WillisBack/dataset-financial-user-claim huggingface dataset:
I called Equifax 's automated credit freeze telephone service to request a credit freeze on XXXX/17 after hearing about the company 's massive data breach and verifying that my account may have been affected on their website. Their phone service crashed several times while processing my request and I had to repeat the process over and over again without success. Finally, I visited their website to try doing it online, and I saw a notice that a credit freeze had already been activated. I think one of the requests I made by phone had gone through without informing me. However, I never received a PIN for unfreezing my credit. I called their customer service phone number twice but hung up each time after being on hold for more than half an hour. Finally, I called a third time, waited again, and then when someone finally answered I asked the person what was going on with my credit freeze. They said I could call the automated credit freeze number to find out more during business hours. This was useless because it was the same automated number I had called initially that had issues processing my requests. It 's been a few weeks and I have no clue what is happening with the credit freeze on my account or what the PIN is to unfreeze it. This whole situation with the data breach is ridiculous.
I signed up for the XXXX / Barclays Card by filling out a form on a flight. 
I have had several issues with the account : 1 ) Name was spelled incorrectly on card / account, this took several months to correct 2 ) An Annual fee of {$89.00} was charged on my incorrectly spelled account which had not been activated - I had no means to pay / access this without corrections to my account 3 ) I never received the XXXX award miles that were promised as a part of the promotion 4 ) Incorrect credit report lead to me not being able to be part of our home loan : '- Barclays reported my late payment to the Credit Bureau XXXX They corrected this once I I disputed in light of XXXX XXXX and XXXX XXXX above. 
- I needed a letter from Barclay 's as proof that they had withdrawn the credit complaint. I had to call them XXXX15 times to get the letter. By the time they sent it, it was too late. 
I cancelled my card just this morning, to avoid any future interactions. This has been an absolute nightmare - with a {$100.00} dollar charge leading to me not being able to get on a home loan.
XXXX XXXX marked my XXXX XXXX XXXX card as " lost or stolen '' even though I did n't report it as lost or stolen, while I was overseas. I never got any notification from my online account or from my email of this happening. I found out because a number of merchants could n't charge anything to the card, and I called XXXX XXXX on XX/XX/XXXX while I was in XXXX, XXXX to find out what was going on. The XXXX representative said that the card has been marked as lost/stolen. I asked them to reverse the notation but was told it ca n't be done as a security measure. When I asked to get the card replaced, as I needed it in XXXX, they made a huge fuss about it - that they could n't replace the Platinum because my card was new, even though this whole mess was squarely XXXX XXXX 's fault that they marked the card as lost/stolen in the first place. After insisting that I need the card and that the card must be replaced ASAP for several hours, they finally agreed to " make an exception '' and send the card to me within a week to XXXX, XXXX where I would be at the time ( the time that it would take for the international shippers to deliver the package with the card ). I was supposed to get an email within 4-5 days, but I never got it, which was n't a surprise as XXXX XXXX had n't sent me any useful emails, such as when my card was invalidated. In any case, the Platinum, which was supposed to arrive by XX/XX/XXXX in XXXX as promised by XXXX XXXX, never arrived. I tried calling XXXX XXXX from my international location, but due to telephone issues on the XXXX XXXX, I could n't talk to anyone. I 've spent a total of 20 hours trying to resolve this issue, and going through hardships on my trip because of XXXX XXXX 's repeated mistakes and excuses. To add insult to the injury, I 've been charged the annual fee after only having a working card for 4 days. On my return from XXXX, I checked my mail to see if XXXX sent the card accidentally to my home address. However, I 've received no replacement card even at my card 's listed address. 

Additionally, I have lost a month 's worth of charges to the new card to receive the sign on bonus ( which is to receive XXXX XXXX XXXX after spending {$3000.00} in 3 months ). I ended up having to spend approximately {$2100.00} from XX/XX/XXXX until XX/XX/XXXX I would have nearly reached the minimum bonus spending requirement in this first month on this overseas trip. Hence, XXXX not only inconvenienced me immensely on my trip but also deprived me to meet the minimum spending requirements. 

XXXX XXXX invalidating my card without me reporting it as such is a security issue, and them claiming that they sent my card, never actually replacing the card anywhere, and also charging the annual fee when I have n't had a working card due to their mistake is fraud.
I contacted Transunion and informed them that they were improperly reporting student loans that do not belong to me from XXXX/XXXX on my credit report on XX/XX/XXXX, via U.S. Certified mail. I was notified from the U.S. postal service that Transunion received my letter requesting to remove the incorrect accounts from XXXX/XXXX on XX/XX/XXXX. I requested to have these accounts deleted from my credit history as well as having Transunion send me an updated version of my credit report reflecting correct deletion of any accounts associated with XXXX. Transunion never responded to my request to have the accounts removed from my credit report. 
I contacted Transunion via telephone on XX/XX/XXXX, and attained a recorded phone conversation with a representative of Transunion, XXXX XXXX, who confirmed that Transunion does not have documentation from XXXX/USDEPTED with my signature for any student loans and that Transunion is still refusing to comply with F.C.R.A. regulations by reporting false information on my credit report and refusing to remove it from my file.
In XXXX, Equifax was reporting an account I have accurately paid as agreed, closed and a zero balance. In XXXX, Equifax started reporting the same account as open, and currently past due for {$3400.00}. Last updated was XXXX XXXX XXXX after several disputes. I contacted the creditor and they verified that the information is not reporting correctly on my Equifax Credit report but informed me to file a dispute again and again to fix the issue. I feel that Equifax is not even contacting the creditor.
This company calls about XXXX to three times per day and refuses to say anything ; it appears that someone is listening on the phone but I would hang up. Today on this day of XXXX XXXX, 2016 at about XXXX, they called and refused to say anything and after a few seconds they hung up. However, this time I called the number XXXX and they identified themselves as being Jefferson Capital Systems , LLC.
Hello i am having a problem with my mortgage company Penny Mac. I originally called Penny Mac with the intentions of looking for a pool loan instead I was talked into doing a refi with their company. Penny Mac told me my mortgage would be cheaper by about {$150.00} per month making my new payment {$1900.00}. As you could assume that was great for myself and my family. But, this amount did not last long bc I just received a letter in the mail saying my escrow account is in deficit by over {$8000.00} and rising! When I called Penny Mac their excuse was that they did a estimate for property taxes of around {$2000.00} but the taxes where over {$6000.00}. When I first spoke to them my deficit was in the {$7600.00} range and now just a few weeks later it 's more than {$8000.00}. They said the only thing they could do is up my mortgage to {$2500.00} over a duration of 4 yrs but yet my escrow deficit is still climbing. So now we were dropped by our flood insurance bc there was not money in our escrow account, and picked up by lender assigned flood insurance at a more expensive rate. Also when I called about this they added GAP insurance without my knowledge that day after speaking with them which added an extra {$600.00} or more to deficit. Please help Penny Mac has done nothing but take my Financial security away from me.
Ok so my dad was renting my house ( XXXX XXXX XXXX XXXX MO XXXX ) from XX/XX/XXXX-XX/XX/XXXX .. His name is XXXX XXXX my name is XXXX XXXX XXXX . My other home I have lived in are XXXX.. And XXXX MO .. I have NEVER lived at that XXXX XXXX that is my dad who lived there ... And that is HIS work history on my report I have never worked at XXXX nor XXXX .. Which takes me to the XXXX XXXX that is on my report that is NOT mine that is my dads .. And also the XXXX that is also not mine I have not had XXXX before
I 'm not able to pay back my loans right now. But I have been out on the forgiveness list. The thing is that navilent took out 15 loans in my name. Now I owe XXXX dollars in loans. How can I get this resolved. Thank you in advance.
Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

Office of Attorney General 1339  unverified/inaccurate account
Some how my address was changed to an unknown address and is now reported to my credit report. Company could not tell me who or how my info was changed. I have absolutely no connection with the address. 

Loancare.com. They recently bought my mortgage from XXXX XXXX added that I have no connection with is .... 
XXXX XXXX XXXX unit XXXX XXXX XXXX XXXX mi XXXX
ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX and XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I had a first mortgage and Seterus, Inc. was the servicing agent. My home was sold XXXX/XXXX/15 & the mortgage was paid off. Seterus overchanged me on the payoff statement for interest to XXXX/XXXX/15 in the amount of {$880.00} & flood insurance premium of {$490.00} that was not due until XXXX 2015. I was also due all the money in escrow for 2015 since not XXXX cent had been paid out for insurance and taxes in 2015. The escrow account should have had {$2300.00} in it. The total amount due to us is {$2800.00}. I received a check from them dated XXXX/XXXX/15 in the amount of {$880.00} XXXX overpayment of interest on closing statement ). I wrote them a detailed letter showing that they owed me and on XXXX/XXXX/15 they prepared an Escrow Account Statement XXXX this statement does not include XXXX and XXXX 2015, ) and it shows a XXXX balance. It notes that {$880.00} was deducted at a " Misc. Escrow ''. Then I received another check dated XXXX/XXXX/15 in the amount of {$490.00} XXXX overpayment on closing statement for Flood Insurance. I am still owed escrow payments for taxes and insurance from XXXX thro XXXX 2015 in the amount of {$2300.00}. Correspondence from Seterus says if you have any questions call them. I have called them many times only to be placed on hold for XXXX minutes and then told that they could not help me and my only way to resolve this was to write to them. These tactics appear to be designed to frustrate customers and are unfair and deceptive business practices. I want my escrow money that I am lawfully entitled to in the amount of {$2300.00}.
I have tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with Exeter. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.
Blackhawk Network has seized XXXX my accounts worth {$1500.00} Blackhawk Network Holdings XXXX Inc. XXXX BHN XXXX, doing business as T-Mobile XXXX XXXX and PayPower Visa XXXX, has seized XXXX my accounts with {$1500.00} between the XXXX : T-Mobile : XXXX XXXX XXXX ) Paypower : ******************* ( XXXX ) These accounts were funded entirely by me and were seized without cause, contact, or reason, immediately AFTER I loaded the funds to the account. In other words, BHN PURPOSELY WAITED FOR ME TO FUND THE ACCOUNTS BEFORE SEIZURE. 

This company is a borderline criminal organization and should be investigated by the appropriate authorities.
I have a mortgage with Wells Fargo. I refinanced with them and they misled me about how much the closing costs were going to be and they took money from the original escrow account and no one can explain to me where that money went. They also never calculated in the new escrow into the closing costs to make it seem the closing costs were not as much as it seemed.
I was contacted by phone by a company ( which I initially believed to be Capital One calling ) claiming to lower the interest rate on my Capital One card. During the process I was asked to agree to a fee which they explained would take the place of my existing interest charges on the account, however when they were unable to negotiate with Capital One and I realized they were not actually my credit card service I requested to cancel my transaction. The man on the phone became very hostile and threatened me with collections on the amount k had agreed to pay before. I asked to speak to a manager and demanded that everything be cancelled because I was no longer interested. I was then told that the previous man I had been speaking too would process my request to cancel and during this process he asked questions that I was uncomfortable answering and when I asked why he needed it he said it was so he could complete the cancelation request. I was then told that I was denied a cancellation but had been approved for a card through XXXX at 0 % interest. I became enraged and told them I did not want a XXXX XXXX and had not been told earlier in the interaction that they would be applying me for another credit card. I was told again that I had no choice and could not cancel the transaction. They then called XXXX and instructed me to tell them I wanted a balance transfer. At this point, believing I had no choice and would be charged anyways I did what they asked and ended the transaction. I did not provide them with my bank routing number as they requested and they said they would call back. Immediately upon ending the phone call I contacted XXXX and told them what happened and they transferred me to the Fraud department who assisted me in cancelling the card and balance transfer. Over the next few days I was called consistantly by a blocked number but did not answer the calls. I then received a message on XXXX that on Friday my bank account would be charged approx {$800.00} for their services and was given a phone number to call the manager back. I called back and spoke to the manager who told me that I had no choice but to pay even though I had cancelled the cards and received no benefit. When I told him that I had tried cancelling at the time because I had not been told previously about having to get a XXXX XXXX and did n't want to continue if that was the process. He basically told me it was n't their fault I did n't understand the process and I had no choice because I had made a verbal contract. He said then that my mandatory payment would be sent to a collection agency and would negatively impact my credit score. I have placed fraud alerts on my accounts but do not want to be negatively affected. I believe I was misled into agreeing to pay for a service when they did not dislose the entire process to me initially. I had even been told verbatum that my credit card number would not chance which I why I did not expect a different credit card account to be created. In addition to this I learned after that legitimate companies will not contact you regarding interest reductions like this and I was involved in a scam.
I noticed the balance on my account was less than I expected and inspected my statement online to learn that XXXX fraudulent charges occurred on my account. The charges were dated XX/XX/2016 and I reported this to my Debit card provider on XX/XX/2016. A few months later I was notified that the claim was closed due to me not sending back documentation about the claim that they mailed me. I never received what they sail was mailed. I contacted them again to re-open the claim and I sent the documentation they were missing to complete processing my claim. I received a denial because they are saying the documentation was received outside of the 60 day window to report a claim. The claim was initially reported 5 days after the fraud occurred! This was also a well know and highly publicized breech that occurred with XXXX in New York! I feel like they are giving me the run around to keep my money which is child support for my children. Please make them give me a refund immediately. 
Thank you for any assistance you may be able to provide.
My car got repossessed On XX/XX/XXXX and I've bin having issues with the company wellsfargo auto for almost a month an a half and even though I was behind when I got the total amount to get the car back I notice it was un accurate I asked for a transaction history and was able to notice a couple mistakes and I asked them to fix them and they only keep telling me that they have looked over it and they don't see any mistakes and that they keep adding to the quote they have given me to get the car back but I can clearly see in the copy of my transaction history that they are able to put and remove transactions and I think they just closed my case since they are unable to do anything to benefit me for how many times they look into it instead of fixing it like I've asked till today XX/XX/XXXX unless they are still looking for my two missing items and also I don't know what else to say when they keep telling me the same thing even though the information they have given to my credit bureau states about the same amount i've bin telling them and I've bin trying to get someone else to help me out with this but even a banker  agrees with me and have tried to talk to them won't do.
I have had my bank of america credit card ending in XXXX for year and have never been late. Bank of america sent me a letter on XXXX/XXXX/2015 that they are closing my personal account due to an issue with my business account. This has hurt me tremendously as my credit score has suffered due to this matter.
Lender ( care credit ) makes it hard to pay my monthly payment ( no internet payment even though they say you can the system locks you out, also the automated phone system will not allow you to make payment it will just hang upon you, then they will change min due to higher amount and when you make a smaller payment on time the lender will still charge a late fee and raise the finance fee ... 
Care credit also only gives you a small window to pay. 
You ca n't pay before XX/XX/XXXX for the next month payment and you will only have up until XX/XX/XXXX or you will be hit late fees and a higher finance fee, and claim a delinquent payments on your credit record.