I verified this on my credit report. 

I never answer and I never call back because I know that encourages scammers knowing that I am responsive. I do n't know how to stop the calls and they are causing me significant stress. 

Their number : XXXX
Upon Checking XXXX  I found that Santander reported payment of {$0.00} on months that a payment was indeed made. The month shows as paid but reflects a payment of {$0.00} which doesnt reflect the amount paid that month. The payment amount reflects later on the balance. The company santander forced me to sign an agreement in order to gain a lower finance interest rate on my vehicle. In this agreement there is a legal terminology of which I did not understand when I signed it. The agreement states I can not sure them for anything. I now am no longer able to speak to anyone as they state I can not due to a legal issue. I am exhausted from this deal. Please advise
THANK YOU FOR YOUR ASSISTANCE. I ALSO SENT THEM THE LETTER YOU RECEIVED. THERE IS ALOT TO THIS MATTER, MORE THAN IS EXPLAINED IN THE LETTER. THIS FREEDOM MORTGAGE COMPANY BOUGHT OUR LOAN FROM XXXX XXXX, BUT DID NOT NOTIFY US UNTIL 27 DAYS LATER. I DID NOT SEND THE XXXX PAYMENT TO ANYONE SINCE XXXX XXXX INFORMED ME XXXX XXXX THAT THEY SOLD OUR LOAN AND WE SHOULD HEAR FROM THE NEW MORTGAGE COMPANY WITHIN 15 DAYS, AND WE DID N'T GET NOTIFIED UNTIL XXXX XXXX. NOW FREEDOM MORTGAGE COMPLAIN THAT WE DID N'T SEND OUR XXXX PAYMENT AND THEY TOLD THE CREDIT REPORTING BUREAUS THAT WE ARE ONE MONTH LATE ON PAYING, WHICH HAS RUINED MY HUSBAND 'S XXXX CREDIT SCORE,  AND TWICE A WEEK WE GET MAIL THREATENING FORECLOSURE. THEY ALSO SENT A MAN HERE TO TAKE PICTURES OF THE HOUSE. ALSO THEY ARE ASSESSING LATE PAYMENT FEES AND OTHER FEES EVEN THOUGH MY BILLPAY PAYS ON THE XXXX OF  EVERY MONTH. I AM GOING TO START PUTTING THE MORTGAGE PAYMENT INTO AN ESCROW ACCOUNT UNTIL THEY STOP THEIR ILLEGAL PRACTICES.
My home loan is through Ocwen Mortgage ( it was not the originating lender, it was sold to them ). I have tried several times to make extra payments toward the principal on my loan with explicit instructions that the money be put ONLY towards principal. Each time it was " mistakenly '' treated as a payment and had interest removed. I had to fight with their people on the phone to have the payment properly credited -- which they finally did. But, now I 'm hating the thought of having to go through it again. I have researched their site looking for proper instructions in how to make extra payments towards the principal and ca n't find the proper instructions. I 'm extremely disappointed with this company and wish I had some control over who the loan was sold to. I pay more than my mortgage each month, on time, but I feel like this place is looking for ways to make me pay extra all the time!
I made a payment with my debit card for someone else 's Auto loan. The account manager, XXXX, billed an unauthorized charge to my card, saved the card to file when I told him not to, and continues to call and hang up after I told him not call my anymore. I recorded the conversations I have had with him and with his Manager XXXX XXXX XXXX.
The bank closed my account without any cause of notice. I called the banks customer service on XX/XX/2018 and I was told my credit card has been closed. The representative told me that the bank tried to contact me in XXXX to verify my information, but there was no response. I didnt receive any mail, email, call, text message or any form of communication from the bank. In fact, I have been trying to contact the bank for the past few months but I havent been able to get in contact with any representative, due to bad customer service and long wait time. I was lucky to enough to speak to a customer service representative about my credit card in XXXX, but the representative couldnt help.
Hello, I took out a student loan with XXXX in XX/XX/XXXX to take marketing courses at University XXXX. The courses were demeed to prepare one for a marketing manager role which was untrue. I digress, about 2 years ago XXXX XXXX sold my loan to Discover. Discover has never been able to show me my full repayment history. It 's not available on my online account. I have called customer service many times to find out how much I have paid etc. They will not provide me with anything. The history in my account only shows the payment for the last month and sporadic untrue payments ... like a few payments in XX/XX/XXXX. Also, I have moved abroad and I can only pay from a XXXX bank account. I have direct debit set up and yet every month I get emails from Discover saying that i need to log in to my account to make a payment. I just received XXXX now on XX/XX/XXXX and my account is up to date! No payment is due until XXXX XXXX! So despite not having been a XXXX citizen, I was able to take out student loans for an expensive and inappropriate course, and 14 years later I 'm still paying and ca n't get an accurate history of what I have paid.
I paid to put a freeze on my data for all four credit bureaus several years ago prior to the major security breach. The only one I have a problem with is Experian. I am trying to lift my freeze to apply for credit and they won't recognize me to do it online. I have all the data and the pin that they gave me originally. The website is telling me I have to send all my sensitive information, including my original social security card by mail to them at their XXXX Texas location! When I call the phone number puts me through a series of prompts and then disconnects me. Can you help?
An account with my name and social security number was opened under an address I havent lived at in five to six years. The account did not have my permission to be open and I never got a call or letter asking for approval. It was illegally opened under my name online and currently hurting my credit. I can prove that I didnt live at the residence they claim when the account was opened.Equifax has been sent all the information and has refused to take this off my credit report even though all other credit companys have.
Hello I have repeatedly asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. To provide proof under the Fair Debt Collections Practices Act ( FDCPA ) to provide proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding me to pay this debt. There has been no signature or any type of paperwork on what is owed. I have not got any response from the company besides a plain paper with amount owed. This is hurting my credit score and causing problems with my finances, I believe not showing proof is against the law from collection practices. Please stop reporting this account to the credit bureaus if you can not provide any proof to me.I have certified records of the letters that have been sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have not been shown for months any kind of proof this is my account. Thank you
XXXX XXXX from XXXX XXXX XXXX contacted me from XXXX stating I owe a loan and I need to contact by end of business day or I may be charged by my county for a case. I have been receiving harrassement phone calls to me and family members. I received a contract to sign via email from XXXXXXXXXXXX to make arrangements to pay XXXX installments to stop case from escalating. after I agreed I did further research to originally debtor to find out this loan from longtime ago has been in good standing and has not been forwarded to this collection agency in question. I feel I have been scammed and they got XXXX installment from me but no more. they are very convincing so I was afraid and got scared so they can leave me alone.
XXXX DEPARTMENT STORE CREDIT CARD, ACCOUNT NUMBER XXXX is appearing on my XXXX, XXXX and Equifax credit reports after paying XXXX dollars cash to my account in the XXXX XXXX, CA store to pay in full this account.I can not help it if XXXX employees are thieves and put this money in their pocket.There are cameras in the store and after a search of my records I can find the day I was there so XXXX can put their employee in jail and I can collect a court settlement for XXXX stealing my funds, destroying my credit and causing 3 bureaus to falsely verify this account.Do not delete this account at your own peril because I will have police detectives at your store if you do not remove this from my report now!
I made a hotel booking through vendor XXXX XXXX on XX/XX/2018 for booking in XXXX. This booking was fully cancelable for refund until XX/XX/2018. On or about XX/XX/XXXX I found out that XXXX was having issues with bookings - so I inquired and decided to cancel my booking. Upon canceling I was told by XXXX   that they couldn't give me a refund at this time. I notified CITIBANK on XX/XX/XXXX that I had a dispute with the vendor XXXX goods and serviced not received. They gave me a provisional chargeback and sent paperwork to be filled out. On XXXX XXXX the provisional chargeback now appeared on my account as a refund from vendor. I called the back as I had just received the paperwork and asked if the credit was a provisional credit or was it an actual refund from the vendor. I was told by a phone agent with CITIBANK that this was a refund from the vendor. I did not have to send in any paperwork. I asked 3 times - are you sure. YES. I also asked my personal banker - and they said it appears I have received a credit directly from XXXX. Early XXXX - my account goes negative and I am told that CITIBANK has denied my dispute and is taking back their provisional credit. I immediately call and explain what I was told. They said I now have to appeal their decision. I appeal and now receive a letter that i have been denied as TOO much time has passed since my XXXX XXXX purchase. If I am correct - according to chargeback rules - you have 120 days to make a claim. My original notification to the bank on XX/XX/XXXX was within the 120 days. It is the internal bank employees that have misinformed me. CITIBANK has records of my call where I was told it was a credit from the VENDOR. This is an {$790.00} charge where I was framed by the vender and then given bad information from my own bank to fight this. And somehow I have no protection? How is this even fair. They should be trying to collect the {$790.00} back from the vendor. Citibank has made thousands of dollars from me from my mortgage, personal banking account and business accounts and this is how they treat a customer.
In XXXX of 2010, I received a Discharge of my Ch. XXXX bankruptcy debts. During the time leading up to, during, and in the 7 years since the Discharge I have been consistently current on my payments to my mortgage lender, Bank of America and have rebuilt my credit score to XXXX. I applied to Bank of America to refinance my existing loan, ( NO debt consolidation nor cash out involved ). Two days before my lock-in/application were due to expire, I was advised that without a Reaffirmation Agreement, Bank of America would not proceed with processing my loan and that my application would expire in 48 hours. All other conditions apparently were satisfied. 
I had offered to complete and execute a Reaffirmation Agreement using the form I obtained from the U.S. Bankruptcy Court on-line. ( I understood that the Lender is required to send the Reaffirmation Agreement to the Borrower ; Bank of America has refused to do so. ) I also understand that a Reaffirmation Agreement is not an absolute requirement, and that many lenders make loans without one. 
The bank 's position on this matter defies logic. The refinanced loan would be " clean '', replacing the one that is in their " Bankruptcy Department 's '' books.. Why would a Reaffirmation Agreement be required for a loan which would only be outstanding for a few days?
I understand that must repay the loan ( s ). My issue is the monthly amount that I have to pay. I had to take XXXX loans from my 401k to finish paying for my degree as the amount of Federal Aid did not cover XXXX %. The problem is that I am not able to pay the full amount each month because the 401k loan automatically comes out of my check each week. I have been making payments towards my student loans even before they were officially due. In the future, I will be able to pay more towards my student loans once my 401k loan is paid back. I simply do not make enough money to pay the requested amount.
I try to contact XXXX, equifax, and XXXX, about several inquiries in my credit reports that i did not do. I did not authorized companies to run my credit, I been a victim of identity theft for the past months. Someone had been trying open accounts under my name without success, this past months. And CREDIT BUREAUS had remove some inquiries. But since a couple days the same think started to happen all over and XXXX and equifax are ignoring my situation.
Debt has been in default with no payments made since XX/XX/XXXX. Company called me in XX/XX/XXXX threating to file lawsuit. I reside in Texas and the statue is limited to XXXX years. This item has been so old it had been removed from my credit report. Debt collector called from XXXX ( XXXX XXXX XXXX IL, XXXX
Syndicated Office Systems has not removed this debt on my credit report which was paid through my settlement by my attorney. I want it removed from my credit report. It seems Syndicated Office Systems has a habit of doing this to individuals.