WillisBack/dataset-financial-user-claim huggingface dataset:
The credit card auto-pay feature on the Fidelity cc auto-pay website had a major bug in it which prevented the user 's auto-pay form from submitting properly in XXXX XXXX. I am a computer technician and this most certainly was a bug which I have screenshots of. Resulting, I established an auto-pay numerous times but repeatedly I had the same problem with the auto-pay not drawing from my account ( I filled out the form and hit submit, but auto-pay would not work after numerous attempts ). I attempted to resolve this issue several times with customer support and was largely ignored. Additionally, this organization can not seem to get my physical address correct in spite of numerous attempts to correct this on the phone, and resulting I have not received the vast majority of their mail. Also, XXXX XXXX XXXX already admitted fault and refunded me the late fees, but refused to contact the credit reporting agencies to denote this mistake. Lastly, I was expressly instructed by an XXXX XXXX XXXX representative to disregard mail coming from credit services, so even if I did receive a letter I was expressly instructed to ignore it. 

They claim that it's my responsibility to make payments on a card, but since I am a ) not able to set up auto-pay in reliable fashion and b ) being handled negligently by phone support who can not seem to properly record my physical address and c ) since I made a good faith effort to procure payment, I am forced to file complaint here as my numerous verbal and written complaints have been completely disregarded by XXXX XXXX XXXX. 

I have never missed a payment in my life, nor would I allow for my perfect financial reputation to be tarnished by such a small {$30.00} payment.
I received two letters from XXXX XXXX XXXX. It states that the original creditor was XXXX XXXX, XXXX. and current creditor is XXXX XXXX XXXX. It states it was a student loan from when I attended XXXX XXXX XXXX and the amount of XXXX was given in XX/XX/XXXX another amount of XXXX was given XXXX of XXXX. Last payment received on XX/XX/XXXX. I called the company to dispute the validity of the accounts on the grounds that I signed no paperwork work when I attended XXXX XXXX XXXX in XXXX XXXX, Indiana to a XXXX XXXX, nor have I ever made a payment to them. When I attended XXXX XXXX, they forced me to get a loan from XXXX XXXX  in order to cover their temporary credit or I could no longer attend. The only bank that I know I signed for was XXXX XXXX. I never got any repayment letters and never knew anything about a XXXX XXXX. I inquired about the so called last payment that was supposedly made and was told that they did not have any further information about it.
On    XX/XX/17 , we  were charged a {$480.00} appraisal fee for an appraisal that we did not order. The appraisal was ordered by  Santander  Bank, due to the fact that we were going to potentially short sale our home. We were able to sell our home for more than what it was worth. On   XX/XX/17 , t he date of our settlement, we contacted Santander for a payoff figure. We immediately filed a dispute for the appraisal fee because Santander jumped the  gun in ordering the appraisal. We had not even submitted a short sale offer and they had already sent an appraiser to our home and charged us for the appraisal. We were told we would be contacted within 5 to 7 business days with a decision on the dispute.  On  XX/XX/17 , w  e  called Santander to see what was happening with th e dispute, because we were never contacted, and we were told that the appraisal fee would not be refunded because they had the appraisal completed to protect their interest. O n  XX/XX/17 , the date of payoff, we were also charged a {$50.00} satisfaction fee. We asked about this fee on  XX/XX/17  and we were told it was a fee for the satisfaction of the short sale, which we never incurred. We would like  to have a refund of the {$480.00} appraisal fee and the {$50.00} satisfaction fee. We were hoping you could help us in this matter.
My ex husband was awarded my credit card debts in my divorce. Due to his negligence to pay the monthly fees, it has effected my credit report negatively and dropped my score significantly. He is the responsible individual for these, not me. He has not paid on these items since taking over the debts. I do not have the finances to cover these debts like he can do. I have tried to contact these companies and they have yet to remove me as the responsible party.
Equifax mishandled the personal data of myself and millions of other American citizens, allowing personal information to get into the hands of malicious hackers. Their gross negligence and inability to secure my information has put myself, my family, and my finances in immediate danger. Their insistence that consumers relinquish their legal rights in order to find out if we 've been affected is ludicrous and proves that they care far more about their own personal security than the consumers they claim to serve. Their requirement to pay a fee in order to freeze credit accounts that have been affected in order to profit off of their own mistakes is nothing more than racketeering. The multiple executives who sold off millions of dollars worth of stock just days after the attack should be imprisoned for insider trading.
XXXX XXXX XXXX I responded to an ad on XXXX to rent a one bedroom apartment and got a respond back about the apartment from a person named XXXX XXXX and confirmed he and his wife were the owners of the apartment but needed to move to a bigger place and was rentin this apartment out. 

He indicated the rent was a {$1000.00} with a security deposit of {$500.00}. He called and I spoke to him and he assured me everything was OK. I made a deposit ( into his wifes Wellsfargo account which he gave me the account details of ) of {$500.00} on the XXXX of XXXX XXXX with the anticipation of paying the remaining balance on the XXXX of XXXX and move in on that same day. I made the deposit on the XXXX and called XXXX and he informed on the call that the apartment was being cleaned, after about an hour and no call back from him I called him and he wasnt picking up my calls and eventually my calls were blocked. I realized I had been scammed. I then went to the XXXX XXXX police department to make a complain and also called XXXX Fraud line where I was informed to stop into a branch to make an official complain. I went into the Wellsfargo balance on XXXX XXXX XXXX # XXXX where I spoke to a representative named XXXX to see how I could recover my account and was told there is nothing they can do and the fraudulent account had been flagged. All I want is to recover my {$1500.00} from the fraudulent account that Wellsfargo opened.I have information of so many other accounts that Wellsfargo opened for these scammers. I have all the details of all the transactions, account information, police report and lease that XXXX sent to me.
I did not give permissable authorization for XXXX XXXX to request my credit report for a vehicle loan nor did I need or apply for financing from Capital One Auto Finance. The actions taken by this company is fraudlent and I hereby warn and give orders to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation.
Chase bank has no allow me to recover XXXX dollars that where transfer by a mistake to a wrong person, they told me that they ca n't recover my money they where alert the same second I receive the notification
XXXX XXXX reported a hard inquiry conducted by Equifax on XX/XX/XXXX from XXXX XXXX - oh. This is the second hard inquiry from XXXX on XX/XX/XXXX. The first XXXX XXXX, TX. I reported this hard inquiry to cfpb on XX/XX/XXXX. ( XXXX ). I was contacted by XXXX this morning and suggested sending a letter to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Regarding LVNV Acct # XXXX I sent them 2 certified letters 1 on XX/XX/2018 and 1 on XX/XX/2018 and I will provide the signatures for letters. The first letter I asked for them to verify this account. They didn't send me a response verifying this account and didn't note the account as disputed. So I sent a second letter stating : " You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30- day period. '' LVNV never marked my credit report as disputed even after 60 days it was still not marked which I will provide 2 credit reports to show.
I sent a request via certified mail : I am requesting the removal of a bankruptcy ( below ) on my credit report due to Civil Case No. XXXX XXXX, XXXX XXXX, XXXX XXXX, v. Equifax Information Service , LLC , I did not know the source of their information on those judgments and bankruptcies and due to this, Equifax, XXXX and XXXX has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. My request have been ignored and unfulfilled and not validated : XXXX has the phone # XXXX listed ( which is a recording stating " You have reached a none working number. '' as a source of validation on the XXXX report. I have tried to speak to Dispute dept Reps from XXXX  only to be told that they use a 3rd party to validate the Bankruptcy, but did not know the name of the 3rd party company that XXXX uses so they could not help me or remove it from my report.
My boyfriend acquired an account for cable services with XXXX XXXX back in XXXX of XXXX. In XXXX of XXXX I became an authorized user on my his account. I was told by a XXXX XXXX representative that by becoming an authorized user that I would be able to call in and make changes to his account and make payments. At no point of becoming an authorized user on his account did I provide my social security number. My boyfriend terminated his account with XXXX XXXX in XXXX XXXX. On XXXX XXXX XXXX I received an email from XXXX XXXX informing me that XXXX XXXX has put this outstanding balance onto my credit report. It shows as being responsible for {$600.00} with XXXX XXXX on both my Transunion and XXXX reports. I immediately called XXXX XXXX for an explanation as to how I, solely an authorized user could have a balance on my credit report when I was not the account holder and had NOT provided my social security number to them. The representative told me that we, we being my boyfriend and I collectively share debt. I told her that she was incorrect and that I wanted to speak to a manager or to someone to dispute these actions. She then told me that I was absolutely correct and that I do n't have an account with them ( XXXX XXXX ) and that I was only an authorized user and should n't have been charged. She then pointed me to their website to begin the dispute process.
XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX credit report showing an inquiry from Bank of America from XX/XX/XXXX that she did not authorize. While no account was established the application left a fraudulent related inquiry on her credit report. An official dispute of this inquiry was sent certified mail to Bank of America XX/XX/XXXX ; however a letter received today XX/XX/XXXX indicated Bank of American could not conduct an investigation into the matter because there was not an account number provided. Had the Bank of America fraud department actually read the information provided they would have seen we were disputing an inquiry and as such there would be no account number.

Bank of America has an obligation to first read the information provided and under the law conduct an investigation of fraud as outlined under the FCRA with reagrd to issues of ID theft.
I had XXXX PayPal prepaid cards that were supposed to link the cards together so that I could have access and my mother. The cards were on XXXX separate accounts even though the information was the same and that 's not what I was told would happen and then they cancelled the card with money on it so now my money is being held hostage there 's no way I can get to it
Starting XXXX XXXX 2015 I was not able to use my rush card to access my money due to what they called a update that was suppose to happen at XXXX and end by XXXX the same day. It end up going on for several weeks. I was locked out of my account my debit card was inactive for several weeks. My direct deposit was late. I also incurred late fees for bills that did not get paid because I have no access to my money. When I tried to call customer support I was hung up on every single time not even getting the chance to speak with anyone.
On a third party voice message system a collector from collection center in named XXXX left a voicemail for me and stated that he was a debt collector inferring that there was a debt in blatant violation of fdcpa laws
XXXX XXXX XXXX XXXX, Georgia XXXX Confirmation # XXXX Date : # XXXX 2017 As a Veteran, and a XXXX XXXX XXXX, I am deeply concerned how Equifax is mistreating me just to satisfy and placate to these collection agencies, and these reporting companies. They do not care that I got denied a V.A. loan because of them. They do not care that I have been having these problems since XXXX of this year, while they knew they were comprised through hacking back then. I have filed three different police reports. 
Since XXXX of this year, I have closed my accounts three times, and we could not figure out what was going on, but they knew, and they didnt say a mumbling word. I am paying {$19.00} per month with them just to get bamboozled, hoodwinked, and deceived all the while they are appeasing, and pacifying their clients. 
They keep saying I have more than one file with them, which is out languished at best, and criminally assault against me, at best. I have only one account with the other bureaus. This should be a clue, and proof my account has been breached and my identity stole. You all should remember I filed an identity theft report twice this year. 
The keep putting these account ( XXXX XXXXXXXX XXXX XXXX XXXX, MA, and XXXX XXXX XXXX XXXX, GA ). This is proof, Equifax is still doing underhanded, and shady business after lying to congress, and the general public stating they are not! 
I am more than willing to testify in front Congress to pull the blind off this unprofessional, and feloniously mind company.
Navient has on many occasions refused to give us the best repayment option.
They have steered us into forbearance after forbearance stating that if we didnt take it our payment would be {$1200.00} a month.     I mention ed IBR and Obamas PAYE and the y told me time and time again that we didnt qualify leaving us no choice but a forbearance.   Even with my husband out of work and my income at {$37000.00} a year they still told me my payment would be {$1200.00} a month.   It wasnt until I threatened lawsuit did they budge and finally give me a decent repayment option.   But now the year is up and they are at it again with the high repayment terms that we cant afford.   For years they have intentionally forced me into forbearance exhausting all my forbearances while refusing me a decent repayment schedule that I could afford.
I have sent requests to Navient many times to lower the interest rate to make this more affordable for me and the lender wo n't because it 's un-subsidized. I have two other loans with them that I ca n't begin repayment on because this one is too high. 

That said, whenever I have made payments over what I owe, the next payment decreases instead of them applying it to the principal to reduce the interest being paid. They have done this with each over-payment and continue to do that. The interest rate keeps increasing and there is still unpaid interest even though I have sent in hundreds over what I owe. My chief complaint is that they are misapplying funds to keep the interest as high as possible. 

XXXX - {$300.00} XXXX - {$300.00} XXXX - {$300.00} XXXX - {$300.00} XXXX {$230.00}
submitted a statement for bankruptcy account and they changed and reworded my statement now they will not let me remove statement.
I started receiving harassing calls from this number about 6 months ago. When I finally decided to try and talk to the person on the phone they told me I had a debt in collection is excess of {$500.00}. I have medical insurance and have not had any major medical costs so that number seemed unlikely even if I had missed a bill. After arguing with the person on the phone for about 20 minutes, they said there had been a mistake on my account and they were billing me twice, so my debt was actually only half of the original amount so if Id like to pay now that would be great. My radar went way up- scam? I asked for more information on the origin of the debt and the information they gave me was useless- I couldnt get enough information to call the doctors office and confirm that I had indeed missed the payment. The next time the callled I asked for a paper document itemizing the debt. They sent me a letter with no real information on it- original debt? Interest charged? Creditor name? On the letter they gave me a website I could go to and pay my debt. When I try to log in, given the log in information that gave me, it says that my account could not be located. So now, Im sure I am accruing more interest because I will not give my cc over the phone and I can not log in to the portal provided. I still can to figure out the doctors office that it is coming from either.
XXXX XXXX won a home from me in court, but he failed to refinance the joint mortgage before he stopped making payments. The mortgage company did not send me any statements or provide any notice, they reported me to all XXXX credit reporting agencies as failure to pay. XXXX settled the account satisfactorally by sort sale, but my credit report has n't been updated to reflect a positive outcome.
FINAL NOTICE PRIOR TO FILING SUIT ON XX/XX/XXXX I have disputed this account with XXXX, XXXX, XXXX, and experian has been dispute several times in the last 120 days with no validation provided to me that this is my account, XXXX wont respond but with an itemized statement. 

The FCT opinion letter does not consider itemized statement to be validation, neither does the courts, it also does not consider 3 party systems as validation neither does the courts its hear say, the only documents considered as validation is a contract or agreement tha has the creditors name, the amount agreed upon and my signature. 

i have all these company 's to provide this document after there investigation if they declare its validated, then XXXX, XXXX and Experian are require by law to provide directly to me the information use to validate account, that includes the person they talk to address, phone number and document provided to them as proof in which neither of these has been done, i believe at this time they are reporting in bad faith and profiting on un-validate account at this time if its not resolve by time i file in court i will not withdraw my suit and the courts will render there decision i will aslo file for {$2500.00} against each credit report company. 
they have till XX/XX/XXXX to validate and provided me with documents for they have had plenty of time to have this proof on hand.
This company is illegally pursuing a debt by threatening to damage my credit by placing false accounts in collections. i have contacted them and sent over proof of court statements certified from a judge they are breaking the law and trying to collect extra money that is not owed. the manager is very rude and does not pick up the phone. i called multiple time and they refuse to answer.
XXXX XXXX, a loan officer for guaranteedrate.com quoted a mortgage loan to me over the phone that would come to a total closing cost of {$8500.00}. When I received the loan estimate, it showed that we would have to pay {$11000.00} in closing costs. Because the costs of the loan were much different on paper than what XXXX had quoted me over the phone, I did not sign any papers authorizing his company to go forward with the loan. I immediately requested that all services be cancelled so that we would not be charged for any services from guaranteedrate.com. However, XXXX claims that I owe his company {$150.00} for an application fee and {$300.00} for the appraisal of the home. However our real estate agent and the seller 's real estate agent both confirm that no appraisal of the home has been conducted. Nor were they contacted by any appraiser so that they could begin working with the property.
OnXX/XX/XXXXI received a " Notice to Home Loan Applicant '' stating that my credit score from Equifax was XXXX I was told that " key factors that adversely affect your Equifax credit score '' are " XXXX TOO MANY INQUIRIES IN THE LAST 12 MONTHS. XXXX AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH. XXXX PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH. XXXX PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS. '' I requested a free credit report from Equifax and received it XX/XX/XXXXI then called Equifax. I said that I wanted to understand why they thought I had too many inquiries. What was too many? In one year there have been 3, in two years 5. They would not explain what was too many or why. 

I asked what amount was too high for revolving accounts. She merely read me the current balances. I explained that I paid off all balances every month. What could possibly be too high? 

As for " proportions, '' she could not explain anything other than to say credit scores change every day. I went on to their site to start an online dispute. The only thing you can dispute is factual data, which i do not dispute. I want to dispute the credit score itself and can find no one to explain any " adverse factors '' on my report. 

When I asked to speak to someone else who could explain what information in my credit report was adversely affecting my credit score, she said I could call back and talk to someone else.
I contact Ocwen Mortgage in XX/XX/2018 because I was having some financial difficulty. They set me up on a repayment plan in which I have made all payments on time. Ocwen has been reporting me on all three credit agencies as 60 days late. Ocwen never disclosed that if I opted for the repayment plan I would be considered late and that would be report to the credit bureaus as late. I feel that was unfair and they did not provide informed consent. I contacted Ocwen several times to no avail
My XXXX XXXX XXXX credit card # : XXXX and my XXXX XXXX XXXX  XXXX XXXX credit card # : XXXX is lost/stolen, and all the transactions on my credit card accounts is fraudulent transactions.