WillisBack/dataset-financial-user-claim huggingface dataset:
Even though Comenity Bank closed my account, on X/X/2017, I contacted Comenity Bank & informed them that I was experiencing a hardship, & my paychecks were being garnished for taxes. They insisted on putting me a hardship/settlement program & wanted {$1500.00}. I informed them then I did n't have it nor really could make the {$500.00} payments for 3 months. I had received various telephone calls in XXXX, XXXX & XXXX afterwards & I informed them I really ca n't pay it. On XXXX, a rep name XXXX call & I informed him that I did n't have the money to pay the settlement amount {$1500.00} dollars that they are trying to collect. I informed him that I had lost my job & just started working back again & had several bills to catch up on including my rent. In addition, I had informed him the amount they are reporting to the credit bureaus was incorrect stating I owe almost {$3200.00} & then he stated that it was {$2600.00}. He stated in a rude manner, " well, how are you living and supporting yourself '' - " why did you set up the payment arrangement if you did n't have it ''. I informed him that I had informed that hardship people at their bank that I did n't even have that amount, that I 'm a single, divorced mother with XXXX XXXX from marriage that I am caring for & that I am about to be destitute. He still had a nasty tone & stated well I 'm going to investigate you. I hang up on the rude person. After the call I was very upset. During my lunch hour, I found a XXXX store & paid {$20.00} on the account. I travel 2 hours every day for my job & I used my gas money to pay something towards the account. Today, XXXX, an unknown number called & the rep left a message saying this is an important matter from the bank. I have never provided them with my work number. My cell phone is setup to block private/unknown phone numbers. They 2 seconds later, the same female rep called from an unknown number to my new job. My employer doe n't allow for these calls at my job. I informed her & stated that she is not allowed to call me at my job. She claimed that she can. I hung up on her. I turned around & called Comenity Bank & reported it & asked to speak to a manager, but they gave me XXXX from the Resolution Team. I explained to him the incident & the various conversations I had with their reps ; and, he claimed that they removed all my numbers. I asked him to report this matter to executive ( President ) he claims that he had sent the message to the appropriate person/team, but could not sent to the President of the Company and they will handle this information as they see fit. I 'm very upset about this. I have had other Comenity Bank Credit Cards and paid them in full. This one fell behind because I do not have the money to pay it right now because I have other debts that take precedence. They do n't care and they are rude and abusive.
Begining in XXXX 2017, Equifax received payment of {$5.00} to provide me a replacement pin so I can lift my credit freeze and provide evidence of identity. They have failed to provide me a pin and this is causing me to not be able to purchase a home. <P/>
I have written them 3 times and my attorney wrote them on XXXX XXXX2017  and to date they have failed to provide me a replacement pin even though they have accepted my payment and failed to return the payment.
I work for the XXXX XXXX XXXX XXXX. I deposited my work check pay date XX/XX/2018 for the amount of XXXX dollars into my checking account.The check was unable to process. I was told that the bank that written the payroll check had insufficient funds. After contacting Fifth Third several times I was unable to get assistance on why the check didnt clear. On top of rude customer service every account specialist that I spoke with gave me different dates on which I MIGHT be able to get my funds. Being that the post office is a federal agency job I should have had faster results. Instead of a date saying it will be processed after the holiday when thats a whole new pay period. They delayed bills from being paid. Fifth third is by far the worst bank I ever dealt with. And I dont suggest them to no one. I will also contact news station to let potential customers know how they treat their customers. Thank you
Requested and paid for 3 month foreberence to be made current at end of said foreberence. I was charged {$150.00} immediately on the phone - payment went through - agent heard and understood my inability to pay and that the {$150.00} was justified I suppose to get a piece of reprieve from outrageous calls to me and more my grandma ( co signer ) I have recording of call when other agent investigated the issue when I was asked for payment six weeks  after foreberence in place. I was dooped and it 's admitted in conversation and we can retrieve the records from recorded phone call if needed. I was denied any form of a transcript. Please help me get treated with some decency. Thank you for your time.
I purchased a vehicle on XXXX XXXX,2017 and have several hard inquiries on my credit report. The only company that was authorized to access my credit was XXXX XXXX.
Modified first loan with XXXX. I was told they would then modify my XXXX. XXXX sold the XXXX mortgage to Green Tree which now demands full payment of XXXX mortgage. Green Tree has entered into a temporary payment plan with us on the XXXX and demand full payment every XXXX months. The payment that we are making is XXXX times higher than the original loan payment.
I made my payment as usual and to my dismay, I got an alert this morning that my payment was late. I was not 30 days late as the credit report states. I even spoke to someone and they confirmed that I was no where near 30 days late.
XXXX   XXXX   XXXX  charged off a voluntary repossession on  XXXX , closed the account on  XXXX . They sold the note  to Cascade Capitol, LLC  in  XXXX , FRAUDULENTLY showing a payment as having been made in  XXXX  in order to re-open the account. There was NO payment made. The y ( Cascade ) began  reporting late on our credit starting  XXXX , continuing to present date.
I disputed this debt with the credit bureaus and directly with the collection agency via certified mail. At no time did I receive any documentation that legally verifies this debt. I have not even received correspondence from this company at all except for the original letter. From Experian I only received statements saying this debt was verified and then other statements saying that they will not reinvestigate this unless I have a letter from the creditor or courts. This is not legal! They can not just state something has been verified with absolutely no proof of it. This means that I can randomly choose any employ that works for Experian and state that they owe me {$20000.00} and send it over to a collection agency and no one will have to prove anything. Congress states that the only legal verification is the physical documentation that was filled out when this account was opened and this documentation was never sent to me. Congress further states that the buren of proof is on them and not me, so why am I being told that this has been verified with no proof and that I have to solve with the original creditor and the collection agency is giving me the same run around? Why is no one being forced to comply with the FCRA and FDCPA? Section 609 protects me against false reporting of the credit bureaus and this section mandates that the original paperwork that was filled out when this account was opened be sent to me bearing my signature! Changes to the laws last year make it so that the only items that can report on my credit file are the ones that I ever agreed to pay or owe a debt, so if no one can prove that I ever agreed to pay or owe it, then it must be deleted! 

I do NOT want a reply to this complaint from Experian stating that my name, address and SSN matches what the collection agency has - this is NOT legal proof and would not stand up in any court of law. If I take both Experian and the collection agency to court, what are they going to show the judge? They 're just going to say " I pinky swear he owes it? '' In addition, I 'm pretty certain that a company can not just state that the debt is mine, or else anyone can state that anyone owes them money. Where 's the proof and why ca n't this company produce it? I never stated it was identity theft, I never stated that it was n't mine. What I am stating is that I do not recall this debt and that I know my rights in regards to items reporting on my credit report : they must all be legally verified.
LRS continues to call me, insult me, and harass me multiple times a day. Not only did I pay the debt on XXXX/XXXX/2016, but XXXX XXXX rescinded the debt after they realized my account was not handled properly. Both XXXX XXXX and myself have repeatedly sent them information sufficient to close the account, yet they are still trying to collect and continue to reinstate the collection on my credit reports every time each bureau removes it due to my filing a complaint with sufficient evidence to remove same.
I have disputed two accounts with XXXX Credit Bureau multiple times. These accounts are not mine and inaccurate. These two accounts are reporting that I owe {$25.00} each.
My husband and I applied for the expanded REPAYE student loan repayment program in XX/XX/XXXX in hopes of reducing our payment to 10 % of our discretionary income. In XX/XX/XXXX, after hearing nothing on the plan change, I contacted the servicer and was told they had n't even processed the request. I was told it would be expedited and processed in 30 business days. In the meantime, we would owe a one-time forbearance fee of {$5.00}. 

After receiving bills for XX/XX/XXXX and XX/XX/XXXX in amounts of {$0.00}, {$10.00} and $ XXXX+ ( all for the exact same account ), I called in and was told that those were sent merely as part of the plan changing process and that we owed nothing. Two weeks later, I received both a " delinquent account '' email and a paper letter ; however, I had been told I owed nothing when I called in. 

In XX/XX/XXXX, I finally received documentation that my REPAYE request had been processed and received my first bill. I called my servicer because the amount was HIGHER than it had been on my old IBR ( XXXX % ) plan, with no large change income. They confirmed that the amount they 'd calculated was incorrect ; my husband also has federal student loans, is also on PSLF and we file jointly. They had not considered both our debts when determining our payment amount, even though we had properly submitted all the necessary papwrowrk. 

After being told we owed no money when I called my servicer XX/XX/XXXX, today my servicer also required that I go on a forbearance plan for XX/XX/XXXX $ XXXX+ payment or make the payment to keep my loan in good standing. I was also told that changing from IBR to REPAYE plans was a 4-month process, despite being previously told on several occasions that it took 30 business day at most. 

We have been in the income-based repayment programs since they debuted in 2007. My loans have been moved from servicer to servicer and annual updating has been a hassle nearly every year. I waited on the IBR/PAYE expansion to pass and become available and have now waited 7 months to take advantage of the program. It was intended to help people, but the servicer seems to have no interest in actually putting people in the program. When we call in, we can never get consistent answers ; we are n't even able to speak with the same person again deposits having employee names and servicer numbers for each calls. 

My loans have been kept current ; we have been forced to take short forbearances several times since 2007 due to delays by my servicer and miscalculations in payment amounts on the part of our servicer. Our PSLF date just keeps getting jumped further and further away while I continue to try my best to jump through the numerous hoops being sprung on us by the servicer.
My Coinbase account had verified my XXXX checking account and identity years ago. Recently after logging in and moving Bitcoins from my wallet to my vault I tried to move them back to my wallet. The transaction has been " waiting on approval '' whatever that means, for over a week now. I opened a ticket with their " support '' bot six days ago and have only received an email that says they got my request. No follow up, no contact. I found that one of the few things I could do in my Coinbase account was verify my bank account ( again ) so I thought maybe since it had been a few years I might have to do that. I started that process. They verify your account by sending two small sums of money. Usually a few cents. You then verify your account by verifying the amounts after you get them. They say it could take up to three business days to get the amounts. It has been four business days since I began that process and I have no small deposits in my account. I am frustrated because Coinbase " support '' does not support the customers. They do not respond to service tickets.
Bank of America called me at XXXX XXXX I do not have an account with them and pleas file the complaint against them also what else should I do? 
In the bottom is the picture of the time call and phone number
I had no knowledge of this account. I have talked to the original bank, several times. Filed a dispute several times. To be told it was finally resolved. Kept checking and then was told it was not. I cant send them any information, because I have no knowledge of what it is!
The reason for my complaint is because Navy Federal closed my checking and savings account due to I was force to open a {$5000.00} loan. I was a victim of fraud/scam and was force by two man to open the loan because I told them I have good credit. They advised me that they work for Navy Federal and they can help me open a checking and saving account and after that they force me to open up the {$5000.00} loan. I cancel the loan due to I was force. I filed a police report regarding the whole situation. The reason why my story kept changing is because I was scared of the men. They know where I live because they seen my address when I was doing the application. I still have not received my {$10.00} that was deposited in the savings account but they can keep it if I'm able to open up new checking and savings account. I would also like the hard inquiry removed from my credit report for the loan since I was forced. I shouldn't of trust those man but I believed them. I'm able to go in the branch and open up a new checking and savings account with my moms XXXX I live with my mother and she is a XXXX veteran. Thank you for your time. Have a wonderful day.
Overdraft was caused in XX/XX/XXXX due to erroneous XXXX billing. It was a weekend so i contacted XXXX and they agreed to reverse the charge. On the following Monday I went into the PNC branch and asked the manager to reverse the overfrafts. I showed her the email from XXXX support and she refused and said I had to file a dispute ... which I did. I told her i would be closing account as I'm unemployed and alimony is $ XXXX month. At that point they had already assessed approx {$300.00} in overdraft charges. I don't know about you but {$700.00} remaining isn't going to cover monthly expenses much less food! 
I respectfully request the CFPB subpoena all email messages sent to PNC customer support via their secure email system. These messages which I no longer have access to clearly state I told them to close the account. Fast forward 3+ months they continued to charge monthly service and overdraft charges amounting to over $ 500+. 
While they did refund {$150.00} it is inexcuseable dishonest conduct. Please see attached documentation. I'm in the middle of a messy divorce so this and financial concerns has taken a back seat. The other issue is our MD state tax refund that was to go to my soon to be ex was mistakenly deposited into the PNC account as a clerk in accountant 's office used my PNC account into instead of his ... and PNC took the ENTIRE refund in overdraft charges ... had they been honest from the beginning and refunded the overdraft charges NONE of this would have happened. 
Again please subpoena those messages from both my personal checking account and business XXXX XXXX XXXX. They clearly indicate the accounts were to be closed so they have continued to rack up deceitful charges for months. Horrible bank. Horrible situation and complete lack of empathy or understanding on a situation that was not my fault. As far as their assertions w XXXX they had already been notified and given alternate cc number so not sure why ... and had they closed account it wouldn't have been an issue. 
Also PNC has been told not to call me ... and I would appreciate if they communicate only through you
XXXX listed an account in my credit report that was more than seven years old and paid off. The listing was incorrect, so I called XXXX and was told that XXXX had no information on the account. I sent a letter to both XXXX and to Equifax, explaining the problem and disputing the reporting. XXXX wrote back indicating it had no information on the account and would report accordingly to the credit bureaus. XXXX and XXXX deleted the information but Equifax subsequently re-reported the information as having been 'verified '. I sent and faxed Equifax XXXX letters twice during the month of XX/XX/2017 and Equifax has taken no action. I understand that the law provides there is 30 days to conduct an investigation but when the information has been 'investigated ' in bogus fashion, I wait for the result, and then prove to Equifax that the information is incorrectly reporting, I do not see how or why I am required to wait another 30 days for another meaningless " investigation. '' XXXX and XXXX get it right. Equifax gets it wrong.
RE : Mothers bank account I am a senior citizen looking for help. My mother XXXX  in XXXX. In XXXX I went to US Band and told them that my mother had XXXX. I showed them her XXXX certificate. Ever since then I have not received any mail from this bank for my mother. I have been to the US Bank on XXXX XXXX, XXXX and inquired as to what has happened to my mothers bank account and they tell me that they do not have any record of her.
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I know that they have a record of her as she had a safe deposit box which I closed out. I have the bank account number but they refuse to tell me what they have done to her money.
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What can I do? I am entitled to my mothers bank account as I am her only heir and my name was on her bank account.
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Sincerely, XXXX XXXX ( XXXX ) XXXX
Buyer for my townhouse has outstanding credit applied for conventional loan with XXXX on XX/XX/2016. He was approved immediately for the loan. Our closing date was set for XXXX XXXX, then XXXX XXXX, then XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and now XXXX XXXX. Chase has not explained why and refuses to return calls to me and the buyer. This delay has now caused hardship on several different people.
Dear Sir or Madam, I opened a chec king and a saving account with Citibank in   XXXX   2016 : - As a new consumer, I was supposed to receive  XXXX  $ after a period of 120 days following the opening of the account. It was an offer that they advertised on their website, and I signed up for it when I opened the accounts - I complied with all the conditions ( amount to put on the account, etc. ) - I reached out to my personal banker many times about it. He said that City bank was having " IT problems '' and that the transfer could not be completed. They are now 4 months late, and I can not imagine that a multinational like Citibank would have " IT problem '' for 4 months - I would need your help to force Citibank comply with what they advertise Thank you
I have been attempting to get my credit report reviewed but I 've been unsuccessful. I was a victim of identity theft and I 've sent all XXXX credit bureaus my police report. I 've had multiple items removed and reinserted and when I try to dispute ... .in return I get a letter stating that they have previously disputed this matter and the previous status remains the same. I have yet to receive any verification in regards to these debts and I have sent multiple 609 letters with no success. The accounts are to verify that these XXXX companies are reporting correctly XXXX, XXXX, and late pays with XXXX and XXXX. With XXXX and XXXX I had insurance and advised that the insurance paid the balance but then was later informed that they only paid a portion. I was in the military and was XXXX so I was XXXX of the military which caused me to be unemployed and unable to pay my bills. This is why I utilized the insurance with these XXXX companies which I was later informed that I still had a balance.
Received a collection notice with many phone calls afterwards from XXXX XXXX XXXX, XXXX. On XX/XX/2019, for the amount of {$8.00}, XXXX. 

I called them back ask for any evidence of such debt, they totally avoid my request and threaten to distort my credit.
I have been charge several overdraft fees for checks that the bank did n't list on the account on the same date however posted as it was. I was told by customer services representative that if by XXXX is not posted on the account that 's the latest it could show up. In the last month this situation have happen XXXX times incurring in {$35.00} charge per transaction.
I spent over two hours on the phone with Equifax trying to resolve an error on my credit report. I explained to Equifax customer care reps that I did not have a confirmation number and that apparently made them angry. When I explained that I had Equifax 's XXXX  service, they had no idea what that was and demanded to know if I had requested a credit report or not, and if not, then how did I have any information about my credit report. 

I first spoke to a rep named XXXX in the Equifax dispute department. She was rude and dismissive. When I asked to speak to her supervisor, she put me on hold for 25 minutes. XXXX who was supposedly her supervisor, who supposedly works out of Disputes in Nevada made me answer the same 20 questions I answered for XXXX and then after answering all 20 answers again ( with actual information from my online accounts, all correct up to the minute ), he said ONE of my 20 answers was wrong ( wouldn't say which one ) and so therefore they will NOT correct the errors on my credit report. 

How can I get the error on my credit report corrected when Equifax is refusing to do so?
Not a duplicate. Must be delivered to each Credit Reporting Agency. On XX/XX/2017 I disputed an erroneous account appearing on my credit report. See CFPB case # XXXX. The line item is # XXXX pertaining to XXXX. XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, This item must be immediately and permanently deleted from my Equifax credit report.
i am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that i have disputed. please resolve this manner as soon as possible. 

thank you
XXXX XXXX XXXX has reported open accounts in collections on my credit report that should have not been. All bills from XXXX where on hold by my attorney pending a lawsuit and all have been paid in full.
I bought a new car XXXX 2013 From a car dealership out of the state, I live in XXXX bought the car in XXXX. 
I was told that the total amount of the car was a little over XXXX .I asked if that included The high interest rate and she said yes. 
I asked why were the payments so high XXXX monthly, She said I could pay it off in 3yrs. I agreed and never looked at the contract until 2 months ago only because I thought I would double up on the payments so I would pay off the car before XXXX. I called the bank and they told me that the car which sticker price Brand new is about XXXX, I was paying XXXX. That was not explained to me. I would have never paid that much for a 2013 Hyundai Sonata. Have paid over XXXX For this car. I ca n't pay another XXXX. 
I need help.