WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America would not remove me from XXXX, nor XXXX. I opened an account with Bank of America XX/XX/XXXX and my account was closed due to Bank of America suppected fraud on my behalf. However, I shared my story with Bank of America by certified mail, and I have not heard from them yet. I even wrote XXXX and they do not have any record of me. However, XXXX on the other hand say they do have a record of me. Moreover, I am consistently getting denied a bank account. I also have settled my debt with Bank of America. I paid {$190.00}.
I am a XXXX XXXX XXXX member and also have their XXXX XXXX credit card. XXXX advertises a product called the " XXXX XXXX '' which, after accruing enough points during a calendar year, allows for a travel to designate a XXXX who flies with them for free - it has significant monetary value. 

In early XX/XX/XXXX, I checked my account and noticed that I needed approximately XXXX additional points in order to requalify for the XXXX XXXX  in XXXX. I checked my XXXX credit card statement payment date with Chase ( the issuer of the XXXX XXXX card ) and saw that my next payment date was XX/XX/XXXX and that I would be being enough money such that it would translate into the additional points needed to qualify for the XXXX XXXX 

In XX/XX/XXXX, I checked my XXXX account and noticed that I did not qualify for the XXXX XXXX, so I called XXXX. I was told that although the credit card payment was made on XX/XX/XXXX, that my points " always post '' on the XXXX of the month and that it was my responsibility to understand this. 

My complaint is that this is an unfair and deceptive practice. From the customer 's vantage point, points are accrued when one flies ( i.e. the flight dates ) and when one pays their credit card - it is unreasonable to expect that the layperson would know that there is a material lag between payment and posting dates which, in this case ( and probably many others ), could result in failure to obtain a marketed benefit with material monetary value.
My issue is a credit reporting from the student loan company XXXX. They were not distributing my payments properly within their system to avoid me having a late payment on a group. I would pay more than the allotted amounts each month to them on their website and on automatic withdraw from my bank account over the past 4+years. This in turn caused my credit score to drop by XXXX points with equifax, XXXX, and XXXX. This is unfair and unethical to do to a client who is continually paying back on a loan. I work a lot and am very busy trying to make this money to always pay them back so I had no idea I was even reported or late until I had ran my credit report one day. All of my payments are current and up to date. XXXX should have been properly handling my payments to avoid this.
I recently received my credit report via a loaner, and realized the report includes unknown person 's name.
The interest rates charged by Barclay Bank Delaware on credit cards exceeds 19 % and is usurious. I requested that the interest be lowered so that I could pay the card off in 3 payments and was told that it could not be lowered. I am a senior. The balance on my card is {$12000.00}. and {$3200.00} respectively. I have asked numerous times for a reduction and have been told that nothing can be done. I have been told by my attorney just to stop making payments on the accounts because they will not work with me. They have told me that settlement on the accounts, even if they are paid in full would ruin my credit. I want the interest reduced to 8 - 9 % on each card. I do not want them reinstated - the bank cancelled them because I did not pay enough money on them despite the fact that I paid more than the minimum and have done so for years.
In XXXX, my husband and I purchased a XXXX Nissan Pathfinder ( VIN XXXX ). We stratified the loan. We received the title but we never paid attention that on the title it said it had XXXX lien holder. We are now trying to sell the vehicle. The loan company was Triad Financial Corporation. It no longer exist. Please investigate this matter so we can receive a clean title so we can sell the vehicle.
This is the second complainant regarding Beneficial Mortgage Company, ( HSBC ). The first complainant involved unpaid taxes for XXXX and XXXX. Property insurance fee of {$4100.00} Notice from XXXX County Treasury for back taxes exceeding 4,200.00. and additional fees to my account by XXXX XXXX XXXX totaling over {$6500.00} Complainant # 2 involves my conversation with HSBC on XXXX XXXX, about an increase in interest fees starting after XXXX/XXXX/XXXX. I was told by XXXX XXXX that my interest fee would increase to 3.0 after XXXX/XXXX/XXXX. In 7 years the fee would increase to 4.0 and after 8 years the interest rate would increase to 4.4 percent. The statement from HSBC states my interest rate of 2.0000 % would remain the same through XXXX. I am enclosing a copy of my monthly statement from HSBC. The statement verifies the interest rate of 2.0 percent until the year XXXX.
Optimum Outcomes has sent serverl invoices stating there is a outstanding balance of {$290.00}. I have reached out to this company asking for validation of this debt including a signed contract with their company, In turn I got a letter XX/XX/XXXX stating that this is all the validation they will give and that this is the last time that they will not send me any type of verification or validation. I still have not gotten a signed contract w/ this company or any identifying information that this is indeed my debt. No identifying character, DOB, SSN, account #, date of service, or a signed contract. I contacted the company on XX/XX/XXXX and spoke with XXXX. I asked for validaiton including a signed contract with this company. XXXX then stated that she does not have to prove anything to me and I need to pay this debt I then informed XXXX that I have been a victim of Idenity theft serveral times and I need validiation with a signed contract. XXXX then told me that I am a liar and that the debt needs to be paid or else and disconnected the call.
Equifax Confirmation Number - # XXXX As of XX/XX/2018 I have tried for the 1001th time to gain access to my Equifax credit reports, I have submitted my PROOF OF IDENTIFICATION on more than one occasion, I have submitted my id, social security card proof of address. I am MAKING a complaint because they are charging me {$29.00} a month and I can't access my EQUIFAX credit report with the confirmation numbers they have provided! Again, I have tried to access my credit reports ONLINE since XX/XX/2018.
I have disputed 3 times XXXX claim of XXXX in the amount of XXXX. It comes back VERIFIED, NO CHANGE. Yet i have talked to this Collection Agency several times as I have never belonged to a gym in my life. After finally talking to XXXX XXXX from the collection agency, he informed me he has my name and date of birth, however this Gym has been out of business several years. I responded that this was not my debt, and asked if he had a signed contract. I would imagine you would sign something if you are in a contract for owing money as they claim. He said, No they are no longer in business. However i was free to do what i needed to do as far as reporting them for false debt. I have went through great lengths and Transunion has not verified any debt, but yet reports it as such. This is by my knowledge not legal and is dragging my credit down causing great stress and denial of credit, even though my family has a lot of great active revolving credit lines including installment car loans on my record. Someone needs to be held accountable, and this false debt should have been removed 90 days ago. Obviously XXXX XXXX does not feel someone could possibly use another name and date of birth to obtain something, because they sure do n't have my signature or a contract agreeing to any sort of membership.
Transunion forced enrollment in a monthly subscription program, in order for me to receive my credit report.

On the home website, there are two buttons to see what's advertised as a " free credit report '' but in actuality, is a $ XXXX/month subscription. One button says : " My Credit Score & Report '', the other says " Yes, Show Me My Score ''. Both of these force you to enroll in a program that costs $ XXXX/month, and is not clearly advertised.

The free credit report allowed for all customers under the Fair and Accurate Credit Reporting Act is NOT provided easily for users to be seen on their home page.

To all other users getting a credit report, DO NOT ORDER FROM TRANSUNION DIRECTLY. Instead, go to XXXX XXXX XXXX. Per the FTC, this is the ONLY way to get free credit reports : https : //www.consumer.ftc.gov/articles/0155-free-credit-reports
I briefly had a cellular telephone account with XXXX XXXX XXXX back in XX/XX/XXXX. I was on a XXXX plan an was paying somewhere between {$50.00} and {$60.00} a month. Being that my plan was XXXX, I had the freedom to choose a different service at any time. I decided to switch from XXXX XXXX XXXX to a different cellular telephone service. In XX/XX/XXXX a collection account from Enhanced Recovery Corporation appears on my credit report. This debt collection company claims that I owe {$200.00} from old XXXX XXXX XXXX debt. Being that my cell service was XXXX, this is not possible. In addition to that, my bill was paid in full when I decided to switch to a different carrier. I have attempted to have this debt verified to no avail. I also disputed this debt to no avail. I am at a loss as to what I should do about this debt.
Equifax Equifax has in error XXXX XXXX the wrong amount of Loan as {$27000.00} which is wrong in in error by Equifax. 

My original loan was : XXXX not {$27000.00} as stated or showing on my credit report by Equifax. 

Equifax has in error to there reporting as stated on my credit report and information obtain or gathered as false and created by Equifax in error or obtain wrong by Equifax. 

XXXX XXXX did not supply delinquency information correct as stated by the letter I 'm providing as in XXXX : We did not supply delinquency information to credit reporting agencies. 
There XXXX XXXX is the originator of the loan and the owner of this account. 
And as stated XXXX XXXX did not have this loan as Equifax has for years XX/XX/XXXX,XX/XX/XXXX so Equifax reported for in error because the loan was transferred as stated by XXXX to this loan. The information Equifax has showing is in error and false by Equifax as stated by chase there was no loan in XX/XX/XXXX,XX/XX/XXXX as stated by Equifax Documents and loan amount provided by XXXX as proof. Loan was paid off.
Equifax exposed my personal information and left me vulnerable in to identity theft, by not adequately protecting confidential information such as my SSN, addresses, DOB, and ( potentially ) driver 's license number ( they have not even disclosed that ).
On top of this, when Equifax learned that my information, and the information of millions of Americans, had been compromised, they waited an entire month before letting us know. Only then were we able to take appropriate action to protect ourselves from this hack - Equifax deliberately kept information from consumers in order to make themselves look better.
Receiving automated/robocalls from XXXX onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Went to voicemail and automated call left a message saying they are Sequim Asset Solutions, LLC ( might be mispelled ) and they are trying to collect a debt. The first part of the message is cut-off so do not know who they are trying to contact so they could be trying to contact someone else since the number is somewhat new. I have never heard of the company and do not have any debts they could be calling to trying and collect on so it sounds like it could also be a scam to me.
Still in the hands of Bankrupcy protection agency. I also paid a company to fix this issue but nothing happened. Its a lawyers company located in California. I paid like {$4000.00}. 

Also, since my house was damaged by the storm this year last XXXX, I hired an inspector- XXXX XXXX XXXX base in Pennsylvania to get me insurance money to have my house repaired. They got me {$4500.00} to fix my house and pad XXXX  {$1500.00} for their service commission. Now the check was endorsed to Select Portfolio servicing in Utah- XXXX XXXX XXXX claim # XXXX and held the repair money until now which I said its for repairing my house. They dont want to release my insurance money. 

I would like you to please help me retain my house by giving me a modification 2 % interest which I was begging them to modify my mortgage. Also please help me get my insurance money to have my house fix. 


Begging for your intervention. 

Hoping for your kind assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX if no answer please leave me a message. Thanks
I sent my payment to MACY 's via online banking on XXXX XXXX. It was for payment in full. The payment was miss applied to another account, that not only was delinquent, was " charged off '' due to a bankruptcy! I 've asked it to be corrected. Macy 's admits they have my funds, YET they want me to FAX them a copy of my bank statement.
Prince Parker and Associates has been repeatedly calling me to collect a debt they allege is from XXXX XXXX XXXX. When pressed, they say they received the " file '' from XXXX XXXX XXXX in XXXX XXXX for a debt from XXXX! I am not an XXXX XXXX XXXX customer, but I was, and I was until later than XXXX. Any bill from XXXX should have come to my attention in XXXX, and at the very least I should have been informed when I discontinued service with XXXX XXXX XXXX, around XXXX or XXXX, I think. When asked why the first notice of this debt comes from a questionable collection agency 10 years post alleged debt -- they say " call XXXX XXXX XXXX. '' I therefore believe the debt is pure fiction, and that the collection efforts are a fraudulent attempt at nuisance money. Plus, XXXX XXXX XXXX should not be allowed to sell whatever spurious information they have that allows companies like Prince Parker to " defend '' their actions in pinning debt on people completely unconnected to the original debt.
My name is XXXX XXXX, DOB:XX/XX/XXXX, Last 4 SSN : XXXX. 

To whom this may concern, I went to check my credit report and I noticed that CARRINGTON MORTGAGE SERV has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current sinceXX/XX/XXXX We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current. 
It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current onXX/XX/XXXXmonth with a check mark and current. 
Thank you for your time and have a wonderful day.
Two transactions on XX/XX/XXXX and XX/XX/XXXX were transacted for XXXX dollars on my card and they were unauthorized. Upon notifying the card issuer they said they would be unable to file a claim on these fraudulent charges. As well they said they would be locking my account and refusing me access to the rest of my funds.
My first contact notice from GC Services ( XXXX XXXX ) of XXXX, Tn. was in XX/XX/XXXX of XX/XX/XXXX, and I responded with an explanation and a packet of information showing the debt had been dismissed in bankruptcy in XX/XX/XXXX ( Certified mail receipt XXXX XXXX XXXX XXXX XXXX ). The second notice was in XX/XX/XXXX of XX/XX/XXXX, and company ignored my formal request ( s ) for them to provide written proof that the debt HAD NOT been dismissed. I answered the second notice in XX/XX/XXXX( Certified return receipt : XXXX XXXX XXXX XXXX XXXX ), disputing the debt, and re-iterating that the debt had been dismissed. I once again asked them to provide documentation showing they had a valid, collectable debt. I never received a response to either of my requests. Twenty ( 20 ) months later ( XX/XX/XXXX ), I received another collection notice that implied I had been avoiding their collection attempts, and they threaten to take other action ( s ) against me. I responded again summarizing the previous Two ( 2 ) responses, and informing them I was disputing the debt, had not re-affirmed the debt, and informed them they were in violation of Federal Collection laws by not providing the requested documentation and continuing with collections. My response was sent Certified with return receipt XXXX XXXX XXXX XXXX XXXX. It was received by the collection agent on XX/XX/XXXX. The collection agent wrote yet another notice that same day, requesting payment, and once again ignoring the fact that the debt had been dismissed, and ignoring my requests for documentation.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Recorded voice demanding I contact them without stating what this is in regard to. If I do n't contact them immediately they will contact my HR dept. ( retired fo r 15 years ). They c all and their number displays from different area codes ( they are using ip based calling )
Ocwen Mortgage Servicing did a loan modification with me in XX/XX/XXXX with a clause that stated when I paid back the loan I would owe 25 % shared appreciation. It did not state that the shared appreciation would survive any future modifications. I completed another modification XX/XX/XXXX. When the paperwork arrived there was nothing in it about a shared appreciation. I specifically asked my relationship manager if the 25 % shared appreciation was still part of the new modification. She said " it is not listed in this paperwork so it is no longer in force, but if you aren't sure you can have an attorney look over this modification. '' ( Having an attorney look at the modification would not have helped as the paperwork did not mention the shared appreciation. ) When I asked regarding payoff last week I was told I need an appraisal because of the shared appreciation. When I told him what my relationship manger said, he said " you still owe it even if she gave you bad advice. '' ( They record all conversations so there will be a record of what my relationship manager told me as well as the agent I spoke to XX/XX/XXXX. )
My rental agency that I rented 3 different homes from over 7 years without a single problem was trying to have me pay for an upgrade of a house I rented for it ( the house had now been sold ). They refused to do inspections with me before I moved out of the house in XX/XX/2015 after I had requested for one several time. And they had not refunded my {$760.00} deposit till now. My problems with this agency started when I decided to purchase my own house and got another agency to assist me with the purchase ( I have my own home now and glad I did ). This is just a case of a mean and bad spirited agent trying to destroy the good credit score that took me years to work for. They should have filled a lawsuit if actually they had any case against me. I hope you guys will get to the root of these and reinstate my credit score to it 's original version. I owe this agency no money but they are still holding on to mine. It is injustice for this to be allowed by the credit reporting organizations. This is nothing but an exploitation by this rental agency.
The same company named XXXX done three hard inquiries on my credit which means after they denied me credit they went back on my credit 2 more time which I didnt authorize and equifax reported 2 hard inquiries on back to back days.
Td Bank would not allow me to access my banking information to transfer money received for sell of cryptocurrency.
XXXX XXXX XXXX, Agreed to remove and delete this account from all 3 credit Bureaus upon returning the vehicle. so far they have deleted from transunion, but wont delete it from the other 2 they provide different inaccurate information. In transunion they claimed I opened account on XX/XX/XXXX, On XXXX they claim XX/XX/XXXX. In XX/XX/XXXX they reported to XXXX the account was refinanced, before they reported that the car was reposed, also payment information is in incorrect. They previously reported I was late XXXX now they report XX/XX/XXXX.
Randomly I had a collections agency call me stating I had a balance with a gym that they were working on the behalf of. I asked for documentation from both the collection agency and the gym itself with nothing but figures pointed at the other party to retrieve that info. Neither party is helpful or trying to resolve this matter. 

*This membership came at a time where I was recovering from XXXX found in my XXXX and XXXX XXXX XXXX XXXX It had to be removed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I was def. not able to move let alone workout for months. So I know without a doubt this was bogus.
I have had a loan with XXXX XXXX XXXX for at least 10 years. No problems I sent in my mortgage on time all insurance and taxes were paid on time. They sold my loan to this new company Seterus. I NEVER received a welcome package. The only way I was advised my loan had been transfered was that my check for my mortgage was returned by XXXX XXXX XXXX with a letter with this company XXXX who is now my new lender. Well by the time my check was returned my mortgage was late. I called the number given me and a person reassured me that my loan " was n't in the computer yet '' and I would not be charged any penalties for being late. I have called them back Thursday to check what the status was. and now 2 months have gone by. I finally was able to send a check in and get an account number. Then they ask you to fill out a form on-line, so I did so. I tried to get back into the account after I was e-mailed an important message that I needed to check on the Seterus website. I logged in and it has me logged out. I called and luckily I punched the correct numbers ( the call center is just a bunch of recordings and if you punch XXXX it knocks you off the phone. ) I had been locked out of the account because I am not the account holder my deceseased husband is. Well my husband died 4 years ago, XXXX XXXX XXXX was informed of this and my mortgage was paid on time every month. I need some kind of help because they refuse to help me.
on XXXX/XXXX/2017 I advised them to stop call me at work the called me 6 more time starting at XXXX XXXX ; XXXX and XXXX and another call XXXX XXXX at XXXX
There is a medical collection account on my credit report from XXXX XXXX with an Original Balance of {$1500.00} and Current Balance of {$820.00}. This collections account was opened on XX/XX/XXXX. The Original Creditor is XXXX XXXX XXXX and the Date of Service was XX/XX/XXXX and the original balance with XXXX XXXX XXXX was in the amount of {$1600.00}. 

I made the following payments to XXXX XXXX XXXX {$64.00} on XX/XX/XXXX and {$15.00} on XX/XX/XXXX. 

I then made arrangements with XXXX XXXX XXXX and paid a settlement amount of {$750.00} on XX/XX/XXXX. XXXX XXXX XXXX accepted my settlement payment and cashed my check on XX/XX/XXXX. This XXXX XXXX collections account should be removed from credit as I no longer have a debit with XXXX XXXX XXXX ; however XXXX XXXX is showing my settlement as a regular payment and have been reporting negatively as collections account on my credit reports ever since.