WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to purchase an XXXX at the XXXX Store in XXXX, Washington, DC using the XXXX   Loan payment plan. XXXX  declined the loan with the following statement to me : " UNABLE TO ACCESS CREDIT REPORT. CONTACT CREDIT BUREAU TO CONFIRM YOUR STATUS. '' Incredibly I just paid off a two year loan with the same company. They referred me to the credit company who blocked my account, and this company is Equifax. 

I called the Equifax number requested and spoke with three consecutive individuals, all of whom were asking questions about accounts that I do not have or ones on which I can not remember monthly balances. They were unable to unlock my account. I became very suspicious of all the questions because Equifax is a company that has had a substantial data breach and is not to be trusted. 

All of the people who I was told could help me by phone stated they could not remove a " Stop '' or " Freeze '' on which they have imposed on my account. All of my financials are in an excellent state and I can not understand why they are locking my account. I believe it may be because I refuse to pay them a monthly fee or a fee to get a credit report. 

I have not asked Equifax for anything and don't even know why they have my account information and can prevent me from getting a loan.
I have been asking FedLoan Servicing for a recount of my number of qualifying payments for the XXXX XXXX XXXX XXXX XXXX program since XXXX. I call or email about once every other month requesting the recount. I've kept a record of all of these phone calls for the last year. And, I've also kept sent receipts for all of the email I've sent on the subject. Every time I call or email, XXXX responds that they will do a recount. But it's been over two years now, and I'm concerned the information will become more difficult to track as time goes on. 

When I have talked with a manager at XXXX XXXX in XXXX of XXXX, he did agree that the number was definitely wrong, and we agreed on the correct number. But the change was never made to my account.
On XXXX XXXX, XXXX I received an email from Google Wallet informing me that my account had been closed due to violation of the terms of agreement. Google Wallet said my account was not listed as Individual despite my account page listing me as an Individual. There was a form to submit my banking information to return any balance. I did not want to blindly submit my banking information, as Google Wallet already had this information, so I went onto the Google Wallet app and attempted to withdraw the remaining balance of {$7100.00}. This transfer failed so I called the Google Wallet Support number I found online. I had used their app to request a call several times, but each attempt was redirected elsewhere. The Support representative told me my transfer was denied because I had requested such a large amount and had never taken money out before. This was untrue as I had withdrawn money from this app several times and have the screenshots to prove it. She told me she needed to speak to someone in Accounts and would put me on hold briefly. I asked her why my account had been closed since I was not in violation as they claimed. She was unable to give me an answer. She told me that she could do no more and that someone from Accounts would email me in 24 hours. I asked to speak to someone in Accounts and she said that I was not allowed. I waited the 24 hours until XXXX XXXX, XXXX and no email came. I sent an email to Support again asking why no one had contacted me regarding my account. Again I did not receive an email. XXXX XXXX, XXXX I attempted a chat with a representative named XXXX XXXX ( I have screenshots of our entire conversation ) I again asked why my account had been closed and why I could not be refunded the money in my account. The representative again said that they needed to speak with the specialists. Again I was told that my account was closed and could not be activated except by the Accounts team. The representative told me that I would absolutely get an email in 24 hours. I told them that I had seen many complaints from other Google Wallet users that had their accounts abruptly closed and did not get their money back for months, after a long struggle with Google Wallet. At that point I was very concerned because I can not access money that belongs to me and I have bills, etc. The Support chat representative assured me that they would be looking into it right away. Today is XXXX XXXX, XXXX. It has been over 24 hours since the chat and I still have no reply from Google. This is a large sum of money and I do not have any  reply from them as to why they closed my account or why I can not be refunded my money. I am hoping that involving the CFPB in this situation will help me to get my money back and warn other users that this company does not act in good faith. I have attached some screenshots from the chat and the original email from Google Wallet regarding my account being closed. I have more screenshots of the chat and account information if needed.
As a former employee of XXXX, I participated in an employee stock purchase program managed through UBS. After leaving XXXX I continued to hold my XXXX shares with UBS and managed dividend stock purchases and disbursements through their website. I held a " paperless '' account with UBS for 11 years, receiving statements and notifications via email. Today I logged into my UBS account to execute a sale/disbursement but was not able to make the transaction and was instructed to contact UBS. I called UBS and was told that my XXXX account had been transferred to a " wealth management '' account but I could not transact shares through that account. In order to complete my stock sale, I had to pay a {$75.00} annual fee for the wealth management account I was never notified of and a {$70.00} fee to sell the stock! My complaint is UBS making this account change without prior notice. Had UBS notified me prior to these changes, I could have liquidated my account and paid no {$75.00} annual fee and no {$70.00} transaction fee. This is robbery on the part of UBS.
Experian is the only credit reporting agency that has not complied with creditor 's request to remove a derogatory account from my report due to fraud. I have made multiple attempts between XX/XX/XXXX and XX/XX/XXXX to have the " XXXX XXXX '' account deleted. I filed another dispute on XX/XX/XXXX, that included a copy of the letter ( attached ) from XXXX XXXX XXXX ( dated XX/XX/XXXX ). Update received from Experian on XX/XX/XXXX still shows the delinquent account on my credit report. 
This account was closed in XX/XX/XXXX but accessed and charges were made without my knowledge and became delinquent in XX/XX/XXXX. I became aware of the account on my report in XXXX of XXXX.
on XX/XX/18 I called XXXX XXXX, XXXX XXXX, and capital one. I have late payments and after being on the phone with them for about an hour each. we came to an agreement, that if I sign up for certain payment plans they would right then remove the late payments from my account as a one time forgiveness. XXXX said I will be put on a 3 month payment plan for XXXX each month and it will be current and reopened once completed. XXXX XXXX said they would close my account might be reopened but I would have to do an automatic XXXX  dollar a month payment, and capital one I was able to bring up to current making them happy and promising the removal of the late payments. they would remove the late payments so when I checked in XX/XX/XXXX they would be gone. looks like XXXX completely closed my accounts which I will be ok if I can reopen them at a later date, but the bank did not remove the late payment status although I am making all payments. XXXX XXXX did close the account but I am still seeing those late payments. capital one did not close account but still has not removed the late payments. reason I am filing this is that it has damaged my credit score very much, and I was a young adult making mistakes being stupid for I was heart broken pretty much making those dumb mistakes everyone makes, and not understanding the seriousness of the situation. The main reason which I did bring to their attention was I was out of employment from XX/XX/XXXX to XX/XX/XXXX and during those times I was making payments and they have records of it I was just not making the minimum payment and I called them then before but they said nothing I could do, but gave me a different answer when I called in XX/XX/XXXX. as of right now I am 3 for 3 on my XXXX  payments. before the unemployment I had been making every payment on time and making extra payments. I am now in the position where I can do that again but need the hard remarks removed for im buying a car, and an apartment soon.
I had an account with XXXX activated om XXXX/XXXX/XXXX and discontinued my service on XXXX/XXXX/XXXX due to bad coverage while driving over the road as a delivery driver. 
I received a final bill from them on XXXX/XXXX/XXXX for the amount of {$550.00} owed. My spouse made 12 payments toward this amount, XXXX checks and XXXX XXXX 's from our joint account totaling {$590.00} directly to XXXX. However, XXXX had sent account to a collection agency after 1st two payments had been received from us bringing our total to {$400.00} ERC then tacked on a collection fee of {$100.00} bringing total to {$500.00}, XXXX received another payment from us and forwarded it to ERC and ERC shows that {$50.00} payment deducted from the account bringing ending balance to {$450.00}. XX/XX/XXXX we made a payment of {$220.00} to ERC in order to get a VA loan for a home and needed to do this to get loan approved. ERC has failed to credit this account for the payment received and new balance should now be {$220.00} ( Please refer to Case Number XXXX response dated XXXX/XXXX/XXXX ). If XXXX reimburses me the amount of $ XXXXoverpaid to them and not credited to payment of this debt. I am willing to make this final payment of {$220.00} to ERC to finalize this account and stop collection on a debt that clearly has been paid to XXXX in full plus another {$48.00} extra. 
I would like to know why XXXX has taken the payments from us and not credited our account like a decent company should be doing? I also would like to know why ERC is also taking money received towards payment of a debt and not crediting that towards a persons account? This makes both companies look bad and may reflect a bad influence towards present and/or future clients.
I have been receiving a minimum of 4 phone calls a day from Care Credit due to a late payment. The company calls every day of the week, and the phone calls start anywhere from XXXX to XXXX. The phone calls started out as once per day leaving an automated message on my voicemail, and once I answered and spoke with someone explaining I work third shift and to stop calling me. After speaking to someone and requesting the calls to stop, the company began calling 4 or more times a day. No messages are being left, and if I do answer, they hang up. I 've resorted to installing an application on my phone so the calls go directly to voicemail instead of waking me up every two hours when they call
I am on the phone with XXXX. After providing them with the correct information and other important information about myself on unsecured phone lines XXXX  refuses to correct my report as it should have been to start with. This is a problem as anyone can use this to destroy my credit. They must be limited to your name SSN, DOB and current correct phone number and email address on file to protect Citizens. XXXX must send a code to allow Citizens to see their Credit Report and Score in real time once we have this information. XXXX  also refuses to provide me with my correct and current Credit Report and Credit Score. XXXX has put me on hold for more then 10 minutes and just returned to the line. XXXX still insist 's that I pay them a fee of {$7.00} to send me my current Personal Credit Report with the Score. Through contact with my Bank, XXXX XXXX and XXXX I discovered that XXXX  lowered my Credit Score 85 points from XXXX to XXXX and then again the next day another 3 points to XXXX. It is still going down and is incorrect. My Bankruptcy is older then 10 years and it is still being reported and used against me. There is no Mortgage information being reported even though I have two mortgages. A CALVET loan not reported to XXXX and VA loan now being reported by XXXX XXXX. It appears that there is a law that Credit Reporting Agencies are allowed to lower Credit Scores by as much as 100 points during the time a Mortgage has been transferred to another lender. This adversely effects Citizens and causes serious financial harm to the Citizen. It must be stopped in the interest of Justice!
Something calling itself Comenity Bank calls at least half a dozen times a day. We believe that this relates to my wife accepting a  XXXX  credit card sometime back. She paid her balance and cancelled that card. Now this Comenity Bank is alleging that other vendors ' cards have been used to charge purchases ; however, neither my wife nor I have accepted specific vendors ' cards. We hold generic  Visa, Master Card, and American Express c ards.
Hello - I opened a new Citi bank account. The account has a promotional offer attached. I believe I satisfied the terms of the promotional offer, but Citi does not wish to honor the promotional offer. 

In direct correspondence to me from Citi XX/XX/2016 Citi says : XXXX " The terms and conditions of Promotion XXXX are as follows : 1. Open a new Regular Checking account in the Citigold or the Citibank account package by XX/XX/2016. 
2. Within 30 days after account opening, make a minimum deposit of {$15000.00} or more into your new Checking or new or existing Savings Plus account. 
3. A minimum balance of {$15000.00} is required to be maintained in the Checking account or existing Citibank Savings Plus Account for 30 days from the date of deposit is made. '' I have satisfied these terms and conditions but Citi will not honor the promotional offer as they claim that I am a current signatory on a joint Citi banking account with my wife, and that this negates my eligibility for the promotional offer. 

I believe that Citi mislead me in correspondence Citi XX/XX/2016 Citi says : XXXX as they state clearly the terms and conditions to be approved for the offer and I meet these terms. 

I shall attach this correspondence from Citi with this complaint. 

Thank you, XXXX
Allied auto loan continue to harass me by calling several times wanting payment payment is due the XXXX of each month made payment on XXXX 2016 which was still under the 10 day grace period of not being late they continue calling and wo n't stop. I did answer their phone calls 2 times and ask why are they still calling me. They gave me reference number XXXX and said they would stop, but they continue. The second call I answered I was not given a reference number he only gave me his employee # XXXX and name XXXX. I have been receiving a total of XXXX calls as of today hope you can help me. I am a XXXX patient and receiving these calls have made me go this far because I ca n't take it any longer.
I WAS CHARGED ON MY BANK OF AMERICA CARD FOR SOMETHING I DID NOT AUTHORIZE CARD # XXXX FROM A COMPANY CALLED XXXX  XXXX FOR {$4100.00} ON XX/XX/10 WHEN I SAW IT ON MY STATEMENT I CALLED THEM AND LET THEM KNOW I HAVE NO IDEA WHO THIS SAID COMPANY IS AND I NEVER AUTHORIZED THIS TRANSACTION AND NEVER DID BUSINESS WITH THIS COMPANY. THEY TOLD ME THEY FILED A FRAUD COMPLAINT AND I WOULD GET THE CREDIT ON MY NEW CARD. WELL THAT NEVER HAPPEN. IM SO UPSET THAT THEY DONT BACK THERE CLIENTS AGAINST FRAUD. THIS IS SENIOR CITIZEN ABUSE. ITS NOT RIGHT. PLEASE HELP ME GET MY MONEY BACK
In my review of my credit report CAPIO PARTNERS LLC is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.
This is a copy of the email I sent to CitiBank, concerning their deceptive policy regarding autopay which advertises that the will pay off the balance on the due due date, but they keep advancing the due date in the hopes that the consumer will build up such a big balance that they will be unable to pay it off without incumbering debt. 

I am convinced that autopay does not exist with this card. Today is XXXX XXXX. The balance is approx. {$8500.00}. But the scheduled payment has been delayed till XX/XX/XXXX. This is a deceptive practice designed to create a large balance on the consumer 's bill. I paid the {$8500.00} myself to XXXX out the bill. Clearly Citi Bank will not use the autopay feature as requested. And their explanation of the feature makes no sense at all. I will complain about this deceptive practice to the California State Attorney General. 
Bottom Line -- they do not let consumer 's XXXX out their bill on a monthly basis using Autopay. It is the only card I 'm aware of that uses this debt encouraging practice. Very XXXX. 
XXXX XXXX XXXX
On XX/XX/2018 I received a text message sent by my bank institution ( Chase ). The text message was an alert as there was a possibility of fraudulent activity. Shortly after this text message, I received a call from Chase.I canceled my debit card as there was fraud activity taken place. A total of {$1700.00} was taken from my business account, in 23 different transactions. My card was used in the cities of XXXX XXXX, XXXX XXXX, and XXXX XXXX California. However I live in a different city,3-4 hours away, and was working when this occurred. Only I have access to my business account and I only have one debit card liked my account. 


On XX/XX/2018 Chase refunded the amount of {$1700.00}, but only temporary. Later that month on XX/XX/2018 the money was removed from my account. Chase stated that after " further investigating since the transactions were done using a pin number '' the money could not be reimbursed. I was told by a Chase representative that I needed proof of where I was the day the fraud took place, so I asked my clients for letters as proof. After submitting these letters Chase still refuses to refund my money.
A creditor from 9 years ago levied my bank account so I tried to set up an account with Experian.com, view any other outstanding debts on my credit report and make sure all old debts were paid. I had trouble doing so and Experian told me I already had a paid credit report account with them, which I was unaware of. When I finally got to see my credit history I was dismayed to see @ $ XXXX in unpaid debt but further disturbed that someone had been paying to see my debt for two months. Someone was paying @ $ XXXX/month and had used my name, ss # and DOB, an email I have never seen, a fake phone number and fake security questions to obtain ( 4 ) bi-monthly credit reports on me. I contacted Experian.com and they reconciled the account so I could see the fake information which included the last four digits of the credit card on file which was being used to pay for the account. Experian told me they could not release the name associated with the card. I filed an FTC ID Theft Report and tried to file a police report but was informed since no money had been stolen there was no crime. Experian.com amended the fake account so that I could see information about the unauthorized creation of the account but they could not provide me the name on the credit card of the individual who created the account, only the last four digits of the card and expiration date. Credit report information on me was illegally provided from Experian.com to an unknown individual on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, 2017. The information in my credit report was visible to the thief and a link mailed to an email address. I did not open or authorize this account, and I requested information regarding the individual who did open the account verbally from Experian.com on XXXX XXXX, 2017 and sent written request of such information on XXXX XXXX, 2017.
A couple months ago I received a phone call from a gentleman claiming to be from Wells Fargo. I was told that money had been deposited to my account by accident and needed to be sent back via money transfer. To verify I checked my account balance, it showed more money than what was originally in the account. Therefore, I made the money transfers ( one on XX/XX/XXXX for the amount of {$1900.00}, and one XX/XX/XXXX for the amount of {$1900.00} ) as told by the Wells Fargo representative. When I noticed by accounts were over drawn I contacted Wells Fargo. Wells Fargo determined that deposited monies were fraudulent in the form of fake sequential checks. It wasn't until after I had sent the money, that the bank rejected the fake checks, leaving my account overdrawn nearly {$3000.00}.
Portfolio Recovery from phone number XXXX continue to call my personal cell and my work phone. They are trying to collect a debt that was paid SEVENTEEN YEARS AGO. I ask them to stop calling and they become belligerent, hostile and tell me that they will not stop calling until I request they stop in writing. I have not given them my personal cell or work number and have no idea what illegal methods they used to obtain my numbers. They can not collect a paid debt from 17 years ago. They continue to call me a liar and claim I owe the debt and attempt to brow beat me into paying a debt I do not owe. XXXX from Portfolio Recovery just called my work phone at XXXX XXXX on XXXX/XXXX/2017.
XXXX Acc # XXXX I have been disputing this account for over a year and i have ask for verification of this account they send me nothing back not a contract nothing from that specific bank always come back as verified and nothing else my last letter Ive ask for a fair investigation about the account or else i was going to file a complaint i got the same response account verified they dont tell me how its verified or send me nothing back a contract something with my signature on it
There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to XXXX, Transunion and XXXX   and they still said that I was verified, but it wrong because I the open dates also the card limit
i became aware when I checked my credit report that these debt collector under the name, AD ASTRA Recovery Services Incorporated that I owed this debt is incorrect and I do not owe {$310.00}, I have sent a notice of state and federal validation of debt.