WillisBack/dataset-financial-user-claim huggingface dataset:
My daughter called Caine & Weiner on XX/XX/XXXX around XXXX XXXX, acting as me I guess to find info on this. They did not verify info to make sure it was me. they released to her the Creditor and the balance and continued to discuss the file with her. i did not like that this was done. So, I called them on XX/XX/XXXX around XXXX XXXX I then find out and I called them and asked straight off to spoke with a manager or supervisor, i was transferred 2 times. I spoke with a supervisor and off the bat when i explained the issue, he stated they did not have to verify and became combative. I told him before a debt collector gives any info they have to verify info to make sure they are speaking with the correct person. That is FDCPA Law. He stated what info was released to my daughter. I told him the creditor and the balance. he stated they don't have to. I told him i am in collections. He then started to ask me, first party, third party what type am I in. I told him Legal. i work for an XXXX  office, the same as him. He said well then you know. i said yes i do know. I know per FDCPA that you have to verify last 4 of social and date of birth before you speak to anyone to make sure you have the correct person. I told him that i will be reporting this and that the call recordings they have will show that a violation was made. He proceed to tell me their calls maybe recorded. I told him i know all calls are recorded, that is how they can monitor if the collectors stay in compliance to the law. the hole time we were talking he was talking over me. I had told him i was reporting this issue. He did not like my response. There is no telling how many times they have broken the law. I do not appreciate my personal information given to anyone even my daughter. Verifying people is a Key point in a collectors job.
I have had an account with coinbase.com for over a year. I have activated 2-step authentication on the account, which I 'm very familiar with and have used with many other services for many years. I have never had any problems with 2-step verification with any other services. 

With coinbase, my 2-step verification seems to break at random times, locking me out of my account. I even attempted to use the backup master/reset password provided by coinbase to reset my 2-step verification, but this also did not work. 

I 've attempted to contact coinbase support for weeks, with no response from coinbase support. I just want to close my account at this point, but without any help from coinbase, my money is just stuck there.
Trying to connect my bank to app called active hour they are having issue with verifying account using a third party vendor.     We do not have a connection with your bank because the third party bank provider is not seeing able any recent direct deposits, but not because we need a screenshot. Your account was looked at by our team and we were able to see that the issue was the third party provider. There is nothing you and we can do at this point besides wait for our third party provider to fix the issue. : - (
Chase failed to provide compensation for XXXX Class Action Services, amount is {$1700.00}, as indicated in their letter dated XXXX XX/XX/2018. Chase cheated with the settlement, promised by federal court and significantly delay payment so that victims eventually forget such a payment. It is illegal and fake practice by Chase. Chase Rewards, Program Settlement, XXXX. XXXX XXXX, XXXX, RI XXXX.
I go t a Target card wh en I went  XXXX  Friday shoppin g 2016. The gu y at the store must have taken the address off of my license and did n't ask me if it was correct. It was very busy that evening. I noticed I had not received a bill so I called them to take care of it. They sent my card to my soon to b e ex husbands address, which is my old address. He did n't tell me and Target did n't either. I did not have any messages on my phone. When I called to resolve the issue with Target they would not help me they just blamed me for giving the wrong address when I was never asked. I paid the bill that was originally owed based on my receipt. I sent them a letter stating the problem and they keep sending me bills regardless of me telling them I will report them for not even doing a thing to help me. I have NEVER had any complaints about 1 company like this in the past. I just want the Target card cleared and close d. I do n't know that I will shop there again based on this experience. I will tell others of this experience. I think it 's bad customer service because as soon as I realized it I tracked the bill down and payed it.
Ad astra has send a copy of a contract that I have with XXXX XXXX. I did not sign a contract with them and nor do I recall them sending me anything that shows that I havany contractual obligation to pay them. I have send certified letter requesting that Ad astra provide an agreement with XXXX XXXX that grant them the authority to collect on this alleged debt. Also any insurance claims been made by any creditor regarding the account. Verification that this debt was assigned or sold to collector. Documentation showing they are licensed to collect debts in Missouri. Commission for debt collector if collection efforts are successful. I also asked for them to provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. And I also stated in my letter that their claim will not be considered if any portion of the above mentioned was not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Numerous attempts have been made to contact Equifax as well as XXXX XXXX and after my 3rd attempt I am forced to file a complaint. 

Equifax is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily. 

Equifax is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. XXXX and XXXX are showing over 10+ current accounts I maintain as well as displaying the correct information from my XXXX XXXX card. 

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my Equifax score is around 600 with inaccurate information. 

Your help with this matter is much appreciated.
I scheduled my mortgage payment to be taken out of my bank account on   XXXX     I then realized a got paid on the  XXXX  so canceled payment and rescheduled for   XXXX    . They took my payment both days so I called them on Saturday  XX/XX/XXXX    when I noticed to let them know what happened and asked to please refund the second payment the lady apologized and so she could n't put directly back into my account but would send it back to me priority mail right away. After still not receiving refund by Wednesday  XX/XX/XXXX    I called and requested supervisor. She told me refund was not sent and that I need to email them proof that my payment was taken out of my account twice. I told her no one told me I had to do that and was told it would be sent to me right away. I asked her why they could put back into my account t directly and she said because they get fees for that, she did not seem to care about all the fees I got from my bank when my account was put in the negatives. I explained to her that my account is now - {$500.00} and have had other bills scheduled to come out and am now in a very hard situation. I told her I would send her my bank statement immediately and then would like my refund sent next day mail, she told me she ca n't garentee that she could do that today because it was almost the end of her shift.
Due to my profession I have a complete understanding of a simple interest loan. Capital One Auto Finance rules would only allow me to pay exactly one month ahead or principal only payments. As I wanted to pay forward the loan I always made my payments on the due date one month ahead and paid more than the regular payment. The formula to figure the interest portion of my payment is standard on a simple interest loan and when you are paying on time and more than minimum, the interest portion of your payments should steadily decline and certainly should not fluctuate. When I questioned Capital One Auto Finance about this fluctuation they tried to say that it had to do with the # of days in between payments. This will only hold true if you pay sporadically which I did not do. I have since refinanced with another company and am now accurately seeing the dollar day rate go down. In going over my payment history with Capital One it is obvious that they did not accurately use the standard formula, therefore inaccurately charged me on the interest portion of my payment throughout the loan term.
XX/XX/XXXX I'm writing to request this information be removed from my XXXX Credit Report Account. I've been disputing this account since it's been placed on my credit report. 

I lived at XXXX Apartments back in XX/XX/XXXX. When I got ready to move I spoke with XXXX the rental manager at that time. I gave them proper notice before I moved. I also was granted to move before my lease expired. The agreement was for me to clean the apartment and they would keep my deposit and I would not owe the apartment complex any rent. 
This was verbal agreement that XXXX the apartment manager gave me. 
After I'd vacated the premises several months later I started receiving collection notices that I owed {$730.00}. I left voice mail messages to XXXX who was the regional manager, I finally spoke with her and she stated that they kept my deposit, but I still owed money. I disagreed with her regarding any monies owed because what XXXX who was the Manager at the time advised me before I left that I didn't owe the apartment complex any money. I still didn't agree to what had taken place. 
I was still receiving collection notices until I decided to pay this money, because it would affect my credit and me not being able to rent another apartment. 
Before I agreed to pay the collection, I phoned XXXX XXXX   XXXX, I believe I spoke with XXXX XXXX, I wanted to know if I paid this collection would it be deleted off my credit and she advised that it would be in a few months. Well a few months has turned into years. 

I've been disputing this item for several years, and they refused to delete off my XXXX Credit report. I'm writing to your agency to see if this item can be deleted from my report. I've paid the item, but the collection agency didn't remove it like they told me. 

Please review this matter, I look forward to hearing from someone hopefully with good news.
I'm XXXX years old and have XXXX for the third time. I have paid on my school loans for over 25 years. Borrowed a total of {$26000.00} from the government-Texas Guaranteed Student Loan Corporation/now- FFEL loans and at this time still owe over {$83000.00}? I was a XXXX XXXXXXXX for nearly 21 years ( 20 1/2 years ) and was hoping to obtain Public Service Loan Forgiveness ( PSLF ). However, Ed Financial ( my servicer ) is telling me that my loans are not eligible for PSLF due to the type of loans I have ( FFEL ). I retired in XXXX and was told I consolidated my loans back in XXXX. When I originally went back to college in XXXX, they did not have Direct Loans. I am currently working full-time for a private company, XXXX, as a XXXX XXXXXXXX dealing with XXXX XXXX. I was not even informed that I could not retire to obtain PSLF, and had to be still working as a public servant. I'm very frustrated due to the fact I am trying to obtain a USDA home loan and would only qualify for {$140000.00}? due to my student loans. I have excellent credit score. Then I spoke with a company ( not sure of the name ) to reconsolidate my loans for PSLF ; however, would have to pay another 25 years on them ... REALLY! To pay on my student loans for 50 years??? I will probably not even live that much longer, so is there anything I can do at this point?? I think this situation is CRAZY!!!! 
Thanks, XXXX XXXX
I closed my bank account in late 2012. I found out yesterday ( I got a car loan with the same institution ) that my account was never properly closed out and was allowed to receive a deposit XXXX7 months after I thought I had closed it. I was unaware of this deposit because I was under the assumption the account was closed and deactivated. The bank then proceeded to take {$90.00} in fees from the account because it went dormant. When I requested a refund of the fees, I was told that since they sent me electronic statements, I would only get {$10.00} back. This is exactly why I left them in the first place.
I received a letter from Wells Fargo stating that my mortgage acct would be unavailable from XXXX XXXX due to them changing, not closing, my loan number due to new system and increased security. I paid my mortgage as I usually do when it became available again on XXXX XXXX, 2016. A few days later, I was looking at my credit report and noticed that my credit score had dropped. When looking into this, Wells Fargo had reported negative information to XXXX as my mortgage had closed or been transferred/sold. This is now listed as a " closed '' account and also a negative report on XXXX. I contacted Wells Fargo and explained this to them and they asked me to fax them the proof of the negativity, and I did. A few days later I was contacted by them and told they never received it, but I ensured them that I had the fax report that showed they received it. They explained it was the wrong number, even tho it was sent to the number they gave me. They now want me to resubmit to another number and then they will look into it. When contacting them I feel as if I am given the run around and nothing is being resolved. They continue to come up with obstacles to get this " resolved ''. It shows that I have two mortgages with Wells Fargo, one closed on XXXX/XXXX/2016 and one open, and I do not now, and have never had 2 mortgage accounts with Wells Fargo. Please help me get this removed from my credit.
XXXX, WA XXXX Former XX/XX/XXXX I did not live here in 2015 in fact I still lived at XXXX XXXX XXXX XXXX. XXXX XXXX Wa, XXXX XXXX XXXX XXXX XXXX Current Currently the XXXX at XXXX XXXX XXXX   XXXX  XXXX WA Account Number Account Status PAYS_AS_AGREED Available Credit {$2200.00} Reported Balance {$1100.00} Debt-to-Credit Ratio 54 % This is a duplicate account
I initiated the dispute process only to have the reporting time on the items in dispute reset and now listed as " on record '' until  XXXX . This is on some items first incorrectly reported in  XXXX . To top it off the report of the results provided by the credit reporting agency does n't provide a clear and concise description of the findings. Or what changes were made to my report if any. They do n't show me what the details were and what was changed.
XXXX-Navient are reporting ( XXXX ) XXXX-Navient student loans delinquent in error to my XXXX credit profile. I have attached letters dated XXXX XXXX, XXXX and XXXX XXXX, XXXX from NAVIENT regarding the name change and the Federal and Department of Education ( XXXX XXXX ) loans that are currently being reported on my XXXX credit profile for XXXX and XXXX XXXX and XXXX XXXX all are XXXX XXXX student loans before the name change. Please update the reporting of my XXXX XXXX loans on my XXXX credit report to reflect current as they have never been late.
They have SEVERAL addresses in Texas and I have NEVER EVER lived in Texas. They also have my ex-husband 's current address as MINE and again I HAVE NEVER LIVED THERE!
I am unable to pay on my private student loans under the circumstances that I have recently separated from my spouse and now I am taking on more responsibilities as far as carrying on more bills on my own including my XXXX minor children. I was recently in the repayment program but was dropped automatically as soon as I told my loan service provider that I am unable to make any payments at the moment. They told me I have exhausted my deferment and forbearance options and they are unwilling to work with me, stating that I am still responsible for paying a minimum of over $ XXXX monthly. My loans will go into default which in turn can destroy my credit and score. I would like something to be done immediately.
On Monday, XX/XX/XXXX I received a call from Capital One informing me that several authorized users had been added to my account on XX/XX/XXXX. They had wanted to confirm if I had authorized these users and I had informed them that I was unaware anyone was added and that I absolutely did not add anyone. Due to the potential fraudulent situation, Capital One restricted my account so that no unauthorized charges could be made ; I thankfully have not received any fraudulent charges on my account. While Capital One was investigating the issue, they claimed that the people added to my account were in fact legitimately added despite the fact that I, the account owner, told them several times that this was not the case, I never added these ( 4 ) users, and that I did not recognize any of the names. I now have been told that they can not un-restrict my account until they receive the required documentation needed to identify the additional users ( drivers license, SS #, etc. ). To be clear, I never authorized these additional users, I do not want to add these users, they are most likely not real people, and I or the fraudulently added people, will not be sending identification information. 

According to Capital One, my account will remain locked until they get the identification information of the people who were fraudulently added to my account, which will never happen. As a result, my account will remain restricted forever. I have spoken to several people over the past week ( including going to a physical location ) and have not been able to get any farther than this. 

I would like to close my account but i have ~ {$1900.00} in rewards cash that is tied to my card that now inaccessible. I have been informed that there is no way for me to access this cash now. If now close my account, I will forfeit this cash. 

To recap, due to a lapse in Capital One 's fraud prevention, four authorized users were added to my credit card without my knowledge or consent. Capital One 's response was to close my account which will cause me to lose {$1900.00} in cash rewards. This is a lapse in their security that I am paying for.
Assumption : XXXX and XXXX facilitate my Social Security number to collection agencies. 
Explanation : I received a service from a medical clinic last years ( XXXX ), my co-payment some how was not process and the clinic sent my case to a collection agency. Notice that I never shared my SS # with the medical clinic nor with the collection agency. 
Last XXXX 2016 the report showed on my son 's XXXX credit report. At that time, I called the collection agency and inquired on how they reported a service on my son 's credit without his SS # ; when I was the one who received the service? They responded : " We just send the information to the credit reporting agency and they place the inquire on your credit ''. 
I called XXXX, submitted a complain, and the report was removed from my son 's credit report. 
This month XXXX XXXX ), I notice a change on my credit score from XXXX. There was an inquire from the same collection agency on my credit report. 
Question : How is the collection agencies reporting to XXXX and XXXX without SS #? 
How is XXXX and XXXX obtaining information and adding it to credit report without SS #? 
Are XXXX and XXXX randomly adding information to consumer 's credit without SS #? or Are they facilitating SS # to collection agencies to add inquires to consumers report?
Quicken loans or known as XXXX, through hard background pulls, pulled my credit 2x in 2 days which lowered my FICO score by 150 points they claimed that was not possible but hard pulls happened to be the only change and I was STUCK using them bcuz other agencies would only affect in additional negativity on my credit report because of this I was not able to get a conventional loan for which I previously qualified. Of course lies were made promising this would be looked into and corrected but when I pushed for results and correction updates I was told that the only thing they can do IS RERUN my report which would n't help me at all and would most likely make my rate higher ... I was disgusted but unable to do anything ... the option they offered was to refinance in 6mths through them ... this must be stopped they lied az well as raised rates after the facts. I would have sued but they knew I was n't able to afford it after adjusting my fees and constantly changing where money was going to and from ... people should n't feel so hopeless and I was n't able to get them to remove one of the hard pulls asked for help received none
I was charged XXXX in overdrafts even after an XXXX direct deposit was made but not posted until Monday. If the funds are available to me on Saturday then I feel overdrafts should not have been accessed because it brought my balance to a positive balance. They can afford to give money away in sweepstakes why can't they give a break on good customers
I am a REALTOR. I help clients with short sales. In the past we had to have the escrow company prepare a HUD1 to submit with Purchase and Sale to short sale lender. With the new regulation, escrow can no longer prepare the HUD1. I have a short sale offer in place with lender and they will not move it forward to review without a HUD1. They say they are aware of the regulation but they still require HUD1. We have given them the SELLERS 'S ESTIMATED SETTLEMENT STATEMENT but I am told that will not work. This is the first short sale that I have done since the change, not sure if other lenders are doing this.
Dear sir/madam, as I was going through my credit report on Experian and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report
Equifax mishandled my personal information including Name, Social Security Number, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017. Equifax confirmed I was affected by this breach per their " Potential Impact '' site www.equifaxsecurity2017. 

Equifax put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Equifax is further attempting to capitalize on its gross negligence by encouraging injured parties to register for " trial periods '' of their ID protection services, defrauding these injured parties with hidden subscription fees that are imposed after the trial period expires, as well as with terms of service that waive customers ' rights to sue the company for criminal negligence/fraudulent behavior. 

I demand that Equifax rectify its gross negligence through the following actions : 1 ) Permanently waive all fees for placing and removing security freezes on credit reports.
2 ) Issue full refunds to all individuals who purchased security freezes from credit reporting firms following this data breach.
3 ) Permanently waive all fees for placing or removing fraud alerts on credit reports.
4 ) Issue refunds to all individuals who purchased fraud alerts from credit reporting firms following this data breach.
5 ) Enable individuals to place permanent fraud alerts on credit histories at no charge, instead of limiting fraud alerts to 7-year periods.
6 ) Issue unique Personal Identification Numbers ( PINs ) to individuals who request security freezes on credit reports, instead issuing PINS that are actually easily replicated date stamps in the format of MMDDYYXXXX.