WillisBack/dataset-financial-user-claim huggingface dataset:
Franklin Collection has been reporting 4 bad collection debts to my XXXX  credit report. I contacted Franklin via certfied mail XX/XX/18 asking for " validation '' of these items. I requested proof that I am indeed the party they are asking to pay the debts, the date of alleged medical service, the name of the patient and that there is some contractual obligation which is binding me to pay the debts. Franklin responded with letters dated XX/XX/18 with a " RE : REQUEST FOR FINAL BILL '' letter. I have received a response that clearly violates my rights according to HIPAA. Franklin Collection did NOT provide me with HIPPA Release form to authorize the use or disclosure of my protected health information. Account numbers are as listed:1XXXX,XXXX, XXXX, XXXX.
Equifax just announced that in XXXX their data was hacked and the information of millions of Americans including myself had their information stolen. Their executives sold stock shortly after finding out, and only yesterday was it even announced that this happened. I was affected by this, but to find out if I was affected, Equifax tried to get me to waive the right to a lawsuit. I never chose to have my information known by Equifax, along with millions of others, and yet their data was never properly encrypted, they did n't release this information until months later, after they profited off of the company, and now I 'm expected to trust them to protect my information going forward. Once the information was released, a fraudulent charge showed up on my credit card that I had to flag with my credit card company, and I had to proceed to freeze my credit due to their irreversible negligence.
Filed an insurance claim on Homeowners for a plumbing leak on pool equipment which failed my pool deck. begin bid process XXXX 2014, submited to insurance which paid immediatly. Portion of funds went to NYCB, submitted all necessary documentation to NYCB, scheduled work to begin after a month of phone calls NYCB finally sent XXXX draw of 3k on 26k project, minimum XXXX draw requested by contractor is 30 %, weeks went by along with several phone calls and letters. contractor showed up to schedule and recieve XXXX draw, and rejected amount submitted by NYCB and declaired thier company wishes to not do business with me in fear of payment delays by my mortgage co, NYCB! Here we are in XXXX, XXXX months later and work is still not in progress, NYCB still controlling and dictating disbursement amounts for work to be completed. every call made, all you recieve is a different story, a request for different needs and or request of missing documentation. In speeking with my insurance company, they also have never had dealings with such a poor managed institution. We are not in risk of missing the window of oppertunity in the sale of our home, all due to the neglect an unethical business practices within NYCB. 
32k project today as opposed to the 26k a few months back, is expected to take 4 days from start to finish, NYCB request multiple inspections throughout process which i welcome, the 16k in which NYCB now holds in only half of what is required for this project, i am unable to submit supliment to insurance untill NYCB pays out the XXXX, this being said my family will end up paying more Out of pocket for an extendended amount of time all due to NYCB practices. Loss draft dept, is well trained at apoligizing and under trained in processes. why do i say this, because everyone you speak to tell you something different. NYCB is so behind time, they do not offer byweekly payments allow customers to pay down there note. choose wisely before considering NYCB
I have tried to obtain a copy of my free credit report online from XXXX and Experian in XXXX 2017. I was instructed by the two companies to complete a form and the credit file would be released. I followed the instruction and both companies have n't honored my request. 

XXXX wants to charge me {$11.00} to get a free annual credit report. Experian stated they were n't able to honor my request because I did n't provide sufficient identification information to verify my identity or the information provided was n't legible. I disagreed with Experian. I provided the information ( electric bill ) that was request. 

It would be greatly appreciated if you could assist me with obtaining a free credit report form both companies.
Opened a HSBC advance checking account back in late XX/XX/XXXX with an understanding that there will be a {$350.00} promotion bonus for opening the account and funding it with {$10000.00} within 30 days of account opening. The fine print says customers who held any HSBC account from XX/XX/XXXX to XX/XX/XXXX is not eligible for the promotion. So I called in HSBC prior to account opening and had confirmed with an agent that I didn't have any accounts opened during this period. With this confirmation, I proceed to open the checking account and had met all the requirements, but did not receive the promotion bonus as promised. I called in to HSBC repeatedly starting from XX/XX/XXXX to XXXX XXXX ( about ~5-6 times ), and was given a host of different reasons as to why I did not receive the bonus. Was initially told that I had an account with HSBC during XX/XX/XXXX to XX/XX/XXXX, in which I replied stating that I had confirmed with an agent about this prior to account opening. A ticket was opened for further investigation but they did not follow up with me on the progress. Later I called again and was told that I did not register for the promotion during the sign up, hence was denied of the bonus. Not only are these claims contradicting each other, they're also not valid. As a consumer, I feel HSBC did not keep their end of the promise and also showed lack of support to follow up and resolve this issue. Hence I'm contacting CFPB in hopes to get this resolved in a timely fashion.
A Credit Card with XXXXCitibank showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to XXXX XXXX XXXX and is now showing up on my credit report as both XXXXCitibank and XXXX XXXX XXXX. The credit report is showing the last payment made to XXXXCitibank was back in XXXX of 2010.
I applied for a Citigold checking account with the promise of receiving XXXX thank you points around XX/XX/2016. At that time it had a promotion code I used and the terms were to make 1 bill payment for 2 consecutive months will qualify you for the bonus payable in 90 days after the requirements were met. It has been more than 90 days so I decided to ask Citi why the promotion points have not posted to my account in XXXX 2016. Citi replied saying the promotion is not valid and only targeted to specific addresses. This does n't seem right to me as I have followed all the procedures and even received a letter in the mail stating I would be eligible for the points if all requirements were met in XXXX 2016. I will attach all the information needed to confirm my case as I have followed the rules and should receive the points in my account.
I have reached out to XX/XX/XXXX several times trying to get them to remove information that is inaccurate. 
Two times before they have verified information that is not mine.
I have both private and federal student loans with Navient. There are two issues that need to be addressed. My credit score recently dropped XXXX points because Navient mistakenly reported I owe a {$520.00} payment! My payments to Navient are auto debited on time each month, twice a month.I immediately called Navient to inquire about the supposed missed payment of {$520.00}. They checked my account history and showed that I was current on my accounts and they had no idea where {$520.00} was coming from. I check my credit regularly with XXXX XXXX and am attaching documentation. I also called XXXX to verify that my score had dropped and they confirmed it had recently changed and they were showing that Navient was reporting a payment due of {$520.00}! I would like Navient to report to Equifax and any other credit bureaus that I do not owe a payment of {$520.00} and they mistakenly reported that payment due and tell the credit bureaus that I am and have been current and on time with my payments to them. 
The second issue concerns making payments to Navient where the majority has been applied by Navient to interest and a minimal amount toward the principal. I am attaching documentation of my recent payment history with Navient. I 'm specifically speaking of payments made on XXXX a payment of {$200.00} was made and only {$62.00} went to principal. Two payments made on XXXX one for {$150.00} where only {$1.00} went toward principal. The other payment ( on same day ) for {$60.00} where only {$0.00} cents went to the principal! These payments were made less than 10 days after the loan payment was due and paid. So the majority of those payments minus 7 days of interest should have gone to principal. And again, another payment for {$200.00} on XXXX/XXXX/2016 where only {$53.00} was applied to principal! This is not an ethical business practice. They are ripping me off and making it impossible for me to pay my debt down. I 'm at a 4 % interest rate on my private loans and a 6.5 % on my federal loans. I would have to be upside down with an outrageous interest rate for my payments to be applied the way they are applying them. I want Navient to scrutinize my payment history, especially the payments I have specifically pointed out here in this complaint, and fix this by going back and applying the money from my payments to the principal as it should have been done when the payment was made. Thank you!
XX/XX/XXXX - Buy XXXX XXXX from XXXX XXXX XXXX and Westlake Finance as the financing company with {$6400.00} Amount Financed 10.15 % APR, 36 months to pay with a Financed Charge of {$1000.00}, Total payment of {$7500.00} and payment of $ XXXX/month for 36 months beginning XX/XX/XXXX XX/XX/XXXX - cancelled the extended warranty worth {$1300.00} So now the Principal Amount/Amount Financed was reduced. 
The WESTLAKE FINANCE told me to pay the same amount $ XXXX/month, nothing has been reduced, so I asked them to send me a new updated accounting but until now nothing. 
What I understand is my payment of {$200.00} have a fixed rate, meaning fixed monthly Finance/interest charge and fixed monthly Principal amount, but every month said interest and principal amount keep on chaging. Again I asked them thru email to explain. 
I have made 4 monthly payments already and the account statement that they are sending have different amount in interest and principal, and until now they have nit sent me an updated account where I can see how long will I pay and the adjusted amount and every important details that can be easily understand.
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made :  XXXX   XXXX   XXXX  - Account #  XXXX
I voluntarily gave a car back I had less than 2 months due to this company having poor customer service and the car had too many problems. They took me to court less than 2 weeks after I gave them the car back and filed a default judgment before the 20 days I was allowed to respond without making any contact with me to do a payment plan for the remaining balance or any efforts to collect the debt. In less than 30 days before I even knew there even was a judgment, my wages are getting garnished and I never received any notice that my wages were getting garnished until I looked at my pay stub. I took them to court on XXXX to lower the percentage being taken out of my check from 25 % to 18 % yet they were still taking over 25 % of my check every check. On XXXX XXXX the balance was paid in full but they never filed a satisfaction of judgment with the courts. The beginning of this year I was told by the courts to contact them to file the satisfaction of judgment so I can give that to the credit bureau to get it off my credit. They are not only refusing to file it they claim I only paid {$2600.00} and I still owe them {$3900.00} but wo n't tell me that directly when I ask them for proof by giving me their accounting logs. I paid them {$6500.00} and have proof of that. I feel some sort of consumer fraud is happening on their part being they 're trying to double collect on a debt that has already been paid. They even changed the case number when submitting it to my employer for the second time making my employer believe it 's a new case for garnishment. They also keep sending any required papers to my old address from four years ago when they have been given my current address to try and get what they want without me being able to respond to it and it possibly being denied.
I took out a loan from Ace cash express around XXXX of XXXX. I received a phone call around XXXX of XXXX stating that they will take legal action if I did n't pay so I set up a payment arrangement asap for XXXX . On that Friday that I set the payment arrangement to come out I received another phone call from another collection agencies stating that I was paying the wrong people and got called a liar and stupid and they hung up in my face. I called ace cash to see who had my case which they told me that the collection agency that called me a liar was the right agency to pay. so I was freaking out because I gave my account information to the wrong people I called them back to cancel the payment arrangement but they insisted that I was paying the right people. they had all my information where I lived my job and my social security number so at this point I did n't pay anyone and I do n't know what to do because im XXXX and scared. they told me that they will get everything straighten out and give me a call but I never received one
My mom is XXXX years old. She 's always on time but this month she did n't pay her bill on time, she paid 5 days late. Her mind has been preoccupied with the health of XXXX of my uncle ' that are XXXX. She 's having a hard time accepting the late fee. When she called them they said she had to pay. That it rightfully due. My mom became really upset. She does n't understand why they wo n't refund her account as a courtesy. She was n't happy by the supervisors attitude. Especially because she has had bad customer service experience with this bank. She 's never had a problem with other banks.
Amerifirst finance bought out the loan we used to pay for our windows -the repetitious phone call start the day the payment is due at XXXX until XXXX. Sometimes when I get home, there has been up to 25 calls in one day. I 've been told they can foreclose on our house. This was said for a loan payment that was 13 days late. They also call my husband 's cell phone in-between the calls made to our house. We bought the widows over 10 years ago and most have been broken since the first year but directly after buying them, the company went bankrupt.
On XXXX/XXXX/2016 I filed a dispute with Equifax regarding a hard hit inquiry by XXXX XXXX. I have never received a response by Equifax with the results if the investigation providing me proof that I authorized this inquiry. Equifax is in violation of the Fair Reporting Act time allowed to provide the consumer an answer regarding their dispute. 
CFPB CASE # XXXX
Constant calls throughout the day. At least 6 calls per day and when i answer the phone, they hang up! Never ever do i get a recording or person when i answer the phone!! Its very annoying and it is harassment!!!
My ex husband and I had a finalized divorce in XX/XX/XXXX. Before that I was not living in the home since XX/XX/XXXX. XXXX XXXX XXXX was our mortgage lender and because my ex husband got behind on payments Selene Finance bought the mortgage. In our divorce agreement I was to get a quit claim deed and my ex was supposed to submit that to have the mortgage refinanced and taken out of my name. Well because he was behind on payments, and I have proof I was n't in the home since XX/XX/XXXX, the modification did n't go through with XXXX XXXX XXXX. Selene Financial bought the mortgage and keep giving us the run around. My name is still on the mortgage, therefore, causing my credit to plummet. I have contacted them and they have tried to now give me information but when I threatened them with a lawyer then they keep sending the same messages about the modification was denied and they will resubmit. Needless to say my ex has n't made payments on the home since XX/XX/XXXX!!!!!!!! This is very upsetting to me and I am ready to get some justice, get this house out of my name, and move on with my life. I am contacting you for help. Please help me in any way you can. Thank you!
I recently reviewed my credit reports and noticed a collection account stemming from an XXXX XXXX   account that I have never opened. This account is being reported as a fraudulent account under my personal information.
I 'm being threatened with repossession over a {$10.00} late fee. I 've paid it once, because I did set up the payment late. the biggest issue is the interest rate. The rates were presented as 3 % but when I received my paperwork, the interest rate is much higher. I recently paid off any out standing debts that were not included in my bankruptcy 3 years ago. I 'm trying very hard to get back on my feet and they are completely unreasonable. 
I have payments sent via my credit union 's bill payer service and there was a glitch last month. the payment arrived a few days later than scheduled to this error. I provided Turbo Title dba Manor Resources with a letter confirming as such from my credit union and I was again threatened with repossession over it. My payments are always received within a few days of their due date. My due date for the loan changed from middle of the month to the XX/XX/XXXX of each month.I was originally told I could keep my middle of the month pay date as it is better for my budget. I 'm trying to pay this off as quickly as possible.
My situation is very clear and simple. I have made a cash deposit in an ATM from chase, to which I have an account. This happened on a Saturday XXXX XXXX 2015, the problem was that we made the mistake of selecting deposit check instead of deposit cash, but the ATM did not return the money for such mistake, it took it and was reflected in my available balanced that same day. I even made a purchase that same day with that deposit to which I have proof, and I would n't be able to do so if I would n't made that deposit. 

The nightmare started on Monday XXXX XXXX 2015, when I got a negative balance for the deposit I did on Saturday. I called Chase customer service and their solution was to open a claim and they gave me back temporarily my money until the investigation gets resolved. A month later, I do n't receive a resolution in any kind of way, but I do get a negative balance on my account for the same amount of the deposit, so I called again customer service and they came to the conclusion that they did n't find any extra money in the ATM and that maybe they did the investigation on the wrong ATM, because of that issue they opened another claim, again they gave me the amount temporarily until the investigation gave a result. A week and a half later aprox, they did n't notify me in any way, and I realize again in a bad way that I had another negative balance in my account for the amount that I have been fighting for. I went to the branch where I opened my account to get some support and they only gave me the Executive Relations number so that I can escalated to the next level. I called the Executive Relations and they came with the resolution that the ATM is claiming that it gave the money back to us, and it never took it, my first response was total anger because the ATM is robbing me and if Chase presents accounting issues it should not reflect on their customers, full disappointment because its not possible that a machine error can not be detected that easily. I demanded that instead of calling me a liar they opened a full investigation with the cameras of the ATM and their answer was that I had to get a subpoena to get access to that, or to present proof, but of course that what I am trying to obtain, " proof '' from the camera footage. 

I already reported a complaint at FDIC but I am not quite sure where that is going to go, because they forward my information to CFPB. I called the police department to file a police report because I feel like I am being robbed by the bank and they recommended me that I might have to sue the bank, and acquire a civil lawyer to litigate against Chase. But the sad part is that I already consulted XXXX lawyers and they told me that could not take my case. 

I am a citizen of the US and I am looking for somebody to help me with this. 
The amount of the deposit that I am fighting for is {$580.00}, it might seem like is not much but believe that I do n't feel that they have the right to keep my money like that, and be so cynic to treat me like this and make it hard on me when i do n't have that much money to just leave it like that when is my money to begin with. 

Please I requiere help.
This account is n't mine but they insist that it is mine and with my social. They are very nasty and threaten me in everyway
I sent and email t o US Ba nk requesting to have  XXXX  of the  XXXX  NSF charges that I have received removed since it shows proof on the transactions that I had enough funds to cover the transactions that I am now being charged {$100.00} ( {$36.00} *  XXXX  = {$100.00} ). Here is my email that I sent to  US  Bank : I am disputing  XXXX  NSF fees of {$36.00} these because at the time I withdrew the month on the  XXXX  there as money in the account to over these transactions. I am not disputing the other  XXXX  the other  XXXX  that were added on today  XXXX / XXXX /  XXXX   because that is my error. I can see by my transaction history on my account that I have included that there was a positive balance after that transaction was done. I am requesting  XXXX  of the  XXXX  NSF fees refunded back. Thank you for your time and consideration.      XXXX / XXXX /  XXXX   Atm Fee  XXXX   XXXX   XXXX   XXXX   XXXX  {$2.00} Balance {$120.00}  XXXX / XXXX /  XXXX   Atm Withdrawal  XXXX   XXXX   XXXX   XXXX   XXXX  {$42.00} Balance {$120.00}  XXXX / XXXX /  XXXX    Debit Purchase   XXXX   XXXX   XXXX   XXXX   XXXX  {$16.00} Balance {$160.00}  XXXX / XXXX /  XXXX   Debit Purchase -visa   XXXX   XXXX   XXXX   XXXX  Wa {$7.00} Balance {$180.00} This is US Ba nk response   XXXX  Hello  XXXX ,  Im s  or ry to hear of the difficulty youve experienced with your account. I can certainly explain why the fees were assessed, to help prevent this in the future. Items on your account are paid based on the available balance. This balance includes check card authorizations, as well as any unavailable funds from a deposit. The fees assessed on  XXXX  were the result of transactions that posted on  XXXX . Your available balance ending this date was - {$240.00}, due to unavailable card authorizations at the ATM totaling {$360.00}. I 'm sorry for this reason we are unable to waive the fees on the account.     You can view your available balance by selecting the blue circle next to the running balance when you 're logged into  your Online Bankin g on the full site.       Now I use my mobile app to view my account and balance and what my pending charges are and what my current balance is available. Its obvious on the statement that I will provide that I received off the website online that the amounts were taken out of the positive balance and the only items that should have been charged a NSF fee is the ones in the read which I take responsibility for.     As you can see by the statement I was charged  XXXX  for {$7.00},  XXXX ,  XXXX   XXXX  not usbank atm charge. Those transactions clearly show a positive balance after it was withdrawn dated  XXXX / XXXX /  XXXX   per the statement I have supplied.