WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2013, XXXX ( at XXXX XXXX ) in XXXX XXXX, Indiana told me that my upcoming XXXX would cost me ( out of my pocket ) {$25.00} deductible and either {$12.00} or {$26.00} extra based on whether it was an easy XXXX or a difficult one. XXXX said that " the rest will be written off because of our contract with XXXX XXXX. '' They XXXX out on XXXX/XXXX/13. Afterwards, despite having what I was told was an easy XXXX, I was told that I owed the higher {$51.00} amount. Fine. So I paid it off before leaving the office that same day. Then, in XXXX, I get a bill from XXXX XXXX corporate office for another {$60.00}, still owed for my procedure!!!! I called XXXX at the XXXX XXXX office where I had my procedure done, and explained that I paid the bill in full ... ... .The {$51.00} that I was told was my share of the complete bill. She left the phone, and came back shortly. XXXX exact words to me when she returned to the phone was " Yes, you are correct. The total charge should have only been {$51.00}! '' which I had already paid! So I also called " XXXX '', back from the corporate office, and informed him what XXXX said. Next thing I know, I 'm getting another {$60.00} bill in XXXX 2013 from a DEBT COLLECTION company! So I called " XXXX '' from this IC SYSTEM debt collection company, and explained this entire scenario to her. I emphasized that XXXX, from XXXX, told me TWICE on 2 different occasions that my total bill of {$51.00} was paid up, and I owed nothing further!!! What kind of company is this " XXXX XXXX??? '' Now it 's affecting my CREDIT SCORE!! iT 'S GONE FROM XXXX DOWN TO XXXX! That 's not fair!! Please get back to me ASAP. I 'm considering calling the BBB. XXXX XXXX XXXX
This collection agency continues to repeatedly call my cell number, as well as my parents and other relatives ' home and cell numbers.
UISAA has confusing balance issues that causes bounce checks and over drafts. They also have cleared items problems that makes no sense. Usually an Item is cleared and a few days later, it shows as just coming out of our balance. We are never sure sometimes what 's in our account or not. My husband and I are both XXXX veterans. We had insurance with USAA Federal Savings Bank for over 10 years now. They declined giving us insurance in XXXX after we moved back. We filed for insurance change XX/XX/XXXX From XXXX to XXXX. They said we are high risk and they can only continue our XXXX policy that we already had with them even though we 're in XXXX. My husband is a XXXX XXXX veteran of the XXXX XXXX. I 'm an XXXX XXXX XXXX XXXX XXXX veteran. I joined USAA XX/XX/XXXX, when I got XXXX. USAA used to keep their word, but now USAA does not care about their members anymore.
I opened my first credit card with Citi bank in XXXX, this was my only credit card for several years. I had a balance for meany years and finally was able to transfer the balance to pay it off. I stopped using this credit card because I did not want to have a balance on it, the last time I used it was XXXX XXXX. In XXXX of XXXX, I received a notification from XXXX that my score had changed, when I logged in online it stated that one of my account was closed, it was my Citi card I opened in XXXX. I was furious because I never received any notifications of my card being closed from the bank!. Especially since I worked in banking for about 3 years, I thought this was very unusual since a lot of products are grandfathered.I called Citi bank right away and said they sent out a notice ( which I never received ) and in order to reopen the card they would have to pull my credit. So now i am confused because they closed my card which resulted in my score getting lower and now they are pulling my credit which would further reduce my credit score. They then said they would send me a replacement card, BUT it was returned ( based on a letter dated XXXX XXXX ). That is weird because I have been received SEVERAL promotional mail to open a new credit card with Citi Bank. When I called back in XXXX ( I had gone to a XXXX ), the customer service rep said that there was no replacement sent. I asked if they could resent me a card and I was told my account was closed again!! So now I AM FRUSTRATED AND ANGRY! They tell me that I would need to have my credit pulled AGAIN in order to determine if they could reopen it. So this is a 3rd strike on my credit because of Citi bank, and now they say that I CAN NOT reopen that card because of my credit!. This seems unjust and unfair because I was left with no option and at the mercy of Citi BANK! please help me reopen my credit card
I made a HORRIBLE mistake and decided take out a loan for {$1500.00} in XX/XX/XXXX. Every month, I 'd make the payments on time, paying {$110.00} every month. My 2nd to last payment with Regional Finance - ( XXXX, Texas location ), I purchased and sent in a money  order for {$110.00}, as I ran out of personal checks. On XX/XX/XXXX, I received countless collection calls, even though I told them I had mailed the money order on XX/XX/XXXX. Every day until today ( XX/XX/XXXX ) I received about 5 phone calls a day regarding this payment. I had provided them with the receipt number of the money order, proving I had purchased a money order. I was told that if they had n't received a payment by that Friday, I would be charged a {$10.00} late fee. I have NEVER made a late payment. I had been paying the {$110.00} religiously since XX/XX/XXXX. I asked if this fee could be waived, as the money order was lost in the mail or was just sitting on someone 's desk, never being processed. So, on XX/XX/XXXX, I ended up driving about 25 miles to make another payment,  this time by check. I presumed they received my check, as I physically dropped in off at their office, which was closed that day. Today, XX/XX/XXXX, I called to see if they had received my check and posted it to my account. One of the employees, XXXX confirmed that not only did they receive my check, they also received the money order I sent in on the XX/XX/XXXX. I asked if the late payment fee could be refunded, and XXXX advised his manager, XXXX said they would not be able to waive the late payment fee. I tried explaining that since the money order had a date of XX/XX/XXXX, that this fee should be waived. XXXX hung up on me, which made me FURIOUS!!!!! I 've been waiting to hear back from XXXX, but she has n't called me back, as she said she would. I will NEVER, EVER in life borrow money from such a greedy loan company like them EVER AGAIN!!!! It 's a real shame that companies like this treat their good paying clients in such manner, and I am APPALLED! {$10.00} just caused them to lose a good customer for good, and I will NEVER, EVER refer them to anyone I know, not even to a person I dislike. This company flat-out XXXX! <P/>Sincerely, ANNOYED!!!!!!!!!!!!!!!!!!!!!!
I have previously disputed a judgement that is reflecting on my consumer report in reference to an eviction/judgement that has since been removed from all credit bureaus. This debt was settled with   XXXX   XXXX   XXXX   XXXX   XXXX  . These apartments have changed names and management a total of 3 times and no one has record of me ever living there let alone any records of any judgements being placed against me. I spoke with the court and they stated that I would need the apartment complex to file a release of judgement which is impossible at this point being that the apartments no longer exist. The new management company did however provide me with a letter stating that they do n't have any records prior to    2012  as they have been shredded due to the age of the account.
I initially gave a merchant a down payment on Capital One MasterCard for the installation of a wood fence on my property. The fence was not completed but the company charged the remaining balance to MasterCard without my approval. I immediately contacted Capital One and they initially charged back the merchant I sent in a statement and an estimate for the completion of the fence by Capital One stated that they did not receive the estimate by the deadline. When I called Capital One about this they then stated that the estimate was not legible and closed the case. I called again about this charge and was told that since the dispute was closed MasterCard will not look into my claim again. MasterCard knowingly gave a crooked merchant unauthorized money after being told to stop the payment. I was ripped off by a thief with MasterCard 's help.
We are aware that on XXXX XXXX, an Agreement between XXXX mortgage servicers and federal banking regulators was realized that ended in the XXXX Foreclosure XXXX program for those servicers. This XXXX attained in XXXX includes an estimated XXXX XXXX dollars in cash payments to be distributed to borrowers whose primary residence was involved in a foreclosure process in XXXX or XXXX as reparations after regulators found that unscrupulous mortgage practices led to foreclosures across the country. 

Although the residence in question may not have been a primary residence, we still believe that fraud was committed as with a great majority of the foreclosures processed in XXXX or XXXX. This bank did not discriminate their unscrupulous mortgage practices based on residency being primary or secondary. During XXXX, we argued the validity and legality of the foreclosure, in which Wells Fargo finally dropped the case with a lack of evidence/documents that we requested. We feel as though we should be compensated for the erroneous foreclosure, as it impacted our lively hood just as much as any borrower. We feel that Wells Fargo practices was deceitful, that they should be punished regardless of the status of the house ( XXXX ). Illegal is illegal.
I recently applied for a secured credit card from Capital One. On XXXX XXXX, 2015, I received written notice my application was accepted and I needed to forward a refundable security deposit. I made an online transfer from my bank for {$500.00}. Capital One received payment on XXXX XXXX, 2015. Approximately two weeks later I received my card. Today, XXXX XXXX, 2015, I attempted to sign up for online banking with Capital One and, after completing the application, was told my card was restricted. I did a bank chat and was told to call XXXX. I called the number and it was the fraud department. I was told the company determined I was not the one who opened the account ( I definitely did! ) and that my application was fraudulent. When I pressed for details, asked why they took the {$500.00} from my account and how they determined the fraudulent status without contacting me, I was told they did n't have that information. When I, again, questioned the withdrawal of {$500.00} from my account, I was told " if you really want to get it back you need to call from your bank and have your identity proven by a bank representative. '' The phone representative was equally evasive when I asked why I had not been contacted by the bank and why the company would have send me a card if the application was deemed fraudulent. Still, no reasonable response. I was told that I could reapply if I wanted to. Needless to say, I want no further dealings with Capital One but I DO WANT MY {$500.00} DEPOSIT BACK!
Experian fails to report correctly the XXXX account. Experian reports incorrectly that this account is considered negative. EXPERIAN reports incorrectly late payments. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Everything started from the following dates the Month of XXXX ; XX/XX/XXXX up until XX/XX/XXXX with me making cash deposits into NFCU ATM in XXXX, Maryland in XXXX XXXX County ATM Machine. I stick to the same patterns every month by depositing cash into NFCU atm 's. I thought cash post instantly regardless of the time of the cash deposit 's. For at least starting from XX/XX/XXXX my bills were getting paid by NFCU, No return fee 's for my paid items, etc. when I made these cash deposit 's. I have an agreement starting back from XX/XX/XXXX with XXXX they 'll deduct from my husband and I joint checking account every two weeks when I get paid they 'll deduct on my pay dates {$41.00}. I never had a problem until XX/XX/XXXX, NFCU just decided to start start charging me return item fee 's. I stuck with my same process by putting cash within our checking account. I requested an audit on my account from NFCU Starting back from XX/XX/XXXX until until now regarding " All '' deposit 's made into our account. I requested in written through email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX XXXX office and NFCU Priority email box to complete an Audit on our account. I even spoke to XXXX XXXX on XX/XX/XXXX about requesting in writing an audit done on our account. As of yet I have n't received my information. I aso spoke to a supervisor through customer service on Tuesday, XX/XX/XXXX XXXX to make sure that my XXXX bill will be paid, if I did n't call to verify that my XXXX will be paid. NFCU would purposely returned that item and charge me a fee. The supervisor advised me that if a consumer makes a cash deposit through NFCU ATM before the XXXX cut-off time they will pay that item for you. I receiving mix signals from NFCU Employees saying different information regarding a consumer making cash deposits through the ATM machines. On, Tuesday XX/XX/XXXX, I purosley went into the NFCU XXXX Maryland branch around XXXX I asked the teller will my cash post to my account he said " Yes '' all cash depsoit 's post 's immediately going into the branches and using the NFCU Atm 's machines. So I feel that NFCU are performing unfair practices on consumer 's account 's so they can make money by purposely returning items to hit the consumer with {$29.00} fee ( s ). I do want my audit done regarding all deposit 's made starting from XX/XX/XXXX up until XX/XX/XXXX. I want them to return that {$29.00} back from XX/XX/XXXX.
I HAVE A JCPENNEY ACCT AND I HAVE XXXX INSURANCEON THE ACCT! I HAD A XXXX IN MID XXXX I AM NIOW XXXX FROM A XXXX I AM IN XXXX! THEY SHOULD BE PAYING THE ACCT
I received a letter from ( supposedly ) from AvanteUSA claiming a debt of {$96000.00} from XXXX. I called XXXX and they have no idea where that amount came from - that the amount I owe is {$940.00}. That is not even the amount pending with the insurance. I tried to call the number on the letter I received but the call will not go through - it appears to be a fake number. ( This debt is for treatment for my husband, who passed away recently ).
I have owned my home for about 10 years now and I have paid many designated principle only payments above my required monthly payments. On XX/XX/XXXX I reached out to my mortgage company and requested that they send me an updated amortization schedule so that I could see how much my extra principle payments have effected the repayment of my loan. On XX/XX/XXXX They sent me back a letter stating that they are unable to provide this information. I then called the servicing company on a recorded call and requested if they could at least provide me with an updated final payment date that factored in the additional principle payments they have received. They responded by saying that this also could not be provided. I'm making these extra principle payments to shorten the life of this 30 year mortgage, but if the mortgage Servicer can not tell me how my extra payments are affecting the life of my mortgage, than I'm concerned that they aren't even applying the payments properly. I'm afraid of them over collecting and cheating me of my extra payments in the end. I don't want to wait 20 years to find out. I should be entitled to knowing how my payments are affecting the length of mortgage term.
I have {$4400.00} or so on my Student Loan, But that total has not really went down Since XXXX When I checked back with XXXX XXXX Back in XXXX how long it would take to pay of the money at that time was {$5600.00} so I started to pay on the loan {$73.00} a month and have been paying every month it now XXXX and this amount it is now {$4400.00} how in the world does that work, so over the past from ( 9 ) years all that I paid in principal is {$1200.00}
I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me. 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!
I made a withdrawal and did not receive it. Coinbase was almost impossible to contact. They then released to the public a contact number. The support number has extremely long wait times. More than five times in the last two months I was told I would be put to the high priority list when I called. 

I have enclosed a document of all correspondence.
My personal information was compromised and I received notice of this through a credit monitoring agency. I have had inquiries that were disputed and taken off, then reinserted. I have had accounts that were taken off then reinserted. Balances and accounts that were discharged now reporting as open with balances ; transunion AND XXXX both continue to report. With both CRA, accounts that are closed either reporting as open or still even being reported when they should not be reported as accounts that I have. I 've added a sample of the way accounts that have begun to reinserted, in the document attachments. I 've placed security freezes to support safety in my account.
we have been trying for the past 10 years to get a loan modification we have contacted so many people including you now our loan is with seterus where it has been for the past two years we have been working with a hud certified counseling center first home alliance and our worker is XXXX XXXX XXXX she has been working with us for the past 10 years we have been continuing being thrown into foreclosure after months on end of filing out paper work and then being told that person is no longer there and having to start all over we have hired and paid for attorneys and filed for chap XXXX but judge XXXX and XXXX XXXX did n't believe us and threw us out of bankruptcy court not allowing us the protection we need and more important the payment history corrected and made public to us we have never received a payment history to date and we purchased the house in XXXX. our house is being put on the the foreclosure block this Friday we just found out again with little or not notice like usual there is no legal reason why we should n't be allowed to have a loan mod my partner makes {$100000.00} a year the mortgage company and XXXX XXXX refuse to work with us and the worst thing is our loan mod was based on an amount owed of {$380000.00} and they are selling the house Friday for XXXX how does this happen and why is it oaky. I will continue to fight even if the house is sold, seterus blocked XXXX XXXX from accepting our cash payments and we paid cash payments for two years that we have never received credit for and XXXX XXXX has copies of those payments but not on our mortgage history. they do n't care.
As a result of the XXXX data breach, many of those affected have been trying to implement credit freezes either online or through call centers, but have been unable to do so due to high volumes overwhelming the systems. I am one such person.
It is noteworthy that I have never asked any of the three credit reporting agencies to handle my private information, nor have I ever consented to them using my private data to use in their business to amass data and share with any institutions, financial or otherwise, that want this information for their marketing purposes. 

I find it outrageous that I have to pay for their errors. For all I know, their lax approach to keeping my data secure was intentional so that they can profit from our fears by offering their credit monitoring/ID theft protection products back to us. In fact, this should constitute a clear conflict of interest and I believe the FTC should look into breaking them up. 

However, in light of the lack of anything getting done, I ask that ALL THREE credit agencies be forced to offer free credit freezes at this point to all those that 'may have been ' affected by the recent breach. It behooves the government to intervene at this point, particularly as the social security numbers are in fact issued by the government and the agencies obtained them from the government - NOT the individuals.
Applied for a credit limit increase and was declined. Spoke with supervisor who said card was underutilized. Please see attached letter. Explained to him that capping my credit limit just because I choose to pay balance in full every month was not fair. Furthermore nothing in the credit card disclosure alerts the consumer that they may do that. Also in their commonly asked questions and answers for denial contained in the letter received, nothing in the Q & AS addresses under utilization. How a consumer chooses to manage their line of credit is their concern so as long as it paid in full and on time.
I started a contract with Westlake Financial Services on XXXX/XXXX/2013. Since then they have made my life so hard. I decided to buy a car to build credit but little did I know I was making the worst decision to finance with them. They have not reported or even tried to pull my credit report since then. I 'm constantly on the phone with them sending them whatever they need, copies of my ID my social security card everything but they do n't seem to care about it. Everytime I call them I speak to a supervisor to see what 's really wrong but all they tell me is We ca n't disclose information to you. That 's ridiculous, I pay XXXX dollars a month for what? For them to tell me I 'm not the account holder. I 'm so frustrated with this company all they do is lie and hang up on me because they do n't want to help me. I have contacted the credit bureaus to see if anything is wrong on my credit report but they tell me everything is fine. XXXX even contacted them and tried to get them to report but they also got hung up on. I 'm running out of options. I honestly just want to stop paying the car. I have no use for it if I 'm not getting credit. I just received XXXX letters from Westlake Financial Services and there is XXXX different names on them. How is that? They are the worst company I have ever been in contact with. They even told me themselves to give up, that there 's nothing I can do about it. Please help me I have payed more than half for the car already. I really think I deserve to get some type of credit.