WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted XXXX XXXX, specifically regarding a late payment in XX/XX/2016 on my XXXX credit card, while they were very friendly and did their best they were not able to resolve the issue as their records could not go back further than 2016, I would like to have this late payment removed as I have had this card more than 10 years and other than the one incident, which was due to bank fraud prevention measures being put in place that required me to update and change some banking information, I have had a perfect payment history, Literally 1 missed payment in over 10 years with this card as well as all other cards. I have set up automatic payments to prevent any future missed payments. I take my credit responsibility very serious and would be extremely grateful to be able to remove this nasty blemish on my history. I've had some rough responses from creditors lately after seeing this one 30 day late and its been severely hurting my chances at the best options available. I absolutely appreciate the time taken by the CFPB and XXXX to look at this issue. Thank you both for your time.
As a result of the XXXX breach, I 've been trying for days to request my credit report from annualcreditreport.com online. Each time, I have received a message "... can not be fulfilled online at this time, based upon the data provided. '' Today 's message included more information : " To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. '' The alternate solution was to request the information by mail. 

I did NOT want this private information delivered by mail because of frequent Post Office misdeliveries. So, I called the phone number provided and gave the exact information that I 'd given previously to get it online : Name, address, ss # and DOB. Given a choice of the three companies, I chose TransUnion. I assumed the next step would be for me to talk to a person and provide additional information to verify who I am. 

Instead, the auto-call abruptly ended with a message that my credit report would be mailed to my home in a few weeks! I am so upset that security is so lax with my personal information, and that I had no choice to opt out of them mailing it to me. I fully expected that whatever the glitch they detected in filing online would be resolved by the phone call and I would immediately receive the report by email. 

In addition to being one of those whose information was compromised according to XXXX, my detailed information is now being sent by snail mail, without the benefit of challenge questions. It 's irresponsible!
In XX/XX/XXXX I received a letter from American Express stating that my APR was going to be increased. I called in XXXX XXXX to object to this increase to 15.24 %. I spoke to a representative named XXXX at XXXX, who put me on hold to speak to his supervisor to discuss my objection. He came back to the line and told me he was happy to tell me that my APR rate would not change and would remain at its original APR which was 10.24 %. I documented the employee 's name, date and time of call, and he gave me a reference number which is XXXX. When I received my XX/XX/XXXX bill I saw that my APR had been increased although I was told it would not be increased. I called and I spoke to XXXX representatives, XXXX supervisors, and a manager. I spoke to XXXX on XXXX/XXXX/15 @ XXXX XXXX ; he passed me on to his supervisor XXXX. XXXX told me he could submit a request for my APR to be reduced and file a complaint, but that was all he could. I was very frustrated as I wasted my time talking to them. I called American Express back during normal business hours the following afternoon, hoping to get better results. I was disappointed. I spoke to XXXX this time and he told me he could not do anything for me, so I asked him if I could speak to his manager. He encouraged me to push the issue as far as I needed to in order to get what I needed. He then passed me to his supervisor named XXXX. XXXX said that all he could do was offer me the XXXX dollars to compensate me for the increased APR on the purchases I made. I then asked to speak to his supervisor and he gave me XXXX. She was based in XXXX XXXX, Florida. She told me the same this XXXX said and was very apologetic. I accepted her apology, but told her that I wanted her company to keep their word and keep reduce my APR back to 10.24 % since they told me it would not be increased. They each told me that they do not know why the representative told me my APR would stay the same because he does not have the authority to do so. I told each of them to listen to the recording of the phone call, because he left to speak to a manger during the call. I am upset by this ; I made purchases on my card believing my purchases would be at my 10.24 %. The American Express employees that I spoke to said the best they could do for me is give me XXXX dollars to cover the difference in the APR for the next few months. XXXX dollars does nothing for me ; I want them to keep their word and reduce my APR back to my original 10.24 %.
I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX XXXX for validation of the debt without response, I disputed the account with TransUnion. TransUnion supposedly investigated it and came back and said that proper validation was provided to them. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I was provided a XXXX page accounting with the name " XXXX XXXX '' and the address of the apartment complex on it. I again asked for proof this was my account because I did not enter into any lease agreement with that apartment complex. XXXX XXXX will not provide it to me and TransUnion will not say anything other than the account was properly validated. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? TransUnion will not remove this account even though it has not been able to properly validate it as being my debt. I have repeatedly asked to see the documentation proving it is my debt. Neither TransUnion nor XXXX XXXX has been able to provide any such document. THIS NEEDS TO BE REMOVED FROM MY CREDIT IMMEDIATELY!! Thank you.
On XXXX XXXX, XXXX I opened a coin base account and transferred {$5000.00} into my XXXX wallet within the account and purchased XXXX XXXX coins for {$3000.00}. After this I transferred XXXX back into my bank no problem. so now I am left with {$3500.00} in my XXXX wallet and about XXXX XXXX coins. After this for some odd reason I was unable to move my money from my USD wallet back to may bank and I was unable to sell my XXXX. whenever i would attempt to make a transaction within my account a message would appear : " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn ''.  Then I proceeded to the link and provide my information. I provided my information correctly multiple times however, coin base system will not verify my identity even though I am who I say I am. So now after developing distrust with coin base my moved my XXXX to a different virtual wallet, but my XXXX is still left locked within my coin base account. Coin base has been terrible with trying to help me. they say their " specialists '' are taking a look into my case and when i ask them who the specialists are and where their offices are they have no answer. I would juts like my XXXX in my XXXX wallet back into my bank. 
Coinbase : " We have been experiencing a high volume of escalated cases recently and would like to thank you for your understanding and your continued patience while we review your account. XXXX # XXXX If your request is cleared, well send you an email. ''
I recently received my credit report from Equifax and notice various inaccurate accounts listed in the hard inquires section. As listed, these are the following allegations that were reported. XXXX XXXXXXXX XXXX XXXX  XXXX ( XX/XX/2017 ), XXXX XXXX ( XX/XX/2017 ), XXXX XXXX XXXX ( XX/XX/2017 ), XXXX XXXX, XXXX ( XX/XX/2017 ), XXXX ( XX/XX/2017 ), and XXXXXXXX XXXX ( XX/XX/2017 ). All the following hard inquires were not authorized by me and I not consent to these companies to use my personal information. I have tried many times to resolve this issue with by phone but never a successful outcome.
Experian has refused to update my personal information correctly several times. I have sent numerous letters asking them to correct my information. They just keep saying verified. Verified with who??? Here is my Identification with my proper address. I told them I never lived at the address they are reporting. They said the creditors are reporting this. The creditors " reporting '' this address is the account opened by the identity thief. Attached is my proper Identification and address. I would like my correct address displayed properly on this credit report and not this fraudulent address.
Navient, has never offered any solution into lowering my student loans currently totaling more than XXXX dollars making impossible payments with no forbearabce option, no income driven ( currently unemployed ) and putting payments to their convenience. As i was trying not to affect my cosigner they would apply payments to higher interest payments and would deny in the past the possibility of a cosigner release even when i had all the requirements. The amounts do n't go any lower and my work condition worsens as i studied in a for profit XXXX XXXX which also cheated on my expectations for my future. Basically ruined my future
I have been contacted on numerous occasions by the mortgage servicing company, Ditech Financial, LLC on behalf of my deceased mother 's account, whom was the sole-owner of the mortgage debt. The loan inception date was dated back to XX/XX/XXXX, under Green Tree Servicing. She passed away in XX/XX/XXXX ; the family has been in the process of legally obtaining the Administrator of Estate in the state of Georgia. Currently there is not an executive administrator in place in place for any person ( s ) to legally handle her debt with any debtors. We have advised them on several occasions of this matter. I myself have continued to make payments on the mobile home using my fixed income until we can get all the legal matters cleared. Unfortunately, the payments were not made promptly each month and they have called and harassed daily on my cell phone and landline to collect on the account. The main issue is I am not the original loan holder and do not feel i should be harassed in such a manner by the company or its collectors ; they have threatened to come pull the mobile home from the land, mailed certified letters to my address, canceled insurance ( per their conversation ), and will not provide any significant details on the account except the current payment due and demanded I pay immediately using their preferred method of XXXX/or XXXX services to bring the account up to speed. The representative name over our account is XXXX and she has been contacting me for over two years now and is fully aware of my deceased mother and continues to contact me with harassing collection practices. On one occasion a representative contacted me regarding the debt and I advised her of my fixed income situation and the legal proceedings of the Administrator of Estate. The representative advised me the account could possibly qualify for some type of " hardship '' after we brought the account up to date but we have yet to receive the paperwork.
Mr Cooper has charged me {$1200.00} a year for 4 years for PMI when my loan balance is {$100000.00} and my tax assessment is {$290000.00}. They make it virtually impossible to submit a request for stopping PMI and this is just an Unfair and Deceptive Practice for their PMI revenue. Please tell them need to remove PMI from my account immediately and send me {$5000.00} for the last 4 years of payments in which I also have an XXXX credit score. This process is UDAAP and should be investigated by the CFPB.
Dear Sir or Madam, This is my second complaint letter about the same inconvenience the bank caused me. I was not convinced by their previous explanation.     I received a letter from  Chase  requesting documentation late  XXXX   XXXX . I am copying part of it listing documentations requesting : Proof of immigration Documentation Please bring one item from the list below to any branch by  XXXX / XXXX / XXXX  to prevent account closure.     Proof of Immigration Form  XXXX  Permanent Resident Card or Alien Registration Receipt Card Form  XXXX  Receipt Notice for an  XXXX  Application to Adjust Status to Lawful Permanent Resident Foreign passport that contains temporary  XXXX  stamp Foreign passport that contains  XXXX   XXXX  printed notation on a machine readable immigration visa Form  XXXX  Re-entry Permit Form  XXXX  Employment Authorization Document  XXXX  with parolee, refugee or asylum stamp Although their letter had a typo (  XXXX  instead of  XXXX  ), I provided them with my Employment Authorization Card ( OPT card ) which is issued by  XXXX  and is valid until  XXXX   XXXX . They closed both my checking and saving account on  XXXX   XXXX ,  XXXX . I issued a complaint and here is part of the explanation letter : We sent you the enclosed letter dated  XXXX   XXXX ,  XXXX , requesting proof of immigration documentation. The letter included the list of acceptable forms of proof of immigration documentation. The letter requested that you provide the additional documentation by  XXXX   XXXX ,  XXXX , in order for your accounts to remain open. We thoroughly reviewed the documentation you submitted and determined it was unacceptable because it was partially illegible and reflected an invalid category code.       They claim my  XXXX  card reflected an invalid category code. How would I know the valid category code? They didnt even include valid categories in the first mail they sent me requesting additional documentations. If I knew my card is invalid as they call it, I would have never bothered. I spent a lot of time reaching a branch and talking on the phone to their executive office.     The bank gave me a lot of hard time. They wasted a lot of my time. They caused me a lot of inconvenience which was listed in my previous complaint letter. I still believe they didnt act responsibly. Id appreciate your investigation.     Thanks,
XXXX XXXX XXXX stated I was in their database due to an account with XXXX. I have never had an account with XXXX and I have contacted them to inform them of such.
I have notified Equifax on many different occasions that the following addresses do not or have never belonged to me. Please remove the following addresses from my credit file : XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX
I contacted Quicken Loans on Friday XXXX/XXXX/16 and spoke with XXXX to discuss refinancing my FHA mortgage. I informed XXXX of my estimated credit score, how much the original loan was for, and how much the remaining balance was, as I wanted his honest opinion on whether or not he could help BEFORE he pulled my credit. I told him that other lenders have told me that attempting to refinance after only 6 months would not be possible. XXXX immediately informed me that Quicken loans had very aggressive products and could do things a traditional lender could n't do. He stated that he felt sure he could save me hundreds of dollars on my monthly payment and that my current lender would most likely not want to refinance my loan as they were earning money from the interest. I asked XXXX if he felt that Quicken loans could save me a substantial amount of money every month to which he replied " absolutely. '' Feeling encouraged, I gave him my social security number and authorized a credit pull. He told me he would " run the numbers '' and get back to me. I spoke with XXXX again on Monday XXXX/XXXX/16 but his tone was considerably different. He informed me that my debt to income ratio was too high and that it would be difficult to do anything for me. He ultimately stated he could refinance my loan saving me a whopping {$40.00} per month but I would have to front almost {$3000.00} in closing costs ( at that rate, it would take my 6 years just to break even again from the out of pocket costs ). I asked him " is this the type of aggressive products Quicken Loans offers? This is XXXX! '' I contacted a supervisor on XXXX/XXXX/16 to discuss and spoke with XXXX XXXX. I told her about the situation and asked her to remove the credit pull from my history as I felt XXXX performed a traditional bait and switch and falsely advertised what Quicken Loans could do for me. She stated she would look in to it. XXXX then called me back on XXXX/XXXX/16 and informed me that there was nothing she could do.
Inquired about {$300.00} increase and did not receive a response to the request.
bank of America morg has remove funds from my acc. checking,, for any amount, anytime, no notification ... .i had boa fraud dept. retrieve my funds so many times,,, on record. also i pay my morg. payment on time not a minute late or a dollar short ... ... .. they say i default on payments,, but checking services claim i did indeed make my morg. payments. morg dept. will no except conformation #. all was resoled XX/XX/2015 ... ... i thought? boa start it again with it all the same trouble,, also a great foreclosure notice,,, expires XX/XX/2015. they now deny it and i always pay have evidence to back all claims. please help everyone says boa is insane! XXXX, XXXX XXXX I DONT NO HOW TO ATTACHED DOCUMENTS,,,,, BUT I HAVE A XXXXLB BOX FULL OF BOA DOCUMENTS,,,,, EVIDENCE ... CAN B MAILED
i HAVE SENT THREE CERTIFIED LETTERS TO THIS COMPANY DISPUTING THIS AND I HAVE RECEIVED NO REPLY. I HAVE ASKED FOR VALIDATION OF THIS DEBT BEARING MY SIGNATURE PER CERTIFIED MAIL STILL NO REPLY THEY HAVE NOT MARKED MY ACCOUNT AS DISPUTED WITH ONE OF THE CREDIT BUREAUS AND ITS BEEN WELL PAST 30 DAYS THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 623 ( A ) ( 3 ) AND THE FAIR DEBT COLLECTIONS PRACTICING ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN 30 DAYS
I sold some computer networking equipment on XXXX in XX/XX/2017 to a buyer. this buyer kept my equipment for a few weeks and then decided to try to get a refund. I have a strict policy on eBay for computer networking equipment of no returns, for the reason that people can buy the equipment and use it for temp purposes and then return it. The buyer opened a case with XXXX and XXXX closed his case finding that I followed proper procedure and did not need to issue a refund. The buyer kept my equipment and filed a credit card dispute with his bank and did not return the equipment to me or even attempt to. PayPal who handles transaction for XXXX immediately charged me and put my account in negative before anything was decided in this dispute from the credit card company. PayPal continues to charge me late fees and weekly emails about sending me to collections unless I pay this debt. PayPal has done nothing to protect the consumer and especially the seller in this case. I have called PayPal multiple times about the weekly emails and the case is still open but I am being held responsible for this negative balance. The policy is backwards and left the consumer and seller with a mess on their hands. As the seller I don't have the equipment that was shipped, used and still being used from the buyer and left to cover the shipping cost and the cost of the equipment. PayPal is the worst customer service organization I have ever dealt with and the protection of consumer rights is being violated.
I am the victim of identity theft and I noticed that XXXX has deleted the accounts that are not mine but Equifax has not done so. As a result I have an 'Excellent ' credit score of XXXX with XXXX and a 'Fair ' credit score of XXXX with Equifax. Another person named XXXX XXXX opened up the accounts using my information without my permission and charged up the cards to the tune of XXXX dollars. I have previously disputed those acounts. I am complaining about Equifax 's false reporting because they are being unfair in keeping those accounts on my record when I did not open them and derived no benefit from the ill gotten gains of XXXX XXXX. This is a violation of the FCRA for which they could be sued. The accounts are : XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX for XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX for XXXX XXXX XXXX XXXX XXXX {$7200.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$7600.00}
My XXXX installment loan is reflecting as open with a balance on my Trans Union credit report when it has been paid off and closed for more than 60 days ( XX/XX/2017 ). My XXXX report shows it correctly with a status of paid and XXXX balance. I have tried to correct this directly with Trans Union however, twice now they have come back and said that XXXX is confirming that the loan is open with a balance. I have attached a paid in full letter from XXXX confirming the installment loan is paid off which is a contradiction to what Trans Union is saying.
my vehicle was repossessed by TD auto finance. I was behind granted due to some financial issues. I had tried previously to speak with reps about a deferment and said I could n't have one nor do a repayment plan. after they picked up my car I asked if I could just pay what was past due and hold off on the late charges. one rep stated that I could n't so I asked to speak with the manager she gave me a supervisor. he said no as well. I called the next day to try again. I spoke with a girl name XXXX and she did try but said no one was there for me to speak with. I called back and got the same rep back from the previous day she said no and would n't allow me to speak with a manager. I asked for the manager name and she told me they do n't give out that information. she hung up on me. then I spoke with another guy named XXXX I asked to speak with a supervisor again. he said that I had already spoke with one and the answer is no. I asked him why was up raising his voice. he stated to me that I was lying on people and he said he was going to hang up so he did. I was treated very unfair by them. then after I had to beg people for the money to pick it up I had to pay addiontional fee on top of the money I had already paid td auto finance to get it back. after I paid td I had to call hide and seek recovery not know I had to make an appointment with them to get my car. they did n't want to release it. they wanted me to wait an additional day on top of what I had paid to be charged more money. I adv the lady I spoke with that I had no other way to come back to XXXX, texas if I did n't have a car. they finally gave it to me. I did n't appreciate how td auto finance handled their end. just because a person is down on their luck does n't give you the right to be rude. also they would n't provide me with any docs showing what I paid