WillisBack/dataset-financial-user-claim huggingface dataset:
I have a previous issue with XXXX XXXX, XXXX, and Equifax. There has been several issues with this account. XXXX does not own this account I have contact the corporate office of accounts, there was no account found to update. Somewhere there is a disconnect in information and communication. I am failing to understand how there can be an updated on an account when XXXX is claiming they do not have the account in their office. I do not believe that XXXX XXXX, XXXX  and Equifax have actually done any type of simple or detail investigation. I have asked to have the status deleted from my profile deleted not updated with a bogus balance adjustment. This account need to be deleted until further noticed and proper noticed can be account for.
On XXXX Monday XXXX at XXXX XXXX sharp I contact true XXXX number my bank to stop payment in cheque for amount XXXX, lady in bank informe it 's 15 por cheque, I request to make for 2 cheque number XXXX y XXXX i did n't remember which that exactly, bank go with my request and charge me 30 for 2 spot payment. On XXXX XXXX late afternoon, amount XXXX was deductible from account, again I contact my bank, they informe transaction was pending but they will denied because stop payment I make, but they will give me temporal credit until my transaction. By this cheque was no pay, return with Forgery logo in cheque, by this asume my money will be ok my account. On XXXX XXXX cheque was present in bank branch of XXXX florida locacin, was pay, even they cheque has a forgery stamp, I oready pay to do n't pay cheque. I contact bank, they keep changing open and close new case, also speak manager in that branch they said they present another cheque number, I never order cheque in my account, this 2 cheque I did autorize and be charged for stop payment was they cheque that u get went u open account, so by this there 's probe I do n't write cheque, because simple I do n't have more cheque. Att. XXXX XXXX XXXX XXXX
This complaint is against PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. This company continues to report inaccurate information to the credit reporting agencies. I have sent several letters requesting physical evidence confirming that I owe the company such debt, specifically any paperwork with my signature agreeing to pay such debt. Their response is either copies of some statement with my name on it ( which can easily be made with PDF editing software ) or simply a letter stating that I have to provide evidence to support that they are reporting false information to the credit bureaus. The burden of proof is on them but they refuse to provide the documentation I requested claiming that they received an electronic file when the debt was purchased. This needs to stop! This company has made a mess of my life having false, unverified information on my credit reports which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance. I have, as a consumer, requested for validation of my debt on these accounts : XXXX, XXXX and XXXX and so far my requests have not been answered.
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX for XXXX  and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.
Sent notice offering option to pay online. Input all information but site would not accept payment. Tried XXXX times with different credit cards but still would not work. All info in website states enter " Credit Card '' type of " Credit Card ''. When I finally called and got a live person I was told that they only accept debit cards or checks for this client. I have wasted hours going in circles to find out that the company IC System , Inc. in XXXX XXXX, MN XXXX intentionally wastes peoples time by not giving accurate information. The DO NOT state anywhere that you can only use a debit card or check to pay them.
Our house flooded and and insurance cut the check to my wife and shell point. We paid everything in full out of our pockets. They came and did an inspection of the completion and still have n't realesed any of our {$30000.00} check. They keep giving us the run around and we do n't know watt else to do.
Apparently I had a credit card from XXXX visa back in 2008. I know for sure my credit limit was no more then {$500.00}. I received a letter from the city clerk of the city north tonawanda XXXX XXXX of niagara today saying I 've been sued for {$3100.00}. They stated I have 20 days to make first payment, which is XXXX % of my total wages or their gon na contact my employer and go through them. I 've Google the credit card company XXXX, who I apparently had soo long ago, 8+ years ago and I found out this is happening to so many people. This company went bankrupt in 2008. Please I need help resolving this asap. 
Thank you, XXXX
I recently open a Chase Slate card and for two months never received my statement or credit card. Each month I called and had a representative take the payment. Last month I again did this, second time since I had the card. The representative stated that it would be waived and the credit would appear on the next statement. Note that the late fee was waived once before due to not receiving a card or statement. I went to pay my bill tonight and the {$27.00} charge is still on the bill. After talking to a representative and escalating to a supervisor I was told that I never spoke to a representative and used the automated system. Even though the payment was made on the due date since it was made at XXXX it did not post in time. The problem is that in order to use the automated system I would need an account number which I did not have. I never used the automated system. They have refused to waive the {$27.00} as promised by the representative last month. I have been with Chase for 13 years as a mortgage customer and recently paid off my mortgage in full. The {$27.00} is not the issue here, it is the principal of the matter. Chase must be held accountable for their word. I have lost total consumer trust in what any of their representatives say and tonight they basically called my a liar. 

XXXX XXXX.
I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX   has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XXXX  of XX/XX/XXXX they would report all four student loans as an immediate 90-days late, then 120-days late for two months, then back to paid on time. Then once again starting in XXXX  of XX/XX/XXXX they would report all loans as 90-days late, all the way up to 180-days late, then a paid on time rating. Now starting in XXXX XX/XX/XXXX they once again report all loans as 90-days late up to 120-days late, then back to paid on time. At no time is there ever a 30-days late or 60-days late. XXXX XXXX XXXX is destroying my credit history, even though I make my payments on time every month. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, XXXX  of Massachusetts next. I need my payment history fixed immediately!!!
My mortgage was financed by Nationstar. 
I contacted this company several times to give my attorney what he needed in order to close on this property. 
He called them asking for a DEED assignment, and he was told he would receive an email. He contacted them for Several days and still nothing. He finally contacted me again to see if Nationstar would just send it to me. I was told they had it on file but would need to contact the dept that had this document. I contacted them again, asking, begging, for this document so I could close on my house, and they had the nerve to give me another website to visit to obtain this Deed ... CAN YOU BELIEVE THIS! To this day, it has been several weeks, and I still do not have from Nationstar what I requested. This has been a nightmare. Selling your home, and paying off a mortgage should be a GREAT experience, but Nationstar made this so difficult for me! I will never do business with this company again! Please run, and not walk from this company!
An agent approved me to use a credit card to pay off my students loan as long as it was paid off within 90 days. She stated the pay off amount would be honored for two weeks. I called one week later to give credit card info and the agent told me they were no longer accepting credit cards.
This is in regards to the navy federal case. I spoke to customer service because I missed 2 calls today. I was told by the customer service supervisor this would not be resolved in my favor. They are done reviewing it. I sent so much information that was new plus the fact my mom XXXX XXXX passed away they dont even want a death certificate. Once again no help. This company is horrible I need to know who to take it to next. This is a corrupt credit union. I am trying to prove that. Please publish this case for all to see. I've been fighting for at least 2 years. I am telling the truth in each case. I wont stop until they resolve this. They are keeping it in house to make me pay instead of charging it off. I am not paying for I'd theft and the fact the cosigner died and they dont care.
Working with XXXX XXXX to remove. XXXX 's put false information onb my credit report after failing to withdraw {$25.00} from my account in nJan 2015. I called XXXX XXXX and paid {$27.00} and the XXXX credit rep said no deliquency would be put on account.
I was never given the right to dispute by XXXX XXXX. I have went to the BBB and this company has failed to provide proof that the debt belongs to me. I completed a transfer of ownership over two years ago and was told that services were n't even rendered because they could n't get a signal to provide service because of trees by a field representative that called me in error. I contacted XXXX and told them that I transfered the account and that the account should no longer be in my name I was given an email address to send a email and after I sent the email the company kept the account open to incur charges in my name for services they did n't render.
I live in Texas in an area effected by XXXX XXXX. My mortgage company, Ocwen called me in lieu of this disaster and offered me a disaster forbearance. I was told at the time of the forbearance that there were no criteria or qualifications for the forbearance except to request it. Repayment on this forbearance were set to start in XX/XX/2018, but Ocwen had not completed the review of the of the application for the forbearance. I was told to wait until the review was approved to make payments. Each month that went by Ocwen 's website changed my payment date to the next month indicating no payment is currently due. I was called in XXXX and told that I did not qualify for the disaster forbearance and was not given a reason why. I spoke with several representatives and they were all confused as to why I had not been approved as I was repeatedly told, they didn't know why it wasn't approved as there was no requirements for documentation of income or anything needed, it should have been approved. I was told at this time that Ocwen would request a traditional modification and I needed to submit documents for this purpose. I have submitted all necessary documents. I attempted to submit a payment to them on today XX/XX/2018 and the payment was refused and I was told that they could not submit a payment d/t the account being behind. I was told that my account would not be late or counted against me until the review was complete. I feel as if the assistance that was provided for me was to get me into a vulnerable state and then try to foreclose on my home.
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X , 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender has failed to respond to our QWR and Notice of error request sent on  XXXX 2017 and are proceeding to sale set for   XXXX  /17 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and  the clients right to counsel.
I have an acct from this company that is not mine its fradulent and reporting on my credit file and is in collections that needs to be removed
I wanted to pay off my student loans. Navient was paid XXXX dollars to settle the loan in XX/XX/XXXX. I thought Navient was part of XXXX but they took over XXXX XXXX. I have documentation that all my loans were paid in full XX/XX/XXXX. I have the documents that were sent in the mail. I have sent those documents to Navient and they were suppose to look everything over and have a decision in 30 days. I sent the information through an email on XXXX XXXX. XXXX XXXX I resent the email because they said they did n't get it. I made sure they received it this time. Each time I call they say they do n't have the email and then find it. They resubmit my information and tell me I will have to wait another 7 to 10 days. This has happened several times. I have proof that they need to return the XXXX since this loan was already taken care of XX/XX/XXXX.
Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to account # XXXXPlease be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. 

The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 

In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. 

The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.
I am an XXXX XXXX currently living in California. Coinbase is not letting me withdraw my funds or do anything with my money in my USD wallet on its website after a successful deposit. It keeps asking for my SSN and says that I can withdraw my funds and close my account if I do not want to provide it. Since I do not have an SSN, instead, I only have a drivers license, I chose to close my account and withdraw my money. However, in the withdrawing page right before closing my account, it asks for my SSN again in order to withdraw the funds. That 's the problem since I wanted to close my account and withdraw my funds because I do not have SSN! I contacted their support for so many times and they never reply email or do anything.
I informed company acct is my moms but I did help her to get her furniture for her house but she lost her job due to not being able to work anymore as a results of her health and I was struggling to make ends meet company constantly calls my phone 10-20 times a day for the payment but I cant afford all of her bills plus my own and they aren't willing to help with payment arrangements or anything its really frustrating and they keep threatening with the local sheriff dept to come out to my mom home and take her furniture
I applied for a refinance through Quicken Loans. I provided all the documents requested by their initial loan originator. They pulled my credit, received my XXXX and last two years XXXX and recent paycheck studs and I met their requirements to complete an application. They asked me to pay {$400.00} up front for the appraisal. I did. They locked me in with an agreed upon interest rate. I went through the entire process and was about to close when they decided that they were not comfortable my current job status as an contract engineer and at that time wanted to see that my contract would not end for another 3 years, even though I was a XXXX employee and provided that information upfront. I want my {$400.00} refunded.
My account was transferred from one loan servicer to another. The original servicer did not apply the final payment and I'm being harassed when in fact I am a month ahead on my payments. Please see attachments.
XXXX XXXX is not accurate. That account was closed, it is not delinquent.
I was victim of identity theft. Some accounts were opened, and managed without my authorization. XXXX, acct # XXXX. I have already submitted an identity theft affidavit, signed and notarized by me, as well as police report, and other supporting documentation, validating my claim. Equifax has chosen to violated section 605, as well as 611 of the FCRA, by not complying with my request. I did n't incur these charges, nor did I opened any of these accounts. I should n't have to pay for any of these. My credit is ruined due to some individual that has no remorse, and any ethics. I am now paying for this sins.
In  XXXX  of  XXXX , I purchased a  XXXX   XXXX   XXXX . The loan holder, is  Santander USA . During the life of the loan, late payments were submitted and I requested   XXXX   deferments which understandably extended the life of the loan. In reviewing the contract it states that if a payment is late, the customer is required to pay 5 % of the payment that is late.   My car payments are {$360.00} per month. Santander claims that interest accrues daily and additional interest accrued due to the late payments. However, the contract does not indicate this. Furthermore I have never received written documentation supporting their claims. Presently, my account is current. On  XXXX   XXXX ,  XXXX , I contacted Santander to clear up all fees reflected on my account.. {$210.00} in late fees and a {$20.00} misc.fee. I paid an additional {$10.00} for the representative to process the payment. Thinking that the payment was applied to the late fees, I called and found out that it was not. Three additional calls was made and the payment was not applied. I was informed a supervisor would return my call ; and of course they did not. It was not until my fourth attempt that I was told that a request was forwarded to Santander 's accounting department to apply the payment towards the fees and to wa it 48 to 72 hours for   the adjustment. This incident is noted in my complaint to be used an example of the lack of, professionalism so within this corporation. However, during the call, I asked the representative, whose service was far more professional than usual. I asked her the same question that I have been asking over several months, and no one seems or wants to answer. My question : To satisfy the loan, when is the last payment to be submitted? Her answer :  XXXX   XXXX ????? How? My payments are current and not in arrears. Although their system reflects that my maturity date is  XXXX   XXXX , that date includes the requsted deferments, how do they substantiate the additional 10 months of payments? A previous complaint was previously submitted to the Better Business Bureau where no resolution was made. Other than late fees which amounted to {$210.00}, why should Santander receive an additional {$3600.00} give or take due to late payments? As of the beginning of  XXXX   XXXX , my remaining principle balance was {$8700.00}. Why?  Santander h as been applying my money to satisfy unexplained interest fees rather than applying the money to my principle balance. At this point in the loan, they have received above the requested amount of interest that is stated in the contract.