WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
Navient has caused me emotional trauma consistently over the last six years by harassing me over the phone and attempting to withdraw large sums of money out of my bank account causing to me have to close the bank account and pay overdraft fees. 
I was put into a state of XXXX over phone calls by collectors demanding I find a way to pay them large sums of money, and have been dealing with multiple phone calls a day from Navient ( from different phone numbers so I ca n't block them or know who it is ). 
They have failed to this day to offer me a reasonable repayment plan for my student loans based on my income and I now owe {$30000.00} more than I did when I started because of interest.
My personal information was included as part of the Equifax security breach, made public on XXXX-XXXX-2017 ( www.equifaxsecurity2017.com ). Equifax has mishandled my personal information and the information of millions of other people. In response to this security breach I am placing a credit freeze via all three major bureaus, at a cost out of my own pocket. Equifax is merely offering fraud alert services to affected victims, which does nothing to stop fraud and merely alerts people that Equifax 's lack of proper information handling is now affecting them. Equifax should offer free credit freezing to all affected victims and reimburse any victims that have paid for credit freezes out of pocket.
I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XX/XX/2016, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. I signed up for the promotion because I was lured in with a bonus promotion that promised - AAdvantage miles would be credited to my AAdvantage account. I had confirmed via chat with a Citi Bank representative a few days after my application that the application will be processed, and that I qualified for the bonus offer of - Miles upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform - or more bill payments for 2 consecutive calendar months. 


After I met the promotion requirements, I contacted via phone and chat to Citibank to confirm this and to inquire when to expect the points to be posted. I was told that my request would be researched. Finally they informed me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not reject it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. In addition to that they have been charging $ XXXX/month as account maintenance fee on my account. 

It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since early - and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. Thanks.
I noticed late payment ( s ) on my credit report that we 're from XXXX XXXX ( XXXX XXXX ). 

I contacted XXXX XXXX and they sent me a letter stating that they would contact the credit bureaus and have the negative remarks removed within 90 days of the letter they sent me. 

They never had these late payments removed as promised. 

I have a copy of the letter that I will attach to simplify this complaint. 

My goal is to have these late payments removed from my reports as promised. 

I have attempted to contact XXXX XXXX again to have them correct this. They have not and stated there is nothing else they can do. 

I have sent certified letters to all XXXX credit bureaus containing the letter from XXXX XXXX specifically stating these late payments should be removed. They refuse to remove them. 

I spoke today with TransUnion and they told me that " Documentation from XXXX XXXX '' is not sufficient for them to remove these late payments. 

That is insane. There is nothing more official that could be presented.
Last year my student loans came into repayment. I got an income driven repayment plan which brought my payments down to {$250.00} per month. This year I did my recertification and due to the sale of a vacant lot which was a money pit for me, my adjusted gross income went up to XXXX. The money was used to pay down my credit cards. I do not have this money any more. Now my oldest son 's loans are going into repayment ( PARENT loans ) ( He graduated on XXXX XXXX, XXXX ) which brings my monthly payment to {$1000.00}. roughly. I pay {$1000.00} for rent, {$1000.00} on a personal loan, and with this payment amount for the student loan. Totaling {$3100.00} per month. My paycheck is {$1600.00} biweekly. totaling {$3300.00} Take the three payments and I 'm left with {$180.00} to pay gas, electric, cable/phone, credit cards, medical expenses ( I have a number of conditions XXXX ), bus fare, and food. I thought they are supposed to make this affordable. This will put me in ruin. I want to make the payments, but I ca n't and do n't have the money to pay this high amount. It 's impossible. I 'm the only one who is working in my home. My husband has not worked since XX/XX/XXXX due to an accident. I 'm it. I need assistance to get this lowered. I am not trying to get out of it. I just want it to be affordable and that it does not put me in a bigger whole. I still have credit cards even though I paid them off, I do n't make enough to pay the bills so I have had to use them again. This is putting an incredible amount of stress on me which affects my pain and my diabetic sugar levels. The first payment is due XXXX XXXX. I have rent to pay on the first and my personal loan on XX/XX/XXXX. How do they expect my family to survive. My servicer is FEDLOAN.ORG This is excessive. I do n't want to file for bankruptcy and wo n't. I do n't want to jeopardize the loans for my youngest son. I will pay but the repayment they are seeking is impossible. I tried looking for another job but they all want me to take a $ XXXX pay cut. I am an expert in my field but no one wants to pay what I am worth. Not even what I make now. My contact number is XXXX
Um hi my name is XXXX XXXX I was was wondering if I can dispute the negative items on my credit report like bank fees and cell phone bills.
Around XX/XX/XXXX or XX/XX/2016 I called Nationstar Mortgage and told them that I 've mailed via USPS Certified Mail a payment in the amount of {$6900.00} which was the total amount due to cure the default/delinquency. I even offered to give the USPS Certified Mail Tracking Number to the Nationstar Representative, but she told me that it was not necessary. The Representative told me she would enter this information ( payment being sent ) in the system. And that everything was good ; that the property is not in foreclosure. 

XXXX XXXX, 2016 I called Nationstar Mortgage to check on the status of my file. The Nationstar Representative tells me that Nationstar referred the file to Nationstar 's Foreclosure Attorney on XX/XX/XXXX ( one or two days after I spoke with them ) and that they were returning the {$6900.00} payment I made. The representative told me that now, in order to cure the default - I need to send Nationstar Mortgage {$8500.00} plus any Attorney Fees and other fees that Nationstar Mortgage had advanced. And that I had until XX/XX/XXXX to come up with the additional monies. 

Incidentally, the Nationstar Representative told me that she would request from Nationstar 's Foreclosure Attorney the amount of the attorney fees they charge ; which she added, could be anywhere from about {$200.00} to {$2000.00} or more depending on what the Foreclosure Attorney charges ; that she would know the exact amount next week. But one thing is for certain, I had until the end of the month ( XXXX XXXX, 2016 ) to come up with the additional monies. 

To re-iterate, during my phone call around XX/XX/XXXX or XX/XX/XXXX, Nationstar Mortgage lead me to believe that everything was going to be fine and that I had nothing to worry about. But on XX/XX/XXXX, I was shocked to learn that Nationstar Mortgage is foreclosing. I performed and paid in full the {$6900.00} what Nationstar Mortgage told me I owed to bring the loan current. It is clear that mistakes were made by employees at Nationstar Mortgage. And what Nationstar is doing in foreclosing my home and making me pay more costs is UNCONSCIONABLE.
I submitted a check for {$3.00} and it was denied, while my account had over {$500.00} in it. I called three bank branches and was given ran around and no explanation whatsoever why I was denied and charged {$2.00} and later another {$2.00} for the denied check. Representatives kept transferring me to the automated system, which was of no help to me. The last person XXXX, from the branch on XXXX XXXX XXXX was extremely rude and unhelpful.
Around XXXX 2014 I applied for a loan with XXXX XXXX XXXX XXXX ( XXXX ). Unbeknownst to me over the next few months ( XXXX ) continued to request copies of my credit reports from the XXXX major credit reporting agencies through XXXX/XXXX. Some of the request were days apart. Once I found out about the excessive credit inquiries I requested the credit reporting agencies to delete them. I also asked XXXX/XXXX to have them deleted with negative results.
On XX/XX/2018I made a purchase in Colorado while on a work trip for {$140.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. Part of the purchase included a product that was faulty, it did not charge correctly, so I took it back. I'm not sure of the exact amount of faulty product, as my email receipt from XXXX only has the total amount, but I believe it be {$90.00} - {$100.00}. The seller refused to refund, return, or exchange the product without a physical receipt even though I had a square receipt in my email inbox. 

I made a call to XXXX XXXX Visa Credit Card Services on XX/XX/2018 at XXXX to make a dispute. I relayed my story to XXXX regarding the seller refusing to return, refund, or exchange. The case was opened and a temporary reversal of the transaction was reversed. 

On XX/XX/2018 the transaction was re-reversed. I received a letter shortly after stating my claim was resolved, and that the charge would be placed back on my account. The reasoning as stated in the letter was that the charge was a valid charge. There was a copy of the receipt in the letter, which XXXX have may obtained from the seller or the seller 's bank. On my call to XXXX on XX/XX/XXXX, I never claimed the charge was not valid, but rather that the seller refused to return, exchange, or refund a faulty product. 

On XX/XX/XXXX, I made another call to XXXX asking to explain the reasoning of the letter and compare that to my original claim. I told them why I was confused, as the reason in the letter had little do with my original claim. The representative provided little information, but told me my case manager would call me with 48 business hours. I was not called back. 

On XX/XX/XXXX, I made another call to XXXX. I asked why I was not called back. I was not provided with a satisfactory response. The representative made inquiries with me why I believed their decision was incorrect. I had to explain the situation, and my original claim to them again. I was told I would hear something from a case manager within a week. 

On XX/XX/XXXX, I made another call to XXXX. I went through the same motions as before in the other calls. I had to explain my situation again, why I was requesting the dispute. The representative stated that I will receive a call from my case manager. 

I believe I have made myself extremely clear in this matter, and am frustrated that I have no recourse for how I am being treated.
For starters, I am locked out of seeing XXXX of my credit reports because the information they are asking me is so wrong and fraudulent that I am only left to think my identity, social security number and credit has been compromised. I do n't know what documents I could upload to prove anything, since I should have barley any credit as it is.
Getting Collection Calls from XXXX and never received a billing statement. Filed bankruptcy in XX/XX/2014 discharged Chapter XXXX, submitted income based repayment, never received confirmation after all paperwork submitted. Still unable to get proper documentation regarding the loans. XXXX University also still has a hold on the account.
ReceivedReceived letter from collection agency ( MCM ), XXXX XXXX, 2016 requesting payment of {$360.00} debit with XXXX. Responded to MCM via certified mail XXXX XXXX, 2016 requested itemized of charges related to debit, copy of any signed contract and proof they were licensed to collect debit in SC. ( I am disputing to total bill ). 

Received letter from MCM on XXXX XXXX, 2016 ; letter explained they reviewed notes on account and determined the debit to be valid. I responded, with certified letter to MCM again requesting itemized charges for billed amount, copy of any signed contract and explained I was disputing the total amount billed and did not believe this was my debit. I requested MCM to contact original creditor to obtain the information I requested. 

Received another letter from MCM stating the information they have is correct and they are uncertain what I am specifically disputing and asked for written explanation and documentation demonstrating any errors in their account information. 

I will be responding to this last letter via certified mail and state in simple language I am disputing the total amount billed, and a simple explanation I do not believe I owe the amount being billed. I will again request itemized charges for the amount billed and copy of any signed contract from the original creditor.
I financed a vehicle in XXXX XXXX from a company in XXXX County California called my car agent. It was a buy here/ pay here deal where I made my payments directly to the company due to my credit score. I had the car for over a year and made all my payments on time. I ended up losing my job in XXXX of XXXX and my unemployment benefits ran out later in the year so I was unable to pay my car payment and still without a job. By that time the company had changed their financing to a company called drive it financial services. So when I surrendered my vehicle it was a repo and the company started trying to collect. They never sent me anything regarding how much the car was sold for or the manner in which is was disposed. It was a XXXX Saturn with XXXX miles on it. I owed a little over XXXX on the car and when I started being harassed for collections I was told that I now owe about XXXX meaning the car was sold at about a thousand dollars. I received many harassing phone calls from people claiming to be lawyers who were rude and I requested documentation verifying how and when the vehicle was sold in order to ascertain how much I truly owe and the company refused. I do not feel comfortable moving forward and paying a balance if there is no proof that I truly owe this. What if this car has been sold for more money or financed to another individual and I do not owe this amount they are seeking? I need answers
I got a payday loan and my payments were current until XXXX when I separated from my husband. I have received numerous collection calls both on my personal cell and at my place of employment. My supervisor has told the company over and over that I am not allowed phone calls at work, yet they continue to harass me. I told them that I would pay them off as soon as my income taxes came in, however, they persist in calling my employer. Today, my boss specifically called me into her office when she called and I heard her tell the company that I was not to receive calls at work or else I would lose my job. The company manager replied, that she would continue to call because I had signed a paper saying she could call. My boss then told me if she calls again, I will be terminated. From everything I am reading, the finance company should cease harassing me at work. While I was on speakerphone with both my boss and the company, she disclosed personal payment information that was confidential as well.
I have paid to check my credit report and also verified or compared my credit report through XXXX XXXX. On both ends shows an account as opened when it should be showing closed. I have submitted several disputes with Equifax to correct this issue but the account still remains open after Equifax stated the account is now closed. The first attempt was in XXXX XXXX, XXXX to start and have them correct this. Later I find it still open so on XXXX I filed another dispute with Equifax to have closed. I spent {$39.00} for a Credit Report through Equifax. On XXXX, I addressed this issue again. Spent another {$39.00} for a Credit Report. As of today XXXX, XXXX XXXX still shows an Open account.
A card from American Express Serve Card closed my account that I was using for direct deposit of my paycheck was closed as of XX/XX/2019. Some one has my account information. I ve filed identity theft.
XX/XX/2017 I do not or ever did have a belk card. I have 0 credit cards.
During a recorded phone call on XXXX/XXXX/XXXX, a supervisor by the name of XXXX ( XXXX? ) in Dovenmuehle 's Loss Draft Department repeatedly stated that they follow " XXXX loss draft guidelines. '' In a subsequent call on the same day a representative named XXXX confirmed that XXXX 's statement is the same guidance that " they '' get. Presumably " they '' are the representatives in the loss draft department. 

However this can not be true. Per XXXX XXXX 's own website : " Consumers are sometimes mistakenly advised that because their government-insured or government-guaranteed loans XXXX serve as collateral for XXXX-guaranteed securities, XXXX XXXX determines servicing decisions regarding their loans. 

However, XXXX XXXX does not set standards for mortgages that are to be federally insured or guaranteed. Each agency that is providing the mortgage insurance or loan guarantee sets the standards for the mortgage originated and the approved lenders that participate in the XXXX XXXX program are responsible for ensuring those standards are met for consumers ' loans. These lenders have complete responsibility for servicing decisions. XXXX XXXX does not make any servicing decisions. XXXX Another supervisor by the name of XXXX the XXXX day confirmed that they in fact choose to follow XXXX guidelines XXXX not XXXX XXXX XXXX This was not the first time that I have spoken to someone in Dovenmuehle 's Loss Draft Department confused about what kind of loan I may or may not have and if they are following XXXX XXXX or XXXX rules. This is documented in a fax I sent to the Loss Draft Department on XXXX/XXXX/XXXX. 

Dovenmuehle 's business is mortgage servicing and therefore they should be able to provide more accurate information regarding mortgage servicing to consumers. This is an egregious misstatement of their own policy, but more importantly that of a wholly owned U.S. Government corporation. It is disingenuous and irresponsible for Dovenmuehle to pass off the responsibility of their own policies on another entity. It is also concerning that phone representatives and supervisors in a company dedicated to mortgage servicing are so mistaken about their own business, industry, and regulatory environment.
My father passed and I'm living in the house. I sent financials and request for mortgage assistance several times. The property has a property foreclosure sale date set for XXXX. Select Port Folio has been unwilling to help me with getting the mortgage straight, I don't want to lose the house to foreclosure. They have put force place Insurance coverage on the house when I had proof of coverage and a bill sent to the mortgage company to be paid.
Wells Fargo has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the Wells Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the Wells Fargo response ) I pulled a tri-credit bureau from XXXX yet again at a personal cost of {$30.00}. The negative attribute Wells had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the Wells response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from Wells Fargo . I thought I would give it a bit more time, and yesterday called the XXXX customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from Wells Fargo. 

At this point, unless XXXX is mistaken, it appears Wells Fargo is knowingly reporting false information on my credit report.
I contacted Pinnacle Credit Services many times regarding the XXXX accounts but they still report balance although they said they closed it .I sent them id theft report and other paperwork.