WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I a loan with Synchrony bank for furniture in either XXXX or XXXX. Since then we have been paying over XXXX a month and the balance never goes down. I feel that we were misled with deceptive sales tactics and contracts. We have XXXX children and XXXX income now. How is it that we borrowed approximately XXXX three years ago, paid over XXXX a month since then and still owe XXXX?
Applied for loan to attend XXXX XXXX. Had to withdraw because of son 's illness. After showing documentation was assured loan would be forgiven. Has not happened and school has recently gone out of business.
Current representative keeps calling on my cell phone frequently during my work hours while I am being consistent with my payments. Previous representative called the same way but rude and threatened to take legal actions, screaming and arguing with me over the phone.
My Father had just recently passed away on XXXX XXXX, 2016. I contacted the credit card company on XXXX XXXX. My father 's balance owed was only around {$11.00} and i wanted to pay off the balance immediately, close the account so no further transaction could take place. His balance was due on XXXX XXXX. I was told i could not pay off the balance and had to send a letter with his account info so they could verify his passing. I did the next day. I recieved a letter aobut a week later dated XXXX XXXX requesting more information, i called them on XXXX XXXX, they tell me no further information is required. I asked again about paying off the balance, again they said they could not do it over the phone. they said to send in the payment, i asked to verify balance owed, they told they could n't tell me and to send in whatever was shown on the last statement. Last night i went online to my fathers account to confirm what the balance was and to get an address as to where to send it in. The account was still active, no closure, and now is showing late fees and interest charges more than what the orginal balance was owed? Again i contacted them today on XXXX XXXX, now they say want a death certificate. Every time i call i get a different questions and answers. I just want to close this issue, i have no idea what balance i am responsible for? If i pay off the initial balance will they continue to add interest charges and late fees on the interest charges and late fees. This seems deliberate action to do so. All the other credit card companies i contacted closed the account on my first call and allowed me to pay off the balance owed. Deaths are of public record and easily verified for any credit agency. I feel that i am being just strung along to be milked for fees and interest charges. They told me it could take up to three months to close the account.
I am an Identify Theft victim and I was recently forced to hire a company to assist me in removing fraudulent files from my credit reports. 

After a thorough review of my reports, I noticed that Capital One had placed an inquiry to my reports on XXXX. 

After speaking with representatives from XXXX, I was told to notify Capital One in writing and wait for their response. Once I received a response, stating that the inquiry should be removed, I was to forward it to XXXX. This is their procedure for removing a Hard Inquiry. 

I sent a certified letter to Capital One and it was delivered to them on XXXX XXXX, 2015. The letter asked them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. 

On XXXX XXXX, 2015, I received a response from Capital One. However, the letter I received did n't indicate whether I had applied for credit with them. It was informing me of the different types of inquiries, which I already had knowledge of. So, I contacted them by phone and was told that I had multiple accounts with them and one is presently documented as a paid closed account on my credit report. I asked the representative if she could forward me any information regarding these accounts and after nearly XXXX minutes on the phone, she encouraged me to communicate with the credit bureaus. 
I have never had an account with Capital One and I have never applied for credit with Capital One. 

Therefore, I am filing a complaint CFPB, hoping to get a successful resolution of this matter.
I have a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. On XX/XX/2016, I noticed an error on my payment history and it was not resolved until XX/XX/2016.I just check my credit report and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. I have paid this card off fully as agreed to by the credit card company but when I just checked my credit report this is showing as having 90 days past due in XX/XX/2016. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX XXXX at XXXX and they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help in resolving this issue.
I have contacted XXXX XXXX ( Exchange Credit Program ) and submitted letters validating this debt, and documentation that this debt was opened under duress from my ex-husband and that it was assigned to him in the divorce proceedings. I also submitted a cease and desist notice regard inaccurately reporting this information and unfair debt collection as they have garnished over {$5000.00} from my income tax returns and the balance never decreased respectively and I never received notice that this debt was delinquent when they began the garnishment. As it was assigned to my ex-husband and I moved away, I had no knowledge of the accounts delinquent status. I submitted court documents proving he was responsible I even provided his contact and personal information.
Equifax did not have the proper security measures in place and my identity is now part of the public domain. I 've had to put up fraud alerts and everything else to try to make sure my identity is not stolen because of Equifax. Equifax also decided not to report this for several months. Thanks Equifax.
I'm in the market for anew XXXX XXXX so went to see about getting one from XXXX XXXX but did not get approved so I checked my credit report and I see a couple of items that are not mine. I contacted my local police and the FTC. I'm working on my own behalf. I need these items removed from my credit report because this is a complete inconvenience. 01 XXXX XXXX, 07 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
On XXXX XXXX, 2017, Bank of America ( BOA ) automatically charged our credit card account for a credit card payment of {$1600.00} AFTER we paid manually online -- billing us twice. We had made a request for automatic payment a year earlier, and it failed due to an issue with our other bank, and thus we did not have automatic payment set up. <P/>We complained, and the second charge was refunded on XXXX XXXX, 2017. BOA told us that for some reason, the automatic payment process had suddenly activated, thus generating the double billing. BOA claimed that the error with automatic billing was solved. <P/>When we later reviewed our statement, we saw that the amount appeared once again as a charge on XXXX XXXX, 2017. In a call on XXXX XXXX, 2017, XXXX from the Virginia office said that BOA had decided to apply the refunded amount to our current balance when it was originally refunded. They also refunded our other bank account separately. Thus they claim they paid us twice, and had to debit our account once again for {$1600.00} to account for the fact that they had used that amount to pay the past balance. <P/>The amount also improperly generated interest on the account. <P/>The misapplication of the refund to our current balance is a Books and Records violation, as is the failure to have a control in place for double-charging. BOA claimed that they have such a control, and that they " automatically '' refunded the discrepancy, but that did n't occur until we made a complaint and compelled them to acknowledge and correct the error. These lack of controls also allowed interest to be generated on the account during that period. <P/>It is not clear how they improperly activated automatic payment in the first place, and XXXX from the Virginia office refused to address that issue in the XX/XX/XXXX call, saying, " well, however it was done, whether we did it, or you did it, that 's what happened. '' This is after the previous call when another service representative acknowledged BOA had made an error and claimed that they had fixed it.
I received an alert on my XXXX  and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by Capital One on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with Capital One. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from Capital One.
I had a transaction posted to my account on XX/XX/XXXX for {$11.00} and a second posted for {$22.00}. I was charged and overdraft fee for both transactions although there was enough funds for the first transaction. When I called Chased the rep stated, that because it was pending they posted the second transaction first. They refused to reverse the overdraft fee. 
I made another another transaction on XX/XX/XXXX for {$20.00} and {$21.00}. At XXXX on XX/XX/XXXX I made a deposit so I wouldn't be overdraft the next day ; but I woke up to notifications from Chase for two overdraft fees. I called them, and I was told that I had until XXXX to make the deposit. What's the point of this overdraft fee if you can't go until XXXX? It was never like this before. I have used their overdraft numerous times and I was not charged an overdraft fee. Now my account is still overdrawn
They called to inform me that an account of mine had been turned over to them. I was unaware of that being done and when I asked for a letter confirming it they said XXXX was sent out in early XXXX. I never received it. They have contacted me XXXX since then and both times I asked for written verification before agreeing to make payment arrangements. Both times they pretty much refused and the XXXX time I was referred to their website to sign in and see it online but I was unable to login at all after trying several times. The last time I was contacted I told them that until I received written verification I would not make payment arrangements, told them it was my right to do so and they were rude saying things like, " How do we know you will get the letter if you have n't gotten the last XXXX? '' assuming that I was lying about not receiving the first communication. No matter how many times I stated my right they still kept trying to get me to setup payments.
I've deposited {$2000.00} into an account on Coinbase. Two weeks ago I was logging into my account and I wasn't able to log in. I submitted a service ticket. Since then I've submitted close to 50 emails, blog posts and made multiple phone calls. The only thing I've received from them are automated email messages and their phone representatives tell me that the issue has been escalated. I have no visibility to my funds and can not remove them from the market. I've spent countless hours trying to find a way to get their attention only to find thousands of more people that are having similar issues. Coinbase took my money and has charged me plenty fees and now are keeping from my funds. People need to know about this before they invest their hard earned money. The emotional toll that this has taken on me has been severe.
On Thursday, XX/XX/2018, I received a phone call from XXXX XXXX at Williams & Fudge Inc. Williams & Fudge is located at XXXX. XXXX XXXX XXXX XXXX, SC XXXX. 

As of XX/XX/2018, the balance owed was XXXX ( an e-mail message has been attached to show the information regarding this and for contact information ). 

When XXXX calls me, her phone number is displayed as XXXX, however, her direct line is XXXX. 

She was calling me in regard to a private student loan that had been sent to Williams & Fudge to collect on. We had spoken before ( an e-mail message from our first conversation on XX/XX/2018, is attached with her contact information ) and I explained that, due to my current financial situation, I was unable to make larger payments and could only afford to make payments of {$50.00}. Which she made note of and expressed that at least it is an effort to show you are willing to make payments toward bringing the balance down. 

On XX/XX/2018, when she called me, she failed to notify me of the proper disclosures, mainly if the call was being recorded or not. 

As the call continued, she then began to ask me if I had spoken to anyone about receiving any sort of help. I explained that I do not have anyone who can help me financially and unfortunately this was all I was able to do for the moment. She then asked, " What about the house you're living in? It's valued at XXXX XXXX XXXX  XXXX dollars. '' I explained to her that the house I live in belongs to my parents, it is not mine, that is their mortgage and they have a number of their own financial issues. 

I have no legal right to the house I live in. I am not on any agreement, mortgage, deed, etc. and I should not have been told the value of that domicile. She and Williams & Fudge made a direct effort to find the value of my parent 's home and not inform me, or them, that that was taking place.

After her telling me about the value of a home I do not own, we talked more about the account. During the discussion, I felt as thought she was pressuring me to make a decision and to find someone or someway to get the money. She stated at one point that she could guarantee that if I settled the account, they would accept me being responsible for only half of the amount owed. She then made a comment in reference to my payments that would arise from the settlement and being around {$50.00}.

However, at the end of the call, she stated that I would need to start finding a way to resolve this and making larger payments 'for my sake. ' She repeated this phrase several times to me. While not directly threatening me using specific verbiage, it felt and carried all aspects of a threat.
Equifax had a data breach and now they are charging {$30.00} to put a credit freeze on accounts, this is absolutely ridiculous and should n't be allowed! My next step is a lawyer!
I have had a safe deposit box at a local Chase bank for the past three years and based on my interaction with a bank agent today I have to wonder how they are able to function with so much misinformation being spread by their agents. I went to the bank last week and made a partial payment for my safe deposit box and was told I just need to pay the remainder of the cost by the due date which is this coming Saturday. I also learned that in order to qualify for a discount as a Veteran I would need to open a personal checking account, which I did when I made the payment. 
the agent who called today seemed to be clueless about all of this and told me that I do not have a personal checking account with Chase and therefore will have to pay the higher cost. She also told me I would be charged a fee ( she received an email from one of the corporate offices about this ) for not paying the full amount. 
This has got to be stopped and it reminds me of a similar situation two years ago when I cam in and paid the fee with cash and subsequently kept receiving notices telling me I didn't pay the fee. How can a major bank get away with all of this nonsense????
I should n't have to pay for a freeze. This is ridiculous esp. after the XXXX  breach. I just want to protect myself, not make the credit bureaus lots of extra money for XXXX up.
I need GM Financial to provide registration paperwork relating to our leased vehicle. Their phones and websites were closed for a systems upgrade but were supposed to functional on XXXX XXXX. My daughter has been trying to contact them since that date with no website functionality for a duplicate title and no answer tobtheir customer service lines. I took over this project as co-lessee on XXXX XXXX and have tried everything. Our dealer can not even get through to them. I took to XXXX to message GM Financial, but they have only responded with the same XXXX # I have been calling. Their phones are either busy or I get a message saying " due to high call volumes '' they can not take any calls. I have sent another message via XXXX. WHAT I WANT- to fix registration paperwork so my daughter can register her car. Please call or email, or provide a XXXX address ( not PO box ) so I can send a written request and copy in our lawyer. Thank you
On XXXX XXXX, XXXX, I faxed a payoff amount request for Account XXXX. XXXX, XXXX XXXX Property Address ) to M & T Bank. The inquiry was faxed to the payoff fax number listed on my latest statement ( please see attachment ) to M & T Banks XXXX Department. 
In my correspondence ( please see attachment ), I informed M & T Bank that I was requesting the loan payoff amount associated with my loan ( Account No. XXXXX ) ; however, I still have not received any type of response.
XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I went to dietitian XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. On Wednesday, XX/XX/2018 I originally agreed to pre-pay for 3 months/8 visits of dietitian service including blood work and stool tests for a total of {$1500.00}. I have that amount in writing, initialed by Ms. XXXX. My credit limit on the Care Credit card I was going to use was {$1300.00} so I agreed for Ms. XXXX to request a higher credit limit at the office. When my credit limit was raised to {$4000.00}, she decided without notifying me to bill me for {$3000.00}. I was sick and under duress when I signed the agreement, I had never agreed to that amount. She and her office manager intimidated me to the point where I did not have a chance to review what I was signing. I stopped working with the dietitian after the first month but was still billed for services that were not rendered as well as an additional amount of {$1400.00} beyond that agreement. I believe this to be fraud. Once she received the money from Care Credit, she went out of town for 3 weeks and was not available to assist me. I am also filing a separate HIPAA violation as the dietitian released HIPAA protected information to the credit card company as well. I believe she released this personal information to Care Credit in order to damage my reputation. The Care Credit card company will not refund any money even after I filed 2 disputes. After I filed the dispute, XXXX XXXX created a new invoice she calculated to justify the exorbitant charge. The dietitian is using a bait and switch tactic, I believe this is a scam. The dietitian did not render services according to our agreement of {$1500.00}, at minimum I would like to be refunded the additional amount I was over charged, {$1400.00}, and ideally, I would also like to be refunded the amount that I pre-paid for services not rendered in the amount of {$420.00}. The legitimate amount of money owed for services rendered is {$1100.00}. I would like my money to be refunded. Care Credit is now holding me responsible for {$3000.00}.
I was enrolled as a full-time student earning my XXXX. at the XXXX XXXX XXXX  for 8 years. I borrowed $ XXXX in Federal student loans. I have worked for non-profit safety-net health facilities and medical schools since XX/XX/XXXX. I transferred and consolidated my loans in the XXXX XXXX XXXX XXXX XXXX as soon as I found out about the program, approx XX/XX/XXXX. My lender was AES in PA. In XX/XX/XXXX my debt transferred to XXXX. My payments were often beyond what I could afford, I asked for forbearance or deferment several times over the years. I have been paying between {$170.00} and currently {$650.00} a month for my student loans since XX/XX/XXXX. I now discover that I HAVE ONLY MADE 3 QUALIFYING PAYMENTS toward the 120 payments required for loan forgiveness. This is a bait and switch and a slap in the face. If this program is intended to reward public service, it is a failure. If this is intended to assist those who choose public service, it is a failure. Someone, I don't know who is profiting GREATLY from my payments and in exchange, I am receiving nothing. There is no appeals process and no room for renegotiation. It would be reasonable to examine how much I would have paid under the " correct '' type of consolidation compared to how much I have paid and tell me the difference, if any, in order to pay the required amount to qualify for forgiveness. The Employment certification form OMB no. XXXX exp Date XX/XX/XXXX states that 4 different repayment plans [ REPAYE ; PAYE ; IBR or ICR ] qualify for this program which is also confusing.Becuase I am being told that only IBR qualifies?! As it stands I have probably paid back $ XXXX of the original $ XXXX but I am being given credit for less than $ XXXX in qualifying payments! My balance owed on these loans is about $ XXXX. Their horrendous customer service is motivating me to see how I can pay this off and prevent them from making any more money off of me. This is my second largest bill every month and I am treated like a thief when I call them. I don't know if it makes sense for me to stay with this program or perhaps I should just try to get a lower monthly payment with one of their other payment plans and forget forgiveness, although it appears the others DO qualify, despite what I am being told? I need an advocate to help me understand this and fight for me but I doubt one lawyer would stand a chance. Thank you.