WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I am writing this to hopefully receive assistance in placing a credit freeze on my credit. 
I have attempted to use the online and telephone services that are provided by the three credit bureaus, however, I am finding that it is becoming more and more frustrating to protect my own credit history because they are being deceptive. My only option left is to gather all the required papers and mail them to each individual bureau and pay them {$30.00} ( {$5.00} ea. for me and my significant other ) plus shipping to fix their mistake that they made when they allowed all of our credit histories and information to be hacked. 

On top of this, because my stolen information has n't been used against me yet, I am unable to file a report with the law enforcement agency in my area. So I am stuck paying to fix their mistake. And to add to this grief, in the future when I plan to request a business loan and a mortgage after that, I will have to pay out of my pocket to temporarily lift the credit freeze. 

And as each day goes by after this hack, the credit bureaus are updating their websites to make it harder to freeze your credit and easier to pay for their credit monitoring services. I do not want to pay for a credit monitoring service from a credit bureau that has already lost 100 % of my trust. I just want to freeze my credit, plain and simple. Why is that so much to ask for? 

I will also be living in a constant state of worry as to where my information has gone and how it can be used against me. 

This is not okay. And I believe a large majority of Americans who fully understand the gravity of this situation would agree with me in that there has to be some change implemented to alleviate the burden off of American victims. As well as to make sure that the companies that are to blame for this are held responsible for their wrongdoings. 

Why am I, the consumer and the victim, placed with the short end of the stick in every aspect of this situation? And how can I even trust that this will not continue to happen in other aspects of my financial life? 

Thank you for taking the time to read my situation, I sincerely hope that you can help me and every other person that is affected by this. 

PS : I have also attached screenshots below that prove that Transunion changed their web page after the hacking news was brought to light on XX/XX/2017. They changed their website to make it more difficult for people to freeze their credit, and they made it easier to pay for their credit monitoring services instead.
as you know, i am a client with td bank. on XXXX XXXX i made a deposit of {$600.00} dollars at XXXX XXXX  through the vending machine which is located at XXXX XXXX XXXX XXXX ny in the afternoon, i wen to shop somewhere else i did not find my banking card.i went to the bank to claim my card they told me there is no balunce in my account.therefore, i filed a complaint to the bank. after, 20 days i have no received any answer, i went back to file a second complaint. i went today XXXX XXXX the branch, they informed me my complaint has been denied
As of XX/XX/XXXX my balance was {$100.00} which was never reported. There was two credits that posted on XXXX/XXXX/XXXX for Late Fee Adjustment of {$37.00} and Late Fee Adjustment of {$25.00}. There was a payment made on XXXX/XXXX/XXXX for {$260.00}. Credit report does n't show payment status for XXXX XXXX nor correct balance for XXXX XXXX. Billing statement does not show payment on XXXX/XXXX/XXXX.
I received a letter stating that I would be sued for an outstanding balance on a hospital bill in XXXX of 2016. The number to the Mendelson Law Firm was listed as a contact to set up payments before the said court date and I have been making monthly payments with this firm since XXXX of 2016. My issue is that there have been several inconsistencies regarding my account and when I ask questions for clarity, the staff just give me the run around and are extremely rude. Every time that I call the firm to make a payment, they always ask me for my routing number, my bank account number, my social security number, and they even went so far as to ask who I am banking with. As debt collectors, that is a violation of the FDCPA and I am aware of my rights. I do not understand why such personal, sensitive information is required just to make a payment on a hospital bill. When I ask them to explain to me why it is necessary for them to have this information, they put me on hold for prolonged periods of time and the responses are vague and rude. They wo n't allow me to speak with anyone else other than this rude rep who goes by XXXX with no last name, which I find highly suspicious. They will not send me confirmation receipts of my monthly payments anymore. When I ask, they tell me that they will send it out within 7-10 business days and I never receive anything. The balance is listed on my credit report so I called the number provided under the account and the rep said that no one is listed to collect the debt except for them. This really makes me think that this Law firm/debt collector is fake and I do n't feel comfortable paying them another penny and I wo n't. I know that the debt is real. I just do n't believe that Mendelson Law Firm is supposed to be collecting on it. They have a rating of XXXX stars out of XXXX on every site I have researched them on and they are not an accredited business. This needs to be investigated. I 'm afraid that they will drain my personal account dry if I do n't continue to make the payments. I feel extremely helpless. There is no way that I owe two companies for payment on the exact same hospital bill.
My car was involved in an accident on XX/XX/2018. My auto finance company was notified on XX/XX/2018 that my vehicle was a total loss and they told me that they were going to start processing my claim with the gap insurance since it was with them. I received notification on XX/XX/2018 that my account was past due. I then called XXXX to check on the status of the GAP insurance claim. They told me that they had not started the process of filing the claim. I asked why it had not been started since it was almost a month since they were notified of the total loss but no one could answer that for me. I then spoke with a person in the insurance department who started the claim. I was notified on XX/XX/2018 that the Gap policy through XXXX did not receive the proper documentation from XXXX and that they had not been able to contact the insurance rep from XXXX. I called for a week until i was able to reach another person i the insurance department and she resent the documents to XXXX. I continued to receive collection calls and the insurance told me that my account was supposed to be routed to their department and not collections. The gap policy paid out but they only paid a partial amount based on what XXXX  had told them what was left on my loan. XXXX  told the Gap coverage company XXXX that I had an outstanding balance of {$19000.00}, which was incorrect. My insurance company paid {$13000.00}. XXXX   reported to XXXX that they had received an additional {$1100.00} from warranty refunds which was also incorrect. XXXX error caused my Gap insurance policy to only pay out {$4400.00} leaving me with about {$3000.00} left to pay on my loan. I tried to make a payment on the account until the account was corrected but XXXX refused the payment since it was not the full past due amount. Since then I have received numerous calls at all times of the day from multiple different phone numbers from XXXX  collections. The insurance department continues to say that Im not supposed to receive collections calls but my account keeps getting routed back to collections. I have had collectors be very rude and refuse to allow me to speak to a manager even though the notes indicate what is going on with my account. This has destroyed my credit .They have also been calling my daughter who is a reference and is not on the loan.
In reviewing my credit score online, I discovered a XXXX XXXX XXXX account that is not mine associated with my profile and a name and address that is also not mine associated with my profile. It seems as though someone else 's information has been associated with me.
I received a Citi Double Cash credit card with a {$1700.00} limit in XX/XX/XXXX. 

I kept it at that limit, but never missed a payment nor was never late with a payment. In XX/XX/XXXX, I made a {$500.00} payment and had a plan of action using the XXXX XXXX method to have the credit card paid off by years end with the goal being to pay off my debt and, in turn, bring up my credit score. 

Immediately after this {$500.00} payment, Citi Bank reduced my credit limit to {$1300.00}, compromising any potential gain in my credit score. When I called and asked to have the original credit limit reinstated on XX/XX/XXXX, both XXXX and XXXX of the Credit Line Management Department told me I signed off on this when I took the card, but I can submit a request to have the original credit limit reinstated. Reinstatement was denied. 

If I had been late with a payment or missed a payment or been a bad consumer in any way, I would let this go. However, I have been caring for two parents with XXXX, the second one recently dying. Im just now getting on my feet to pay off all debt from this juncture in life. I do the right thing in life on every front and a bank is the one that shoots me in the leg? 

Bottom line, I respectfully requested Citi Bank to reinstate my original credit limit, allowing my APPROPRIATE consumer action of paying off the debt and never being late with a payment or missing a payment to be correctly reflected on my credit score. 

However, after explaining the situation and requesting a reinstatement to help repair my credit score ( only low due to XXXX caregiving debt, no late payments ), Citi Bank replied with a no. 

I am now left with a reduced credit score instead of an increased credit score, simply because I tried to do the right thing.
I filed chapter XXXX bankruptcy in XXXX and my mortgage was included in my bankruptcy. My bankruptcy was discharged in XXXX, XXXX. Ocwen Loan Servicing was paid by the trustee each month. I paid my mortgage in full each month on time!!!!! I received paperwork from Ocwen Loan Servicing on XXXX/XXXX/XXXX that my mortgage was delinquent in the amount of {$8900.00} for XXXX - XXXX. They are now threatening to foreclose on my home if I do not pay the {$8900.00} by XXXX. 

Also, if they had not received payment from XXXX - XXXX, they would have informed the bankruptcy trustee and my house would have been foreclosed on then!!!!!!!!!!!!!!!!!! 

ON ONE HAND THEY SAY I 'M CURRENT AND ON THE OTHER HAND THEY SAY I 'M DELINQUENT. 

My account was never updated with regards to my bankruptcy. My account should be current!!!!!
A freeze was placed on my account on XXXX/XXXX/XXXX without me being notified, when I tried to get information on what was going on with my account on XXXX and XXXX, Chase would not provide me any information or detail. I was told that it was with the fraud department who I would need to leave messages for and wait for a return call. I called several times without any response from Chase, I then started calling a phone number that I was provided by a branch manager several times in a row until I got XXXX XXXX to answer the phone. She was not helpful and would not provide me any information on what was going on except that there was fraud on another account. My ex was linked to this account but has not deposited or used any of the funds in this account in over 3 years. All deposits have been my payroll direct deposits or transfers from other Chase account. These are 100 % my funds but Chase will not discuss the account with me or allow me access to my funds on XXXX all of the money {$550.00} was removed form the account without any explanation.
Talked with western finance last month before the due date and told them I was having some money issues and I would take care of it as soon as I can. That day was XX/XX/2019. Today is the XXXX  XXXX. They came out at XXXX. Asking for payment and I already called and told them I would take care of it soon. They want me to call everyday and my phone is not working. I was in a car accident 2 and a half years ago and I'm waiting for my settlement. I've tried to work with them but they come by the house. And they want me to call everyday. I've done my part. I want them to stop harassing me.
applied for a modification twice and twice denied. The first denial according to their loan specialist was because the house did n't appraise for their drive-by perceived value. Appealed their decision, the second time it was because the income was not correct and I believe the house value. An independent appraisal stated that the value was $ XXXX more than their stated value. They are now saying that the NVP is negative, but in speaking with professionals in the real estate area, none have heard of any lender or servicer using this as a tool for a modification. This supposedly is used for income property to determine cash flow. This is a single family home.They are also using something called a mock NVP which no one has heard of. I have asked them to explain, but nothing as of this date. They have also used old income stats for this evaluation even though I have told them the income has changed from XXXX to XXXX. I am not sure what type of game this servicer is playing but it is not ethical. Nationstar is the servicer. And while they did provide a dedicated loan specialist, she was many times uninformed and did n't get back with us in a timely manner with answers. And they repeatedly stated they did n't receive information that was either faxed or submitted thru XXXX. Thus I figured using a third party would be a verification of information sent. Please let me know what I can do at this point or where I should go for further assistance..
Made a wire transfer of {$15000.00} transferred on XX/XX/2018 and it has not yet posted on my account. I tried multiple times and the company has not responded. It is on Coinbase through their XXXX platform. 

Case ID : XXXX
I 'm receiving calls multiple times a day with only a voice message left by Citibank to contact immediately. When I call they have no record of mine name just phone number. I 've asked repeatedly for them to stop calling but they tell me they can not do that. 

Numbers involved : XXXX XXXX My registered phone number is XXXX they above numbers call me multiple times a day automated. Please help make them stop!
charged me late fee on XXXX/XXXX/XXXX. Compass Bank advertises on their website their " dedication '' to their customers and forgiveness of late fees and a host of other lies from Compass bank. when i called them on XXXX/XXXX/XXXX because i had been displaced from my home due to XXXX XXXX, Compass customer service agent stated the he does not care and did not remove late fee. 

i imagine Compass Bank told many victims of XXXX XXXX similar brush offs when thousands of customers also called Compass asking them to make good on their promises. 

BBVA Compass bank is a no good dirty rotten bank.
My loan with XXXX XXXX was paid off in full on XXXX XXXX by XXXX XXXX. 

XXXX XXXX received an extra mortgage payment from me in the amount of {$3100.00} on XXXX XXXX and is refusing to return that payment to me in a timely fashion - they had promised it would be sent within 10 business days and is now informing me that it 'might be in the mail '. It is beyond the 10th business day and they are stating they are holding the amount 'just in case the check does n't clear '. 

I have ALREADY been informed that the loan has been repaid by a letter from them, and that a Full Reconveyance will be sent directly to the County Recorder. 

I believe XXXX XXXX is holding my funds in violation of terms and conditions of my paid-off loan and should pay interest to me for the amount they are holding from me.
Since XXXX 2017 I have try to get SAFCO to provide validation of debt through all three credit reporting agencys and so far no luck this big error is hurting me preventing me from making a big purchases on a house.
I have contacted transunion and customer service would not help and take care of the negative inquiries reporting to your credit report. They are as follows ... XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX  XXXX Inquiry from XXXXXX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, and XXXX XXXX Inquiry from XX/XX/XXXX
On XX/XX/XXXX at XXXX EST I applied for a Care Credit account in the amount of XXXX to finance a XXXX  XXXX. The providing bank, Synchrony, proceeds to auto approve me for {$1000.00} credit card and tells me I cant close my account for 3 days, and Ill have to call back, even though the amount is no where near the request I made. No where in the Terms & Conditions does it mention auto approval for an amount I didnt actually request. What a way keep us racking up debt.
I went into my local chase bank and used one of their new atm machines inside the bank that they have been encouraging us to use because it seems they are cutting back on labor and replacing actual humans with machines. 
I was depositing XXXX dollars and the machine took my money and provided me with a receipt that said the machine malfunctioned and to talk to the bank or call and make a claim. Now it is beyond me why the machine did not return my money if it malfunctioned. The machine does not require an envelope or a deposit slip which to me is crazy since now there is no written record of my deposit. I immediately talked to a teller and then sat with them to call and make a claim for the money that has basically disappeared. I was told that they would have someone come out within 12 hours and recover the money and that it was separated inside the machine and that it would not be an issue. This deposit was made on the XXXX of XXXX 2016. I received an email yesterday from the bank saying they finsished their research and said that they only recovered XXXX and would be taking XXXX out of my account on XXXX/XXXX/16. there is no research documents on how they came up with this number. I called and asked and was just told that that 's what they determined with no explanation except that 's how much money they recovered. No date of when, how, who or anything. They told me that I would have to go to the bank branch and figure it out. 

Needless to say I 'm going to be out! XXXX because the bank just robbed me. How am I supposed to prove how much money I put in there when there is no deposit slip required? This is going to be a huge financial burden and I 'm at a loss. I will be heading to the bank now to try and rectify this. Hopefully
My new car has been paid on time every month since I purchased it. Its showing its 90days late when Ive never been 30days late on this car. My credit report is now showing 3+ months late, when I have previous credit reports and bank statements that show it has never been 30days late.
Now, Seterus is falsely claiming a debt and loan from XXXX. We have and will continually deny this fraudulent debt and loan made by Seterus. Our communication to Seterus was/is very simple ; do not contact us again because you all " Seterus '' is now claiming to have/servicing a Loan from XXXX plus ( XXXX and its affiliates ) are in violations of Federal Laws by continual harassments and threats. Therefore, you all Seterus plus ( XXXX and its affiliates ) need to stop making fraudulent claim about they have a lien on our property and owe a loan through XXXX because Seterus are trying to make a claim and a false foreclosure on my property which lead to defamation of our character. " Allegedly, Seterus plus XXXX, XXXX/ XXXX XXXX , XXXX etc. have committed fraud and continue to do so because they never had a lien on our house from the off-set or the inception of our mortgage ( See attachments ). " See the previous complaints made by us '' Submitted by XXXX XXXX and XXXX XXXX
We have received several calls from a man named  XXXX   XXXX  looking for my husband. He refuses to provide any more details other than his name and  XXXX  number, saying this ous a personal matter. Due to how rude he has been coupled with the lack of information from him, I asked him to correspond via mail, and to stop calling. The calls stopped, but never received anything in the mail. Several weeks pass, and  XXXX   XXXX  called our house again this morning. I explained my husband was unavailable, and asked if I could help him. He asked me to just have my husband call him, and provided his name and  XXXX  number. When i asked what company he was with, he refused to tell me, only saying it 's a personal matter. I told him, " no, you need to tell me what company you represent or I wo n't have my husband call back ''. He said, " real immature. How about you grow up? '' I said, " excuse me?! '' He said, " you heard me! Grow up! '' I responded with, " lose my number   XXXX   XXXX   '' and hung up. I then had to  XXXX  the  XXXX  number he gave me to find the company he worked for, which turned out to be  National Bond and Collection Associates. I  called the other number listed on the website and asked the receptionist to speak to a supervisor. Then I asked if  XXXX   XXXX  was an employee. She explained that he was the supervisor. I then asked to speak with his boss because I was upset at the insulting bullying tactics  XXXX   XXXX  was utilizing. The receptionist, who did not give her name, chided me while saying, " look at how you 're talking! You are immature and need to grow up! '' I told her to lose our number, and proceeded to call their local police department. The answering dispatcher told me I needed to go through my local department. Needless to say, the police were a dead end. I then contacted the FTC, who directed me to this site to file my formal complaint. I 'm familiar with collecting procedures and what companies can and can not do.  XXXX   XXXX  and his associates resort to illegal bullying tactics and evasive answering ; intimidating actions that might scare people into paying a debt they might not even have.  XXXX   XXXX  's refusal to provide supporting documents and unwillingness to provide company identification makes me think they 're skirting the line of fraud. At the very least, they 're bullies that need to be stopped.
Navient has my student loan the loan was for XXXX I think not really sure now it is over XXXX now and I did n't even get to finish and the school is now closed XXXX XXXX which turned out to be a bust I need some kind of help to get rid of this debt I was making payments of XXXX a month until my tax check was being taken for student loans for the past three year but my loan keeps getting higher so I 'm guessing my payments were not being applied because I got a letter saying my tax check would not be taken as long as I was making a payment but it has for the last three years I really need my money I 'm a XXXX an hour At XXXX XXXX I went online at home you could never get help from the teachers my bill that comes in the mail says I owe XXXX and on the phone it 's over XXXX
I am a victim of identity theft. I am XXXX and my mother used my social security number to get home loans, new cars, credit cards, business loans and WHATEVER she could get. She stole my identity to pay her bills and HAVE nice cars CLOTHING home XXXX.