WillisBack/dataset-financial-user-claim huggingface dataset:
Our XXXX account and an email account were breached and charges were made to a credit card. I contacted Equifax per the credit card company to lock credit services. Equifax sold me XXXX XXXX protection service, then upgraded it to another, and then downgraded when the XXXX did not work, and then added an additional XXXX for my wife, as they could not network with XXXX to link the XXXX agencies together. I was supposed to have XXXX service covering " the family '', tying to all XXXX credit reporting services to both my wife and my social security numbers, but they ended up charging me for XXXX, with no complete coverage. 
Equifax instructed me to call XXXX to fix the error. Once I finally found a phone number that connected to live human, XXXX said there was no issue and I should get back on the phone with Equifax and they can directly call XXXX and work out any issues. Equifax said they could not solve the problem, it was up to XXXX and I should wait two weeks for all my credit reports to arrive by mail so I could compare them. At this point, after about 4 hours on the phone with these XXXX agencies, I asked Equifax for the accounts to be cancelled and a refund since I had not ever used the service nor logged onto the accounts. Equifax cancelled the accounts, but refused to give credit even though their product did not do what they sold it to me to do, plus they sold it to me only three hours or less prior to cancellation. 
I did not use their product ever as it was not what they said it was and they could not get it to work as they said it would. Since the the product did not do as it was sold to me, I expect them to stand behind it and provide a refund - no way. They say once XXXX and I figure out what is wrong, it will work. 
Equifax uses high pressure sales to sell you a product that if it does not work, too bad, you still pay at least XXXX month 's monitoring. I agreed to the extra products as the Equifax person suggested I could have everyone on the family plan by the end of the day - not even close. It would take at least XXXX weeks minimum just to find the issue by me, and then who knows how long to get it resolved since the credit reporting agencies leave it up to me to fix.
I am a victim of identity theft. I have contacted Chex Systems Inc on numerous occasions and have found that they flagrantly violate the provisions in the Fair Credit Reporting Act. My previous financial institution, XXXX XXXX, had a date breach and/or hack several years ago which resulted in my sensitive personal information being shared with over XXXX people. The information included my full name, driver 's license, date of birth and social security number. I have had to dispute numerous accounts opened in my name as a result. I previously disputed the XXXX accounts that are being reported on my credit file with Chex Systems directly with Chex Systems and have now filed a complaint via the Consumer Financial Protection Bureau which Chex Systems responded to. Chex Systems claims to have investigated my previous disputes. Upon my communication with the XXXX companies that have reported information to Chex Systems ( XXXX XXXX Bank and XXXX XXXX XXXX Bank ) I was told by XXXX companies that Chex Systems never forwarded them my complaint and that they were not aware of any identity theft because Chex Systems never told them. I had these conversations with both companies over the phone and XXXX XXXX sent me the attached letter confirming the conversation and letting me know that they told Chex Systems to remove this information. In the response I received from Chex Systems Inc this week through the Consumer Financial Protection Bureau they stated that they would not remove the information - this after the provider of this information has told me in writing that they have requested Chex Systems remove this information immediately. I have attached to this complaint a copy of the written communication from XXXX XXXX XXXX Bank which informs me that they have instructed this credit bureau to follow the law under the Fair Credit Reporting Act and to remove the information from my credit file. I have previously supplied Chex Systems with a copy of the letter from XXXX regarding the identity theft and also provided in the previous complaint filed with the CFPB. In XXXX letters I have attached the financial institutions have provided contact information for any third party to contact to confirm any information. In reaching out to XXXX Bank I was told that they also have no record of Chex Systems contacting them to validate this identity theft. To date I have contacted Chex Systems numerous times and spent hours of my time attempting to rectify this situation and have provided written notice with contact information for them to validate my claim of identity theft and to date they have not honored my rights under the FCRA and attempted to validate my claim.
I am doing XXXX complaints to each bureau because I have disputed many times the account XXXX XXXX. This account from years ago is not mine and all I ask is for it to be deleted off of my credit report.
Company never contacted me in reference to account. Had no knowledge that account ever existed until this morning XXXX/XXXX/16. Account has not been communicated what so ever
THIS IS MY SECOND COMPLAINT AGAINST NATIONAL CREDIT SYSTEM! I HAVE RECENTLY SENT THEM AN AFFIDAVIT TO CEASE AND DESIST ALL COLLECTION EFFORTS, AND TO STOP REPORTING ON A FRAUDULENT DEBT THAT I HAVE KNOW KNOWLEDGE ON AND ALSO NO CONTRACTUAL AGREEMENT BETWEEN MYSELF AND ALSO THEIR COMPANY. I ALSO DON'T THINK THAT NATIONAL CREDIT SYSTEM HAS A LICENSE IN THE STATE OF TEXAS WHICH IS MY THIRD CONCERN WITH THIS COMPANY! AGAIN NATIONAL CREDIT SYSTEM IS IN VIOLATION OF THE FAIR DEBT COLLECTIONS PRACTICES ACT FOR TRYING TO COLLECT ON A DEBT THAT IS THE RESULT OF IDENTITY THEFT!
NCB Management Services , Inc. sent me a legal document stating that I am being sued. I have no signed contract with this company.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
I have had my student loan on a income contingent status I submit my pay stubs and household income and information in 2016 my account was reported as 90- 120 days late I called to inquire about this and was told since I faxed in several pay stubs for the month there was a confusion about the amount I really earned and they calculated me making 3 times the amount of my actual income I thought the account was at a payment of {$0.00} dollars monthly when I was changed to a payment of over {$300.00} dollars a month I was not made aware of this change and when I did realize it and called the company handling my loan they fixed my payments but my account still shows that my account was 90- 120 days late keeping my credit score from increasing. I would like to resolve this and get this delinquency removed from my credit reports.
My husband was unexpectedly hospitalized and unable to work and we fell behind on our mortgage payments. Just 1 ( one ) month behind. I contacted PennyMac to say we were just a little behind and trying to get caught up and their representative XXXX told me about loan modification. He said we'd be able to miss up to 6 payments to get caught up and the length/term of our loan would be extended accordingly. We filled out all the necessary paperwork and waited - this week we found out we are approved for a modification. PennyMac 's terms, however, are very different than were described to us in the beginning. Yes, we'd be allowed to miss 2 ( two ) payments, however the length of our loan would not be extended. Instead, when our payments resume in XXXX, our monthly payment would be {$90.00} more per month *for the duration of our loan* AND they'd raise the interest rate on our loan as well. If we agree to this, we'd be agreeing to increase what we pay to PennyMac over $ XXXX over the life of our loan. This is clearly fraud - a bait and switch. We were offered a reprieve to catch up on bills and instead now being shown terms that can only be described as predatory. We owe way less on our home than it's worth - this is obviously just a tactic used by PennyMac to force people into foreclosure for PennyMac 's financial gain.
After firing a Financial Advisor, XXXX XXXX, for stealing XXXX from my IRA which I recovered, I received back my documents. Among them were three fraudulent XXXX advice of Credit ordering from XXXX XXXX XXXX XXXX XXXX acct XXXX to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  said it did not have an account under my name or social security number and the account number does not link to me. XXXX can not identify the transactions but has not reported the fraudulent advice of credit forms to the police and has told me that it is a civil matter. The XXXX Advice of Credits may be dated in XXXX format which would place them in 2012. I do not know the reason behind these fraudulent bank documents and am concerned that an unknown account at XXXX XXXX may in fact have my money.
I received XXXX offers via e-mail ( and XXXX via regular mail ) from Caliber Home Loans with offers to refinance with claims on how I can save money by refinancing into what are obviously sub-optimal new mortgages. I currently have a 30 year 3.375 % mortgage with about 27 years left. They sent me XXXX offer that tries to sell me on the idea of refinancing to a new 30 year mortgage at 4.0 % because " Getting a lower monthly rate and paying less over the life of your loan just makes sense. '' The other offer was to get me to refinance to a 20 year 3.75 % mortgage, again an awful fiscal move. Again they use strong language " refinancing is an easy way to solve many of your mortgage worries. '' They do put a disclaimer on the e-mail that lists out all of their assumptions, but the exuberant language they are using to try to sell people on making what is clearly an awful fiscal decision is wrong and borderline predatory in my opinion.
I am contacting your office to file an official complaint against Ocwen Loan Services, LLC. in regards to my current mortgage. This has been a ongoing problem from XXXX. Ocwen has continues to add corporate advance fees for service related expenses. In my case, these expenses are doubling, and sometimes tripling in the same month, for the same things. Such as, Property Inspection, Property Maintenance Expenses, and Certified Mail Costs and Property Evaluation expenses. 

I am aware that my loan is delinquent by two months. However, these costs are outrageous, unfair, deceptive, and abusive acts and practices which has driven my mortgage to almost {$11000.00} in extra fees. I have contacted Ocwen about these charges asking that they show proof as to why all of these charges and expenses are occurring on my account. 

The latest expense report received from Ocwen was on XXXX/XXXX/XXXX, for property maintenance expenses totaling {$1200.00}. Also on that same date, I received another property maintenance expense in the amount of {$260.00}. Additionally, there was also another property maintenance expense in the amount of {$24.00}. These are just three of the five ( 5 ) EXAMPLES of an ongoing situation throughout the loan. 

I am attaching supporting documentation for your review of numerous invalid charges that can not be supported by this company 's actions. After exhausting all of my options with Ocwen in the past, from loan modification, to a short payoff settlement offer, I have had no success in dealing with this company. They have lied, and I have additional documentation supporting this. My main concern right now is to have these extra expenses deleted from my account. In this effort, It is my hope that assistance is received and justice is fully served under the Federal Consumer Financial Law. 

I am XXXX XXXX XXXX and do not have access to computer. Therefore, I would like all of my correspondence mailed to me at the following address : XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX
I signed up for a " XXXX XXXX '' card about 3 or 4 years ago. To save during the holiday season. The next month. the bill came. I paid it off in full. The next month I got another bill for like {$1.00}. I paid that then cut up my card. Never to hear from them again until 3 or 4 yrs later.  Which is now. They continue to harass me by sending me bills. I call them and waste a couple hours of my time fixing the issue by talking to many supervisors. I called Chase and XXXX and was told this matter is fixed. That account is closed. I can not so much as be sent a bill by mistake, and yet it still continues to happen. The last person I called said that it wasn't a bill at all. It was like a letter of my history. It was a bill with " minimum payment amount '' on it. He didn't know what to say about that. I have called Chase several times. Im told I OWE NOTHING and that the matter is FIXED. I have spent hours of my time on the phone speaking to one supervisor after another. Im told its FIXED each time. Then the next month comes with yet another bill. With a different amount. This is harassing and I WANT IT TO STOP. I have told them as much, and yet it continues.
Thinking to close this account because I want to pay off the balance which is about {$100.00} but the company is holding back some of the charges making me have to pay in small amounts instead of the entire balance. There was a recent lump charge of {$100.00} made but the charge is showing up partial so I can't pay the whole lump off in one payment. I looked for info on their site on how to close account and it said : Sign in to your account, select More Account Services and follow the directions under Close Account. 

But there us NO 'More Account Services ' link in my account. There is NO email option in my account to contact them that way either. I keep getting error messages when trying to submit feedback to their help page. I am busy and don't have time to wait on the phone to close this account when I'm ready. I need an online or email option.
My mortgaged harassed me say and reporting me late on my home loan I was XXXX prepaying most the time I got one month behind and they stopped taking my payments they sent them back to me for XXXX and XXXX. They for closed for the 3 months of XXXX XXXX and XXXX. They would not take my payments its an FHA /va loan I over paid the interest I have all receipts from XX/XX/XXXX'till now. The bank bankbank of america terrorized me to where I was XXXX. I am permanently XXXX. I have XXXX. I have XXXX problems. They called me everyday for months. They took a total over a 2 year span of XXXX full payment out of my escrow and could not explain to me why. There are about XXXX different discrepancies with the entire loan starting with a forged signature and the lawyer knew it. 
You ca n't sign a dead mans signature especially when you as the dead mans brother do n't even have the owners rights to sell this hour. The lawyer/ city judge allowed this individual to sign a forged name on our original warrenty deed which has been in my possession since XX/XX/XXXX a month after we signed on the house come to find out the man who signed on this house had a loan still out on this house well it did n't get paid off until after the house contract deadline.I purchased a title insurance policy for my title company and XXXX for myself. I do n't believe it was even a binding loan. There is more to it like the down payment and closing cost exceeded my contract allowance by XXXX. The bank went above and beyond in not showing effort in resolving any of my disputes and if did was not accurate. Y They did not fix any of their mess ups. Please help me I ca n't afford a lawyer and legal aid is a slow process.
I received a letter from Target redcard. It asks me to activate my new card. I never received a new card and I have been trying for over an hour to get thru to them. ..and I do n't have the mins to sit and go thru the horrible automated system to report this missing card. I do not want to use the website and I have been trying to get thru to customer service and it just says I do n't recognize. I have a small balance on this card ... .wherever it is. I would like to make sure there are no fraudulent charges and let them know this new card is missing. I obviously do n't have the new card number but I listed the old one in this complaint. And why is it I have to wait for what feels like days to fix this issue. I cant read the numbers on the back of the card the font is so small ... and the letter asking me to activate my new card ( which I do n't have ) has a phone number that is ridiculously hard to see or navigate within.. I do n't want to sign into the site online. I want to talk to a person. There is n't even a date on this letter. As far as the amount lost?. I do n't know if someone has used it or not. I do n't have the card number. So stupid. Please help. I am tired of helping XXXX make money cuz I have to call some customer service line and hold and hold forever. ( this happens with many of the companies I deal with )
I graduated from XXXX in XXXX XXXX. During my time at XXXX, my parents paid for my tuition/fees/etc. I did take up a few grants, but never took out a loan. XXXX XXXX, I received notification that it was time to start repaying a loan ... Navient said I took out a loan in XXXX XXXX for {$5500.00}, with my repayment schedule ( XXXX yrs ) totaling a loan of {$6700.00} once interest was added in. Again, I NEVER needed to take out a loan, or took out a loan. I called XXXX to rectify the situation, and at first they had no record of the loan. A week later, it popped up on their radar. They said the loan was applied to tuition. My parents looked back at their payments to XXXX and did not see any decrease in their end, so they paid the full bill. Again, I did NOT take out a loan from Navient, but was still charged with one. I have since paid the loan off, as of XXXX XXXX, but if possible want the money returned.
I have a mortgage on a house XXXX. When I moved back XXXX, I rented out the house. After being denied the pay that was due me and being fired when I filed a lawsuit to collect, and a tenant that did not pay, I could no longer afford to keep the house. I also had to put my primary residence on the market. I stopped paying the mortgage in Wisconsin and contacted the lender. I requested to do a deed in lieu of foreclosure. I was told that they would not accept that if I did not put the house on the market. I finally talked them into considering it, but they sent me as much paperwork to complete as if I were buying a house. I spoke to them again and said that I did n't have everything they wanted and they said that they would not consider the deed in lieu without it. Someone contacted me to potentially buy the house on a short sale so I contacted the bank again. Same paperwork and they would not consider it without an offer in hand. The potential buyer did not want to go through the formal offer process without knowing that the bank would consider it. I still can not pay the mortgage and they will still not accept a deed in lieu and are moving forward with foreclosure. I now need to deal with their attorneys. I can not use the XXXX Foreclosure Mediation Program because it requires you to be there in person and I can not afford the trip.
After my mother died in late 2015, I proceeded to close her estate. I was co-owner with her on XXXX bank accounts with Chase Bank. Since at least XXXX, the bank has refused to return the money I had put in the account amounting to roughly {$2100.00}. After some wrangling back and forth, the account was frozen and then closed due to a fraud alert, but that was straightened out months ago. Now, after at least 5 hours of phone time and writing letters and sending her death certificate which the bank then processed, the bank issued a check in my name to my mother 's former XXXX. Turned out, the check was returned because the mail at my mother 's house was not forwarded to my attention. The bank then destroyed the check. I was then told I needed to change my address. So, I did that over the phone. I 've live in XXXX. After a great deal more time had passed and I had no update from the bank, I called again and was told I needed to update my address IN PERSON. The closest Chase branch is in XXXX. This is the XXXX. I am not driving all the way to XXXX to change my address with the bank. Then, alternatively, they said I would need to go to a notary, call the bank, and ask the bank to fax an affidavit and indemnity agreement for me to sign. I told them I would go to a XXXX nearby to see their notary. Then the notary would fax back the document signed and notarized to the bank so I could get my check. I asked them to be sure and update their notes. That was before the holidays. I was dreading going to XXXX to follow up and close this matter since I was afraid Chase would fail me again. Last Friday, I mustered up my determination once again and called Chase before I went to XXXX. Sure enough, after being transferred to XXXX different people and being on the phone for XXXX minutes -- mostly on hold -- they said they would not send the agreement to XXXX for me to have notarized. They said once again I would have to go to a branch. I have never seen such gross incompetence by a bank before. Finally, I threatened to file a complaint with you, or file suit against them. The rep then transferred me to yet another person -- the first who sounded like she had authority -- and she said they would investigate my complaint. They said it would take up to 24 hours. That was a week ago. I 've still not heard back. How can I get my money back? This is ridiculous! I also want to be paid any interest on the account. Please advise.
They are overcharging me. I ca n't get ahead. They are not helpful in any way. They will not work with me so that I can repay what I owe. Due to my financial circumstances and being a single mother it is already a struggle to repay and they will not budge or work with me. It 's ruining my life. The loan amount keeps increasing and I do n't know why. This is having a really negative impact on my credit which is hindering me from moving forward in my life in any way. I ca n't buy a house or finance anything at a reasonable rate. Help! I am also trying to further my education but without loans since I 've had such a horrible experience. Something has to be done.
I opened a Scottrade Bank account a while ago. Scottrade Bank closed the account without providing a proper explanation. I have requested an explanation from Scottrade but every time I call them they say they will only speak to customers and since my account is closed I am not a customer. 

I would warn others of this behavior, if you have any dispute with Scottrade, I would advise that you withdrawal all of your funds before brining it to the attention of Scottrade as it is likely Scottrade will place your money in limbo and not allow you access to it. 

Now Scottrade wo n't even respond to my complaints. If this is how a business treats customers, well, I will happily take my money elsewhere.
Suntrust Mortgage Took out XXXX payments from my escrow account for my property taxes but my XXXX Property Office only received XXXX Payments. I opened the case with Suntrust to research the issue on XXXX XXXX 2017 and as of today the XXXX payment is still missing out of my Escrow. In the meantime i was contacted via mail that my escrow account is short and the shortage must be paid. I was told that i need to pay extra {$350.00} a month for next 12 months to make up the shortage. 
Therefore not only my escrow account is short of XXXX payment which didnt make it to my Tax collector but I also am forced to pay extra which seems like alot of money to come up on top of the existing mortgage.