WillisBack/dataset-financial-user-claim huggingface dataset:
My husband passed away on XXXX XXXX, 2015. In XXXX of 2015, I contacted Navy Federal Credit Union to inform them of his death. He had a credit card with them. I asked what I should do about the account. They told me that since I was an Authorized User that I was responsible for the account and if I chose to keep the account open that I could. So, I chose to keep the account open. I have used the account for six months, and payed over {$20000.00} in balances. I have spoke to them on several occasions for the last six months when they froze the account, saying it was suspicious activity. I would call them, tell them yes that I made those charges and they would unfreeze the account. Never a word was mention to me about the account was going to be closed. I tried to use my card today and it was declined. When I got home from work, I called NFCU and asked them to unfreeze my account. It was at this time, I was told the account had been closed. I asked by whom, and they told me and I quote, " Well, there was someone else on this account ''. My reply was yes, my deceased husband. I was then informed because my husband had passed away, that because I was only an Authorized User, that I was not liable for this account. After being told that I was when I called and told them of my husband 's passing. They waited until I had paid the credit card down to almost nothing and with no notification or reasoning why, they closed the account. So, in other words, because I was only an Authorized User, they lied to me when I told them my husband had passed and told me I was liable, and after paying pretty much the entire balance off, they closed the account. My late husband and I have had this account for at least twenty three years. It was my only credit card. It was my emergency credit card. They should not be allowed to do this to people. They should have been upfront from the beginning and tell me, no I was n't liable for it. Instead they chose to lie and take over {$20000.00} XXXX that I could have desperately used somewhere else ) from a grieving widow. My husband served this country and I served this country, and this was completely wrong. Thank you in advance for any assistance that you can help me with this. They should n't be allowed to get away with this. i did what I thought I was supposed to do, but they lied and stole.
Wanted to set up appointment with XXXX XXXX XXXX. They did not disclose the fact that they were running a hard-pull on my credit report. They were of no assistance on setting up a solution to have them removed. Did not provide social security number to them.
In XX/XX/2018, I went to XXXX located at XXXX XXXX XXXX, XXXX XXXX tx XXXX and I made a money transfer from XXXX to XXXX thru Money gram. 
I sent $ XXXX to XXXX XXXX about XXXX XXXX ct. And I get my copy from the money send with receipt reference number : XXXX. 
The recipient call me same day about XXXX ct from XXXX XXXX to get the reference number to get the money, once the recipient was at the store ( XXXX XXXX XXXX , at XXXX XXXX XXXX ) to collect the money, the recipient was told from the person in charge that the money was already collect y, and the recipient went to a different store ( XXXX ) to try to collect the money and the store manager from XXXX told the recipient that the transfer was block and to come back another day. 
The recipient call me right away and explain me what just happened, so I told him that maybe was an error in the transaction but to comeback next day to collect the money. 
The recipient went back next day and the store manager from XXXX told him that the money wasalready collected, the recipient ask for a prove of the transactions but was denied y, so the recipient call money gram and money gram said that it was already collected but money gram can not give more information only to the sender, I called money gram and they ask me all kind of question and money gram said that it was already collected but they were going to investigated what happen, I asked them for the confirmation of payment or information of the person who suppose to collect the money and theysaid they didn't have it yet but they were going to investigate and call me back, it's already a month and I haven't heard from moneygram. 
Money gram representative over the phone gave me a case number : : XXXX
On XX/XX/XXXX. My car had to be towed by XXXX XXXX. It would not start. Tow truck driver was told to bring car to my mechanic in XXXX New Jersey. XXXX XXXX XXXX.. instead I was told I drove it to XXXX XXXX onXXXXXXXX XXXX XXXXXXXX. XXXX NJ. Because they are XXXX XXXX. Affiliated and they will give you 20 percent discount if work is done there.. I decided to try and see if it was good idea. I told The personnel at XXXX. Please call with quote before anything is done. Only to receive call hours later that car was ready and its {$480.00}. I said Im not paying that I did not approve work. He said Ill call u back with better price. He then said $ XXXX cause he shopped for lower parts and battery. Although unhappy. I went there to get my vehicle. And gave my card, I went to start my car. It would not start. All red lights came on. I said this will never pass inspection and Im not paying until they fix it. He said it wasnt doing any of this mess.. he said dont worry about card. I dont think it went through., Ill call you in a day. XX/XX/XXXX around XXXX XXXX I called and was told still working on it. At least 4 days went by. No words from shop. I noticed charge on my account from XXXX XXXX   for {$390.00}. I asked my bank. Wells Fargo to file dispute. And temporarily placed back my money in my account. After 5 days they call me and said for another {$1400.00}. They can do repairs that they found the car needed. I said its not worth it its a XXXX XXXX XXXX. With several dents had water damaged and conks out all the time. None of those prices guarantee me a great running car.. I said please find lowest price battery and would you know anyone interested in purchasing vehicle.. I checked blue book value. And for car condition. It came up to between 200 and 500 dollars. I asked XXXX XXXX to hold it and let me know if someone wish to purchase and I told them about the card going through. He said Ill give you XXXX for car. And you can deal with your bank and theyll fix that..
Capitol One used information from my father instead of me and declined me saying I was deceased. My FICO score is negatively impacted and I have an inquiry on account, but inexperience representatives keep asking me to reapply, or telling me to call XXXX after I explain that XXXX has fixed everything but inquiry.
I recently learned capital one credit cards do not release my spending information to 3rd party apps through plaid when requested. This started around XX/XX/XXXX. This is something that should be my right to do with as I please! I use the app drop to earn points from spending and they just notified me of this. Many others have reached out to capital one and you about this issue. Thank you
They make it very difficult to cancel their reporting service. 
1 ) There is no online option to cancel the account. ( Its easy to sign up for the account though ) 2 ) Had to wait for 3 hours on the phone to get someone. 

Its the worst experience I had canceling my account compared to any other organization.
Ally Financial has inquiries on all 3 of my credit reports that I did not authorize, I tried having this removed from my credit file with all 3 credit Bureaus and they state Ally Financial verified it, however I never authorized it. the dates are XXXX XXXX, 2016and XXXX XXXX, 2016.
I have disputed this item multiple times with Equifax and it comes back verified every single time. Agents over the phone have either completely ignored my questions regarding the dispute process or answered with incorrect information. This account does not belong to me and neither the creditors XXXX nor any other contact sees anything under my name, account number, account amount or dates that is even remotely similar to what is being reported. Every other credit bureau has had absolutely no issues in verifying that this account DOES NOT belong to me.
I have a credit card with Bank of America, which was closed in XXXX/XXXX/08 with settlement. But now it still shows are maximum delinquency of {$1200.00}. Please help to investigate and remove the delinquent amount.
I never took out loan with Portfolio Recovery dont know consumer. Bill collector hurting my credit score. Dont know consumer
XX/XX/XXXX, I submitted my tax documents from the year before, to my loan holder, MyFedLoans. In XX/XX/XXXX, I received a notice that I was no longer on the income-based repayment plan because I did not submit my tax documents. When I called to argue that I had submitted them, I was told that I submitted them with a different form, for the Public Service Loan Forgiveness program, so they were not used for updating my IBR plan and I would have to re-submit the same tax info again. It would also take 2-3 months to be processed during which time I could either pay the amount of more than six times my IBR plan or go on forbearance. Obviously I could not afford that, so I went on forbearance. XXXX months later, I was notified that my application had been denied because I had not marked that I was on forbearance. When I went to reapply, there was nowhere to mark that I was on forbearance so I called the loan provider who told me that I had incorrectly marked that I was applying to get onto an IBR plan, when in fact I was still on the IBR plan. Of course, I argued that I was not as I had been receiving bills for an amount that was well above my income and was told that that was because my plan had expired, but I was still on it. I reapplied again and the representative suggested that I not continue my forbearance but rather wait to make a payment until my application was approved because they do not report delinquent payments for 90 days. I suggested that did not make me comfortable and am still waiting to be reapproved and put back on the IBR plan, that I am apparently still on, even though my bills show otherwise. I should also add that every piece of documentation I receive from the lender states that I either was or was not approved on the following loans and then lists several pages of words, through which I must hunt to figure out what this piece of paper actually says. I have completed graduate school with the highest degree offered in my field and worked for several years as a paralegal and still struggle to understand communications and my role in this relationship. I try very hard to be on top of my finances and pay my bills but this is impossible!
I do not even have an account with Ally Financial, however the constantly called my cell phone looking for someone by a different name whom I do not know. After being told numerous times they have the wrong number they continued to call and harass me at all times of day. Even told me I was lying to them. Sometimes I would receive XXXX calls from them at the same time. I attempted to contact corporate offices and was told I would receive a call from someone in a couple days approx XXXX month later, I received a call from a blocked number being allied at XXXX in the morning which is illegal, stating they had no record of any calls made to me. Of course this is after I threatened to file a report. They refuse to provide any contact to the legal department and although I have cell phone records of all calls they have deleted all records on their side in a coverup attempt.
On XX/XX/XXXX, I wrote to XXXX  explaining that I am a victim of identity theft and the bankruptcy reporting on my credit file is not mine ; supplying evidence and documentation. However, XXXX responded that the information was verified as accurate through Lexis Nexis. I have had my information suppressed with lexisnexis however, XXXX  refuses to remove this fraudulent account from my credit file in accordance with Section XXXX B of the FCRA.
I 'm having a problem with AES, whom holds my student loans. The problems are the following ; 1. I have not received statements via mail nor email from the company. I 'm currently signed up to receive electronic statements and have not received them in my inbox nor spam. I 'm requesting the following delinquencies removed from the credit bureau report ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. <P/>2. There are 3 loans held by the lender, all with different due dates during the month. Three months ago I requested a due date change to the XXXX of the month for all three loans. The lender has yet tp respond to the request. The request was submitted twice via the online system and once with a representative. Each time they indicate it takes 15 days to process the request. They have intentionally made the due date varying days during the month to confuse me and collect additional late fees on the loan. <P/>For example, the month of XXXX reported an amount due of approx. {$600.00}. XX/XX/XXXX I paid {$200.00} to bring the amount due to Approx {$400.00}. Two days later is had increased the amount due back to {$600.00}. I paid another {$220.00}  on XX/XX/XXXX. XX/XX/XXXX the account was back up to {$600.00} due, I paid {$490.00}, followed by two payments of {$140.00} and {$34.00} on XX/XX/XXXX. In total, I paid {$1100.00}. My monthly payments total {$320.00}. The representative was unable to explain where my money went and why the payments were not reflective of the balance due. I have been unjustly charged late fees and additional payments. <P/>I request an audit of the lending practices with payment due date, payments applied to accounts. It appears my monies paid were not applied to the balance.
On XX/XX/XXXX I submitted a letter to Experian requesting an investigation into inaccurate information being reported on my credit report. In my letter to Experian I listed specific accounts and they are as follows : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX. I requested the original signed contracts of these creditors and if the information could not be given then these creditors should be removed from my credit report. 

In XX/XX/XXXX, I received a letter from Experian which stated a complete investigation was performed in XX/XX/XXXX and the information on my credit report is accurate. Experian wants me to send relevant information supporting my claim and if I didn't send relevant information they would not reinvestigate this information again.
Paypal Credit Card and Paypal Smart Connect ; I did not apply for the XXXX and was paying the Credit Card. Then I started receiving calls from a collection agency, I spoke to the woman, told her i could show her where I had just paid Paypal online payment, if she would give me an email address that I could forward to.I think the company 's name was XXXX XXXX out of XXXX, TN Area. This company continues to call me 3-4 times a week. I still charge online purchases through paypal and make payments online through them. But the collection agency continues to call and tell me I owe app XXXX. I have asked them to stop calling me and finally stopped answering when I would see their number. The number they were calling was XXXX. XXXX XXXX
Ocwen Loan Serving LLC reported my payment for XX/XX/XXXX late. I contacted Ocwen and told the my payment was sent thru XXXX XXXX in XX/XX/XXXX. Ocwen checked and my payment was sent in cash thru XXXX XXXX in XX/XX/XXXX. Ocwen corrected my credit report in XX/XX/XXXX but they did not correct their internal records.Their records show the payment received XX/XX/XXXX. I am trying to refinance my other house. When XXXX XXXX asked Ocwen for a payment report it said my payment was late. That is not true. This could stop me from refinance my house to pull out cash to help my daughter pay for College. She is XXXX at XXXX University. Also I had some debt that I was going to pay.
My wife and I refinanced our mortgage XX/XX/XXXX with HSBC. While at the closing we were informed this was a consolidation, modification? My wife and I were originally under the assumption this was a complete refinance of our mortgage and paying off our line of credit. We started to review our paper work and start to research what should have happened. We were overwhelmed trying to make sense of the laws and regulations for mortgages. We then started to speak with an individual XXXX XXXX XXXX XXXX we met through someone else and he helped to explain this very complicated process a mortgage and promisary note are " suppose '' to go through to be valid. XX/XX/XXXX we ( my wife and I ) decided to sit and speak further XXXX because we were concerned about the future of our mortgage. XXXX sat with us and began to explain what we could do to request the information from HSBC and the laws they ( HSBC ) needed to comply with. Shortly after meeting XXXX he started writing letters to request things to validate our mortgage. We continued to pay our mortgage and requesting information from the Mortgage Company HSBC. They were not compliant in providing the things we asked for. We are looking to file a complaint against HSBCXXXXMortgage Services Center for not complying with the " Fair Debt Collections Practices ( FDCPA ) '', " Real Estate Settlement Procedures Act '', " XXXX XXXX Act and violations of the XXXX Reform and Consumer Protection Act.
XXXX is an absolutely outrageous company to deal with. Their customer service is rude and their process is extremely slow. XXXX is the only agency that is reporting such inaccurate information. I've disrupted before and they ignored with an automatic response. I've sent a letter, they claim they didn't get the letters. I've sent a letter to there executives, they go in a put on the file that they are " reinvestigating '' when they never " investigated '' in the first place. 

My letter to them was to serve as a formal notice of my intent to file a complaint with the FTC, due to your disregard of the law. XXXX claimed to have somehow verified the items I requested. Therefore, I legally requested a description of the procedures used to verify the information. 

I was ignored.
Bank of America has charged me for work that was never performed ( see attachments ). The charges were added to my mortgage balance even though no work was performed,
I wrote to them for them not to call me during working hours or to my job. They dropped off a collection letter at my work and they keep on calling me repeatedly during my working hours.
COMPANY REFUSED TO INVESTIGATE AND REMOVE FRAUDULENT INFORMATION LISTED IN MY POLICE REPORT
I received a XXXX showing the cancellation of the balance with my creditor. I disputed the balance on my credit report because it was still showing the full balance when it should now show as zero. I received notification on XX/XX/2016 with a letter dated XX/XX/2016 that it was investigated and the balance was set to zero based on the info I provided. Then on XX/XX/2016, they changed the balance back to where it was before. No notification. I only found out because of a credit alert with another company. They also somehow changed my last name to a typo. Not sure where they got that information.
I am currently working through the process of getting my home out of foreclosure. I am working with a Housing Counselor that is helping me mediate a loan modification with my mortgage company, Flagstar Bank. I was instructed to begin dialogue with XXXX point of contact person at Flagstar Bank. A letter was sent to me XX/XX/XXXX, notifying me whom my contact person would be, XXXX XXXX. Since that time, over three months now, I have been unable to reach XXXX XXXX. I am often directed to an automated message or an associate who is unfamiliar with my loan circumstances. I have been given incorrect information from other agents, and even reprimanded for requesting to speak to XXXX singular point of contact.
Macy reports false data to my credit report on XXXX and it is reported twice as a duplicate.. below is the history of the report, my Macys account was included in bankruptcy and should not have been reported, also date of 1st reported late payments keeps changing to favor the grantor. 

this report should be deleted in accordance with FTC rules for fair credit reporting same account being reported twice is Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 N/A XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Viewed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired
I received a call from FBCS XXXX stating I owe a debt previously paid. I stated I would not be paying anything over the phone and require a mailed bill at the address I verified. They refused stating I have ignored previous statements. I have never received any statements. Gentleman started threatening and I hung up.
The loan opained has reported last payment and have been sent to another company which shows current but the old account still shows deliquescent and the account is no longer valid
Dear, Consumer Financial Protection Bureau I am writing to dispute the following information on a lien judgment. I recently discovered this while trying to refinance my house. The below debt was previously discharged by my bankruptcy. 
The case number was XXXX. Discharge date XX/XX/17. By order of the United States Bankruptcy Court : XXXX District of XXXX, by the honorable Judge : XXXX XXXX XXXX Dispute 1 Account Number or other information to identify account : Citibank Credit Card account number is XXXX. Mailing address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amount of claim was {$25000.00}. 

Debt sold by Citibank, to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX. Phone : XXXX. Acct. number XXXX This creditor XXXX XXXX XXXX is now pursuing me, reporting bad debt and refusing to release Lien judgment.

Debt was included in Bankruptcy that was Granted and Order Discharged by the United States Bankruptcy Court of XXXX XXXX on XX/XX/2017 Please review this and help me reach a favorable resolution. Your help is greatly appreciated. 

I have attached a copy of my bankruptcy papers with the account in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX ) XXXX XXXX ( See attached copies 14 pgs. ) Order Of Bankruptcy Chapter XXXX Discharge Lien Judgment Schedule F Creditors List ( Listing XXXX XXXX XXXX ) Trustee Ledger ( Listing XXXX XXXX XXXX ) Notice of Chapter XXXX Trustees Interim Final Report ( Listing XXXX XXXX XXXX ) Creditor Mailing Matrix ( Listing XXXX XXXX XXXX. )
My mortgage company changes my monthly payment without telling me! Although the principal and interest on my account does not change, the company also withholds escrow to pay insurance and property tax -- but they NEVER give me any warning when these amounts change. As a result, my loan amount ( which I pay by automatic deduction ) often goes into arrears. I then have to call the company -- but their customer service people always XXXX up getting the problem fixed. So I usually have to call them XXXX or 4 times to resolve the problem. And then several months later, the problem always returns. This has been going on for years now.