WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX XXXX  who uses instant pay. There is a payroll card called Uber visa debit card partnered with XXXX. I am trying to open a new account and receive a new Uber visa debit card. But I am having trouble doing so. I tried contacting both parties but I am getting no help. XX/XX/XXXX I contacted XXXX XXXX because I wanted to reset my email and password, since it hadnt used the account since XX/XX/XXXX, I requested over the phone how to change email, and passwords. They gave me instructions to reset the information, but I found that my email address registered to the account was incorrect and I was instructed if I dont have access I would need to close the account and set up a new one. I had only .2 cents on that debit card since XX/XX/XXXX so I wasnt under my impression that anyone else wouldve or have been using the card. Because its been in my wallet since. But getting back to he subject. 

They told me since I had a balance on the card so there was nothing that they could do and since I was unable to reset passwords or the email because the information was forgotten and incorrect. 

XXXX XXXX suggested I close all accounts under my social security number XXXX. 

I closed the accounts that day, XX/XX/XXXX but I still had my debit card on hand so I could still be able to try, an access the website or try to reach a live operator but Unfortunately with the accounts being closed it made communication much more difficult and I was unable to resolve the problem. 

I was unable to verify my identity, through the closed account or my social, my birthdate or even my debit card number so ultimately resulting to no communication in a nutshell. 

Theyve blocked access from me troubleshooting the problem. And This is where the problem lies. Since I am a XXXX XXXX  my payroll is through the Uber visa debit card,  and I am not able to receive my instant pay benefits. 

I need to make sure that the account closed and it is processed and finished so I can reopen one and receive my pay, Uber cant do anything since theyre only supplying the card. 

XXXX XXXX needs to pick up the pace. 
I closed the account to open new account because my login information was incorrect and forgotten. And since I was instructed to close the account and go online and open a new one I followed that and no solution whatsoever. I was also told that I wouldnt have trouble setting up a new account, but Im unable to do that either since Ive tried and I get error codes saying I already have an account registered under my social which is the closed account. 

My question is why are the making it so difficult to contact them, troubleshoot the problem and set up the new account, whats the hold up, if I only closed and account to open a new one can someone explain whats so difficult about doing that?
Equifax breach of information. I was notified I may have been exposed, however I can not get a solid answer from anyone regarding the issue.
Filing this complaint because EQUIFAX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you,
I was a victim of identify the ft in 2010, and shortly after I went through an exacting amount of time attempting to correct and fix this  mess. Experian, more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private counsel,  XXXX  separate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my EXPERIAN report.  XXXX  is being reported  XXXX  times and with a balance of  XXXX
I have a personal loan with Discover Bank of principal balance of XXXX. Also I have a Discover credit card always in good standing without any late payment. 

On XX/XX/2018 was supposed to be the first due date of the personal loan ( Discover ). By personal problems ; the first payment was paid on XX/XX/2018. The next payment was on XX/XX/2018 ( due date is number 3 with grace period of more five days ) so the repayment is current and on track at the present. Also prior to XX/XX/XXXX ; the late fee of XXXX was paid ( XXXX dollars ). 

Discover Bank with out any prior notification, any call and in violation of the personal loan contract ; suspended or freeze my credit available of my discover credir card. Approximately 6,700 of XXXX ( total ) is my credit available. So I always maintained in good standing my credir card. 

Discover violated its contract, cancel my credit available with out any prior notification and using the credit card as a collateral and suspended without two missed payments.

Additionally the last statement of the personal loan reflects different principal balance in compare with the credit report at this moment. The principal balance in the credit report is not correct infuse by Discover and its mayor than real principal balance reflects in the hard copy loan statement. So it is malicious information in the credit report.
I contact the Equifax credit reporting agency to inform them that 1 ) the  information reported by XXXX XXXX XXXX aka XXXX is intentionally isleading and false. I to ; d them Ive traveled back to TN to address and resolve the issue, Ive notified their property management company XXXX XXXX executives all issues I addressed in my complaints and filed with the courts, and the fact I won a judgement and it is final, against the XXXX XXXX XXXX dba  XXXX XXXX XXXX. I requested that bothEquifax and the XXXX XXXX XXXX  ( by way of XXXX XXXX XXXX XXXX ) remove this negative file from my credit report. Now, Im filing this complaint against Equifax, since they are refusing to remove this from my credit report. I provided Equifax the certified judge, ent, the action filed ( that I won ), and all supporting evidence.
I think it is a collection agency that is calling for a medical bill. When I answer they either just hang up or ask me for the last XXXX digits of my Social Security number which I will not give. They will then ask for my birth date which I will not give either. They will not tell me who they are or what company they are from. They are calling both my home number and cell XXXX times daily. That is XXXX times a day. They start at XXXX. They call from several different numbers. They all begin with XXXX XXXX.
I have disputed this account several times and provided information related to the identity theft and fraud. This account is not mine has never been mine and is a result of identity theft.
Over the past 18 months or so, I made XXXX balance transfers onto XXXX credit card. The interest rate on each transfer was 0 % until XXXX different expiry dates : XX/XX/XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. XXXX This is the order in which they appear on the interest charge calculation page of my bill. ) I paid the minimum amount due every month until XXXX. Every month, that amount was subtracted from the balance with the 0 % expiry date XX/XX/XXXX. In XXXX, I paid an amount equal to the balance left on the balance transfer with the 0 % expiry date XX/XX/XXXX. Rather than subtracting that amount from the balance with the XX/XX/XXXX expiry date, the credit card company paid off the balance due XX/XX/XXXX, and paid down some of the balance due XX/XX/XXXX. I am now paying interest on the balance due XX/XX/XXXX. This seems very shady and bogus. Is that even legal anymore?
Sometime in   XX/XX/XXXX   I had a water main burst on my property, which caused my crawl space to flood. This caused quite a bit of damages, which my homeowner 's insurance refused to cover. I had several companies give me quotes for repairs, and settled on  XXXX   XXXX   XXXX  because they were the only ones who offered a payment plan.     I first had my load processed with  XXXX   XXXX , and my payments started  on  XX/XX/XXXX .  The interest rate was something ridiculous, ner 18 %. I paid a large lump sum payment on my first payment, and my plan was to refinance the loan with another company for a lower rate. This large payment essential paid my account forwa rd 2-3 years as well. The first problem arises on my CBR, showing a debt of over 20k, whic h is incorrect. My loan was only for  XXXX . I have attached a document with a screenshot of this information. I have filed a complaint on this with the CO Attorney General on this matter.     Afte r 4-5 m onths,  XXXX  transferred or sold this loan to  XXXX   XXXX   XXXX , who claim I misse d 3 pay ments, and then charged off my loan. I have attached a second document showing this on my CBR as well. Loans I thought were only to c/o aft er 180 days  of delinquency? This loan o nly shows 3 miss ed payments, which I do not believe were missed as the lump sum payment I made in the beginning should have still covered the period when the loan charged off. Showin g  XX/XX/XXXX .      I have been trying to get this issue resolved for almost  2    years. I have n't received a bill in nearl y 3 ye ars, and in the past it had been nearly impossible for representatives for  XXXX   XXXX   XXXX  to locate my acct when I called in etc. In the time since the loan charged off I finally received a few phone calls, and set up a payment plan with the company ; however after months of being on the plan I received a letter stating, they can no longer auto debit my acct. I tried to contact the company and had the same issues locating my acct. Until recently I have n't heard from  XXXX   XXXX   XXXX  until recently I began getting calls again, and the loan is showing delinquent on my CBR again. The loan has not been sold to  a 3rd part y, its still with  XXXX   XXXX   XXXX  and when I spoke with a supervisor they said there was nothing on my account in regards to the payment plan I had been on for months.     I think this is wrong, and I need someone to help me with this issue. As I said earlier I have been trying to rectify this for quite some time, I have n't received a bill in n early 3 years , and never received a final demand letter etc. As you look into this I think you will find some wrong doing or negligence on   XXXX   XXXX   XXXX  s part, along with incorrect  CBR  reporting. Any help or advice would be much appreciated. On the attachments I have provided you can see the incorrect balance reporting ( difference between  XXXX  amount and  XXXX   XXXX   XXXX  ) and where it shows I only miss ed 3 payment s, then the loan C/O.
The servicer of my loan is unable to process payments and update my account as expected. This is a result of the company providing me with an escrow analysis that gives me 2 options when the account is in shortage. I can either pay the amount of 12 months or pay the shortage in full. I chose to pay the shortage in full. I provided payment well before the due date and the amounts applied to the account were incorrectly applied at first. The company resolved the issue and sent out an updated statement. In the following period, I received a statement that was incorrect, I subsequently found out that the statement was incorrect due to the subsequent period which is now current having the applied funds being incorrectly applied. 

In effect, period 65 stated options A and B. I chose B. Payment applied incorrectly, then corrected and new statement received. Period 66, incorrectly received statement for A, but payment was applied correctly for B. Period 67, incorrectly received statement for A, payment applied for A which is wrong. Future period 68, shows statement for A incorrectly. 

Mortgage Billing Statements Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong for period XXXX Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, XXXX Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, 67 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Right, 66 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, 66 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Prior updated payment, period XXXX I submitted the current payment from my account on XXXX/XXXX/XXXX that WFM received on XXXX for the XXXX due date. When reviewing my account status online, I expect it to show correctly. As of today, the amounts shown are incorrect and the dates applied are incorrect, " Last payment received on XXXX/XXXX/XXXX ". When I receive payment confirmation emails, I review my account. I received confirmation on XXXX that applied funds had been corrected but found that my payment had not been applied correctly. 

In summary, the servicer of my account is failing to provide accurate service. For a bank I find this alarming and would expect that the application of my payment be precise as well as the billing.
This is now my third official complaint against Navient about bad business practices, allocation mistakes, and ignoring allocation directions. Whomever Navient is paid up with for protection or has bribed at CFPB, they are getting their moneys worth.

Outright, this company, Navient is shady. Every student loan statement comes with printed directions for allocating payments differently to include written instructions. " You have the option to instruct us to allocate payments differently or to not advance your due date. ... Clearly write your instructions on a separate piece of paper included with your check. '' I did so by dating a letter and mailing a large payment ( {$6800.00} ) on approximately XX/XX/XXXX. This amount was intended to pay off close to 99 % of the entire student loan debt so I could be rid of this terrible loan service company after getting extremely tired of all the printed statement confusion throughout XX/XX/XXXX and other on-going issues. The payment cleared on XX/XX/XXXX. The  allocation instructions were not followed, again. On XX/XX/XXXX at approximately XXXX, Navient customer service agent XXXX confirmed that they had indeed received the allocation instructions letter with the XXXX payment, and that is all I needed to know given previous experiences with this company. The most important takeaway I have from my experiences with Navient is that they blatantly choose to ignore written instructions pertaining to allocation. Any apologies or responses in regards to complaints are simply fluff. They do not follow written instructions, this fact can not be emphasized enough ; Navient should be penalized in some way.
Portfolio Recovery calling me every day like seven times a day. My cell number is register to do not call service, but they keep calling from diferent telephone numbers. They already suit me, but they insisting and keep calling some times three times in a roll ... from XXXX and XXXX
On XXXX XXXX, XXXX I received an offer from Barclays Bank for XXXX bonus miles. The offer said : SPEND {$2500.00} or more.using your XXXX XXXX XXXX XXXX each month from XX/XX/XXXX through XX/XX/XXXX and youll earn XXXX bonus miles ( Slide 1 ) I went online to sign up for the offer and received the message : Register now to earn XXXX bonus miles when you SPEND {$2500.00} or more in purchases every month from XX/XX/XXXX through XX/XX/XXXX ( Slide 2 ) They now refuse to give me the miles because they argue I spent {$2300.00} and not the required {$2500.00} in XX/XX/XXXX ( Slide 3 ). A look at my credit card statement shows they recorded purchases from XXXX for {$93.00} and XXXX for {$71.00} on XX/XX/XXXX and XXXX for {$50.00} on XX/XX/XXXX. ( Slide 4 ). I went to my accounts with the above mentioned companies. Slide 5 shows that the XXXX  payment ( see more about this payment below ) took place on XX/XX/XXXX and was processed on XX/XX/XXXX. Slides 6 and 7 show that the XXXX and XXXX payments took place on XX/XX/XXXX. If we add these payments to my XX/XX/XXXX totals, I did SPEND over {$2500.00} ( $ XXXX+XXXX+XXXX+XXXX= {$2500.00} ). I took a screenshot of my account ( Slide 8 ) on XX/XX/XXXX at XXXX. It shows available credit for {$16000.00} on revolving line of {$19000.00}. That is because I was SPENDING money to make sure I met the threshold, which I did ( $ XXXX- $ XXXX= {$2500.00} ). On XX/XX/XXXX, I contacted the bank regarding the transaction dates ( Slide 9 ). The CSR acknowledged that the transaction, authorization and posting dates may be different. In fact, slide 5 shows that I made the XXXX payment ( SPENT ) on XX/XX/XXXX which they processed on theXX/XX/XXXX. Slide 8, which is from the bank web page, shows they received a request for a temporary authorization on XX/XX/XXXX, but they registered the transaction on XX/XX/XXXX ( Slide 4 also from the bank ). Three different dates for the same transaction, a 2 day lag between the day I SPENT the money and the day the bank recorded it. I faxed the appropriate information to the bank on XX/XX/XXXX, contacted them on XX/XX/XXXX and then called them on XX/XX/XXXX. They refuse to give me the bonus miles. I can control my spending, I can not control when the merchants or the bank register my spending.
This Bank is preying and profiting on peoples attempts to rebuild their credit. My story is similar I thought my year was upcoming then I received a Savings Account Statement showing my Secured Deposit - so I called Their customer service is the most untrained, rude I have ever spoken to I inquired did if I received statement as my year was up, she replied yes - no answer when I pointed out it says nothing to that effect anywhere-Then when I asked how to get my deposit she said I could apply for unsecured or close account?? So I asked min qualifying score she said XXXX she thinks??? I said I wanted to cancel then and have my money refunded to which I was told today is XXXX XXXX you cant to anything after XXXX XXXX so I called back morning of XXXX XXXX and this time I was told if I wanted to cancel account I had to do it in writing and the {$29.00} membership fee I was also just charged was NONREFUNDABLE?? I asked if she couldnt waive and locate the documentation of my call two days earlier requesting cancel NO it does not matter your account will not officially close for 60 days FEE STANDS. Anyway the result of my year with USBANK consisted of the following I lent them interest free my deposit ( and contrary to website did not pay interest to me on Secured Deposit ) they held my money for a year, charged me interest and also by their methods that are NOT stated in any paperwork or on website I could find they either deny Secured Card or waiting another 60 days for refund and being charged for a year membership fee! The only effect for this card is NEGATIVE but I have during the year gotten unsecured cards - no membership fee I have reviewed all paperwork and website and this 60 day wait or process regarding refund of security deposit or procedure is not posted nor was it sent to me.
I started receiving calls and voicemails stating the call is regarding a notice to appear in court that will be processed. The voicemail states I am facing allegations regarding my social security number ( XXXX provided the last XXXX of my social on my voicemail ) in connection with a check, misrepresentation for income assistance. The party states this is the final attempt and is asking me to call for a phone deposition to file for dismal, because the accusing party and their representatives are moving forward to have me severed for legal action. Once I receive an order to appear, I will not be able to dispute the consequence rendered because they can prove I disregarded the matter. 
I currently work for a collection agency in XXXX, Texas. I temporarily retained my company 's general counsel, to contact the company leaving me voicemails. The representative with this company, XXXX XXXX, refused to confirm the name of their company. My voicemail states XXXX XXXX, the representatives provided the name XXXX XXXX and when I called back I was given XXXX XXXX XXXX as their name. After being hung up on multiple times, we spoke with XXXX XXXX 's " supervisor '' XXXX XXXX. XXXX XXXX refused to provide the companies address and eventually stated their company no longer wishes to do business with me and will not speak with me any further. 
Prior to involving my general counsel, I called the company on my own and was informed the debt is for Check-N-Go and is now with United Debt Holdings. I asked the representative, XXXX XXXX, if they were a collection agency, as I was not provided the Mini Miranda and was told they were retained by United Debt Holdings. During the call, I asked if the representative if his company or United Debt Holdings purchased my debt and the party refused to answer my question. 
I attempted to contact United Debt Holdings to verify they in fact are now handling my alleged debt and outsourced my account to another company. I have not been able to reach anyone with this company phone and their recordings prompts me to leave a voicemail including my name and social security number, which I do not wish to do.
I applied for a business credit card with XXXX XXXX. I was asked to submit all my business information ( ein, registration of business, dba, business location ). I submitted all the requirements to obtain this business card for my business, only to find out that it's being reported to the credit bureau 's as a business card for an individual not as a company card. Which has my company name on it also. I have-other business cards which is not reported on my personal credit report. I feel that XXXX XXXX is reporting business credit cards for a company to business credit report and to personal credit report. Makes it looks like XXXX XXXX gave out two credit cards to my company which the company only has one business credit card. The card is only used for the purpose of my business and not for personal  used. By this being on my credit report is making my debt to ratio higher making it look like I do not manage my accounts very well.
Good Afternoon, Today I received a call from XXXX at XXXX XXXX XXXX at my work. I work for a financial institution and our calls are recorded. Despite telling XXXX that its my work and I could potentially lose my job for that call he continued to pressure me into the call and not willing to hang up. According to my company policy I can not hang up on a call as it could be a customer service issue. He without verifying my identity disclosed my financial information which could have been anyone at my work and they would have known my financial status. Just not only put my information at risk he put my job at risk. If my call quality team ever listens to this call and escalates it to my manager I could lose my job as its strictly prohibited for us to take personal calls and specially not from another financial institution. I have asked XXXX to not call me ever at my work but he refused to commit to that and said he will call back. Please advise and assist as next call from him could end my employment. Thank you!
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX and XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX