WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX. I froze my accounts with XXXX and XXXX. When I attempted with Equifax their system required that I create an account, and so i did. Unfortunately after creating the account I was unable to log in. I called customer service and after much prompting got a ticket # XXXX. Someone was supposed to call me back. Nobody ever did. 
I tried " forgot password '' which was suggested on the XXXX but I never get an email with instructions. 
I tried recreating the profile using the same email address, just to ensure that the profile was, in fact, created, and this confirms that it was created because the message says profile exists. 
I don't want someone at Equifax to freeze my account, i want to be able to use self serve, so that I can unfreeze if needed without relying on a phone call.
Received high fee for insufficient funds. I can not see, by way of my online account page, at which point I went below in order to incur the fee. I logged on XXXX day to see a balance, XXXX as yet " unposted '' items and XXXX deposits by way of funds transfer ALL with the same date. I was told by a teller if funds are deposited on the same day - no fees will occur. 
Fees are WAY to high for many people who are banking and living at the very edge. Charge a fee that corresponds with the amount of interference the lack of funds meant to or affected the bank. Did my {$2.00}, {$5.00} or {$19.00} debit with insufficient funds render the bank unable to continue on? Did my mistake mean the country 's economic health may suffer or banks may close up shop? Not even close. The fees are unrealistic for most Americans. 
Make the fee match the burden put on the bank for the mistake instead of trying to break the customer.
I am a USAA customer and in XX/XX/2016 they migrated from MasterCard credit card to a visa branded card for all their customers. The balance was transferred to the new visa branded card and the legacy MasterCard account was supposed to be closed. Upon review of my credit report, I found that the legacy MasterCard account was still on my report with a balance of over XXXX. 

I have filed a complaint with the resolution department at USAA but upon review of my wife 's credit report, the same problem was there too. 

I am complaining because I only found this problem by happenstance and I suspect that many more consumers may be affected. If a customer had this issue, they might never know unless they meticulously reviewed their credit report. 

In my conversations with USAA staff, I found that this is a known issue to some of them. If they know, why have n't they checked and notified those affected? This seems suspicious as if they were concealing this problem.
My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TXXXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NC XXXX
On XX/XX/2018 I received a solicitation from OPENROAD LENDING, which stated that I was " Prequalified '' for a refinance on my auto loan. 

Since the payment they were quoting was {$80.00} LESS than the payment I had already been making for 10 months without a miss and the rate was lower, I applied. 

I received an email directing me to their website, which informed me my application had been denied While I am certain that they will quibble over the wording and intent, I believe this is deceptive, particularly since a denial negatively affects my credit score.
In XX/XX/2010 i allegedly co-signed a vehicle and the financing was By Santander Consumer Usa. This car was a lemon but because it was used the lemon law could not be enacted. The bank charged {$37000.00} on a {$15000.00} so XXXX of these dollars were interest. Predatory lending!! They never sent a final bill nor did they give the option to buy this car at auction. This car was not worth {$37000.00} and when they sold it at auction and after receiving payment on this they state a balance of {$16000.00} is owed.. I'm disputing the validity of this account because i have no knowledge of the alleged account and would like the original signed contract.
I wrote a letter to the debt collector AR Resources , Inc. requesting information on the debt they say I owe. I received a letter from them and attached was a generic invoice indicating I owe {$630.00}. It was not from the Hospital and they did not answer any of the questions I asked.
To Whom It May Concern, XX/XX/XXXX I, XXXX XXXX, scheduled and underwent a XXXX  XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX. I paid a XXXX dollar deposit :XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) which was required in order to hold a XXXX date. The charge was deducted from my Chase credit card. I was informed the deposit would be deducted from the total cost of the procedure which was XXXX. The total cost of the procedure was XXXX, which was deducted from my XXXX XXXX account on XX/XX/XXXX. I was also informed if I was going to pay cash, the amount of the procedure would have cost XXXX but because I financed the procedure, it would cost XXXX. I have contacted XXXX XXXX several times since my procedure in effort to request the {$300.00} and {$200.00} deposits back to my Chase credit card. Each time I call, I am told someone will call me back. I have not been successful resolving this issue. I demand XXXX XXXX return {$500.00} to my Chase credit card immediately because I was charged the full financed amount of XXXX on XX/XX/XXXX to my XXXX XXXX account, which I have attached a copy of my billing statement to this complaint as proof. Ive paid a total of XXXX and should have only been charged XXXX. Please resolve this issue ASAP. Please forward correspondences to : XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX or email address : XXXX Thanks, XXXX XXXX
I lost my job at the end of XXXX. On XXXX XXXX, we requested a Loan Modification from XXXX XXXX XXXX, filed all the requested paperwork, more that one time, I might add. Delays and more delays and nothing happened. Finally, in XXXX XXXX, we had a meeting in person, with a XXXX Rep. and started another request for XXXX, kept in touch with her for a couple of months, emailed her often to check status, advised her in XXXX XXXX that I had found a good job and we felt confident to resume payments. We stressed very often that we wanted and would do anything to keep our home, just tell us what to do, to no avail. 
Then the loan went to XXXX XXXX, then to Select Portfolio Services, and of course every time, a new XXXX request, more paperwork, and it dragged and dragged. Of course as time goes by, interest and late fees keep accumulating, what was a XXXX balance, got to XXXX, we still wanted our home, but finally in XXXX of XXXX, almost 4 years later, the only thing left for us to do was a Short Sale or Deed in Lieu, really? after 4 years? 
At what point we had control of the time all this show took place? We could n't abandon the house, we could n't make payments because no agreement had been made, we would 've lost that as well. 
Only thing for us to do was to maintain the property, and we did, even though we did n't live in it full time because of our jobs in another town. 
The house was merely to spend 4-6 days a month while being off work, and served as storage for our furniture. My wife and I still live with relatives because our credit is shot and because guidelines wont let us buy a house for 3 to 7 years. 
XXXX XXXX sold the house 2-3 months after we moved out. We lost our home of 8 years, down payment, closing costs, improvements, not to mention the stress and the uncertainty of the outcome, alongside with the credit consequences that now wont let us even attempt to apply for a mortgage anywhere else. 
A deal is a deal. It was very unfortunate that I lost my job and I expected consequences, like missed payments I had to make up for, late fees, penalties, interest, etc ... and we were ready to comply with that, that would 've been easier, but they kept pushing for a Loan Modification, we did n't wanted one after XXXX XXXX, but they always had control and their plan was to build up the debt, make the house go underwater and forced us out, and it worked. We lost our home and ca n't buy another because our credit shows a Deed in Lieu and no mortgage company wants part of us. Guidelines, they say, you have to wait. 
Have n't we lost enough already?
ONLINE INFORMATION Services Account # XXXX needs to be deleted and removed immediately because it is fraudulent and someone used my name without my consent.
I signed up with a Amazon card using Synchrony Bank. My first electronic email from them was a statement that I had a late fee of {$25.00}. Amazon immediately assigned the card, but I did not get the first statement. Synchrony waived the fee and I thought the card was canceled. Somehow a {$3.00} charge went through. I was charged interest and a late fee again. 

This seems to be a modus operandi for Synchrony. Moving to electronic billing - missing emails and charging fees.
The letter sent to XXXX XXXX below XXXX outlines what happened. I have disputed the incorrect credit reporting through Equifax, including the following letter and my credit card statements as evidence, to which they came back with no changes stating they 'verified ' the information reported. I have also disputed the incorrect credit reporting through XXXX Disputes Dept, but no corrections have been made to my credit file. 

XXXX MO XXXXRe : XXXXDear XXXX XXXX XXXX XXXX I am responding to your reporting on my credit file. You first contacted me by mail XX/XX/XXXX to attempt to collect {$15.00}. I did not have any responsibility for the alleged debt you were trying to collect. 

I have attached my XX/XX/XXXX credit card statements for you to view. Please take note of the transition from XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. I disputed the {$15.00} with my credit union after receiving statements that I had a XXXX balance with a minimum {$15.00} payment. My credit union investigated my dispute and deemed the {$15.00} an error on their part, resulting from a payment to my credit card that was misapplied by XXXX XXXX XXXX XX/XX/XXXX. It was also acknowledged as the second misapplied payment, following the first in XX/XX/XXXX. You will find the {$15.00} credited to me by XXXX XXXX XXXX on my XX/XX/XXXX credit card statement. 

Please verify and update the following incorrect information in my credit file : past due status in XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status in XX/XX/XXXX & lt ; -- - owed a XXXX balanceIf the corrections that need to be made are not immediately addressed, I will have no choice other than to move forward with this complaint to the Consumer Financial Protection Bureau and/or file suit. 

Thank you for your cooperation.
I have several student loans with SallieMae currently totaling over {$1100.00}. When paired up with my federal loans I am paying over {$1300.00} out of my roughly {$2000.00} in monthly earnings. Long story short, after factoring in living expenses I am spending more than I make and have been compensating by using some money from savings to help with my loan payments over the past several months. This is money that I reserve for special circumstances ( medical, auto ) and even if I 'm lucky enough to not have an emergency need, the fact that I 'm constantly taking out more than I 'm putting in means at this rate I will go into default on my loans at some point. Knowing this I attempted to call SallieMae today to inquire about an interest rate reduction program that I 've heard they offer to clients who are having financial troubles. I was frustrated to find out that they only offer this plan to clients who have already gone into default on their payments ( which to my understanding would not be good for my credit score either ). So basically I need to keep doing what I 'm doing and until the money runs out and SallieMae actually helps. It is extremely upsetting that I can tell them ahead of time and prove with my finances that I 'm headed for trouble yet they wo n't throw me a lifeline until I 'm actually drowning.
I have been trying to withdraw some of my btc to verified XXXX account for 2 days now and the sell order stays pending for 2 hours and gets cancelled every time. I used the XXXX sell feature before and it worked flawlessly ( other than the fact that it said my funds will be available the next day when they came instantly ). Now I ca n't sell any btc instantly. 
Account email : XXXXXXXXXXXX
ALL 3 CRA 's have not updated my balances for my XXXX   account in months my balance is {$0.00} 's yet XXXX   EQUIFAX AND XXXX are still showing a balance of {$620.00}. XXXX  has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET EQUIFAX KNOW MY CORRECT NAME IS XXXX XXXX XXXX not XXXX XXXX XXXX!
First, I will start with  XXXX   XXXX . I applied for and was approved through this company for student loans,  whichI thought w as great since I was on my own - but did not realize how negatively the rates I was approved for would hurt me in the future. When I would call to lower payments, I was absolutely convinced that forbearance was the way to go, I was n't making nearly enough money to afford these loan payments. Again, I was trying to do this all on my own as a young adult and did not feel as though all options were presented in an order that would be most beneficial to my future. Gradually, my payments keep increasing, and all this time I thought I was just stuck with this . Navient then too k over my private student loans from  XXXX   XXXX . I recently logged in to the website and noticed that the interest rate I am being charged is higher than was  XXXX   XXXX  was charging, and still my monthly payments keep increasing. If they were just taking over my previous loans, how can the interest rate be higher??
I disputed 1 item on my report. The notified me that the investigation was complete. I was to go online and get the results. I have not been able to get the information online. When i finally got the number to call they said the had many complaints of the same nature. It has been over a week and still nothing. I am still unable to obtain credit because of a misreporting in equip. I have had credit for 35 years and never never a problem I am at a loss as to what to do.
I received a notice from XXXX XXXX XXXX XXXX. today, XXXX XXXX for the first time and the notice is dated XXXX XXXX offering me Tax Season Discount Opportunity to pay account balance of {$8600.00}. According to the notice, Citibank was the original creditor. I have lived at my current address since XX/XX/XXXX and this is the first time I have been contacted about this debt. I also have a freeze on my credit since around XX/XX/XXXX and I have no collection on my credit report. I do not owe any debt that I have not paid. This collection agency failed to first write attempting to collect a debt letter. This collection agency failed to grant this consumer the opportunity to dispute the debt. This collection agency demanded payment whether or not this consumer in fact did owe this debt. I dispute owing the debt in question. Thank you.
I attended a presentation in XXXX, and the company ran my credit card for almost {$31000.00}. I did not authorize the charges. I revisited the merchant after seeing the charge, they provided me a letter stating they would refund my monies. this never occured. I called Citibank my card issuer, opened a fraud dispute at the customer service reps advice, heard nothing until XX/XX/XXXX where the case was closed as they stated this was not fraud it was billing dispute. I did speak with the investigator, she asked me to send in a notarized copy of the situation and then I opened the billing dispute. Weekly I have been contacting Citibank with no resolution, and this week they told me that too much time has elapsed and they could not assist me. there was not any moment I waited longer than 48 hours to return any documentation they asked for, and the initial charge back was open within 10 days of the charge. Since XX/XX/XXXX the merchant has disconnected their phones and removed website. I have asked the issue for arbitration, and they have told me I can not request arbitration on this issue as they need to open arbitration with the acquiring bank.
Can a debt collection report something to XXXX of the credit bureau 's before XXXX months after it become ( delinquent ). I had to move from my housing complex and I did not get in touch with my ex landlord for XXXX months after I moved. It was not my intention not to settle this matter at all, and I do n't fell that it was wright for a collection agency to report it to the credit bureau because when they called me I did not agree to settle it with them. I told them that I would contact the creditor to make a payment plan with them.
I have been trying to repair my credit. I have contacted this company for months, several times per week, at different times per day. I have left multiple voicemails on what sounds like an extremely unprofessional, unverifiable collection agency. I just want this removed from my credit report as I am trying to repair my credit and purchase a vehicle. I do not want to go through this agency to repay this debt as Im concerned by their negligence to help me solidify this debt.
RushCard started a system update on XXXX XXXX that was to be complete on XXXX, it has been a week and the update has caused huge problems for cardholders. My direct deposit from work showed pending starting XXXX XXXX, 2015 and posted on XXXX2015, however the card has been showing inactive for a week. When you call customer service if you reach someone, they read this scripted message about a glitch in the upgrade and transfer you to another department which then rings and hangs up or you 're on hold for an hour or more and it just hangs up. I spoke to someone today, she pulled up my account told me how much my direct deposit was, showed it was posted but the card needed to be activated, transferred me to the activation department and the call went on hold for about XXXX minutes and then hung up. Now when you call the automated system has you put in your info, transfers the call, it rings a few times then disconnects. I have bee a RushCard member for a little over 2 years. I need to have access to my money. I have done everything RushCard has instructed me to do with no resolution to this matter. I know that thousands are affected by this and we need some help.
I was sued by the original creditor XXXX XXXX in the state of VA. It took a while but the lawsuit was removed from my credit report. The account was also removed, but they keep putting it back on. It has been removed from XXXX as of now but is still reporting on the other sites. I would like them to remove the accounts and have the lawsuit removed from my record.
I would like to report a women that has stolen my identity and continues too use my i to get apartments and houses in my name Ive never stayed in XXXX. 
here are the add. XXXX XXXX XXXX XXXX Fl XXXX. 
XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX FlThis is ridiculous that these apartment complex are not asking for proof of income to prove furthermore the identity of the person as well clearly look at the picture and see that its not the right person. I am furious and she has cause me many sleepless night I would like to press chatrges
Approaching my payment period, I began looking at of my loans and was rather confused. I first set up my bank account- which I found out later was the incorrect routing number ( my fault ). However, upon the payment bouncing back due my incorrect bank account number. I was called multiple times basically being chastised that something was wrong but they would not help me figure out the solution. So eventually, I retyped all of my account information in a second time but then at this point I had to pay double payment which I am thankful I had enough money. I do not think I should have had to double pay when they could not help me figure out what was wrong. Furthermore, I continuously called to check and try and solve my own problem. On top of that Navient gave no further assistance on my military payments when I thought I needed at XXXX for my taxes they had no clue or any direction. They only focus on what they need and do not care about customer service or finding a correct response. Also, I believe there should be a calculator for students on the site for them to try to pay off their loans before 10 years to save loads of money on interest. So many students will default on their loans because of this. They do not assist you with paying them back at all just complain until you do.
My loan repayment has a due date of the XXXX but there is a 10 day grace period for late payments. I make my payments on or around the XXXX no later than the XXXX of the month. I continuously get back to back calls from their customer service center. The calls start at XXXX and end at XXXX : XXXX EST. On XXXX I was called at XXXX : XXXX and my payment has been paid for the month with the payment for next month XXXX XXXX XXXX scheduled in the system. I am tired of being harassed for the payment when I 'm on a payment plan. I 'm doing the best I can. 
Thanks
My checking and credit card account where inappropriately closed when I attempted to transfer in money from an outside account. This is my second appeal through CFPB with me attaching proof of my outside account. I 've contacted Navy Federal multiple times and only received generic responses with no assistance in resolving and reopening my account. During the initial appeal I was told to contact XXXX XXXX which I attempted several times with no answer or return call.
There are several inaccurate statements regarding my personal information on my Experian credit report. I tried to dispute these online, but their system tells me that the issues can not be addressed online, and gives me a telephone number to call. I called that number, and none of the " robo '' options address personal information, and there is no way to get a human being on the line. In short, they are reporting incorrect information and giving me no way to dispute it.
My bank reversed a payment for {$110.00} on a Paypal Mastercard by mistake. XXXX immediately restricted by XXXX account, which they claim is separate from the Paypal Mastercard credit card. They told me I need to verify that bank account an submit a request that XXXX payments be sent from XXXX to confirm that bank account. XXXX never sent the small deposits. It has been over two days. When you go to the XXXX website, I can not see what purchases were billed on the card. I had to search the site to find a link to view the credit card statement. Why did XXXX restrict my account and not the credit card company Synchrony Bank, Paypal Mastercard? XXXX sent an email to customers some time ago that XXXX and the credit card were XXXX separate companies and would be treated as such. This is not the case. I have done everything I was supposed to do.