WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX of XXXX, I took out a payday loan with XXXX XXXX XXXX in XXXX, Indiana. The amount that I borrowed was {$600.00}. The loan was due to be paid on XXXX XXXX, XXXX. On XXXX XXXX, I and my family moved out of the apartment complex we were living in. I forgot to pay the payday loan that was due. I got a phone call from XXXX XXXX XXXX that this money was due. Instead of us going in to pay the loan amount due in person, the company always took the amount out of our bank account. There was not enough money in the bank for them to collect the money for the loan. That is when the problems started between us and XXXX XXXX XXXX. They harassed us about this money due. We did not hear anything from them for a while. I was going to try to take out a payday loan where I live now. When I tried it, they denied me because they said that it showed that I had an open loan out and I could not get the payday loan. I have called XXXX XXXX XXXX to try to get this settled. They gave me the number to their collections department. When I called the collections department, they said that they had sold my account to a collection agency. The person talking to me gave me the number to the collection agency. I called that agency and all I got was the person that I was supposed to talk to their voice mail. I left a message and he or she did not get back to me. I am still trying to get in contact with this company and am not having any luck. Please see what you can do to help me get this matter settled. I recently tried to apply for a payday loan and got the same answer. That there is an open loan out there and I can not get a payday loan because of this problem. Thank you in advance for your help.
My savings account was opened by removing funds out of my checking account by the branch manager in XXXX XXXX which is XXXX XXXX we then began a relationahip and he was being my personal banker then several days before my closing I had trouble removing funds from my savings account in XXXX XXXX XXXX they claimed I would need a photo I.D and basically nothing else could be done to get into my savings account by another branch manager which is XXXX XXXX so I had to have someone break into my house in Il to get a pass port so I could remove my funds from my savings account my wife made a money transfer from her savings account for tens of thousands of dollars without a photo I.D from her bank without any questions then granted her bank is not as big as Chase but I have been a loyal customer for over thirty years and have been treated miserably by both bank managers who can not see right from wrong and only the rules that have been set on their regulation paper only an agenda that has been set by Chases bank that has treated me like nothing more than a common number. Therefore, I have decided to go to a smaller bank after all this is worked out.
I filed a complaint with you over a month ago concerning the excessive charges on my citi card # XXXX and received a satisfying answer from XXXX XXXX of the Executive Response Unit saying all interest, late charges and membership fees were credited back to my acct. A balance of {$21.00} remained. I called her over 6x, leaving mess- ages, asking her what the balance was for as I had paid in full all my charges on XXXX XXXX of {$23.00}. She never returned my calls. On Sunday XXXX XXXX I called Citi 4x the last call lasting 40 minutes. The balance was reduced to {$10.00} but they could not tell me what it was for. The last call the balance was reduced to {$4.00}, again they could not tell me why I am being being charged. It 's amazing that an agent ( XXXX ) and a supv could spend so much time on the phone for such a little amount but they refused to remove the charge, even though they can not tell me what it is for. Obviously I will never do business with Citi again. Please help again!!! This is so aggravating and frustrating.
I own a home that is in foreclosure and wells Fargo holds the note.The bank agreed to a short sale postponing a bank sale date.My real estate agent contacted the bank ( wells Fargo ) with a contract to sell the home ( wells Fargo ) never responded and now there is another sale date set how can this be when all along they have agreed to a sale and without notice they have changed course and left us with a unproductive result and a sign contract for purchase they were agreeing to.
On XXXX XXXX, 2017, I found out that my personal information was compromised due to a data breach that affected Equifax over a month ago. Since then, I have been taking precautions, one of which is to freeze my credit. It is ridiculous that a company which I never interacted with is affecting me financially and that I have to pay for every credit bureau in order to protect my credit. In addition to this, to be able to check whether my information was compromised, I had to complete an arbitration clause that excuses accountability from Equifax.
Company is called Escallate, their phone number is XXXX, and they are calling BEFORE XXXX, today it was at XXXX, also, it 's an automated message, partially cut off, and I had to XXXX the phone number to find out who the company was.
I applied for a mortgage and my credit was pulled. My loan officer noticed a recent collection account at stellar recoveries for XXXX XXXX. I had no idea what it was but he gave me a number and I called it. They told me i had to pay it so i did even though it was n't my debt. I researched it further by calling XXXX XXXX and gave them the account number which is XXXX. They found that the debt was not mine and under someone elses name but said i needed to call stellar recoveries to have them remove it from my credit bureau and reimburse me for the {$250.00} I paid. I called Stellar Recoveries yesterday XXXX XXXX XXXX and they said that they could n't help me because it was paid and that i could n't do anything. I contacted the loan officer and he gave me this website. Please correct my credit report as soon as possible. If any questions, I can be reached at XXXX. Thank You, XXXX XXXX
I have had trouble with this account due to their system error that gave incorrect amount of days that my account was past due that caused me to pay over 30 days late and I also was told by one of their representatives that if I paid by XX/XX/2017 it wouldnt reflect a late payment. I have disputed with credit bureaus and have asked the company to fix this since they had a system errors. Multiple representatives have verified that they had a system error but still havent fixed this. I have been working on this since it happened on XX/XX/XXXX
Tried to call company this company is called asset care is not a real company ass ets care In  c. are scammers this company people are playi ng on phone this who ever they are called tries to take money they need to be investigated I do n't owe anything are any body they illegally put  XXXX  bad collections on my account no I want these removed asap and for you all to sue them for wrong practicing its against the law to put collections on ones account with out them knowing are knowing about it never received anything from them do n't now company. she says her name was  XXXX  refuse to give me any information about me just demanded money and very rude and bad threats no one should have to put up with this cruel punishment is horrible the things these people do to get money illegally this are these people are not who they say they are.
Compass Bank took {$7500.00} UNAUTHORIZED out of my XXXX XXXX checking account on XXXX XXXX, 2017 to pay towards my Compass bank Credit card which had a XXXX balance. I paid it off on XXXX XXXX, 2017. I have contacted them 4 times, each time being told it would take anywhere from 3-10 business days to give it back to me. They refused to give me a cash advance without interest or fee to cover it. This was asked for by a banker from a branch I went into yesterday. That is a LOT of money, and I need it back in my checking account. They basically stole it from me. They have acknowledged that is was unauthorized. HELP!!!
On XX/XX/2014 I opened an account with XXXX, I switched providers thinking everything was good with no money owed. I just created a XXXX XXXX and noticed I have a derogatory remark on my XXXX   and its affecting me to finance a house. However, I was never notified about this debt and never received a bill. I would like to address this immediately and get this negative remark removed from my report.
I was in the process of submitting paperwork for loan modification with XXXX Mortgage XXXX, after submitting documentation with Making Home Affordable to them with XXXX number XXXX, and received and signed by " XXXX, '' on XXXX/XXXX/16, XXXX mailed on XXXX/XXXX/16 ), when I received a foreclosure complaint from XXXX XXXX XXXX XXXX listed as plaintiff, by their attorney XXXX XXXX of Reimer Arnovitz Chernick & Jeffrey CO LPA in XXXX, XXXX, Summoned by XXXX XXXX with Case Number XXXX.
On XX/XX/XXXX, I received form XXXX from Coinbase, Inc. and the form shows excessively inaccurate transactions proceeds of {$770000.00} for the year of XX/XX/XXXX. My own records for all sales proceeds in XX/XX/XXXX only add up to about {$110000.00}. I also used the reporting service from a company named XXXX XXXX, which is contracted by Coinbase itself, to get an official tally of all my XX/XX/XXXX transactions. Their reported gross short term proceeds for XX/XX/XXXX from my Coinbase Pro is {$110000.00}. I immediately contact Coinbase customer service department and they told me I need to submit my complaint via email. I did so and got a case # XXXX. About a week later, the case got closed with no solusion offered. I opened another case # XXXX, and I was informed that my case had been forwarded for review. A few days later, I got a notification that the case has been resolved, but did not specify how, and what I would receive from the company. Therefore, I had to open the third case # XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a similar notification like the last time stating that the issue had been resolved and the case was now closed, and nothing further could be done. After the third attempt, I didn't know what to do because their customer service representative will not discuss about my tax form over the phone, and submitting request for review of my transactions via email didn't take me any where. I would really appreciate if you can help get the company to respond to my complaint, because I have been losing sleep and very stressful because I'm afraid this will create a big problem for me with IRS. 

Thanks, XXXX
Good Evening, I am currently working towards loan forgiveness via the PSLF program as an XXXX XXXX service member. I recently learned that 99 % of applicants were denied forgiveness for a very similar issue I have experienced. The first two years of my military service there was little information regarding the means to ensure compliance with the complex rules congress established for forgiveness. Further, the loan service company could not answer questions nor provide guidance. Merely through the assistance of an acquaintance, I learned that I must consolidate my loans in order to qualify for PSLF. Nearly two years of payments towards my initial loan payments, paid in the honest and fair spirit of the law, will not count towards loan forgiveness. I believe this is truly an unfortunate and saddening realization that clearly thousands of other public servants are facing. The execution of this program have failed those faithfully serving this great nation.
Chase sent a partial response to my complaint XXXX and I could not respond, therefore, for the record:XXXXXXXXThe response from Chase Bank is very typical of this company and the company tactics they promote to home owners in default wanting to refinance under the HARP plan. 
Chase knows who I am ... .... if the professional employees who work within the EXECUTIVE offices do not know how to do a customer SEARCH within Chase database ... .I guess that highlights exactly what is so WRONG with this company. 
Chase stalls, misleads, makes statements to loan owners that is NOT correct and Chase will not admit that Chase representatives make horrible errors working with home owners in default. Therefore, the mortgage errors become the home owners fault NOT Chase. Home owners then face auction sales, because Chase refuses to process HARP paperwork. 
IF Chase really does refinance under HARP then:1. Process paperwork on a timely manner to meet federal guidelines. 
2. STOP threatening home owners with wrong statements. 
3. STOP sending properties to auction - even when they are processing HARP paperwork. 
4. SEND loan modification plans to home owners NOT bogus plans that mislead home owners. 
5. Communicate accurate property values to home owners NOT bogus appraisals. 

If Chase was more accurate and honest with their COMMUNICATION I would pick up the phone and call them. However, as proven ( by written documents from Chase ) Chase verbally misleads and makes horrible statements to home owners. When a home owner challenges the wrong statements Chase only says " SORRY FOR THE CONFUSION, YOU MUST HAVE MISUNDERSTOOD WHAT THE CUSTOMER REPRESENTATIVE SAID '' Yeah right!
To Macy 's : I called the XXXX # and was told by a machine to call back tomorrow. I went ontoThe website and it crashed and posted a message to call the administrator. Frustrated! I have paid the same {$50.00} payment for a year fromXXXX bill pay. This month for purposes I can only assume is based on wanted to collect fees - my payment was applied to the XXXX Macy 's Amex account that has not had a balance in months. And I 'm charged a {$29.00} late fee! My payment due was {$29.00} - I paid {$50.00}. My due date was XXXX it was created on XXXX. I knew this was going to happen with all of the changes that Macy 's made. See my email in XX/XX/XXXX - I was watching my account closely so I did n't get hit with a late fee. I never guessed the payment would be applied to the other account. I want this corrected - my payments are never overdue and I do not want my credit harmed!! XXXX XXXX XXXX XXXX XXXX , XXXX oh XXXX. I am going to see by searching online how many others are living this nightmare!
I have attempted to dispute the debt of {$440.00} as it appears on my credit report ( s ) by sending a debt validation letter via certified mail in XXXX XXXX. The collection agency, TransWorld, Inc., responded by sending an itemized statement of services. I am bothered by this as this does not prove the debt belongs to me. My signature was not present on the document and this statement did not prove validation or ownership of the alleged account. It is also a violation of HIPAA laws as the aforementioned document disclosed PHI without a signed consent to release information. This is an illegal and reprehensible way to conduct business. If this dispute is not resoled, I may be forced to take legal action against TransWorld, Inc.
I had placed and order online with XXXX I used XXXX to pay to the purchasers I made. Now some items I received some items I returned and some items I did not receive period. I called XXXX went back and forth for about 8 months to get my refunds which until this day I 'm still being charged for by my credit card company after figuring out XXXX is stating they refunded me but not showing on statement I contacted my credit card company which is Barcalay 's filed disputes and it 's been a year and still I ca n't get them to take care of it and I 'm still being charged and I 'm still paying my monthly payments so wrong and unfair for stuff I did not even receive or returned and continue to have to pay..
I closed my XXXX  's account in XXXX 2012 after returning faulty bedding, Sleepy 's drivers abandoned said bedding on sidewalk in front of my XXXX apartment, which is illegal in XXXX, and I had to pay {$500.00} to immediately have removed by a third party so that my landlord and myself would not be ticketed and fined. I contacted XXXX 's corporate numerous times as they stated bedding was not returned initially and double charged me. XXXX 's corporate stated they would refund me and credit my account an additional {$500.00} for my cost to haul away bedding, which their drivers were supposed to do. I paid off my account and XXXX  's then changed from XXXX to XXXX to XXXX and now XXXX XXXX XXXX as well as being bought out by XXXX XXXX, now a collections company is stating I owe {$2400.00}. 

I would like to see itemized bills and receipts showing all purchases, all returns, the credit for the returns as well as the {$500.00} credit to reimburse me for removal of bedding from outside my apartment building, as well as all fees charged and all interest charged. I require itemized bills with my signature and all receipts and refunds separately and itemized.
XXXX, I charged off several accounts with XXXX in XXXX. The company stopped reporting my accounts as charge offs to the credit bureaus in XX/XX/XXXX. However, XXXX started back reporting my accounts as charge offs in XX/XX/XXXX. Also, started reporting duplicate accounts to the credit bureaus in XX/XX/XXXX ; which caused my credit score to drop by over a 100 points. 

I spoke with XXXX XXXX ( XX/XX/XXXX ) Sr Liaison, Credit Executive Office for XXXX XXXX XXXX XXXX XXXX stated, she would address the problems and their actions may have contributed to my scores dropping. 

As of today, the problem still hasnt been fixed. I have duplicate accounts being reported as charge offs and XXXX still reporting my accounts as charge offs from XXXX.
I submitted a dispute to both Equifax and XXXX online after receiving notification of an inaccurate collection via the XXXX credit monitoring service I subscribe to. After carefully following the online process and uploading HSA statements showing payment to the healthcare provider that the third party collection agency was purporting to represent, XXXX informed me that they were not able to handle my case via the online service, that that I would have to send in my dispute via post. Equifax appear to accept my online dispute. However, upon using their " check status '' functionality to confirm that my online dispute was being processed, I received a screen in forming me that " The information [ I ] provided does not match [ Equifax 's ] records so [ they ] are unable to process your request online. '' I receive the same message when I try to resubmit my online dispute. 

I feel that the credit bureaus -- Equifax and XXXX -- are making it unduly hard for me to challenge inaccurate reporting by the collection agency. I pay for credit monitoring to help make it easier for me to monitor and protect my credit rating. However, it seems as if XXXX and Equifax want to obstruct or discourage consumers from submitting disputes that they would then need to research, in the hopes that they will get frustrated and give up. This practice is not fair. It should not be more expedient for third-party collection agencies and creditors to post inaccurate information to my credit report that has real and damaging impact on my personal finances, than it is for me as a consumer to challenge inaccurate or dubious reporting. The fact that they both waited until after I filled out the online forms and uploaded my supporting documentation before informing me that I would not be able to submit an online dispute is especially frustrating. What criteria are XXXX and Equifax using to determine who is eligible to submit online disputes, and who is not? Should n't all consumers have the right to dispute inaccurate information on their credit reports through a means that does not unduly burden them? Should that means be the same for all consumers?
My Capital One credit card has been closed due to a mistake by Capital One and my request. My credit still reflects a balance, there should be no balance it was paid in full. Also Capital One agreed to remove this account entirely from my credit report.
this company showed up on my credit XXXX XXXX, 2016, I did n't authorize this XXXX XXXX Misc. 
Creditor Contact Details CREDIT PLUS XXXX XXXX, MD XXXX ( XXXX ) XXXX report on XXXX/XXXX/2016. I did n't apply for anything with
" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' It appears that my information was compromised per Equifax 's website.
I opened a Citi bank saving account prior to XX/XX/2016 ( during the promotion period and applied with promo code ) and transferred the required fund on XX/XX/2016 ( within 30 days of after account opening ). I was supposed to receive {$400.00} bonus for opening a saving account provided that I maintain a $ XXXX balance for 90 days with initial $ XXXX new money. However, after 90 days ( since the transfer ), I still have n't received the bonus. I did some research online and found many people who signed up for Citi bank promotion did not receive the bonus either.
My home has been illegally foreclosed in Sheriff sale by Ocwen Loan Servicing LLC. Since the XXXX of my husband in XX/XX/XXXX, I have been trying to apply for a loan modification but no one in customer care at Ocwen would help me. Since his passing and because he was the bread winner, I have been in distress and had difficulties paying my mortgage payments. However, not enough to warrant a foreclosure on my home of over 20 years! 
In XX/XX/XXXX I sent Ocwen {$3000.00} of the {$4600.00} dollars that they stated that I was in arrears. They sent it back to me and would not work out a repayment plan. I was not informed and had no knowledge that the foreclosure process had started on my home. I found out this information from a third party by the name of XXXX XXXX XXXX   XXXX and XXXX XXXX XXXX, this is the company that I attempted to hire defrauded me out of {$2800.00} because Ocwen refuse to assist me with the reinstatement of my mortgage. Ocwen customer no service and negligence has cost me and my family financial harm and health problems because of this situation. When I call them it takes several hours to finally talk to someone and then find out thats the wrong person to speak with about your issue. It takes weeks and months for them to return phone calls! 
The Attorney XXXX XXXX XXXX hired by Ocwen never notified me of any foreclosure proceedings on my home and ultimately sold it in XX/XX/XXXX. This is not the first time that Ocwen has illegally foreclosed on our property, it happened in XX/XX/XXXX as well. How can a company that has had so many billions of dollars in lawsuits for the same things be allowed to continue to do business.