WillisBack/dataset-financial-user-claim huggingface dataset:
I am a single mother raising a XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this my XXXX and I have no future because we can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.
On XX/XX/2018, I was notified via email that my dispute was complete. Upon receiving notice, I went online to view the dispute using my Mobile device, at first I was able to log in with no issues, and verify the security questions with no problem. Once I got inside, I attempted to view it the results on a desktop and was given an error message. I contacted Equifax by chat and was given a phone number to call to report the issue. Once I called, the representative I spoke with was very rude, aggressive and unprofessional. The representative ignored my reasons for the call and began to talk about other issues with my credit. When I informed him of the original reason for my call he told me there was nothing he could do and to deal with it. I requested to speak with a manager or supervisor but was told he could not help me with that either. I find this very disturbing that a company that handles such sensitive information would allow their employees to speak with customers in this manner. I think there should be a way for consumers to feel not only safe, but confident when dealing with such larger bureau such as Equifax, especially after the recent data breach. How can consumer ensure their confidentially information is safe when this company allows this type of behavior?
On XXXX XXXX I responded to a PNC promotion called " {$30.00} for 15 minutes '' here : https : //www.pnc.com/XXXX XXXX  On XXXX XXXX I received a call from XXXX XXXX. We set up an appointment for XXXX XXXX at XXXX. I mention the promotion, she is not familiar with it, so I email the link to her. I never receive a reply. 

On XXXX XXXX at XXXX, while I am stuck in traffic driving to this appointment, I receive a call from XXXX to tell me that they have cancelled the {$30.00} promotion early and wo n't be honoring it. I cancel our meeting.
Hello! I had a federal student loan ( XXXX ) and consolidated them in 2005. My balance at the time was close to {$31000.00}. I have been making regular payments since that time and my debt has only gone down to roughly {$27000.00}. I pay between {$9000.00} and {$11000.00} a year in finance charges and am having difficulty paying it off. I have called numerous times to try and lower my interest rate but I missed a payment back when I combined the loans and they said it disqualified me from the interest reduction. I also can not transfer it to a lower interest rate. I am currently paying 6.75 % interest. In the past, I have called for different payment options to pay it off faster and they directed me to the graduated plan. I recently called for loan forgiveness and AES said that I have to pay {$250.00} for the next 11 years and that is their loan forgiveness program. I have already been paying for 11 years. I had XXXX then transferred to XXXX and then XXXX and then they sold me to AES. Thank you for any guidance.
Shellpoint Mortgage has reported a false information to us about a foreclosure sale date. They told us that there is a sale date on the property, but there is none. We have submitted an offer for a short sale and they advised us that because of the foreclosure sale date on XXXX/XXXX/2016 they can not review the offer, but we have called and they advised us that there is NO SALE DATE. I do not know why they would lie to us about something so important as sale date. The buyer is willing to pay what what the investor is looking for, but they gave us wrong information. PLEASE HELP US
Portfolio Recovery is contacting my work at least 3 times weekly even after I have asked them not to. I dont have any money owed to anyone. I pay my bills. However this company continues to contact my employer, harassing me and embarrassing me.
On XX/XX/2018 I received a mobile call from a company called XXXX XXXX XXXX XXXX, of whom shared via recorded line that because of my on time payments, but high interest has not been reduced, they are calling to help me reduce my credit cards to little as 6.9 to 7.4 %. I thought it sounds great. XXXX XXXX XXXX ask of debt amount total on all cards, ask for my bank info to make them payments of {$790.00} broken up in 4 payments of {$150.00} each. XXXX XXXX XXXX XXXX said that Capital One will lower my interest to 7.4 % but you have to say you are in distress. I said will I am not I am buying a home and if this will cause a credit pull I can't go through with it or it can deny my loan. I was told that it is fine. So XXXX XXXX XXXX  called Capital One ( XXXX  ) XXXX and XXXX XXXX XXXX  told me what to say and told me what Capital One would say. So I did not really being clear of what is going on. Capital One did exactly what XXXX XXXX XXXX XXXX said. I hung the phone up called my load officer told them what happened and they advised me not to do that or will deny my loan because that means that I am in distress and can't pay bills. Now I have never missed a payment accept for a day late for forgetting the due date. I told ask capital one if they can cancel that agreement of which I never signed for. Everything was verbal with capital one except email with XXXX XXXX XXXX. I told Capital One I am not in distress I am just making minimum payments at this time for a while because I am saving for my closing afterwards I will pay them off. Capital One denied my request the same day made after I called and spoke with up to 4 managers begging them to cancel that and I was willing to continue what I had. Capital One says to me well it looks like you are in distress because of low funds in account and minimum payments made. I begged them that I did not fulling understand what I was agreeing to I apologize, please allow me to continue my relationship. I do not want to lose my marriage over this nor the home that is in the process of being built for my family. Please, please, please..in tears ... They said I am sorry, but told me that I can not cancel it and I can continue to make my payments on time until it paid in full without interest for 60 months then the account will close and I can not reapply. I said I am begging you to cancel that agreement. They would not. I am reaching out for some help and consideration for my mistake, I want to keep my account with capital one. Or at least not mark my account as denied for distress.
I tried to submit a teacher loan forgiveness application and they lost my application. I submitted the application again after talking to XXXX people at Nelnet. Then when I called back to check on the status they told me that I needed to submit another form for a different school that I worked at. I had already called previously and asked if I needed to submit any other papers and they told me " no ''. Therefore, I have been paying my loan for 5 months and it should be forgiven. I am still paying my loan because I have to wait for them to approve the new forgiveness paperwork.
I applied for credit and was declined but never received a letter of declination. I did complete and online application and waited more than 20 days for a credit decision to be made when they state much faster review times on their website.
Bank of America received a request to place a levy on my bank accounts, so they did. According to Virginia law, certain payments are exempt from garnishment and levy, which includes child support payments. I informed both the collection company and Bank of America that my child support payments are exempt, but Bank of America refused to release the hold on my support payments, which were being direct-deposited. I contacted the court and filed a " Notice of Exemption Claim '', reiterating that these funds are exempt. A copy of my claim was also sent to the attorney. A day after the notice was filed, Bank of America released exempt funds to the attorney.
I happened to look on Maryland case search website and saw that XXXX XXXX XXXX has filed a lawsuit against me. I never received any notification in the mail to giving me the option to dispute the debt. I looked XXXX XXXX XXXX up on the NMLS website and it shows that their license expired in 2017. Collection agencies are supposed to be licensed in my state to collect and they must notify me in writing giving me the option to validate the debt and that was taken away from me. They are also on my credit report.
Case number : XXXX followed the correct measures and filed my complaint. The collection agency ( Enhanced Recovery Company , LLC ) admitted they had the wrong data and would close the collection account on XXXX XXXX, 2015. 

Now, two months later it still shows as a derogatory item on my credit scores ( all XXXX bureaus ) and it seems that Enhanced Recovery did not follow though with their promise to remove this negative item from my file. 

They never provided me with any information or account # 's in their initial contact with me. This company is extremely unprofessional and are abusing their abilities to ruin people 's credit. 

They have not followed through with their promise to remove this from my credit file.
I had a kohls card that is now closed which was agreed on a buyout and I recently was on my XXXX XXXX and noticed it saying it was closed and is possibly building $ unsure what exactly going on there since it was all paid up however it was all agreed upon with a one time fee which I had paid and all was gon na come off my account. For some odd reason it is still showing on my credit parts from XXXX. I just want it settled and updated for XXXX that I do not owe anything since It was settled between myself and customer service.
I wrote Moneygram in XXXX, MN. on XX/XX/2018. This concerned check No. XXXX, which was from a closed account at XXXX XXXX XXXX. In various e-mails with Moneygram, an e-mail from the Auditor, Resolution Assurance Dept. of Moneygram International on XX/XX/2018 advised they were working on obtaining a new check for me. However, I have e-mailed several times since, and have not had a reply or check delivered. 
This was their case # XXXX. 
Please see if you can have Moneygram issue me a new check. Thank you.
On XX/XX/XXXX, I received notification from my Mortgage Company and received a copy of my XXXX Credit Report, which determined that XXXX XXXX XXXX XXXX placed their credit transaction of {$1500.00} back on my credit report as of XX/XX/XXXX. 

This debt was discharged in my Chapter XXXX bankruptcy in XX/XX/XXXX and should not be reporting on my credit report. I have talked with the creditor who advises that this should not be on my report, but it somehow reporting.
I have submitted a dispute to TransUnion regarding duplicate accounts on my credit report. 
XXXX is listed on my credit report twice. Please advise why the same information is on my account twice and lists the same information.
This is regarding the Premium Car Rental Protection offered by American Express as an optional benefit for their cards. The dispute is with regards to incorrectly applying the charge for the premium for this benefit to a credit card which I had signed up for recently BUT HAD NOT enrolled for the Premium Car Rental Protection. Following are the details. 

I completed a car rental at XXXX on XXXX XXXX, XXXX and on XXXX XXXX, I saw a charge in my credit card account for {$24.00} from Amex for Premium Car Rental Protection. I did not recognize that charge as I had not signed up for this car rental protection and immediately filed a dispute for the charge Amex Dispute Reference Number : XXXX. On XXXX XXXX, I received a letter from Amex about the dispute resolution and in the letter it stated that the charge is valid since I had signed up my card account for the Premium Car Rental Protection service in XXXX XXXX and hence the charge will stay. I agree that I had signed up for this benefit in XXXX for the other American Express credit cards that I had. However, the credit card in question, I applied for this card in XXXX XXXX and had not consented to be enrolled in the Premium Car Rental Protection. Being a new card account, there was no reason for me to suspect that American Express would enroll my card in this benefit without specifically asking for my consent or even informing me about it. However, they did and then when I used the card for the car rental, they charged me for the benefit. This does not seem fair and I feel American Express is using my consent from XXXX ( which I had given for other card accounts ) incorrectly and applying it to a new account incorrectly. On top of that, they are unwilling to make it right and even after 2 disputes filed, multiple phone calls with AmEx representatives and the Premium Car Rental Protection department, they refuse to make it right. This practice by  American Express to enroll the customer 's accounts for a charged benefit unbeknownst to the customer is very deceptive and shady.
I have filed several complaints to this company and they insist on charging the wrong amount. It 's a healthcare debt for which my insurance has guaranteed I do not owe as much as the debt collection agency says I owe. The debt collection agency says the health insurance does n't cover it, which does n't make sense because the health insurance says that I do. I am unsure what road I should take now
On XX/XX/XXXX, I received a letter from NCS ( National Credit Services-a contracted collection agency ),  stating that my wages would be garnished if I didn't make an agreement with them within 30 days. I tried calling several times. They are closed after XXXX. I finally got ahold of them at XXXX one day and set up an agreement to pay {$14.00} with the understanding that I would get back with them about additional medical bills that were weighing heavy on me from an injury I received in XXXX which resulted in XXXX and some time off work. After finding that I owed 4 or 5 providers and that it would become too difficult to create a 'statement ', I got back with them letting them know that I would take the larger amount regardless of the additional medical bills. 
I thought that when I had made and agreement with them on XX/XX/XXXX, that all was good to go, we would start the rehabilitiation program and I would start to feel relief about this debt hanging over my head. They took a payment from my account on XX/XX/XXXX and another out of my account on XX/XX/XXXX. I thought everything was good. And then on XX/XX/XXXX, I was informed by our Human Resources person that my wages would be garnished {$200.00}. When I phoned them today, they gave many excuses for this action : 1. It was over 30 days from XX/XX/XXXX 2. My pay stubs were not dated properly 3. They said they tried to phone me, but I do not answer my phone on work hours and they never left a message. 
I was totally under the impression that all was good and that my rehabilitation agreement would ensure that I would not have my wages garnished. I neither heard nor understand that when I spoke with XXXX on XX/XX/XXXX, that my wages would be garnished. 
All or most of the communication I had with them was pushy and 'urgent '. It was very stressful and difficult. 
Now, I have to make the rehabilitation agreement AND they are taking the garnishment. This is unfair, dishonest and unethical.
I already have a complaint filed XXXX. However the person at Wells Fargo who is assigned to handle my complaint knows absolutely nothing about the HAMP program and how it works. She should not be in her position. Her name is XXXX and the phone number I was given for her direct line is XXXX Ext XXXX. She is incompetent and is also refusing to give me timely information. I am requesting a copy of my specific lenders guidelines on a HAMP modification, A copy of a phone call made on my behalf on XX/XX/XXXX, Also a copy of HAMP rules stating the number of modifications, forebearances, and repayment plans allowed to an individual. I am also requesting that if these can not be given to me within 48 hours ( by Wednesday XX/XX/XXXX ) I am requesting a postponement on my foreclosure sale. I have been told so many different things and been lied to by my lender. I want all of the rules in writing this time.
I was involved in a auto accident in 2015 where I was hit by a impaired driver.During the lawsuit I had to get Medical treatment from different doctors, and after we came to a settlement, my attorney advised me that all my medical bills before and after my accident needed to be paid and the 2 accounts that XXXX XXXX have has already been paid via my attorney @ XXXX and XXXX in XXXX FL. Whatever my insurance did n't cover the insurance money covered.Company needs to investigate and remove from my credit report
I had a credit card I received at Capital One 's solicitation and had it for at least 2 years, with no late payments. In those 2 years they gave me automatic credit increases that I did not request. In XX/XX/2016, I received a vague letter from them stating they were closing my account. I inquired of their customer service department and their executive office numnerous times for a clear reason to no avail ; they closed the account. Several weeks later, I received another solicitation to apply for the same Platinum card and I applied. In XX/XX/2016, I was asked to send a copy of my social security card, a copy of a bill and a personal identification and I complied. A representative called me several days later to explain that I was approved for another Platinum card with a credit limit of {$2000.00}. After this approval, I received two additional solicitations to apply for the Platinum card yet again. On XX/XX/2016, I received a letter from XXXX. of Capital One ( letter dated XX/XX/2016 ) stating that the new Capital One card was cancelled for the same reason, I would like like for Capital One to keep one of the cards open since I constantly receive solicitations and approvals from them. If they can continue to send solicitations, and add to my credit inquiries, they should at least honor the agreement, especially since they were the ones who solicited my business on multiple occasions. I do not want to hear about internal controls not in place or excuses. I think it is time Capital One honored me as a consumer. I have all copies of letters and solicitations from Capital One if you require it.
on XXXX XXXX, 2014 the XXXX transferred the sum of XXXX XXXX. The rate at that time was {$1.00}. I should have received {$66000.00} but only received {$65000.00}. Unfortunately the transfer went through Citibank which added extra transfer fees even though the XXXX insists that they did not use an intermediary bank. I had an account with XXXX, an international bank. Because of Citibank, there was a minus {$1800.00} in funds expected by me
I have recently tried to obtain a few new secured credit cards. For all of them, I received letters in the mail saying that my applications were pending due to being unable to contact me regarding a security freeze on my credit. The phone number listed in the consumer statement is one I have not used in over 10 years - which is how I know this freeze could n't possibly have been initiated by me. In fact I only remembered the number once I saw it in these letters from the creditors.
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Several other applications were denied based on the creditors ' inability to get in touch with me at the number listed on the consumer statement.
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So now I have several points off my credit score for inquiries that otherwise would 've resulted in new credit card accounts, a higher overall credit limit, and thus a better score.
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I was able to get in touch with XXXX via telephone to update my file information. The agent told me the security freeze was initiated by Equifax but of course I do n't know how to verify that information.
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I sent letters to Equifax and XXXX  via USPS mail in efforts to get these security freezes lifted.
A company call XXXX XXXX XXXX came onto my private property on XX/XX/2018 and stole my automobile. I did receive any type of notice saying they collecting on a debt. If they take or threaten to take any nonjudicial action ( i.e, without a court order ) to repossess property when there is no present right to possession of the property they is in violation. l did not receive any type of notice asking if they can enter onto my private property and steal my private automobile.
On XX/XX/2018, Chase decided to close out my credit cards. I had to called customer service to inquire on why this has happened and the response I got was some account I was associated with was closed, but they do not know who or what. Furthermore I got a letter in the mail saying an affiliate without any specification, is ending their banking relationship with me and therefore this warrants the closure of both my credit card accounts.
XXXX / Coinbase missing {$25000.00} wire transfer my XXXX file # Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST On XX/XX/XXXX I made a wire transfer from my Bank account to my XXXX / Coinbase account. My money arrived on the same day to XXXX bank and as of this day XX/XX/XXXX XXXX has not credited my account. 

I have called XXXX and coinbase several times and have several emails from the customer service department stating that the finance department will get to in at some time. 

I asked them how long this would take one week or 1 month and they would not give me an answer. 

XXXX clearly advertises same day wire transfer availability and at this point it has been 21 days that XXXX has had my money and will not credit my account. 

Please see my wire transfer XXXX file from my bank showing that XXXX received my money of XX/XX/XXXX and emails from XXXX acknowledging my complaint with no resolution from finance department. 

My XXXX case file # Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST
I use coinbase and its trading site XXXX to buy bitcoin. XXXX had website problems with their ethereum  sales on X/XX/17. They are investigating ethereum transactions. I do n't have any ethereum in XXXX. I have XXXX bitcoins and XXXX cash. XXXX has put my assets on hold without giving me a reason as to why. I have submitted several support tickets but they are refusing to release my aaaets or respond to my emails. Please help release my funds being held illegally. Thank you
I was a victim of identity theft and noticed a collection from CENTRAL CREDIT SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL CREDIT SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you