WillisBack/dataset-financial-user-claim huggingface dataset:
My   XXXX   XXXX   XXXX   XXXX   account ( ending in  XXXX  ) was closed on       XXXX   XXXX  2017      due to late payments. I received a call from a Navy Federal Credit Union Representative at   XXXX  ext.  XXXX  . The representative informed my that although my account was closed, I had 60 days to bring the account back to current status in order for the company to entertain reopening my account. I had the representative confirm the 60days statement on multiple occasion all in which he confirmed. I spoke with the representative consistently under his assurance, I made payments of {$340.00} on  XX/XX/2017    ; {$880.00} on  XX/XX/2017    ; {$740.00} on  XX/XX/2017    and {$360.00} on  XX/XX/2017   . The frequency of my payments were possible from me borrowing money from others as I believed and was under the impression that the representative was telling me the truth about the 60days policy. I spoke with the representative on the date of my payment on  XX/XX/2017    ( this was the payment that brought my account in current status thus satisfying what I was informed by the representative ) to again confirm that the  60days  policy was true and that it was n't a  30days  policy to which he confirmed to the 60days policy yet again. I went ahead and walked a few miles to the closest Navy Federal site at the    XXXX   XXXX   XXXX    in  XXXX ,  XXXX . once the payment was made, I called the representative ecstatic because I was able to fulfill my end of the deal and satisfy the requirements to my knowledge. The representative ensured me that he will submit the request to have my account reopened. about a week later on     XXXX   XXXX  2017    ,  I called the representative again to check on the status and he told me that " Unfortunately the request was denied due to a policy change ''. Feeling disappointed, I asked him if he could explain the policy change and when it was made. He informed me that the policy change " was just made this week '' and that the account needed to be brought to current standing  30days  from account closure. I felt heartbroken and betrayed because I believed this was not the truth and that he knowingly manipulated me into making such payments. I asked how and why the policy change impacted my decision if I met/satisfied the policy in place when my request was submitted and he did not provide me with an answer. On     XXXX   XXXX  2017    I contacted the representative at ext.  XXXX  again hoping that it was all a dream but unfortunately he reiterated his previous statement citing the policy change. I asked to speak with his supervisor and he transferred me to Mr.  XXXX  at  XXXX  who also confirmed the policy change. The entire ordeal seemed surreal and falsified only for me to make the payments. I do believe that the representative at  XXXX  did in fact knowingly lie, manipulate and mislead me into making such payments and I believe that I was taken advantage of during my vulnerable s tat e.
World finance Corp is inaccurately reporting on my credit, this account is reflecting open which is impossible because the account is charged off as well as the date of last activity is reporting different on transunion and XXXX. The date of last activity is imperative to credit reporting because it directly affects how long an adverse account will be reported on your credit. I disputed this account and it came back as reported accurate. This creditor is in violation of federal and state laws and I will follow up my complaint with the Texas consumer credit commissioner and the Texas attorney General.
I am wanting to submit a arbitration claim against Equifax for FCRA and Maryland state deceptive trade practices violations. Their arbitration clause states as follows : " Binding Arbitration. Either You or Equifax may, without the other 's consent, elect mandatory, binding arbitration of any Claim ( as defined below ) raised by either You or Equifax against the other. As used in this arbitration provision, the term " Claim '' or " Claims '' means any claim, dispute, or controversy between You and Us regarding any aspect of Your relationship with Equifax , including but not limited to any Claim arising from these Terms of Use or arising from Your use of the Products or this Site or any information You receive from Us, whether based on contract, statute, common law, regulation, ordinance, tort, or any other legal or equitable theory regardless of what remedy is sought '' Their clause also states : ". The party filing a Claim in arbitration must select either the XXXX ( " XXXX '' ) or the XXXX XXXX XXXX ( " XXXX '' ) to administer the arbitration. " As I am sure you are aware, NAF does not perform consumer arbitration any longer due to an out-of-court settlement they have with the Minnesota Attorney General. XXXX refuses to administer any arbitration proceedings with Equifax due to Equifax 's arbitration agreement not meeting XXXX stringent consumer protocols. This is creating quite the Catch-22 for consumers. Equifax does not want consumer initiating class-action lawsuits against them, yet a consumer is unable to initiate an arbitration claim against Equifax due to the XXXX forums listed in their clause not accepting any cases with Equifax. What is a consumer to do? 

A consumer could initiate an action in federal court to compel Equifax to arbitrate, but until Equifax updates their clause to meet XXXX 's consumer protocols, the consumer is pretty much in limbo. I am requesting your agency look into this illegal clause as I feel it violates not only the Federal Arbitration Act ( FAA ), but also Maryland 's deceptive trade practoces act. Thank you.
I fell behind on payments on my Chase credit card. I contacted them and closed the account and made arrangements to pay off the balance. I paid off all but around {$1000.00} and I called to try and settle as I could not make the payment anymore. They told me no, I could n't settle. So I stopped payments. That was in XX/XX/XXXX. Ten years later, this is still on my credit report. The report says I was making payments through XX/XX/XXXX which is a complete lie. The last payment I made was in XX/XX/XXXX. It also says the last contact I had with them was in XX/XX/XXXX. Again, a lie. This should 've been removed from my credit report years ago. Furthermore, if I had been making payments for those 5 years between XX/XX/XXXX and XX/XX/XXXX, the balance would have been paid off! They are blatantly lying about my account history.
I spoke with XXXX from Equifax agent code XXXX, XXXX from Equifax agent code XXXX, XXXX from Equifax agent code XXXX apparently a dispute was done and I asked multiple times for them to send over their method of verification. XXXX explained to me that all disputes are ran through a automated system and they have no documents proving these accounts belong to me or was I late. XXXX from Equifax explained to me that they were not able to send the documents although the FCRA Section 611 requires credit bureaus to adhere by laws and provide any information obtained during the verification process.
Rushcard has refused to release my money from my direct deposit for over a week now. I spoke to numerous reps and none of them have a answer on when i will recieve my money. This has caused a hardship for me and my family. Its my money and they have no right doing this. Please help me for my pain and suffering by loosing mote money by not being able to get to work.
XXXX sent me a letter stating that I owe for a credit card the credit card has been closed for at least 5 years and now they are sending me letters the debt is for XXXX dollars maybe little less and all they asking is for my money If the card was closed with a {$0.00} balance how did it get to that amount and they call from various places different numbers And they claim a bill was paid from my own personal checking account when the card was closed how can someone take out money from my account and I would not know that dosnt even make sense They are not doing nothing but wanting money from me
I have tried to access my capital one account with a number of different online services such as XXXX savings, coinbase and others. All say that CapitalONe is blocking these services from withdrawing funds from my account.
I was contacted by a representative from my current lender. The representative offered a XXXX point reduction in APR refinance loan for a {$10.00} administrative fee. The representative advised that because I had refinanced less than a year ago, the home assessment would not be needed. After a month, I was contacted by the representative and advised that I would need to obtain a new home value assessment. Once the assessment was complete, the home inspection documents that were sent separately to me and confirmed that the value had not changed. I was later contacted by the lender who advised that I did not qualify for the no cost refinance because my home value had dropped by XXXX. The terms then jumped to over XXXX for the same refinance. After showing proof that my home value had not changed, the loan rep advised that loan depot had made an error and there was nothing he could do. After multiple communications, the rep stated that he did not understand what had happened however, I would qualify for XXXX options that would both cost over XXXX.
On XX/XX/2018, a door-to-door sales person came to my home with information about water filtration systems. I signed paperwork for the under sink and bathroom system which I cancelled on XX/XX/2018 as stated in the contract, it should have been removed from my home without any further issues/payments. Well, the dealer ( s ) can't be found and they're running this scam on other people. Eventually I found the dealer ( s ) and informed them that the system was to be removed from my home and I wasn't going to make any further payments. Then I received another bill for an additional {$9000.00} for what I thought was the same system. Upon further investigation, I learn that the owner ( s ) of XXXX XXXX and XXXX XXXX are working together scamming people. The first system was to be removed which is owned by XXXX XXXX ... I've scheduled a delivery with XXXX XXXX Police Department to supervise the removal. The system XXXX XXXX is claiming I completed a contract for is a total forgery. The system isn't even installed and the owner of XXXX XXXX called me today threatening me and said it would installed in XX/XX/2018. He's already spent the money that he got from the finance company and now he's trying to get me to go along with his scam. He's making payments on the account as well because he doesn't have the money that XXXX XXXX paid him for the system installation. So now, I have XXXX XXXX and XXXX XXXX XXXX me while the owners of XXXX XXXX and XXXX XXXX profit by committing fraud. XXXX XXXX and XXXX XXXX have done nothing to resolve these issues. XXXX XXXX is well aware of the fraud committed by XXXX XXXX XXXX ( XXXX # XXXX ). The owner of XXXXXXXX XXXXe is XXXX XXXX, Ph # XXXX ; POC for XXXX XXXX is XXXX XXXX ( Ph # XXXX ext XXXX ) ; POC for XXXX XXXX is XXXX XXXX ( Ph # XXXX ), XXXX XXXX ( sales person - Ph # XXXX ). In humble opinion, all the aforementioned individuals are complicit, knowing, and willing participants in this scam. At this point I don't trust anyone!!! XXXX XXXX XXXX had the nerve to tell me we had a gentleman 's agreement for him to pay for the system ... REALLY!!! At two individuals have outright committed forgery/fraud and should be punished to max extent of the law.
I am a single woman, I do not have any delinquent debt, I have excellent credit. I have received numerous calls from Midland Credit. I finally called them back today and learned they are trying to collect a debt for someone else. I have asked them to stop calling my cell phone and have blocked their number but I do want to make sure the calls stop so I am filing a complaint here too.
i took out a pay day loan in XX/XX/XXXX and could not pay it back with XXXX in XXXX sc in XX/XX/XXXX i get a call that from the XXXX and was told to talk to XXXX and he said i need to pay them or it would be a law sute in court i ask for proff to be sent to me in the us mail he said no we donot have to do that i then set up a payment plain to pay XXXX in XXXX payments i did the XXXX XXXX payment of XXXX and the last one was due in 2 weeks i could not do i get call from them on XX/XX/XXXX that my file was going to be sent over to sc for me to go to jail
I had a loan two notes behind. I have been sick for the last 2 months. I went and talked to a manager and was given forms to take to the doctor and my job. The company calls my cell number at least 20 times per day. On X/X/2018 a manager name XXXX came to my home after I had been at the office picking up XXXX papapers that Friday prior. They are constantly harassing me.
XXXX XXXX sent me to a third party collections agency when I already paid the debt in full. Not only that, but they failed to send me any letters regarding this OR to call me, even though both my cell and work numbers remained the same. To make matters worse, the original bill was nearly {$7000.00} and I busted my rear to pay all but {$280.00} of that, leaving this small amount to be paid on XXXX/XXXX/16, and they sent me to a third party collections agency for that AFTER I PAID THE BILL! I have requested someone in their billing department supervisory team to call me regarding this error, but I do not anticipate that they will do so, nor do I anticipate that they will learn a lesson until a formal complaint is lodged against them. This is at least the second time I have had a problem with XXXX XXXX 's billing department, and I can not imagine how many others have had similar problems but do not know where to turn to lodge a formal complaint that may change things for the better for all patients.
This is my XXXX complaint against Wells Fargo student loans as my XXXX complaint and their response was not sufficient. I am the cosigner and the main borrow is not paying the loan even though ordered in the divorce decree and I sent this paperwork to Wells Fargo. I asked Wells Fargo to send me a monthly bill since I am and have been the only XXXX paying it the entire life of the loan. They sent me their policy stating they are not allowed to send XXXX bills. So I asked to not send the main borrower XXXX just me so I am aware when it is due before it is late with a late fee which is the only time I 'm notified of the bill. So I do n't have a chance to pay it on time at all only aware once it is late and with a late fee. The XXXX late payments on the account in the last 6 months have dropped my credit score almost XXXX points. The rest of the loan in over 3 years never a late payment. I am asking that in goodwill these late payments be removed and this removed from my credit as it is evident I have been trying to be proactive in being notified of this bill to pay it timely, have paid it timely and the associated late fees, and be sent the bill from here on out so they will continue to be paid on time. I have spent countless hours in the last 6 months on the phone with numerous Wells Fargo employees with no resolve. Thank you
The caller threatened wage garnishment for a criminal complaint and said this was the final notice. I do have never had any criminal proceedings nor do I have a criminal record. The caller stated his name was XXXX XXXX from NAM Associates at XXXX. I was unable to find any information on this person and the NAM Associates I was able to find is in XXXX, NY and a forecasting agency with a phone number listed in XXXX.
We had a collection account for a credit card with Bank of America through XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency. XXXX offered us a {$4600.00} settlement of the debt approved by Bank of America of an original balance of {$6200.00}. We accepted the settlement with the agreement that the debt would show paid in full on our credit reports and no further obligation. We received a letter in writing from XXXX stating that the account will be considered settled and we will not be obligated to pay the remaining balance. Our credit reports were updated ; however, the balance now shows {$1600.00} instead of XXXX as agreed upon. My husband contacted XXXX yesterday, XXXX/XXXX/2016 to inquire about this. They advised that we would have to contact Bank of America. My husband then called Bank of America and inquired explaining the agreement that we have in writing. They informed him that the balance will remain unless we pay it for XXXX to 10 years on our credit reports. He explained the letter we have in writing that says it is settled with no further obligation. They continued to state that the balance would remain. My husband called back a 2nd time to speak with someone else and received the same answer. Based on this response it appears that we were misled and lied to by both XXXX & Bank of America per the agreement.
I CONTACTED XXXX  AND MADE A PAYMENT AGREEMENT ON XX/XX/XXXX. I SPOKE WITH A YOUNG LADY BY THE NAME OF XXXX AND SHE STATED THAT BY ME ENTERING INTO AN AGREEMENT THAT COLLECTION WOULD STOP AND THAT NO NEGATIVE INFO WOULD BE REPORTED TO THE CREDIT BUREAU. ON XX/XX/XXXX, THE DAY OF OF MY FIRST PAYMENT, I RECEIVED AN ALERT THAT NEGATIVE INFORMATION WAS ADDED AND IT WAS REPORTED THAT MY ACCOUNT WAS 30 DAYS PLUS LATE. I WAS TOLD THIS WOULD NOT HAPPEN AND IT DID.
My family is attempting to transfer our wireless telephone service from my mother 's name into my name in order to receive a discount through my employer. However, XXXX XXXX XXXX is requiring an astronomically high deposit of {$500.00} per line, totaling {$2000.00}, to perform this simple task. 

I have been referred by XXXX XXXX XXXX many times to contact Equifax, the bureau that they reportedly pull their credit reports from, to see what could be negatively affecting my credit, but they repeatedly tell me : " it looks like you have excellent credit ''. Despite the fact that I have excellent credit ( FICO score of approximately XXXX ), XXXX XXXX XXXX insists that my credit score is in their lowest credit class XXXX XXXX XXXX XXXX. This directly contradicts correspondence that I have received from XXXX XXXX XXXX by mail, stating that I have a score of XXXX of XXXX, and no key factors are affecting my credit adversely ( see the attached document ). 

I have attempted to resolve the issue with XXXX XXXX XXXX customer service directly on numerous occasions over the past week, and wasted hours upon hours of my time. I have been hung up on repeatedly after being placed on hold for times ranging from XXXX minutes to XXXX hour and XXXX minutes. No one I have spoken to seems to want to look into the issue, and I am repeatedly told " that 's what the system says '', when asked why I am being required to pay such an absurdly high deposit despite my excellent credit. I am growing vehemently frustrated with the poor quality of XXXX XXXX XXXX 's customer service and their apparent predatory deposit practices. I can not emphasize enough the anger I feel at the amount of time I have wasted trying to resolve this issue with XXXX XXXX XXXX directly. I feel as if I am being discriminated against, based on the fact that I am attempting to get a legitimate discount through my employer, despite the fact that my family has been a customer of XXXX XXXX XXXX 's for over 18 years. 

After asking COUNTLESS times, no one at XXXX XXXX XXXX or Equifax is able to provide me with a specific reason why these excessive restrictions are being placed on me. As I understand it, this in itself is a violation of the Adverse Action Notice section of the Equal Credit Opportunity Act. 

Taking this issue to a regulatory agency was not my first choice, but I have exhausted all other means of resolving the problem through XXXX XXXX XXXX and Equifax, and it is obvious they do not want to help me.
Navient called and informed me that they would initiate litigation unless I worked with them to bring my loan current within 4 days of XXXX XXXX 2015 ( referred to as 'today ' ). They asked if I could pay the loans totally XXXX in full today, and I responded I could not. They then asked if I could pay 85 % of the loans today and I responded I could not. They then asked if I could make a XXXX dollar payment today to bring the loans current and avoid litigation. I said I could not. I offered to make a payment at XXXX the normal amount today, as well as XXXX next month and so on until my loans are current in XXXX 2015. I 'm not sure how current or paid in full or else recommended for litigation in 4 days then turned into current 4 months from now and I 'm no longer in danger of litigation.
THIS COMPANY IS REPORTING THAT MY PAYMENTS ARE DELINQUENT BY A FEW MONTHS THIS INFORMATION IS NOT TRUE.
re : Previously claim # COMPLAINT ID XXXX Please advise JP Morgan Chase bank that, as of the end of the week, I will be filing a claim in small claims court in XXXX XXXX District Superior Court. for the maximum amount of {$10000.00}. Despite the fact my original claim to the XXXX was filed on XX/XX/19, Chase operated belligerently and without any pretense of good faith in allowing me to access documents and form a substantial argument against their spurious allegations, have refused to communicate with me in writing, or provide any verification of the alleged debt owed. Their time frame for a reasonable response has long since expired, and I am ready to adjudicate this matter in open court.

Sincerely, XX/XX/XXXX
I had a card with   XXXX   XXXX   XXXX  , well i fell on hard times and was  XXXX  i missed  XXXX  payments and they garnished my  XXXX  check for  XXXX  yaers i made payments of  XXXX  and then they took my tax refund from a tax offset of  XXXX . The card was a  XXXX . Limit. And listed on my credit bureaus was  XXXX  with late pays.. with making payments of  XXXX  a month for 2 years is not even close to oweing them over  XXXX . They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the  XXXX  payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take  XXXX  from tax refund.. how is that legal. I wrote them  XXXX  letters and  XXXX  emails. They refuse to make this write. Please help me.
well fargo sent me a notice that my escrow was off and that i owed an extra {$87.00}. said notice says there office hours are 6am-10pm. when i called them at XXXX XXXX i get a recording that says there office is closed. if they can't even get there office hours correct on official notices how can they be trusted to actually calculate my escrow correctly? 

they should have received a refund check from my home owners insurance policy in the amount of {$300.00} dollars that was sent to them by florida XXXX XXXX. Additionally my homeowners premium will actually be going down by over {$1000.00} dollars a year which means i actually have a surplus in my escrow account not a shortage. please stop crooked wells fargo from repeatedly sending notices with false and or misleading information as it cause undue stress on home owners '.