WillisBack/dataset-financial-user-claim huggingface dataset:
I sent several emails over a period of 3 weeks requesting information for forbearance and payment change. I received no response. When I started making payments I saw a large amount of interest go towards principal. I called for a break down and they could not provide explanation over the phone and said I would receive the break down in 2 weeks. I did not receive it at all. My employer makes payments that should only go to interest. They were being applied to all fees. I called and asked that to be researched. They told me they were being posted incorrectly and it would be changed. When they made this adjustment they then also flagged me as past due and started charging me late fees. I called the first day the account showed past due and asked for details. I was told it was a mistake in how they made the adjustment and it would be corrected and would be completed in two weeks. When it got close to the end of the two weeks I reached out to customer service via email for an update as nothing was showing corrected. My email was not answered. 
I called for the third time and asked the status of my previous requests and customer service told me they did n't see any notes on my account and just went over my recent payments and told me they did n't see anything wrong. After I explained the full story again she placed me on hold and still said she found no notes on my account. At that point I asked for a manager and was told there was only XXXX and it would take at least 10 minutes to get him. While on hold she continued to come back to me and tell me I owed a payment and that nothing showed I did not. The late fees were valid. Even though when I had logged in before the adjustments it was not late, there were no fees. Another long period of time went by and then she told me she found the notes on my account. I still asked for a manager because I had not been provided a breakdown of interest to principal previously requested and the newest payment from my employer posted incorrectly. 
While on hold again she told me the manager wanted to call me back. I refused and waited. While waiting the manager was able to make time to correct my account to no longer show past due or have late fees. I told the rep that was not the only issue and there was still more needed. 

The entire experience is a Joke. I am not someone escalates to a manager but when I am told there are no notes on my account and told that nothing I was previously told was correct and that they can not prove where my employer payments came from but they did n't previously have that problem it is crazy. It also seems that while the manager fixed the account that they refuse to actually speak to me. They continued to just send the rep back over and over again to act like a puppet with what they are saying. I appreciate empowering the associate and having them de-escalate when needed. But when there are multiple issues and the rep is not understanding them or addressing them and over a 30 minute period the rep has to come back to me more than 6 times the manager should come on the line.
I had to take off work due to my wife having problems with her XXXX XXXX so i called the company and asked to make arrangements due to being out of work and they threaten to take me to court if i couldnt pay in full
Chase failed to properly process escrow paperwork during the refinance of the loan of in XX/XX/. XXXX years passed before they noticed their mistake and then added $ 42k to the payoff balance. I have spoken with XXXX XXXX at Chase who has acknowledged the bank mistake, but was not able to resolve issue.
I began receiving calls from an unknown number onXX/XX/XXXX. The caller left numerous voicemails even after speaking to me. The caller stated that she is a process server and would be serving me at my home or job and instructed me to call XXXX with a reference number. The same caller left a message for me the same evening. This morning, XX/XX/XXXX she called again and left the same message. I called the number provided, XXXX and asked what company I was calling. He stated Alternative Dispute Resolutions or ADR. He proceeded to tell me that XXXX XXXX XXXX was going to sue me for {$1400.00}. He said that I could either pay the amount in full or give a refusal after which time XXXX XXXX XXXX would proceed with a lawsuit. I stated that I would like to speak with XXXX XXXX XXXX and he said he could not provide any contact number for his client. I advised him that I would still be contacting XXXX XXXX   XXXX. He then stated I needed to call back before the process server was scheduled to come out and serve me at XXXX today, XX/XX/XXXX. The debt I had from XXXX XXXX XXXX is 16 or 17 years old. It was reported on my credit by a bill collector and removed after the 7 year period. I no longer have any documentation because the debt is nearly two decades old. When I look up the phone number ( XXXX ) XXXX, it comes up as the number to a property manager.  When I look up the business name they gave me, Alternative Dispute Resolution/ADR, no business comes up, only the definition for Alternative Dispute Resolution.
I need to find out what to do about getting a company to issue a Release of Lien from XXXX of 2012. I contacted them on several occasions and they told me several times that the Title had been mailed I must have lost it. So I recently sent off to the Texas Department of Motor vehicles for a Lost Title and was told that the finance company Santander still has a lien on the vehicle. My online account for the vehicle has been inactivated so I ca n't even pull up the proof that it is paid ... PLEASE HELP.
XXXX Account Number : XXXX look like this account is not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply
Someone called from XXXX saying they are trying to contact my son says that he owes money ( which he does n't ) and to call XXXX at XXXX call two to three time per day and it 's very aggravating.
For about 6 months, I have been disputing an collection account placed with the credit bureaus by ABILITY RECOVERY SERVICES , LLC. 

This is not my debt. I have previously called the public phone number for Ability Recovery Services and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with XXXX and XXXX and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against Ability Recovery Services and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. Ability Recovery Services is responsible for me being denied for a credit card solely based on a collection account they reported.
Transworld has called my home XXXX times for my mother, despite being told she does not live with me. The calls occurred XXXX/XXXX/15, XXXX/XXXX/15, and today, XXXX/XXXX/15. Today ( XXXX/XXXX/15 ) the call came in at XXXX this morning waking up my children. The number they call from is XXXX.
I had called tidalwave finance on 2 seperate occasions to get info on a charge off account ... .I had been potentially looking towards filing bk ... .an attorney had informed me i needed balances and company info so he may further assist ... .i tried to see if i could possibly settle my account with tidalwave finance due to me not having a personal cell or home phone number a female XXXX sttd she had the right to tell me to send it in in writting and she sttd she will be hanging up now ... .and she hu on me ... ..i tried calling again to speak with a sup but only had gotten a vcml ... its frustrating to know this is my second time to have to put a complaint towards this company.Im a single parent and have very little income. the second time I called I asked what the settlement would be and how the amount is being set by ... he then sttd im on a daily ineterest then i asked if the company accrues daily interest on a chargeoff account? ... he then asked me if I have lost my contract ... I informed him i did and that I would like what he is telling me in wriiting he kept asking me other questions instead of answering me ..like why havent you paid its been a while sine i had stated i wasnt working ... .I informed him XXXX and my kids would get sick once I would start working ... .if he could please send me the info to the mailing address and he hung up on me ... ..
On XX/XX/XXXX I deposited my paycheck via an ATM. The ATM took my check but failed to offer a receipt, leaving me in doubt as to whether the amount was credited to my account. We had severe winter weather for the next 4 days, and most businesses were closed. On Wed XX/XX/XXXX I called the bank 's customer service line to ask why the deposit had not been credited. The agent confirmed that the ATM " did n't register '' my transaction. He started a " disputes process '' that he said would lead to my deposit being credited. I was surprised to learn that this would not involve any non-routine action by the bank. Instead I must wait until their next routine reconciliation of ATM deposits, which happens every 10 days. He was unable to tell me when the reconciliation would occur. I have waited and checked my account balance each day, hoping my deposit will be credited before bills come due. My wife and I called again today, and after many dead ends on voicemail, spoke to an agent in an undisclosed remote location who had nothing new to report. I finally received a call back from the local branch, in response to an earlier call. ( The bank 's customer service line does not allow contacting the local branch, and XXXX local numbers are not published. I would not have known how to contact them if my wife had not saved a business card. ) I learned that the local branch has means to retrieve the check and " manually deposit '' it without waiting for the routine reconciliation process. The branch employee acted promptly to find the check and deposit it. I still have not seen the deposit credited but am hopeful that it will happen within 12 hours. I was dismayed to learn that the routine ATM check may have happened 3 days ago but there was apparently no action taken about my dispute.
On XX/XX/18. I went to town for shopping. When we got to town ( 2 hours commute ). I realized I forgot my bank ATM/ debit card. I did have my capital one credit card. And had about 900 available balance. 
So i decided, I will use this card. Everything was ok until we went to XXXX. My total amount was XXXX. And my card was declined and the machine stayed to call the credit card company. I did call them. They stated my card was flagged for suspicion of fraudulent use. I told them and they cleared me, stating it was me. It might have been flagged because I had not used the card in so long. They " unlocked '' my card. That's was 20 minutes of being on hold and trying to clear my account. And we had to stand outside the store because there was poor cell signal. My daughter had to stand with me in the heat. We went to our next place- XXXX XXXX XXXX. And my card declined for 80 some amount. My XXXX XXXX XXXX started getting frustrated of her mom talking on the fone for another 25 minutes. She crawled under the cart and got frustrated. They " unlocked '' my fone again. I stayed on the fone with them as we went to XXXX. I wanted to talk to a supervisor. The guy started being a bit to sarcaisc because I demanded to talk to a supervisor because I already answered all the questions needed to unlock my card twice and did not want to go thru this again. He sed " I explained this already and it was recorded, '' i told.him, well, the recording will.show how long i was placed on hold and how long this is taking. Not to mention, the recording will also show you, not transferring me to a supervisor. I was so was embarrassed and, by now, I got so frustrated, my daughter and I didn't enjoy our trip to town. I even forgot items because I was on the fone for a long time. Then he finally started to transfer my fone call, he transferred me to another customer service persons who spoke to me in some other language. He finally spoke back to me in English. He stated he was a customer service representative for Spanish speakers. He finally transferred me to a supervisor. He assured me he over wrote the system and I should not be worried my card would not decline. I told him, if I cleared all the questions that it was me, then why did I have to call again and to be embarrassed and afraid to use my card. I have been a loyal customer. And a month ago, I went to XXXX XXXX and used one of my other credit cards with no problem. 
We got home. We did not enjoy our trip to town. I spend so much talking and waiting on hold. I even had to make another trip to XXXX because I forgot items. And we got home, I still forgot several other items we needed. 
I needed to make 3 more stops but i was so afraid my card to decline, we didn't go.
I started going to  XXXX   XXXX  offic e  X/XX/2015    because I ha d hurt my  XXXX , he said he could help my pain, started going every week, after ab out 2 to 3 mos into  the visits my  XXXX  started to fell some relief bu t my    XXXX   started to go   XXXX   I told him about my  XXXX , he did n't say anything. But as I was going I was paying my bill monthly, {$270.00} as I continued to go my  XXXX  were getting worse, So I knew I needed to stop going to  XXXX   XXXX , I could no longer afford the service. and I was also worried about the fact my  XXXX  getting worse after every visit. On my last office visit I asked if I owned any payment, I was told NO, Everything was paid up until after my next visit. I canceled my next appointment and did n't go back, after a few weeks I received a letter for  XXXX   XXXX   XXXX  for collection of {$680.00}. So I called  XXXX   XXXX   office to  ask why I got the letter,  XXXX   XXXX  receptionist told me they could not talk to me because the bill was in collection, I received some letters from  XXXX   XXXX , then I stared getting phone calls from Law offic e of Charles McCarthy, I expl ained all this to them, but they keep calling after i have asked them to stop calling me. I do n't understand how they can charge me when i was told my bill was paid up passed my next visit.
XXXX XXXX Credit card was open in XX/XX/XXXX and is currently in charge-off status. The 3 credit bureaus are only reporting back to XX/XX/XXXX. I am trying to confirm how this account was opened, online, in person or via mail, etc. I am also requesting payment history between XX/XX/XXXX and XX/XX/XXXX. I believe the date that this account should have stopped reporting has passed. I have attempted numerous dispute to obtain and verify information regarding this account. The result of the disputes is always updated with insufficient information. Please verify the creation of this account and provide payment history between the origination and XX/XX/XXXX.
there should be a catagory for ''CREDIT REPORTING CRIMES AND FRAUD '' this would explain chexsystems making bad reports on my good name WITHOUT HAVING ANY TANGIBLE PROOF OF ANYTHING, XXXX XXXX XXXX XXXX XXXX IM SICK OF THESE XXXX, AND they send me a letter i have a ''consumer file '' how did that XXXX happen? I am not thier comsumer, can i see evidence that im a consumer of chexsystems? SHOW IT TO ME, AND WHO THE XXXX MADE ME A CONSUMER NUMBER WITHOUT MY CONSENT? AND THIS IS A CRIME FOR SURE, LET ME GET THIS STRAIGHT FOR THE UMTEENTH TIME, IM NOT YOUR CONSUMER, IM NOT YOUR MEMBER, IM NOT YOUR CUSTOMER, AND YOU CAN NOT HAVE MY SOCIAL SECURITY ACCOUNT ACCESS, ITS A TRUST ESTATE ACCOUNT AND I FORBID XXXX TO ACCESS IT, AND NO IM NOT GOING TO VISIT YOUR WEBSITE BECAUSE I DO NOT HAVE A CONTRACT WITH YOU CRIMINALS, AND IM NOT GOING TO CALL YOUR XXXX XXXX ON THE PHONE WHICH ASK ME FOR PERSONAL INFORMATION WITCH IS NONE OF YOUR XXXX BISNESS, I WANT TO KNOW ALL WHO YOU ARE REPORTING FOR AND I WANT FULL DISCLOSURE OF ALL REPORTS WHICH YOU HAVE FAILED TO DO OVER THE PAST YEARS AND COMMITTED MORE FRAUD AND CRIMES
I had a Citibank checking and savings account. Apparently, there was some form of overdraft protection ( in the form of a line of credit ) on the checking account. I was in the process of buying a new home with XXXX XXXX as the lender. I was attempting to liquidate my checking and savings with Citi and move all of my money to XXXX. On my online account, the available funds in the Line of Credit appeared to by positive money owed to me. So, I moved the money that I thought was mine to my checking account and proceeded to close the accounts. I had trouble closing the accounts, as can be confirmed by multiple calls to the Citi customer service unit. Please note - there are NO branches in my state and it appears as though the branch I started the account in is closed as well. This is very unfair and confusing for a consumer. Eventually, the accounts were liquidated/closed. However, it appears as though what I thought was an available balance for me, was actually a line of credit. It was ~ {$150.00} ans was reported to the credit bureaus as delinquent. Now, my otherwise perfect credit history has been negatively impacted. Look, this was not a loan to me that I did n't repay. This was just a confusing feature on my account that I did n't even know existed. I was never notified - no one called me, no one mailed anything to me - regarding this ... it just showed up on my credit report one day. This is not an act of non-payment. This is solely customer confusion caused by the online account, absence of branches, and an inability of an offshore call center to assist a customer.
On XXXX/XXXX/XXXX I contacted Chase Bank and inquired about the status of my accounts. Upon being transferred to a XXXX at Chase Bank Card Services, I was informed that my accounts where closed because I was not using that account as intended. When I asked to elaborate, her reply was that my account was closed because I have added and removed authorized users and that Chase assumed that because of this I was not using the account as intend. I asked her how and who assumed this? She would not give further information and just stated that I will receive a letter in the mail. I asked her how can they just close my accounts when in fact I have had these account sine XXXX and never had a issue? I informed her that I was following the instructions given to me when I called in the past. As matter of a fact they said that I can have as many authorized users as I want. Even when I explained this she plainly fail to regard me and just blew off as if that 's it and moved on. Chase never gave me instructions and ways of how to use the authorzied user program. They just said that I could add and remove as many as I want. I requested to speak to a supervisor and she refused to transfer me and stated that there was n't any supervisor on the floor. That I will get a call from them. I instructed her that I was filing a complaint with the CFPB and that I was reporting the ill action.
Hi and good evening - I'm a XXXX years old woman and I been constantly on the phone with XXXX and collections company for the last several weeks. I was looking through my credit couple of weeks back with my family lawyers, and noticed that XXXX company reported an old account that i had returned the equipment back with the balance of {$170.00}. After several attempt to try to resolve this and explaining to them that I had previously paid it, and I just simply went ahead at the local office and paid them off as you can see on the attachment. I talked to the representatives there and on the phone and they said that as long i paid that balance of {$170.00} they will remove it permanently from my credit report. But it continues to appear on my credit report with the balance.
Equifax is giving me the run around online and by phone. I called their dispute line and I have called their regular line. I can not check status online and additionally questions to verify my ID are wrong. Equifax asked if I CURRENTLY have a Credit Card with XXXX, XXXX XXXX XXXX  or NONE. I chose NONE because I do not CURRENTLY have have a Credit Card with either of these companies. I cancelled those cards years ago.

How can I fix anything, if Equifax refuses to give me a human to talk to and has Misinformation with Verifying my identity. I can not get anyone to talk to me to fix my issue. I am the consumer and they are playing games with my accessing My Credit Information.

This code they emailed me does not work, nor my DOB, nor my Address, nor my SSN, nor my Full Name, they are telling me this information is wrong yet I can use this same info with XXXX and XXXX. I think I know my full name, address, DOB, and Social Security number.
I want to file a complaint against XXXX now known as Navient for systematically and illegally failing in accommodating to help with repayments of my loan back so many years I was in financial hardship due to being a single mom with XXXX kids. My student loans when I graduated back in XXXX was around {$30000.00} and now has reached almost {$50000.00} because for many years I was told I would need to file for forbearance even thought I submitted documents that I was going through financial hardships. I was never offered a better alternative to pay off my school loans. As a single mother of XXXX, soon to be XXXX and as a military member I should not have to be responsible for {$20000.00} of incurred interest because I was misinformed and taken advantage of paying for a higher school loan. Especially when I tried requesting for help to reduce the payments or other options what would not lead to increasing my loan to what it is now.
I have a XXXX 's store card and had it enrolled in Automatic payments. I changed accounts and for several months I have been unable to update the account number for the automatic payment through the online website. Because of this I fell late on one payment during the month of XX/XX/2018 and contacting them is always a hassle. I don't think it's fair for their technical problems to cause a derogatory mark in my credit score. I paid off the account and will close it but I need to try and have this late payment wiped off as it was not my fault that the automatic payment could not be updated over the phone 's VRU. I can't even look at my statements online because I get the same error message. This has been going on for MONTHS.
please find attached the letter from the creditor ( citi card ) foe which they have approved to have the 30 day late to be removed from my credit reporintings XXXX, XXXX have been reporting it, please help me to have them removed from their reports thanks
36 times since XXXX 2016 have tried to buy car XXXX of the XXXX credit bureau shows I 'm not listed by Chrysler Capital I have paid 2 1/2 years on this loan Chrysler Capital is treating me like a nobody but they accept my payment to which have been made on time at this time I want to be left as a " NOBODY '' My rights have been violated By Chrysler Capital and If Chrysler Capital puts anything about payments back in credit bureau they will be admitting they have done me wrong my next step is to get a Lawyer if Chrysler Capital wants to talk to me it will be eye ball to eye ball I accept nothing From Chrysler Capital until " HELL '' freezes over THank You CHHRYSLER CAPITAL FOR NOTHING