WillisBack/dataset-financial-user-claim huggingface dataset:
I am one of the 140 million American whose data was exposed by the Equifax breach. In order to protect my credit and my financial future, I now have to freeze my credit with all three credit bureaus, including Equifax. As Equifax charges a fee for this freezing, they are essentially charging me for their own negligence and profiting off of this situation. I should not have to pay for this company 's negligence.
There was a balance on my credit report of {$680.00} and I settled with XXXX XXXX for {$300.00}. Then, Capital One updated my credit report to only reflect a {$300.00} payment, leaving a balance of {$380.00} and my credit score dropped 90 points. How can do they do this? I did my research and found this is a violation of the Fair Credit Reporting Act. I have spoken to several people at Capital One and they assured me it would be reflected to a XXXX balance and now it is n't. I am trying to get a mortgage and I paid this account to satisfy my debt and now it just hurt me more than paying.
XXXX XXXX XXXX is reporting a medical collection account that I have disputed with the original provider and told XXXX that I was in dispute. I had insurance, the provider received authorization from the insurance company and the provider never billed the insurance. When XXXX contacted me I told them I was in dispute with the original provider and they still reported it to the agencies but did not send me anything to verify the debt even though I asked for it. They continue to ignore my requests to verify the debt yet they also report this unverified debt. This needs to go back to the provider so I can take care of this. This is in direct violation of the Fair Debt Collection Practices Act ( Federal and California ).
I was reviewing my credit report and saw that a company by the name of Financial Management Solution was listed on my credit report stating that I owed XXXX XXXX XXXX {$3500.00} dollars. I was angry because I have never received any notification about owing any money to this apartment complex. I do remember living and moving from their complex back in 2013. I disputed this claim on XXXX web and XXXX wesite and ask them to provide me from the collection agency proof of this debt and how I came to owe this but I have received nothing. Nether credit bureau will say how I actually owe this money they just keep the collection listed on my credit report not explaining what happen in the investigation There is no court documents or anything. I believe the reason why they have done this is because while I was living there the apartment had many housing violations and I filed a complaint against them with XXXX XXXX 's County Government, Property Standard Division. The inspector charged and fine them and they in return ask me to move and so I moved to where I current live now but prior to me moving here the XXXX XXXX XXXX  manager lied on my verification form of my residency with them and stated that I was participating in criminal activity to hinder me from getting my apartment at the XXXX XXXX XXXX ; but it did not work because they lied and the manager did not believe them. So they have place this on my credit report in retaliation. I have documentation of all that I have stated I will mail the documents to you.
I received a letter in the mail from Lou Harris & Co in the mail dated XX/XX/XXXX with an amount of XXXX.. Lou Harris & Co did not send any signed contract or agreement stating that this was my account. Lou Harris & Co called me on XX/XX/XXXX threatening to damage my credit report, they did not allow me 30 days to validate this debt, and has called me everyday threatening me, I continue to advise the agent that I was not aware of any debt. Furthermore, Lou Harris & Co is practicing UNJUST ENRICHMENT and is violating the Fair Debt Collection Practices Act ( FDCPA ). I will be reporting this agency to the Attorney General & to the XX/XX/XXXX
Shared information about a past due debt with my daughter. after they shared the information she told them I was not there them they asked her why she answered the phone. to start with they have invaded my privacy with sharing my information with a member of my household. 
have asked them before not to call my home as I am not paying this bill.
I used their service in XX/XX/XXXX or XX/XX/XXXX and ultimately had medical issues that forced me to fil for Bankruptcy in XX/XX/XXXX. 

Today, after more than a year, I received a call from XXXX XXXX at XXXX  ( she claims is a collection company working for XXXX. Her phone number XXXX ext XXXX. She has called my home, my cell and my work today to threaten to send an officer with paperwork tomorrow morning. 

I reminded her that I had filed for bankruptcy and she said they would file another type of charge against me if I didn't agree to pay a settlement amount.
I canceled a vechile from mu policy with the insurance company, then they canceled my whole policy and told me it qas for non payment. The collection company has called repeatedly for this debt even though I have explained the situation. I did not receive notice of cancellation and in NJ that means I could loss my license and a fine. I have since gotten insurance with another company and tried repeatedly to get the collection company to stop calling. I have also filed a complaint with the state regarding the insurance company.
I applied online for a credit card with Chase Bank USA , N.A . XXXX XXXX XXXX, XXXX DE XXXX. They sent me a letter turning me down for a card due to info acquired from XXXX, stating reason was bankruptcy. My credit score is XXXX which was in the good credit area. Here is my problem. I am tired of applying for and being denied for this reason. Okay, we did have bankruptcy in 2011. We had no recourse. For over XXXX decades we had excellent credit, with unlimited access to cards. However, due to my husband 's military status, his social security number was hacked, therein resulting in theft and unauthorized purchases, so high and numerous to be unreal. They had to be incredibly sophisticated with this hack. We could not find out who, where or when it was so huge and numerous. Even if my husband was a " millionaire '', I do n't think we could have kept up with the problem, therefore, bankruptcy. My problem is, when will we stop being punished for something out of our control? I can understand a bank denying us for this reason, however, it is so wrong to have points taken away for applying, especially considering the facts surrounding that bankruptcy in the first place! We did not plan to have people invade our privacy and steal from us and I 'm so tired of all of the negative results that was not of our doing!!!
XX/XX/XXXX I called Amerihome to see when I would be receiving my property tax check to take to the City of XXXX XXXX. They told me they send the check directly to the City and that my account was being paid on XX/XX/XXXX. I received my XX/XX/XXXX bill and saw that the payment was made on XX/XX/XXXX. On XX/XX/XXXX I went online to get documentation showing my payment was made before XX/XX/XXXX. It showed that my payment was not made. I called Amerihome and was told that my payment was made XX/XX/XXXX via wire transfer and that I would have proof faxed to me within 24 hrs. On XX/XX/XXXX I again called Amerihome and told them I never received the fax. The person I talked to said she would have the person I talked to yesterday see why it was n't done and she would put in a XXXX request RUSH to get me the email. On XX/XX/XXXX I called for the third time in 3 days because I still did not get a email. This time I got a manager that told me the payment was sent XX/XX/XXXX in a bulk check, not a wire transfer. The manager finally sent me a letter that simply said the payment was made with a bulk check, the day they made the payment, how much my payment was, and my tax id number. No information about the original check number or if it was cashed or not. I took it down to City of XXXX XXXX on XX/XX/XXXX. The minute I explained that my mortgage company said the payment was made and the City says no, she said " Let me quess. Your mortgage company is Amerihome. '' I said yes. It turns out that Amerihome sends the payment to XXXX to send payment to the City. When Amerihome sends it to XXXX ( via wire transfer ), they include the tax id. When XXXX sends the payment to the City, they use the loan number. The City has a list of payments with loan numbers that they look up when someone like me calls or comes in. They found my loan number and the payment. Problem is, they make the payment like they got it today instead of XX/XX/XXXX which messes up my taxes. All I got from XXXX is issues and false information.
Chase Bank decided to charge me {$12.00} per month for banking beginning in XX/XX/2016. Chase Bank claims I no longer have two direct deposits per month, which I do on the XXXX and XXXX via XXXX. However Chase Bank changed the way they conducts business with XXXX. XXXX payments are now routed through Chase Quickpay, which Chase Bank does not consider a direct deposit. Chase Bank is charging me to use Chase Quickpay. I did nothing to change my account. The depositer did nothing to change their method of transfer. Chase Bank changed the way they work with XXXX. I should not have to foot the bill for this.
3 or 4 yrs ago I signed up for phone service with a company called XXXX XXXX. It was a one time charge of {$110.00} and you would have phone service for life. It never worked. I called several times, sent emails all unanswered. On the bill for my Citi Bank card dated XX/XX/XXXX-XX/XX/XXXX their is a charge for {$110.00} from XXXX XXXX that I did not authorize. In my discussion with a Citi Bank rep I said I wanted to dispute the charge but was told " since I gave them the credit card number I would have to pay it ''. The Citi rep also stated that XXXX XXXX made two attempts at a charge on XX/XX/XXXX, one of which went through, another attempt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As with second attempt on XX/XX/XXXX the attempts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were denied. So her is the question Citi could not answer. What makes the first charge on XX/XX/XXXX valid and the rest not? Also when Citi obviously recognized these were fraudulent charges why did they not reverse of stop the first charge made on XX/XX/XXXX? Lastly at no time did Citi contact me that fraudulent activity had been detected on my account. I have since closed the account.
Call from " Unknown Caller '', but tells me to call  XXXX , for more information., demanding I produce  2 forms of ID and be prepared to sign court documents that will be served between 1-3 tomo rrow. Served at my address, work or husbands address.   Does not say for what, who or why. Person Identifies as  XXXX   XXXX .   Calls me 3 times in a row, after I hang up. Can not block call, as it is from " Unknown Caller
I had an earlier complaint XXXX and at first got helpful calls from the person assigned to my complaint. 

The explanation from Bank of America is rather misleading. The reality is that their website makes it very difficult to manage payments properly. They have it set up that way in order to increase their late fees and interest payments. 

Moreover, their customer service people are horrible to work with. It is impossible to get anything in writing, nor to get a person who has any discretion to make a reasonable decision. 

As part of that agreement I made with Bank of America, they agreed to waive fees until the card was canceled. When I paid off the balance, they canceled the card, but charged another {$60.00} in fees and interest. 

I tried calling the assigned service representative, XXXX XXXX, many times, I got no reply.
The following accounts below were deleted from my credit report ... 
XXXX XXXXI recently check my credit report and they have since then re-appeared. These need to be removed as the original dispute was valid and company was unable to furnish proof these were mine.
The bill for my Discover card clearly stated that my payment was due XXXX XXXX, 2015 ( see the attached ). On XXXX XXXX, 2015 at approximately XXXX XXXX Central time, I called the customer service # ( XXXX ) and used the automated system to enter my account #, the payment info, and my checking account information. The confirmation message said that the payment would post " on XXXX XXXX ''. Since the payment was due on the XXXX and I paid it on the XXXX, I was concerned. I managed to connect to a customer service representative ( CSR ), who said I was supposed to have done the payment before XXXX EASTERN time. I pointed out to the CSR that this part of the deadline does NOT appear anywhere on the statement! 
She said their policy is to waive the late fee, and to remove the trigger that would cause my interest rate to increase, but ONLY because I questioned it immediately. 
XXXX issues of concern / questions:1. Is it LEGAL for them to have a SECRET cutoff time? I.e., a cutoff time that they do not show on the monthly billing statement. I.e., they literally say " Payment Due Date XXXX XXXX, 2015 '' and " Late Payment Warning : If we do not receive your minimum payment by the date listed above .... ''. But they do NOT tell customers that it 's only XXXX XXXX Eastern time on that date!!! ( see the attached copy of the statement I received ) 2. Is it LEGAL for them to then charge late fees and impose increased interest, because customers fail to complain about the SECRET CUTOFF TIME? 
It seems to me that this falls under the heading of things like " bait and switch '' and certainly goes against the intent of the consumer protection act.
I have a credit card account with Capital One. I took a cash advance from my credit card for {$36.00} on XX/XX/XXXX of last year. I've been making monthly payments since then but I just noticed on my statement that I was charged interest for a cash advance. I didn't realize there was still a cash advance balance on my account so I called in to get the fee waived only to find out that I've been charged more than {$500.00} in interest for the original transaction of {$36.00}. I've repaid the cash advance more than 10 times over during that period, as my account is in good standing. What I have a problem with is the fact that the interest accumulation is COMPLETELY HIDDEN! I read my account statements every month and there's never a mention of a cash advance balance. I spoke to a few different representatives and they confirmed that there's really no way for customers to see this activity ; it doesn't show up on the monthly statement and you can't view it on the app. I recall exactly one VISIBLE interest charge for this cash advance I took a year ago ( {$10.00} on XX/XX/XXXX ). They gave me some weak excuse about payment allocation, which, to speak frankly, comes off as a cheap ploy to get people to put money towards the lower interest rate while the significantly higher interest accrues in a separate account that we're never reminded of. If I had overlooked this interest charge and failed to call in to inquiry about this, I would've ended up paying thousands of dollars in interest on a growing balance that's not accessible to me. If interest is charged daily on cash advances as I found out not too long ago from a representative, then its absolutely repulsive that customers don't get access to the activity in these accounts in monthly statements or online. Here I was thinking I paid off my cash advance only to find out a year later that they've been charging me interest that they never report.
I have a checking account at JP Morgan Chase. I was surprised to learn that Chase does not honor the stated date on the check if presented to them for payment. Under the UCC, I should be able to give Chase notice of a postdated check and have them honor it without paying a fee. When I advised them of the postdated check, they told me they could n't accommodate my request. Help!
XXXX is reporting a barclay bank account with a balance of XXXX on it this account is fraudulent the account that the payments were being made by is also fradualant
I submitted for a loan modification with Ditech toward the end of XX/XX/XXXX. They sent a letter to my attorney ( because I had filed for bankruptcy XX/XX/XXXX ) dated XX/XX/XXXX. I assume this letter did n't get to my attorney until a few weeks later as I did n't sign and send back info untilXX/XX/XXXX ( they were asking for paystubs and a XXXX ). I called in a few weeks after that and they stated I filled out the XXXX incorrectly. I sent back but updated XXXX on XX/XX/XXXX. My bankruptcy XXXX XX/XX/XXXX. Nothing was rcvd until XX/XX/XXXX by my attorney. It was a letter dated XX/XX/XXXX that stated they would modify but they actually increased my payment not lower it and said payment was due XX/XX/XXXX! So from XX/XX/XXXX until XX/XX/XXXX no correspondence. I have received nothing from them in the mail since the XX/XX/XXXX correspondence. According to RESPA Ditech has violated the law : 1. " a creditor must provide workout options within 45 days of a missed payment '' 2. " a creditor must notify a borrower 30 days after submission of a complete loan workout application if there 's an option to save the home '' Both of these parts of RESPA were violated.
My payroll is advertised to be deposited up to two days early. My employer submitted my funds to RushCard yesterday. They advertise when you call on the automated system that they post funds immediately when funds are released to them. I called customer service to ask why my deposit is late as it shows by XXXX each pay date. I spoke with a rep at XXXX. to ask why it was late and she responded she does n't know why I would be worried my money was missing. I asked for a supervisor immediately and she would not transfer me. I asked for another rep and she hung up on me. Now im worried because this happened before and my hard earned paycheck is missing and I have been hung up on by the company who I trusted my money with.
On my account with Chase Bank, they can only hit your account with XXXX NSF Charges on any given day. Chase has started to split this up and just process additional charges days after the charge has hit the account, and after direct deposits have been posted. Case in point, on XXXX they hit me with XXXX NSF Charges, my direct deposit was deposited on the XXXX, they come back and hit me with XXXX additional NSF charges on XXXX. Also in XXXX, they processed XXXX on XXXX XXXX, direct deposit on the last day of the month, so they come back on XXXX and charge me XXXX more on XXXX, XXXX on XXXX and XXXX on XXXX. I do n't think this is why they have a limit of XXXX NSF charges a day.
A Group called " XXXX XXXX '' reported a debt of XXXX dollars being owed to XXXX XXXX without ever notifying me that there was a debt owed. First, I do not owe this debt, second I was never contacted by the collections agency. I have rights to dispute this charge and they never contacted me to dispute the charge. Under the FDCP I have rights to make any collections agency verify the debt. If they tried to verify the debt they would know that I do not owe it.
A refinance was done multiple times in XX/XX/XXXX the owner being a XXXX man with a set income since XX/XX/XXXX was preyed upon and given a refinance over and above his income capabilities. We have modified this loan 3xs with XXXX and once again recently with Caliber Home Loans. Only to find out in the fine print its modified to a interest only loan. Nothing is ever disclosed to us. We were struggling and a post card was sent to us that we had a law suit with XXXX and needed to hire XXXX out in XXXX XXXX. We stopped our payments to XXXX it cost {$5000.00}. up front and XXXX a month for on going legal fees only to be told in order to get our modification we had to release XXXX from its obligations We now are paying a trial payment to Caliber and received nothing from the law suit nor the Real Estate law Center.
Equifax did not exercise proper security measures and resulted in my information being compromised. They have opened me up to identity theft and have only made a token offer to monitor my credit for one year. This service costs ~ {$20.00} per month afterwards and much of my data will not change over the course of my remaining years on Earth ( approximately 55 more years based on average life expectancy ). This is over {$13000.00} over the course of my lifetime paid to Equifax. {$13000.00} to trust a corporation who has already handed my information over to criminals who have the potential to steal countless money from me and ruin my credit.
Debt was paid in full XX/XX/XXXX and car was PAID OFF, yet Hyundai Motor Finance is still holding the title to the vehicle. I have contacted them MULTIPLE times about having the title released and as of today XX/XX/XXXX, the title STILL has not been released after multiple phone calls and assurances that they were releasing and mailing me the title. Every time I call they have some new form I need to submit which was not spoken of the numerous other times I 've called. I 've complied with their requests every time. The last time I called was XX/XX/XXXX and I was assured then that title was being mailed out after I sent them the odometer reading which was sent. Today when I called they told me I now need to send them a " Bill of Sale '' which I do n't have and had never heard I needed before today. I am trying to sell the vehicle and can not do so until I have the clear title. 

In addition to this issue, every time I call I have to go through customer service and sit on hold for over a half an hour before I get to speak to someone. Then once I get to a representative, I am put on hold multiple times while they " research '' the account. Each call usually takes an hour or more. I need a direct point of contact. I have asked to speak with the title department directly but " they do n't receive calls from consumers. ''
I have contacted Transunion since XXXX 2016 disputing Inquiries that I do n't recall authorizing. I requested Transunion to please provide me the documentation they used to verify that the Inquire was authorized by me so I can confirm its validity. Transunion is in violation of the FLRA for not completing the investigation in 30 days & ordering me to contact the creditor which turns the burden on me ( violation of the FLRA ), Transunion is well known to respond disputed inquiries in this manner ( placing the burden on the consumer ). The actions of Transunion is having a major negative impact on my credit worthiness and credit score causing me XXXX..