WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX vet living on XXXX since my XXXX and my wife and I decided to change from BMO Harris Bank to XXXX XXXX XXXX. I had a plan to migrate and my SSA XXXX check took two months to change from one institution to the new one so as I planned the second check transfer I expected the same time period. It only took XXXX 5 days to make the change. So my car insurance and my wife 's health Insurance payments bounced. I got them changed over to the new payment systems but BMO charged me {$35.00} a pop and then started charging me {$7.00} per day so now they say I owe them {$200.00} to close the account. I do n't have the money to close it until my next XXXX check at the end of the month. BMO says eventually they will close the account but who knows how much I will owe then. I am sorry this happened but I am not sure how to get out of this now.
We made an agreement for a new more affordable repayment in the amount of {$360.00} to which I have been paying, actually overpaying by sending them an even {$360.00}. Navient has thrown me in deliquent status claiming payment is $ XXXX and continues to tell me that our agreement was a 15 month program even though i have paperwork stating that i need to make 321 payments at this rate ... 321 monthly payments that somehow expire in 15 months. They have not been very cooperative and it is the definition of crony capitalism, they have all the protections of the government but none of the regulations that federal loans have. I just want to pay the amount of {$360.00} that we agreed on and for them to quit calling me and fix my credit they demolished by going back on our agreement but they dont see it that way. I simply can not afford the $ XXXX a month that they raised my monthly payment to and i shouldnt have to since im holding up my end of the deal. I have continued to pay them the {$360.00} amount we agreed on, plus an extra {$4.00} on top of that and im in or close to delinquency status because I refuse to give in and let them go back on our contract and bully me into paying more than I can afford when I have made every payment on time for the previously the agreed {$360.00} amount.
According to the site Equifax set up to check if your information was exposed my was. They then offer a link to provide free monitoring and protection. When you click on the link they give you a date on which you will be allowed to apply for the protection. The date they offered me was XXXX, unfortunately on that date I will be on vacation in the middle of XXXX XXXXXXXX XXXX and do n't really have easy access to a computer, I also do n't want to deal with this on my vacation. When I call their " support '' number all you get is a referral to help page, which does not let you get to someone to switch the date. I asked to speak to a supervisor and was told they did not have one at call center. I feel that at a very minimum they should offer multiple dates more than one or two weeks apart for signup. Ideally since this is probably just going to be an application for coverage and protection, the form should be accepted anytime. In fact years ago when XXXX XXXX in XXXX XXXX was hacked they AUTOMATICALLY enrolled all exposed customers with this same protection for a period of a couple of years. Please see what you can do to make the process for enrollment more flexible or even better yet automatic.
XXXX-I attempted to place a credit freeze on my XXXX  account, however they have a list of questions they ask and I did not get them all correct, the system denied me access. Some how I received a letter from them to start a security freeze or lift one. This form asks me for my PIN however I don't remember getting to this part of the process due to answering the question incorrectly which they ask such obscure questions I have no idea what they are talking about. I have had hundreds upon hundreds of creditors and do not have documentation or memory of every single account. It took extensive searching to find a contact number to speak to a representative. The representative asked me 3 security questions again which I know I got 100 % right but was denied help on my account. So I was able to get the correct mailing address and mailed my request to them so hopefully that will work??? How can these companies provide no customer service and not have their facts about me correct? their is no accountability for them, this is rediculous. 

XXXX-The online system lets me complete the input for the request but when I click submit the system says it is timed out, this is crazy as I will have it completed very quickly. You can not get any customer service help at all. This system is as messed up if not more than XXXX. I am going to have write a letter and request help here also. I can't believe the level of XXXX these credit bureaus are allowed to get away with. 

Experian- The online system lets me complete the input for the request and I get an email confirmation that my credit is unfroze but this is not true because I have had XXXX try to pull credit and it is always locked. You can not get any customer service help at all. I am going to have write a letter and request help here also/again. How can these companies be so horrible at their jobs and how come no one does anything about it?
I placed a freeze with the other two agencies on XX/XX/XXXX, but Experian 's website has been an unnecessary hassle preventing me from completing the freeze, at each attempt in this process, and again today ( XX/XX/XXXX ). 
In XX/XX/XXXX I requested my credit report, which Experian could not verify so it was mailed to me. Receiving my report number I logged in online and attempted to put a freeze on the account but was unable to. The website frequently 'times out ' requiring my information to be entered in again. When it does go through I receive a notice that it ca n't be processed online and that all my personal identity information, along with a check, has to be mailed in to them. Mailing all my information along with my checking account is an unacceptable security risk. 

Equifax should be invoiced for these credit freezes, not consumers. 

Experian has wasted hours of my time already, which is worth much more than the {$5.00} they insist on charging. This is especially true considering I did not authorize their collection of my information. If they are given such an important responsibility, they should be expected to have a website that functions to serve our needs appropriately.
I pulled my credit and found a XXXX account on it and that the company Convergent reported it to my credit. We had the service about 6 years ago and when we moved from XXXX to XXXX we sent the equipment back to XXXX in the box and label that THEY provided to us. I am now trying to buy a home and can not because this account is on my credit. I do not owe this money as we complied with the terms and equipment return process.
After disputing, Equifax removed a tax lien ( amount - {$570.00} ) from my credit report in XX/XX/XXXX. On Tuesday XX/XX/XXXX, I received an alert that the tax lien had been added back to my credit report. I immediately disputed online same day. I then called Equifax right after disputing online. After having to repeat information several times to the representative, I was told by that rep that tax liens are supposed to stay on reports 7-10 years after they 've been released. I repeated several times that Equifax had indeed removed it and it should not have been added back, especially since I did not receive the required 5 day notice. She could not explain to me why it was added back, just that the liens can remain for 7-10 years. She also told me that I had to contact whoever reported the lien. I then reminded her that is not required. I did not do this when I disputed before - I contact Equifax directly and Equifax removed it. She also thought that when I said " You '' meaning Equifax, that I was saying that she personally had deleted it. Again, I had to explain to her that I was referring to the Equifax, not her individually. Lastly, she stated that since I had already disputed online I had to allow the 30 days for the investigation. My final statement was that if the lien was not removed I would be contacting them back and I would be filing complaints.
I have been a chase customer for several years. I recently opened a new checking and savings account to take advantage of a {$500.00} promo. Additionally, I opened a joint savings and checking account with my fianc. Shortly after opening, I attempted to add a mailing address online for my new accounts that was different than my home address. This caused Chase to go completely crazy. My accounts were frozen and then closed ... and my money - more than {$150000.00} - was never returned. Several calls to Chase have gone unanswered.
My company ( XXXX XXXX  XXXX XXXX XXXX ) is a small private real estate lender. We have a borrower that had a fire on the property securing our loan. The insurance company issued two dual party checks ( {$91000.00} and {$2600.00} ) to XXXX XXXX   XXXX and the borrower and mailed them to the borrower. The borrower typed " XXXX XXXX  XXXX '' on the back of both checks and Chase Bank deposited the entire amount into his account. There was no endorsement guarantee or verification of the typed company name ( no signature on the back of the check, just the typed company name ). I have tried to resolve this with Chase, but they are unwilling to even look into the matter at all. They will not let me file a complaint because I don't have an account with them. Please help me.
I have received a letter in the mail stating that I owe {$1100.00} to XXXX. This letter came from a collection agency called Convergent Outsourcing Inc . I do not owe this debt never have. I am filing a complaint against this company because their are a fake and a scam.
I have a XXXX Loan with ACS Education Services. I have submitted XXXX deferment forms in the last 3 years. They say that they process the form XXXX5 days after receiving the form, but that has never been the case. My deferment forms have been neglected for weeks and only processed after I emailed them. This time, it has been 8 weeks, and they are not even responding to emails.
Wakefield & Associates is attempting to collect a debt after I provided them proof that the debt was paid to the original creditor, prior to receiving any information from Wakefield & Associates.
Advance America autodials my number and leaves a message each day. There are also several different numbers being used to autodial my number ( some from XXXX, XXXX, XXXX, XXXX, XXXX and some others ). I have had XXXX different collection companies call stating they represent Advance America and would be serving me on my job ( they left a message with the office assistant stating this information and our calls are recorded since it is a school ). However, once I contacted an attorney, the company blocked my number and then it was sold to another company. Now the new company calls from so many different numbers that it is getting to be at a level of harassment. I have over 60 calls from Advance America or a company representing Advance America and I have the screenshots and voicemails to prove the calls were autodialed. I asked them to only contact me through email or physical mail, but I receive calls daily and sometimes multiple calls in one day.
I was contacted by a credit collection agency on Friday XX/XX/XXXX by the name of XXXX XXXX XXXX XXXX XXXX, XXXX for a false claim that I had an old credit card debt of {$1300.00} from Citi Bank that had been supposedly charged off in XX/XX/XXXX. Not only did I never open such an account, they are asking about an incorrect former employer. This debt does n't even show up on my credit report. They are threatening to sue me if I do not immediately set up a payment plan with them over the phone with my ATM debit card. They called me at XXXX XXXX this morning Monday XX/XX/XXXX before business hours. I called them back during business hours to speak with them again on this issue and it went to voicemail. I 've never received anything about a legitimate debt in writing either. I tried to look up this XXXX/collections agency and the only thing that comes up in a XXXX XXXX XXXX. I am afraid this harassment is going to continue and I need it to stop and I especially do not want them to escalate this and try to harass me at work, but most importantly I believe that this company is a scam trying to get me to release my banking info over the phone. I hope you are able to help in this matter!
I received a letter from the " Enhanced Recovery Company '', claiming that I owe XXXX XXXX XXXX {$110.00} this past XXXX. I was unsure of the legitimacy of the company which is the reason I have avoided direct contact with them. However, I recently viewed that this debt is affecting my credit as an open collections I owe. 

I have paid off all of my remaining balance with XXXX XXXX XXXX for internet charges back in Florida. I have also made a new account with XXXX XXXX XXXX for TV and internet since last XXXX and have made all my payments on time. They have never XXXX informed me of an old existing account that I still owed money for. Nor have they ever denied me as a customer for still owing a debt. I honestly believe XXXX XXXX XXXX would have easily found this debt of mine, if it was legitimate, as my full name would be on XXXX accounts. This is the reason I am claiming this debt to be completely false.
XXXX XXXX XXXX is reporting a debt of {$130.00} owed. The original creditor of this bill should be XXXX XXXX. It would be a wireless phone bill. However I don't understand how it has gotten on my personal account, it was a business phone. The account was set up with a credit card. The account was paid on time every month, by automatic withdrawal with a credit card on file. Any arrears should not have happened, because the phone was transferred the day after the bill was due, so XXXX XXXX should have been paid. 
I travel a lot for several months at a time, so I don't always get a chance to correspond with letters sent, especially if I am out of state, which I usually am. I have never missed a payment and paid on time every month. 
I tried calling XXXX XXXX XXXX and XXXX XXXX last year to try and resolve this problem. XXXX XXXX Customer Service Reps, took me in circles and had me on long hold times only to tell me I had to call XXXX XXXX XXXX. XXXX XXXX XXXX, if I remember correctly ( no one came to the phone was always on hold for a very long time ).
I went through a divorce and fell behind on my mortgage with Chase. My home is also my business XXXX out of my home and have for XXXX years. They agreed to do a modification & started modification in XX/XX/XXXX in the event my ex-husband quit claimed off. He refused and I had to hire an attorney to force him to quit claim off since I was awarded the home in the divorce. Chase filled a NOD on XX/XX/XXXX all the while telling me everything would be fine once the quit claim was recorded. Quit claim was recorded XX/XX/XXXX I immediately sent them a copy & they asked for updated papers & sent those too. Time goes by I check in they say its in review. For months this went on. Review, Review, Review!! They filled a NOS XX/XX/XXXX and told it 's fine not to worry. This is dual Tracking in California. On XX/XX/XXXX they sent me documents telling me I do not qualify for a modification & my options are Short Sale or Reinstate & letter has to be sent by XX/XX/XXXX. Giving me no time to move my business.
On  XXXX / XXXX /  XXXX  , I submitted complaint #  XXXX , On  XXXX / XXXX /  XXXX   Bank of America gave the appearance of responding and closed the complaint ; however, Bank of America did n't take the complaint seriously and in Bank of America 's response to us they provided old copies of their Attorney 's    XXXX   XXXX   XXXX   XXXX     response to old complaints which never answered questions in previous complaints AND DEFINITLY DID N'T ANSWER THE QUESTIONS IN THIS COMPLAINT. When I called Bank of America and asked them why they did n't take OUR complaint seriously BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE INDICATED IT WAS USELESS FOR US TO SUBMIT COMPLAINTS TO THE CONSUMER FINANCIAL PROTECTION BUREAU BECAUSE THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN AND WE WERE WASTING OUR TIME. THE BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE ALSO INDICATED THAT MY  XXXX  MUST CAUSE ME TO BE SLOW TO UNDERSTAND THINGS BECAUSE I WAS N'T GETTING THAT THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN. THE BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE INDICATED BANK OF AMERICA WAS N'T GOING TO ANSWER ANY COMPLAINTS SUBMITTED THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU BECAUSE THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN. THEREFORE, ALTHOUGH I MAY BE SLOW I AM FILING MY COMPLAINT AGAIN BECAUSE BANK OF AMERICA NEVER GAVE ME A ANSWER BECAUSE AS BANK OF AMERICA INDICATED THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN AND THEY DIDNT HAVE TO ANSWER MY COMPLAINT. ALTHOUGH AS BANK OF AMERICA INDICATED THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN THEY ARE N'T SHUT DOWN YET AND SO THIS SLOW PERSON IS GOING TO REFILING OUR COMPLAINTS UNTIL I GET A RESPONSE TO MY COMPLAINT.       Bank of America has violated Bankruptcy  Law  and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer Bank of America developed a scheme and transferred loan to  XXXX   XXXX   XXXX  to cover up Bankruptcy Law violations.
I was told when I got the loan that it would be 75-80 dollars a month payments. The payments are actually almost {$300.00} a month. Every time I tell them I ca n't afford the payment they defer the loan. All the while the balance is still going up because interest is accruing.
There is a hard inquiry from CBNA, which is apparently a Citibank thing, except no one at Citibank seems to have any idea who they are, why they made a hard inquiry when I did not apply for a credit card, or how to fix it. It was made on XXXX XXXX, 2016 according to XXXX XXXX, and I have no other information, received no paper documentation. It counts as a derogatory remark on my credit rating. I 'm trying to buy a home and I heed this removed as soon as possible. I would NEVER get a Citibank card, they are a terrible institution. I 've seen a lot of complaints against this CBNA thing on forums online. Please help me fix this, and why is n't anyone going after these frauds?
XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 114 % Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$1700.00} Monthly Payment - Past Due Amount {$1900.00} Account has been closed/charged off since XX/XX/XXXX which is still reporting a balance along with reporting a delinquent payment history every month up until present day. The account was written off by XXXX who in turn sent me a tax form stating so back in XX/XX/XXXX/XX/XX/XXXX. Please stop allowing this account to continue to report negative payment for the last 4-5 years, I have no way of knowing who debt was even sold to therefore can not make payment even if possible please help!
I 've been using paypal via ebay since the XXXX 's I used to make my living that way now it 's just part time. Yesterday I made a small purchase no problem but today when I tired to make another small purchase I found that paypal has blocked my account forever. When I called them they only said " we do n't have to tell you why '' and 'we will never tell you why ''. I have NEVER had a problem with paying for my purchases so why the extreme discrimination? Why the attitude? How do they keep getting away with doing whatever they like with everyone 's money? How is it that the internet ca n't even come up with who regulates paypal in the usa? Please help me.
X/2016    ID theft occurred. Submitted required forms to all   XXXX   credit agencies via USPS.   Only   XXXX   applied the requested  CREDIT FREEZE.    XXXX    and Equifax refused to freeze my credit per OREGON  LAW.
I want to receive my mortgage taxes and interest refund for 100 % XXXX XXXX. XX/XX/XXXX I was declared a 100 % XXXX XXXX. I was notified in XX/XX/XXXX. I took my letter that stated my 100 % XXXX to my county Tax office who filed it which exempt me from paying taxes. They told me to send a copy of the letter to my mortgage company so they will stop collecting taxes out of my mortgage payment which will lower my payments. I kept calling the mortgage company asking them when they were going to reduce my payments. With each call I was told they would talk to their supervisor and get back with me. No one ever did. In XXXX I called and was told they would adjust my payments when they receive my tax bill in XX/XX/XXXX. I called them in XX/XX/XXXX about my payment adjustment and they said they had not received my tax bill. I was told by the Tax office my tax bill had gone out to the mortgage company and they had payed {$790.00} for taxes for XXXX thru XX/XX/XXXX which was before my XXXX rating of 100 %. I called XXXX XXXX back before XXXX XX/XX/XXXX and they told me taxes were paid and it was a good thing I brought it to their attention because I would not have gotten an adjustment on my mortgage. What he said upset me and I asked for my refund of taxes and interest which is over {$5800.00}. As of today, they are still deducting my mortgage payment of {$1200.00} which is incorrect, and we are in the month of XX/XX/XXXX. I called them today and was told they are still processing my payment and {$1200.00} will automatically be taken out of my account for XXXX. I told them to turn off the auto pay, and I want my tax and interest refund. I looked this company up and they have bad reviews and others have had the same problem I'm having.
XXXX   XXXX   dob   XX/XX/XXXX  SS #  XXXX   X/X/XXXX  Transunion,    XXXX   and  XXXX  will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over  XXXX  days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.       XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   - -   XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   - -   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Delete all my unauthorized inquires from my credit report
DCI credit in XXXX XXXX told me the hospital was charging me all the interest on my medical bills. NOT THEM. They said My payments went to " legal stuff '', " other accounts '', " interest ''. I have asked for statements and they just send confusing print outs. They wo n't send statements or letters. The website says you can see open and closed accounts - send email. This is NOT true. XX/XX/XXXX I owed XXXX. Made payment of XXXX. I then owed XXXX in XX/XX/XXXX. I was told my payment went toward interest and yes I now owe more.