WillisBack/dataset-financial-user-claim huggingface dataset:
I had a bestbuy credit card account with a {$300.00} line of credit. They wanted to charge me an annual fee of {$53.00} in XXXX. I sent them an e-mail requesting that they waive the fee since I was uncomfortable paying the fee. They refused. I spoke with them again and asked on their chat application. They said they could n't waive it so I asked them to close the account. They never said they would continue to charge me for the fee and now they 've hit me with a {$32.00} late fee. They also call XXXX a day harassing me. I want this resolved.
I received a letter from National Service Bureau stating they were sending a letter to the XXXX asking them to suspend my driver 's license due to an accident in 2014 in which I had no insurance. In reality, I never had an accident in 2014 or at any other time in my 40 year driving history. Further, National Service Bureau provided my driver 's license number and date of birth to the XXXX. When I contacted NSB, they would not release where they obtained my personal information. Now I have received a letter from the XXXX stating that my driver 's license is revoked!
MEDICAL DATA SYSTEMS has placed an unauthorized fraudulent item on my Consumer report. MDS has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit.
I am requesting an investigation into my mortgage & the lending practices with Wells Fargo Home Mortgage, in relation to XXXX and XXXX loans. My approval, for both loans were not based on my ability to repay. As a result of being approved for these loans, under these terms, my house was foreclosed in XXXX. Currently, I 'm awaiting the approval of a loan modification under HAMP, yet it appears to be some shady dealings that remain on behalf of Wells. I 've raised several issues/concerns that I have attached, but have been refused the accommodation/opportunity to ensure that my rights to a fair/accurate contract have been met. I have been threatened to submit endorsed documents that state ''I understand '' & imply that I 've waived certain rights, all the while explaining that my questions will be addressed 'after ' I submit the very documents that the questions/concerns/issues are related to. Of the obstructions that I 've had to face, the most notable, this year are : 1. the homestead scam. I have been the sole borrower in this loan while Wells has insisted that my husband of record, who is in XXXX ( on an unrelated matter ) sign documents that name him as a borrower. This is due to a bogus document that Wells slipped into my XXXX closing, which falsely states that funds from a letter of explanation for funds that appeared in my account from off & on out of court support, are ''my additional income ''. 2. Wells had its foreclosure attorney confirm the foreclosure sale to ''itself '' while I was in good standing during the trial period for this current modification. I had to take leave from work, where ''every XXXX counts '', to file a pro-se emergency motion to prevent the sheriff from putting my children & I out on the streets. There remains some outstanding concerns in relation to the principal balance ; current home value ; & the adjustments that have been modified, which have not changed this loan into an affordable loan. Please view the attached facts & help my family by compelling Wells to make the appropriate adjustments to this extremely bogus loan. Thanks in advance.
I have had the same Citibank Bronze card since earlier XX/XX/XXXX. In XX/XX/XXXX the card was compromised and needed to be replaced. I went to use my airline miles that I have been intentionally accumulating on this card, when I was informed there is no record of my miles from XX/XX/XXXX-XX/XX/XXXX from the original card. ( I booked a trip to XXXX XXXX during that time, which really racked up some miles! ) I called Citi Bank and they conferenced in the rep from XXXX XXXX ( their partner sponsoring the miles ). I was in tears! They assured me they would find my miles. Yesterday I got a letter from them that I had some how forfeited my previous miles when they replaced my card for me in XX/XX/XXXX! There was never ANY mention of that at ANY time. I went to book a trip next month with my miles, and half of them are gone. I feel completely robbed. Never did anyone mention this -- -I wouldn't have done that. Someone made a mistake and their and they need to right it. 
I appreciate your involvement in this scam. I did NOT change card programs, I simply had my card replaced.
Interest reported to IRS on form XXXX for 2014 is incorrect as it should be {$3100.00} not {$1600.00} ; or if it is not, then the cancellation of debt reported is incorrect and should be lowered by the difference {$1400.00}. Both can not be correct.
I have sent several disputes to the XXXX XXXX XXXX ranging from XXXX XXXX to XXXX XXXX to inform them they were reporting inaccurate information on my credit file. 

The account is reporting late from XXXX XXXX to XXXX XXXX ( inaccurate ) and the account is also reporting as open when in fact it has been closed for almost a year. 
Upon contacting the company multiple times to dispute the information they also send a letter back asking me to send more information for them to continue the investigation. 

According to the FCRA inaccurate information must be updated or deleted from credit files ; however, they are not complying and constantly sending back letters asking me to send copies of my credit report along with more information which I have done and upon doing so I get the same response over and over.
I contacted XXXX XXXX at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XX/XX/XXXX and XX/XX/XXXX payments and put my account current for XX/XX/XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XX/XX/XXXX and XX/XX/XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.
I have an auto loan with Tidewater Finance Company. My scheduled payment is {$490.00} a month. 

I pay {$150.00} weekly from my bank account using my bill pay feature. 

Payments are always sent on Monday ( unless a holiday ) and received on Friday. Tidewater used to post them on Saturday or Monday to my balance. 

This was until my last 3 payments which were not posted until I questioned it. This is allowing additional interest to accrue on the account as they dont go back and ost on the date received.

My last payment has not posted at all even though they received it a week ago and when contacted all they will tell me is my account is under review by management
I applied for a Wells Fargo Rewards credit card and was approved in XXXX 2016. When I received the card, I noticed it was not enrolled in the XXXX rewards promotion for which I specifically applied. I inquired via secure message on the Wells Fargo web site and via phone calls to both general customer service and the rewards department. The only coherent response I received was something about a 16-month limit but I read no such limitation when applying for the card.
I have an old debt that filed to attach bank account at XXXX banks in the last 2 months. Now they send a letter head calling themselves some other name. 
I have filed bankruptcy chapter XXXX. Following an accident in which I am XXXX for 20 years. 
It 's embarrassing when they keep sending attachment to different banks and also sent proof of bankrupty. 
How do I make them stop?? 
I call and they are rude and disrespectful. 
I do n't know what else to do.
I am reporting multiple incidents involving one of your employees. The most recent incident was X/XX/2017 around XXXX XXXX. XXXX XXXX is the person that has called me, my fianc, and my father numerous times, regarding a student loan. About a month ago, he was calling up to 6 or 7 times per day about balance of {$800.00} from XXXX XXXX College. I immediately contacted my father and we paid the debt from XXXX XXXX. Today, he called me again but this time he said it was regarding a {$50000.00} debt to the company he works for. I have always tried to offer any information I could and resolve the issue. I am paying my student debt in monthly payments so I had questions as to why I was receiving so many phone calls from XXXX XXXX and why he was so aggressive over the phone. When I asked for more information, XXXX XXXX said he " did n't know why the numbers were so high '' and that I could be imprisoned for not settling this debt right now. I continued to ask for more information since I was clearly taken back by this news. XXXX XXXX replied by telling me that if I did n't " resolve the issue '' before XXXX XXXX tonight with him that there would be consequences. I wanted to bring this issue to your attention since I 'm sure your company does not condone this kind of unprofessionalism. <P/>Thank you
I am writing to file a formal complaint against Portfolio Recovery Associates. I have notified this company with a cease and desist request however they still call me several times a day. I have also requested full debt validation and have not received acceptable proof that says I entered an agreement that requires me to pay PRA. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. Please dont send back a print out. Provide me with a contractual agreement. 
The following accounts are in question : Account # XXXX Account # : XXXX
My GM Financial account should not be showing any balance as my gap insurance covered this. I have a letter to prove this that has been uploaded. I am actually getting back a credit of {$1800.00} for my Vehicle Service Contract. There should be no balance reporting for GM. Please correct this on my credit report immediately.
On XXXX/XXXX/17 I spoke with several reps within the company in told me several different stories, I was desperate to get the report off my credit & ERC advised me in XXXX that I would have to pay to have it removed. I sent a letter requesting if I paid the debt I was n't admitting I owned the debt but that I wanted it removed quickly. When I called today I was advised the fraudulent charges would not be removed and that even if I made payment they would still report on my credit profile. I was then referred to the Office of Presidency and was told to request for my letter of deletion. I spoke with, XXXX XXXX - supervisor and Rep XXXX XXXX. When I called this department I was sent to a voicemail. I then called ERC back and spoke with XXXX washington - he advised me that the account was in fraud status and that they were not going to delete the account. When I asked him what the department of presidency did he placed me on hold without any notification and XXXX XXXX - supervisor said the account when into dispute in XXXX of 2017 and as of XXXX/XXXX/2017 the account was placed in fraud status and the department of presidency would be able to advise me when the account would be deleted. This company is reporting inaccurate information on my credit profile with out any real proof of me ever owing the debt.
Below I attached information sent, they do n't even have the correct information providing proof the debt is mine and accurate.
The is in relation to the recent Equifax security breach in XXXX  2017.
My complaint includes the following items : 1. Equifax improperly used my personal credit information that allowed data leak 2. When attempting to check for the impact using https : //www.equifaxsecurity2017.com website they appear to be giving random answers, for example, I submitted the same information twice and once got " not affected '' answer and the other one resulted in " might have been affected '' answer. Both inquiries have been placed on XXXX XXXX, 2017.
3. Equifax failed to notify me about the breach ( even though they have my up to date contact information ) and I had to find out from news sources.
XXXX XXXX XXXX is saying i owe {$3800.00} to XXXXXXXX XXXX XXXX XXXX. i was never informed about this debt and i believe it to be fraud. i have never been contacted by them or anyone about this debt. Im trying to get all my debt dealt with and gone. I was unemployed for over a year and i just got a job and im working really hard to get all of this dealt with so i can get a loan.
I had several investigation going on in the past with Equifax Credit Bureau. Recently in my communication with Equifax they discovered I had multiple credit report with them. When I spoke to the representative I ask her when they combine my reports will the deleted credit come back on my credit report and the representative stated no that will not happen. I received a notification from XXXX XXXX today and my reports were merge and the items that were deleted appeared on my new report. I call Equifax once again and I did not receive any resolution. Also I am a authorized user on some accounts and those credit card accounts are not showing up on the new report. This has been a frustrating situation dealing with Equifax. Why should the consumer have to deal with this unprofessional company. I worked as a XXXX for many years and have not had these unusual situations. With Equifax you have one representative telling you one thing and another telling you something totally different. I had XXXX collection account with AR resource that were deleted off of my credit report about 4 months ago and NOW the accounts are reporting back on their. Also XXXX XXXX XXXX XXXX account were deleted and back on the report one again. I spend a lot of time in the past faxing things over to Equifax showing them that some of the credit item were NOT mind and turn around and have to start all over once again. The government is paying a whole lot of money for Equifax representative to mess up my credit report.
I opened HSBC advance checking account to receive a {$400.00} bonus. I have asked HSBC three times, via my online account webpage messaging center, when the {$400.00} will be credited. I am getting answers such as, " 90 days after depositing funds '', " six to eight weeks after completing all requirements '', and " approximately eight weeks after completing all qualifying activities, which would be by XX/XX/XXXX. '' My understanding on opening the account is that I should receive it by XX/XX/XXXX, per the first answer " 90 days after depositing ''. Now it appears that it would be " approximately '' two months later. 

Please confirm when the {$400.00} bonus will be available.
I have called Navient several times to get on income based payments and they said that I did not qualify for income based and I could do a forbearance to assist during my hardship. I have been paying on my loan for 2 years and have n't paid hardly any on the principal of the loan. I need help to resolve this, I ca n't continue to make these payments.
We took out XXXX home equity loans ( XXXX and XXXX mortgages ) with the same bank, TD Bank approx., eight years ago. ( we have a XXXX mortgage ). At the time, we had no idea the effect it was to have on our lifestyle especially after plunging into finanical hardship in 2011 and beyond. We began to beg them to lower our mortgage interest rates so we could afford the payments which we were starting to pay late and they would not comply. They soon began to ruin our credit and it got worse as we tried to process a remodification on our own twice and once, with a local HUD not for profit. It just kept being rejected. Finally, it got so bad we could not longer pay and stopped making payments for almost a year while looking for an attorney to assist us. They started foreclosure proceedings against us and would not budge no matter how many times we tried for a remodification. We spoke with several attorney 's and even wasted time with a firm in CA who told us they could get them to settle. They ended up almost stealing our money whcih we had to fight to get back. This bank is known to be " difficult '' with this sort of thing as per more than one bankruptcy/mortage attorney that we spoke with over three years. They are not difficult. They are impossible to deal with. According to their " standards '' we do n't meet the debt to income ratio that they establish and according to these standards we can afford these payments. They are going to tell us that we can definetly put food on our table with over {$2700.00} a month in mortgage payments and almost another {$1000.00} per month in regular bills!!! They offered us only a recast which they consider a form of modification. It is only bringing us current. It is not modification and they know it. They get away with calling it one. We owe even more now, our payments increased and they passed legal fee 's on to us too, about {$3000.00} per loan. They call themselves a friendly bank. There is nothing friendly about them. It is exploitation of middle class people who were just trying to do the right thing and consolidate bills that came partly from large emergency home repairs. We are also now facing a loss of income as one earner is very likely being laid off this spring from a long time position. We are going to lose {$30000.00} in income. According to their " standards '' I am sure we are going to be told that we can still 'afford '' this. I was just told this two days ago by one of these representatives who handles these complaints. It 's an insult to our intelligence. We have to face losing our home or being forced to sell if we ca n't get these loans modified? Six years and counting of suffering and misery. If we have a real emergency we care going to lose our house because of these loans. Shame on TD Bank!!
I have proof that I have paid my bill on time every month and that it is the agreed apon amount I have a signed contract that bank of America has not processed since XXXX 2016 and I have a trail letter signed by bank of America telling how much to pay from XXXX thru XXXX XXXX every time I call they just tell me that the paperwork is still in process. it was supposed to be done within XXXX, its clearly more then XXXX. this is n't my computer I have all the paperwork but have no way to upload on the library computer
sent po report to equifax, XXXX, and XXXX XXXX XXXX, XXXX and XXXX XXXX id theft victim sent everything to the major credit bureau
I should not have the much to owe on this..it was a rent problem and there giving me all the money we owe on my background!
On XX/XX/XXXX, I disputed XXXX adverse accounts on my credit report. I listed in my dispute that I wanted to dispute the date of first delinquency. When I received the final resolution of my dispute, there was no change in information reported on my credit report with the exception of the date reported. When I called Equifax , I spoke to a XXXX XXXX that explained to me that there is no way to distinguish between the date of first delinquency or the date of last delinquency in the information that is sent over to the creditor. I was advised that the creditor has the option to choose which XXXX they will send. I then advised XXXX XXXX that my dispute was not handled properly because the date of first delinquency was not verified and this update in the date of reporting had negatively impacted my credit score. I wanted the information on my credit report to be accurate. These accounts had not been reporting since XXXX, but now since they updated Equifax , with the same information as before, the date of last report had changed to XX/XX/XXXX. So now, this account will not be deleted from my report for an additional 10 years from the new date of last reported ( based on the results of the dispute ). So I added XXXX additional years of reporting onto my report and the information that I added XXXX additional years of reporting onto my report and the information that I asked to be disputed had not been verified. This change in reporting date negatively impacted my credit score by XXXX points. I went from XXXX to XXXX. This may not seem like much to some, but it changes my status from poor to fair which is huge for a consumer. 
The dispute process was put into place to assist consumers with having accurate information on their credit report, if there was a risk to my score I should have been notified before hand and if I should have been made aware that there was no way to distinguish between date of first and date of last delinquency in my dispute so that I could have made an educated decision.
XXXX XXXX XXXX is reporting a XXXX account that is not mine. And they will not validate the account according to the FCRA rules
I have sent Experian a request to investigate some accounts in my credit report and they have not responded.
I have requested 3 times that XXXX and Equifax investigate inquiry 's on my reports. They refused to do it and say to contact the people who ran the credit. These are not my inquiry 's so when I call to ask the company 's they never send anything to me. I have tried to get it resolved with XXXX and Equifax with no results. So the credit agency 's are not removing these inquiry 's. These are XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX These are on Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
I attempted to deposit XXXX Euros on my verified account on Coinbase.com via XXXX deposit. On their site it explicitely states that XXXX deposits take from XXXX days. By the date im writing this 20 days have passed. I attempted to contact them without luck. 
It seems that i will have to talk to my bank and retrieve the funds somehow. 
Please make sure others are aware of the dangers. 
Regards.
This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance
i submitted a complaint and my Case number : XXXX. Today I received another letter from XXXX and this time the plaintiff is Equable Ascent Financial , LLC. 

I called the Law office again to verify what debt they are talking but the receptionist was saying I owe over {$10000.00} and she is not allowed to discuss over the phone than hung up on me. I have been harassed by the XXXX XXXX XXXX offices numerous times. 

I just want it to stop.
I financed a XXXX XXXX XXXX back in XX/XX/XXXX of XX/XX/XXXX, the car was running fine and I was making payments up until about XX/XX/XXXX of that same year and I was involved in a car accident which resulted in the car being a total loss per the insurance company after they took the car in for inspection. I was told the debt would be settled by my insurance company and the loan company XXXX XXXX XXXX is still asking me for a settlement or a balance to pay to remove all negative inquiries.