WillisBack/dataset-financial-user-claim huggingface dataset:
I received an alert that my Citibank credit card account had been compromised and to call them ASAP. When I called, I was told that a vendor I had used had been hacked and that my number was on the list of stolen numbers, and that my card should be shut down immediately. But they would n't tell me which vendor, and then they refused to send me the replacement card before closing the account -- which is incredibly inconvenient because I have many automated payments scheduled. I do n't see why they ca n't send out the replacement card with the new number before closing the old card, that would be more convenient for customers ( especially when we 're not responsible for this fraud in the first place ).
I was robbed at an ATM while XXXX, the XXXX can be seen in the camera footage. I requested that the bank review this information and help me recover any costs or proceed with police complains, they did not, and did not show any proof that they attempted to resolve the issue in any meaningful way.
Signed contract in XX/XX/XXXX with XXXX attorneys for Portfolio Recovery Associates for reduced debt owed which have been paid in full according to contract agreed upon ( see attached ). Wrote to the attorneys in XX/XX/XXXX stating not only had I paid off the agreed to amount but had actually had overpaid by {$1100.00}. Asked for refund of over payment and told them that I would no longer be making payments since I was n't contractually obligated to. Now, suddenly Portfolio is calling my job, home ( and who knows where else ) leaving no messages. They are now calling my daughter 's cell phone repeatedly ( everyday for the last two weeks from different phone numbers ). I am at my wits end with these people and its becoming a major disruption that I have to again deal with something that was should have been resolved. Thank you for your help.
I submitted my assumption application on a townhouse that my ex had lived in. He moved out at the beginning of XXXX XXXX. I started paying the mortgage on XXXX XXXX. After extensive repairs I submitted my assumption application to OCWEN mortgage company. The assumption application stated the transaction ( closing ) would take about 4 to 6 weeks. On week 6 I called for a status to be told the assumption department was running behind in its processing and it should not take long. On week 8 I called for another status and was told by the processor that the underwriter had the paper work and I should have an answer soon. I explained that I wanted to purchase another vehicle and I was waiting for the closing to go through before moving forward. The underwriter said it will not impact my credit report because it had been pulled and submitted already so it would be fine to purchase another vehicle. On week 11 I called and asked for a status on the application and the processor said he needed additional information such as where I worked, copy of pay stubs and new bank statements. All of which I had submitted before. I was promised that I would have an answer within days. On week 12 I called back again and there is no status. I have been paying the mortgage on the property since  XXXX XXXX.
Equifax continues to report inaccurate, unvalidated information to my credit file. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.
I recently sold a product on-line ( I-Phone ) and the person who bought my product sent me a check for {$2000.00} to cover the amount plus sent the rest off to his family in Georgia as he was in the service. Nice person I am I agreed and deposited the check into my account on XXXX XXXX, {$400.00} was due to me right away and the {$1600.00} remaining the next day. I went ahead and got the {$400.00} and waited til next day to collect the {$1600.00}. The next day was a Saturday and I asked the teller if the check was ok, meaning was it a valid check/ any fraud? he said its ok you can take the money so I did and XXXX XXXX the cash to Georgia and thought I did a great thing considering my grandpa just passed days ago but I wanted to finish the agreement of the cash so i did.I should of went with my gut telling me these people were scamming me?! I had instructions after I got the money out as where to send the rest of the money ( yes I am that nice! ) I received a letter in the mail weeks later saying the bank took the {$2000.00} from my acct as they could not verify that check was valid.I called Customer service and they said I should have waited til a business day which was a Monday to make sure it was not fraud, Well the teller should of told me that before I took the CASH!!! now I am out my emergency savings!! I think the bank should give me some of my cash back and tell a customer these issues before taking that much cash out! I filed a report to the local Police as well and nothing so far.
XXXX/XXXX/XXXX three direct deposits were made to my checking account. Once made my available valance was shown as {$390.00}. 

At which time I withdrew {$200.00} from my account via the bank atm. 

After the withdraw my account balance showed XXXX XXXX.Which should have been accurate. However the next day I noticed a {$35.00} charge on my account for unavailable funds. 

The banking representative said while it may have shown I had the available balance, and by the way such deposits via direct deposit have always been available immediately in the past, I was told that the bank would not return the fee since while the account showed an available balance it was n't really available and was being processed on XXXX/XXXX/XXXX.
My loan was sold to Carrington Mortgage Services by XXXX XXXX XXXX effective XXXX XXXX, 2015. Prior to the sale of my loan, I was provided with my yearly escrow analysis which explained that my mortage payment would increase by approximately {$30.00} per month. This seemed like a large increase, so I did my research and found out that my taxes and insurance did increase so the increased escrow payment was justified. Fast forward to XXXX 2015. I am now an unwilling customer of Carrington Mortgage Services. I received a new escrow analysis from Carrington stating that my mortgage payment would increase {$120.00} per month OVER the increase that XXXX XXXX XXXX had already implemented. I lookled up my taxes, insurance, principal and interest amounts for each month and came up with exactly what XXXX XXXX XXXX was going to raise my payment to. {$1200.00} per month. I called Carrinton XXXX and was on hold for XXXX+ minutes each time. And while both employees were courteous, I was eventually told that they could " cushion '' my escrow however much they want and I have no recourse. So my payment is now {$1300.00}. This is unacceptable. I did not agree to these terms and will not pay this. It is appalling that I now have to deal with a company that I did not choose and who can change the terms that I legally agreed to with XXXX XXXX XXXX.
Myself and my children are receiving calls from a company that they identify themselves as First Recovery Services/Solutions. They state it is in reference to claim number XXXX and they have my complete social security number. They state I may clear the debt up with a credit card number for the amount of {$590.00} or court proceedings will commence. I have requested paperwork for the claim and they state I already have it, I do n't. They state it is for a Pay Day Loan Advance that I took out online, I did not obtain a pay day advance. I ask for their address all the information they will tell me is that they are located in XXXX, FL. The calls are from several different XXXX numbers. XXXX, XXXX to name a few.
Hello to whom it may concern, Under the new law effective XXXX XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time XXXX equifax nor XXXX is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless
This started with an email offering me a work from home job and they would supply the computer, printer and the software required. This person started sending me e-checks starting on XX/XX/XXXX. I was instructed to deposit these into my checking via scanning checks into my account. I was then instructed to wire different amounts to individuals who were " setting up the computer, purchasing software, etc ''. I received 5 electronic checks over the course of 6 days again depositing them into my checking. I saw that my bank did n't process them overnight so I was transferring money from my savings account into my checking so that my wire transfers would not cause an overdraft. I first called my bank on Wednesday, XX/XX/XXXX asking why the delay in cashing the checks I deposited and was told they have up to 5 days to process them. On Friday XX/XX/XXXXI called the bank again and they finally told me that the checks that I deposited were counterfeit. By then my savings was empty and so was my checking account. The bank never called me and I got a letter in the mail about one check being rejected and then on Monday XX/XX/XXXX I got a letter about another check being rejected. This was too late. I am broke. I went to the bank on XX/XX/XXXX and they said there is nothing they can do. I feel like the bank should have called me as soon as they noticed anything out of the norm with these checks.
My bank continues to charge me overdraft fees even though I refused to opt in to such a " service ''. I was under the impression ( please correct me if I 'm wrong as I am no expert ) that unless I set an account to automatically withdraw from my account ( currently only my Landlord and XXXX do so ) that they were not legally allowed to do so unless I opted into such a " service ''. I most certainly did not. Please help.
My original consolidated loan was {$42000.00}. In hard economic times as I fell behind in my payments I would get calls in the morning, afternoon, evening and even wee hours of the night from extremely rude individuals from the other side of the world. I was called a deadbeat ( imagine that with a XXXX accent. Against threat after threat of default and the devastation that would ensue I was convinced to defer ... defer ... ..defer. A move that would add outstanding interest into the loan amount and assault me at 8 %. My current loan balance is {$140000.00}. 
I wrote the executive level of Then Sallie Mae and I received a phone call from a woman ( her name escapes me ) who told me regarding the tripling of my loan in interest ( by the by, I am paying interest on interest, on interest at this point ) " XXXX, it 's like paying off a house mortgage. '' Baffled by her ignorance I replied, " Hence you get to XXXX me in interest for the rest of my life and I have nothing to sell to retire on ''. 
I entered the IBP program with the understanding that 10 in years ( as described by a Sallie Mae employee ) I would be eligible for " forgiveness '' : On a yearly basis I would call in to reapply for IBR and would reconfirm that I was a year closer to the ability to apply for " forgiveness ''. Last year, as I approached my 10th year of IBR, when I called in for the application for IBR I asked the associate how I start the forgiveness process. She confirmed that I was at the cusp of being able to apply and that she would send me the application and forms to fill out via email. 2 days went by now email. A week went by no email. I called back and again was told I would receive the forms via email. Once again, no email. 
After months of phone calls and finally reaching the office of the advocate ( who quite frankly only advocate for their CEO ) I was told, very rudely, that I was in a 25 year IBR program and basically I was an XXXX for not knowing that. 
I assume you can imagine my disdain for Sallie Mae, XXXX or any other predatory lending institution that hide behind legislation to interest XXXX American citizens with deceit and hard interest rates. 
Of course to add insult to injury, I earn slight too much annually to write off my interest paid on my annual taxes, the amount is a ridiculously low threshold for thse of us living in XXXX. 
Thank you for listening.
XXXX equifax and XXXX have dropped my fios score by 8 points I have never had a late payment, balances have been reduced was 138 now 130, no new inquires, tried to reach all 3 with disputes, all will not answer, hing changed in my credit report, please help
Equifax has been reporting false information on my credit report since XXXX XXXX that has prevented me from renting an apartment. They have XXXX collections listed from XXXX XXXX XXXX / XXXX. This information was previously deleted via a dispute in XXXX XXXX. Equifax continuously states that the company ( XXXX ) is verifying the information that account belongs to me but fails to provide any proof of the alleged debt and method of verification. I have sent in documents directly to Equifax showing that the account that is reporting the information does not match to what XXXX is claiming and the original creditor is XXXX XXXX and it does not match that of XXXX. I have requested a signed contract that has my signature showing that I agreed to terms with XXXX communities which both Equifax and XXXX have failed to provide ( because it does not exist ) yet both Equifax and XXXX do not provide any additional proof and these XXXX negative collection entries remain on my credit report.
on XXXX XXXX 2015 and letter was sent out from XXXX about a debt with capital one they said i owe, i received the paperwork around XXXX XXXX 2015 i did reply to say that the debt was paid for in bankruptcy ..but i never heard any thing else from them, they did n't say well ok or anything they just tryed to sever me in XXXX with paper work but i was never home, not until XXXX this year that had tacted on my door..and i found out they been trying to serve me since last XXXX, so they did try to validate the debt, from the paper work they serve me with, they had already got and affidavit sign on XXXX XXXX 2015 from the time they sent me the letter that i got XXXX XXXX, then i had to response back to them, they did n't even take 30 days to validate the debt i wounded had until the XXXX to response, had i not, but i did response right back and they ignore my letter, and i thought they where to stop collecting until they validate the date and send me some kind of correspondence, in stead they where getting affidavit to attached to the court papers, i never heard back from them, then i asked where they debt collector when i was in court last week, they said they where employee by capital one, but i said the paper work said you are debt collector attempting to collect a debt, they are lying about there identity i hope you can help me get to the bottom of this
My name is XXXX XXXX and I am having trouble getting my mortgage company to admit their mistakes on paying my insurance dues for my property. Their mistake has now cost me additional insurance fee 's that add up to roughly 600 $ a month on my mortgage payment. I received a call from my insurance company in XXXX of 2018 that my policy was about to cancel since my mortgage company will not pay invoice ( my acct is escrowed for tax's/insurance ). My insurance agency said they have not been able to get this resolved after a few attempts. I got involved and called my mortgage company and they said they would pay the insurance fee 's. This did not happen, I received calls from my mortgage company and insurance company again that they were still working the issue. This went on for a few weeks until I had 2 weeks before my policy canceled due to lack of payment. I went to the insurance company and we called the mortgage company together to get resolved. When I left the insurance company I was promised a call from the mortgage company if it was not resolved, never received the call until after the policy was cancelled. My insurance company and myself went out of our way to get this paid, even though it should be the mortgage company since I pay them to manage my expenses. The Mortgage company added a temporary policy that is ridiculous in cost due to their mistake of not making invoice until after the policy cancelled. I requested multiple manager call backs from my mortgage company and never received any. I finally had to call the director of Regulatory affairs ( XXXX XXXX ) so he could help my get an investigation going. I received the investigation findings from the Mortgage company and basically they said it was my fault cause they showed they tried contacting me and I did not answer??? I have proof from my insurance company they invoiced my mortgage lender a few weeks before the policy cancelled and they reached out multiple times but my lender never followed up as they promised to pay my insurance fee 's. I have proof of the multiple calls I made and the insurance team to get this resolved and invoices made from my insurance team prior to cancellation. Not sure why I'm at fault, pls help Mortgage- Cornerstone Lending NJ branch Supervisors I spoke with prior to cancellation- XXXX, XXXX, XXXX. Other departments I reached out to for help- XXXX XXXX , XXXX XXXX in the Regulatory Affairs group. 
Insurance Agent- XXXX XXXX XXXX XXXX . Agent is XXXX that I worked with throughout this process. She also has proof of invoice and calls, emails, etc. 
Property address- XXXX XXXX, XXXX XXXX TX , XXXX I was advised by my legal representative to file this complaint with your organization as the first step. Hoping Cornerstone will finally acknowledge their mistake and wave the added fee 's. If not, we will move forward with an attorney and it will cost Cornerstone much more than they expect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
I have spent over XXXX total hours of phone time, 1 hour of travel time, faxing VALID documentation on a debt which needed to be DELETED from my credit file, per the request of Equifax 's supervisors. I 'm in the middle of underwriting for a home mortgage and had a debt appear on my report, which was an ERROR on behalf of XXXX. 

XXXX submitted their error and request to have it DELETED from my report, TO ALL XXXX credit agencies, Control Number XXXX on XXXX XXXX at XXXX XXXX CST. ALL CREDIT AGENCIES need to delete it from their reporting. However, I need the reporting expedited due to the fact my underwriting is happening NOW. Transunion and Experian took care of the matter within 24 hours of notification. They were both very customer friendly and understood the urgency of my request. They appeared to care about my situation and knew it was n't something I should have experienced. 

I spent hours working a circle with XXXX, their internal collections agency, and then back to XXXX. I received a letter for my lender advising this was XXXX 's error. Equifax told me to fax them the letter at XXXX. I did this at XXXX XXXX. Equifax also received the info at the same time as all other agencies. When I called, after spending an hour on hold and another 30 minutes talking to a " Supervisor, '' Equifax was completely noncompliant. They would not help me. When I asked to talk to another manager, I was told I could not. 

Every hour I spend taking care of an issue on my credit report, which should never have appeared on it in the first place, has cost me time and money. I '' m XXXX. If I 'm not in front of a client, I 'm not selling. If I do n't get this removed from my report, I lose this house, I lose {$4200.00} in earnest money, there are several people impacted from an emotional and financial situation and all because Equifax wo n't delete the erroneous information and they 've received PROPER AND PROMPT documentation. 

I should n't have to go through all these hoops, to have something deleted ... all due to an error by a company. Why is Equifax doing this and making it so difficult, when the XXXX and XXXX can do it -- with the SAME DOCUMENTATION, and they understood the urgency? Why should a consumer have such a difficult time to remove something which is n't their fault, all because a company willingly chooses to be NON COMPLIANT? 

I can not spend anymore time on the phone fighting for Equifax to DELETE XXXX from my report, this report directly impacts my credit SCORE, and I need someone to fight for my rights as a consumer. This is absurd, when I 'm doing all the right things and this situation was a billing ERROR on the part of XXXX. Equifax 's experience is leaving me emotionally, mentally, and physically distressed -- -over an ERROR. Please help. 

The letter from XXXX is attached. All I asked of each agency is to DELETE it so my lender will write the loan. Its not that difficult.
This is very simple, but seems to be complex. I had a mortgage with Wells Fargo for 11 years, and never missed a payment. I refinanced XX/XX/XXXX, and have had this mortgage with Wells Fargo for over a year, and never missed a payment. So far, so good, right? I can not get XXXX or XXXX to reflect that the XXXX Mortgage was for 11 years ... .they show the dates, but on XXXX , neither XXXX or XXXX show 11 years credit, and that is what I need on my report ... .longevity is important to show my good history. 
Wells Fargo show the years XXXX-XXXX, but the XXXX are not showing.
Filled a complaint on XXXX/XXXX/2015 ( XXXX ) and have been trying to get a hold of my Personnel account Manager to find out status with No return Phone call on at least XXXX attempts ( unacceptable ). 
Today i checked the CFPB for a update and see a update was sent by Mail, which I did not get because they did not put my apartment number on my mailing address which they had at XXXX time but seemed to have miss placed that as well. It Should Be XXXX.Also My credit has been damaged by this and am requesting them to Repair this as well with no response at all. The problem they had was bigger than them saying insurance was not in place. that only came late in the conversations i did have with them and it was supplied to them. It does not explain why they said my payments were {$16000.00} per month and I was a month behind ( how do you explain that ). Requested at least 7 Times to talk to a supervisor or have one call me and that never happen. I can not even get my XXXX on the phone I know they record all theses conversation so there is a record of everything i am saying. I tried again this morning to contact my XXXX XXXX XXXX other agents are not allowed to handle your complaints and they are not available and no supervisor will ever call you back. Worst customer service set up i have ever experienced. I am requesting thru you to have my Apartment number of XXXX added to my address. Also to have credit agencies contacted and repair my credit.Maybe you can get them to respond.
I am a victim of identity theft and been a victim of identity theft for quite some time. Someone stole my personal information and identity to open 2 personal loan accounts that are fraudulent and unauthorized. The following personal loan accounts do n't belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX, Loan Number : XXXX, XXXX By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX ) XXXX, Loan Number : XXXX