WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained a XXXX XXXX in early XX/XX/XXXX. I called at the beginning of XX/XX/XXXX to report my card had been stolen. I called within the required time frame and I was told by the company that they would send me an affidavit to fill out, notarize, and send in. Since then, I called three more times to express my disappointment in not receiving the affidavit and in fact, receiving continued bill notifications and a late fee instead. I made a payment of {$80.00} only because the service representative said it was necessary due to the yearly fee of {$75.00}. Both representatives during two calls indicated that the late fees would be waived. After that payment, I received another notice of a supposed late payment and the company 's possible intention of sending me to collections. In XX/XX/XXXX, I received an email stating that my bill was ready to view online, but since I reported the stolen card, I have not been able to access my account online. Since then, I received another notice that my account was past due. And now the company, XXXX XXXX, that controls this credit card, has reported me to the credit bureaus with claims of late payments on a stolen card. 
Yet, I have still not received the affidavit form. I have every intention of filling it out to dispute the charges made, as specified in my first two, now three calls. I do not intend on making payments on the account based upon these charges. I do not understand why it seems your agency is so readily able to send me bills and late charge notices, but can not get me the required affidavit to pursue the disputed charges. Now my credit has been very negatively affected.
Equifax data breach. My personal information was leaked due to poor security measures by the company. Per Equifax, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Scottrade allowed XXXX XXXX customers to have their personal information exposed in a database breach because Scottrade ignored warnings of cybersecurity incompetence and failed to encrypt any data. 

I personally submitted to Scottrade and the SEC instructions and detailed information about how their security procedures were inadequate. Specifically, the insecure databases and unencrypted authentication information. 

I would now like to report failures of Scottrade in regards to money controls, money transfers, and XXXX deficiencies. Specifically, if you review the attached, Scottrade has no effective policies to prevent money laundering or flag highly suspicious transactions, thus it is very easy to use Scottrade to launder and transfer enormous amounts of illicit money. 

I kindly request the CFPB and Scottrade review the attached. It would be unfortunate for Scottrade to once again ignore tips of failed security techniques and once again leave customers vulnerable.
My loans were distributed on XX/XX/XXXX in the amount of {$160000.00}. Loans were from multiple sources for my XXXX at XXXX University and XXXX XXXX at XXXX XXXX XXXX. They were consolidated into 2 accounts by NAVIENT for repayment. My current balance is {$190000.00}, which is an increase from my original loan, even though I have made payments. As of XX/XX/XXXX, I have made 58 payments to NAVIENT totaling {$45000.00}. After 58 payments my balance has not gone down, but up. This did not make sense, until I exported my payment history into a spreadsheet to figure out how this is possible. As I looked at the math on the spreadsheet, it became clear that out of {$45000.00}, only {$8700.00} went towards the principal, {$34000.00} went towards interest, and {$1300.00} went to late fees. The other shady part of this loan is that during the times I asked for student deferral while in class, NAVIENT would not only charge me interest, but also capitalize it. Which really means double dipping. Basically any amount late after 30 days was added back to the principal loan amount. For me thats {$36000.00} that was added back into the loan balance. Remember my paid in amount of {$45000.00} ; {$34000.00} interest and {$1300.00} fees= {$36000.00}? Notice how even though I paid {$36000.00} in interest and fees, they then took almost that same amount {$36000.00} and added that back into the total loan balance. This is the magic behind a balance increase even after 58 payments were made. Basically Im running on a treadmill backwards, if that makes any sense. No lender should be able to do this and especially without informing customers of this practice. Stuff happens and I can understand a late fee here and there, but to turn that late fee into a 120 % win-fall is ridiculous. 

Also I was not in an income driven payment plan from the beginning, I just found out about that on my own, doing research. NAVIENT put me on a payment plan with lower monthly payments, but I would be paying until the year XX/XX/XXXX. I just changed it myself and saved myself 15 years and $ XXXX. This is unfair to have no choice in the loan servicer the government provides and for NAVIENT to be able to take advantage of students. How do I get out from underneath their control and not lose my federal student protections? The capitalized interest {$36000.00} should be removed from my loan balance, this is not fair, it is a fee on top of a fee.
On XX/XX/2018 I made a purchase on XXXX XXXX XXXXs website with my Barclays credit card. The amount of the purchase was $XXXX for a shirt and pants. The item did not fit and it was returned to the seller. On waiting on my refund from XXXX XXXX XXXX they emailed me and said that they couldn’t issue me a refund because it didn’t comply with their return policy by assuming that the item was worn. They re-shipped the item to me but I refused the package because I know the item was never worn! I contacted XXXX XXXX XXXX and ensured them that the product was returned exactly how I received it and I proceeded to file a claim with Barclays Card services. On filing a claim with Barclays after about a month I received a letter from Barclays stating that XXXX XXXX XXXX said I never contacted them which was not true and the over all reason for the decision to not go in my favor was stated that “the primary has no proof the sizes ordered differed from the size that was received” which was far from the truth of why XXXX XXXX XXXX first contacted me. I re-opened the case and submitted the necessary evidence and documents showing that XXXX XXXX XXXX submitted untrue information. I hadn’t heard from Barclays so I contacted them about a month after. They informed me that the case still did not go in my favor because they cannot override the policy of the seller. Barclays said they would send me a letter and I’ve been waiting for it almost 2 months now. This is a completely unfair decision. XXXX XXXX XXXX still has the merchandise in their possession, in addition to the charged amount of $XXXX. Barclays has left the charges on my card and it has been accumulating interest! They have submitted zero evidence that the item was sent back worn except for XXXX XXXX XXXX saying that. I submitted evidence stating that the company has lied and they still made the decision in XXXX XXXX XXXX favor. I would think my card company would try their best to get me my reimbursement, instead they were very negligent and unfair in dealing with this matter. They have failed me as a long term customer and this matter needs to be rectified immediately.
I HAVE DISPUTED THIS ACCOUNT OVER AND OVER AND ASKING FOR VALIDATION TO PROVE I AM RESPONSIBLE FOR THIS DEBT. ACCORDING TO THE FEDERAL TRADE COMMISSION I HAVE THE RIGHT TO ASK FOR VALIDATION. THEY HAVE NOT PROVIDED ME WITH ANY PROOF LIKE MY SIGNATURE THAT I AM THE PERSON WHO THIS DEBT BELONGS TO. I AM A VICTIM OF IDENTITY THEFT AND HAVE FILED A REPORT WITH FTC. THIS ACCOUNT DOES NOT BELONG TO ME
I have been trying for months now to get my credit report because Equifax reports almost everything wrong. There have been deleted items reinserted, XXXX-XXXX accounts from major creditors like XXXX XXXX and XXXX XXXX are n't on my report even though the creditors confirm reporting, and I can no longer dispute collections on my file that have been proven to be in violation of FCRA. I called Equifax about the issue and they are telling me I have to contact some department by mail to update my report address, name, etc. My information has n't changed and on my last report nothing was different so I 'm not seeing why I have to jump through hoops to update a report. I ca n't even access it from their website and the representatives on the phone ca n't pull my report either. Equifax is the worst excuse for a credit reporting agency I have dealt with in my life.
I paid my credit card on time, but found a late fee on my credit card statement. I called the credit card company to ask about the late fee and I was told since my payment came from the bank on Friday, it did n't clear in time over the weekend. The customer service rep was adamant that the late fee was not refundable and this was a blanket policy that did not just apply to me, but that was across the board for anyone in my situation. I am not sure I believe her, because I have seen instances on the internet where people have had their late fees refunded. The specifics : Citibank ( ATT Universal Card ). Payment made with electronic banking through XXXX Bank. The payment was scheduled to be made on XXXX/XXXX/16, electronically with a 2 day turnaround. The due date was XXXX/XXXX/16. The reference number from XXXX for the transaction was XXXX. The Citibank statement shows the payment being received on XXXX/XXXX/16. I am asking for my late fee to be refunded or a better explanation from Citi for why it can not be. I am also concerned that this electronic payment in fact gets hung up and can not be made anywhere close to immediately. XXXX says it was to be done in 2 days. Even taking account of the weekend, the payment should have been received by Monday XXXX/XXXX/16, which would have been timely. I have some skepticism toward Citi as to whether their system is weighted to drag out payments such as mine so that they can maximize the amount of late fees they receive.
Sir/Madam, I have applied a Credit card as name Chase Freedom Unlimited card Reference Number XXXX, Today I got a letter from Chase that my application is unable to approve my request this time with a lame reason " Too many credit cards opened in the last 2 years with report provide by XXXX XXXX why they gave me false information because as per my knowledge I got only XXXX credit cards like Chase freedom, XXXX XXXX, XXXX XXXX and XXXX XXXX. and XXXX credit cards are totally paid out on right time within their promotional period. As per more attractive beneficial benefits more than my previous card so I applied this card.As per good credit customer I have right to access switch my product for more benefits to new product.If chase do n't want my business then I will close all my debit credit cards account from Chase in future. 
thanking in anticipation XXXX XXXX
Our loan originated in XXXX then we had difficulty paying and went in foreclosure XXXX XXXX. 
We fought and won the case and it was dismissed XXXX XXXX and an adjustment to the terms was made XXXX XXXX. Then we filed chapter XXXX bankruptcy in XXXX XXXX and was discharged XXXX XXXX, XXXX with a legitimate reaffirmation agreement and it lists specific terms of repayment. In XXXX we were told that we were delinquent on our payment when I had just made the monthly payment. I went through several days of this and finally was told that we owed {$36.00} principle and that none of our payments was being applied to the final payment due to deferred interest on the account. Until XXXX XXXX no payments were reported on the three credit bureaus then 3 payments were reported as on time then XXXX XXXX through XXXX XXXX it shows that no payments were made making us 150 days past due. We made a settlement payment on the deferred interest of {$6000.00} and they lost the check. I have emails from a rep stating as much as well as a delivery confirmation. So no payment was made in XXXX XXXX due to it being lost. I feel that we should not have had the deferred interest due to the reaffirmation agreement. I do admit to being late on payments over the years but I always got caught up. The added interest should not have added up to {$10000.00} which I believe is the interest that accrued during the foreclosuretime. Also after the affirmation the company said that my name was not listed on this loan and it is clearly on the original document the adjustment that was made prior to the foreclosure dismissal and the reaffirmation agreement. They would not talk to me about this loan for several months until we lost our home to a fire in XXXX. We could have negotiated a settlement in XXXX even though I am sure that we did not owe this deferred interest.
XX/XX/XXXX bill XXXX XXXX Comenity Bank Charge {$19.00} Do not receive paper statements. I opened a XXXX account several months prior to receiving this bill and at that time I cut my XXXX XXXX credit card in half and mailed it to Comenity Bank requesting my account be closed. Apparently, this never happened. When I received this bill, I sent an email to Comenity bank explaining that I did not authorize this purchase and in fact had closed my account by returning my credit card to them. A month later I received a letter from them saying that the charge was indeed mine as it was for a recurring rewards program that I needed to cancel or it would continue to be billed each year. Also, they claimed they had not received anything from me requesting my account be closed. I immediately called the bank and requested that they close my account. Next, I contacted XXXX XXXX and they claimed it was for my XXXX membership. They agreed to give me a partial refund. So, I called Comenity back and told them that XXXX XXXX issued a credit. In the meantime, my bill had soared from {$19.00} to {$87.00} and the bank said that XXXX XXXX had issued a credit in-house and not to the bank. I offered to pay the {$19.00} which was the original amount, but they said they can not accept anything but the full amount because they can not negotiate a payment on a closed account. I refused to pay anything more than the original amount since I 'd been trying to get this resolved from the beginning and asked to speak with a supervisor. That request was denied. Since that time, the bank has phoned me 5 times a day between XXXX XXXX and XXXX XXXX. Someone finally told me they could accept {$25.00} to settle this dispute. I made that payment on XXXX/17. The woman lied to me because they are still sending me bills that I can not even log into because I no longer have an account! At the time of this dispute, my credit score of over XXXX existed for over 30 years. Now it is in the mid XXXX XXXX Can you help me settle this dispute and restore my good credit score?
FRAUDULENT INQUIRES WERE INITIATED ON MY CREDIT FILE. REMOVE FRAUDULENT INQUIRY FROM CREDIT FILE.
I co-signed a vehicle XXXX with the XXXX as my co-signer, and my car was re-possessed when I tried to get the car fixed when it was dismantled. The car was parked in XXXX and my ex-husband returned the car and made a payment of XXXX per his hearsay, and now my credit is low and I have issues with opening credit because of his Fraud and XXXX XXXX XXXX was the man who co-signed for me at Wells Fargo under the name XXXX XXXX XXXX XXXX.
There are 8 inaccurate late payments being erroneously reported by XXXX from XX/XX/XXXX-XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through XXXX Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no  avail. I submitted documentation two times to XXXX directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. XXXX has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with XXXX and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another XXXX in XXXX. So XXXX no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another XXXX supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>XXXX appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.
I received a letter from this collector - LINEBARGER GOGGAN BLAIR & SAMPSON LLP. Another similar collector I saw here in CFPB - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attorneys they say. So, I received a letter, telling me that I owed XXXX dollars. I may be sued. It does n't say why, where, when, or how. It says, pay or lawsuit, ridiculous. I try calling but automatically I am placed on hold for more than 30 minutes. Actually, I first waited 37 minutes. Then I waited 33 minutes. Also, the title on page says that I am receiving the letter from XXXX, CO. But it says to pay at LINEBARGER GOGGAN BLAIR & SAMPSON LLP in XXXX XXXX, TX. 
This is a collection I am sure. It is ridiculous and absurd. I HAVE MEDICAL INSURANCE, XXXX XXXX. I never received any bills for this. It was converted to collection apparently. Since I have insurance, XXXX XXXX, they 'll usually cover any fees. Apparently, a collection company is attempting to collect false billing charges, otherwise, I would have received a statement, and I would have reported that to my insurance, XXXX XXXX. More, in the letter I received, I noticed that it only has a title on top of page, Attorneys, address from where it came, and a phone to call where no one bothers to answers but it says, leave a message. Of course, the call did n't work remember. Besides that, nothing else other than, lawyers may sue unless you pay. It is a lousy tactic of course. I have insurance with XXXX XXXX, so this should never have occurred. Happy to meet you in court if you refuse to remove this bill or you refuse to contact whoever tried to make the false claim. My insurance will always pay for any medical bills, why else do I have XXXX XXXX.
I am a member of Experian 's Protect My ID identity theft protection and have been for a number of years. 

My problem started a week ago when I got an email from Experian telling me that my account has been updated. ( I did not update anything in my account ). 

So I click the link to log in and the Experian system doesn't know who I am. Says it doesn't know anyone with my email address. 

See below. 

I attempted to log in, reset my password, made phone calls to 10 different numbers associated with Experian. The computer answers the phone and most recent said my wait time was between 8 and 12 minutes. After 1 hour I hung up. Nobody ever answers the phone or replies to my emails and I never get the password reset link. 

I need to get this straightened out.
Capital One accepted a debt consolidation agreement for three separate credit card accounts with XXXX XXXX  XXXX on XX/XX/XXXX. Subsequently Capital One has submitted a total of 8 late payments to credit reporting agencies : Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Capital One representatives claim payments were insufficient and or received 30-60 days late in direct contrast to our agreement. Monthly statements from XXXX document the agreed minimum monthly payments. 

Capital One account ending in XXXX was at one time reported as 90 days late. I was able to have that removed from my credit report, However, eight payments reported 30 60 late remain. 

Im reaching out to CFPB to help resolve this issue.
This is a complaint against equifax due to the fact that I have contacted them via phone and letter to have some inquiries deleted off of my credit report. I received a response from the credit agency that the inquiries are factual and that they will remain on my report. The Hard inquires in question are XXXX, XXXX, Off lease only ( 2 times ), and XXXX. I am filing this complaint in order to assist in correcting this matter ( removing the unauthorized inquiries ) from my report so that it can reflect accurate information.
North American Recovery and XXXX XXXX XXXX is reporting on the same debt. They are double reporting and affecting my credit. This is a violation of The FCRA, and need to be fixed.
I was looking for a new credit card that gave me cash back & a transfer options.I found a great deal at a Discover Card plan on the Discover Card website.It sounded to good to be true. It said 0 % interest for 18 mo.on  transfer balances. I called Discover Card & ordered a new card. Today I tried to make a transfer of XXXX to their card & was told that their was a 3 % charge to do that. It did not say this on the Website, but it turned out to be on other documentation that was sent to me, further.down on the page.I was thinking that the offer was so good that I might pay the {$60.00} & get on with it. I then checked the interest rate page & came to find out that you have to pay almost 15 % interest on the balance transfer as that was not part of the deal. Everything else was interest free except balance transfers & cash loans. So, my ability to save was nil.All though I was not scammed it sure felt like it. This is just a bad case of deceptive advertising & it should stop. Thought you  should know.
Last year ( 2016 ) I received an issue of XXXX XXXX XXXX that I did not order. I contacted the company ( I believe XXXX XXXX ) provided on the bill statement for the subscription. I explained I never requested the subscription and did not want it. I did not receive any further issues. I now have received a notice from North Shore Agency, debt collector for the XXXX XXXX XXXX payment of {$49.00} for 26 issues. This false.
issues for years : Problem now will not show me how last payment posted always some kind of fees to make my 'Unapplied balance '' disappear. 
, I think at some point converted loan type from original XXXX, convention fixed rate to interest bearing loan '' done by servicers. that is why money is not correct, balance not going down.
I am a XXXX and enrolled in the XXXX XXXX XXXX XXXX program. I was making payments as scheduled and when I called in to Navient to get information about my loan, they told me that I was NOT enrolled in the XXXX XXXX program and that they could enroll me now, but none of the payments I had been making would count towards the 10 years of loan payments. Every time I send in documentation, they somehow never receive it and I get a different story each time I call in.