WillisBack/dataset-financial-user-claim huggingface dataset:
After paying for nearly three years, I got an email from XXXX that would not tell me my balance and minimum. I assumed that it was fake email but when I called the help line the first excuse was a dispute with my previous address and now the line they are telling that I was going to transfer my address, both which is untrue. All I want is to restore my normal email from XXXX explaining me my balance each month. I hoped to pay them off, they have no attempt to resolve the problem or to recognize the problem lies with them. How can pay off a debt if can not be informed of my balance. When I even asked for my balance I had to beg for the information. I filed a complaint with the XXXX XXXX and refused to response. Like I said every attempt to resolve end up a different story each time. I even pay too much to run a report from my bank XXXX to prove that I pay each month on time the minimum amount each time. They seemed to ignore and discredit my problem. No attempt to resolve this problem. XXXX XXXX
Equifax lost consumers ' private information to hackers and my information is also hacked according to them. It happened maybe 3 months ago and now they are reporting it? XXXX. 
If impacted, they should 've automatically put my credit profile on freeze and alert other credit reporting agencies. 

I even had to pay {$10.00} to XXXX to freeze my credit for equifax 's fault 'cause I am a CA resident. Unacceptable!
In XXXX 2015 I applied for a mortgage with Carrington Mortgage. I had an accepted offer on a house and the deal fell through because Carrington did not act in a professional manner and continue to act in an unprofessional manner. Recently I was asked for the same information only to be told that I MUST provide pays tubs although I am self-employed. I know that that is untrue. I feel as though I am being discriminated against.
I was requesting a pre-approval letter from XXXX XXXX, Branch Manager of XXXX XXXX XXXX of Fairway Independent Mortgage corporation, and, on XXXX/XXXX/XXXX, I texted to him that I did Not want my credit report pulled for it. He agreed, and sent me a pre-approval form to complete. A couple days later, I received a call from an assistant or staff member of his indicating that my credit report was pulled, as well as my wife 's! I immediately notified her and XXXX XXXX to retract the credit pulls and he notified me that they may not be able to because they go through a separate company to pull the records. I last texted him regading this on XXXX/XXXX/XXXX and he said that he was still waiting on if the inquiry could be removed. Since then, I have not heard back from him.
I am unable to get my TransUnion report from annualcreditreport.com. I have spoken to XXXX different agents at TransUnion. XXXX tell me that I ca n't access online because I have multiple accounts with my Social Security number, and transferred me to dispute resolution, where they have not been able to do anything. XXXX have said I do n't have such multiple accounts. But I am still denied online access to my TransUnion credit report. What I want is to be able to order my report online, and to know whether I do or do not have multiple accounts associated with my SS number.
On XXXX XXXX, XXXX I sent written notification to Citibank via their electronic messaging system to close my XXXX XXXX XXXX credit card. I received confirmation the same day that the account was closed. I found out today, XXXX XXXX, XXXX, that the account is still open, recurring charges have been posting to it, and I was just charged the {$95.00} annual fee again. 

Some time between XXXX XXXX and today, the link for the messaging system has been removed and replaced with an " e-Communications '' link, and my previous notification is not visible. However, the previous messaging system and its contents are still available by linking directly to the site. This may be a simple oversight, or an intentional plan to deceive customers and continue to accrue charges and fees. 

I have contacted them again and am awaiting their reply.
I have a used car loan with Santander where I make a monthly payment of {$310.00}. I have recently gone through a financial hardship and have had a hard time making on time payments every month. 

I am looking to lower my monthly payment along with interest rate.
USAA BANK WILL HOLD MY DEPOSIT UNTIL AFTER NSF FEES HIT MY ACCOUNT ; THEN THEY WILL DEPOSIT MY FUNDS. I BELIEVE THEY ARE DOING SOME DECEPTIVE PRACTICES WITH NSF FEES.
Since XXXX of XXXX I 've sent several dispute letters to Experian thru certified mail and online direct dispute regarding an account that keeps changing different items that is affecting the 7 year removal date. I had 2 accounts with the same debtor that went delinquent on the same exact date and both should have the same removal date. Both accounts were removed by XXXX XXXX XXXX due to the 7 year date, and I sent the information from XXXX along with a follow suit letter showing the correct information and prove of deletion with no resolve. Experian has the same accounts with one having a removal date of XXXX XXXX and the other having a removal date that has changed several times and the latest date of removal now states XXXX XXXX. This date along with the first reported date changes every time i dispute and ask for the information experian received to validated and verify the dates and information. Till this day I have not received any of the information I have requested and that I 'm entitled to from experian regarding this account except a pre-generated generic letter saying the information has been updated. This account should have the same exact dates as the other account and should have the same removal date also, because as it sits today it looks like the account was just opened or reported and will be on my file for a total of 14 years. I feel as if experian is not investigating my dispute as guaranteed by the laws and rights afforded to me by CFPB and other governing bodies. The account has been and is being re-aged as my attached documents show and it 's making it very very difficult for me.
macys credit card -- when we moved we changed all to new address made a couple of purchases never recd a bill would never have known that they were sending my bills to old address how i found out was i get my annual credit report and seen this i called them and and asked what happened found out they were sending bills to wrong address we changed to correct they told me i owe {$170.00} dollars they said if paid would take off all credit reports they were paid in two days i called them after 3 days said didnot rec yet called back and next person told me they did rec two days later but will not take off credit reports they just wanted there money XXXX had an XXXX credit score i always pay my bills this dropped score down a lot and i did nothing wrong not my fault they did not do there job updating there system when i sent them change of address how is this my fault they could have even called me they have my number it has not changed can you please help they wont even honor there deal oaid in two days they would take off credit report
Wells Fargo filed a foreclosure with the XXXX County courts on last Tuesday ( XXXX/XXXX/XXXX ). A Case Management Conference has been set for XXXX/XXXX/XXXX at XXXX. They have n't even served me as of today ( XXXX/XXXX/XXXX ), but yet " questionable '' summons have been submitted to the courts. My mailbox has been inundated with letters from local attorneys attempting to solicit my business on a matter that I knew nothing about. I tried to get another HAMP modification after my hardship began on XXXX/XXXX/XXXX, but I was told verbally and in writing that I did n't qualify because 2 years had n't passed since my last application. I have reached out to Wells Fargo more times than I care to count and only to be denied further assistance from their rude and unprofessional customer service representatives. I had to go online to find the Homeowner Financial Assistance Form and Hardship Affidavit Form in order to submit my modification packet on today ( XXXX/XXXX/XXXX ). I 'm awaiting a response from their Home Preservation Department.
I have been paying the interest  on my loans for three and a half years now. Navient has changed its website several times. The first time they changed it, I had to click on Tools and Requests in the new Navient website and then click on Go to previous website to pay my interest on my loans. In attachment # 1, you can see all of the  loan information, how they represented it, and the interest I paid on each loan. The loans go from  XXXX  to  XXXX  in the first attachment. This is what it look like for the past three and a half years. They recently changed their website again this month of  XXXX   XXXX . This new format is se en in attachment # 2. Now in attachment # 2, notice you can see four extra loans at the top of the page which are not in attachment # 1 and have not been for the last three and a half years that I have been paying interest on these loans. These extra loans that appeared out of nowhere for the first time in three an d a half years are as follows : 1-01-Stafford-Subsidized,  XXXX  Stafford-Subsidized,  XXXX   Stafford Unsubsidized , and  XXXX   Direct Loan-Subsidized . I know this is not suppose to be there, because in attachment #  XXXX  it shows loan number  XXXX   Stafford Unsubsidized  with an interest that has accrued in the amount of {$370.00}. None of my other loans show accrued interest, because I have been paying on them every  two  weeks which is proven in attachment #  XXXX . This loan (  XXXX   Stafford Unsubsized  ) has apparently been buried in their system somewhere for the last three and a half years, because a Navient representative (  XXXX  ) told me I got that particular loan in  XXXX  when I went to  XXXX  University. I started going to  XXXX  in  XXXX  of  XXXX . My compliant is that  Navient  has misrepresented my loan information, so now I have accrued interest of {$370.00} on loan number  XXXX   Stafford Unsubsidized,   because they left this loan out my sight or off of their records and website for the last three and a half years. I understand that I have to pay the accrued interest, but they have misrepresented my loan information for the last three and a half years on their website. I called them on  XXXX   XXXX ,  XXXX  and they acted like they just did not care. They could not explain what had happened, admit it, or even why it happened.
On XX/XX/XXXX received a telephone call from XXXX collection agent, XXXX # XXXX. She stated that I need to make a payment towards my mortgage and it was delinquent 15 months. First I told her that I was not delinquent 15 months as 3 months have not been credit to my account from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and further I was under review of a modification that was fully submitted on XX/XX/XXXX and waiting for a decision within 30 days. In a condescending tone, she stated that my modification was not guaranteed and my payment can go up. She further stated that since I was not making a payment I must not be able to show the bank that I am able to afford the house and therefore she is noted my account that I need to look into other types of programs such as deed in lieu. I told her that I was not going to be threatened by her and to speak to my Point of Contact. I was on hold for over 30 minutes and then hung up and called back 2 more times with no success. I contacted the HUD Department and waiting to hear back from them before next week.
i have contacted EQUIFAX on multiple occasions via phone or website in an effort to dispute information on my equifax report. 

equifax disconnects you and on webpage when you hot submit the system crashes i have exhasuted all venues to have these items removed please help see attached
Citibank has repeatedly frozen my accounts and placed fraud alerts although I have had ample funding. At one point I have been able to make certain transactions while others were denied. When I contact them via telephone, they are unable to send me text messages to the phone numbers provided in order to address any concerns. My debit cards have been frozen while I have been at merchants trying to make payments and the bank is unable to confirm my identify even with personal information which I am able to view online. The telephone representatives never provide any information on your accounts and you are unable to address any issues with the bank. They repeatedly tell me that I need to call back once I receive secure messages. I have provided them with my cell phone number and I am often told they need to call my work or another phone number which I may not have access to at the time. The wait times to address fraud activity is extensive and you are often left at merchants for extended periods while the phone rep fails to address the concern. I recently updated my account, received a new debit card and checks. I logged and the new account is missing. I have logged in to see secure messages saying that they tried to contact me which is false. I never receive any calls to my primary mobile phone regarding any suspicious activity and when I call no one is able to assist me. This has happened in excess of ten or more times. Below is the  message below I received via secure mailbox. 

" We have reason to believe that your Citibank Banking Card may have been compromised. We have attempted to contact you by phone to speak with you personally but have been unsuccessful. As a precaution we have reduced your daily purchase limit. Please contact us immediately in order to confirm your recent account activity and restore your purchase limit. This can only be done by directly speaking with our Customer Service department. Representatives are available to assist you, 24/7, at  XXXX. If you are calling from outside of the United States, please call collect at XXXX. ''
I filed an insurance claim for hail damage in XXXX. I submitted partial documentation to the mortgage company as requested in XXXX XXXX. In XXXX XXXX I received additional insurance checks from the insurance company. I sent these two new checks to the mortgage company in XXXX XXXX. After sending the checks in I was told additional documentation was needed in order to release the funds, this would have been XXXX XXXX. I sent in the additional information as requested in XXXX XXXX. In XXXX or XXXX XXXX, I received a phone call stating the information was not correct and still needed to be provided. The requested documents were sent in for a second time in XXXX XXXX. The mortgage company failed to call or make any attempts to let me know that this was not sufficient again until XXXX XXXX. Again, I complied with their request and sent in the documents for a third time. Again, I received no communication that these were not sufficient. My wife called in XXXX XXXX to see if the checks would be released and she was told yes that everything was good and the funds would be released. On XXXX XXXX XXXX I received a phone call stating that the mortgage company still required the additional documentation to release the funds. This process has dragged on for almost 18 months with no resolution in sight. I am again required to send in the same documents a fourth time. The process they have set up is convoluted and very secretive in how the documents should be filled out and what is exactly required when filing an insurance claim.
Capital one credit card services has been reporting a fraudulent account to the CRA 'S, I have attempted to talked to the co. that this account was opened not be me, I sent disputes to The XXXX CRA 'S seeking identity theft as well as asking for the verifying documents that support the claims that this account belongs to me, I have got no documents such as the application and any other info that would suggest that this fraudulent account belongs to me. This account is definitely affecting my creditworthiness, and according to the FCRA Laws that are in place for the consumer if this is clearly unlaw because it states that within the dispute the CRA 'S should be able to report and issue supporting documentation to the consumer when it is requested as to how this verification process of this account was obtained, and they have not with the 2 attempts that i have tried in wrinting disputing this account with Capitol one.
I disputed this debt via another debt collector last year that had this debt and it was deleted off my report due to not having proper documentation to collect the debt. Also once this debt was removed it can not be placed back on my credit for collection and if it does it gives me the right to sue any party that violate my rights.
Equifax had a breath of security and my information was reported to be part of this breach according to their breach information webpage. XXXX put their trust in these companies without a choice. These companies are responsible for keeping this information safe a private. 

I have filed for a freeze through Equifax 's freeze request website and paid the {$3.00} to do so on XXXX/XXXX/17.
I paid off Nissan Motor Acceptance Corporation in a timely manner. I do n't understand why a charge off has been placed on my credit report. Nissan requested that a payment in the amount of {$850.00} had to be paid in full by XXXX/XXXX/2016 by XXXX XXXX. I paid the {$850.00} by the date that they specified at XXXX XXXX. They informed me that the payment was received on XXXX/XXXX/2016. I informed they of my payment on XXXX/XXXX/2016. They stated that it did not meet the deadline that they requested and XXXX XXXX XXXX time was too late because they closed at XXXX XXXX. I was not informed of the time specifications and as a result they placed a Charge off on my account. I would like to dispute this because in all earnest I made every effort to pay by the deadline that was set by the company.
EXPERIAN thinks I'm deceased I'm am not me and my father had same names and merge his accounts onto my report I'm deceased with, XXXX, XXXX, XXXX XXXX multiples credit inquiries, portfolio, social security admin, I tried getting stuff off I get no answer, some stuff on here I was recovering from XXXX XXXX XXXX XXXX  XXXX
I had a complain w/ this company secure billing service the treating me that they gon na sue me and bring me to court and this person name XXXX XXXX and his tel. No XXXX he told me that i have already my name in court and they are so disrespectful and the way he talk. It 's so unprofessional and I 'm complaining this company so that they will say this kind of works to the costumer.
I was online reviewing product on Ashley Furniture I wanted to Finances the product they inform me that I can not Finance for order on line and I can not apply for Ashley Furniture XXXX Card because I not in the purchasing their product. What is their not Ashley Furniture in your city the store in XXXX sell their product but not a Ashley Furniture XXXX so is it fare to say to customer that do not have Ashley Furniture XXXX near them the can not apply for credit Card or Finance the Furniture everyone should have the same opportunity as those customer that have a Ashley Furniture XXXX in the State or Neighborhood. Please investigate Ashley Furniture Product and Service are legal and not violating all customer rights and they working the business according to United States Federal RegulationsIt 's the card that suits your style & budgetWe designed this card so you can enjoy everything Ashley Furniture XXXX has to offer, plus these benefits : Special financing availableQuick approvalConvenient payment options24/7 account accessSecure online payments & ebill statementsNo annual feeMoney-saving coupons & exclusive offersFor in-store purchases only ; card can not be used for online purchases. 
Subject to credit approval. 
Apply & use the card at these XXXX for the Ashley XXXX XXXX in store or online. Visit the nearest XXXX and a Sales Associate will happily guide you through the application process. 
Apply today for the new Ashley XXXX XXXX. 
It 's the fast and easy way to bring home the # XXXX Name in XXXX.
I submitted a complaint company replied saying they had never received a disputes however i have paperwork from XXXX XXXX and XXXX showing disputes with no success. Also the company listed five accounts on response but are reporting nine on my credit report. The written dispute i sent to themI received no response on either. Company is a Fraud and needs to remove all negative information its reporting of my credit report Immediately. I have No Contact not Signed Agreement. I also have printed complaints from other online who are victims of this company. There are laws to protect against such businesses and i will seek LegalAction against all parties who fail to hold them accountable.
I set up an online payment of {$1500.00} for my Synchrony Bank credit card for XXXX XXXX and it cleared my bank soon after. I confirmed with both my bank and Synchrony the funds had been released/received. I am now being told that the funds will not be available for three weeks while they make sure my payment is n't fraudulent (? ). I was told it was because it was large and had it been for the minimum amount, no problem. Am I being punished for paying my card down? I offered to contact my bank to confirm the funds were not " fraudulent '' and was met with no interest to confirm.
Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX XXXX and TransUnion consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.
California auto Finance is reporting inaccurate information on ny report putting that i owe more money than i do they recieved the car back and sold it and never adjusted the price
In XX/XX/XXXX I got behind in my payments, but was never put up for repossession. In fact I have had the car for 2 years making my payments and I was never up for repossession. I early XX/XX/XXXX I went online to make the payments to get back on track and discovered I no longer had an account. I contacted the company and they informed me that my account had been charged off on XX/XX/XXXX. No being a business guy I only assume they did this because the company had changed names and they wanted to get rid of " bad debt '' under the old company name. This is a nationwide company I am speaking of. The company is Bridgecrest formerly XXXX. I received no correspondence from them regarding the charge off. No a letter, email, or phone call. So here were the terms of what they offered me. I could pay the past due amount and then make monthly payments and keep the car till it was paid off. Yet, on my credit report it would show as an account closed and a charge off. Which in turn no shows up as a repo and a past due balance of almost {$7000.00} which is not the case! I have made every payment on the vehicle and still have it in my possession. They also refused to provide me with any paperwork about the new agreement. They have refused to budge on the credit report issue and stated that even when the car is paid off they will not change it and it will still be listed as a charge off.
XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with XXXX BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies in XXXX 1999 and have not removed it from my credit report. 
Equifax should have removed this from my credit report years ago.