WillisBack/dataset-financial-user-claim huggingface dataset:
Regions bankcard ... took dog to vet went to pay for services and it said when they ran it refer to card owner ... ran three times didnt work. Call and used 23 minutes of data before they bothered to answer., no music over and over how they won first place with banks for service. No one ever ever sent me an email or text stating that my card had been shut down due to a suspected attempt of use in NY. So they just dont tell you and you are in with dog at vet and you cant use it. TERRIBLE. In addition while im here they changed their website and it has something called insights and you cant get it off. How i spend my money is my business. At my other bank they took it off, I am not married my father is deceased i control my own money and dont need regions to budget my money. It was also very embarrassing that my card was turned down in front of everyone.
I received notice of collection, I contacted them for validation of debt representative verify all my information I advise this is not me he then proceeded to state that since all my information matches this belongs to me and I have to pay without no sort of proof, them having all my information correct is more then proof as he stated.
Equifax did not take appropriate measures to secure my personal information including SSN and was breached. This has now left me exposed for the rest of my life. I will incur several costs now to monitor my credit even more closely.
Please refer to original complaint # XXXXXXXXBrief summary, I made final payment on HELOC on XX/XX/XXXX in the amount of {$45.00}. On XX/XX/XXXX more than 7 years later, I get a notice of a lien hold on my house in the amount of {$36.00}. So I submitted a complaint to you. 
On XX/XX/XXXX, I get a call from XXXX XXXX at XXXX xt XXXX confirming that there was never any communication made to me about outstanding fees. She stated the only communication they sent me was dated XXXX that the account was at a XXXX balance and instructions on how to pull more money out. She advised that the {$36.00} were fees when I closed my account, that the {$45.00} was interest and the reason that I was not told about the {$36.00} fee could be from the Wamu merger. She assured me that the lien would be lifted and she would send me a letter stating so. 
I got her letter dated XX/XX/XXXX advising that this communication is an attempt to collect a dept. Which is in direct conflict to what she told me on the phone the day before. 
I tried to log on to my account several times to file a dispute, however, can not log in. I called your tech support on XXXX, was able to get in and now today XXXX am locked out again.
I received a letter in the mail from Macy 's stating that it 's attempt to email me my monthly statement was unsuccessful because the email was returned as " undeliverable. '' The email address that Macy 's listed in its letter is in fact my email address, and I have never had issues receiving emails before. The letter from Macy 's was sent to me after the due date of the bill. Macy 's made no attempt to contact me by phone or by mail prior to the due date to advise me that it was having issues emailing me my statement. In light of the fact that Macy 's notice to me was sent after the due date of the payment, combined with Macy 's failure to contact me prior to the date, makes it obvious that Macy 's is engaging in illegal behavior. While I have no way of knowing how many other people against whom Macy 's engaged in this scheme, I hope that the CFPB will receive other complaints and will respond with the appropriate measures that the CFPB has successfully used against other creditors who engage in similar deplorable behavior.
On XX/XX/XXXX I had a hard imquiry post to XXXX, XXXX and XXXX from XXXX XXXX Date Filed XX/XX/XXXX Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX This was not an authorized hard inquiry. I was shopping for solely for a stand-alone HELOC, which the broker said they could do. As it turns out I was told they can only do a HELOC if refinancing the mortgage. I was very clear I did not want to refinance my home and was not interested in a HELOC unless it was stand-alone. They ran my credit anyway and reported it to XXXX, XXXX and XXXX. I spoke with a supervisor to remove my hard inquiry that they pulled using XXXX XXXX and was assured it was going to be removed. I was told I would receive an email confirmation. I have not received an email confirmation and the hard inquiries are still showing on all three credit bureaus
On XX/XX/XXXX, I received via email an offer that regards opening a new HSBC checking with the incentives and conditions as indicated below : - Get a {$350.00} Welcome Deposit for eligible new customers who open a new HSBC Advance checking account with qualifying activities.

Limited time only.

Open your new HSBC Advance checking account online by XX/XX/2018 ; and Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in combined checking and savings accounts within 30 calendar days of account opening ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. 

On XX/XX/XXXX, application for Advance Checking account is approved. 

On around XX/XX/XXXX funds on the amount of XXXX are transfered to the new account and the amount of over 10,000 is maintained through XX/XX/2018. 

That is, the conditions required by HSBC in order to received the " Welcome Deposit '' were met in fact they are exceeded.

On several ocasions I called and chat with the customer service department, with continues without solving the problem. I am sure they can provide log information. 

However, in spite of many phone calls, chat messages and visiting the local branch of HSBC on XX/XX/2018, none of my complaints have worked and NO Welcome Deposit has materialized as promised.

This offer from this bank is either misleading or it is a scam and HSBC should be hold accountable of their actions ( or inactions ).
On XX/XX/2016, I received a letter from Kramer and Frank that states I owe {$100.00} to XXXX XXXX XXXX. I have not received a bill for this amount from XXXX XXXX XXXX, and they have not attempted to contact me about the amount owed. 

I have no problem paying the amount owed, but Kramer and Frank needs to send me an itemized bill of medical charges. Simply stating I owe {$100.00} to XXXX XXXX XXXX is n't enough to demonstrate that I owe this debt. Furthermore, I have attempted to match the unpaid amount to my XXXX XXXX XXXX XXXX XXXX claims, and there are no matching dollar amounts. In addition, once they have provided an itemized bill, proving I owe the amount stated in the letter, I am willing to pay the amount under the condition that they completely remove the collection item from my credit bureau reports, specifically because XXXX XXXX XXXX has not sent me a bill for this amount prior to placing the account for collection with Kramer and Frank. 

Thank you for your help.
Because my credit information was compromised by Experian, I put a freeze on my credit. I need to lift it temporarily, but the website I was directed to shows "under construction". When I called, the only option I was given to change the freeze state is to write them, enclosing reams of information to prove I am who I say I am. This is in spite of the fact that I have the security pin given to me when I did the freeze. I feel that they are deliberately making this difficult for consumers to discourage them from having freezes on their account. The freeze was only necessary because of their bad data practices which exposed all my information to the world. XXXX has a great online way of managing freezes and it's a disgrace that Experian doesn't.
In XX/XX/XXXX my identity was compromised and as a result I called all the banks and companies that I had credit cards with. Everyone was helpful in closing, freezing, or changing accounts except for XXXX XXXX XXXX. When I called them in XX/XX/XXXX to inform them of the problem to ask them to cancel the cards - they would not do so and did not cancel them. Nor did the person escalate my call to the security department or refer to me to a website where I could file a formal written complaint. After this I logged into the XXXX XXXX XXXX website to see if I could find how to report the problem. I saw no alerts to set up and under my profile in the section of income was listed {$100000.00}. I have never made a 6 figure salary and do not know how this got changed? I changed the salary amount to what was correct for me. That lowered the credit limit on the cards. For 2 1/2 years I paid on a mount that would not go down - about {$600.00} per month totals to about {$14000.00} ( rough estimate ). This does not include what I had paid prior to XX/XX/XXXX. The amount on the statement never changed and in fact towards the end started to go up. I called XXXX XXXX XXXX several times trying to figure out what was going on and got very little help. One time the person even told me not to worry, " because you can't take it with you. '' I ran out of money trying to pay this amount off in XX/XX/XXXX ( my savings was gone ). 

After I stopped paying I received notices and a notice about a charge off. I tried calling the numbers they said to call and never could get through to anywhere to leave a message or talk to a person. Then in XX/XX/XXXX/XX/XX/XXXX received a notice that a civil suit had been filed against me by XXXX  XXXX XXXX I picked up the suit and hired a lawyer. The law firm representing XXXX XXXX XXXX is a local firm here in Georgia. With my lawyer we filled out the papers and answered the questions and sent them to the firm representing XXXX XXXX XXXX. Per my lawyer, no reply from the law firm was ever received. So XXXX  of this year ( XXXX ) my lawyer asked to be released from the case. I had said that I had prove of payments in of bank statements showing that payments had been sent. 

As of XX/XX/XXXX ; the local law firm representing XXXX XXXX XXXX has filed a request for this case to appear in court without a Jury in XX/XX/XXXX. My lawyer 's withdrawal request was approved on XX/XX/XXXX So as of now I have no legal counsel. 

Because I do not have legal counsel now, I thought perhaps filing this with the CFPB might help bring about new insights and closure to this case.
Tried to get loan modification ..Nationstar mortgage kept losing my faxed documents.2 and a have years later, they send me paperwork.My new payment amount {$290.00} and change. then a letter with different amount. I also signed up for auto withdraw.I told them no withgraw on XX/XX/XXXX as per agreement. They sent letter to remind me I now had to send {$370.00} in check by XX/XX/XXXX. I waited till XX/XX/XXXX to make sure no autowithdraw. there was none I sent check, two days later they withdrew money. I had to cancell check. {$30.00}. In short every thing they have told me about has been a lie.I did sign the loan w/this company anyway, they ( bought ) my loan. please help..
I was dismayed after I ordered my XXXX, Experian and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XXXX XXXX and 60 days late as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
hello my name is XXXX XXXX recently i walked into my bank and requested to stop payment on my my bank account with wells fargo, the bank teller said she will close out my old account and open me another account and all of my reccuring payments to any company will stop since they will not have my new bank account number. wells fargo also sent me a letter saying i have to contact a list of companies if i would like for them to debit my account every month as they did on the old account. well i never called any company and disclosed them my new account number but somehow wells fargo let XXXX XXXX ach withdraw out my account for the sum of {$2300.00} even after i told them to put a stop payment on my account and the teller said she would close out my old account and open a new account to avoid the ach withdraw. i gave XXXX authorization to debit my old account but i didnt give them permission to debit my new account. this is totatlly violating my rights as a consumer.
To date Navient states I'm responsible for a balance of {$900.00} plus but I'm still enrolled in school and the company states my school is not eligible for the " In School Deferment '' when I've been a student at the school since XX/XX/2014. I'm receiving harassing phone calls and emails, missed payments on my credit report when I haven't even graduated nor stopped going to school. I believe they are trying to scam me into paying something I am not yet required to pay since I'm still enrolled in school as my educational institution has reported my enrollment status to the clearinghouse. Navient is scamming people out of money and reporting bad information on credit reports for their own personal gains.
TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX PA XXXX PRODUCED A PRIVATE LOAN FROM 20 YEARS AGO AND DEFAU ; LTED ME CAUSING BAD CREDIT
I Owed XXXX a bill for {$440.00} I Paid them late on XXXX/XXXX/2015 but then A Bill Collector contacted me ERC '' Enhanced Recovery Company LLC. Later contacted me about the bill they said they would settle it for {$260.00} I Explained I Had paid XXXX The full amount already and sent them a copy of the receipt and then they told me sense it was not a collection it would be removed from my credit after months of waiting it was still on my credit I Contacted them again and they then sent me a letter saying they received my payment of {$260.00} I Never sent them any money I Paid XXXX I Have tried everything with them and have got nowhere!
Date opened : XXXX Last Date reported : XXXX Collection amount : {$970.00} Balance : {$940.00} Action taken by company : To many phone calls, not nice at all, pressure tactics and very rude.
3 years ago I was on vacation. And some took out a loan for {$500.00}. XXXX XXXX XXXX said I walked into a store and took this loan out and they have video proof. I never took out a loan. I noticed the charges on my bank statement when I got home. I contacted my bank. They froze my account. And made me open a new account. They did a full investigation and found that these were in deed fraudulent charges. XXXX reimbursed my money. I sent the report to XXXX XXXX XXXX And now 3 years later I'm receiving threatening calls at home and work. Stating they are going to take me court and I'm going to have to pay restitution and they are going to garnish my wages .they are saying they have the video still. This needs to stop. Please help
Requested fraud alert be removed, they removed it and reinserted it. I want it removed. XXXX XXXX XXXX account is still being reported, even though XXXX XXXX XXXX pulled it from collections and XXXX the account.
Navient is my student loan servicing agent. I have paid the bill each month. I have been ob a income driven payment plan due to my low paying XXXX XXXX job. I called to get the application to re-apply, they we will send it to you and they have done it and this has been over 4 months. I have made calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

No application. All I want to do is stay current with my student loan payments and they are stalling me not telling me the truth. It seems to me they want the student to default.

Well I am not trying to do that. Please help me! I want to pay, and pay what I can afford. My Human Resources Department Faxed over to Navient the Income driven application in XX/XX/2018 and they are saying they never got it. The Human Resources office has the paper work showing they did fax the application to them. They keep lying to me. Please help me.
Ocwen Loan Servicing, LLC- took over GMAC Loan Servicing the prior servicer of my Mortgage. Ocwen sent a Loan Modification form to me to be completed as of XX/XX/2013. 
However, Ocwen does not live to the promise of the modified document. 
1. Ocwen increased our principal or the balance owned from {$58000.00} to {$84000.00}. 
2. Ocwen does not waive the past late fees, past balance and all the attorney fees as promised during the modification. 
3. Even we made 39 payments after the modification documents, ocwen have already file for foreclosure on us. The Interest rate is higher than the current rate. 
4. I called Ocwen Ombudsman office I spoke with XXXX XXXX and I have explained to him that " Ocwen did not sign the Modified document and did not respect their promises so ; we need a new modification with accurate amount. But, Ocwen fails to do it. 

I do need help to resolve this issue before Ocwen repossess my property Please Help. 
Thanks, XXXX XXXX, XXXX and XXXX XXXX XXXXXXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX TEL. XXXX
In XXXX, 2015, I applied for a credit card at Lord & Taylor in New York. I was denied credit. This was highly embarrassing to me, since I have always had an outstanding credit rating. The formal rejection letter from Capital One said I could obtain my XXXX credit report, which I then ordered. That credit report did not show any debt ( our mortgage is paid off and I am retired ) and indicated that all credit cards are being paid monthly per terms. I wrote Capital One twice and copied their President, XXXX XXXX XXXX, after no response to my first letter. His office contacted me via phone but they were unable to provide any evidence of debt I have or even explain why my credit application was denied. Thus I am asking for CFPB to assist me. I obviously do not want a credit card from Capital One ( I used an XXXX XXXX card for the Lord & Taylor purchase ), but I do not want a credit denial lodged on my credit record, particularly since I am retired. ( I do have assets but not income from a job. ) I may want to get other credit cards in the future and this inappropriate denial of credit may prevent that. I asked Capital One to lift the credit denial against me since there was no justification but they have not done so nor have they provided any rationale for the credit denial. I have been highly dissatisfied with this experience and Capital One ( which continues to send me unsolicited offers for credit cards despite my having a " do not solicit '' request formally filed ). Thank you very much for your help.
I have tried numerous of times to block the following inquiries from fraudulently reporting on my credit report. My next step after this will to be filing a law suit on the companies as well as the agencies that's reporting the following inquiries, XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX )
XXXX XXXX XXXX hasn't sent any correspondence, nor have they responded to letters sent in reference to a debt claimed. Date opened XXXX for XXXX. I've disputed this debt through credit agencies, however the debt was updated. I've asked fro verification including original contract/signatures and that hasn't happened.
Loan Care ( myloancare.com ) website has been down for the last two months so I have been unable to make payments online. As a result, I must call in a payment and wait on hold for close to an hour before speaking to someone. I want this investigated, the website does n't even work. I 've tried from multiple locations, multiple computers, multiple browsers. I could n't even get their contact information to load and had to find the number in a google search. How can they expect customers to make on-time payments when they ca n't even keep a website running?
My name is XXXX XXXX and I am contacting you regarding account XXXX Reported : XX/XX/2018 - {$420.00} Closed showed up on my XXXX credit report. It is fraud and it does not belong to me and I would like it removed from my credit report at once. I am a victim of identity theft but it seems like every time XXXX is forced to remove something off my credit report they find something else to add to drop my score. Please make them remove this fraudulent account because it doesn't belong to me. Also I have asked them several times to add my employer which they refuse to do my employer is XXXX XXXX XXXX XXXX. My credit score should be at almost 700 if things were reported correctly by XXXX
I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with Transunion, XXXX and XXXX, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.
Hi, I have tried now 7 times to get my date of birth corrected. It stays corrected for about 1 to 2 days and reverts back to the wrong birthday. The most recent Equifax dispute numbers are XXXX, XXXX and XXXX. Again it was corrected for 1 day and reverted back. I filed a CFPB complaint XXXX and again it was corrected but reverted back in 1 day. I have spent several dollars trying to correct this and buying credit reports. What will it take to fix my birthday to XX/XX/XXXX?
this is a cable bill that was CANCELED and paid with all equiptment returned undamaged. I told them repeatedly that the equiptment was returned at the corporate location drop off. They are billing me for XXXX cable boxes that were returned. The final bill was paid and come to find out that the debt was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with XXXX other debts.
A computer glitch that was   XXXX   problem and not mine caused my inquires to be deleted and they later added then back on without sending out  a five  day written notice prior to them adding them back on. I then proceeded to call them to let them know of the error and that it was illegal to add them back on with out notifying me. Those inquires added hardship and my rights were violated by  XXXX . I 'm asking that you guys step in and put an end to  XXXX  so that they can stop victimizing me as well as others. As a resolution is ask that all my  XXXX  inquires that I did not authorize be deleted permanently as a violation that they did n't not notify me of and illegally added back.  <P/>  XXXX   XX/XX/XXXX      XXXX   XXXX    XX/XX/XXXX     XXXX   XX/XX/XXXX     XXXX   XX/XX/XXXX
I was checking my credit report on   XXXX   credit agencies   XXXX     XXXX  and  XXXX  when I was alerted that a collection agency named Fox collection center of   XXXX   XXXX   XXXX     XXXX   TN   XXXX   XXXX   placed on my credit file that I owed a balance of $  XXXX .I would like a bill presented to me for this balance I do not owe this money I would like to know how when and to whom I owed this money it had been reported to the credit agencies  XXXX  2017.I also would like this balance to be removed from my credit report.
Starting XX/XX/2018, I have submitted numerous written requests to both the creditor and Equifax to have this account validated. I have had several invalid addresses, phone numbers, inquiries and accounts show up across various credit reports. Yet Equifax keeps sending updated " verified '' credit reports with instructions to contact the creditor directly for any further concerns ( I've received no contact from the creditor themselves ) and when calling the XXXX/XXXX using the number provided by Equifax 's own " investigation '' ( XXXX ) it's an automated messaging system that directs you BACK to Equifax for any disputes. It's an endless loop between the creditor and the credit bureaus and the consumer is caught in the middle.