WillisBack/dataset-financial-user-claim huggingface dataset:
I have two credit cards, one from XX/XX/XXXX and one from XX/XX/XXXX. They both stopped working a few days ago and I looked at my accounts and saw my authorized user had overcharged. I assumed this was the problem and told him to pay off his charges. He paid them off yesterday and then informed me today he received a letter informing him of the closures. I called today and found out that indeed both cards had been closed and the only reason they could give was that it was based on a past closure. I do not have a past closure so I am assuming my authorized user is the culprit here. I do not understand though how this would affect the other card that he is not connected with at all. And if he was the one they were closing it over why not just remove him from my account instead of closing all my cards? These are Chase cards.
they keep calling. they wont send any verification of debt. they threaten to come to my place of work and have my boss sign papers. This is not my debt. I have never done business with a company called " XXXX '' now they placed the debt on my credit file
In the wake of the Equifax data breach, I attempted to freeze my credit report with them using their web site. At the point in the process where the freeze was to execute, nothing happened, the site locked and never issued me a pin. When I return to the site, it only offers me options to remove a freeze but requires a pin to do so. 

I signed up for their credit monitoring service because a call center rep on the data breach response line told me that I could use that service to lock and unlock my report at will. When I log into that site, I get an error where it is supposed to show my lock or unlock status. 

I have sent numerous emails to their " contact us '' email address and have Case #  XXXX. Days have passed with no contact. I 've tried to call customer service but the phone has been busy for days. Today I got into their automated system and have been listening to their hold message for 90 minutes so far. 

My report may or may not be frozen at this time. I ca n't contact Equifax to correct it.
I have contacted this agency for validation regarding XXXX debts that they claim I owe in the amounts of {$460.00} and {$480.00}. I have no knowledge of these accounts and they both have been disputed. To date they have only sent bill statements and nothing more and have done this twice claiming that was how they validated the account. XXXX is not acceptable for me. I am requesting that they send proof that I am indeed who they are saying owes this debt by sending a contract or agreement with my signature rather than a bill.
I bought my house XXXX/XXXX/15. I had escrow held by CapitalOne to cover my taxes of {$3200.00} XX/XX/XXXX. I just received a letter from my mortgage company saying starting XX/XX/XXXX they want to increase my escrow to cover my XX/XX/XXXX taxes which they project to be {$4800.00}. There is no reason to believe my taxes will go up that much. I spoke to XXXX XXXX and they said I have been approved for homestead credit which means my taxes should not go up by more than 4 % per year. CapitalOne told me they will adjust once I can prove my taxes do not go up. I will not be able to prove that until XX/XX/XXXX The mortgage increase from {$1400.00} per month to {$1700.00} per month will be difficult for me and I do n't think CapitalOne has shown just cause for the increase.
XXXX XXXX account I have never owned. I wrote to them to request all records but they have returned nothing to me. 
12 years ago I had an account with XXXX XXXX but that was closed. Nothing owed. 
Could this be another fake XXXX XXXX account - at a different level? The debt collection company name is : ARA Inc., XXXX. XXXX XXXX, XXXX XXXX, IL XXXX and they are claiming to collect XXXX XXXX XXXX account number XXXX. ARA file # XXXX {$1500.00}
Today, XX/XX/2018, I tried to enable an external application called XXXX. When I tried it did not allow me and a message said that Capital One was " blocking youfrom enabling external applications '' and to " file a complaint with the CFPB '' to alert Capital One of the issue.
Navient is my lien holder for my student loan and I have make extra payments presently and in the past. The company will not apply the extra payments towards the principal rather the company applies the additional payment towards future payments. The most recent example is I made an additional payment earlier this month and the company applied the money towards my XXXX payment. Their payment stub does n't include any method to apply overpayment towards the principal. This has happened numerous times in the past and when I call I am told that the payments were already applied and cant be changed.
National Credit Systems , Inc. XXXX XXXX XXXX, XXXX, GA XXXX, XXXX or XXXX ) called multiple times with caller ID deceptively displaying " XXXX XXXX ''. Also, falsely reported to XXXX that myself and my daughter have an unpaid debt.
I refinanced my car loan with XXXX. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not XXXX XXXX, not Experian have any information about this loan, which is hurting my credit score. I tried to contact XXXX XXXX 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.
I submitted a complaint about my financial institution on XXXX XXXX, 2015 ( Case number XXXX ) regarding overdraft fees put on my account for an item that I had sufficient funds to cover. Because of the overdraft charge for that item, my account was in the negative and I was not going to put more money into the account until that fee was returned. Since then I have been charged numerous overdraft fees that should not be on my account. If the first fee was actually returned, I could have had my account in the positive. Suntrust, which is my financial institution charges overdraft fees before the full 24 hour mark is expired which I find to very unreasonable and unfair especially for a consumer to deposit money into an account to clear a negative balance.
XX/XX/2017 I notice a collection from XXXX XXXX XXXX for the amount of {$970.00} from XXXX XXXX and I disputed the collection with XXXX and they couldn't fix anything in my credit report because I have an ITIN Number. 
Now I don't know how to remove that collection from my credit. I called XXXX XXXX XXXX Their phone number is not valid. There is no way to contact XXXX XXXX XXXX. 
I called XXXX XXXX collection department and they said : The account was open in a different name and address than mine. Don't worry they said, we are going to investigate this fraudulent account. 


Its been about 5 months today and XXXX XXXX XXXX still show in my credit report and now I got a call and a letter from a different collection agency ( XXXX XXXX XXXX ) saying same thing, I own to XXXX XXXX {$970.00}. 
I contacted XXXX XXXX and I'm disputing this supposedly new collection hoping that it will not show in my credit report like the one from XXXX XXXX XXXX because i called Called XXXX XXXX Sales, Billing and collection and customer service again and they just either hang up on me or they just wouldn't find the fraudulent account. 
I need help and resolving this issue since XXXX XXXX is not taking the necessary action in my behalf. XXXX Bless
I have XXXX had until yesterday XXXX a Dillard 's credit card, which is administered by Wells Fargo. I generally have paid my bill for Dillard 's online, and have typically received an email confirming my electronic payment. This month, Wells Fargo also sent a letter by mail to confirm scheduling an electronic payment. 

On XXXX I called Wells fargo to request that they not mail a confirmation to me in the future, to stop sending paper, and was told by a supervisor XXXX XXXX XXXX that by law they have to send both an email and a hard copy letter. 

I asked why they are held to different standards than other credit card companies ( this is Wells Fargo XXXX. My accounts with XXXX, XXXX, XXXX all confirm my payments by email - they do not also mail confirmations. Wells Fargo insisted that all credit card companies also have to mail confirmations every time an electronic payment is made, and that this is mandated by law. This made me question why I do n't receive these from my other credit card companies. 

I was curious whether this was true - so researched further. What I learned, and then confirmed on XXXX with a different Wells Fargo supervisor ( XXXX XXXX, that this is not law, but simply Wells Fargo policy. Wells Fargo chooses to mail me a physical confirmation every time a transaction takes place. 

The law only requires that a credit card company mail to me the first time I pay online. For Wells Fargo, the only paper I can request to stop is the delivery of credit card statements and catalogs. 

I told the supervisor that I happily forgo the pleasure of carrying a Dillard 's card in order to avoid the paper. 

I did n't like the lie told to me by the first supervisor - until questioned further, the supervisor claimed this as law, not policy. Big difference.
Discover Card placed a lien on my homestead in Texas. The closing of the sale of my house occurred on XX/XX/XXXX. Within a week ( or shorter ) of the time of closing, I signed an authorization to allow the title company to communicate with all parties related to the lien on my behalf. The title company began requested release of the lien on or just a few days prior to the date of closing. My understanding is that the other party to the lien has 30 days to release the lien. It has been almost two months. On XX/XX/XXXX, Discover Card 's attorney ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ) said he provided the lien release to Discover for review. Attorneys contact information is Phone : XXXX | Fax : XXXX | XXXX. 

I have approximately {$16000.00} still due to me from the sale of my house that is held up with this invalid lien. 

The title company has not since been able to get any response from the attorney. 

The escrow officer with the title company is XXXX XXXX, phone XXXX, fax XXXX, email XXXX.
XXXX XXXX XXXX has reported 3 items on my credit reports - all which are passed the statute of limitations in CA. I requested debt verification XX/XX/XXXX. Heard no response until XX/XX/XXXX but no debt verification on two of the three accounts. Credit bureaus have no removed these items from my credit reports. I have all supporting documentation, if needed. Please note that the credit bureaus have removed the ORIGINAL CREDITOR as it is old debt.
I have been a customer of Bank of America for twenty years. I have always paid my bills with them on time or before due date and in most cases more than the minimum due. 6 1/2 years ago my wife had to file for bankruptcy due to loss of job and excessive medical bills. She was a co-signer on our 2nd mortgage and LOC. I assumed total responsibility for the debt and have been paying without incident, always on time and more than what was due, online using my BOA checking account. 
The other day I signed on my BOA account to review my accounts to make payments and found that I could no longer access both 2nd mortgage and LOC. I received a message that I could no longer access those accounts of make payments because of a bankruptcy or discharge of such. I contacted BOA thinking that this was done in error and informed them that I never filed for bankruptcy and for 6 1/2 years I have paid on these accounts using my BOA checking online access without incident, never late. 
I was told that I could no longer do so and that I now would have to phone in my payment, use a paper statement or go to the local branch to make my payments. As a XXXX vet going to a local branch would be problematic and calling BOA on anything has been shown to be anything but easy. 
I have done nothing to warrant BOA actions. I have a flawless credit history with credit scores in the lower XXXX range and my history with BOA has been the same. BOA did n't loose a thing on my wife 's bankruptcy and for them to take such an action after 6 1/2 years of flawless payment history by me is just wrong. 
When I spoke to their bankruptcy department they said that their actions were done to protect me. How is blocking my access to my accounts to keep my flawless payment history from continuing, protecting me? I emailed the CEO requesting his assistance in this matter and of the date of this complaint I have not received any response. 
So again, I never filed bankruptcy, I have never been late and as a customer I would be the type of customer that most banks would like to have. I also have a BOA credit card and they just raised my limit to {$23000.00}. because of my credit history with them. Does any of this make any sense? BOA is without a doubt the worst bank I have ever dealt with.
I found repeated hard inquiries opened by companies listed on my credit bureau report of all 3 bureaus ... .I sent certified letters to the reporting agencies and credit company that ran these hard inquiries and my letters were received threw certified mail ... ..I received only letters back from the Transunion bureau and 2 credit companies stating they didn't have to prove I authorized these repeated inquires by any written authorization constituting permissible purpose or consent by me. My complaint was dismissed and ignored by these bureau 's. ( Note ) My open XXXX XXXX Credit   account and XXXX XXXX XXXX Credit Card account ... those 2 inquiries are accurately reported and in good standing ... I do not dispute those. My name is XXXX XXXX XXXX My Social Security is XXXX My home Address is XXXX XXXX  XXXX XXXX. XXXX XXXX, Tx. XXXX I have the signature confirmations showing the certified letters were indeed recieve on XX/XX/2018 Requesting the hard inquiries.. I did not authorize be removed immediately. 
My requests were denied by all ... It has hindered my ability to have access to apply for any credit period. Thankyou for your attention on this matter. XXXX XXXX XXXX
On XX/XX/XXXX, Green tree servicing offer a loan trial modification. I respectfully accepted the offer and made all trial payments on time. Sometime on XX/XX/XXXX, the servicer provided two sets of loan modification agreement, the contract was executed by me and was sent back to the servicing company as per their specification and/or instructions. I continued to make the monthly payments timely in accordance with the contract signed and the servicer received all monthly payments for the years to come. 

On XX/XX/XXXX, I received notice that the debt was transfer or sold to XXXX XXXX and that all payments must be made to the new company starting on XX/XX/XXXX. Pursuant to the notice of servicing i made the attempt to make the monthly payments to the new servicing company, however XXXX XXXX decline to accept our payments and stated that we green Tree Servicing never sent them copy of the loan modification agreement and therefore could not honor or process my payments. 

I contacted Green tree and demanded a copy of the executed agreement. According to Green tree servicing, a loan modification agreement was sent and was never executed. This statement is false, green tree had me executed two separate agreements and requested that i sent the original. Green tree Servicing made the promised to sent a copy of the agreement executed by them and never did. 

It is obvious that the servicer has engaged in deceptive and unlawful banking practices while in violation of the Department of Treasury HAMP program. Ones a loan modification agreement is executed and the servicer takes your payments for two years is clearly an indication that the account has been resolved. It took us by surprise that after servicer took our payments for two years to suddenly claim we never had an agreement whenthey sold the loan. 

XXXX XXXX has refuse to accept our payment and have defaulted the account on purpose thus no fault of our own.
On XX/XX/XXXX I closed on a home through XXXX Mortgage and XXXX XXXX XXXX. XXXX XXXX XXXX received {$2200.00} in for XXXX Winter Taxes in my Escrow along with other closing costs on the day of closing. According to my contract XXXX XXXX XXXX was responsible for appropriating my tax payments. I received a letter dated XX/XX/XXXX stating that my mortgage loan had been transferred to PennyMac Loan Services , LLC . I was instructed to pay them {$1000.00} monthly per my original contract and was insured that my payments and loan conditions would not change. On XX/XX/XXXX a whole year later PennyMac Loan Service, LLC unexpectantly increased my monthly payment amount to {$1100.00}. When I called and asked why they made a change they stated that the increase was to pay them back for the XXXX Winter Taxes. When PennyMac took over the loan from XXXX XXXX it was already in the contract for XXXX XXXX to disperse the funds to cover the XXXX taxes. PennyMac did not inform XXXX XXXX nor myself at any point of a payment being made outside of the original contract. They are now adding additional amounts to my monthly payments for the next twelve months to recover their {$1300.00} mistake. This appears to be a breach of contract and a violation of my consumer rights therefore I am requesting an investigation to search for illegal practices. My taxes did not increase therefore my payments should not increase on a fixed FHA loan. I have contacted them many times and they admit that they should have sent me notification of that payment sooner and want to discuss easier payment plans so they can recover their {$1300.00} on taxes that I had already paid at closing.
My wife and I had to short sell our home in XXXX 2010 due to financial reasons. I had XXXX mortgages on the home and Citi Financial was a XXXX Lien as a HELOC. Upon closing, they provided me with a settlement letter that they would report to my credit report as a {$0.00} balance with a {$0.00} monthly payment. It 's been over 5 years and they 're still reporting both a balance and a monthly payment. I have been calling their credit dispute department for several months to no avail. I have documented evidence that I 've sent the requested information several times and they have not complied. The requested documentation was ; a full copy of my tri-merge credit report showing the Citi Financial loan with the balance and monthly payment, a copy of the satisfaction letter and a copy of the completed and executed HUD from the closing on the home showing CitiFinancial being paid. This information has been faxed to them on several different occasions. I confirmed this afternoon that it was received by their Credit Dispute Department and their Recovery Department and they have done nothing to help me. My wife and I are now back on our feet and have not missed a mortgage payment in over 5 years. We 're trying to qualify for a new home and this item is preventing me from doing so. I have had countless conversations and have lost count of how many hours I 've spent trying to get this resolved and every time I call they tell me that it 's not the correct department and have me send the same information over and over again.
I have a loan with Ally Financial for a XXXX XXXX XXXX. I paid {$6500.00} in XX/XX/XXXX to 'pay ahead ' as I knew I had some financial constraints happening in the beginning of XX/XX/XXXX. In XX/XX/XXXX, I was notified that I was past due for my XX/XX/XXXX payment. When I asked why, I was told due to no payment being received since XX/XX/XXXX. When I explained what I had attempted to do, I was told their company does not recognize 'pay ahead '. I asked why I was n't past due for XX/XX/XXXX or XX/XX/XXXX and no one could give me a reason. I scraped for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments each of these months, all they considered 'late '. In XX/XX/XXXX, I paid off the loan, less what I thought late fees were. On XX/XX/XXXX, after speaking with an 'offshore ' rep and Supervisor, I was transferred 'onshore ', where I spoke with two reps, all the while arguing to speak with an 'onshore ' Supervisor or Mgr. I was finally transferred to a Mgr line and was told she was n't available and I would have to leave a message. This Mgr called me back within 15 minutes and after listening and empathizing with me, she said she would put this in for late fees to be removed. She also promised me a return call with in the next few weeks. In XX/XX/XXXX, I called and spoke with a second 'onshore ' Mgr, who said the fees were not waived ( which I knew ) and said she would look into this further and call me back. To this day, I have not heard from anyone. I attempted today to call in and requested the number for the customer advocate for Ally, this number was refused to me without my account information and then the rep hung up on me. I would like this to be reviewed to have late charges waived and my credit bureau updated. At this point in time, I will not consider Ally for any future loans. I am beyond upset and frustrated with their non-compliance of my requests. I have worked for several banks and have NEVER promised a customer something I have not followed up on. **I am including my ssn in place of the account # as I am completing this at work and do not have the account # with me.
They called my phone with several different numbers with no voicemail left. Trying to collect on a debt over 7 years old past the limitations. phone numbers listed below.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have over 35 more from the same company
I was unable to register for creditkarma unless I used my married name. I have been divorced for several years and I was n't even married long enough to need to legally change my name. There is also an address on my credit report that does n't even exist.
Avante USA located in XXXX Texas has been calling me about a debt owed for a hospital bill which has been paid. They contact me a few weeks ago for this debt. I went to the hospital in XX/XX/2012 and only now are they calling to say I owe. I have provided documents to the company of proof that my bill has been paid through financial aid. Im not sure what change they stopped calling me but today I noticed they reported it on my credit and now I have a bad marker. The first. I dont think this is fair. This company is a scam and their practices are unfair.
This company started reporting on my report as of XXXX XXXX, 2017. I have not received anything in the mail about this debt. In fact, I 'm not even sure its mine. This debt has not been validated. I want it removed from my report.
Trying to pay student loans back from XXXX to XXXX. Received XXXX and XXXX, however payment shock occurred when paying back. No consiconsideration that high paying job has not occurred. Navient sets payments big and options are not compatible to salary and cost of living. Attached high interest when missing as it is sad that it 's unimaginable to pay back. 
Please help with reasonable affordable payment.
USAA charged me over {$400.00} in NSF FEES!!! What sense does it make to charge me a FEE for not having enough money to allow a charge ( that the bank DECLINE D ) go through ??? All this unfair and unethical treatment ( which is equal to STEALING from me, and should be illegal ) did was put me DEEPER IN THE HOLE and cause me additional financial hardship.