WillisBack/dataset-financial-user-claim huggingface dataset:
MY HOUSE WAS FLOODED IN HURRICANE HARVEY.  CHASE BOUGHT THE FLOOD INSURANCE BUT DID BUY FOR THE CONTENTS. WHEN I CALLED TO ASK THEM WHAT WAS COVERED SO I COULD BUY ADDITIONAL CONTENT INSURANCE. THEY WOULD NOT TALK WITH ME BECAUSE THEY SAID I WAS NOT ON THE LOAN WHICH WAS NOT TRUE I HAD SENT THEM ALL THEM ALL DOCUMENTS WHEN MY MOTHER IN LAW PASSED TO SHOW MY HUSBAND AND I WERE SOLE OWNERS OF THE HOUSE. SO I LOST EVERYTHING IN THE HOUSE BUT SMALL ITEMS AND SOME CLOTHES AND LOTS OF XXXX COLLECTABLES. THEY HAD LOST NUMEROUS PAPERS I FAXED TO THEM SHOWING THIS. IT TOOK FROM XX/XX/XXXX TO XX/XX/XXXX FOR A LADY IN SOLUTIONS TO FINALLY FIND THE RIGHT PAPERS SO I COULD COMUNICATE WITH THEM. I GOT A PAYMENT IN MAIL AND IT HAD GONE DOWN {$300.00} SO I CALLED TO FIND OUT WHY AND WAS TOLD THE LAST GUY THAT CAME OUT THERE SAID THE HOUSE WAS UNINSURABLE. WAS TOLD TO WRITE A LETTER, WHICH I DID TWICE BOTH 3 TO 4 PAGES LONG AND TOLD THEM I WOULD SURRENDER THE HOUSE IF THEY WOULD GIVE {$10000.00} TO HELP COVER SOME OF MY SMALL LOOOSES. THEY KEEP DENING ME AND THEY NEED TO COVER THEM SINCE THEY MADE THE MISTAKE FROM THE START.. THE CHECK IS FOR XXXX AND HAVE IT IN AN ESCROW AND HAVE ADDITIONAL ESCROW OF XXXX. THERE IS A MORTGAGE ON IT WHICH THE HOUSE IS NOT WORTH NOW. MIGHT 20 TO 25,000 NOW WITH THE DAMAGE. THEY CAN GIVE THE XXXX AND STILL BE AHEAD AND MAKE UP THE XXXX, XXXX WHEN THEY SELL PROPERTY AFTER HOUSE IS GONE. I HAVE GOT RUN AROUND AND PASSED FROM ONE TO THE OTHER AND TOLD LIES TO GET ME OFF THE PHONE. MY ORIGINAL ADJUSTER SAID HE WOULD NOTIFY THEM AND ASK THEM TO SEND CHECK BACK TO HIM AND HE WOULD REISSUE THE CHECK TO ME. BUT THEY SAID NO,. WE ARE NOW IN HURRICANE SEASON AND HAVE HAD BAD RAINS AGAIN AND PART OF THE ROOF HAS CAVED IN ALREADY AND IT HAS SEVERE STRUCTURE DAMAGE AND CRACKS INSIDE HOUSE AND HAD WATER ALL THROUGH HOUSE. THERE ARE RATS IN HOUSE NOW THAT HAVE COME IN AND BEES. I HAVE TALKED TO ISURANCE CLAIMS, HAZARD DEPT, AND MORTAGE DEPT AND BEEN ON THE PHONE ALL XXXX WITH THEM TRYING TO GET THIS RESOLVED. CALLED CORPERATE AND GET NO HELP THERE EITHER JUST PASS THE BUCK AGAIN. THEY NO NOTHING ABOUT CUSTOMER SERVICE ALL I WANT IS TO BE TREATED RIGHT AND GET CLOSURE. THEY TELL YOU WHAT TO DO AND WHEN YOU DO YOU FIND OUT YOU HAVE WATED YOUR TIME.
the company " TOYOTA MOTOR CREDIT '' reporting on my account, replied to my dispute with a notice for deletion of said acct for XXXX.. but refuses to report the same information for the other 2 bureaus i.e XXXX and XXXX with updated information for the acct to be " deleted '' or " suppressed ''
I have been battling with XXXX and XXXX, XXXX XXXX XXXX for over a year regarding a debt that is not mine. I continue receiving letters from XXXX, XXXX XXXX XXXX regarding same debt although I 've submitted documents to XXXX, XXXX XXXX XXXX proving that I DO NOT OWE said debt. These guys went as far as having my XXXX XXXX account frozen last year and I thought the issue was resolved once I submitted my documents.
A woman keeps calling saying she is a representative for  XXXX  and Northstar. She says she is calling in regards to a matter between my wife and her stepfather.     She asks for my address, my wife 's phone number, and her social.     I keep asking what this is about, and the lady tells me if I give her the before mentioned information she will then and only then let me know. The lady is very aggressive in trying to get the information from me. She has called repeatedly and I have asked for them to stop.     I keep explaining that I am not comfortable giving personal information over the phone.     The last call the lady got very angry with me and was close to yelling and threatening me.
I am filing a complaint against Equifax for their inability to protect my personal information. They have been hacked and it is likely that my information has been leaked. On XXXX XXXX, 2017 at XXXX EST I called and had a 90 day fraud alert set for my account. I also requested a credit report from Equifax. Equifax successfully put the fraud alert on my account and the report is clean, but I will continue to follow up with the other companies in a month 's time. If they are going to keep my records on file, Equifax needs to be able to safely protect them against hackers and other third parties.
I accepted a loan from AvailBlue for {$350.00}. I was told when they would drafting the first payment, amounts etc. Prior to accepting the loan I spoke with the Agent and asked him about early pay off. He told me I could in fact pay the loan off early and just paying a small amount above the {$350.00}. I called today to make sure and the woman told me I was given incorrect information. She even verified that she knew they gave people misleading information but you are still stuck with paying this loan. I am paying almost {$1000.00} for a {$350.00} loan that I got barely three months ago!! I told them had I known that I would not have accepted the loan which is why I asked before accepting. I was told something totally different it seems just to get me to accept.
I initiated a Car Lease with XXXX in XXXX Fl. It had a 30 month lease. my payments were due on the XXXX and the last day of every month. My payments were {$210.00}. On XXXX XXXX, 2016 they only took XXXX 's of the payment that was due. So I called in to lease service to find out what happened. At the time they indicated that it was a computer glitch and I could pay the rest over the phone. My lease was up in t XXXX, so I decided to just pay it off early. I asked the rep to calculate a total balance that would bring my account to zero. took him 20+ minutes, but he finally came back with a balance of {$360.00} and some change. I paid it. On XXXX XXXX, I received a text indicating that my payment was due. I called into Customer service again. After waiting XXXX minutes they indicated that it was an error and I could disregard. That I had no more payments due and they would send me my title in XXXX6 weeks. XXXX XXXX, XXXX I received another text along with a loud ringing in my car stating that I was begind in my payment and that I needed to pay immediately, or they were going to come and ge the car. I called in again on XXXX XXXX, and now they are saying I owe them almost {$200.00}. They are stating that they never received my payment from XXXX XXXX. I asked them for an email address and fax number so I could send them proof of that payment. I spent all day sending it multiple times multiple ways and they are still claiming tht they never received anything from me. They have never indicated in the past 1 1/2 months that I was missing a payment. XXXXBridgecrest are trying to extort additional moneis from me without cause. I have proof valid confirmation that Bridcrest debited my account on XXXX for the XXXX payment.
I have a mortgage with Bank of America. I current principle balance of {$80000.00} on the original loan amount of {$92000.00} with original appraisal was {$100000.00} which put me at 22.3 percent equity in the house or debt of 77.7 percent. Bank of America had advised verbally that my PMI would automatically roll off after I reached 20 percent equity in my home. I have reached better than 20 percent equity in my home yet Bank of America consistently denies to remove the PMI. They have indicated it will automatically come off XX/XX/XXXX but at that point I will have paid well over {$800.00} from this point until then which is outrageous. 
At closing my lender was not onsite to disclose to me the documentation that I was signing. My lender specifically XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX at phone XXXX. The title agent was not knowledgeable enough to answer the questions I had regarding the paperwork. 
I have reviewed the documentation from my closing and have been thus far unable to find a PMI document that Bank of America has stated I signed/initialed regarding their PMI practices. Bank of America has indicated that I can, at my own expense, request an appraisal from ONE OF THEIR APPRAISERS and pending the value of the home not diminishing since the original appraisal XX/XX/XXXX they would remove PMI. All of the values of homes in my neighborhood have only been increasing based on sale prices alone. Bank of America has no standing or grounds on which to base their assumption that values have decreased since I purchased my home, but there is irrefutable evidence that values have increased. Additionally, I do have an appraisal report from a qualified appraiser indicating the value of my home to be in excess of {$120000.00} in the home 's current condition. I will be submitting to Bank of America a QWR as well as the appraisal in-order to have a copy of all the documents Bank of America has as well as to have the PMI removed. 
I feel their business practices are unfair and deceptive regarding their disclosure of PMI and requiring a borrower substantiate a non-decreasing value of a home when all property values regarding the neighborhood are increasing is unfair and puts a burden on the home owner that is fair from warranted.
The agency needs to remove incorrect bankruptcy information from my credit file. I have disputed but it still has not been removed.
Capital One NA claim that I owe a mortgage amount of {$120000.00} within my credit report. Capital one is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which capital one reported back in XX/XX/XXXX within my XXXX credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX XXXX correct documents when capital one reported it CLOSED/CO. Capital one started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. Capital one is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.
I was called on my cell phone by First National Debt inc. and was told I owed {$210.00} for a debt incurred XX/XX/XXXX while I was in XXXX. The debt was never resolved because by the time I returned home from XXXX and found out about the debt XXXX XXXX was no longer a bank or it moved or something. The website was down and the number was just a recording then I find out that XXXX XXXX was bought by another bank and this debt came from XX/XX/XXXX or XX/XX/XXXX. I was XXXX XX/XX/XXXX and in XXXX XX/XX/XXXX. This debt is nine years old.
I am the XXXX for my son 's SSI benefits via the Direct Express debit card. On XXXX XXXX I tried to withdraw $ and had a {$0.00} balance. His deposits are on the XXXX of every month, XXXX was no exception, that '' s verified. The transactions were made XXXX ( I live XXXX ) with a cloned card according to the XXXX XXXX fraud department. ( where the major transactions were made ), I filed a police report locally as instructed and filed Direct Express fraud packet. They say they have received it, but it will take XXXX90 days to review. ONE phone call could clear up any issue that I had anything to do with this! NO REFUND..I 'm about to be evicted! ANYONE you talk to on the phone gives you the runaround! I see after doing some research, MANY people experienced the same thing! In XXXX or previously! Something is being breached within that company! Too many people with the exact same story ... .and no $ returned!
I have visited Experian 's website on several occasions to get credit information regarding my personal credit. they have you sign up for a free credit report and they require you to give you a credit card number to be charged XXXX dollar to make sure you are the intended user. will after my first experience last year if you do not cancel the free credit report, they start charging you XXXX monthly. well after many attempt to stop the service and get a refund, They followed through. So I was looking at old book marks on my computer and just happened to click on Experian 's website and it automatically signed me in to an old account that i was sure I closed for the membership. Will I was checking my bank statement a day later and noticed a charge for XXXX from Experian and so I contacted them to see why i was charged. I was told that I was enrolled in there membership program. I told them that I did not authorize this and that I wanted a refund and to have my personal credit card number removed from there data base. I was told they would refund me the full {$21.00}, but they could not take my credit card number off of there data base. I am fearful that this will happen again. to make matters worse, this happen to my wife as well. My membership number with them is XXXX. Please look into this unfair business practice for they should be protecting my credit information and not holding me hostage on a credit report Business opportunity scam. Thank you for your attention to this matter and i look forward to your follow up. best regards, XXXX XXXX
On XX/XX/2018 I was going to buy a trampoline for {$80.00} on XXXX. When buying they advertised if you buy something for more then {$50.00} and apply for the XXXX XXXX credit card they will give me {$45.00}. So I applied for the credit card that same day and was approved for XXXX limit. I attempted to use the card online and it was impossible to use. I called Syncrony Financial and XXXX XXXX, and they were not able to help to buy the trampoline with the credit card I qualified for. I called multiple times that day, and no one was able to help. They said they would email me a link to make the purchase with the new credit card and nothing worked. Synchrony said they were not able to give me the credit card info for security reasons. They informed me once I receive credit card to make purchase and I will receive the promotion. When I got credit card almost 2 weeks after I went into XXXX XXXX Website and bought the trampoline, and called Synrony to ask when will credit be applied, and they are telling me because I did not buy the product with the credit card that same day they can not honor the promotion. Then I called a second time and they said they will put in a request and it should take two day. I called today and they told me they don't see the credit and that they will put another request and to give it two more days. At this point I have lost confidence in synchrony and I just want them to give me the XXXX dollar credit promotion as they promised. I don't need the credit card I could have bought this cash, but I wanted to take advantage of the card promotion and the points they offered. I am so upset at them that I don't even want to use the credit card anymore and I just want the credit. I am asking for them to be ethical and to give me the XXXX dollars they promised.
XXXX and Transunion are both alleging that the XXXX XXXX account reflected on my credit report is accurate and verified. The inaccuracies listed below : *The account type listed for XXXX is factoring data and collection on Transunion XXXX reflects a past due amount of {$480.00} and Transunion reflects XXXX *XXXX reflects payment history as ok from XXXX ; Transunion reflects no payment history *The account number differs among the 2 bureaus *They are allowing XXXX to list 2 different names among the bureaus for the same account These inaccuracies alone are grounds for removal. Additionally, in my communication with XXXX, if they indeed own the debt, they did not provide any credit card agreement forms, a mere statement does not validate the amount alleged to be owed. XXXX did not provide a comprehensive accounting ledger of the account.
Caller failed to idenify themselves or that they attempting collect a debt and said that it 's not on them, nothing will happen to them only to my husband who has by the way already filed Bankruptcy I told them he was under bankruptcy protection and they said they did n't care.
Fraudulent charges appeared on the account of the authorized user, American Express closed that account ending in XXXX and opened a new account ending XXXX. 
However previous merchants who still had the old account number continue to post charges. 
Last year XXXX posted an unauthorized charge, which was disputed and reversed on the old account. 

The same another company. 

The account was issued in XXXX 2015. 

On XXXX XXXX 2015 both companies posted fraudulent charges using the old account which American Express supposedly close, and posted to the new account number. 

The new account number was not provided to them by me. 
On XX/XX/XXXX I called Amex spoke to XXXX is Utah, he assured it will not post. 
On XX/XX/XXXX the charges are posted, I spoke with XXXX in XXXX XXXX and he gave the run around, finally he transferred the call to his supervisor XXXX, who disconnected the calls. 

Once the old account is closed no one should get an authorization or post charges. Should be either is open or close, these charges were not authorized or consented by, American Express apparently allows fraud. 

This sort of activities must cease once the account number is closed nothing else takes place.
I,  XXXX   XXXX   XXXX , have a business that uses PayPal to accept payments for  XXXX  auctions and to process payments on my computer service website. I have had my account limited due to an  XXXX   XXXX  department that is reviewing accounts  for PayPal. I have provided PayPal with numerous documents that they requested, and have gone above and beyond what is legally required for a sole proprietorship in my industry. I have given them Proof of  business registration, Supplier contact information, Invoices for purchases, A statement of my business model, and many other supporting documents. I was instructed by a CPA and a lawyer to create a business checking account, and when I tried to add that account, it was not allowed by their system. Adding a bank account would in fact solve this problem of compliance, and would reinstate my account since currently I have no access to my funds. I c alled the PayPal support number to get this fixed, and they said the limitation was preventing adding a bank account.This is n ot true. According to their own " resolution center '' I am allowed to add a bank account, but their system refuses to allow it. I have screenshots of the page before they " fixd '' it so that does n't show up now. I have done everything they asked, and now I do n't have access to my money, and  XXXX  only use s two payment processors, so I ca n't even do business because of this negligence. I would  like to have the compliance department to review this account and figure out why this has n't been handled already.
Over the past few months I have received numerous calls XXXX and they have on multiple occasions stated they were a law firm, and that they had a court order. When I asked for a copy of the debt they say I owe they wo n't mail me one. Then they called and said because they noticed I was a XXXX that they would immediately garnish my wages because of the court order and make me look bad to my new job. 

The debt is long past collections limits.
My husband died in XX/XX/XXXX and I was making the house payments but, fell behind because I had to fix the the house. I have been trying for 2 years to talk to the bank but, they keep saying that I am not on the mortgage. I sent them a copy of the mortgage that, shows my name and it took them months to acknowledge. Then they took me to court and said, my dead husband filed for bankruptcy and gave up the house and got a judgement and the house now has a sale date. I applied for a modification and they keep sending letter I did not send documents and when I call they find them. Now they want me to start the who process again, when I have submitted all the documents. Please help me.
I opened a utility account with XXXX XXXX XXXX. When I received a bill from them the bill included a much larger bill than could be possible. When I called XXXX to discuss the issue they finally agreed to investigate after a great deal of prodding. 

Upon completion of their investigation, they determined that the previous account holder had done some illegal things to steal power and they had aggregated all of the previous account holders usages and placed them on my account. 

After getting a manager involved they admitted to their actions and they reduced the bill. But what it appears that they did to be spiteful, they send the balance to be paid to a collection agency ( XXXX XXXX. ) The problem is that now that I have paid it on my credit report as if I was a delinquent customer rather than a customer that was improperly billed. 

I am a XXXX and I have many XXXX. Tenants are responsible for their own utilities. When a tenant moves out I have to place the utilities in my name for a limited amount of time. XXXX XXXX XXXX has systematically tried to make me pay for all unpaid bills that the previous tenant has not paid. 

XXXX XXXX XXXX has a policy of attempting to confuse bills by aggregating multiple bills together in an attempt to confuse the consumer.
XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I have submitted a request for over two years to remove the above accounts off my credit report with Experian & XXXX advised them to validate the account as I have no knowledge of the XXXX accounts. 

It was removed from XXXX but still remains on experian and XXXX
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
To make matters worse, it 's been reported that they 're giving random information as to whether specific individuals had their information compromised making it impossible to know. This was systematically tested, proven, and documented at the following website XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 's website is incredibly vulnerable to SQL-injection hacks and is incredibly insecure.
I really appreciate the CFPB for escalating my concern.
I had a mortgage at Citimortgage. The second to the last payment ( XXXX ) I paid {$250.00} extra towards the principle. The escrow account had enough in it to pay off the balance. I have a confirmation number for this transaction ( done over the phone ). This was not done, but my mortgage was sold to another lender, XXXX XXXX, ( XXXX ), and now it will cost me about {$50.00} more dollars to pay it off. I have called twice to Citimortgage, and been told that there is nothing they can do about it now, the loan is with the new lender. I called XXXX XXXX, and requested a payoff, and it 's been over a week, and have received nothing.