WillisBack/dataset-financial-user-claim huggingface dataset:
I did n't no what option to select from above in regards to my complaint. My issue is with my XXXX XXXX charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from XXXX XXXX last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. XXXX XXXX did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the XXXX credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to XXXX XXXX explaining again the whole situation and how this happened.
I am writing because Equifax mishandled my personal information including my Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017. They confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
Equifax has put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They did not notify me of this breach. I heard about it on the news and then found out how to discover if I was an affected party by a post on social media.
Futhermore, Equifax is attempting to profit off of their negligence by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. When the trial periods end ( and the data that was breached is still vulnerable ), Equifax will charge money to " protect '' the information of the same people whose data they irresponsibly left vulnerable to attack.
These injured parties are also subject to hidden terms of service that waive their right to sue the company if they do avail themselves of the " trial period. '' There is also evidence of criminal negligence/fraudulent behavior with the three Equifax executives that dumped stock immediately prior to the data breach announcement.
1. Been trying to get a history of all my payments, charges and any penalties since the start of my mortgage in 2003. Ocwen is showing I owe {$87000.00} on my loan. According to my calculations and the original amortization schedule I am showing I owe {$68000.00}. But they will only provide me 2 years of my past payments statements and none going back to my original start date in XXXX 2003. I have been asking for this for over a year and can not get my records. I have emailed them, wrote letters, and called Ocwen and nothing. I also called XXXX at ( XXXX ) XXXX and address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX who I believe is the trustee for the investors of the loan and they said they would contact Ocwen and still nothing. 2. ) I have been trying for over a year to get a modification through Ocwen and they just keep coming back with more repeat information needed and I keep on resubmitting it and nothing to this date.
I received a bank statement in the mail for an account I have n't used in over 3 years. I did not apply for any payday loan. had no idea that bank account was still open. 

How could they have done that? I did not agree to anything did not sin anything. I want that money reversed and given back! 

It was an ACH from Radiant Cash on XXXX/XXXX/16 for {$500.00}. 

Please help with this.
I have consistently provided clear claims for each of my disputes against the unfair credit reporting practices of Equifax, XXXX. I have filed all necessary complaints to dispute the purported XXXX delinquent account. Each bureau has reported back that " XXXX has verified that the account belongs to me. '' That is not the nature of my dispute, and is legally insufficient to justify leaving that inaccurate record on my credit report. The FCRA and FCBA state clearly that whether an account belongs to the intended person or not, if the account information is wrong then it must be deleted. That is the issue at hand. I have submitted a demand for reinvestigation in full accordance with the FCRA and requested the immediate placement of a consumer statement XXXX less than XXXX words XXXX on my credit report with specific regard to this purported accurate account reported by XXXX XXXX. I am submitting this complaint because Equifax, XXXX have all failed in acknowledging and properly processing my demand for reinvestigation. So I 'm submitting it again and I 've cited the specific federal statute that allows for my consumer statement and reinvestigation into the purported delinquent account reported by XXXX.
" I esculated the call to the executive office to hear from their representative XXXX XXXX that Wells Fargo is in their right to call anytime after the first of the month as I am technically in default ( delinquent ). This is the first time I have ever been harassed with a collection call on a payment due within the grace period. 

XXXX seemed not to care if I contacted the regulators such as the OCC since the OCC would side with Wells Fargo. Nor was any care about reputational risk from bad media event for harassing a good paying mortgage customer. 

I am asking that this practice of calling customers to collect debt during the grace period stop. ''
Most recently I have been disputing these accounts with Experian around XXXX early XXXX. Verification of debt was requested via letter and sent certified on XX/XX/XXXX and received by all Experian on XX/XX/XXXX. Experian has failed to provide sufficient information used to verify debt but has responded that it has been verified or updated. 

Please see list of accounts below. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ;
I think it's a scam call. She claim calling from citi bank which owns my citi card. However, she claims she needs my debit card or check number, or checking account number. The credit card should have the my debit checking account number. It's ridiculous The number is calling from XXXX and she said her name is XXXX from XXXX
I received a notice from Seterus regarding my monthly payment and I paid the amount that Seterus told me I owed, then my interest rate on my harp loan was increased, which increased my monthly payment when I became aware of the situation I contacted Seterus and was told that one of my payments went towards paying fees, I was also assured that Seterus had discovered the mistake and it was going to be taken care of and the payment I made would be put towards my monthly payment, I also made an additional payment to take care of the increase in my interest rate, a couple of weeks ago I discovered that Seterus did n't put my payment towards my mortgage but kept them as fees which left me a month behind, so I contacted Seterus and was told that I had to fax my request because the initial request could n't be processed in house, so I faxed my request as instructed and just received a letter from Seterus which looks like a veiled threat to repossess, I also do n't know how much fees were added to my account because of the confusion by representatives of Seterus, at no point was I ever contacted by Seterus or was giving an opportunity to rectify the situation when I first contacted Seterus, in fact, I have been assured repeatedly by representatives of Seterus that the problem was their fault and could be rectified without any issues
Credit reporting agencies of Equifax, XXXX and XXXX are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.
I opened a Citigold account back in XXXX 2016 with a promotional offer of XXXX XXXX if I meet certain requirements. I met all requirements in XXXX 2016 and emailed Citi to confirm my eligibility and that I have met all requirements. A Citi representative replied to confirm everything and said I would receive XXXX XXXX in XXXX 2016. In early XXXX 2016, I called Citi again to ask where the miles were. They opened an investigation to verify my eligibility and promised to have an answer in 5 business days. I made XXXX additional calls to Citi after that in XXXX 2016 to follow up since I still have n't received the miles or a decision from Citi. I was told that they were still researching the issue and would let me know soon. During this time, I 've been charged XXXX monthly service fee already. I got so tired of this and I did n't know why they still needed to verify something that was already confirmed by them in the past. I do n't know much longer it would take, so I 'd much appreciate your assistance regarding this matter.
I have been mailing and faxing information to the credit bureaus to no avail. There are collection accounts that are appearing on my bill that are not my accounts. There were also false addresses in addition to false inquiries on my credit report. I spoke with representatives from all three bureaus. I followed all of the instructions that were given to me by all 3 bureaus. Which included filing a police report, contacting the creditors, and faxing all of the information to XXXX and Equifax and mailing to XXXX. I did exactly what was told and still the collection accounts, false addresses, and inquiries remain on my accounts. At this point Im extremely upset and do not know exactly what to do.
I have disputed the late payments on XXXX XXXX XXXX account for months. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im trying to get this job promotion which would come with a salary raise.
In XX/XX/2017 my credit was ran 4 times without my approval for a car loan within a 45day period.My credit was ran In one, I did not approve of it nor did I know that my credit was being ran that many times.This has lower my credit a lot!
Capital one bank kept increased my credit card limit to temptated me overspent, now i couldn't afford to pay even the minimum due, and they keep charging late fee while they said they will pur me on a program that won't charge me late fee. I can't afford to pay them, so scary, they want to kill me. Help.
I purchased furniture in XXXX, paid it off in XXXX. Somehow the original creditor sold my debt to another company and now they are coming after me. I called and explained what was going on. I called the original lender and they sent me proof that the debt was paid off. Now the collection company has this debt on my credit report.
I have been trying to access my account online but all I get is a notice that capital one is preventing me from having access to my online account.
I have a loan with Bank of the West and I am frustrated because I was just informed that I would not be receiving regular statements, which was not disclosed at the time I took the loan 3 months ago. In addition, when I go to view the payments that were made online sometimes the payments show and sometimes they do n't, it 's very arbitrary. So downloading my activity is useless. Is there some remedy so that I have a way to make sure my payments are posted accurately and timely? I feel like I am in prison with a bank that is less than transparent and I do n't care for it and I am wondering if this is allowed from a regulatory perspective.
In XX/XX/XXXX, USAA FEDERAL SAVINGS BANK accepted {$5100.00} on my home equity loan account, as SETTLEMENT IN FULL, and released its lien on the property located at XXXX, XXXX CA. The Final HUD SETTLEMENT STATEMENT indicates a CLOSE DATE of XX/XX/XXXX, and a disbursement date of XX/XX/XXXX, which reflects the disbursement of said funds. 

Now, just over 5 years later, I received an undated electronic document from USAA Federal Savings Bank ( which posted in my USAA membership account on XX/XX/XXXX ). 
The letter states that I owe USAA {$26.00}, XXXX on said account, that said account is past due, and that said amount is due by XX/XX/XXXX. 

Said settlement in full was part of a short sale on said property in the State of CA. 

Now, just over 5 years later, I opened an undated electronic document from USAA, which shows it as electronically posted in my USAA membership account, in the USAA DOCUMENTS SECTION, on XX/XX/XXXX. The letter states that I owe USAA {$26.00}, XXXX, as past due amount, due and payable by XX/XX/XXXX. 

Said settlement in full was part of a short sale on said property in the State of CA.
I 've complained about this account with XXXX XXXX numerous times with TransUnion. XXXX XXXX told me it was due to a bad check written to the original company ( the XXXX. I explained to them that my business was Incorporated I was not liable my business was of which I 've sent proof of that. Well since the do n't believe me, then I 'll go another way with this.the account is still showing as an open account, and it went over the XXXX year statue of limitations. It was a bad check that only has a statue of limitation of XXXX years. And does n't belong on my credit report.the other XXXX agencies saw the facts and removed this XXXX XXXX XXXX from my records. XXXX XXXX XXXX XXXX XXXX
Chase bank apparently conducted hard pulls on my credit 6 days apart last year and wont remove them. I don't understand why one place would need to hit me twice in one week, often it takes a month or two for my credit score to update changes. It is hurting my credit score, and I have never had any delinquent marks or accounts or payments.
I was a victim of identity theft and was made aware by XXXX XXXX banks incompetence. They caused me to lose thousands of dollars by not accepting my disputes but i then became aware of my identity being stolen charges made on credit cards and accounts open. I contacted the FTC and was reassured that the evidence was more than sufficient and I should have my credit back to normal by 2019 but have not heard anything and Ive had to resubmit disputes. XXXX  is being responsive but slow and I have to file new reports one at a time. Equifax and XXXX  have been unresponsive please help.
Without my consent, Paypal attempted to sign me up for a credit card. I did not authorize the attempt which added an inquiry to my credit report.
This balance of {$180.00} was supposed to have been paid for by a claim that I filed with workmans comp as to which it was not. Lastly, I never received a noticed in regards to this debt but just to clear I just paid the balance of {$180.00} on XXXX/XXXX/16. I am asking you to please remove this collection from credit so that I do not have any negative remarks because I take handling my credit very seriously. 
Thank you!
I first became aware of the debt when applying for a apartment and as it 's reporting on my credit report affecting my ability to get a home
I refinanced my home loan and wanted to make my first payment today and I was told over the phone they would add {$11.00} to my invoice to make the payment via telephone. They also said the XXXX payment ca n't be made via their online website. None of this information appears on the hardcopy mortgage statement I received in the mail. I 'm more than willing to pay the amount that appears on my mortgage statement, nothing more, nothing less. I 'd like to make my {$2100.00} payment via telephone prior to the scheduled due date of XXXX/XXXX/16.
In XXXX of XXXX, I made a settlement offer with XXXX for three payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need XXXX XXXX to finalize my credit report to show XXXX balance, settled.
On XX/XX/XXXX I logged into my online account for my credit card with USAA. 

I clicked on a promotional offer for 0 % interest on a balance transfer. The offer was ending on that day, XX/XX/XXXX. 

I followed the steps and completed the balance transfer. 

The balance transfer went through but I did not receive the promotional rate. When I called USAA, I was told that the money did not post to the USAA account until a few days later thus missing the deadline. 

USAA does have the disclaimer that the deadline for money posting is XX/XX/XXXX but as an electronic offer, I feel that it was misleading to even still have the offer live on my account on XX/XX/XXXX if it was already going to automatically miss the deadline. If anything, when I clicked on it they could have easily given me a message to inform me that the transfer could take more than one day and would thus miss the offer. I received no notification of this and feel that I was duped into taking an offer that was really already null and void. USAA should have disabled the link earlier to reflect the true deadline for this offer. They could have also informed me in some other fashion that although my balance transfer was conducted through that link, it actually did not qualify for the promotional rate.
XXXX was until just recently my mortgage loan servicer and I was having servicing issues with them as they were not treating me fairly with my requests for mortgage assistance. Not only were they not providing me with retention options, but now they have sent my loan to another servicer : Shellpoint Mortgage. I can only assume they did this to get rid of a problem loan. My family had some financial challenges when I suffered a reduction in hours at my job. We hung on the best we could to keep up with our mortgage payments, but ultimately fell behind. They provided me a modification to keep us in our home, but it was not affordable. Subsequently, I fell behind on my mortgage again while struggling to keep up with all of my financial obligations. We have rectified our financial situation and I am making more money than ever. Also, my job is now very secure and is providing me with plenty of overtime that will continue for years to come. However, when I tried to convey this to XXXX, they just insisted that there is nothing they can do. I see that the US Government fined XXXX XXXX XXXX for the way they serviced requests for assistance by homeowners, yet they still continue performing the same way as they did before. I believe the US Government also gave XXXX a consent order detailing exactly how they must treat requests for assistance, but I believe they have failed on my loan. XXXX was not being fair regarding my request for assistance. 

I am hoping Shellpoint Mortgage doesn't treat us the same way, and my family could really use some assistance to save our home. We are now in foreclosure and are afraid that we will lose our home. Please help us fix this.
XXXX XXXX XXXX violated the Fair Credit Reporting Act. XXXX XXXX XXXX furnished derogatory information to XXXX, XXXX and XXXX. They are required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishing of negative information was going to take place. This is required under the FCRA, section 623, subsection ( 7A ). XXXX XXXX XXXX did not comply to this statue.
Some how around 2011 my mortgage was bought by SETERUS INC and during that time I had filed a Chapter XXXX and since then I have completed it almost a year ago! I have asked for payment statements and I have not received one to  this day and yet I still send in my payment. I have asked why there is no record of my payments being made on my credit records and I have not received an honest answer 4 different answers from 4 different people! I also dont understand where almost {$50000.00} has been attached to my loan.
This complaint is about XXXX ( parent company : Coinbase ). 
On Sunday XX/XX/XXXX, I made a deposit via Coinbase to my XXXX account. Deposit reference : XXXX. The deposit was successfully completed on XX/XX/XXXX at XXXX XXXX. My XXXX/Coinbase account details are : Email : XXXX Name : XXXX XXXX XXXX : XXXX Everything was working fine until XX/XX/XXXX when I tried to login to my XXXX account, I was presented with this message : " Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX '' I couldn't login to my XXXX account. By that time I had exactly {$1500.00} stored in my XXXX  funds/account. So I emailed XXXX support on XX/XX/XXXX at XXXX PST. I received generic response from the company saying my problem will be looked at. I waited for a week or so and called XXXX via phone on XX/XX/XXXX, I was told that my ticket will be escalated so it can be resolved. After waiting for a week or so, I called again because nothing was happening to my case. Now, today, it is XX/XX/XXXX, it's been more than a month now since I have been waiting to get my funds ( {$1500.00} ) back from XXXX and I haven't received my money, and I still can not login to my XXXX account. Whenever I call the company, they give me a generic response with no timeframe. I would like my funds back as I really need them. I hope after this complaint, my issue will be resolved. Thank you.
AFNI is reporting a debt that has already been disputed off of my credit report and has been found to not be mines by all 3 credit bureaus after they investigated this back in 2016. This debt is illegally reporting on my reports again and was never validated as being mines and there is no contract or signature tying me to this account. It looks as if they purchased this alleged debt from a prior debt collector
I had a failed transaction at a Chase bank ATM where I was charged for a withdrawal the machine did not dispense or provide a receipt for. 

On XX/XX/2018 at approximately XXXX I attempted to withdraw {$100.00} cash at a Chase bank ATM at XXXX XXXX XXXX XXXX in XXXX XXXX , though I do not have an account with them. 

The transaction went normally until the machine failed to dispense the cash when it indicated it would. The cash dispenser did not open and the receipt was not printed out. The people in line behind me at the time declined to use this ATM because they saw this happen. 

When the bank employee opened for the day at XXXX I spoke to him about my problem with the ATM and he told me the machine seemed normal. He also said there was nothing he could do to refund, and that it was me and my bank 's problem to be resolved between us. He would not have the machine inspected or the security footage checked which would show the malfunction. 

I called my bank ( XXXX ) the same day to report this malfunction and it was confirmed that it was indeed logged as a successful transaction which would debit my account. The incident is still to be discussed with them pending weekday business hours this Monday.