WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled a copy of my credit report and found the following items to be in error : Payment history is incorrect for XXXX XXXX XXXX   account ; Payment history is incorrect for XXXX XXXX XXXX account ; 30 date late is incorrect for XXXX XXXX XXXX   account ; Per the Fair Credit Reporting Act, I demand that these items be investigated and corrected as individually requested from my report. I understand that you will verify these items with the creditor who has posted them. Please delete or correct any information that the creditor can not verify as I have instructed. I understand that you must complete this reinvestigation within 30 days of receipt of this letter and have results returned to me within 45 days. Please send a COMPLETELY UPDATED copy of my credit report to the above address. According to the FACTA act, there shall be no charge for this updated report.
identity theft.

unauthorized inquiries on report.

in attached police report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
My information appears to have been stolen in the Equifax hack. However, I do n't want to relinquish my rights to potentially sue, which is what signing up for their monitoring service entails. The CFPB or other agency needs to force Equifax to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
daughter received loans from wells fargo, daughter does not reside in this house. i constantly receive calls daily from wells fargo, XXXX, north dakato when answered, their computer/person hangs up ...
I recieved an offer to finance an automobile through Capital one. I have received these offers continuously for about 2 years now. In this same time period I have been DENIED a credit line increase multiple times. How can my credit be good enough to finance a car but not good enough to increase my credit line? Is it my age ( XXXX ) or Military status ( Veteran )? I really want to know.
Navient .... do I need to say more!   They have harassed our EX-in-laws to death!  XXXX  &  XXXX   XXXX .    XXXX . The  XXXX  are now threatening legal action against  US!    YES! My daughter  XXXX   XXXX  -  XXXX  owes this company LOTS of student loan money. She is an UN-employed  XXXX  living  XXXX  knows where!   When she was employed she made her payment timely. When she was n  't, Navient would n't work with her for a repayment plan - without her co signers last 6 mos. of bank statement and paycheck stubs!!!!! WHY would they need MY financial history when SHE is willing to re-pay?? I am in bankruptcy and my house is in foreclosure. I am on a medical leave and have n't received a paycheck in 5 months.
You cant get blood from a turnip! If Navient practiced   the same repayment plan as ANY federal loan  - Meaning Federal  loans in repayment are so easily negotiated.   Instead Navient hounds, humiliated and harasses!
1. XXXX XXXX XXXX They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month  minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 

During this process the credit bureaus lowered my credit score by 100 points, then XXXX, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information XXXX XXXX XXXX XXXX me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from XXXX claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from XXXX and XXXX. 


2. XXXX XXXX Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost XXXX.
I have an account with Coinbase since XX/XX/2017. My identity got verified, and I started adding money to this wallet and transacting in cryptocurrencies. On XX/XX/XXXX, trading was XXXX on my account when I tried to add a new bank account. I sent in requests to check what the issue was, but I never received a response. After a few days on XX/XX/XXXX, I finally was able to get a hold of a customer care rep on the phone after holding for XXXX hours, who gave me a case # XXXX. She told me that she had expedited my case and specialists would be looking into the matter, and it should be solved within XXXX business days. By this time, I was not able to log into my coinbase or XXXX account. I was not able to access any of the funds in my account, conduct any transactions of buys/sells, or transfer my money to a different platform. I didn't hear from them for another month. I called customer service again on XX/XX/XXXX to check in, and the customer service rep was confused about why the case was taking so long or what the issue was, but said that specialists were still looking at my account and would be in touch when the issue had been resolved. It's been 15 days since then XXXX XX/XX/XXXX today ), and I haven't received any communication from their side. I still can not log into my account or access my funds. Coinbase is taking an obnoxiously long time to enable trading on my account again. I should at lease be able to log into my account and move the funds away if I want to. This is absolutely frustrating.
NelNet continues to practice inconsistent customer service and other inconsistent lending practices. Since the inception of my student loan in XXXX XXXX, I was informed for first time in XXXX XXXX that credit card is an acceptable method of payment by customer service representatives. I have called in, talked to a representative, and made one-time lump payments of {$4000.00} on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I attempted to make the same transaction and was denied. However, the same transaction was approved 3 times previously. I was informed they can not accept a " debt for debt payment '' as per SSA guidelines. I was told if I were to file bankruptcy, and made credit card payments it would dissolve that portion of the student debt as it has been offset by potential credit card debt. Further, I was informed I can not make a credit payment in excess of monthly payment amount. The payment amount is an arbitrary allocation of cost. Based on those grounds, if I requested a revised payment schedule based on a different payback period, I could simply work around the method outlined by the representative. I am not in acknowledgment of any modifications to my loan which revokes this privilege. Payment is payment and it should not be determined by the lender of which form of payment is " more credible ''.
KeyBank is taking over XXXX XXXX XXXX. I have a credit card with reward points that do not expire with XXXX XXXX. After the merger, points will expire if not used in 48 months. Details of this are hidden in the terms of contract. I feel that this is an outright theft of funds especially for people that do not read every detail.
I was shocked when reviewing my credit report and found late payments on all 3 loans on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
This complaint is in regards to the EQUIFAX data breach just announced. This is unacceptable in this day in age and has caused unwarranted and excessive strain/stress on me due to their careless and negligent behaviour and practices. I demand this be investigated and they be held accountable to highest extent of the law for this failure to protect my sensitive information.
I was provided a private loan through my school. I have been making full payments consistently since my deferment/forbearance period ended ( some time around 2013 ). Eight months ago, I began making higher than the full payment in order to pay down principal faster. I called at the time I began making payments to confirm that the additional payment would be applied to principal. Because the statements I receive by mail do not describe how my payments are applied ( it just states that a payment was received and how much that payment was ), I have just realized that I have been merely paying future interest off rather than paying off my principal. This is predatory lending in my opinion. 

I have called the XXXX, but have not received a response to date. I can only imagine how many of my colleagues are still being preyed on by this loan repayment program.
I want to start by saying that Real Time has been nothing but polite and considerate this whole time. I do not fault any of the service reps that I have dealt with. My husband and I obtained a home equity loan through XXXX XXXX 9 years ago that was 125 % of our home value. The market crashed and XXXX went out of business, selling our loan to Real Time Resolution or an investor that they represent for pennies on the dollar. We ended up filing for Chapter XXXX bankruptcy 7 years ago. Our lawyer avoided the lien in the bankruptcy paperwork and Real Time did not file any objections. Our home was very negative at the time. We were able to settle with our 1st mortgage company and have been making payments on time since. This year we are trying to refinance our home mortgage so that we can pay off some extra debt and we have good equity in our home now. I have spent the last several months trying to get a settlement with Real Time. They say that we owe {$69000.00} in principal on the original loan and then want an additional {$75000.00} in interest for the last 8 years of not paying on this second mortgage. They are not on our title and they are not on our credit report and they have not been able to provide me with the documentation stating that they have the authority to remove the lien from our title. They were not willing to present an offer to their investor because it was not enough. Another offer was just made but we are hitting a point were our DTI is going to make this process impossible. I worry that they actually do not have a claim here and that I am going to send them money and nothing will happen except I am now out a lot of money. I have never seen any paperwork stating loan balances but I know that they were not able to bother us because of the bankruptcy laws. Realtime loan # : XXXX.
I was mislead by PayPal Credit and forced to pay unnecessary interest. The paypal credit line of credit allows you to make purchases online using the paypal service and your line of credit which gives you a promotional period of 0 % APR for 6 months. If paid in full in 6 months there is no deferred interest, if not, the deferred interest is added to your account for the whole 6 months prior. The monthly statement, in bold letters includes a number that appears to be the amount to pay to avoid paying any interest, however it is really including promotional balances that have expired. this is very misleading, and caused me to miss the deadline to payoff some promotional balances. The misleading statement caused me to pay {$120.00} in deferred interest that I would have avoided if the statement had simply stated how much was due for promotional deferred interest and when it needed to be paid. 

Additionally, PayPal Credit has just out of the blue changed their terms for my line of credit. I don't really care about them making there be a minimum payment as much as changing the interest rate from an already high 19.9 % APR to now 25.9 % APR!!! That is absurd?! They raised the interest rate for no reason by 6 % APR. Considering prime rates have risen less than 1 % in the time this account has been opened a 6 % rate hike is excessive and a unfair to consumers.
I am working with XXXX and I have four creditors calling as much as 15 times a day all hours, nights and weekends. Personal Finance XXXX KY., XXXX, XXXX KY, XXXX, XXXX, XXXX, and XXXX Bank. I also work in collections and with all the calls and the hour before XXXX and until after XXXX and on Sundays. They leave messages, and still call back more than what the FDCPA guidelines allow. Please help
A man named XXXX called me from XXXX to tell me there is a possible claim being filed against me. He gave me a phone number and claim number and attempted to verify my home address by asking me was I home. I explained that I did not know anything about a company named Continental at XXXX. He told me he would call me back in 30 minutes after I spoke with them, but to consider myself served. He called me back and told me that since I had not contacted them and did not take this seriously he would come to my place of business.He asked me again was I at home. The phone number is coming from a XXXX XXXX in XXXX, Illinois.
Approximately two months ago I submitted a complaint that Experian of Delaware was continually accepting a credit utilization report from XXXX XXXX. I filed Chapter XXXX Bankruptcy XXXX XXXX 2015. My credit card with XXXX was closed by the BK. Still, Experian continues to report a % 83 utilization of the credit card. That may have been true before my BK, but as I stated previously, the card was closed. Experian investigated the problem, supposedly, and their response was that i was incorrect and the credit card company was correct. How could i have any type of utilization when the card has been closed? After Experian 's response, I tried to contact the company and they have no record of my account. I 'm not proud of my BK, but i am trying to rebuild my credit. However, with Experian still accepting this claim, I have been refused a home loan under the FHA Chapter XXXX policy as well as my credit score falling. From what i have read this is illegal and I can pursue legal proceedings. I feel certain that their investigation was superficial. This has happened with a another credit report agency ( XXXX ) and once i sent proof, instead of correcting the false information, they removed it from my credit report which lowered my credit rating Basically, the consumer is punished if we question these agencies. They all should be investigated as they favor the Banks and not the Consumers- unless, of course, your the President of the United States .
I opened a bank account with Wells Fargo, was told I was approved, ordered checks, was given a temporary debit card, deposited money into a checking and savings account. Then received letter in the mail stating my accounts were being closed and they would return my money. I lost my job and faced financial hardship years ago during the recession, I owed Wells Fargo money which I have since paid off and worked hard to re-establish my credit. I went to Wells Fargo for their second chance banking account, believing they wanted to give people a second chance. When I applied I was told I qualify for a normal checking account so I got that instead. Only to be told later they do not want my business for a mistake I made years ago and am trying to make amends for.
The below are the dates and the amount, and actions that were taken by you or the company. 
As recent as XX/XX/XXXX XX/XX/XXXX and now XX/XX/XXXX But this has been going on since XX/XX/XXXX Amount : {$97000.00} 3 different times I've reach out to Bank of America : XXXX XXXX XXXX XXXX XXXX, FL XXXX Asking that they correct this error and they said they would not. 

My account was a part of a predatory lending issue in-which XXXX  mortgage excepted a loan from XXXX XXXX XXXX XXXX founder of XXXX XXXX XXXX, to stop all mortgage-related business after discovering that XXXX and his company were originating loans in Maryland without a license. 

My loan was sold to Bank of America and when then got heated in the press : XXXX XXXX XXXX XXXX Fraud with my mortgage XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX They sold the first mortgage and wrote off the second mortgage in-which I was in the middle of doing a loan re-modification with them and they put it on my credit report as a Charged off /Past Due of {$97000.00}. 

This is wrong and this is what I consider defamation of character. 
Now I have already endured XXXX XXXX stealing my equity in my home and writing it up as a second mortgage but to have Bank of America call me a lair and charge this off and put it out there for the world to think I am a bad mortgage owner is insane.
My mortgage loan was sold to Bank of America ( BOA ) approximately 2 months ago. Today is received a thank you letter from BOA for enrolling in their PayPlan12, BOA 's monthly automatic payment deduction service. There 's only one problem - i never signed up for their plan. I called BOA and after a 35 minute ordeal they assured me that they had removed me from PayPlan12. Given that paperless payment is in BOA 's self-interest, and the fact that i never signed up for their plan, it seems to me BOA 's unilateral action rises to the level of fraud.
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/XXXX Account # XXXX and XX/XX/XXXX Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.
This reason I am filing this complaint is to request an investigation into XXXX XXXX XXXX mortgage company reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage company are reporting the incorrect year of XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency occurred in the month of XX/XX/XXXX. I am requesting that XXXX XXXX XXXX correct the fraudulent information being reported to all credit bureaus into my credit file ASAP.
Rush card has been holding mu money since XXXX/XXXX/2015. It was several days before I received any money.
Ref : CFPB Case # XXXX It is requested the closed referenced case be reopen. My reason is as follows : Zales or XXXX XXXX has not responded to me other than what XXXX XXXX sent to CFPB indicating they would conduct an investigation. Nearly ninety days has come and gone and not a word from XXXX or Zales as to the results of their alleged " investigation. '' However, I am nearly 100 % sure XXXX will note, as in the past, they sent me a letter but I have no record or ever receiving a response to their investigation and I keep excellent records. 

It is requested CFPB become involved and determine if I may have some closure to the issue previously contained in my complaint to CFPB ofXX/XX/XXXX, 2017. If XXXX XXXX has not issued a credit to my Zales credit card account and they have denied my claim, I will need their response if I plan future recourse through our local courts. 

I am almost certain that I can not be a lone wolf that is receiving the disrespect and poor customer service from Zales and XXXX XXXX. The two entities lack any compassion for their extremely poor customer service or customer satisfaction ( please refer back to my original complaint ). 

Thank you for reading and assisting me to achieve my original goal.
I deposited a check for {$160.00} into my XXXX XXXX acct on XXXX via mobile deposit. I do not get credit for this deposit until XXXX. That is too long. The {$160.00} check cleared my acct at my credit union on XXXX. Is this a violation of Reg E?
I have received a Visa credit card from BBVA Compass bank and for every purchase, the account gets flagged for fraud, making it a huge inconvenience to try and get through to their fraud monitoring to unlock the account to verify that I had in fact made these purchases. On top of that, now, when I call in, I feel like my privacy has been violated. I am not calling to report fraud on the account. Instead of confirming that I had been the person making the purchases, BBVA is asking for very specific details about the transactions -- what I purchased at the retailers -- which I feel is a gross violation of my privacy.