WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I went into my XXXX XXXX XXXX Synchrony Account ( XXXX ) to pay my bill. I noticed that, although I had made the payment last month, there were still late fees even though my bill is due on the XXXX of the month and this was the XXXX. At this point, I contacted customer service via instant chat, and was told there was no late fee. When asked why I still saw a late fee, I was told by the agent there was no fee. He continued leading me in circles until I called. When I exited the chat, there was a survey ; however, once filled out, there was an Error 404 message. I refreshed the page and it took me back to the survey. When I resubmitted, the survey went through, but I was not given a chance to review and print my conversation. At this point, I spoke when an agent that explained it was a backlogged late payment. I made the full payment as required on the bill ( see attached ), and she claimed to have reversed a late payment fee. When I logged on today ( XX/XX/XXXX ) to make my payment for the month early, I noticed that the payment due was {$63.00}, nearly double the {$38.00} it had been when we started making payments. I then got on the online chat to see what the charge was. This agent claimed first that making the payment by phone was the only way to lower my payments ; when asked why online did not work the same, she said nevermind it would make the same dent in my account ( see attached ). She then told me there was a late fee. She could not explain to me why my bill reflected the {$150.00} payment due previously but then had a late fee anyway. She also claimed that the interest was reversed previously instead of the late fee, although I see the interest on my bill and the website shows a reverse in the late fee. Again, when I completed the survey negatively, it went directly to a 404 message, and when refreshed let me submit but did not give me the option of viewing the conversation. Luckily, I knew of this trick already so I had already printed and saved the conversation. This company has basically stolen money from us. Buyer beware! The five year plan may sound life saving, but it is definitely not.
JPL recovery solutions bought my debt from XXXX where I got the loan originally in XX/XX/2017. JPL recovery solutions has made repeated calls to my work. I have told them at every call to stop calling me. They called my bosses personal cell phone today as well. My bosses have also told them to stop calling our office. They have called friends and family and asked about me, they have all told them to stop bothering them but they still call everyday.
On XX/XX/XXXX and XX/XX/XXXX someone tried to gain access to my account. They fraudulently tried to use someone else bank account to pay off my balance and then use the available balance on the card. I was notified that my card had been restricted when I saw the same thing on several of my other credit card accounts. I made a police report and was told that this is a scam that had been going on. I notified Capital One and told them that I would be producing a police report shortly but I could n't because at the same time my city ( XXXX, Alabama ) had been locked out of their systems by a hacker who was demanding ransom and they could n't put any police reports into the system or even get into the system for that matter. As soon as I was able I got what I needed and sent it to capital one. I also turned over other police reports because I have been a victim of fraud several times before and I try to keep a close eye on my credit reports and things of that nature. I was told that I needed to pay down my balance and that after that they would re-authorize my card. I did exactly what I was told to do only to be told that they would not be reopening my account even though they had all the evidence that it was not my fault and that I was a victim.
Years ago, I used to have an account with U.S. Bank. My account got closed out due to overdrafts. Since that account got closed out and at that time, I was moving out from my childhood home, I never received any information that my account was overdrawn. In the beginning of the year, XXXX, I was a college student. I received a letter in the mail, from a collection agency saying that because of those charges and some other fees, I owed U.S. Bank a lot. I honestly was n't aware that it was a huge amount to be owed. Because of that letter, with help from my dad, we paid off the amount and the next day, I had received a paid in full letter with {$0.00} balance from the collection agency. 
It has been about 4.5 years later, I have been harassed by many collectors & even getting supposed calls from my XXXX XXXX. As soon as they say, " U.S. Bank, '' I always tell that the account has been paid off and I always fax the original paperwork. 
Last year, I was contacted by another collection agency ( around XXXX XXXX ) and was told that the XXXX collection that I paid off was no longer active due to fraudulent activity and they never reported the account paid in full. Of course, I was frustrated and inquired about what to do. They said that because of that, my account was still open and in order for it to be closed, I would need to pay. So again, I paid and I also received a paid in full letter with {$0.00} balance. 
Because of so many calls of collectors, I had to change my phone number. No more calls for about 14 months. Yesterday, I got another call from some supposed attorney 's office located in XXXX saying that my account was still open. Of course, I become more frustrated. Now today, I decided to check them out before I contact them for the next step and I found out that they simply lied, they are another Collection agency posing as a local attorney. 
I have contacted a local attorney, legit of course. He recommended me that all of these are just collection agencies trying to steal my money. I am very frustrated, irritable and very annoyed customer.
I have a loan that was on Identity Theft & fraud by XXXX XXXX XXXX that was not sign by me as the California All Purpose Certificate Of Acknowledgement was for  corrections & power of attorney for the instrument being the deed of trust. 

I did not sign nor was or appeared before the notary/notary agent on this document I have identity theft and fraud by the said parties XXXX XXXX & the notary/notary agent hired by them. 

Fraud & Theft on the instrument for the Deed of Trust
My name is XXXX XXXX, I am contacting you regarding accounts on my XXXX, TRANSUNION and XXXX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me. 

I would like them removed because they are fraud and do not belong to me. 
Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.
I am working with consolidated credit to resolve this account. I received multiple phone calls to the point of harrassment from XXXX. They have called atleast four times a day almost every single day since XX/XX/XXXX of this year. They have also called me outside of the sanctioned hours, for example, at XXXX and XXXX this past XXXX, and per your regulations, the XXXX calling hours are XXXX EST ( my local time ). I will advise them they are harrassing me and I may pursue legal action if they continue, but I am filing a complaint.
It 's disappointing to see the government complete business with an organization that has these alleged complaints. The ambitions of individuals pursuing educational opportunities is being toyed with by an organization that seeks greed. I 've paid close attention to my student loan account with regard to processing payment times, and also how the company did not return calls that I 've made to ask questions. Basically I 've seen the account holder take 3,4,5 business days to process payments I 've made on my loans. Meanwhile, more interest accrued on the principle that subsequently led to a higher repayment amount. Unfortunately I can not total all the extra cash that has been taken from my wallet because of the delayed processing times.The irony with this whole navient lawsuit coming out is that all the issues that I 've experienced with the company were resolved less than 24 hours after the story broke on national news. Processing payment times have reduced from the 3,4,5 days to 1-2 days maximum. Best thing, in a short while I will have my 30 year loan paid in 4-5 years and I will not have to do business with a company that reminds me of certain other companies that have sought excessive financial gain on unsuspecting consumers.
I have power of attorney on my mother 's charge card, # XXXX, and am on my mother 's checking and savings accounts. The branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, Bank of America adamantly refused many times to let me be added on my mother 's accounts. 
In XXXX I went in again and asked XXXX XXXX, personal banker and XXXX XXXX, Asst Mgr to let me move the points over from my mother 's charge card ( approx. XXXX ), worth about $ XXXX to my mother 's checking account and they adamantly refused. In fact, the Asst Mgr said I should have my sister just do it as she is a joint on the charge card but she does not have access to the checking account. My mother lives in an XXXX and has XXXX issues.
I tried to get a copy of my credit report on-line at annualcreditreport.com but it would not let me. I mailed in a paper request to Transunion with the required documentation. They never responded and I never got a copy of my report. I also wrote to them in XX/XX/2016 to ask them to put a fraud alert on my account. I never received a response.
Ditech mortgage will not stop charging for optional insurance long after it has been cancelled. I have a cancellation letter dated XX/XX/2017 and the optional insurance continue to be billed. Even though the insurance was just {$33.00}, the non-payment generates late fees and causes the mortgage payment to appear on the mortgage statement as " suspended. '' In reality the optional insurance is paid to the XXXX. The cancellation letter goes to me but it is unclear how Ditech is informed. This much is true, when I called Ditech on XX/XX/2017 and talked to XXXX and then to XXXX to complain about the continuing charges, late fees, and late payments due to their " suspensions '' I was told that XXXX is responsible for the charges not Ditech.
1 ) Obtained Ford auto loan - both of us with XXXX credit scores, made XXXX payments on time. 40 years of sterling credit/NOT XXXX LATE PAYMENT. 
2 ) My husband signed up for paperless, payments were made monthly online and on time. 
3 ) My husband died and I continued to use his log in and made the payments, in addition to notifying Ford Credit of my contact information and his death. 
4 ) I made the final payment on time, with a typo ( they are claiming ) for exactly {$100.00} less than the required final payment. I did not realize it was deficient until my credit score plunged by XXXX points. I immediately paid the {$100.00}. 
5 ) No notification to me ( even though they had my email and home addresses along with my cellular ) that the partial payment was " late '' as the account had been placed in the " death committee '' and I could not obtain information regarding the late payment. This was even after submitting his death certificate along with my appointment by the Court as his personal representative and my passport information. 
6 ) After hours on the telephone over a several day period to different departments, I finally convinced them that I was the person with the responsibility and right to information. They were going to send me proof of the 5 years of payments and my early submission of the final payment, even though it was deficient by an innocent error. I HAVE NEVER RECEIVED ANY INFORMATION FROM FORD CREDIT AFTER MY REQUEST ALMOST 2 MONTHS AGO. 
-Is the credit providing company required to send " late payment '' notification? 
-I know that Ford Credit will allow a " forgiveness '' to an unusual late payment for good credit. I could not get to them in time because they closed out the account during the time I was in the " death committee '' and before I could convince them that I had the right to work with them. They kept transferring me to the " committee '' that would not speak to me or give me any explanation.
XXXX is more than 7 years old and was supposed to be removed from my credit report. someone must have shared or bought some information because that debt should have been removed and it was not.
I have a student loan with the company ACS based in XXXX, NY. I have been unfairly charged interest amounts due to lack of attention to my account. I have also been denied the ability to pay in a timely matter. I have served in XXXX XXXX and I have been given money to pay my interest payments while in service. ACS has not accepted the payment action requested by XXXX XXXX to issue the interest payment. My first request was in XXXX 2016 and I have been dealing with customer service reps that have told me that they have not received any request. I resubmitted my interest payment request XXXX XXXX, 2016 with a rep on the phone and was told to wait 2 weeks. Today is XXXX XXXX, 2016 and there was still no action taken on my account. I was once again met with " We have no request on file ''. I asked to be connected to a supervisor, I was connected to XXXX XXXX. She was able to find the request and told me that it was being audited. When I asked the following questions I received the answer " I Do n't Know '' each time. Question 1- Why have your reps not been informed of this audit? Question 2- When will the audit be completed? Question 3- Will it be completed while I am still able to use my XXXX XXXX XXXX? I then requested to speak to her supervisor and was connected to XXXX XXXX. Her response was I ca n't tell you any more than XXXX.
I represent a client and am doing work for her on her finances, credit, and debts. 
I received a call from someone saying that he was a friend of my client and wanted to know what services I provide. He mentioned my clients name and asked if I knew her. I confirmed I did. I explained what services I provide. He then said he was unsure if he could work with me. I asked who he was and he did say he was with Van Ru Credit Corp. but would tell me no more. I asked " are you debt collector '', he said " he could not answer that ''. I asked " are you attempting to collect a debt '', he replied " he could not say ''. The call was then terminated.
Company : Goldman Sachs Bank USA Issue : This company is intentionally limiting the manner in which I can access my own account data. I use XXXX XXXX for budgeting purposes and this platform provides significant support in my pursuit for financial wellbeing and effective money management. GS Bank unilaterally made the decision to block XXXX 's access to any GS Bank account data, which prevents me from accessing my savings account data in the XXXX platform. This causes me to have an erroneous view of my holistic finances, which can lead to my making decisions that will be detrimental to my finances. 

The access denial is not even across the board for all aggregators. GS Bank permits XXXX XXXX ( XXXX ) to access account data while they refuse XXXX 's access to the very same data. I contacted GS Bank on XX/XX/XXXX requesting that they stop blocking XXXX 's access. They provided no response to me and did not lift the block. I sent another follow up message on XX/XX/XXXX and have, again, received no response and still am unable to connect with my account data through XXXX XXXX. 

I am closing my account with GS Bank on account of this and request that the CFPB investigate the unsound practices at GS Bank based on no identifiable logic whatsoever. Furthermore, I would like to see stronger guidance from the CFPB pertaining to aggregation and consumer access to data. I am fully aware of the risks that I incur by sharing my credentials with aggregators ; however, this is my decision to make and it is my accounts from which money might be moved should malicious actors breach an aggregator 's security and obtain user credentials. I knowingly accept these risks because the personal financial management benefits I get from aggregation services far outweigh the risks in my current financial situation. Ideally, the CFPB will mandate that all financial institutions over a certain size ( that are therefore financial capable of building out the necessary infrastructure ) implement oAuth and API-based data sharing so that customers like me can more securely access their data on their terms in the places they want to. 

Consumers beware, GS Bank thinks they know better than you what is best for your financial wellbeing. Or worse, they do not care about helping you achieve financial wellbeing and care only about limiting their potential liability, even though this can be done through terms and conditions presented to customers.
My name is XXXX XXXX. The credit bureau is refusing to remove a collection record from my report that is not mine. It is being reported as a paid debt but I have never had any business dealings with this company. I have never been called by them, I have never received any letters or notices from them and I have never paid them any money. There is no reason for this to be on my credit. The account name is under " XXXX XXXX '' with account number # XXXX. It is reported to have been opened since XXXX 2016. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. Last week, I took it upon myself to call XXXX XXXX and spoke to their representatives and a supervisor. It turns out that the personal information on this account does not match mine besides a very similar sounding name. They were not able to give out any more details because I was not the verified person on the account. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. If I am being told by the source of this information that this is not my account, why does the credit bureau continue to report this to my credit? I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake. This is the reason why I am filing this complaint.
For several months, I have been receiving calls from XXXX at Green Tree ( XXXX ) looking for an " XXXX XXXX. '' I have told him repeatedly that he has the wrong number and to stop calling me yet he continues to call me and question me of whether I know XXXX or not. Once he even left a message saying he needed to confirm the vacancy at XXXX XXXX XXXX. I do n't know XXXX XXXX but it 's concerning that XXXX is quick to give out confidential information like this. Just this month, I 've received calls from XXXX at Green Tree on XXXX, XXXX, XXXX, XXXX on XXXX, XXXX and today. I have saved all voice messages from him this month as I refuse to speak to him any more. Please make this company and gentleman stop calling me. If you are not the correct place to contact, please point me in the right direction.
Equifax I found another dispute that you failed to investigate with in the time 30 day time frame that you have to investigate I kindly ask you to please this dispute from my credit file This one is going to be confirmation XXXX open on XX/XX/XXXX 17 and it should have been completed XXXX 17 could you please have this item delete from my credit file as you failed to complete your investigation see attached document line 14 from the Bottom down. Thank you so much
I was out of work for a couple of months and I fell behind on a lot of things and my XXXX XXXX loan was one of those things. Now that I'm back to working I've been trying to catch up. So, on Wednesday XX/XX/2018 I received a group text message from a representative from XXXX XXXX by the name of XXXX. The text message stated " This is XXXX form XXXX XXXX. I have to have one full payment today or collections has requested start of legal process for judgement/wage garnishment. Please call me XXXX '' Although, no names were mentioned in this group message we know with today 's technology it's not hard for anyone to find out who the numbers belonged too. I'm not trying to diminish the fact that I owe XXXX XXXX because I'm well aware of that. I do have a major problem with my privacy not being protected. This issue has caused me embarrassment and major XXXX.
XXXX XXXX billed for six years then turned to cll. agency afyer I paid them without missing a payment for over six years!
Note : This complaint does not match exactly XXXX of the choices above. I selected the closest XXXX. 

I have attempted on multiple occasions to initiate a dispute about an item on my credit report online with Equifax. Each time I try, I enter the correct identifying information and get a message stating the following : '' The information you provided does not match our records so we are unable to process your request online. Please FAX your dispute and a copy of your driver 's license to XXXX XXXX. " I see XXXX problems with this. First, if I am submitting a new dispute, how could my information not match their records? Second, no reasonable person would submit personally identifying information, including their driver 's license, to a fax number without some level of confidence that it is legitimate. If the system can not recognize my correct information, I have little confidence in a fax number. 

My impression of the Equifax Online Dispute system is that it is functioning as Equifax wants it to : It limits the number of disputes that can be submitted online and discourages alternative methods of submission with vague instructions for faxing personally identifying information to an anonymous number. 

Furthermore, when I click the link on the dispute submission page for the FCRA, I get an " Untrusted Connection '' message, which further discourages people from learning about their rights as consumers under the FCRA. 

I have seen numerous reports of the same problem with Equifax online by other consumers. Please add my name to the long list of people who have voiced their frustration with Equifax, about this issue and many others.
XX/XX/17 a dispute was filed to Trans Union and XXXX  for a federal tax lien in the amount of {$11000.00}
I had an account with Hyundai motor finance that I paid on time monthly. Once I turned the car in, I submitted the final car payment. ( Final payment in XXXX- paid twice that month ). I was subject to fees ( over mileage and disposition ) which I ultimately paid as well but were not part of the revolving payment. 

Hyundai reported to credit bureaus that I paid my monthly installment late and that I settled for less than the amount owed- both inaccurate. I can not get someone at Hyundai to speak with me about this.
I 've disputed a XXXX debt with XXXX, Equifax, and XXXX more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my Equifax credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.
They will not respond to any of my disputes. 
XXXX XXXX Bank for {$370.00} is showing as an open collection. This was a credit card that was closed / charged off, as well as previously deleted. Therefore, they ca n't still collect it or show it as open.
Did n't authorize check through these creditors : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I HAVE NO IDEA WHO AUTHORIZE CREDIT CHECKS FOR THESE CREDITORS.