WillisBack/dataset-financial-user-claim huggingface dataset:
I learned that I was included in the Equifax Data Breach and immediately enrolled in their TrustedID credit monitoring product. After waiting 48 hours for the system to send me an email notification that my account was set up I immediately tried to login to my account using the user name and password used to establish the account. After several attempts I was locked out at which time I contacted Equifax and was told that they were inundated with requests and their system was down for a few hours and that I should try again later. I waited a couple of days and tried again to be told my login and or password was incorrect. I immediately requested to reset my password and received an email allowing me to so ; unfortunately when I entered my date of birth and the last 4 digits of my social security number I received an error message indicated that this information did not match their records. Since this this happened in early XX/XX/XXXX I have attempted to call Equifax on 5 separate occasions. Most recently today XX/XX/XXXX and Friday XX/XX/XXXX. On XX/XX/XXXX after a lengthy 25 minute conversation with an individual in XXXX who could not understand me nor could I understand him I was allowed to speak with a supervisor who told me that everything was reset with my account and it would take 1 hour to be reset. On XX/XX/XXXX I attempted to login to my account and received the same error messages with my password and the again when I tried to reset my password. I called Equifax once again and was told for the first time that the date of birth I was entering did not match what they had in the system. Only to be told that the issue was reported and it would take up to 48 hours to get resolved. I am very concerned that not only am I dealing with individuals who don ; t understand how to professionally do their job, I am more concerned that these call center individuals are not handling my Personal Identifiable Information ( PII ) in an appropriate manner. I want Equifax to provide me with the credit monitoring product and service they promised and I want the opportunity to make sure they have the most current accurate personal information on file. I should not have to go through so many hoops and hurdles over the course of 6 weeks to accomplish this process especiall if they were better stewards on consumer PII and not so greedy about cashing in their stock before they made this breach public information. As a consumer I demand that the CFPB look closer at this company and fine them for their incompetence. I still have no resolution or certainty of when resolution will be obtained and my free credit monitoring will kick in. I also have no idea if I have been a victim of fraud.
Penn Credit agreed to remove a collection account from my credit report. Penn Credit removed the account from my XXXX XXXX report, but did not remove it from my XXXX report. I have tried to contact Penn Credit multiple times, but have received no communication.
I have a personal loan with One Main Financial which I have been paying on time for the past 2 and a half years. Recently I have had some issues due to medical reasons that have caused me to have to pay a week or 2 later than the due date. If I have to postpone a payment I will set up my payment on line through their website according to my budget each week. So even if it 's a week or 2 late, the payment is still scheduled. There is a girl named XXXX that will call me at work and home when I schedule a late payment. The last time I spoke with her when I was in the office ( XX/XX/XXXX or XXXX? of 2016 ) I told her she could not call me at work anymore. They are getting upset with all the calls. She would call everyday, sometimes 2 times a day. After that conversation, she continued to call. And again, sometimes twice from what my colleague at work tells me. I have logged all the times she has called if needed. I also mailed a written request to not call my work number in the future. She still calls. I understand they are concerned about receiving their payments, and I have never been 30 days late, and if they pay attention to their own website they know when I schedule my payment. I understand that if I pay late, I have to pay the late fees etc. And I do. The last conversation I had with her was borderline harassment. She was insistent that I come in and sign a paper for a deferment. I was 15 days late? I told her there was no need. I will pay the late fees. She did n't seem to like that answer. So I get a letter in the mail to sign for a deferment. Which I tore up. I do n't mind if she calls me at home, she can leave a message anytime. But I do n't want to be harassed any longer. The company I work for is getting tired of answering personal phone calls everyday and sometimes twice a day. She could make me lose my job.
I have been attempting a short sale for over a month and I still have a foreclosure sale date for XXXX XXXX, 2016
The subject is about Fifth third Bank internet auto-pay bankingThis is the XXXX or maybe the XXXX time that I set up an auto-pay but some trigger defaults the account the money is to be drawn from the account I assigned to an account that has the least amount of money and thus creates overdraft fee 's XXXX trigger is if you change or modify the amount, without you being aware unless you research intentionally will re-assign the account with the least amount of money.. I have addressed this fault with Fifth Third believing it was a programming error But now just another Trojan Horse.. 
A year and a half ago they sold me on the Early Access product that I was lead to believe was a overdraft protection product that was charging a very high percentage rate. I complained about that and now the interest rate is 3 % or lower and it is an overdraft protection vehicleThen last month or so I find out they started charging {$15.00} checking account fee on a free account.. XXXX reason being I have direct deposit. Now the bank manager credited 3 months because thats all the further he could authorize this refund. But still this bank continue 's with inventing these Trojan Horses
I am submitting this complaint on behalf of my XXXX XXXX XXXX mother, of whom I am POA and Trustee of her accounts. Currently she has a Capital One XXXX which pays for XXXX specific and regular monthly expenses - Medications and a storage unit for $ XXXX. 
CaptialOne bank double-charged my mother 's XXXX Bank checking account through auto-payment on XXXX XXXX, XXXX. Rather than XXXX monthly charge of {$80.00} for a storage unit, her account was charged ( also by auto-payment ) an additional {$80.00} fee, creating an overage of {$80.00} to her account. 
As her POA and Trustee, I attempted to speak with CapitalOne personnel by phone more than once. I filed a paper form with CaptialOne detailing the dates and discrepancy and sent it by FAX XXXX XXXX, XXXX at their request. All responses from Capital One have led to no resolution. 
There is still an outstanding {$80.00} over-charge by CapitalOne, as evidenced by the attached downloaded CapitalOne transactions via the CapitalOne website, downloaded XXXX/XXXX/XXXX. However, I checked her account balance online today - XXXX CapitalOne shows the current balance of zero. The downloaded transactions show a clear {$80.00} credit owed to my Mother 's trust account. The company has not provided a charge to resolve the double credit regardless of multiple attempts at communication. The balance reported by CapitalOne does not agree with the downloaded transactions.
Portfolio Recovery calls my family members, including XXXX year old child with a non published number. They say that they are trying to reach me before they issue a warrant for my arrest and that if my family member would like they can pay the amount to prevent me from going to jail.I have called the number back and requested debt validation.I never receive anything, no calls for a couple of months, then it starts all over again.
I pay my   XXXX   XXXX   Credit card via automatic debits, and also have estatements. I notice my minimum payment continues to rise, yet I rarely use the card. I looked online and see that I am charged approximately  XXXX  per month for " debt prot '' -which I have never authorized. It appears that this has been charged to my account for at least 2 years, which is as far as I can go back online. This is approximately  XXXX  and  could easily be more as I have had this card for many years.
XX/XX/XXXX For the last several months I have received a daily recorded phone call from a company called XXXX XXXX XXXX XXXX XXXX. The message states this is XXXX XXXX XXXX and you need to call XXXX and reference ID number XXXX. Ive ignored it over and over and over knowing that I had no debt to be collected and assuming it was a scam. Finally after being woke myself on a day off and having the grandchildren woke up when visiting I decided to call it back and see if I could get it stopped. On XX/XX/XXXX I called them back. They refused to let me talk to a XXXX XXXX XXXX and XXXX insisted she could take care of the matter. I gave the ID number and they were looking for somebody named XXXX. I informed them there was not and have never been anybody named XXXX at this number and to please stop calling. They told me they would remove our number. Again this morning they called leaving the same recorded message more than 24 hours after I ask them to remove our number. I called them back and got a gentleman that I couldnt understand and again ask for XXXX and was told that he doesnt talk to people. He only leaves messages but they would let me talk to a supervisor. I got somebody that told me her name was XXXX XXXX. She told me that she would remove our number and it would take 24 hours ( same story I got more than 24 hours ago ) and that if they called again I could call XXXX. I informed her I was filing a complaint against them because I had already ask them to remove my number and told her I was turning them in as a scam company since they had nobody there named XXXX XXXX XXXX. She tells me they do have that person but he only leaves messages. To repeat and be clear the message we get it recorded and not a personal message. She then just talked over me telling me a scripted message about them removing the number in 24 hours when it has already been more than 24 hours since I ask them to remove my number. 
They call from one of 3 numbers : XXXX XXXX XXXX The follow is the dates and times I have that they have called dating back to XX/XX/XXXX. Unfortunately I had deleted anything further back than that. 
XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I looked them up online and it appears their mailing info would be as follows. 
Transworld Systems XXXX XXXX XXXX XXXX XXXX, DE XXXX
In XXXX XXXX, had a {$37000.00} loan ( they describe it as a Line of credit ) however it was a one time deposit to my account, with set payments of {$660.00} per month for 60 months. That said I have been paying on this loan for over 90 months. I am in the military and have been XXXX from XXXX to XXXX. Now that I am back in the XXXX, I have had time to try to see why this has happened and the Bank of America stills expects 6 more payments of {$690.00} plus. 
I have called them and asked how a set number of payments has gone over Seven years expecting to surpassing Eight Years, I would not have took out a consolidation loan that would take over Six years to pay. We are going on Eight Years and I have not received anything from Bank Of America to resolve this. They sent me a application from XXXX that has minimal information concerning myself. They sent me more paperwork that has the loan amount and term 60 months and then the 4 pages of terms and agreement. 
My last communication with the company the service rep said he would forward it up to a division that will investigate why this may have happened. 
From speaking with several representatives, in XXXX the Loans like the one I received were discontinued and called something else. In XXXX there was some other change concerning my account but the rep could not tell me, other than he would forward my situation to another division. I have paid over {$60000.00} on this {$37000.00} loan and I am certain this was not what I agreed to in XX/XX/XXXX
I opened a dispute with XXXX for XXXXXXXX XXXX who is reporting a {$70.00} debt since XXXX, and now they are stating on my report it will not come off until XXXX..the account has been charged off..XXXXXXXX XXXX keeps changing debt date to keep it on my credit, that is the only way they could hold this debt until XXXX..
I FOUND OUT THAT I HAVE FRAUD ON MY CREDIT REPORT FRAUDULENT ACCOUNTS AND INQUIRIES
XX/XX/2015, a XXXX representatve called me and asked me if I wanted to renew a protection agreement on a washer and dryer. Having had issues with the unit, I agreed. The company asked if they could bill a XXXX XXXX Card on file ; I agreed, but the company representative never confirmed a billing arrangement and I assumed I would receive a bill in the mail. Months passed, and I did not receive a bill. Finally, I received a threatening letter from XXXX that informed me that I was 30 days past due. I quickly called the company, made an over-the-phone payment and the company agreed to waive my late fee. I also learned that my bills were sent to an email account that I rarely use. In XXXX of 2015, I decided to check on my credit and learned that it had dropped by approximately XXXX points with all three bureaus. I immediately learned that XXXX, XXXX ' credit affiliate, reported me 30 days late to the credit bureaus. I disputed this charge, with the credit bureaus and the company, but none of these sources agreed to reverse the claim. Keep in mind that I did not receive any of the bills and XXXX conceded fault by waiving my late fee.
I had opted for paperless billing statements from Kohl 's a few years ago and had not had much problems. However, I had been receiving too many marketing emails and opted out of them a few months ago. After that, I did not receive any paperless billing statements from Kohl 's but I was n't making many purchases. I have always found their online system to be very slow and hard to access. I finally was able to access it a couple of weeks ago when I realized I had n't received a bill for a suitcase I had purchased. I was puzzled because their online software system sent me an email saying thank you for registering, even though I have been a registered user for years, when I accessed it to check on the bills. It also kept telling me that my email provider had changed and that was n't true either. My email address is still the same as it has been since 2007 and was correct in their online system. I found 3 billing statements that were never sent to me and that Kohl 's had been adding fees and interest charges to my bills. I called them and sent them secure email messages explaining all these inconsistencies. They only removed some of the fees and none of the interest charges, basically telling me it was my problem and not theirs. I finally received the 3 bills by mail as I asked for, none of which I was even informed was available when they were. I think they made a software update that caused a problem and are charging me for the resultant problems because the fees to do so are so high. I have now switched to paper statements.
I have been trying to open a new bank account for almost two years now. I keep getting denied. The issue happen in XXXX 2015 my bank account was compromise by a scammer. I reported the issue to bank of america. I wrote a handwritten letter and went to visit the bank in person also and made a report. I received my XXXX XXXX report and it says that bank of america reported me for fraud activity. So I assume that that 's the reason I cant get a bank account. Am not sure why they are blaming me for the incident. When I clearly reported it soon as it happen. So am trying to see how can I resolve this matter and get this remove so I can open up a bank account. Please help me.
COINBASE CASE # XXXX - {$25000.00} Wire Reversal missing for 2 months - XX/XX/2018 - I had a wire transfer sent to Coinbase for {$25000.00} that was reversed since it was sent from my business checking account ( name mismatch ). Received email response from Coinbase indicating 7 business days for wire to be reversed and sent back. Screenshot of Wire Reversal email from Coinbase attached. 

XX/XX/2018 - Emailed Coinbase customer support and requested status on wire refund. Coinbase responded the same day requesting details regarding my wire transfer which provided to Coinbase. I reminded Coinbase that I've invested over {$200000.00} with their company and this was something that needed to be resolved. Called Coinbase Support and hung up after 45 minute wait. 

XX/XX/2018 - I received an email from XXXX ( Coinbase Employee ) stating that she apologized for the delay and would help resolve my wire refund. 

XX/XX/2018 - XXXX ( Coinbase Employee ) requested further documents which I provided. Also provided Wire Transfer instructions from my bank to assist with the reversal. 

XX/XX/2018 - Emailed XXXX ( Coinbase Employee ) to provide status on wire reversal. I have not heard from XXXX since providing all the documentations Coinbase requested. 

XX/XX/2018 - Called Coinbase Customer Support to check status of my ticket. Spoke with XXXX who could see my dispute had been in the system since XX/XX/XXXX. XXXX stated that my case was escalated to the highest level. 

XX/XX/2018 - Emailed XXXX ( Coinbase Employee ) requesting status update regarding my wire reversal. No response was received from Coinbase. 

XX/XX/2018 - Emailed Coinbase customer support regarding wire reversal. No response or status update has been provided. It has now been 7 weeks since the initial wire and I haven't received my wire reversal.
Hi, Ive been trying to pay off my student loan at Navient for over a year. I had the loan in the US but now Ive relocated permanently to the XXXX. Ive been lied to several times and now Ive exhausted all options left with no way to make a payment. They tell me I need a US bank account or a money order. Neither of which are possible here in the XXXX. I opened a foreign currency account and transferred currency at their advice only to discover that didnt work so in the end I love money transferring currency. Ive gotten a prepaid card loaded with funds at their advice only to discover that that didnt work either, again losing money in the process. 

Im so beyond frustrated and have no solution for how to pay this loan off. Theres definitely something really wrong with this company. Its very weird. 

Please can you help me? 

Thank you
I started the process of refinancing to cash out equity with XXXX XXXX XXXX on XXXX XXXX, XXXX. I was told that I called in at the " perfect time ''. The lender was offering a 2 % lender credit with a rate of 3.85 %. Plus the loan officer found a way to get the lender to pay for an appraisal. My appraisal came in and everything looked great. We were then informed that our loan amount would put us in a jumbo loan and that the rate would be much higher, no lender credits would be given and the {$1000.00} appraisal is now on us to pay at closing. I feel like this is bait and switch. The facts on our end have n't changed. Also to be noted is that the switch happened nearly a month in and it 's now been 56 days with still no closing date in sight.
I purchased insurance on my home on XX/XX/XXXX to comply with my reverse mortgage. On or about XXXX XXXX XXXX, I received a notice from XXXX claiming I had not purchased insurance on my property. I wrote them back on XXXX XXXX with all the information they requested about the insurance I had already purchased. On or about XX/XX/XXXX, I received another letter from XXXX claiming that I had still not purchased insurance on my property. I called them back right away and the XXXX rep. took all the information again to show I had the insurance. XXXX  ignored all of my communications with them, and even though they had all of my information and could have called me or sent an email, on or about XX/XX/XXXX, I received yet another letter from XXXX claiming that I had not purchased any insurance. I notified the agent for the insurance I had purchased back in XXXX, and he sent a fax to XXXX  on XX/XX/XXXX with all the information about my policy. I also on that date sent a certified letter to XXXX informing them of the many attempts I had made to inform them that I had insurance. On or about XX/XX/XXXX, I received a letter from XXXX  that they had used my funds to purchase a second insurance policy on my home, and that the purchase would show up on the next report of how much I had available in my line-of-credit with them. 

As their actions have now cost me {$1700.00} to pay for a full year of what they claim is a second insurance policy on the same property, my home, and as they continue to ignore any communications from me, I am convinced that this is another scam to cheat the elderly. Can you help me, and what do you advise I do?
I hired an attorney to help me with my Social Security XXXX hearing. As part of their package they sent me a " MY KEEPS '' card and told me " if needed '' to use the card until my hearing date to go ahead and use it. I didn't use it at all. Approx. three weeks after the hearing I called my attorney to find out they were paid and the balance went to " MY KEEPS ' ''. On XX/XX/2018 I closed the account {$1100.00} balance they said " WE WILL '' mail a check on Friday XX/XX/2018. Up to this day .... " the check is in the mail '' I call and call every rep. will only give their first name with long periods on hold other times to the point of automatic disconnect waiting. Today XX/XX/2018 on my third attempt ... I finally spoke with XXXX ( a manager ) she told me " WE WILL '' mail a check onXX/XX/2018 this Friday to expect it by the middle of XXXX. I wonder if I will see a check then either! THIS IS NOT RIGHT!!!
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) and XXXX XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Received recurring phone calls from a company by the name of XXXX XXXX XXXX claiming fraud concerning an ace cash express account. First couple of calls were from New York. The last 20 calls have been from an unknown number. 
This message is intended for _______. My name is XXXX XXXX I'm contacting you in regards to paperwork I received in my office in regards to a pending allegation. Please appear to be originating in your local jurisdiction. simply (? ) getting you in a possible claim of fraud concerning Ace Cash Express account. This matter is directly affiliated with your name date of birth as well. 

Gave the phone number to call back : XXXX
On XX/XX/XXXX I sent a subpoena to Morgan Stanley to get all records about a house that I purchased on XX/XX/XXXX. I received nothing yet.