WillisBack/dataset-financial-user-claim huggingface dataset:
We turned in a boat to BB & T in XX/XX/XXXX because we could no longer afford it due to my husband losing his job and having a rental property that had renters that would not pay their rent. I contacted the bank and told them of what we were going through and they said I could give back the boat and they would auction it off. However, the amount they are charging us is the full amount of the boat loan. We have paid {$500.00} per month for eight years and have paid more than {$48000.00} for a boat we have not had since XX/XX/XXXX. The collection company we have our payment set up through is XXXX XXXX XXXX and they originally set up our pay back in XX/XX/XXXX in the amount of {$64000.00}. They put a Judgement against us in XXXX for non payment. Again, my husband was laid off, we lost our house, yet we tried to keep making our payments on this boat but could not be consistent for a few months till my husband got another job. We once again signed another agreement to make payments and have been for over a year and yet the civil action is sitting on my credit report as if we have not been paying on time again for the past 12 months. I need this off my report since we are in good standing even though they are completely taking advantage of us and have ruined our lives with this outrageous payback for a boat they sold and I never got to see the amount they sold it for. Clearly they did not sell a {$100000.00} boat for {$20000.00} but no one will show me those figures. Please remove the Civil action from my credit report. I have called BB & T and spoke to three people in their collections/Recovery Department and they said they did not put this civil action on my report. I then spoke to three separate people, two being managers, at XXXX XXXX XXXX and they said they did not put this on my report. Someone put the civil action on my report and it needs to be removed since we are in good standing for over a year even with me losing everything to try and make good on this account. The last person I spoke to, XXXX XXXX, Supervisor, at XXXX XXXX XXXX, and said she would contact the attorny 's office at BB & T that I had spoken to and work through the situation and call me back. This was XX/XX/XXXX and after speaking to at least six people between the two companies and spending over two hours on the phone, I have not heard back from anyone nor has the problem been resolved. Please contact me at XXXX or XXXX to let me know this has been removed from my credit. Thank you. 

XXXX XXXX The account number with BB & T is XXXX
On XXXX/XXXX/2016 I requested a freeze on my Equifax credit file over the automated line XXXX. 
The freeze request was accepted. A letter was to follow with my XXXXdigit pin number. 
Over one month later nothing has been received. Equifax has my correct mailing address as I have recently received mail from them. So now I am locked out of my Equifax credit file. 
There is no person customer service number for Equifax.
On XXXX the XXXX XXXX I switch services from XXXX XXXX to XXXX I called XXXX XXXX to let them know to cancel my services the lady on the phone stated that she ca n't cancel she can only suspend the account because they show that XXXX is trying to transfer my number to my XXXX phone. I told her that that should not show because I am keeping the phone number assigned from XXXX. I ask her since she could n't cancel only suspend the account will I continue to get charged. She answered no. So I said ok waiting for my final bill. Since then I receive three different bills from XXXX XXXX with different amounts. One dated XXXX XXXX XXXX for XXXX. Then I got a collection letter from convergent dated XXXX which I did n't receive until XXXX XXXX XXXX showing a balance of XXXX. Then I received another bill from XXXX claiming i now owe XXXX. My account should have been cancelled when i called and told them i switched to XXXX that was in the beginning of XXXX. So why ido i have all of these different amounts. This account is in dispute until XXXX  can explain why i was still getting charged for services that u should have canceled immediately when i called.
Being billed for merchandise on Amazon credit card that was previously refunded. Charge appeared XXXX/XXXX/2015. Had previously complained to CFPB when Amazon indicated they would rebill and Synchrony Bank indicated credit on account was permanent. This was not the case.
XXXX has automatically enrolled my card to " protection '' that charges XXXX dollars a month. I never signed up for this protection. After research o came across many people having this issue. Apparently XXXX is automatically signing you up for a protection. I came across it as I asked my self why my bill has not lowered that's when I noticed the fee. I've payed more for that " protection '' than what I actually owed. XXXX dollars. Since XX/XX/2009 I never actually checked because I trusted to just be paying the minimum. I called the card protection and cancelled, but XXXX   should not be doing that, they should be giving the money back at least a percentage of it.
Lustig, Grayson and Wilson leaves a recorded message on my telephone twice a week saying to call them to discuss my account. I do not have any outstanding debt, I have seen all XXXX of my credit reports stating this. I have been advised by the Massachusetts Attorney General 's Office to not call these people. I would like them to stop calling and leaving their messages.
JP Recovery Services contacted my XXXX XXXX XXXX in laws my husbands employer my XXXX sister and my daughter regarding a debt with a local hospital that I had a payment plan with - their unethical practices including telling my I laws and my husband employer that they were going to show up with documents - when I tried to contact them they refused to give their company name and at a second attempt I was put on hold and then sent to voice mail
I sent a letter to transunion saying that the company collection XXXX has not verified or validated my debt. So I sent a letter Transunion to remove coll recv sv tradelines. Transunion has declined to do so.
I made a P2P transfer from my CapitalOne360 checking account, using an option available on their online banking website. CapitalOne360 asked me to provide the recipient 's email ID ( and, that 's all! ) : the way it works is, according to them, the money will be transferred through " XXXX '' network and will be immediately deposited to the account connected with the email ID I gave. The intended recipient has an account with XXXX XXXX XXXX, and the email ID I entered is connected to that account. 

I made a transfer of XXXX dollars on XX/XX/XXXX. The money never reached the intended recipient 's account. He and I made a conference call with XXXX XXXX XXXX, they verified the email in fact is linked to his account, but no money ever reached XXXX. 

I called CapitalOne 360, escalated the complaint. But, I am told the terms of service I agreed was such that CapitalOne 360 is not responsible for any loss and that I should talk to the XXXX network that performs the transfer in the back-end. I called them, they said I am not their direct customer and that they can not help me. 

Now, I lost my money to some netherworld and CapitalOne blames me for using a standard P2P option available on their official e-banking site. They are not even willing to help me, bluntly saying the money should have reached the recipient or I should have already got my money bounced back. I asked them to give me the details of the recipient who actually got the money, since the intended recipient did not. They say, privacy rules do n't permit them. The CapitalOne360 senior agent to whom I escalated the complaint over the phone declined to give me a complaint reference number, saying complaints are identified by time stamp. 

This is my apartment rent payment due to the landlord. It should have reached him latest by XX/XX/XXXX. Now I am a defaulter. 

The intended recipient is XXXX XXXX ( XXXXXXXXXXXX ). This is exactly the email ID I used for the transfer. His phone number is XX/XX/XXXX. 

What are my options? Kindly help me!
Capital one 's executive/fraud protection provides horrible service and inadequate protection for consumers. I have applied for XXXX credit limit increases and due to a fraud alert that is on my CBR, they have to call me to verify my identity. Their practices are antiquated and are not designed to protect the customer, but rather to discriminate and cause the customer undue hardship. They literally have it set up to call me once a day at the times I work. Due to me being unavailable at the time, they leave XXXX message, if they leave a message at all, explaining XXXX. I ca n't call them back to return the missed call, they ca n't call me when I am available, everything is centered around inconvenience and rude team members. I have taken this same complaint all the way to Capital one 's executive team last year in XXXX. I spoke with a nasty rude account executive and now I feel like Capital one is holding me hostage. I just have to take their subpar service and their is n't anything I can do about. At this point their practice needs to be investigated and changed. Clearly, they wo n't listen until a complaint like this is filed. I have attached a facebook conversation with capital one regarding this issue. Clearly they do n't care
Debt was told t o NCB Management , I settled with them, they are reporting on my credit report as a collection account event though they do not have a contract with me. I have asked them to remove it from my credit report, I agreed to pay the settled amount. I have no obligation to  NCB  there is no contract.  XXXX  wrote this off and sold the debt. but  NCB  was constantly calling me at home and at work and I did n't know my rights and agreed upon a settlement because I was trying to get my credit back on track after getting behind due to some medical bills and did n't want them to keep calling my place of employment. This debt settlement will be paid in full in  XXXX .
There has been several disputes submitted online and written to have inquiries removed, resulting in nothing being removed and Transunion stating they have been verified. i would like to be provided with the proof of verification as I do not recall authorizing these hard inquiries on my credit report. Under the Fair Credit Reporting Act, noone can request my credit reports without my permission. I would like to be shown proof that I in fact authorized these inquiries, or please remove from my credit files.
The monthly amount due on my credit card is inconsistent. My monthly statement gives XXXX amount. The online banking alert of credit card payment due ( an email from them ) gives a different amount. I 've contacted them several times to correct this, but the problem still remains. The final straw was this evening when I called again, and politely but pointedly asked for some action to be taken. I was transferred to another department which had already closed for the day. A horrible way to treat a customer.
Hey there, I have XXXX Premier Rewards Visa Signature card which has {$75.00} annual fee. I am paying for the annual fee because I like XXXX of the benefits called " bonus award night '' which you pay the points of XXXX night for XXXX. However, they suddenly announces recently that that benefit will be removed soon. The agreement we signed up for CLEARLY SAYS GET THAT XXXX free night AFTER PAYING THE {$75.00} FEE. They dont live up to their terms & conditions and annual fee should be refunded.
XXXX XXXX offers you deals on combos helping with your advertise on line what they don't tell you is that their costume account representatives are very poorly trained and do not ever and i mean ever get back to you for resolutions I wanted to cancel cause their services online are very poorly managed but they would not give me a cancellation they literary make you force you to keep the membership by not getting back to you so you have to keep paying for the services I called and told them various times that I could not afford their fees they responded by telling me someone would they never did and than they would brush it to the side while they keep adding more debt to my account that i have ask over and over and over to cancel now they hire a firm to threat me by saying that if i do not pay they will cease my house my garnishments and take money out my account it is not fair hat as a client they did not tried to work with me but they are really good at taking advantage of small business like me and collecting what they never really performed well at all.I know I not the only business that feels this way they were horrible on keeping my XXXX XXXX  updated and i never ever got reports on the so called website they keep charging XXXX dollars a month plus they charge me XXXX for their so called search engine services. XXXX XXXX has been around for years but when it come to internet services they have very poor work ethics and no common sense or experience i feel very empathetic to the people that work in their company that are good people they get a bad review because of the way XXXX XXXX internet services are manage.
Elite Financial has contacted myself and my fiance several times over the last several months. They will not verify who they are calling from until they are asked MANY times, even after verifying for them that they are speaking to the individual they called for. They are automatically rude and threatening when it comes to any kind of resolution. I have been told multiple times I would receive paperwork/notice in the mail about the debt and how to settle it. Have received nothing at all. After telling them I would not settle the balance without further information they have continued to call my cell phone, but hang up when I answer, and they still continue to call my fiances phone, but will not give him any clear answers. They have threatened to take action on both mine and his credit if we do not resolve the debt.
I applied for a loan modification for a loan that I have with Bank of America that I originally was obtained through Bank of America. I started this process in XXXX 2015. I finally was sent to underwriting and was declined ( of course ) on XXXX XXXX, 2015. I filed an appeal on XXXX XXXX, 2015, but only received letters and correspondence stating " We require additional processing time to review your appeal ''. When I contacted the author of the letter today, XXXX XXXX, he told me that it was past the appeal processing time as I had not submitted the supporting documentation. He gave me conflicting information as to was I was denied my modification and the appeal. I was initially told that I made too much money for this modification. Today I was told I did not make enough money. I questioned further and this supposed calculation was without the requested loan modification. He said I did not send in supporting documentation, but I have not been asked to submit supporting documentation. This process has become so convoluted, that each " Home Loan Team member '' does not know what each other has been doing and I believe that Bank of America has been making this process so difficult in order to make it impossible for me to keep my property. I can not get a lower interest rate for this loan and now I have been told that I can not get a loan modification. This loan was originated by Countrywide Home Loans and I believe that this was a predatory loan. I have contacted the funding company, who is Bank XXXX XXXX which this was never disclosed to me XXXX. It appears that Bank of America would rather keep the extra {$500.00} per month that I believe I am entitled to in order to keep my property. This loan was funded before interest rates decreased : 7.12 % and I have been trying for years to refinance and now modify without success and have been given numerous reasons during these processes. I do not want to lose this property and have done everything that I can to keep up on the payments. Please help me.
I have asked United Revenue to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
On XX/XX/2017, Equifax discovered a security breach involving extremely sensitive, personal identification information of millions of Americans, including social security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers. I was one of the persons affected. 

While Equifax is indeed a victim of this attack as well, I find it unacceptable that Equifax waited more than a month to inform the public of this breach. This gave the criminals far too long to exploit the information that they stole. They should have acted as soon as possible to inform the millions of other victims of this attack. 

Further, Equifax has set up a system to offer a free credit monitoring service for those affected. Unfortunately they are tying such an offer with a requirement to settle any disputes with them in arbitration, rather than the courts. Having a day in court to settle grievances is a fundamental right of every American. I believe that this is a tactic that Equifax is using to limit their liability and/or to limit the amount of monetary penalties that they must pay for any wrongdoing that future lawsuits may find that they are responsible for. 

Finally, I wonder how such a breach occurred, what could have been done to prevent it, and whether or not Equifax did take every reasonable precaution to prevent these sorts of attacks. I believe that an investigation should be conducted by law enforcement or lawmaking bodies such as Congress to determine the answers to these questions.
I have been attempting to make a payment on my loan through XXXX XXXX   since XX/XX/XXXX and the website will not allow me to make a payment. Their new website is not functional and despite several messages to the company, I have not gotten a response or a solution. 

The company is aware of this problem per their XXXX page, but they have claimed the problem is fixed, despite many other consumers posting that they are still not able to make payments. 

Additionally, I was forced to apply via mail ( because the website would not give me an option to sign up online ) for automatic monthly payments. However, on XX/XX/XXXX I was sent an online message from XXXX with the subject line : " You Aren't Eligible for Direct Debit Payments '' with the following reasoning : " Your loans have not entered repayment. '' However, at the time my loans were in the grace period but I was still being charged interest even during the 6 months of grace. Despite being charged interest already, XXXX XXXX would not allow me to start direct debit payments, forcing me to incur interest without a making payments to prevent it. 

Additionally, because my first application was denied due to my loans being in grace, I can not apply online for automatic payments still to this day. This has made it frustrating and impossible at times ( like when their site is down ) to get my loans paid in a timely manner. I can submit another paper application, but I do not think it should be this hard to simply pay my student loans back.
I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Experian are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
1 ) Institution Information XXXX XXXX XX/XX/XXXX XXXX, IL XXXX ( XXXX ) XXXX I submitted an application online for a vehicle and never received a call back or any update, but i see that they have ran my credit. 

2 ) Institution Information Credit Info XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX I'm not even sure what this is. 

3 ) Institution Information XXXX XX/XX/XXXX XXXX, WA XXXX ( XXXX ) XXXX I did not even qualify for the phone.
This information is incorrectly reporting on my credit reports. These items were previously deleted as I am no longer responsible for them and they reappeared on my credit reports, which is negatively affecting me UNDER A DIFFERENT COLLECTION AGENCY. THESE ARE MEDICAL BILLS AND THEY ARE IN VIOLATION OF HIPPA. THESE ACCOUNTS PREVIOUSLY WERE REPORTED UNDER GREATER XXXX EMERGENCY. 

XXXX COLLECTIONS {$270.00} XXXX COLLECTIONS {$350.00} XXXX COLLECTIONS {$420.00}
My wife and I became behind about a year ago due to loss of income. In XXXX of this year Chase offered us a repayment plan based on both mine and my wife 's income. Unfortunately, circumstances changed again due to my wife losing that job and we could not take the repayment plan. I called Chase on XXXX/XXXX/16 to find out if we have time to submit a loan modification package before the sale date of XXXX/XXXX/16. The agent advised me that if we submit a complete package 7 days prior to the scheduled sale date they will postpone the sale date until they review the package and make a decision. So I collected all the documents I was told to send and faxed them to Chase on XXXX/XXXX/2016. I called on XXXX/XXXX/16 and an agent by the name of XXXX said she found the documents faxed and the sale date is in the process of being postponed. She advised me to call back today XXXX/XXXX/16 to make sure it was postponed. When I called today and spoke to an agent name XXXX, she was really short with me and said she does n't see documents and the sale date is not being postponed. I immediately requested a manager and I got XXXX XXXX on the phone. He started reading the account notes aloud to me and stated that as of the XXXX/XXXX/16 the notes say they received documents however the modification dept denied the request to even review for assistance because it is not within 7 days of the sale date. I then tell him that it wrong because the sale date is on XXXX/XXXX/16 and that note was put there 11 days before the sale date. He immediately realized his mistake by reading the notes aloud and was stuttering. He then began to blame it on the investor which is FHA. I said to him did FHA deny the request, he said no because they never even saw it since Chase denied it. I told him that Chase told me I have 7 days to submit before the sale date and his notes confirmed it. He said there is nothing he can do. I feel like I 'm being discriminated against specifically on my loan. Chase over and over again stated that they are willing to postpone sale dates if a loss mitigation package is submitted 7 days prior to the sale date and I submitted 12 days prior and they are confirming they received package on XXXX/XXXX/16 but lying and saying it 's not within 7 days to so they can take the home instead of help me. Please, please look into this matter and help. There was other options available to me but Chase lied to me and now the window for those options is not available. They did this on purpose and the notes in their system prove it.
These inquiry accounts were disputed on XXXX. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX