WillisBack/dataset-financial-user-claim huggingface dataset:
After Hurricane Maria passed through Puerto Rico, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies.

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice.

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.
I was trying to get my credit report from transunion and it did n't let me print it on my computer. so when it turned to a different page I went back to try to print it but it said error and I was n't able to print my report.
There are serious problems customers face accessing their online information at Northern Trust. Twice this year, I was locked out despite not changing my UserID or Password. Each time, the bank 's online reset password did not work. Each time I called customer service and was met with great difficulties. The bank sends a temporary password of between 40-50 characters, which can not be copied and pasted, but must be manually written down and then typed. The first time it took multiple tries with customer service with ever new temporary passwords. The whole process took about 30 minutes. More recently, on or about XX/XX/XXXX, again - for no reason - I was locked out of my account and was blocked from resetting my password. Again I called customer service. Spoke with female XXXX XXXX who sent me new 40-50 temporary passwords - none of which worked. I asked her to reset my password, but she refused. I asked for a supervisor. After a lengthy wait, XXXX XXXX came on and claimed to be a supervisor. But, in fact, she is a front-line representative answering initial calls. Again, the temporary passwords did not work. I complained about the overly lengthy passwords. She responded that many other investors have the same problem, but could not provide to me a shorter and working password. She said that she could not help me, that I must keep trying with 40-50 characters. Then, in a setup, she asked me which browser I use. I responded XXXX XXXX. She lied by saying that XXXX XXXX is not compatible with XXXX 's system. I responded that in previous years I successfully used XXXX XXXX without being locked out. She had no answer. After about a full hour I gave up - not being able to access my account online. Thus, I called Northern Trust, XXXX 's servicing bank. I tried to reach XXXX XXXX, CEO. I was put into the voicemail of XXXX XXXX. I left a message describing the horror of Northern Trust 's anti-consumerr system. Subsequently, XXXX XXXX called me saying that the was the Vice President in charge of the account processing. He claimed to be horrified that 40-50 character passwords were being sent to investors. He claimed not to know this. He got back to me on XX/XX/XXXX and said that the bank 's contractor was reducing the passwords to 8 characters. He said someone would call me. XXXX XXXX eventually called me, but she was once again a total disaster. These new temporary passwords did not work either. She said that the only thing to do was to keep sending me temporary passwords, that no one else do anything to give me access to my account. After more failed efforts, I stopped and called XXXX back to report the situation. He did not have the courtesy or decency to return my call. So, I can not go online to do anything which the bank will not allow me to do via telephone. Northern Trust and its CEO XXXX XXXX have no interest in the problems they have created for its customers. The bank should be fined and XXXX should resign.
CFPB Complaint XXXX/XXXX/2016 Credit reporting and investigation issues. 
This complaint is a direct result of the statements provided by XXXX XXXX with CFPB Case No : XXXX. The statements provided are of such low quality they are difficult, if not impossible to read ; therefore I am attaching their original response. 
I attempted to send the statements to TransUnion via fax but was informed by a TransUnion representative the statements provided by XXXX XXXX are not legible when printed or fax. 
I am attaching the statements and the letter, that were uploaded by XXXX XXXX to the CFPB complaint dated XXXX XXXX, 2016 signed by XXXX XXXX, stating the account is reporting correctly with the CRA 's with a balance of {$2500.00}. 
My current credit report of XXXX/XXXX/16 shows a high balance of {$1900.00} and/or the credit limit of {$1500.00}. This is incorrect. 

I have attached my current credit report, showing XXXX XXXX reporting inaccurate, along with the CFPB XXXX response from XXXX XXXX. 

Thank you for time and assistance in this matter.
in summer XX/XX/XXXX and again in early XX/XX/XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to my report. it is illegal for an item to be added back to my report without you getting written notification 5 days prior to it appearing. This was transunion issue and not mine. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. The representive XXXX that I spoke with told me that he would not be removing them as of XX/XX/XXXX at XXXX. These inquiries add a hardship and my rights were violated by TransUnion. I am asking that TransUnion stop victimizing me. As a resolution, i am asking that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
A balance of {$150.00} from a old water bill. The balance was paid XXXX/XXXX/2012. Please see the attached letter.
I am a victim of identity theft. While living overseas my passport was stolen and several accounts were opened in my name. I disputed this information directly with the bank and credit reporting agency and my name is still associated with these fraudulent accounts. I was told by the bank to call the bank and report the account as fraudulent and that I would receive an identity theft packet in the mail/email. This was about six months ago and I never heard anything after I called. XXXX is still reporting an account from XXXX XXXX XXXX which was not opened or used by me.
Navient incorrectly processed ICB repayment plan paperwork for at least 6 months or more. Each of these months I was put into deferment until they could resolve the issue. I called monthly to check on the status of the request and make sure it was being handled. Being in deferment caused me to incur more interest than necessary- their error at my expense. By the time it was resolved, I had to resubmit paperwork with the next set of tax returns- it took that long to resolve!
This Complaint is related to a previously filed complaint ( XXXX ). Chase in its response, in order to close the complaint provided incomplete information and withheld other information. This complaint is related violations of the Fair Debt Collection Practices Act, the Truth in Lending Act, and the Fair Credit Reporting Act as well as abusive behavior in confiscating reward points without formal notification. Given recent Press Coverage of Chases efforts to manage reward costs this appears to be a conscious strategy to enrich the company and its shareholders and I request whistleblower status. 

The specifics of my initial complaint are attached. Relevant new information is as follows : I called Chase on XX/XX/XXXX to make a payment. The Payment came out of my account that day. As mentioned in the prior complaint I attempted to use the card at a XXXX XXXX and was declined. 

You will notice that while the Associate I spoke with was acting in a Debt Collection fashion, Chase is unable to provide a recording or transcript of the call. Quite convenient, but also troubling in that there appears to be a lack of oversight of this type of debt collection on Chases part, including any verification that appropriate disclosures and scripting was followed. Clearly this is something for you to review on their next Regulatory exam. 

On XX/XX/XXXX I received the attached letter confirming the Payment. Notice there is no mention of the account being closed. 

On XX/XX/XXXX I recieved my account statement ( attached ) reflecting the payment but showing the reward points removed. However the statement does not mention that the account was closed. It simply shows my credit limit of {$20000.00} but shows an available credit of {$0.00}. How would a consumer understand that the account had been closed? 

I also attempted to resolve this issue through Social Media via XXXX. I posted complaints to the Chase public account and XXXX  XXXX immediately responded asking me to direct message them my information, which I did. I followed this approach multiple times between XX/XX/XXXX and XX/XX/XXXX. Each time, I never heard back from CHase. It is clear their strategy is to derail negative comments via an offer to take the conversation offline and they NEVER follow up. Clearly this is a deceptive use of Social Media and a bad faith approach.
On XX/XX/2018 an inquiry was placed on my XXXX report by this company that I do not recognize. I would like to request to have this inquiry removed ASAP. Otherwise please show signatory proof that I in fact did apply for this account.
Went to XXXX to open up a checking account, was denied and told I was in XXXX. I requested my XXXX report and it was clear. Went to Chase bank to inquiry about old accounts and was told, they will not allow me to open an account with them due to claims. I asked did they report me to XXXX and was told no. I am not sure why I can not open a bank account with other banks. I currently have a checking account with XXXX XXXX XXXX.
I sent out 4 different letters dating back as far XX/XX/XXXX to XXXX, Equifax and XXXX   the latest being XX/XX/XXXX and another one I am sending out today XX/XX/XXXX. 
I wrote to XXXX, Equifax and XXXX to remove the following accounts ( listed below ) from my report if they did not provide me documents or validation of the debt. The company has failed to remove any account and responded back as " verifed accounts ''. Therefore, since they failed comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. XXXX has not provided any documentation, they did not confirm who verified the information or what company. They have refused to remove the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, Both Bankruptcies XXXX even after I provided a letter from XXXX XXXX and the local Bankruptcy court stating they dont report to Bureau 's so how can XXXX, XXXX and Equifax not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else. I called and spoke with a lady named XXXX today XX/XX/XXXX ( XXXX ) to inquire about my recent notices-she stated they do not remove things from my credit report and to file a police report.
XXXX XXXX sold our loan to loancare we feel with out notice it was at the time of year we pay our property tax and insurance. we pay it out of our pocket we do not fiance either one of them and have for XXXX yrs. XXXX XXXX took money that was marked for escrow and applied it to principal they claimed then we sent them copy of policy for insurance paid in full on that home as again we have done every year. At same time all this going on they sell my loan to Loancare who raised my payment 50 % it was XXXX to XXXX they say because of escrow witch has been payed we have tried to resolve with no results with his company we even sent them more Escrow money that has disappeared now they say I can not prepay it. but it is part of original loan and they can not change terms and conditions of that loan says right on paperwork from XXXX XXXX  this has put tremendous strain and stress on us both financially and emotionally the loan has dropped to XXXX but should be under 1000.00 they say I have XXXX over pay in ecrow now but still want XXXX month escrow
My wife has received another letter of default from XXXX XXXX XXXX. XXXX has improperly submitted at least XXXX claims against my wife for debt which the original " creditor '' has failed to send to insurance for payment. 

XXXX XXXX XXXX has failed to correctly file insurance payments even after repeatedly being informed of the correct insurance information. In at least one instance, XXXX XXXX XXXX sold the debt to XXXX adjustment and then filed the insurance claim and received payment for that claim. 

XXXX adjustment was informed that their recourse to the previous debt for which insurance payment was received was to contact XXXX XXXX XXXX. XXXX was also informed in writing that any further invalid collections which were submitted by XXXX XXXX XXXX would constitute harassment. XXXX has again tried to collect on an invalid debt. 
This debt appears to be exactly like the one which XXXX XXXX XXXX failed to properly file with insurance. Please note : XXXX XXXX XXXX has in the past turned the debt over to collections two days after the date of service thus not allowing any time for payment to be received from the insurance company. 

Please note : At no time has XXXX XXXX XXXX EVER submitted ANY bill for services directly to my wife. I am astounded that medical services could be provided to anyone without that company having some manner in which they can identify the patient. 

I find it particularly troublesome that XXXX XXXX XXXX and XXXX XXXX have never submitted anything resembling a bill with a due date or a past due notice. They both go straight to collections actions ( and they both know the correct name and address ).
In the evening of Tuesday XXXX XXXX 2016, I made a cash deposit of XXXX {$1600.00} ( XXXX XXXX, XXXX XXXX and XXXX XXXX dollars ) into the ATM number XXXX located in the Chase Branch at the XXXX XXXX of the XXXX ( XXXX XXXX ) in XXXX, NY ( XXXX ). 

Immediately after inserting the bills into the machine, the screen showed me an error message ( picture will be attached ), explaining that the ATM has experienced a technical problem and I should contact a Chase representative at their Claims Department. I printed the receipt ( also will be attached ), with the transaction ID, ATM ID, address, last XXXX digits of the account that the deposit was intended to be done, date and time of the deposit. 

After calling the Claims Department ( Claim # XXXX ), I was communicated that Chase would review the claim for up to 10 business days, without crediting the funds in my account, and no temporary credit would be done to mitigate the impacts of their machine malfunction in my daily issues. 

I called my Chase Banker and he emphatically said that I needed to call again the Claims Department, not hanging up before getting the temporary credit, because that was a bank error and I should not have any harm due to a bank 's error. 

Several other attempts to talk and escalate the situation were tried, still in the Wed XXXX and the Friday XXXX XXXX 2016, getting to the point where the representative of the Escalation Team in the Claims Department communicated me that no credit would be done prior the conclusion of their process and that was their final answer to the case. 

After being asked what would be a valid next step for my complaint or who should I reach in a different team to report my case, they said that they do n't have any other contact to pass to me and if I wanted to file a complaint about the Claims Department on the lack of solutions, I should do that with the Claims Department, without spotting the illogical conflict of interest in the situation. 

My complaint is the lack of the temporary credit in my account due to the bank 's error and the inability to deliver any other mitigating solution. In the last call I communicated my intention to file a complaint in the regulator that would overview this type of cases. 

The deposit was done in a Chase Private Bank branch, and the bank has the cameras in their hands to accurately investigate the process and react in case there was any inaccuracy in my claim, reserving the right to correct my temporary deposit in case that happened. As it was a very relevant value and several bills, I counted bill by bill in front of the ATM, leaving no doubt to the correct amount that should be credited in my account.
I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX reports
I started working on my credit this year so i pulled my report and there was a collection account from Receivable Management Comp on my report. Ive sent in numerous letters for validation of this debt and have yet to receive a response. The debt owe is {$88.00}. I recently checked my Secretary of State website for the state of live in and this collection agency is NOT licensed to collect by law. This account needs to be deleted and removed from my report to report accurately.
I am continuously and repeatedly receiving collection calls for a debt that is not legally mine. The collector/caller/creditor, XXXX, with Lendmark Financial has suddenly took it upon himself to call my place of employment on XX/XX/2018 at XXXX. The call is recorded along with the voicemail. I have spoken with XXXX before and advised him to not call me regarding a debt that is not legally mine. He has alternatively called me from private numbers, and from other non- business numbers. This is harassment. This is not my debt. This debt legally belongs to my living relatives.
I was shocked when I reviewed my credit report and found late payment on the dates below 90 days late as of XX/XX/2010 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.
My mother has XXXX, and I am her power of attorney. She has been charging hundreds of dollars worth of merchandise that she does not recall ordering. I lowered her credit card limit to {$200.00} to prevent this problem and was assured by Chase card representatives on at least two occasions that any attempted charges over this amount would not be approved. At {$630.00} I cancelled the card, after several representatives in XXXX departments ( 7 calls total? ) could not explain why charges kept accruing. Finally, someone told me that the credit limit would not stop charges from being approved, and that I would have no choice but to pay the entire balance.
I have a Capital One credit card I applied for a credit increase I was told I would get a letter in 12 day which I did today XX/XX/XXXX. Letter stated I was DENIED credit increase at this time. I stated a list of general reasons why it could be denied and not a one related to me so I called capital one I was transferred to one after another until finally the person said I was denied because of a late payment I ASKED WHEN WAS I EVER LATE THEY TOLD ME IN XX/XX/2018 I HAVE NEVER BEEN LATE AT ALL I HAVE ONLY HAD THIS CARD FOR 8 MONTHS BECAUSE I WANTED TO BUILD MY CREDIT RATING UP. I HAVE PAID ON TIME I HAVE PAIDED THE BALANCE ALMOST OFF EACH TIME SO IM VERY AWARE I WOULD NOT BE LATE I ASKED FOR A SUPERVISOR I GOT ANOTHER RUN AROUND THEN ON HOLD FOR 15 MIN. he KEEP SAYING IT WAS LATE SORRY CANT HELP YOU TRY AGAIN NEXT MONTH, I asked for someone else he said there is no one else that can help. I'm so angry with Capital one for putting me late when I know I was never one late. Im thinking to bring this to a lawyer and to count for miss representing my file / I hope you can help
XX/XX/2018 To : Consumer Financial Protection Bureau Im writing this letter to complain about XXXX XXXX false information provided to Credit Bureau ( XXXX ) about delinquencies reported for account Account ( HSBC Advance Mastercard Account Ending in XXXX ). XXXX XXXX reported on XX/XX/XXXX that my account has later payment for 3 months and current balance {$100.00}. 
After receiving alert from XXXX on XX/XX/XXXX, I checked my FICO score and it was lowered by 77 points because of that fraud report. After talking to XXXX XXXX ( credit card and collection department ) I was told that this is not correct information and bank DID NOT REPORT IT. I attach the letter from bank to confirm their answer. ( date XX/XX/XXXX ) XXXX credit bureau dispute was initiated on XX/XX/XXXX and result was returned back on XX/XX/XXXX back that said that information still correct and bank confirmed about my negative status of my CC balance.Currently there is still negative report in my account ( attached copy is provided ). Second dispute is initiated again. 

THE REAL TRUE STORY IS THAT MY ACCOUNT WAS CLOSED IN XX/XX/2018 AND CHARGES THAT WERE MADE TO MY HSBC CREDIT CARD ACCOUNT WASNT AUTHORIZED. CURRENT BALANCE NOW XXXX AFTER WAIVING ALL FEES. 

My complain is about false and misleading information from both agency : XXXX bureau and Bank HSBC. There is no real information provided from both of Agencies. HSBC customer support told that none reported to Credit bureau, but XXXX Credit Bureau notifies twice that there is still account in bad condition ( balance of charge and later fee for delinquencies ). 
On XX/XX/XXXX I tried to reach both company ( HSBC and XXXX ) but none was able to help me as it was so hard to reach correct department and right people who is in charge of doing such reports. I dont think that FICO scores and Credit Bureau reports of people should be TRUSTED by any banks or financial companies. 
Please help me to fix that fraud information and fix my score.
Chase credit card services contacted my place of work, thus jeopardizing my employment. I did not give my employers number nor the written consent to contact me at my workplace. I asked them to stop immediately as this is a form of harassment. They have also contacted me repeatedly at my mobile and work mobile phone during my working hours, at inconvenient times.
this issei is between XXXX XXXX XXXX  XXXX XXXX ct and XXXX XXXX and me, when i trade XXXX XXXX XXXX with over maileg and XXXX XXXX ADEED IT TO MY NEW MONTHLY PAYMENT IT WAS ABOUT XXXX DOLLAR but XXXX XXXX trying to force me for amount of XXXX that amount is over maileg and the rest is tax and this amount i already bay about 900.00 to XXXX XXXX XXXX and i have all decominte but they insist that balance of XXXX stel not bed tile naw. and toyota motor credit corporation sent me a letter on XX/XX/XXXX. XXXX. XXXX ACCT # XXXX, CREDITOR ACCT # XXXX, ACCOUNT BALANCE:XXXX. I HAVE ONE YEAR  GOING TO XXXX XXXX XXXX TO HELP ME BUT EVERY TIME I WENT THAR THEY NOT GIVE ME ANSWER THEY SED DO NOT WORRY WE WILL TECAR OF THAT. WHAT I CAN DO I NEED HELP PLEAS, THANKS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT
Ocwen issued a Notice of Default, through XXXX XXXX XXXX XXXX, without granting the " In Person Meet and Confer '' provided by the WA State Foreclosure Fairness Act. I have made XXXX formal requests for the meeting.