WillisBack/dataset-financial-user-claim huggingface dataset:
DEAR CFPB, Equifax 's huge data breach exposed our credit account and resulted in our information being exposed to potential theft. While Equifax has offered its " Trusted ID '' account protection services, it has made signing up for this " free service '' virtually impossible. There is a limited time frame within which customers can sign up for this protection ( why is there a wait at all, or a limit on how late we can sign up, when we know our information is exposed? ). When I finally received the alert that I was permitted to sign up for the Trusted ID service, the service signup did not work online. A one-line apology on the website and XXXX number provided to resolve this problem also has also been a dead-end : no one answers or even gives an estimate of wait time. Using other phone numbers on the Equifax website also do n't allow us to talk to a person. There seems to be no way to communicate with Equifax about this. 

This is a joke. Is Equifax unaccountable for this crisis? We can not be assured that there is any protection on our account even though we have confirmation from Equifax that our information is at risk. Our personal information is totally out of our own control. This is OUR personal data. How did this country get to a point where a private company can hold our personal information hostage, and we do not have the right to access and protect this information WHENEVER WE WANT? Being allowed to access only ONE free credit report per year from each of the three credit reporting companies was already unacceptable to many. Now, the situation with Equifax is untenable. With its sub-par communications to customers affected by this data breach and its failure to provide immediate account protections, Equifax shows outrageous incompetence, irresponsibility, and insensitivity.
Recent refinance with existing bank Wells Fargo using the online website offer. Current rate 5.5 / approved for 3.5 rate. Filled out all documents told will get info in mail. Two weeks, nothing. I call my customer service rep, my application was cancelled due to lack of information. All required documents were provided, however a tax doc did not scan properly, I never got a call or email about this or I would have immediately resent necessary docs. Now process has to start all over again with new customer service rep # XXXX - I resend all, speak with her about the rate 3.5 that was locked in until XX/XX/XXXX. Packet arrives few weeks later, rate listed on paper work is 3.75- I immediately call leave voice mail. No return call 3 days later leave another message, no return call - email situation. Finally get name of manager, leave voice mail, he also never calls me back. Now weeks have passed and the offer originally quoted & agreed of 3.5 has lapsed. 
Get name of XXXX manager and he agrees I should have gotten 3.5, he will contact underwriters to get paperwork out to me. Paperwork arrived same 3.75 rate. 
Now at this time we are into another month. Told best rate now is 3.6 - I verbally agree to 3.6 - paper work arrives XXXX/XXXX/16 same rate of 3.75. This process took so long that my rental property I am trying to sell in short sale, has started foreclosure proceedings. This is now on my credit report & getting another lender is almost impossible. The process from the start was bait and switch. The original quote of 3.5 should have been honored but was NOT & to my knowledge never was going to be honored, this was the hook, then the 2.5 % increase on final paperwork was the end CON.
Company sent me a collection letter mid XXXX 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on the letter. She was unable to speak with me as the information didnt match. <P/>When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.
XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . TX  XXXX  PURSUANT TO YOUR LETTER DATED  XXXX   XXXX    XXXX   IN WHICH YOU FINALLY ADMIT YOU ARE A DEBT COLLECTION ACGENCY TRYING TO COLLECT A DEBT, THIS MATTER HAS BEEN FINALLY CLEARED UP, ALTHOUGH IT BY NOT MEANS RESOLVED.   XXXX  WHAT YOU HAVE DONE TO ME F OR TWO ( 2 ) YEARS HAS BEEN ILLEGAL. SEE ATTACHED. I WILL ADDRESS RESOLUTIONS LATER IN FUTURE COMPLAINTS AND IN FEDERAL, STATE AND PRIVATE LITIGATION.    XXXX  THERE IS/WAS NO REVERSE MORTGAGE FROM " ONE REVERSE MORTGAGE , LLC ''.
On XXXX/XXXX/15, I completed the terms of a settlement agreement offered by chase on my account ending in XXXX, but it was never appropriately reported to the credit reporting agencies. When I made my payment of {$730.00} to settle the account I was informed that chase will report my settlement to the credit reporting agencies reflecting a XXXX balance due. However, my credit reports are still noting a balance of {$970.00} even after I called all 3 credit reporting agencies to dispute account/presented the proper documentation and also called and spoke with a representative of chase to report the issue but I informed it was going to take more time to get resolved. This issue is affecting my credit scores and my ability to get credit at this time.
I had several bank accounts and credit cards with Chase Bank, all of them were set up on estatements. In XX/XX/2018 I noticed a {$3000.00} withdrawal from my savings account and did not recognize it. I immediately called Chase and was told that my online banking was compromised and they needed to close down my checking, savings, and online banking profile. I was told the credit cards were fine and did not need to shut those down. They gave me a list of things to do to regain access to my online banking ( like get updated anti virus software ) and was told I would be getting paper statements for the credit cards going forward.

In XX/XX/2018 I had not received a paper statement for one my credit cards ( Card XXXX  ), but I knew it had a ~ $ 3k balance. I called to make a payment by phone and paid {$1500.00} and asked to have paper statements sent to me since I had not received a statement for this card. I was told they would send that.

In XX/XX/2018 I still had not received a paper statements for card XXXX. I called the automated line for the bank and made the statment balance in full ( ~ {$1500.00} ).

At the end of XX/XX/2018 I was finally able to get everything completed to satisfy Chase 's online banking team and they signed my up for online banking again.

In XX/XX/2018 I received an alert saying that I had a 30+ day late payment on my Chase card # XXXX. I checked my online banking and all credit cards were up to date. I called Chase and they told me that card # XXXX was " hidden '' from my online banking and they linked it to the account. In XX/XX/XXXX I received a {$19.00} interest charge after I paid the statement balance in full. Since I did not receive statements after that date and the card was removed from my online banking, I did not know that it still had a balance. After contacting Chase they told me they could not remove the late payment from my credit bureau because technically they were sending me online statements still ( even though I did not have an online profile ).

So, to sum it up- from XX/XX/2018 to XX/XX/2018 Chase did not send me statements for my card # XXXX, even after requesting repeatedly to send them to me. Once Chase granted me online access, that card was not on my online banking profile. During this time they did not send me any emails, call me, or mail me notifications.
XXXX is reporting on all 3 credit bureaus as a negative debt. I sent a letter to national credit systems to verify the account on XX/XX/2017 and the has not validated the account nor verified the account. I would like the following to be verified. *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Provide a verification or copy of any judgment if applicable ; *Identify the original creditor ; *Prove the Statute of Limitations has not expired on this account ; *Show me that you are licensed to collect in my state ; and *Provide me with your license numbers and Registered Agent. If National Credit Systems offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Thank You,
The company in question ( Capio Partners ) sent a letter requesting payment for a debt that they had purchased in the amount of {$340.00}. I disputed the debt with the original claimant with no resolution as of yet and thus disputed it with Capio Partners. I requested documentation of the debt and they provided a list of the debts and bills dated XXXX/XXXX/XXXX but no further documentation as to payments made, credits or insurance reimbursements. This is further obfuscated by the bills showing charges of hundreds of dollars and in some cases thousands of dollars with no delineation of how the amount I allegedly owed got deduced.
Capital one has been charging interest for years for cash advances that have not occurred. I have ask them to take these off many times but they refuse to do this. Their answer is that I took an advance out in XXXX which my statements show are not true. I have been unable to work this out with them. When on the phone they put me on hold for XXXX minutes with no final conclusion. Their responses are rehearsed and it is clear to me that I am not speaking to anyone who can rectify this. I have all staements from XXXX that I can send to an e-mail address.
XXXX XXXX is the name of the company. I sold my house and closed escrow on XX/XX/XXXX. XXXX reported me late as far asXX/XX/XXXX after escrow closed. I was late once at most, not even 30 days late, and they counted it as 2 rolling lates which looks like 4 lates. They have ignored my pleas, calls, letters, and emails. Their company is changing in XXXX to the name XXXX XXXX mortgage and they do n't seem to care. I keep getting the run around, transferred, told to email, then mail, they promised action in 3-5 days, before that 7 business days.I was given an email address that was dead. No responses whatsoever. No response, no letter, no action. I am desperate as I am a XXXX XXXXXXXX trying to get a good home loan out of state. This derogatory information is making it very difficult. I thank you in advance for helping me with this problem.
For 8 months now, XXXX XXXX from Monterey Financial in  XXXX Ca has contacted both my personal cell and office phone repeatedly. Everytime Me XXXX calls is the amount of debt has changed and the threats continue. I have asked that MrXXXX but call and all communication Can be sent in Writing through Us Mail or Email. On XX/XX/2018 .. Mr. XXXX contacted my office phone again. I informed him that I was not able to make a {$9000.00} payment today or in a lump sum..he asked Why. I told him that I am a single mother of XXXX ... in which he replied.. didnt you have kids when you acquired this debt. I asked for his name and his supervisors name.
Hello Dear, My name is XXXX, XXXX from XXXX, XXXX. 
last week, on XXXX XXXX & XXXX someone use my debit card multiple times in XXXX, XXXX. I was still in possession of my card at that moment. they withdraw {$1100.00} in cash at different ATMs and made purchases for {$1200.00} at XXXX in the same city. I received some messages from Bank of America telling to verify some recent transactions. I reported those transactions as fraudulent. i filled a claim for this fraud and I was waiting since yesterday. 
They denied my claim and told me there is no fraudulent pattern. 
When I asked them what that mean they told me I have been to the state of XXXX couple of time I used sometimes none Bank of America ATM 's I withdraw often a large amount of money. 
i asked the lady can a person be present at XXXX location a the same time? because i was in XXXX, XXXX at the moment. 
I called the police yesterday filed a police report so the bank will do further investigation. I 'm an international student the money is for my tuition I really need it. 
Best,
American Express is calling me several times a day and has been doing so for more than a month. They have called my boyfriend 's phone, my parent 's home phone, and my work phone, despite the fact that I never provided my work or parent 's phone numbers to American Express. 

I have made it very clear to the collection agent, who is named XXXX, that I can not take personal calls during my business hours, which are from XXXX until XXXX Monday - Friday CST. I have also made it clear that I am unable to pay the sum he is demanding and I have requested a hardship payment arrangement, which I know is available through American Express. 

XXXX has repeatedly ignored my requests to cease calls and he said that he will continue to call because his shift ends at XXXX his time and he is not available to " harass '' me at any other times. He continues to ask me personal questions and frequently launches into long stories about how understanding and willing to help he is, but he never gets to the point of actually helping me start the hardship program process. 

I suspect that these debt collectors in the American Express " Advanced Collections Department '' are paid a bonus based on how much money money they can get out of me, and XXXX seems determined to maximize his bonus at my - the consumer 's - expense.
On XX/XX/XXXX I purchased XXXX tickets from a site that boasted a 200 % money back guarantee. I received an envelope with a print out of my receipt but no tickets. I called and emailed the site, with no response, so I contacted the venue and they could not help either. I filed a dispute with my credit card company and was refused, even though they also boast a money back guarantee. I reopened the dispute but was denied again. So I called and emailed several times, again with no response and I also opened a case with the better business bureau. Pay pal responded to say that they could not help, m but a member of the credit card team would be in contact. No one ever called back or responded to me reaching out further. Info : Type Counterparty Transaction ID Date Amount Reason Filed on Status Case ID Email Dispute My Ticket Tracker XXXX XX/XX/XXXX - {$260.00} USD Not as described XX/XX/XXXX Case Closed D -- XXXX  XXXX
There is a debt on my credit report that I know for a fact is not mine and I was in the process of disputing. But because I am going for a mortgage, it can not be in dispute. Therefore, I have contacted Diversified Consultants several times to get it removed out of the dispute and update my credit report to remove the account in dispute status. I spoke with a representative called XXXX XXXX and he said the only way that he will remove the account out of dispute is if I pay the account. Now this is a violation of the Fair Debt Collection Practices Act and I know is not right. Something needs to be done about this.
Once again they have incorrect information [ report XXXX ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual- 1- My name XXXX XXXX it is NOT XXXX XXXX XXXX XXXX XXXX. 2- XXXX XXXX XXXX is not ours. and not a savings plan. It was a retail purchase paid to XXXX balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing Security hold but they have a " State Legislation '' hold on the account- remarkable. XXXX XXXX XXXX XXXX mortgage since XXXX 2017
Experian allows anyone with an email address to obtain another person 's credit freeze pin. With the recent XXXX  hack, all the needed personal information is available to identity thieves. Experian MUST change this procedure and remove the email option. Pins should be mailed not emailed.
I made a previous complaint abo ut Navient not workin g with me not combining my " private smart option loans '' or discussing options about lowering my payment. I finally reached a nice gentleman which helped me get on a payment plan for {$120.00} per month which is electronically debited. He explained to me that the interest rate, which skyrocketed would lower in the month of  XXXX . I am still getting calls at l east six times   per day and when I log into my account, they have me listed as delinquent. This problem was supposed to be solved in  XXXX  when I agreed to pay the set amount each month. This is ruining my credit and I need help as soon as possible. I think I am going to be forced to hire an attorney if this problem is not resolved.
I HAVE DISPUTED MY CREDIT REPORT WITH XXXX FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT -STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS XXXX AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ).
I paid my Macy 's American Express balance in full by phone on XXXX XXXX, 2015 in the amount of {$820.00}. On XXXX XXXX, 2015, I received a billing statement from them saying I owed a past due amount of {$24.00} and they charged me a late fee of {$35.00}. I called immediately and reviewed this inaccurate information and it was the first time I was notified I had a balance since paying in full in XX/XX/XXXX they apologized and immediately reimbursed me the amounts in their error. They turned around and lied and reported me for 30 days late. I want this removed immediately from my report.
I fell behind on my monthly payments on my Discover Card account due to some unanticipated expenses. When I was finally in a financial position to make payments again, I contacted them to make payment arrangements. The individual that I spoke offered me a settlement ( the account had been closed ) that would have me paying half the balance owed ( approx. account balance = {$13000.00} ), and as long as the monthly payments were met ( automatic withdrawals they scheduled ) they would credit the other half. At the time I was dealing with my mother 's health issues, and was relieved to have it taken care of. Unfortunately, I neglected to request a written copy of the agreement, and one was not sent to me. Additionally, since the account was closed, I was no longer receiving account statements and I had no access to my account. The payments were withdrawn as agreed though, totaling half of the account balance, and I thought all was well. Several months after the final payment though, Discover Card sent me correspondence stating that I still owed the other half of the balance on the account. I have disputed that, but Discover Card claims that they no longer have the recordings of my conversation with the representative that negotiated the agreement and scheduled the payments. Supposedly deleted after 90 days, even though the payments were scheduled to continue for not quite a year. They claim to have no records about the agreement that I made. The only " notes '' state that I rejected an agreement of {$7200.00} - which they extrapolate to mean that I agreed to pay the total account balance. Who would do that?! When I asked to speak to the individual who negotiated the agreement or his manager, since I distinctly remember the representative putting me on hold in order to get the agreement approved, they claim that information is not recorded in the account. They have sold the debt to a debt collection company, and now claim that the debt collection has " all '' the information about the account. Yet, when I disputed the debt, the debt collection company contacted Discover Card to request the records ( which were just copies of statements that were never sent to me ). I feel sure that there is a record of what actually transpired, either in the representative 's notes or his supervisor 's records, but Discover Card is refusing to provide any information. Are credit card companies required to maintain records of these types of transactions? And how does a consumer with a dispute compel a credit card company to provide all records related to an account? I recognize now that I should have requested a copy of the agreement. Some websites have even recommended not authorizing payments until a copy of the agreement has been received. I did not have that advice at the time, unfortunately. I have had no previous experience with this process, and was experiencing a tremendous amount of stress due to family issues ( and still are ) are my only excuses though.
I obtained a loan from bank to pay off credit cards, a cashiers check was mailed to Macy 's to pay off credit card, the check was cashed by credit card company on XXXX XXXX, 2016 I have receipt confirmation from my bank that it was cashed. The amount has still not been applied to my account on XXXX XXXX, 2016. I have called customer service and sent messages via internet and my bank has faxed over the copies of processed checks and the amount has not been applied to my account.
This is my second complaint on the same matter.XXXX I liquidated funds and would like to pay this balance that was initially rejected for insufficient funds, but I can not do so. The bank 's system will not allow it! I have to wait for them to resubmit it 3 times ( which means XXXX fees from the credit card issuer AND my bank ) before it shows up again as an owed balance. I have chatted and called with no satisfaction. Initially, prior to the first fees charged, I was told by " XXXX '' in XXXX that they would correct it on their end by pulling back the payment and reposting the unpaid amount. When I saw this did n't happen, I called again and was told this was wrong, they could not do it. Every customer service person I speak to or chat with has a different story. It 's simply set up to generate fees for them. They should not be allowed to do this. They should not be allowed to NOT let you make a direct payment to stop this crazy process.