WillisBack/dataset-financial-user-claim huggingface dataset:
I received a very official looking sealed letter that said final attempt and when I opened it, I was informed that I might qualify for a very low interest rate and to contact the phone number provided. So I called them approx XXXX XXXX and talked to XXXX from Core Advisory who ask me a few questions and then told me he would get back to me within 24 hours to see if I qualify. The next day he called to inform me that I qualified and that they have 100 % success rate against XXXX. That they would be able to get me into a 40 year 2 % and help me get my divorced wife off of the note. They would take either XXXX payment of {$4000.00} or XXXX payments broken up into {$2800.00} + {$1900.00}. I checked out their website and listened to many of the testimonials on that site, and was sold on their services. I agreed to have a notary come to my house on XXXX XXXX to sign paperwork explaining that they would get started right away and that it would be faster and cheaper to pay the full {$4000.00} up front. Plus a {$160.00} notary signing fee. I was told that they could stop my pending foreclosure on XXXX XXXX, within XXXX to XXXX weeks after I sign the contract. I received a call and email was ask for my XXXX account number a week later by phone, I was told by XXXX that she should be getting paperwork back from XXXX within a week. While XXXX weeks went by I found out that there is all kinds of free help online and that Core Advisory is not licensed XXXX, along with all kinds of complaints and even a judgement XXXX. Then I researched even more and found out that it is illegal to take fee to restructure or modify a loan. This prompted me to request a refund and after several requests they finally understood I did not want to be sold on using their services any longer. Then they sent me paperwork for supposedly requesting my money back but it listed a company whos registration had expired. This prompted me to file this complaint, as I can see by the wording of the document and the complaints I have read about Core Advisory group services. They are not a legitimate company and do not have the proper credentials to help me with my situation.
I want to freeze my credit with all agencies, after the Equifax leak. I am unable to get the webpages to load for any of the credit reporting agencies, and the phone numbers are also keeping me on hold for far too long. 

I do not believe I should have to pay or spend hours of my time to protect my identity when the company that was supposed to do that failed at one of their core responsibilities.
On XX/XX/2018, I contacted CXXXX XXXX, representing XXXX Florida Credit Card servicing, because I have been receiving emails about an account I never opened. An option for " No longer receive these emails '' or " This is the wrong email '' was nowhere in the email. I was concerned that either ( A ) my identity had been stolen, ( B ) this was a phishing scheme, or ( C ) a person with my name had accidentally typed in the wrong email address. 

After being transferred, I spoke to a person who said they could help. The first thing they asked for was my social security number. They then gave me the option of giving them the email. 

After I gave them the email and they flagged it, I let them know that asking for my social security number was something no bank would do, and that their system had a problem. They insisted their system was fine. I explained that if their system was fine, emails would have a confirmation process, then I'd never have received these emails in the first place. 

The person said I knew it was a bank, so I should be comfortable giving them my SSN. I explained that I had no idea it was a bank, it was simply a phone number in what could be a SPAM email. I'd never heard of the bank, and every piece of correspondence had a different physical address and company name. 

The phone number I called was XXXX. I had to sit on hold for about five minutes and deal with two customer service representatives because someone typed in the wrong email. The entire interaction left me frustrated and suspicious, and I would like someone to examine their operation.
Wells Fargo owes me approximately {$XXXX}. It is not my fault that they hire inept employees who don't advise tcustomers what type of account they are opening. 

As I I stated in my XXXX complaint, since I wasn't advised I had a special account, I was almost evicted, had to pay court fees, had to get payday loans because XXXX refused to give me access to MY money, so I am out approximately {$XXXX}! 

What the XXXX does XXXX think {$220.00} is going to do? I want what is owed me. The {$200.00} is what was promised me if I open the account. 

Wells Fargo needs to pay me at least half of the money that I am out due to their asinine rules. 

If not, can I take XXXX to XXXX XXXX?
On XX/XX/2018 a charge of {$63.00} was made for XXXX XXXX XXXX. I do not own an XXXX. I attempted to contact XXXX XXXX  customer service today XX/XX/18 and was told by the automatic answering machine that the number was no longer in service. I tried several other means of contact via XXXX, corporate and my local store. It was hours later before I found out myself that the number was working again. I then waited 20 minutes to speak to someone, be transferred to the fraud dept. and be told there's nothing they could do. Apparently, I need to contact the merchant and XXXX refused to do anything at all about it. I was under the impression that XXXX alone had a policy regarding me not being responsible for fraud charges under certain circumstances ( which I qualify for ). I told her I couldn't find a real contact number for XXXX so she gave me one she was certain would work. It didn't. It connected me to someplace advertising addiction and upon recalling it and double checking the number, it told me the number didn't work in my area. So I am at the mercy of a company that is impossible to get a hold of and my credit card company who is difficult to contact. No one has hours a day to dispute a single transaction. I feel that XXXX isn't holding up their end of the XXXX guarantee, assuming they have to, and is also intentionally being uncooperative. I want the charge removed.
On XX/XX/2018 I used Chase quickpay to send {$200.00} to a seller who promised theatre tickets in exchange for my payment. The seller was fraudulent and I contacted Chase immediately to reverse the charges. The payment was showing as pending in my cheating account and according to Chase quickpay FAQs pending charges could be reversed. Upon calling Chase they said the transaction was already completed by the receiver and could not be reversed. They said it was showing as pending since it can take a business day for these transactions to update. After complaining about how misleading their online information was they just apologized and said nothing could be done. I asked to speak to a higher authority. Chase transferred me to a sr. Specialist who reiterated the same policy. I told them about the fraudulent seller and how the Online information for Chase quickpay included rhetoric that said If you suspect fraudulent activity and would like to reverse a payment, please contact customer support. They said since I initiated the payment they could not help me. I find this to be extremely misleading by giving customers a false sense of security.
this company called XXXX XXXX keeps call numerous times a day for a person i do not have contact with. i have told they numerous times to please stop calling even tried to get a supervisor to remove my number but they still call non stop i had my phone disconected for 2 week because of the endless harassment and as soon as i turned the phone back on they called within 5 minutes. i am considering legal action if this does not work.
Everyone 's familiar with those Capital One credit card ads on TV where they say " use our card and get frequent flyer miles on the airlines ''. They use movie stars like XXXX, XXXX, XXXX. Turns out those TV ads are a complete misleading lie. Capitol One has their own private definition of what constitutes frequent flyer miles, vs what we, the general public thinks. I had XXXX miles with them. Think you can fly to the other side of the world with them and back -- -- first class no less? Wrong!! Turns out what they 're really doing is giving you {$.00} credit for every XXXX mules you 've earned. Then you have to go through their website to list on an airline. It was still going to cost me some {$1200.00} plus. I instead went on XXXX and bought the ticket for {$900.00}. I want to sue them for false and misleading advertising.
Complaint : XXXX mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX  XXXX XXXX sold our mortgage to XXXX in XX/XX/XXXX. They did not report any payments until XX/XX/XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, XXXX hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. XXXX has reported these months, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XX/XX/XXXX when XXXX  XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when XXXX took over as my mortgage company in XX/XX/XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but XXXX has insisted that I get a contractor out to do the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.
XXXX XXXX sent my closed account to collections for {$15.00} after XXXX-18. I never received notice of an amount owed after my account closed until I received a letter from XXXX XXXX XXXX in the amount of {$15.00} on XXXX-18.
I have wrote a certified to the furnisher EXETER ... .I have filed a CFPB complaint and on each occasion EXETER has fail to provide a sign application for credit thats sign by me giving consent to a credit inquiry. 

There should be no issues with providing such documentation if this inquiry is absolutely factual as the credit bureaus and EXETER persist.
I had a medical debt that should have been paid by medicaid but it wasn't. Now i have not one but 2 duplicate collections on my credit report from different companies for a debt that i never should've had to pay to begin with.
Student Connections robocalls me every day trying to collect on a student loan. I do not have a student loan now, or have ever had or applied for one
I purchased a home from XXXX in 2006, and Universal American Mortgage XXXX handled the mortgage. I recently became aware that the second mortgage principle balance was not being reduced much, and that the mortgage was structured as a " balloon ''. The second mortgage is a 15 year loan, so I thought that after 9 years worth of payments ( 60 % thru the loan period ) that my outstanding balance would be approximately 40 % of the original loan amount XXXX {$72000.00} XXXX. Unfortunately, my balance is $ XXXX XXXX 93 % of original loan amount ). We were able to refinance the primary mortgage under HARP after the loan was foreclosure-bound due to the annual rate escalations. 

My wife and I feel we have been taken advantage of ( robbed XXXX by Universal. I did n't realize that 14 years of payments would total $ XXXX ; only to still owe an additional $ XXXX XXXX $ XXXX total ) on a loan amount of {$72000.00}. Is this fraud?
I was told the other day during a credit inquiry about a negative report from XXXX that I think is incorrect. I went directly to XXXX, but of course they want to charge me money. Instead I used XXXX and submitted my info. I selected that I wanted all three reports, but once I hit enter- I was automatically sent only to Equifax where I filed my dispute. When I tried to return to access the XXXX site, I had to completely start over with filling in my info at XXXX. THis time I specified that I only wanted to go to XXXX but once I reached the site and filled in my info AGAIN, they were having 'technical difficulties ' an were unable to process my request. Okay- so I went back to XXXX and this time I filled in my husband 's info so I could go back to Equifax and dispute the exact same incorrect info on his report. I selected only Equifax for a report, but once I got there, they said they were unable to fulfill the request and that he would have to download a form and mail in the request. I know they are trying to make it difficult so we 'll pay to get the exact same information that they are required to provide FOR FREE. 
Another way I know they are trying to make it difficult : When I did manage to file the ONE dispute with Equifax , they provided XXXX characters for comments about the dispute. First off XXXX characters is way too few and they DID N'T ALLOW SPACES! When I tried to hit submit I had an error message that said 'only use allowable characters XXXX,? -. ' I edited my comment to ensure I only used those characters ; SAME ERROR MESSAGE three times. I finally tried removing all spaces from the comment, but I ca n't imagine lots of people would be so determined. They WANT US TO FAIL! In no way did the error message advise me not to use the space bar when typing my comment, but it tripped an error anyway. Only when I removed all spaces would the disputed claim be allowed. 
It 's not about the money- I could go through the trouble of signing up and then cancelling a subscription service, but it 's the ABUSE of POWER that burns me up!!
i am paying my home mortgage through my bank account every month on time some how my escrow amount went up {$88.00} a month in XX/XX/XXXX. which i was not aware. for month of XX/XX/XXXXand XX/XX/XXXX i still made a payment on time which newer been apply to my account neither returned to me and my mortgage company charge me two month late fee and also reported to credit beuro for two month late payment which harming me in my business. i called the mortgage company and also e mailed the matter and they are saying that they cant do any thing in it and they have no answer why they were holding my money for two months. if you can please look into the matter and please help me to fix my credit thanks a lot
Ive been trying to contact Santander about unauthorized activity on my debit card but I cant get through. Im XXXX XXXX so I have to go through special means to contact people. Anyway, because I couldnt get through to file a dispute Ill do it here. 

I discovered my debit card missing today and I see some unauthorized transactions on the account. They are ... 

XXXX for {$17.00} on XX/XX/2018 Cash Withdrawal for {$800.00} on XX/XX/2018 Cash Withdrawal for {$180.00} on XX/XX/2018 There are also a couple of ATM fees. 

Please open a dispute for me and send me a new card.
In XXXX of 2010 I realized I would need to let my home go ( located at : XXXX XXXX XXXX XXXX ; XXXX, WA XXXX ) At that time I began seeking advice on what to do. I was told to protect myself I should file bankruptsy which I began the paperwork for and filed in XXXX 2010. I notified everyone concerned that I was doing so and completely emptied the house by the end of XXXX, again notifying them they could take immediate possession of the home, please note that I worked very hard to leave the home in good shape where someone could move in immediately with the exception that the furnace had gone out and was unable to be repaired and needed replaced. For about a year they sent me notices of past due and I would call and tell them the house was vacant I had filed bankruptsy and they would say they would take care of it. Then it stopped for a while and I began getting notices from the Carrington Mortgage Services that they were insuring the house under my name and it appeared the cost was also being somehow listed under me? Again I called them after many attempts finally got a live person who said they would take care of it. They began sending me requests for my tax ID ( SS number ) so they could issue me a document that appeared to be the amount they were losing on the house, again I told them I had filed bankruptsy. I recently received yet another communication stating they would report me to the IRS if I did not supply that information. I sent them a letter back along with my bankruptsy discharge and papers showing the home was included. It took a month to get back the receipt and it came with a letter now stating that I owe {$7600.00} for delinquent payments between my first notification I was vacating the home in XXXX 2010 and when I had formally filed the bankruptsy documents with the court in XXXX ... at least I think that is what it is. The attorney that handled my case assured me that I had done everything I needed to do to protect myself. I am feeling very much like I am being harassed, I take care of my adult daughter with a XXXX and XXXX XXXX year old granddaughters and still work full time. I am hoping someone can help me in getting this all to stop. I appreciate anything you can do or direction for me to go in trying to resolve this once and for all. 
Thank you - Sincerely, XXXX XXXX
Calvary collection agency is trying to collect on a debt for a MasterCard account via   XXXX   XXXX  . I do not recall ever having a MasterCard and have tried repeatedly to get proof the debt belongs to me by requesting a contract from Calvary bearing my original signature. Calvary has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that Calvary has been unable to provide this information and the debt still remains on my credit. Calvary is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XX/XX/XXXX and Calvary states it was opened  XX/XX/XXXX . Per the Fair Credit Reporting Act, changing the date the account is opened is against Federal  Regulations.
I purchased a vehicle in XX/XX/XXXX after I left the military, it cost XXXX, I did make some late payments but made those up when paying the regular payments. Total payments have me paying interest as much as the car cost as you will note on the attachments, the car was paid at XXXX and the interest paid is XXXX, that is almost XXXX paid on a XXXX vehicle XXXX was the lien holder and while in dispute with them over additional late fees that I did n't owe they sold their financials to TD auto ; I continued to make payments to them while still attempting to correct the bad accounting from XXXX. I lost my job and my apartment after they wrote off debt of XXXX. That was in XX/XX/XXXX, never getting the bad late payments cleared up with them, my mother made XXXX payments on my behalf while I lived in my car and the balance of which included bad charges from XXXX of XXXX was at XXXX. I started working saved up {$720.00} to just pay it off and be done with it as a settlement. TD Auto not only did n't want a settlement they have now added on late fees on an account they have written off of their books of XXXX more. If they can continue after profit and lossing a debt to add late fees, it will never be able to be paid, it certainly should n't be legal to do so. They could add fees in perpetuity at this rate. It appears to me to be criminal.
I have been regularly monitoring my credit record online since XXXX. I have a schedule by which I contact XXXX of the XXXX major agencies at set points during the year. This has worked well until a year ago. In XXXX XXXX, XXXX refused me online access for the first time. I went through the rigmarole of requesting the report by mail. Then in XXXX XXXX XXXX refused me online access. Again, I sent in the requested info by mail - but also contacted the Iowa Attorney General, which assisted me. Eventually I received a paper report. Now today ( XXXX ) I was refused online access to my record with Equifax. I 'm tired of this. The online process is already unnecessarily complex ( which is probably why my access is denied - they ask these confirming questions about credit history, but my credit history is complicated - that 's partly why I monitor it regularly - and the questions are too simple to know with certainty which mortgage they might be inquiring about, and I presume if I guess the wrong one, they shut me out. ). And once they 've denied a request, doing it by mail is absurdly complicated and time consuming. In any case, I DO want to monitor my credit record, but there 's got to be a less cumbersome process. I 'm left with the distinct impression that for some reason they want to make this so complicated so I 'll give up. I 'm irritated and frustrated. Can you help?
On or about XXXX XXXX, XXXX, I contacted the lien holder of my vehicle, a 2014 Hyundai Sonata, to inform them of a recent financial problem I experienced during my home buying process. I spoke to an account manager by the name of XXXX or XXXX and informed them that a homebuilder in the XXXX area refused to return earnest money I applied against an inventory home. The builder refused to sell the house to me and I immediately requested a refund. I am currently 18 months into Chapter XXXX bankruptcy and I made arrangements to double my monthly car payment of {$440.00} for an {$890.00} payment to be debited from my checking account in XXXX. Prestige Financial debited the XXXX payments and then reported my account 30 days for the month of XXXX. I requested stating that payment arrangements were made and that according to the account manager, I would not be reported late to XXXX and XXXX. I believe that Prestige Financial and my bankruptcy attorney failed to work with me in good faith to prevent this devastating situation from occurring. I am still very much involved in my home buying process and I am extremely distressed by the conduct of Prestige Financial in regards to the handling of my account.
Wrong address on credit report. I have never lived in XXXX XXXX, KY.
I am disturbed that Equifax continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax have no right to maintain information which the government has deemed nonexistent.