WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX Closed : XXXX XXXX, XXXX + {$6900.00} Closed This account is still showing a balance on my credit report. I filed chapterXXXX bk and was discharged in XXXX XXXX, this loan was also part of the bankruptcy, I have spoken with XXXX many times but they keep reporting that there is still a balance showing, I want the balanace to show " XXXX ''. the vehicle was returned to them pior to filing the BK.
I have been paying on a {$48000.00} loan since XXXX with a current balance of {$35000.00}. I have paid {$160000.00} with {$150000.00} going just to interest. They tacked on {$29000.00} in capitalized interest over the years. 

I called to tell them that I can not continue to give them a huge chunk of my money that it was unfair that I was not fully informed of what would happen when I deferred payments in the past. I am older, sick and can not work as hard as I was anymore. I do not qualify for any forgiveness options. 

Their option to me was to file yet again for payment deferral. Are they crazy? If it wa n't for deferment this loan would have been paid off a long time ago. 

I was also informed that they will not work with me because my account is in good standing. I feel penalized because I care to protect my credit rating and came to them in good faith before defaulting on this loan. 

I feel so ill and so taken advantage of every month when I make my payment.
XXXX XXXX filed a lawsuit for a credit card claim which I did not make. Case # XXXX in XXXX County District Court in XXXX, Ky. Waited for over a year for it to go to court. XXXX 's lawyer showed up before my case and did not have any complaint for me and judge dismissed the case for lack of prosecution dated XX/XX/XXXX. My lawyer wrote to the three credit reporting agencies, XXXX and XXXX removed the bad claim but Equifax refused to remove the false charge. This has been going since XX/XX/XXXX and I have filed complaints to them every month up to XX/XX/XXXX. Supporting documents are available.
My husband used Wells Fargos XXXX application on Friday XX/XX/2018 to transfer {$1300.00} to my checking account. It said that there was an error and funds could not be transferred, but {$1300.00} disappeared out of his account. He called immediately and was told that they would open a claim for him, but that the issue should be resolved within an hour. 

It took over 24 hours for the {$1300.00} to show up as a pending transfer in his account, but there was still no notice on my account and the money was still missing. He called again on Monday XX/XX/2018 and was told that they could open another claim and that they would expedite the money into my account the following day as the status of this transfer in his account now showed that the funds had been transferred. 

I called on Tuesday XX/XX/2018 as the {$1300.00} had yet to show up on my account. The first person told me it would take 14 business days for my husband to receive the money back to his account. The second person I spoke to was part of the online customer service team and told me it could take up to 10 business days for my claim to be resolved. I asked to speak to a Supervisor ( XXXX XXXX ) who told me there was nothing they could do and I could file a complaint. She was extremely rude. I informed her that a check I wrote for rent would most likely bounce and that I was late in paying 3 bills because of this issue and she said there was nothing she could do about it because they didnt know when the issue would be resolved and if I was upset, I could file a complaint. 

Lastly, I was transferred to the complaint department. I was told that XXXX was an executive and she had the authority to tell me that the money would arrive in my account by the next day. She also said she would request that Wells Fargo look into covering late fees and bounced check fees. I asked her why they were not able to put the money into my account because it is a documentation glitch and our money should still be physically available to us and she said she wished the same thing as she was also dealing with this personally. I told her I felt that Wells Fargo has essentially robbed us as they were withholding our money. 

And now, we wait again after another conversation with Wells Fargo and prior empty promises to see if we recover our {$1300.00} tomorrow. We will be closing our accounts and banking elsewhere as soon as this is resolved.
Experian is reporting a bankruptcy on my credit report with the incorrect docket number that they have failed to verify. I sent a letter informing them to verify the bankruptcy not just stating that its " verified ''. I also enclosed a letter where the bankruptcy court stated they do not verify bankruptcies with the credit bureau. Experian violated my rights as a consumer.
I have had an account with XXXX XXXX for about 5 years now. Around 2 years ago we converted to using this card for all of our daily purchases due to the rewards program. Typically in a month we spend around 4-5k a month usually paying in full. The past couple months we have spent more than usual as we are in the process of buying a new house and selling our old one. During our entire history with this company we have always paid from the same bank account with NO returned payments. 

We recently closed on our house on XX/XX/XXXX and I made a large payment to pay the balance in full on the card since we had spent a little more than usual the XXXX payment was submitted on XX/XX/XXXX and has debited my bank account on XX/XX/XXXX. I was not notified until I called the company to ask why I was unable to use my card that they have placed a 10 day hold on my payment. After speaking with them I was informed that no one in the company had the ability to have this hold removed and the only reason I was given was I made a large dollar payment. I brought to their attention my banking history with them, the fact I routinely make larger payments on this card, and that it had debited my account already which means the payment cant be rejected but they still claimed that no one in the company could release it. I did request the company to provide the regulation that dictates they have the right to place a payment on hold for that long as I know this time frame exceeds what is allowed under funds availablity regulations. The customer service agent did not understand what I was asking for and could not provide that to me. 

This is not the first issue I have had with them. In the past 2 years anytime I have had to deal with someone in customer service they have been unwilling to resolve my issue or offering alternatives to assist me. One of these times the customer service agent actually told me that I was not a large enough client for them to assist me in what I was requesting. Another time I was told that if you arent happy with our policies then I should find another card. These issues were centered around a card that was lost in the mail and they would not provide any resolution other than canceling my card that expired that month and making me wait the 7-10 days for a new one.
I was contacted by portfolio recovery associates to collect a debt from a XXXX credit card account. Once the women, I believe her name was XXXX, got me on the phone she asked if I was ( gave a name ) and I responded yes. She then proceeded to ask if this was the last four digits of my social security number and I told her she could not just give out the last four digits of peoples social security number. She had every right to ask me to provide mine but could not just tell me the last four digits of the social listed on the account. She became very aggressive and insisted that she could do this and continued to do so until I agreed that it was my social. And then she proceeded to take the same steps with the address on the account. If she had called the wrong number she would have given that person my name, last four of my social security number and my address. Everything someone would need to start stealing my identity. This company is putting people at a very high risk for identity fraud and something needs to be done to stop it!!
repeatedly calling me at XXXX XXXX regardless of me telling them to stop calling this early. Im not ignoring their calls during other times of the day. tTey never call during the day.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$840.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$840.00} High Balance {$840.00} Remarks Account information disputed by consumer, meets FCRA requireme XXXX XXXX XXXX APARTMENTS XXXX XXXX XXXX, XXXX Closed {$1500.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX APARTMENTS XXXX Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1500.00} High Balance {$1700.00} Remarks Account information disputed by consumer, meets FCRA I am a victim of identity theft. I have filed a complaint with FTC and has followed all protocol for FTC. I have no knowledge of the accounts that was opened in my name.
UNITED REVENUE CORP I went through my medical provider and they paid the bill in full due to their mistake and now its in collections. It should have never been to collections as it was paid in full by my medical provider. 

Medical Provider : XXXX XXXX I contacted XXXX XXXX based on this issue and they took full responsibility, after it was escalated.
According to Equifax, my data was part of the recent security leaks. Their website provides no information, and to sign up for protection you must waive rights to file lawsuits.
There are so many inquiries on my report which I dont know because I came new and someone took advantage
Equifax has repeatedly ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Its been 60+ days and they can not properly verify these accounts according Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I 've disputed. Please resolve this immediately as its proving harmful to my credibility and deteriorating my peace of mind. Thank you
Issue Number 1. XXXX XXXX, I received an offer from a buyer to sell my house, unfortunately XXXX Bank did not give approval for the sale. The reason provided was that they could not establish the owner of the house based on my social security number. My loan was with City mortgage Bank before it was acquired by XXXX bank. The social security number in reference is the same that City Mortgage Bank transferred to XXXX. 
Issue Number 2.I recently made an inquiry via email to both City Mortgage and XXXX regarding my mortgage account with a personal friend. We did not get any satisfactory answer from XXXX banks in trying to reconcile the principal balance of the loan. 
There were XXXX loan modifications between XXXX to XXXX. According to my recollections, each of these loan modification was sold to me with the pretense of lowering my monthly payment. In reviewing with my friend, these modifications made the interest rate to go up, the payment and the term of the loan as well. At the end of the day, the initial loan principal of {$120000.00} beginning in XXXX increased to {$140000.00} in XXXX The current value of the house is estimated to be around {$82000.00}.
Hackers stole sensitive financial data and my social security number from Equifax and company failed to alert me.
Capital One took {$3600.00} out of my bank account as a payment for one of my credit cards. I did not authorize this transaction. The payment was supposed to only be {$110.00}. I have tried 3 different times to be refunded. They admitted it was their error, contacted my bank to make sure it cleared my account, but now keeps telling me the refund department is behind in their processing. It only took 2 days for them to take the money and it's been 10 days and still no refund. Need help.
Please investigate the following accounts, and have them send me what they have in there database that proves the following accounts are mine. To my knowledge none of these accounts belong to me. 

XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
My monthly, 30 year fixed mortgage payment has gone up from {$860.00} to {$970.00} due to an increased amount going to escrow. A small part of that change has to do with an increase in insurance cost ( which is fine ) but the majority has to do with an increase in taxes. While taxes increases can happen, the amount of the increase is primarily due to Imortgage ( website : http : //www.imortgage.com/ ) using the valuation that was given to them from the leasing company and not the most recent appraisal value when giving me an estimated payment amount. In short, they used the valuation from when the previous owner bought the property to estimate my taxes, and since prices went up considerably in that time ( the previous owner bought the house at the bottom of the market in 2009 ). their estimation of my monthly payment is now drastically off. If they had given to me a more accurate estimate of payments based on the actual appraisal, I would never had bought the house ( it is an investment property ) because the costs would not justify the income. I believe what they did was intentionally deceptive in order to push the loan through. I can provide all details and documentation if requested.
My mom 's home is trying to be foreclosed on. And Ocwen Loan Serving is ignoring me. I have the direct number to the Acct Mgr and XXXX XXXX in the Office of the Consumer Ombudsman and Still ignoring. I have called multiple days and left many messages. My mom died XX/XX/2018 and the home was in probate from my dad 's death. My mom 's death was very unexpected and I want to pay off the home and Ocwen will Not work with me. They won't even return any calls. I have received email messages only and that was right at the time my mom was sick and trying to get property in her name from my dad 's estate. Ocwen only lies and says they didn't receive my dad 's death certificate. While I was trying to help mom ( I myself, sent it certified And faxed it ), so I know for a fact they received the paper work but just do not Wish to help consumers. Ocwen 's main goal is to take homes. I will be talking to a lawyer now but I want to go on record with this issue so that when this goes before a judge, it is documented that I have made multiple attempts over many months and to show that they were not willing to work with my mom as well. We are willing to pay it off but Ocwen is only trying to make it go up. I've received a pay off of XXXX if they keep waiting, the pay off goes up. This is ridiculous!!! With so many people complaining about this crooked company ... why the XXXX does the government allow them to keep robbing people?? I will be posting this to every place I know of.
Citi does not allow you to pay your pending charges before they post on your account, meaning they will always be able to charge interest at the end of the month regardless of a customer 's ability and willingness to pay off the balance. 
Also, the customer portal does not allow all cardmembers who share an account to see the transactions made by other cardmembers. Truly a terrible system, as there is no ability to watch for fraudulent transactions without logging into XXXX accounts. We have had the card for a couple months, but we will be going back to XXXX XXXX tomorrow.
We initiated an auto loan with Chase approximately two years ago. We started making payments through automatic bill pay at that time. We thought at that time that we were being very dutiful by paying on the first of the month. Well, upon recent inspection of my credit report, Chase claims we have been a full thirty days late the entire term of the loan. Effectively, when our payment is made it has been for the previous month 's bill. Now Chase Auto has made a claim on our credit report that we were 30 days late XX/XX/2016. When I asked customer service why they have n't called or written a letter explaining this inconsistency, they claim they have called ( even though I have NEVER received any call from them ) I am currently trying to buy a house and this report on my credit is holding up my application, and obviously hurting my good credit.
My account is blocked and I asked to close the account, they refused to close the account, asking me to send information to them ... I dont want to send them anything, I just want to close the account
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) is disputing XXXX XXXX ' claim, which has bee referred to XXXX XXXX XXXX XXXX XXXX, that XXXX XXXX XXXX owes XXXX XXXX {$740.00}. As we have told XXXX XXXX repeatedly in several e-mails to that company, XXXX XXXX XXXX does not believe that it owes more than {$160.00}. Until XXXX XXXX produces a contract that shows otherwise, XXXX XXXX XXXX will not pay any more than {$160.00}. Below is an explanation of our position : XXXX XXXX XXXX available accounting records show that XXXX XXXX XXXX was doing business with XXXX as far back as XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX 's monthly bill rose from less than $ XXXX to $ XXXX. The difference between XX/XX/XXXX and XX/XX/XXXX was nearly an astronomical 13 %. When XXXX XXXX XXXX realized the huge jumps in XXXX   bills, XXXX XXXX XXXX explored the competition and investigated XXXX. XXXX XXXX XXXX ascertained that the competition was charging half XXXX rate for better service and that there were hundreds of reviews on-line by XXXX customers complaining of similar price gouging by XXXX. XXXX XXXX XXXX complained to XXXX about its substantial yearly cost increases. In response, the company did not produce any documentation authorizing it to raise the rate for its services, much less apologize for basically taking advantage of XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX notified XXXX XXXX that it would no longer require trash collection from that company. At that time, a XX/XX/XXXX invoice for XX/XX/XXXX service was outstanding. The total bill for XX/XX/XXXX was {$660.00}. Because of the XX/XX/XXXX notice, XXXX performed only a quarter of the service covered by the outstanding invoice. Accordingly, XXXX XXXX XXXX position is that XXXX  XXXX XXXX owes only one-quarter of {$660.00}, or {$160.00} ( subject to XXXX producing a contract or other basis for legal entitlement to more which, despite repeated requests by XXXX  XXXX XXXX, XXXX has failed to produce ). 
We are deeply concerned that XXXX has been increasing the charges to XXXX  XXXX XXXX for over a decade at levels that were not authorized by our initial agreement with XXXX. XXXX can not possibly have had a right to increase our bills over $ 141 monthly rate that is reflected on XXXX XXXX XXXXs books. While we are concerned that XXXX actually owes XXXX XXXX XXXX funds ( perhaps thousands ), we have generously offered to pay {$160.00}. XXXX has declined our offer. 
As XXXX XXXX XXXX has informed Republic, XXXX XXXX XXXX is a nonprofit that operates on a very tight margin. XXXX XXXX XXXX can not afford to just give XXXX several XXXX dollars more than XXXX XXXX XXXX legitimately owes.
I have recieved 3-4 calls a week since the beginning of the month at random times, anywhere from XXXX to XXXX. Upon answering the phone and saying hello no one answers, I can hear ringing and such in the background but after saying hello 2-3 times they just hang up. They just continue to do the same thing over and over again. I do n't know what company this is or what they are trying to collect from me. The only information that I have found is when I call them back they tell me that the company is EOS CCA. I refused to talk with them because of the random and harassing phone calls I have been receiving.
XXXX XXXX it was reported that Equifax leaked XXXX XXXX consumers ' records in their possession. I have not been told if I have been affected, and my data is possibly vulnerable.
I am a XXXX XXXX  customer from last 2 year and holding cash back credit card with XXXX. I have paid all my credit card bills fairly on time without a single fail, making good salary deposit every month and maintaining a good checkin account balance with XXXX. In last few months I applied for few credit card and all got rejected. While checking with XXXX XXXX, they mentioned my credit card number for Bank account and Credit card account was linked with wrong SSN and they corrected it immediately few weeks back. While checking for my credit report through XXXX XXXX or XXXX  it doesnt show my credit report. I am quiet frustrated with XXXX at first place how come a financial bank make mistake in putting wrong SSN number and is bank not liable to make SSN verification for any new bank or credit card account. It is screwy my credit history and not able to get any new credit card or get loan.
I am a victim of victim of identity theft and fraud. My XXXX XXXX account was subjected to fraudulent activity, I applied for the card but never received the first card. That card was stolen from my mailbox and incurred fraudulent charges without my knowledge in XX/XX/XXXX-XX/XX/XXXX. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. Last XX/XX/XXXX, I faxed my FTC report, copies of my IDs and a letter requesting to this company that the incorrect, fraudulent, derogatory information resulted from fraud/identity theft be removed from my report and asked this company to comply with FCRA 605B, which requires credit reporting agencies and creditor to block such information resulted from Identity theft. It is already the XX/XX/XXXX and nothing has been done. Attached to this complaint is a copy of what has been sent to them last XX/XX/XXXX and what I sent them again today XX/XX/XXXX ( sent them another request and a NEW FTC report and my IDs ). I am willing to take this further and am filling up an SC-100 ( Small Claims ) to have it ready to be filed if this issue still continues and if this company will still not comply with FCRA.
I have submitted multiple letters to Equifax requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX. Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from Equifax providing the proper validation of the debt.
I HAVE DISPUTED THIS ISSUE WITH EXPERIAN BEFORE AND THEY STILL LIST THESE INCORRECT ACCOUNTS ON MY CREDIT REPORT. I JUST WANT THEM TO EITHER SHOW ME THE DOCUMENTS THEY SAY THEY USED TO VERIFY THIS INFORMATION OR FOLLOW THE LAW PER FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THEM IMMEDIATELY.