WillisBack/dataset-financial-user-claim huggingface dataset:
I recently discovered XXXX XXXX  was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did XXXX fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached XXXX on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.
I have never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX, as is erroneously reported on my Experian credit report. I have also never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX. I need for XXXX of these address to be removed from my credit report. I have also legally changed my name from XXXX XXXX to XXXX XXXX. I have provided my creditor with this documentation and they have not updated my name on my records.
I incorrectly paid the wrong credit card company and they have not refunded the payment. They agree they owe me the money, but have not set any kind of a deadline or firm process for the refund. Citibank owes me {XXXX}. The payment was sent by XXXX XXXX on XX/XX/XXXX, I called Citibank on XX/XX/XXXX when I realized the error and they said the funds would be returned quickly, once it posted. I was called on XXXX by the customer service person who had taken my call the day before and she told me the payment had posted. She said a manager would review the issue and the refund would take 2-3 days. A manager did n't review for several days, but approved the refund. When funds did n't show up in my checking account, I called and was then told there had to be " an investigation '' that could take several weeks and once the " investigation '' was completed, it would take 2-3 days to refund the money.  Citibank does n't appear to have a serious intent to promptly return the funds. 
The credit card was paid from an account with XXXX XXXX and they opened case # XXXX on XX/XX/XXXX. They have not obtained any information to this point either. I do not wish to have this dispute drag on when Citibank has admitted they owe the refund.
Usaa bank and its evil CEO XXXX and XXXX XXXX ( ext XXXX ) illegally closed my account down after being identity theft then kept over {$15000.00} in my accounts
I put a freeze on a number of years ago and need to temporarily remove it because a potential employer needs to pull my credit. My issue is equifax, I do not know my PIN and can not retrieve it or get the freeze lifted. 

Its clear that the credit bureau does not benefit from a freeze, its clear they are making the system impossible to navigate so people will not use it. I can not get the PIN, I have started 4 chats but there is no rep to chat with, a dead line. 

I want to file a formal complaint for fraud because I have paid for the freeze which is a contractual service paid for an expected. they are not providing that service and also making the service so impossible to navigate that they want people to remove it. 

The payment for a service and not providing it is fraud. I want to file a complaint of fraud on the president and CEO of equifax personally
In regards to Case number : XXXX. What they 're telling me is not an ethical solution. I am not going to be paying interest on a card for 3 months that ca n't be used. There is no such clause. Nor is it legal. Now if they want to cancel it they cancel the balance as well. I am paid up. They are fully aware of what transpired. Furthermore the balance is incorrect. There have actually been balance issues all along as far as the monthly statements go. I called a XXXX who left a voicemail. She never returned my call. Today I received your email with their resolution of 3 months of payments.
XXXX XXXX XXXX XXXX ( Pinnacle Credit Services LLC ) Sent me a letter dated XXXX/XXXX/2016 Stating " The law limits how long you can be sued on a debt. Because of the age of your debt, Pinnacle Credit Services LLC, will not sue you for it, and Pinnacle Credit Services LLC will not report it to any credit reporting agency. However this alleged debt is still being reported on my credit report
Every year since I have been forced to use Wells Fargo as my mortgage provider, the company has tried to raise my monthly payment due to, in the company 's description, an escrow shortage. For years I have made an '' Escrow Buydown '' payment ( essentially an extra house payment ), so my monthly payment will remain {$740.00}. As an experiment, I switched my home owners insurance to another provider at a significantly lower cost only to receive another notice from Fargo that my escrow is short.The company has an eloborate plan to raise its customers monthly payment. Most people will agree a Fixed Interest rate is not an Adjustable rate, but Fargo makes no distinction between the two.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Date opened XX/XX/XXXX Amount of {$4700.00} this has been a battle since XX/XX/XXXX when I discovered this account. When I received a phone call demanding payment. When I called Discover card last week, they told me the reason I received a bill, was because they could not invalidate or validate fraud so I was held liable for this account. I said so you want me to pay you money for something I never had never used? The guy I was talking to from the fraud department said well someone has to. I asked is there anything I can do, and he said no because we can not invalidate or validate that this was fraud. I asked him to reopen fraud investigation, and I receive a letter stating they can not do so without additional information. I asked the guy what more can I do. I already made a report with the Federal Trade Commission. Im going on XXXX years old I dont know what to do. Please help me. I 'm on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. This is not the way I want to spend my last bit of life. Please help me.
I have mailed and faxed a copy of my police report to portfolio recovery to show the account was opened due to fraud but I have not received a response and it is still on my credit report.
We attempted to sell our home in a short sale. On XX/XX/XXXX, Shellpoint Mortgage informed us that our short sale was approved, with an offer price of {$500000.00}. Due to an issue with junior lien payoffs, the approval letter expired, and we were forced to start the short sale process over again in XX/XX/XXXX. After several months of back-and-forth regarding a document that Shellpoint had originally approved, but later demanded needed repeated conflicting edits, we were informed that all documents were submitted into the file. Shellpoint then told us that while we were working on the edits to the document, the broker price opinion had expired and needed to be renewed. They then told us that the BPO came back with a value of over {$640000.00} - an increase of {$130000.00} in four month 's time. We sent in a value dispute and they refused to review it. They are now setting a foreclosure sale date on the property. We reviewed the BPO and found the comps to be questionable in that there were several comps in the area that presented a more similar and accurate representation of the value of the property, which was closer to the originally approved offer price. We believe this is an attempt by Shellpoint to manufacture a reason to decline the short sale to take back the property, and/or a lack of due diligence on their part.
I am still enrolled in school and American Education Services is reporting that I am 90 days late on payment for my student loan. I have called them and they still have my information in their system as being in deferment however all XXXX of my credit reports are not reflecting. I need this to not appear on my credit report because it is reporting {$11000.00} as 90 days late which is very damaging.
Conformation # XXXX I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of FCRA-they are required to " promptly delete all information which can not be verified '' that i have disputed. please resolve this manner as soon as possible. Thank You
I applied the American Express XXXX XXXX  credit card at XX/XX/2018. According to the advertise of this credit card, I should be able to Earn XXXX XXXX XXXX  Bonus Points as welcome bonus after you spend {$2000.00} in purchases on the Card within first 3 months of Card Membership, and I am charged with {$95.00} membership fee.

However, after I spend more than {$3000.00} in first 3 months, I didn't get XXXX XXXX XXXX  Bonus Points. I call the company and I am told that the welcome bonus of XXXX XXXX XXXX   Bonus Points was rejected when the card was approved at XX/XX/2018, without any notice to me. I am not informed with this rejection till recent and I spend a lot of money on this card after the card is approved. If I was noticed the rejection of the welcome bonus, I will not use this card last year.

I already call the American Express twice to solve this issue but they refuse to refund me the XXXX XXXX XXXX XXXX  Bonus Points.
On XX/XX/2018 my wife and I went to XXXX XXXXXXXX XXXX in XXXX, WA and ordered drinks in the amount of {$29.00}. When we left -- in a hurry -- we filled in the total to be an even {$30.00}, and signed for it. When we got home, we calculated that the tip was only {$0.00}. However, we discovered that they charged us a total of {$35.00}. I disputed the overcharge with CapitalOne and they immediately made a purchase adjustment on my account in the amount of the extra {$5.00}. The same day, the XXXX, I scanned my receipt and uploaded it for them to pursue the case ( Case number : XXXX ). Without further communication, on XX/XX/2018, I was charged for a " transaction rebill '' in the amount of {$5.00} for the Dining purchase made on the XXXX.
I have a private student loan with Wells Fargo Bank, Thus far they have attempted to collect my debt from ONLY XXXX co-signer. The one who happens to be the richest our of all of my co signers ( I only have XXXX loans and XXXX co signers ) I am trying to consolidate the XXXX loans. They have rejected the XXXX co signer I have ( My spouse ). I am an XXXX and do not have anyone else to offer up as a co signer. When I explained this to Wells Fargo, I was told that did not matter that I would have to find a co XXXX or pay the monthly payments as they are written out per the terms of the loan. I have gotten them to verify that they are charging me XXXX the interest rate that was agreed to. When asking for an explanation they had none. All I am trying to do is lower the payment, what they want and what I can afford are XXXX different things. Currently my XXXX in Federal Loans is cheaper that the XXXX I owe to Wells Fargo. Wells Fargo has admited to not contacting me to advise that loan payments were due, They contacted my co signer and advised him that he was required to pay the loan in full or be subjected to a negative credit report. Today I called Wells Fargo again attempting consolidate or re negotiate my loan pmts. I was told that there was nothing that they could do until I found a new co signer.
Progressive Financial Services XXXX Inc. and I agreed to the minimal payment of {$5.00} a month on an overly inflated student loan total of {$59000.00}. I work 20 hrs a week at $ XXXX. I pay rent, phone and the IRS. I can barely buy food. I was told that I was eligible for the {$5.00} a month plan. So I faxed them a doc of income, pay stubs and references as they requested only to get a phone call saying that my monthly payments will be {$27.00} a month instead. I told them that 's not what we agreed on and I can only afford our original arrangement and the agent kept trying to " talk '' me into it and threatening to garnish my wages if I do n't pay the {$27.00} a month. I told them no deal and now they are constantly calling me, several times a day, at all hours of the day and never leaving a message. 

I thought that if I offer what I can pay and they accept that, they would finally get off my back and take my loan out of default. Not try to reel me in under false pretenses.
I get two to three robo-calls a day from the CBE Debt Collection Group. When I answer the phone there is no one on the line, just a prerecorded message telling me to call them. I have no one who has claimed that I owe them anything ; I have no one warning me that they are turning a debt over to a debt collector ; I have no outstanding debt ; and I am certain this is a phishing expedition or scam, and I am not going to call the CBE Group to reinforce their manipulative tactics and questionable motives. If they believe the CBE Group believes it has a claim against me they can write me a letter explaining their claim and provide documentation or they can call and talk with me directly, but I will not initiate contact with them. I want their harassing calls to stop.
To whom it may concern, My situation, like so many others, seems hopeless and endless in dealing with Navient Student Loan company. Over the years, I have attempted to repay student loan debt only to find myself with more fines, more interest, and rising monthly payments beyond my ability to meet. I finally in desperation contacted the student loan ombudsman group who helped me in determining that Navient had arbitrarily doubled my student loan debt through a fraudulent student loan consolidation program. Upon attempting to resolve this issue with Navient, I have been met with outrageous bills, increasing interest and penalties, and gotten no further in attempting to resolve the issue. My credit has been destroyed, and financially I survive month to month. I am a XXXX American with XXXX ; I work as hard as I can, do not receive XXXX benefits from the federal government, and contribute at the level I am able given my limitations. I need advocacy in order to financially survive and find some way to escape the unethical and abusive practices of the student loan company, Navient. I hopee that you would please help me in my pursuit to become debt free and feel like I can live a normal life without the threat of financial ruin day to day. Can you help me? 

Sincerely, XXXX XXXX XXXX
Funding at Toyota Financial Services in XXXX, XXXX. We are in charge of reviewing the lease agreements and contracts that come in from XXXX customers who buy or lease a vehicle. Within the State of XXXX, consumers are given a trade in sales tax credit for their prior owned or leased trades. XX/XX/2015 Toyota got word that the WI tax rules had changed but did not update their systems. When calculating the taxes, myself and a few others noticed that XXXX dealerships, XXXX XXXX XXXX, XXXX of XXXX and XXXX of XXXX had their customer 's taxes coming in at lower amounts. Upon further review, we discovered that it was because those dealers had updated their systems to reflect the new tax laws. 
This means that a new tax calculation worksheet needs to be created. 
It was, however was only used for those XXXX dealers. The rest of the dealers use the old one. 
This did not sit well with me and I provided examples to management who admitted that there was disparate treatment due to the fact that if you purchase or lease from any other dealer, you would be paying more per month in monthly sales taxes than if you were to pay at XXXX of these XXXX dealers. It is now a year and a half later and the dealers have not been instructed to update their systems and I have constantly been told that more information is coming. I am told we will be discussing this soon. 
In the meantime deals are being booked everyday under management 's eye knowing that there is disparate treatment being done in the State of XXXX. You have tax XXXX worksheets being done and if you are unlucky enough to buy from another dealer, you may be paying more per month in sales taxes. 
I am no longer employed by the company however, just as I did when I was employed, I knew this was wrong and I brought it to their attention. 
Now that I am free from speaking out against them per policy, this is to help all the people in WI know that us other small people are on their side and we do try. Corporate America just does not care.
I am trying to apply for a loan with XXXX XXXX. Equifax has a lock on my credit file, and I have contacted them twice to get the file unlocked. Note that it is almost impossible to reach A LIVE AGENT AT equifax. Two week ago I was told that to unlock my account they would be sending me a PIN code. It never arrived, and now my XXXX XXXX loan has been rejected due to their inability to see my file at Equifax. 

In XX/XX/2017 the same thing occurred with another bank trying to access my Equifax file. The two other Credit Reporting agencies have NOT been a problem at all. 

Equifax needs to unlock my report, and they refuse to do so, causing me financial harm.
We closed a loan ( mortgage ) with CitiMortgage in XXXX XXXX. A deed in lieu agreement was signed and recorded with the register of deeds in the county the property is located. A Satisfaction of Security Instrument document was signed by CitiMortgage, with wording that includes : this satisfaction terminates the effectiveness of the security instrument. Both of these documents are attached. CitiMortgage as of XXXX is saying this security instrument is open and we owe them an approximate sum of {$40000.00} as fees related to this loan. We have just become aware that CitiMortgage is now selling this closed loan to XXXX.
Capital One responded to my complaint # XXXX with the CFPB by stating that I was not " guaranteed '' an increase in credit line by manually applying. The conversations are recorded and I would challenge Capital One to produce that phone call because it can clearly be interpreted the way I am stating. They also state that someone explained the credit steps program, this is also a flat out lie. It was only explained after I asked for a Manager, then I gladly accepted it after he could actually do his job and explain his companies policies. I will not be called a liar by Capital One, if they have the conversations recorded which they do then they need to be heard by a third party. Obviously Capital One likes to interpret them as they see fit. I would like this reported to the SEC and FDIC.
Loan was taken out in XXXX of XXXX, I had also taken out the insurance that would cover the payments, if anything happened. In XXXX of XXXX I had broken my foot and was unable to work for over a year. I asked Tower if the insurance would cover the payments, and at the time they told to bring them medical records, and it would be covered. I had several problems with Tower loan doing the correct paperwork work to get payments made like they should've been. I was told ins only made two payments and the rest was on me to make even though I had taken out the ins to cover such things if they did happen. I had asked them at different times for a print out of payments that had been made by myself and the ins company and have never received one. I was issued a summons in XXXX of XXXX served by a deputy to appear in court in XXXX XXXX I called the XXXX XXXX XXXX   was told to meet XXXX XXXX at the courthouse on that day and she would have the agreement paperwork for me to sign stating I would pay 200.00 a month. I met with XXXX outside the courtroom and was told " here is the agreement for you to pay 200.00 a month sign here, I have to get back in there '', nothing was explained to me nor did I receive a copy that day. I asked if she was going to mail me a copy of the agreement, she stated yes and I have still not received a copy of the agreement. I started making payments of 200.00 a month in XXXX. XXXX I was unable to make a payment in XXXX. I was going mail in a payment today, XX/XX/XXXX, but had gotten a garnishment letter with added expenses making the total from XXXX to XXXX to where after paying down to XXXX they added XXXX more to what it was with an interest rate of 51.91 % being compounding now.
A few months ago, I contacted Navient about lowering my payment amount or interest, but was denied the possibility. It was difficult for me to repay at the time because I had just become a father and the expenses put me in a bind. Because I have a co-signer, I didn't stop making payments, but it was really a hard time. Now, I just had my XXXX baby, and times are harder than they were a few years ago. I tried contacting Navient again, and was denied any possibility of lowering my payments or my interest. I've been making payments for about 7-9 years and I have only made about a {$2000.00} dent in my principle. I need HELP! These people are thieves! I see that there are complaints about their forbearance program. It happened to me! When I was fresh out of school and XXXX failed to help in placing me with an employer, I wasn't able to pay. XXXX at the time, kept making me pay {$50.00} to put my loan in forbearance, and now I owe thousands in interest. It's all a big SCAM! Getting this " education '' has dug me into a hole financially.
I have sent letters to Bullcity Financial seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How does this company list this entry as data factoring when they are a 3rd party collection company and did not assume the debt prior to charge off? This company did not prove that the statute of limitations has not expired. Where are the documents that reflect my signature? Where are the documents that provide proof of ALL charges, invoices, or slips that prove indebtness to them? This erroneous, unverifiable, inaccurate item should not be reflected on my credit reports.
This company has been leaving me threatening messages, stating they will be coming to my home to give me papers. They have also contacted my daughter, who is emotionally unstable, questioning her for information about me and asking her to verify my social security number. They have also told her that I need to be home on XXXX XXXX because they will be bring me paperwork that I need to sign for. This scared her! I can not begin to tell you how upsetting this is to her. I have never received anything in the mail and have no idea what this company wants.