WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a credit card with XXXX, XXXX XXXX XXXX, and XXXX all on the same day. I received the adverse letters and my credit scores are reporting differently with all XXXX companies. XXXX stated Equifax Credit score is a XXXX. XXXX XXXX stated Equifax Credit score is XXXX. XXXX stated my Equifax score is a XXXX. Why does the same credit reporting agency report XXXX different scores when all three credit cards were applied for on the same day?
AES has had a consistent habit of withholding information, giving vague or elusive responses and going so far as hanging up during phone calls after receiving a very sharp attitude. I have given ample evidence of my financial hardship and many of the incentive programs were not related to me, or at best were vaguely given, with a very harsh/dissuasive post-note. I receive conflicting information from customer service representatives, the methods of communication are not consistent and there is no quality representative I can speak to concerning the attitudes of the customer service reps. Overall, their quality of work is abysmal and their attitudes are unprofessional, contradictory, unhelpful, discouraging and even antagonistic. I feel that many opportunities ( such as IN SCHOOL FORBEARANCE ) has been avoided due to untrained staff relaying inaccurate information and I still have no idea what are my rights and promises under their assistance. To be quite honest, I find the weight of these loans **UNLIVABLE** and there are so few alternatives to repayment methods presented to me and such unprofessional responses when trying to investigate said methods, that self harm presents itself as the only viable solution. Emotive responses aside, the core of my problem is an untrained staff that does not present available options for their repayment services.
Trying to put a Fraud alert on account with Experian. I called last week, held on forever never did get to talk with anyone. Called this morning got an offer for 100 dollar certificate, could not get past that advertisement. Called # 2 this morning Go through I think it was 4 offer of free junk. NOTHING IS FREE NOT EVEN FREEDOM ITSELF. ( 100 % DAV ) Someone answered asking about another 100 dollar certif. I kept telling them not interested. Plus they said that certif. would be a little charge. My response not interested the lady did take my name -- what for I do not know.. Told her I wanted to put a fraud alert. This just happened to be experian. Tried third time answered questions to the computer about more advertisement Put on hold hung up or cut off. Who know what world those computers live in. I saw a story the other day complain to their supervisor, can not seem to get the head honcho computer. I need to also place a freeze on all the credit companies. HA every ones info. will be on the market before anyone can get through. Thank you people for caring, and your service to the American people, even the NFL. Thanks -- XXXX
I signed up for the American Express Platinum Card XX/XX/2016. AmEx automatically enrolled me in their Travel Insurance Program without my ever signing up for it. AmEx then charged me {$19.00} when I bought a flight ticket from XXXX XXXX. When I saw the charge I disputed it and asked for a complete refund as I had never signed up for this insurance. However AmEx refuses to refund it and is making me run from pillar to post. I have already disputed it three times with AmEx and chatted with their customer service reps. They keep passing the buck to someone else and waste my time.
I applied for help with car repairs. You have 90 days to pay off with no interest on the loan. The loan company left out that if payment is return all the interest roll back on your account. My bank return a payment to them. But with in week the company put back though my account. It was payed. So check my balance. because this month. I was paying off. I only owed {$300.00} dollars. Because the return check they throw out the deal charge me all that interest and fee. They told me it was void out. I told no body told me that. She said its in my paper work. I didnt know that. Thats how they make there money. Thats not fair. I will never deal with this company again. I have been on time with my payed. This was the first time. This company sucks dont care about there customers. This company suppose help you not harm you. Now am owing {$420.00}. This is not fair. They should be shut down just paid loans.
XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. ARE FELONY RICO CRIMINALS, SO NOW XXXX XXXX SELLS MY INFORMATION TO ANOTHER CREEP THAT CAN NOT PROVE ANYTHING, WHERES THE MINUS SIGN THAT WOULD SHOW A NEGATIVE BALANCE, YOU XXXX XXXX ARE SO STUPID, THERES SUPPOSED TO BE A MINUS SIGN IN FRONT OF THE NUMBER YOU XXXX XXXX furthermore i will swear under oath by penalty of perjury there is no debt, are you willing to do the same? in other words if the two criminals mentioned above are able to swear by oath under penalty of perjury this debt is valid and sign thier name to the affidavit i will pay them the full amount, they cant do it and WONT DO IT BECAUSE THIS IS ALL A SHOW, ITS PRESUMPTIONS AND LIES AND DECEPTION, THERES NOT EVEN A SIGNATURE FROM THE CLAIMANT, YOU GOT TA BE KIDDIN ME YOU XXXX XXXX XXXX
While in the XXXX room at XXXX XXXX XXXX, I signed a form to use indigent funds for I had no insurance or job. they kept me in XXXX overnight. That is where this {$450.00} charge is from. I was unaware they were going to charge me especially after they told me the government fund would take care of my charges. I never would have stayed if I had known. Incidentally, they found nothing wrong with me and I had to go to my pcp to get treated. This collection is on both XXXX and XXXX.
Got a mortgage loan through Franklin American Mortgage Company. Original and very first statement on XXXX/XXXX/2016 for the amount {$1200.00}, which i already paid check number XXXX, enclosing copy check from the bank, and it was showing cashed clearly. 
and on XXXX/XXXX/2016 i received a new mortgage statement. I did write several letter, faxed, and even called all of my documenations to them inquired about the check # XXXX for the amount of {$1200.00}. Because i do n't this check was credited anywhere on my account ... However, Franklin American Mortgage Company did not answer nor responding to my inquired letter, and my issues still not resolved up to today ...
I attempted to settle the debt with IC Systems for XXXX in the amount of {$XXXX}, I had offered the 40 % of the debt, a women named XXXX offered me a settlement of {$XXXX}, I advised her I would call back. I attempted to settle the debt at {$770.00} and asked them to remove it from my credit report, I spoke with an employee by the name of " XXXX '', who I asked to send me a settlement letter by fax, or email and he advised that they do not do that, that it is sufficient with the recorded call. I asked him a XXXX of times if he was making it clear that he could not do that for me and he offered to get a supervisor, we disconnected the call. Today on XXXX/XXXX/15 I attempted to settle this debt again and this time an employee by the name of " XXXX XXXX '' helped me, I advised him that i wanted to settle the debt but I needed a settlement letter, I advised him I had problems with that in the past, he stated they dont do that. I advised him that I would put in a complaint with the CFPB, he stated " ok go right ahead '', our lawyers have advised us that we can take this action. I repeated myself, asking him on the recorded line " that if I was hearing correctly and that he was not going to provide me a settlement letter '', he stated that his office lawyers have things handled. He then asked me what lawyer I was going to use, I advised him, that it didnt matter and that I was filing a complaint. Then the call was disconnected.
I have enrolled START Smart savings Program ( with US Bank ) in saving Act # XXXX I reached my goal, but did not receive reward as in the ads. They say because I had receive gift card 2 or 3 years ago but their ads of my rewards is Account Credit, so they are different programs, and every month I receive statement, there was print out that says I will receive reward just continue save, during the course of last year saving I have from time to time ask the US Bank over the phone whether I can get the reward the answer was always Yes.
No one from the bank, has told me that I did not eligible for it.
I have attached the copy of the Ads and copy of my last statement
Calls, sends bill for doctors I never seen. Look up and find numbers are scams. I checked and all bills are paid from my services. 
Check internet and see they have different tel # and names. They call under numbers : XXXX XXXX
This company repeatedly calls me before XXXX XXXX They call from different numbers and do not leave a message. I have yet to receive a debt validation notice via the proper channels i.e. Via mail. I have no idea. Why they are calling and harassing me. I have blocke several numbers and then they call from another number.
Citibank advertised the promotional bonus in XXXX stating that after 30 days of satisfying the deposit requirement ( of new {$15000.00} ), {$400.00} bonus would be deposited in the customer 's account within 90 days. I opened a checking account and deposited {$15000.00} on XXXX/XXXX/16. As of XXXX/XXXX/16, it has been 120 calendar days and I still have not received the {$400.00} promotional bonus. I called customer service to open an investigation. I checked back today and was advised a letter will be sent to me in regard to the bonus. I still have not received the {$400.00} promotional bonus as promised by Citibank.
Short-term forebearance. Lasts around 3 months, then calls about 3-4 times a day. 
Unwilling to lower payment amount. 
School closed down. Was essentially strong-armed into taking only private loans as the financial aid advisors told me I could n't qualify for any other financial aid. Was made to renew every semester with the claim " you do n't sign it, you ca n't continue/graduate '' Did n't receive diploma until loans were paid, even after graduation. 
Was told I could n't get forebearance, then told I could. 
Non-stop calls once forebearance/deferment ends
Advanced collection bureau has repeatedly changed the date first reported for the XXXX XXXX XXXX debt on my report. The date of first delinquency is wrong. This account should no longer be on my report.
Hello, My complaint is two-fold. 1. I sent them an email in regards to being a veteran and not paying PMI or MIP. I was told to call XXXX and have been unsuccessful. Therefore no results. As a veteran it is advertised that a veteran pays no PMI or MIP. I purchased the house in XX/XX/XXXX and became a XXXX in XX/XX/XXXX. Bank of America was aware of my status since I gave them notice. I have paid PMI or MIP since XX/XX/XXXX thru XX/XX/XXXX. Can you help? <P/>2. I make advance principal payments to pay down my mortgage. I rec 'd a letter reading that I do not have to make a payment till XX/XX/XXXX. As of today I have paid advance principal payment through XX/XX/XXXX. Therefore the year XX/XX/XXXX should show up on my amortization schedule. What reads on my current amortization schedule is XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As I continue to plan on making advance principal payment the normal reading of my amortization schedule should start reading the amortization starting XX/XX/XXXX as of XX/XX/XXXX. Can you help? <P/>CFPB has helped me in the past and did an awesome job and you were able to obtain just results for me. <P/>Thank you, XXXX XXXX
CAPIO PARTNERS LLC has reported to all three major credit bureaus ( XXXX, XXXX, XXXX ) on XX/XX/2018 prior to allowing me to validate this debt of {$880.00} which is a violation of the Fair Credit Reporting Act. Reporting of this debt to the credit bureaus prior to validation allows me to seek damages from the collection agency, which I intend to do.This company is practicting UNJUST ENRICHMENT, because reporting any invalidated information to major credit bureaus may constitute defamation of character. I have filed a complaint with XXXX, Georgia Department Of Attorney General, etc.
I contacted Coinbase on XX/XX/XXXX  to move my funds from one vault to the new vault I created. The reason I created the   XXXX   vault is because I lost access to the  XXXX  email address on the first vault.
I am unable to access my funds in the default "   XXXX   Vault '' due to this problem. Their instructions are clear in stating that if you have lost access to your  XXXX  email address, simply create a new vault and ask support to transfer the funds.
I received a reply from Coinbase on  XX/XX/XXXX  stating they would respond within 72 hours. It has now been almost 3 weeks and I am still waiting for help.
My account is in good standing and I have verified my identity.
I have disputed this account with all three bureaus with no resolution. I 've sent numerous letters to each bureau asking for validation and verification of this debt because I know that it is n't my debt. I 've also sent a letter to XXXX XXXX  XXXX asking for Validation and Verification. I received a letter that was sent to me asking for payment from Portfolio Recovery. I have did everything short of filing a police report concerning this debt. It is preventing me from starting my home buying process.
Equifax has proven that it is grossly negligent in handling my very sensitive, personal information. This is particularly distressing because by the nature of their business, I have no control over being their " customer '' or not. 

Besides that, their most immediate course of action to remedy this disaster was to rather sneakily try to trick me and other consumers into allowing us to shield them from legal consequence by tucking an arbitration clause into their offer of free credit monitoring terms of service which is n't even displayed on the same page that you sign up for said monitoring. It all stinks of rather underhanded tactics, to me. 

This company deserves to bear the FULL burden of consequences for having endangered nearly half the adult US populations ' personal info.
Nationstar Mortgage , LLC is a debt collector. Nationstar Mortgage , LLC did not send any notice to my husband or to me regarding the alleged debt. Neither my husband nor I have ever received any communication from Nationstar Mortgage , LLC under the FDCPA section 809. We are disputing the debt in it 's entirety and require a copy of any judgement, as well as a verification of the debt, which would include the name, address and telephone of the original secured lender. My rights as a consumer have been violated and under the Gramm-Leach-Bliley Act, my privacy rights and information have been breached by Nationstar Mortgage , LLC.
I prepared a letter to  XXXX   XXXX   XXXX  dated  XXXX   XXXX ,  2017 to complain  about the horrible treatment regarding a mortgage refinance. As of today I have not received a letter regarding my concern. Out refinance loan  was denied. However, we did not receive a letter indicating the reason for their decision. I am very disappointed in M & T Bank because they have not responded to my concern in my letter. We have a mortgage with M & T and we completed an application for a lower interest rate, thus a lower monthly payment. I am sadden by their treatment to me and my husband. I requested a letter from their mortgage section a letter of denial. As of today 's date we have not heard anymore from M & T B ank.
Wellsfargo acct number XXXX XXXX XXXX. This bank has been applied my payments for XX/XX/XXXX to XX/XX/XXXX to the wrong account. I am willing to pay the amounts due and late payments.
I received a call today from a " XXXX XXXX '' at UCRB - no website exists nor address. They said something about an unpaid debt/ bad check? I looked on my credit report that shows nothing associated with them. I XXXX the phone number and have been reading up on all the threats and nobody can seem to find out anything about their debt or who the company is. If it is a legitimate company - they are contacting family members on their first attempt of contact. I have not received any notifications via mail and my bank account has a zero balance and has been closed since 2013. Please look into these people. They are preying on a lot of people and making phone calls to people 's work, family members, friends, etc. Also, XXXX stated that they are " sending a courier unless I call back and make payments to them. '' Sounds extremely sketchy and these people need to be investigated.
My XXXX year old son and I initially contacted Equifax XX/XX/XXXX about placing a security freeze for him. After some back and forth and no substantive response from Equifax, we called again XX/XX/XXXX and were told that it's not possible to create a security freeze because he is over XXXX years old and does not have a credit file. We were told that once he has credit, then they can place a security freeze. 

I told Equifax that XXXX  and XXXX  were able to place a security freeze by creating a credit file for my son and then placing the freeze. XXXX is the only company that won't do this. Equifax indicated they are in compliance with regulations. 

My complaint is that there is no way to fully protect my son 's credit if Equifax won't freeze his credit. I question if they are in compliance with regulations. If Equifax is in compliance, they should protect consumers like the other companies do. Especially since they were involved in one of the largest data breaches ever.
I called and spoke with a women representative early in the day before XXXX   CST, around the XXXX. I was unable to resolve my issue with the representative about my login to my account issue. I tried to reset my account and my set up answer and password were not recognized. The BlueBird.com ( AMEX Corp ) representative told me she could not give me information over the phone even if she was directly speaking with me. It is very frustrating that my account username : XXXX could not login to add funds as a preferred than going to XXXX to add money. I intended to add only {$2.00} to test the card out to see if this Blue Bird prepaid card/account would work for me. So far, it seems very inconvenient, as I had hoped. Should my issue not be resolved with online account login and my original password and answer to my account security question can't be reset, it seems I wont be able to use BlueBird prepaid card and simply use a local bank.
Denial of Service, I have had this Equifax Service for over 5 Years, I recently had changed it to a FAMILY Plan and had Disputed some of my Files Online. 
They continue to charge ME but deny me access to my Credit Reports. 
In paid for unlimited access which you can refresh Daily. 
Every time I call my calls are routed to XXXX? 
I had identity theft and I am trying to resolve but it is not easy when the very people that are supposed to investigate do not investigate thoroughly. 
Equifax wants me to submit various forms of identity to them but I feel they are part of the problem since my personal information gets sent to XXXX!! 
I have provided all my information over the phone but they still deny me for a PAID service and it is hard to cancel over the Phone.
I was told by a customer service agent that I needed a copy of the police report in order to have this account blocked from my report- I 've provided that numerous times and it is still showing on my report. Please block this creditor ; I 've been telling Equifax for nearly three years  now that it does not belong to me!
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.
I had an XXXX XXXX Visa Card issued by Bank of America. The annual payment came due in XXXX XXXX and I decided that I no longer wanted the card. I contacted BoA customer service in XXXX XXXX and after their several attempts to retain me they agreed to cancel the account. On XXXX XXXX XXXX I received a bill for the annual card fee. This bill contained a BofA late payment warning fee. I immediately called BofA and determined that, although they cancelled my account, they did not cancel the annual fee and have been reporting my account as past due to the reporting agencies. I spoke with XXXX XXXX at Bof A ( XXXX ) and she assigned case no.XXXX. She assures me that my account will be credited and that the credit reporting agencies will be notified that there was/is no late payment.
XXXX  is reporting  XXXX   XXXX  as a duplicate account already paid and closed.
I signed up for a Citi Gold Checking account online and entered a promotional code ( XXXX ) that I was mailed in a credit card statement. The promotion stated that I would receive XXXX XXXX XXXX after completing bill payments in two consecutive months and completed debit card purchases totaling over {$1000.00} in 90 days using the Citi checking account. I received verification during the online application process that I was eligible for the bonus and checked again with a representative a few days later. A month after applying online and completing the promotional requirements, I received confirmation from a Citi representative ( XXXX/XXXX/2015 ) through secure message that I had met the promotional requirements and the representative stated I would receive the promotional offer within 90 days. On XXXX XXXX I inquired to the status of the promotion and was given a wait time of 30 days before the miles posted. On XXXX XXXX, I again inquired to the status of the miles and that 's when Citi stated they needed to perform a investigation to determine whether I was eligible for the promotion. On XXXX XXXX I received notice that I was indeed eligible and all Citi needed was my XXXX account number. I supplied the account number and received another notice on XXXX XXXX indicating another investigation needed to take place to determine the status of the promotion. 

Frankly, this run around is getting ridiculous and I 'm tired of being promised something XXXX day and then the next day the story changes. I 'm not sure how a bank can possibly operate in this capacity and expect to maintain customers. I 'm hoping that this CFPB complaint can bring this mess to a close and I can move on to bank who does n't trick their customers.
I sent XXXX USD to Coinbase via a wire transfer on XX/XX/XXXX. I have not received it not has it been returned. I have opened tickets and called them, but they have given me the run around. This is scam behavior.