WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX / XXXX / XXXX , I applied for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card limit increase, which was initially declined approximate ly ten  days later due to my credit report.  XXXX  pulled up my  XXXX  credit report. Both  XXXX   XXXX  and  XXXX   XXXX   XXXX  showed negative credit information even though the information was not derogatory :  XXXX    XXXX   has been closed since  XXXX  ;  XXXX   XXXX     XXXX    advisory  that account was previously in dispute-Now resolved-reported by subscriber.   I called the customer service representative for each bank to have either the  XXXX   XXXX  account removed from my credit report or the  XXXX   XXXX   XXXX  advisory removed. Each customer service representative said that I had to contact   XXXX    and that  XXXX  would contact the bank.   I work very hard to keep my credit report pristine and accurate. I even pay to have credit report freezes placed on them.   On  XXXX   XXXX ,  XXXX , I was eventually able to get the  XXXX  credit card limit increase. However, it should have happened a lot sooner and with no problem.     Please, remove the  XXXX   XXXX  account and the  XXXX   XXXX   XXXX  advisory.
Ref  : Complaint Number   XXXX   Wells Fargo Home Mort gage provided an answer to above captioned complaint, but did not address the complaint.     My complaint invo lved Wells Fargo 's alleged fr aud in forcing me under threat of foreclosure to take an ARM with sharply increasing interest rates to replace a  XXXX   XXXX   XXXX   while a federal law suit addressing  XXXX  was in the process of being settled. The settlement terms were announced shortly after I was pressured into signing the agreement to t ake the ARM. One of the settlement terms was the exclusion of borrowers who received a subsequent mortgage. I allege that this was a deliberate act to exclude certain borrowers from the benefits of the settlement. Subsequently I received notice from the settlement administrators that I was eligible for a mortgage modification ( MAP2R ) which eliminated accrued interest and reduced the principal. I was told by the bank that I was not eligible. My home has been foreclosed and a sheriff 's sa le is imminent. The bank refused to discuss a modification of any sort except a HAMP modification for which I am ineligible.     I believe fraud is a criminal act and should involve a criminal investigation.
COLLECTIONS Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$96.00} Remarks -- Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Details Last Reported XX/XX/XXXX Collection Agency CREDIT MANAGEMENT CONTROL Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$43.00} Remarks Account paid for less than full balance Account Details Last Reported XX/XX/XXXX Collection Agency CREDIT MANAGEMENT CONTROL Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$77.00} Remarks Account paid for less than full balance Creditor Contact Details CREDIT MANAGEMENT CO  XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
I can not access my account through money saving apps such as XXXX. 

Please allow me to use these features
While checking my credit report with Experian, I found a collection that I wanted to dispute. I attempted to follow Experian 's detailed steps on-line to dispute, but could not find a credit report number. I went directly through Experian and set up an account, but when I called Experian 's customer service number ( XXXX under support on credit report ), I was left in queue for over XXXX minutes on multiple attempts. Once I was finally able to speak with an Experian representative they told me I had to get the report from them, which I did and even shared my account information. The representative told me that I would have to pay for my full credit report. Is this legal? I have to pay for my credit report to dispute something. Note that I attempted to call the company, XXXX XXXX XXXX XXXX at the phone number listed on this alleged credit report ( XXXX ) XXXX, yet this number has been disconnected. Experian needs to be held accountable for this unethical business practice. Consumers can not opt out of Experian having access to their credit information and thus needs to be held accountable to specific and clear standards. How am I as a consumer able to dispute a collection on my credit without any way to contact Experian or the collection agency?
I had some unauthorized transactions on my Discover card between XXXX XXXX 2017 to XXXX XXXX 2017. I  reported this with Discover talked to their fraud investigator and was very clear that only the transactions between those dates were unauthorized. We even went through each one so to make sure there were no mistakes. I received an alert from my familys business checking account that I was overdrawn by more than {$3000.00}. After viewing account information Noticed a Misc. Withdrawl for {$4600.00} from Discover. Further I have been receiving alerts from utility companies for charges placed on my discover card from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Discover has literally reversed every transaction that has ever been placed on My discover card and without my permission marked every transaction as fraud and forced merchants chargebacks. This includes numerous businesses I frequent. I want to make it perfectly clear, the transactions prior to XXXX XXXX, 2017 were all authorized and initiated per the agreement with Discover, which is a Contract by adhesion meaning I had no say in the terms. Discover created the contract and now have violated their own contract at least 2 dozen times. I Have suffered damages that will exceed {$50000.00}. Discovers actions will destroy business relationships, it has cost me NFS fees, charge back fees and late fees. All my accounts due dates are between XX/XX/XXXX-XX/XX/XXXX of every month. Discovers reckless and unlawful actions are forcing me to take tomorrow off work to deal with the damages. I have dozens of calls to make as most departments are closed at the time I was notified of this incident, therefore forcing me to take tomorrow ( Wednesday XX/XX/XXXX ) off work. I have already drafted a civil complaint to file in XXXX County Circuit court against Discover. I believe other family members will be doing the same over the next week since this has also affected them. Additionally, Discover wrongfully closed this account and reported the negative information to all credit bureaus.
I was recenty approved for the XXXX XXXX Platinum card at a XXXX credit limit. I called in to customer service on XXXX/XXXX/XXXX and spoke with 2 supervisors in the customer care deprtment. The first supervisor advised me to call XXXX directly because they are the ones that push the update to her end. XXXX stated they are only a payment processor which makes sense as all my previous XXXX XXXX upgrades with other banks had discretion. The next supervisor said the option had to appear under offers on the account. So I know typically all thats required of a XXXX XXXX is a XXXX  credit limit, I am well above it and would just like to go ahead and upgrade my card to the XXXX XXXX XXXX  since all requirements have been met and I know for a FACT barclays is sending out the signature version, because someone I know just received their card today.
I was an XXXX XXXX XXXX and was banking with Navy Federal, I opened I had XXXX open loans as well as a credit card with them, well I also applied for the loan protection that will cover me in case of loss of life or employment, anyways, I was released from militray service casue of force of reduction ( downsizing ) I had called Navy federal since XXXX 2015 till a few months ago I also communicated thru secure messge thru their websit, what irritates me is that when i was released fro XXXX XXXX I went ahead and call Navy Federal to inquire on what was needed, I called thru their XXXX number as well as secure meesage -- - I did what was told of me, then I found out that It was thru a XXXX party that covered the protection -- - I called them and they representative told me that NAvy Federal should of told me the requirements, with all the communication with NAvy Federal theu Private message and calling them, as well as a financial planner going thru my records, I was told by representative that I wouldnt qualify becasue i was at my 31 day and I nneded a documentation stating I was receiving unemployment -- - I feel that with the lack of informationfrom Navy Federal I was screwed andnow I have empoyment that salary is way less than military but now I have a huge amount of debt that I cant pay maybe in a lifetime
debt collection claims a debt from 2004. Is unable to state the source or the original amount. The were requested to stop phoning and to contact only by mail and to produce a copy of the original debt. Also the failed to provide a licence number for debt collection as per arizona law.
I have been doing my due diligence to pay off my student loan debt. I have been in constant contact with the department of education and debt management and collections. I was notified how much I owe and who owned my debt. I have been paying for nearly 9 months now and yet I have three different collection agencies ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Estate Information Services , LLC dba EIS Collections ) contacting me telling me I owe money. Each claims to be collecting a debt from Navient ( which is what I am currently paying ). The amounts are extremely high ( nearly {$100000.00} ) in comparison to what I have been told I owe ( a lot less than that ). 

The department of education has told me these are fraudulent and that the money is not owed and told me to contact Ombudsman who opened three cases ( today XXXX/XXXX/2017 ) and told me to turn it into the Consumer Financial Protection Bureau. These collection agencies have not only called and called and called me but have started harassing my family.
I am XXXX XXXX who bought a XXXX XXXX XX/XX/XXXX and between XX/XX/XXXX andXX/XX/XXXXXX/XX/XXXX. It was brought to my attention of the lawsuit against XXXX XXXX XXXX XXXX ( I didn't receive a letter ) Being XXXX XXXX and have purchased a XXXX during the timeframe stated. I am entitled to a repayment from a XXXX XXXX settlement because I wish charge higher interest rates then white car buyers I don't have an open account would XXXX XXXX XXXX XXXX based on the complaint against XXXX XXXX XXXX XXXX I am still in titled an eligible for a payment.
My information ( including social security number, DOB, name, and more ) were affected and exposed by the recent hack on Equifax.
I have {$1000.00} in overdraft fees now XXXX is mine but they let {$31.00} in overdraft fees to go thru in one month didnt notify me at all my account is with wells fargo bank
On   XXXX   XXXX   I notified  U.S.  Bank regarding a change in my insurance coverage. After a very unpleasant conversation with her, she was very rude ... and hung up on me. I called back supposedly spoke to a Supervisor who assured me the information was in the system even read back to me the name and date due of the new policy. I filed a complaint against the person who originally hung up on me, that was filtered and I was told would need to provide more information through a signed in account with them which I was NOT willing to do. Fast forward to today, a month later, I got an email stating my insurance was never paid and past due. So I called back and I was very upset, because I had already notified them a month prior and now I was on the verge of being unprotected and and at potential risk. I received the same rude customer service I had received prior so apparently this is a pattern with them and the same run around from the person on the phone claiming they did n't know, they never knew, never notified, never received a bill, etc. etc. Funny thing is I had called and talked to the insurance company prior to and they stated they sent  2 invoices one  original and  one  past due. Now I needed to AGAIN do their work for them while the whole time they hold my monies for these types of payments. When I asked for the monies to be stopped and I would just pay myself the person laughed and said I do n't have that authority because of the " type '' of loan I have. He also stated that they would only make one payment per year and this is why it was n't paid????
I went to XXXX to have my pearl necklace strung with silk and a XXXX yellow gold clasp. When I got it home I could not get it on so I took it to another jeweler who said it was not XXXX yellow gold but gold filled. I was so hurt. You ca n't tell if it is what you asked for unless it is appraised. I did everything she asked for and I even gave her {$390.00} up front as half of what she asked for even before the work was done. That is not customary. Then I gave her the other half {$390.00} when I picked it up. I disputed it with the Credit card company J.P.Morgan Chase they took off one XXXX then they returned ( 2 ) payments of {$390.00} even thought they only took one off my account. That was so mean when I sent them everything in writing and the picture from the other jeweler. I closed the account. I now owe them $ XXXX.- {$780.00}.
I became past due on my Discover Credit Card last year. In an effort to remedy the situation I agreed to allow Discover to automatically debit my checking account in the amount of {$140.00} for 6 months. In exchange for allowing this to take place, Discover agreed to credit the monthly interest and late fees for the 6 month period, place a one time credit on my account of {$700.00} at the end of the 6 month period, and to " re-age '' my account with the credit bureau so that the previously reported delinquent payment would be removed. This arrangement started on XXXX XXXX, 2015. After making the 6 on-time payments, Discover has informed me that they do n't have notes showing me the {$700.00} payment promise. However, they do have notes on my account that reflect the promise to re-age my account, but they refuse to do so with the XXXX major credit bureaus. After requesting that the recorded call from XXXX 2015 be located, I was informed that they were unable to do that. However, they would likely be able to get the call if required by the legal process. 

I 'm writing this complaint because it 's really disappointing that a financial company promises to do something, the consumer attempts to correct a wrong, and then the financial company does n't uphold their end of the bargain. I feel as if Discover took advantage of my willingness to pay and made promises they never intended to keep.
I asked for a Goodwill Adjustment and the loan company said they do n't offer this, now I am filing a complaint because I would like the late payments removed from my credit report. During the months I was late on my payments was due to me being unemployed which left me financially XXXX to do anything. I have now gained full-time employment with benefits which is why my payments have became normal again. I am trying to buy a home and need this removed as soon as possible.
On my credit report, afni posted a debt XXXX. I currently XXXX so I spoke with XXXX They told me that I am current and they do not show anything that has been sent to a credit agency under my name. I told this to afni but they continue to report it. I have all of my XXXX statements since XXXX/XXXX/2014 that I can access online also. Even though I had uverse longer than that, they only post a certain amount of statements online, each additional would cost me {$5.00}.
Received collection letter from Creditors Service Bureau regarding alleged debt, have previously been contacted by CSB regarding debts with no verification of debt, asked repeatedly to not be contacted by them & to remove all debts they have listed against me
I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished XXXX XXXX   inquires regarding all personal information.
I applied for a modification. I was denied based on Debt to Income Ratio and my income was not high enough. The data used by Wells Fargo is old and is not my current income. They have documents that are 5 months old. 

I am making a considerable amount of money since that last data provided. The appeal form was sent in and I have not heard from anyone.
This relates to an old account I had with the company. The account is fully paid ; as of today XX/XX/2018, the company owes me over {$300.00}. The company is holding on to my money and falsely, reporting to credit reporting agencies that I am delinquent. 

On XX/XX/2018, Hyundai reported to credit bureaus that I owe them {$920.00}. 
As of XX/XX/2018. They are no outstanding balances on my account. In fact, the companies owes me over {$300.00} which I am still waiting for.
Original Creditor, XXXX XXXX XXXX now known as XXXX XXXX XXXX, lease an apartment from them. Roommate broke lease. There is a fee to break lease roommate refused to pay after I paid my half amount. Was never contacted by them for remainder. Get a phone call from Hunter Warfield on XX/XX/XXXX for amount. Wanted to deal with original creditor. The original creditor refused my payment. Original creditor referred me to deal with collection agency. Requested verification of debt onXX/XX/XXXX. Debt was verified. Started to negotiation with settlement for original amount of {$1200.00}. OnXX/XX/XXXX letter was sent with amount of {$1200.00} with {$4.00} as interest. In original contract there is no interest. Debt collector is seeking to collect more than what is originally owed. In addition, tried to make phone contact on XX/XX/XXXX to settle account. Made phone calls at XXXX XXXX and XXXX XXXX with the phone number provide to me in a letter at XXXX. Hunter Warfield did not answer phone during normal business hours. In addition sent email to XXXXXXXXXXXX XX/XX/XXXX with no answer.
I am negotiating a Short Sale and XXXX is my servicer. I have received several offers but they never seem to go through. 
I believe that XXXX is using fraudulent appraisals to make the house appear to be worth more. The house is destroyed without a working heating plant, with no kitchen and no appliances and yet XXXX feels that the house is worth more than houses on my same street that are in move in condition. 
I have attempted to convince them but they are doubling down on their fraud.
On XX/XX/XXXX I logged onto the website to payoff my credit card balance in full. Using the options on the site I selected the radio button that reflected my total balance due. I paid {$8500.00} on that day to pay my balance in full. A few days later I received a statement and disregarded it because I paid off my balance. 30 days went by and I received another statement. This time I opened the statement and I was shocked to find that Citibank charged me {$130.00} in interest on XX/XX/XXXX ( approximately 6 days after I paid off my loan ), {$35.00} in late fees on XX/XX/XXXX, and another {$2.00} in interest also on XX/XX/XXXX. I called and spoke with a representative who told me there is nothing he can do about it. I asked to speak with his supervisor who promptly got on the phone and told me after speaking with Citibank directly, there is nothing he can do and all the charges are valid and I must pay. He refused to even waive the late fee. I asked him how is it possible for me to be charged interest after 6 days after I paid off the loan even when I used the options to pay the balance in full on the website and he could not give me an answer. I asked for this matter to be escalated to his manager. He took my information and stated his manager would call back within 24-48 hours, which did not happen. I would like for these interest and fees to be removed from my account so it reflects a XXXX   balance as I paid this in full on XX/XX/XXXX.
Discover credit card made an unauthorized balance transfer of {$25.00}, telling me not a word about it, just writing that they had thus resolved my dispute, when I first discovered the balance transfer, for which I had never asked. I have contacted the company no less than 25 times. Their so called Office of the President insist that they had investigated everything and all is in order. The last nonsensical letter has been received today, XX/XX/2018. WHO GAVE DISCOVER MAKE ANY BALANCE TRANSFERS FOR ME  WITHOUT ASKING MY PERMISSION? They must remove that unauthorized BT from my account immediately, and fined, SEVERELY, fo this fraud
A loan was supposed to be placed in in-school deferment and was not, despite assurances from Navient that the loan qualified. I contacted Navient both through their online form submission system, and via phone call prior to or shortly after enrolling in my final classes for graduation XX/XX/2015. ( In school period was XXXX 2015 through XXXX 2015 ). It was then reported delinquent to credit bureaus and has destroyed my otherwise good credit. I have a long history with student loans through XXXX XXXX / Navient and have had a great record of payment. I have attempted getting this resolved through Navient and have been told incorrect information, had the phone call disconnected, not received return phone calls or emails, and have had a dispute outstanding with them for over two months. Most recently I was transferred to work the dispute with their customer advocacy team and have experienced the same slow and lacking communication, no follow up on their promised deliverables or timeframe, and a complete misinterpretation and misrepresentation of the initial dispute I filed with them. This is causing extreme financial hardship as I have sold my home and am unable to qualify for a new mortgage because of the incorrect delinquent reportings on the student loan accounts. It has also caused financial hardship to the co-signers on those student loans. In addition to the in-school deferment issue, there was also an issue where several requests for due-date changes were never applied to the account thus resulting in additional delinquency reportings despite my best efforts to keep the account current. When the account was transitioned from XXXX XXXX to Navient is when all of the issues began occurring. Nearly every phone call I attempted to make to Navient at the start of the issues was transferred several times, often the call was disconnected, and I was provided incorrect assurances in several instances. I have never experienced a company so misleading and difficult to work with, and have never experienced so many technical and phone system issues. It is terrifying that they are in the student loan business. They have destroyed my credit, and I will be without a home and with no means of getting a loan in three weeks because of their inaccurate information and lack of responsive and responsibility in handling the situation.