WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter in the mail today thanking me for choosing to use a Wells Fargo XXXX XXXX credit card. I have never had a credit card of any type with Wells Fargo and never will. It seems as if someone from Wells Fargo has opened a credit card account in my name and I do not appreciate it.
I call the credit card company and they was not going to help me. I do know what they are taking about I did n't got a credit card from know one please help me with this and thank you
I never directly did business with Equifax and yet they have all of my personal information. 

They then did not take reasonable steps to protect that information from cyberattacks. 
When they learned of the problem, they hid it from investors while they let executives dump their stock. 

There is no way to undo this damage. Once your information is stolen, you can never recover it. It will mean that I will need to pay for credit monitor and identity theft protection for the rest of my life. 

I will also be the target of other scams and potential blackmail because of a company that I had no direct business relationship with whatsoever.
My loan servicing was tranferred to FedLoan Servicing the beginning of this year when I indicated I was pursuin g Public Service Loan Forgiveness ( PSLF ). According to their guidelines, FedLoan Servicing was to provide me with an accounting of how many of my payments qualify for PSLF within 90 days of the transfer. FedLoan Servicing has failed to provide me with any information. When I called them, they said they needed additional time. I have my doubts they will ever provide me anything that is accurate. FedLoan Servicing is the sole servicer for PSLF. This is their job! It should n't taken f orever to get this information. Please look into for me. Thank you.
After I saw Experian Credit Report on XX/XX/2018, I disputed several incorrect information. I received notification that Experian fixed the issues, I found no change and some information was adding up more incorrect information by them. 

It has been more than one month to correct simple information and Experian are making incorrect information worse each time I contact them. I saw their comment why they changed data more incorrect because I requested to do so. But I have never told them to correct information in wrong way. All what they say are incorrect and their conduct is unprofessional, incompetent.

My disputing items must be corrected immediately because it will be misrepresenting my information regardless my effort to fix with ill-intended changing to incorrect information based on my request which I never requested to them.

I told them to delete one credit card account because the card is upgraded to another card. There is no need to show both old card and current card. I told them to delete old card but they did not delete card and closed card. I disputed them again asking them why they closed the old account. One agent said he would correct information but later I found that Experian closed current card too
. And they commented that they closed 2 cards because of my request but I never requested them to do.

Today, I disputed with one agent and make him change the card status as I told him, and agent asked me if I contacted credit card bank. I said to hem what does he mean and bank has nothing to do with Experian 's showing incorrect information. I told him to open the current card, but he said that he could not open without Bank 's permission. After I heard him saying unbelievable statement, I was disgusted and thought there is no way to communicate with them anymore. And decided to file complaint to FTC. 
Please correct Experian 's unprofessionalism and disqualify them to serve as credit monitoring agency and also, fix my credit report with correct information.
I received a call from " XXXX '' XXXX ( my computer security company )  telling me they are going out of business. He said XXXX wanted to refund my {$200.00} lifetime security payment on my MasterCard. I said fine. He asked me to wait while he refunded the {$200.00}. Then he said " Oops '', he " accidentally '' refunded {$3200.00} on my MasterCard instead of {$200.00}. He invited me to check and confirm this on my online MasterCard account which I did while we were on the phone. I saw the entry for {$3200.00}. He said they could " enter '' a charge on my card but could not " delete '' a charge or " change '' a charge on a credit card. I therefore owed them {$3000.00}. I believed him because I saw the {$3200.00} " refund '' on my online MasterCard account. 
He asked me to go to my local XXXX XXXX, buy a {$3000.00} gift card, then give him the gift card number. He stayed on the line while I walked to the XXXX XXXX. I had to buy two {$1500.00} gift cards on my MasterCard because XXXX doesn't sell {$3000.00} gift cards. I read him the numbers. We hung up. 
When I got home I became suspicious and called XXXX. They ARE NOT GOING OUT OF BUSINESS. THEY DID NOT CALL ME. They don't call people. They email only. It was a scam. They didn't do it and couldn't do anything to correct it. They suggested I call MasterCard. I received a call from " XXXX '' security ( my computer security company ) telling me they are going out of business. He said XXXX wanted to refund my {$200.00} lifetime security payment on my MasterCard. I said fine. He asked me to wait while he refunded the {$200.00}. Then he said " Oops '', he " accidentally '' refunded {$3200.00} on my MasterCard instead of {$200.00}. He invited me to check and confirm this on my online MasterCard account which I did while we were on the phone. I saw the entry for the {$3200.00} " credit ''. It later disappeared.

He said they could " enter '' a charge on my card but could not " delete '' a charge or " change '' a charge on a credit card. I therefore owed them {$3000.00}. I believed him because I saw the {$3200.00} " refund '' on my online MasterCard account. 
He asked me to go to my local XXXX XXXX, buy a {$3000.00} gift card, then give him the gift card number. He stayed on the line while I walked to the XXXX XXXX. I had to buy two {$1500.00} gift cards on my MasterCard because XXXX doesn't sell {$3000.00} gift cards. I read him the numbers. We hung up. 
When I got home I became suspicious and called XXXX. They ARE NOT GOING OUT OF BUSINESS. THEY DID NOT CALL ME. They don't call people. They email only. It was a scam. They didn't do it and couldn't do anything to correct it. They suggested I call MasterCard. MasterCard will not refund or credit the {$3000.00} back to my account because it was " Voluntary on my part ''.
American Credit Acceptance ( A.C.A. ) is lying that I owe them {$1000.00}. XXXX XXXX, 2012 I was in a car accident and my vehicle became a total lost. A.C.A. told my insurance companies that I owed {$9700.00}. XXXX paid {$8300.00} ; XXXX paid {$1000.00} ; and XXXX paid {$550.00} for a total of {$9900.00}. They were overpaid by {$240.00} and they never gave me my refund. I had GAP insurance by XXXX, and XXXX refunded the GAP and extended warranty. A.C.A. cant change my balance once they tell my insurance company a balance and cashes the checks. By cashing the checks, they are argeeing that the letter attached to the check is correct amount owed. XXXX had a breakdown of all parties payments except XXXX extended warranty refund for {$240.00} which should have been returned to me, not XXXX.
I tried to put a freeze on my credit report account with Experian.

I first applied on line, but at the end of the process received a statement that they were unable to honor my request based on the information I entered and I would need to send them copies of numerous documents ( including gov't ID, utility bill, bank statement, insurance statement, etc. ) to verify my identity. I felt that this was unduly cumbersome and unnecessary.

I then called them and answered another array of questions, and was informed at the end that they had placed an alert on my file with them and the other two agencies, but no mention was made of the freeze. This all occurred with an automated system and I was never able to talk to an agent to resolve the problem.

I believe that Experian is deliberately obstructing my ability to freeze my file, as they are required to do by law.
In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to :   ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be given to the prepay the debt AT ANY TIME. Therefore, FedLoan limitations are illegal.
685.211 Miscellaneous repayment provisions.
( a ) Payment application and prepayment.
( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal.
( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment.   XXXX   XXXX   XXXX   Very truly yours, /s/   XXXX   XXXX
This was a title loan and it was released XX/XX/2016. I received the release letter in the mail after I made the final payment at a SpringLeaf in XXXX, PA on XXXX XXXX. The new title for the car from the DMV was mailed to my home soon after.
we were never notified by them of the debt.they claimed they sent a letter and called. I told them I never receieved a letter or call. Woman said they tried and if I do n't answer they cant leave a message.And we never knew until we got a call from the bank and called and ask why.the very rude woman said it was a tax lien by the state. I looked on the department of revenue site I owed nothing .I called the department of revenue and they said it would n't show on line because it was a audit that found we owed more money for 2012 and those do n't have case # to show. Department of revenue said call premier back and they should make arrangement. the woman there said only way she will make a arrangement is XXXX today .I advised I do n't have that and she said well we wont make a arrangement .I told her the superviosor with department of revenue said they are suppose to. she advised me the department of revenue ca n't tell them anything to do or how to do it. And they still have our bank account frozen and refuse to make any payment arrangements.And trying to collect a amount not even owed.
I have been paying Navient in upwards of 500 plus a month for several years now. I have called to discuss lower payments and they continue to give me a ridiculous offers of XXXX to XXXX dollars. They are criminals and need to be stopped
I HAVE ASKED 3 TIMES FOR AN INCREASE ON MY CAPITAL ONE CREDIT CARD # XXXX. ALL 3 TIMES WAS TOLD NO > DUE TO LOW BALANCE KEPT ON THE CURRENT LIMIT. I BEEN A LOAN OFFICER FOR OVER 22 YEARS. NEVER IN MY LIFE HEARD > SORRY WE CAN NOT INCREASE YOUR LIMIT DUE TO THE BALANCE YOU USE IS TOO LOW. UNDERWRITER APPS > TRUST ME CREDIT CARD USAGE UNDER 20 % IS A GREAT CREDIT FACTOR WE LOOK AT. LOW RISK AND RATIO LOW % ARE A POSITIVE FACTOR. SO WHAT!!!! IF I WANT A CREDIT CARD FOR $ XXXX OR HAVE A CREDIT CARD FOR $ XXXX AND KEEP OR DO NOT KEEP A BALANCE. PAYMENT HISTORY IN MY SINCE HAVING CREDIT 1995 I HAVE MAINTAIN AND PAID AS AGREED ACROSS THE LINE. SO WHAT IF IN WOULD LIKE TO INCREASE MY LIMITS ON ALL MY LINES AND CREDIT CARDS > IT MINE PERSONAL CREDIT HISTORY THAT I WOULD LIKE TO MAINTAIN AND KEEP UP. I USE THE CAPITAL ONE CARD IN XX/XX/XXXX FOR {$2000.00} AND PAID IT OFF IN 60 DAYS, BUT CAPITAL ONE CREDIT CARD NEVER COMPLAINT ABOUT THE {$40.00} FEE PLUS {$50.00} IN INTEREST THEY MADE IN 60 DAYS RIGHT???
Hey my name is XXXX XXXX and I had items that report to my credit report that does n't belong to me. I have submitted documentation to each party that is involve : credit bureaus, creditor and collection agency. Still no one has resolve this issue. The account t listed below DO NOT BELONG TO ME!!! Account Name : Stellar Recovery Account # : XXXX Amount : {$440.00} Please remove this account immediately and send an updated report. If not I 'm will to submit another complaint if needed to resolve this issue.
In XXXX of XXXX myself and my husband filed a chap XXXX bankruptcy. We did not re-affirm the property. We continued to talk and work with Homeward Residential Financial in an effort to keep our home at XXXX XXXX XXXX XXXX, XXXX Ga XXXX. The home was in re-modification. In the beginning of XXXX our note was sold to Ocwen Loan Servicing ( Ocwen ) and they refused to work with the re-modification contract in place and found multiple reasons to decline a new re-modification contract. The account was closed in XXXX of XXXX and the property was put up for auction. We moved from the premises and Ocwen took possession in XXXX of XXXX. The property did not sell at auction. Ocwen proceeded to put the home up for auction every 3-6 months consequently sending us certified letters and running an announcement in the local paper. They have also put the home up for sale stating that they have possession through securing a " deed in lei of For-closure ''. The fact is they have never filed ( stamped ) the deed for for-closure. They instead filed a pass-through deed. We have contacted them multiple times as has my attorney. They have kept us from purchasing a new home as our 3 year seasoning period will not start until the deed is stamped. We feel very victimized by the neglectful handling of our paperwork. We have been forced to spend XXXX dollars on rent instead of investing into a new property and beginning to rebuild our lives. We have also been ignored, patronized and lied to in the process by Ocwen and its representatives. We are looking for the deed to be stamped and dated correctly as of XXXX XXXX and retribution be paid of {$30000.00} for rent that has been paid. This money would have went to the property in question if they had honored any re-modification or to new property so that my family can regain a sense of stability.
A woman called me from XXXX and told me that I owed {$1900.00} to XXXX XXXX for an overdrawn checking account. I immediately request verification of the debt. She refused multiple times to do that, kept talking over me, then said, " if you dispute this, we will sue you and in court is where we are required to provide you with verification of the debt ''. I continued to argue with her and she hung up on me. She also did not give me any of the disclosures required by law. She said a man would come over to serve me papers right away.
I never had any credit to not pay. I never received any notice. This is not mines. They threatened me to pay or I will have this remain on my credit forever. 


XXXX XXXX XXXX XXXX Collection Department / Agency / Attorney Closed XX/XX/2011 {$1300.00} 1 Month
Around XX/XX/XXXX I spoke to a lady who worked for Sallie Mae ( XXXX ) about enrolling in a payment program and she had confirmed that all my loans were successfully enrolled. Months later I found out my biggest loan was not enrolled and they had reported my account delinquent to the credit union. This dropped my credit 70+ points over the span of two years because they told me that I had to pay XXXX to get the loan active. I reported them to this bureau and they worked with me to charge off the loan after they realized their mistake. They are holding my credit as a incentive to start paying my loan even though they were in the wrong and lowered my credit. Resulting in me not being able to rent a home. Fast forward to XX/XX/XXXX. I spoke to representavie XXXX who helped put me in a forbearance until XX/XX/XXXX. Confirmation # XXXX. Over a month later on XX/XX/XXXX, they are reporting to my credit that I 'm 45 days late for a payment even though my forbearance is until XX/XX/XXXX. They are calling me putting me non stop every day. Once I called them they have put me on hold for 45 mins now and have transferred me 8 times because the representatives do n't know what 's going on. I have spoken with the account manager XXXX ( XXXX ) who was very helpful and nice. I 'm just concerned about all the negative marks reported to my credit over the last 2 years that have caused me to not get approved for a home for my family in regard to Sallie Mae.
I received a letter saying that I had paid off my loans. Then a little time later I a call from a company ( western asset. management ) saying that I owed them {$18000.00} including interest for a student loan. I never received any paperwork from them, they said they have been sending it but it got returned, I have been at the same address for 30plus years so that 's a little odd I never got a bill, now they are garnishing my wages and I have no idea what to do to stop it ... ..
I had a procedure performed at  XXXX   XXXX  in  XXXX  Ohio in late  XXXX  of  2016.   I offered to pay the bill at the time and I was told that I did n't need to at the time because I have insurance. The next month we moved to a new temporary address as our home was sold and we were waiting for our new home to be built. We had our mail forwarded properly with th e USPS  with each move. We never received anything from  XXXX   XXXX . In  XXXX  of  XXXX  I received a phone call from a collection agency named  Choice Recovery. I told the collector that I never re ceived or a bill or a phone call about the bill. I immediately contacted  XXXX   XXXX  and paid the bill over the phone. In  XXXX  of  XXXX  I received a collection notice form  Choice Recovery  that I owed them a collection fee. I never received the bill, yet I was expected to pay a collection fee. The office  manager  at  XXXX   XXXX  refused to take or return my calls. I recently applied for a loan and had to pay higher interest because  XXXX   XXXX  has placed late and collection fees on my credit report throu gh Choice Recovery. The   same debt is on my credit report 2 times. I am certain this is a violation of the FCRA.
XXXX has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX Experian reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and XXXX XXXX
Our mortgage loan was sold from XXXX to Fay Servicing in XX/XX/XXXX 
Since the turnover, Fay Servicing provided me with a loan officer but she rarely returns my phone calls and they keep demanding double mortgage payments and I can not afford double payments. I also have not received a mortgage statement for XX/XX/XXXX or XX/XX/XXXX. Even the Mangement will not return my phone calls. All they do is send certified letters for intent to foreclose. We have lived in our home for 20 years. Have had rough financial times and have always worked it out. I feel that Fay servicing just wants us out. Please help.
I had about XXXX in student loan debt with navient. I recently consolidated with the federal government on all loans except XXXX private loans totaling XXXX. Since it appeared my private loans were close to repayment, my monthly payments spiked drastically and I am not able to pay them on top of my consolidated loan payments with XXXX. My loan payments went from {$80.00} to {$400.00} after I consolidated. They wo n't stretch out my repayment term. When I tried to lower my payments, they said no. When I asked for a forbearance, they refused as well. They wo n't lower the interest, they wo n't do anything AT ALL. I have nearly {$1500.00} in student loan payments each month ( this is way bigger than my paycheck ). It is impossible for me to do ANYTHING right now, and Navient will refuse to work with me in any way. This is predatory lending! They are preying on low income students and offering no assistance. I am out of ideas, next move would be to get a lawyer and fight them in court ( precedent in XXXX and XXXX shows that consumers have beaten Navient and XXXX XXXX over similar issues ).
Numerous letters by myself to Navient, applications and office calls, over 20. Just recently i received a letter from them. I responded to the address they said to send all correspondences to on the front page. I sent a certified letter tooi thenand it was returned with a USPS stamp, they were not there. So I called the number listed.. disconnected. 
So an employee from Washington state attorney 's office, who I was working with, went to the address. The tenants had been there for 3 years! No Navient! He doubled checked the address and it was correct. Navient lied on the documents. So I wrote a another letter to a separate address asking for a working address and they will not respond.. but they have called distant relatives divulging personal info, and then hanging up on them. 
This happened about XX/XX/2018. 
They are unethical and now I see why they are in trouble with the government.
Ally Financial is incompetent at getting me a letter so I can put my car on a ship and send it from XXXX to XXXX. The communication is horrible and I am running out of days to ship my car. They already send me the wrong letter! 

After sending me the wrong letter, they asked me for more info to send the right letter, why didn't they ask for the right info in the beginning!!!
I leased a vehicle with XXXX XXXX Nissan in XXXX, NC. It was a three-year lease ending XX/XX/2016. In the lease contract, under the heading " Purchase Option, '' it states : " You have the option to purchase this Vehicle 'AS IS ' from the originating dealer ... in cash for the Purchase Option Price, plus any official fees and taxes, vehicle inspection costs required in connection with the purchase, and a Purchase Option Fee of {$300.00}, which fees, taxes, and costs are not included in the Purchase Option Price agreed to in Section 6. '' The Purchase Option Price under the lease was {$16000.00}. The lease also contains a section defining official fees and taxes as including only " registration, title and license fees, and personal property taxes. '' When I went to the dealership to exercise my purchase option under the lease ( the same dealership I leased the vehicle from ) it tried to charge me an additional " Administrative Fee '' of {$690.00} and an " Electronic Filing Fee '' of {$120.00} in addition to the other official fees and taxes and vehicle inspection costs. When I complained, the sales manager XXXX XXXX, admitted that these administrative fees were not disclosed in the lease contract, but refused to remove them. He said that if I did n't want to pay them, then I would not be able to exercise my repurchase option and would have to return to the vehicle.