WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I revived a call from Southern Finance ( XXXX XXXX   ) in XXXX, TN, stating that my lawyer spoke with them stating that Im not fully retained with my bankruptcy and they will continue to do phone calls as they see fit. They first called my place of employment, which is totally uncalled for. Secondly, they tried to get me to come in for an office visit, and thirdly, the manager there was EXTREMELY rude, balatant, and trying to threaten me into paying. Im currently in the process of paying my lawyer fees for the chapter XXXX bankruptcy, but they absolutely refuse to take no for an answer! My lawyer has stated to me to not pay them, to pay him instead. Which is what Ive been doing. The least they can do is cooperate with my wishes and stop using tactics to scare me into paying a debt that is not legally secured. Secondly, they need to stop harrassing me with phone calls and visits after Ive repeatedly told them to stop, because legally, if I tell them not to call me, theyre not supposed to. I just want this resolved and for anyone trying to better your situations, to be aware that these people are predators and will do anything to get your money and meet their quotas!
I did not receive the XXXX XXXX protection promised from Equifax. In XX/XX/XXXX, my husband and I found out were impacted by the Equifax cyber security incident, through the site Equifax provided. Both of us applied for the free XXXX XXXX XXXX service. Yesterday, XX/XX/XXXX, I found out I never had the service. 
On XX/XX/XXXX, I received an email indicating Equifax/XXXX were working on my activation and they were sorry for the delay. My husband received the same email. Yesterday, XX/XX/XXXX, when I tried to log in to extend my service, I could not access the site. My husband was able to access the site. That afternoon, I called the number on the email and was asked a ton of verification from XXXX. After providing all the information requested, XXXX said my enrollment wasnt completed because more information was needed, so she provided another number to call. 
That evening, I call the number provided and waited on hold for over 45 minutes. While I was waiting, I called the first number to make sure I had the correct number. The representative tried to tell me about another service that didnt provide the same features I should have received. I asked to speak to a manager and was put on hold. About 50 minutes into the other call, XXXX, the representative answered. After providing all my verification information to her, she said the system wasnt allowing her to do anything. I asked for a supervisor and she asked if she could put me on hold for 2-3 minutes. Needless to say another 11 minutes went by before she came back and said XXXX, the supervisor would call me tomorrow. I asked for XXXX name and she said she didnt know. I asked who I could contact since no one from Equifax didnt contact me since the email on XX/XX/XXXX. She provided the Equifax site email. I asked if I could wait on hold for a supervisor. She put me on hold for another 5 minutes and XXXX came on the line. XXXX said he was a supervisor and couldnt give his last name. He said he understood my situation that I was not happy with the service. I corrected him and told him I didnt have the service, that was my issue. He said someone would call back. I found another number on the Equifax site and was taken in circle yet again. 

The bottom line, I never received the service and Equifax isnt doing anything to make sure I receive the level of service I should have been provided. I see why there was a cyber-security breach. Equifax was supposed to be watching, but wasnt.
XXXX XXXX VISA CREDIT CARD FROM CHASE, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY CHASE CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM CHASE TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/2018, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY CHASE. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED CHASE ABOUT XX/XX/208 AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND CHASE OF THE CFPB CONSENT ORDERS AGREED TO BY CHASE, FILE NO XXXX- CFPB- XXXX AND FILE NO XXXX- CFPB- XXXX
With the previous assistance of the CFPB, Navient agreed to allow me to enter into a repayment plan at a lower interest rate with lower monthly payments due to economic hardship. My economic hardships resulted from being unemployed and no offers on the table at that time. The repayment plan was that I was to pay {$340.00} per for the next year at 1 %. If at any time I did not make a payment on time Navient had the option to remove me from the payment plan. The payments were to be automatically deducted on the XXXX of each month. The first payment was due XXXX, 2015 and the funds were taken out XXXX XXXX, 2015. The second payment was due XXXX XXXX and the funds were taken out on XXXX XXXX, 2015. The XXXX pay, likewise, were due on the XXXX but this time they were not automatically deducted from my account on XXXX XXXX, 2015. When I contacted Navient I was told that I had defaulted on my account and that I no longer had a payment agreement with them. 
At first I thought it might have been a error on my credit union 's account because the funds were in my checking account and available for withdrawal. I explained to the representative that it had to be a banking error because the funds were there. He stated to me that that did not matter and that my repayment plan was now void since Navient had not been paid on time regardless of whose fault it was ; since it was a new month and I had not notified them by the last day in XXXX. He also stated that I maybe be able to get into a new repayment plan but it would be more than my original plan. I notified my financial institution of what had happened because of the error with my account. It was then that it was brought to my attention that Navient had not attempted to withdraw any funds from my account on XXXX XXXX, 2015 per our agreement. After checking my account statement I checked my Navient account. Under the correspondence there are two documents stating that I am delinquent on my loans. The are dated before the XXXX loan installment was due. I did receive a message stating that if I do n't enter into a different payment plan or pay the past due amount this month my account would be placed into bankruptcy.
A pretend-trustee named XXXX XXXX XXXX registered in many states, based in XXXX XXXX California, is foreclosing illegally on my home. They have never produced any evidence that they have authority to foreclose, and have not even filed an appearance in my current Alaska Bankruptcy Case # XXXX, and have not even filed a Proof of Claim.

This purported trustee is not representing any named trust and is not an actual trustee of any IRS registered trust that holds my mortgage, and has not produced any evidence to this effect.

No assignment of the mortgage on my home to XXXX XXXX XXXX was ever recorded or claimed, or even pleaded by XXXX XXXX XXXX to this day.
This is a duplicate complaint that I filed for XXXX. 
This complaint is for all XXXX credit bureaus. Back on XX/XX/2016, I submitted paperwork to all 3 credit bureaus informing them that there were 2 accounts on my credit reports that were reported incorrectly. There were 2 accounts with XXXX that were showing as being actively disputed. I notified them in writing that I was not disputing the accounts and that I was requesting they remove the disputed status from the reports. I have yet to receive any investigation results. 

Because I did n't receive any results and it had been nearly 2 months after my requests were mailed off, I decided to call the bureaus individually and speak to them all about the accounts. I called XXXX and Equifax both on XX/XX/XXXX trough the numbers XXXX for XXXX and XXXX for Equifax. Equifax gave me another number to call at XXXX. Ultimately, both bureaus stated that the accounts that were in dispute status would have their dispute codes removed within 3 days. The calls took a very long time so I was tired and decided to wait to call XXXX until I regained the mental fortitude to continue with XXXX I then waited to call XXXX on XX/XX/XXXX to have them also remove the dispute codes from the XXXX accounts. They gave me another number to call which was XXXX and gave me a file number which I ca n't list since you have asked that I not include it in this section. They ultimately told me the same thing at the end of the conversation. Those dispute codes would be removed within days. I wait until today to monitor my credit reports and behold, the dispute codes still are n't removed .... 

Now, almost 3 months after my initial request to get these disputed status remarks removed from my credit report, They still have n't been removed. At this point I am getting fed up with all 3 bureaus. I am attempting to purchase a home and I have more than a sufficient credit score to qualify as well as income but I am being denied because these 2 accounts are under a disputed status. It is my understanding that the credit bureaus only get 30 days from an initial investigation request to correct and update the credit profile as well as to send me written notice of the corrections. They have not done so and it has been almost 90. 

Besides the fact that they did n't acknowledge, adhere, or respond to my requests, they also have n't corrected the issue when I contacted them by phone ... .. At this point I feel like I am being held hostage. I ca n't buy a home because the credit bureaus wo n't remove the disputed status from my credit report even though I have asked them twice now to remove the dispute codes from my report since I am not disputing any accounts. Prices of homes keep going up and interest rates are increasing. The credit bureaus are literally costing me money!!! 

I need you to look into this matter for me as I have already done what I am supposed to do in this matter. I have contacted the credit bureaus in writing as well as by phone. If this does n't get resolved soon then I will be forced to contact a lawyer. I ca n't sit here and watch house after house go by because the bureaus wo n't do the job they are supposed to.
On  XXXX / XXXX / 17  TransUnion debited my  XXXX  credit card account for {$19.00}. The unauthorized charge was noticed today when paying my credit card bill. I immediately called Transunion regarding the charge. They indicated when I accepted an offer for {$1.00} to see m y credit score that t hey automatically enrolled me to have such information on an ongoing basis for {$19.00} a month. I advised them I did not authorize this, but was told they would not refund my money. I next called  XXXX . They were well aware of the practice but would not accept a dispute of the charge. ( Of course, they are a big user of TransUnion data, so I would n't expect them to bite a hand which feeds them so much personal consumer financial data. )  XXXX  asked if I had provided my credit card information to TransUnion to initiate the charge. I did not do so, but, of course, TransUnion would have that information in their massive financial data files on consumers..
In XXXX 2014 I used Chase internet bill pay and processed my home payment. In XXXX they contacted me and said the payment never went through. They apologized and removed the late charge. They said they were having maintenance or the system was down and took my payment over the phone. They never told me they would be reporting to the credit agencies I was late. I was late but it was not my error. I have requested several times for this to be corrected and they have refused. I recently was declined credit due to this specifically being on my credit reports. I have called, write letters, etc., but they are unwilling to correct their mistake. They acknowledge that by key strokes they can see that I attempted several times to log on between the XXXX of the month of XXXX and then not again until they contacted me on XXXX XXXX. This clearly is because I thought the payment went through. I have a long tenure with Chase and do not deserve to be treated in this manner. I pay my bills through internet bill pay every month and have never had a problem with the payment being processed. I simply ask them to correct this as a systemic error.
We are struggling with a moving company that has several XXXX names who stole all of our belongings and ransomed them back to us after making us sign many documents under threat that they would send our things to auction. We paid an initial portion via a Citi credit card and then the moving company XXXX ) failed to deliver our things on time, XXXX ) failed to deliver all of our belongings, XXXX ) delivered a substantial number of items which were broken beyond use. We called the credit card company to inform them of the fraud and of our dissatisfaction with the goods and services provided by XXXX XXXX XXXX, XXXX in NJ and the representative of Citi Bank told me that they would do an investigation and that they would file things as " over payment '' to ensure that we would have a positive experience. This was our XXXX time contesting any charges and we have followed the advice of the bank 's representatives along the way, but now they are saying that we are fully responsible for the fraudulent charges despite the moving company not performing the job as promised. Now we are getting XXXX on XXXX sides of this.
My credit score dropped 78 points on XXXX due to a XXXX XXXX account ( from XXXX ) becoming 90 days delinquent. XXXX XXXX has never been late and there were never no reporting of it being 30/60 days late, it jump straight to 90. After reaching out to XXXX XXXX come to find out there student loans were sold to XXXX, whom could n't locate my account in their system either. 
I reached out to US Dept of Education and there were only one XXXX XXXX account showing paid in the amount of {$1300.00} in XXXX. 
After reviewing the verbiage on all 3 credit account, I notice XXXX XXXX appeared on my XXXX report. I reached out to ACS who is no longer is ACS but is now Conduent Education.

They inform me my accounts were 90 days late. I asked why I have n't received anything in the mail or at least a phone call. Why it never reported 30 days late and went straight to 90 days, I could 've addressed it sooner. Why my students loans been sold so many time and I was n't made aware of who to contact to make payments.
Car lot took XXXX of my vehicles in on trade towards XXXX I was purchasing. We had discussed using Credit Acceptance to finance the balance but on the day of delivery, I paid off the balance in cash instead of financing. The car lot never listed my trade in on the contract but did list the cash down payment while still putting the loan into processing to receive that money as well. Now I am being billed for money that I did n't use or borrow. I am attaching a copy of the title that was released to me showing no security interests which would n't have been the case had I financed any money on this BMW.
On XX/XX/XXXX I received a notice from Mr. Cooper,  who had taken over my mortgage loan # XXXX from Nationstar that I owed an escrow balance of {$2500.00}. Upon calling, ( and being switched to numerous agents ), I was told that this was due to homeowners insurance escrow. I have never paid my homeowners through my mortgage. I was told they had 30 days to research this. I just received a letter, datedXX/XX/XXXX, stating " as per my refinance on XX/XX/XXXX with XXXX, the insurance is automatically added when a refinance is done. That may have been but it was quickly removed. When Nationstar took over the mortgage, they added it and once I called, they removed it. Now I have spoken to numerous agents who misdirected my call, gave me a wrong # XXXX and hung up on me. 
I tried again today and spoke with, XXXX, XXXX, XXXX and finally supervisor, XXXX # XXXX XXXX, who informed me that before they can remove the homeowners, which was not there when they took over, I have to pay them what they are saying is in arrears. I have spoken with XXXX at my homeowners insurance co. and they are currently paid in full until XX/XX/XXXX. This is a travesty. Does the consumer no longer have any rights in the banking world. Why should I need to come up with over {$2000.00} for a mistake that they made? Is it the law that banks can buy your mortgage and revert back to an error and the consumer has to pay for it? Please help me.
I paid this medical account in full with the original creditor ( XXXX XXXX University XXXX XXXX XXXX ) and I was assured that the collections entry were going to be removed completely from all credit bureaus. The collection agency is refusing to remove the entry after a full payment was made to the original creditor and the collection agency is reporting the account as a paid collection instead of removing the account as I was told and agreed to. The main purpose to remove the account from my credit report is to lessen the impact on my credit score and be clear of any collections. I was assured that after making a " full payment '' the account was going to be completely removed and now that they received my money are refusing to remove the account from my credit report and instead just updated the account to reflect as a paid collection, this is a violation of our agreement.
My house loan conditions, under the loan modification agreement with GMAC Mortgage in XX/XX/XXXX, are such that the payments would increase by 1 % each year until XX/XX/XXXX, at which point the interest rate would be fixed at 5.05 %. When the payment amount needed to be increased, I was notified. On XX/XX/XXXX, I was notified by GMAC Mortgage that the interest rate would go up to 2 % ; and the payment amount would increase. The loan was first under GMAC Mortgage, and then it was transferred under Ocwen Loan Servicing , LLC on XX/XX/XXXX. 


After the transfer in XX/XX/XXXX, I was notified by Ocwen on XX/XX/XXXX that the interest rate would go up with an increased payment amount. After a few months, Ocwen stopped sending me the statements with the payment amount : this was done without my agreement. In other words, they stopped sending me any form of billing statements ( neither paper nor online ). 


In XX/XX/XXXX, Ocwen did not send a notification of the new payment amount under the new interest rate ; as a result, I continued to make the payments under the old amount. Later, I received a letter which showed that I did not pay the full amount for the recent months and that I accumulated a debt. When I called Ocwen for an explanation, I was informed that they could not send me billing statements or notify me of the increased payment amount because I was still under bankruptcy. 
This does not make sense since in XX/XX/XXXX, even under bankruptcy, I was notified when the payment amount needed to be increased. Ocwen is now demanding that I pay the full debt amount acquired during these months and did not accept my last payment. As a result, Ocwen is threatening foreclosure if I am unable to pay the full amount all at once. It seems to me that Ocwen is doing the best that they can to get a hold of the property.
Numerous times I have submitted a request to have information blocked from my credit report as a result of identity theft. I have included the police report, identity theft affidavit and all other requested information. The credit bureau still refuses to block the information. I do n't know where to go now.
Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over a month, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
I 'm issuing a complaint to equifax credit bureau I need them to take off all of the hard inquiries from XXXX XXXX 2016 I did not give the auto loan place permission to run my credit report to a bunch of different banks I need equifax to take off the hard inquiry 's from XXXX XXXX 2016
I am currently paying between 7.5 % and 6.25 % interest on my loans. My home is at 3.25 % and I have an asset, what is the asset I received from college? I understand they need to make money, but they were given money at 0 % from the FED and charge me 7 % for something that is helping society if I get a job and pay taxes. This is an issue that must be dealt with.
I'be submitted a complaint about how deceptive this bank is now charging me overdraft fees for transactions that do not match my transaction history, now all they can tell me is that they ca n't do anything about it. I am sick of this bank, and sick of filing complaints and playing phone tag with its representatives. I just got off the phone with XXXX a customer service associate and as per usual I was told the same thing I have always been told ; " There 's nothing I can do ''. When I asked for her name, she refused, so I asked for a manager and spoke to XXXX, and I asked for her associates name XXXX. I ask XXXX NOT to waste my time by trying to prove me wrong, I asked her NOT to be disrespectful and speak over me, and she did both. I am opening an account under my mattress, I 'm SICK OF DEALING WITH A DECEPTIVE BANK!!!!!!!!!! 

I just want my {$70.00} fees waived asap.
I was shocked when I reviewed my credit report and found the late payment on the dates below : 30 days late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.