WillisBack/dataset-financial-user-claim huggingface dataset:
The only way to protect myself after the Equifax breach is to place a credit freeze. It is absurd that the XXXX major credit reporting agencies are allowed to charge money to initiate these freezes. There is no way to opt out of their data collection, they obviously can not keep that data secure, and they want me to pay my hard earned paycheck to each time I need to freeze ( and each time to unfreeze ) my information.
I closed on a mortgage with XXXX Mortgage XXXX NMLS # XXXX on Wednesday XXXX XXXX, 2015. My first payment was due XXXX XXXX, however, I sent it in early and it cleared my bank of XXXX XXXX. I then received a notice from XXXX XXXX XXXX Mortgage on XXXX XXXX that they were transferring my mortgage to Central Mortgage Company NMLS ID : XXXX. I received a notice from Central Mortgage confirming transfer, however, they are saying that I still owe my XXXX XXXX payment. I have tried calling them about XXXX different times, however, their phone number has been busy and they have not responded to my email. I find the lack of contact information on their website or any way to contact an actual person to be very deceptive.
I Had XXXX deposited into my account at usaa federal savings the money never posted to be used by us. The money was misappropriated ..so we turned to fdic and after talking with XXXX at fdic she worked out a agreement with usaa for us to be paid back at a interest rate of 40 % for every 2 weeks they held our money. And after atleast XXXX requests from XXXX for a copy we can not even get a return phone call from her ..we have recorded phone calls of her stating she was sending it, our complaint is for XXXX to provide a copy of the agreement or our money to be paid back at the agreed upon interest rate
Equifax Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX XXXX, XXXX XXXX XXXX has placed invalidated information on the credit file via 3rd Party Collection Agencies which have failed to validate these debts. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA.
I am so frustrated with all three credit bureau, I been writing since 7 month ago been asking for them to dispute all this unknown item on my credit report nothing I been ask for prove from all three credit bureau no prove was sent I wrote all the collection company nothing was done I am in need of help
This complaint is concerning my Citi Diamond Preferred Card, ending in XXXX. Citi has assessed ( and I have paid ) two ( 2 ) balance transfer fees ( {$1400.00} and {$300.00} ), even though Citi promised it would not charge these fees. After repeated requests for a refund, Citi has refused. I initiated two ( 2 ) separate balance transfers with Citi, based upon their representation that they would NOT assess balance transfer fees. I relied upon Citi 's false representations to my detriment. On XX/XX/XXXX, I called Citi to inquire about a zero percent balance transfer offer. I was informed that the offer was subject to a balance transfer fee. I told the representative that a competitor ( XXXX XXXX ) offered me a zero percent balance transfer, with no fee, and I asked the Citi Customer Representative if they would waive their fee, and the representative said YES. Therefore, on XX/XX/XXXX, I initiated a balance transfer ( over the phone, during the same call referenced above ) in the amount of {$28000.00} ( and, as a result, Citi later assessed a balance transfer fee of {$1400.00} ) On XX/XX/XXXX, a balance transfer in the amount of {$6000.00} was initiated, via a check, sent to me by Citi ( and, as a result, Citi later assessed a balance transfer fee of {$300.00} ). On XX/XX/XXXX, I chatted with Citi representative named " XXXX '' via Citis website and asked her to refund the fees. She refused. On XX/XX/XXXX, I called Citi customer service, and asked the representative ( whose identity I did not capture ) to refund the fees, and they refused. The matter was referred to Citi 's Executive Response Unit and I was assured that I would receive a resolution within 48 hours ; however, I never received any communication. On XX/XX/XXXX, I called Citi customer service and asked the representative ( XXXX ) the status, and he said it was still with the Executive Response Unit, and I would receive a resolution within 48 hours ; however, I never received any communication. I demand that Citi honor its promise of not assessing a balance transfer fee, and demand that Citi refund the fees ( {$1400.00} and {$300.00} ).
I received notice that my Citi credit card was locked for potential fraud. I reviewed my statements and there were no charges or activity that was out of the ordinary. I called and spoke to a representative who informed me the issue could not be resolved unless I called off a land line, he stated my work phone would do. I called from my work phone and the next representative I spoke to said if the landline was not maintained by me then they would have to send me a letter that would take 7-10 business days and after I received that my card would be unlocked and able to use again. I called and talked to another representative and I explained that this is serious and there has to be another way to verify i.e. social security number or the bank account number I use to pay the credit card. He said the bank account number and verifying my last 4 charges would suffice. So I verified and all was " good to go. '' He told me to disregard the letter that the rep I spoke to prior mentioned. After my work day I went to use the card and it was still declined. I spoke to a supervisor who said they would call my work phone the following morning to resolve ( I never got the call. ) I spoke to another supervisor who said his manager would call me within the hour ( I never received that call. ) I called and finally got through to a manager who said that there was nothing he could do because I had been flagged for MULTIPLE fraudulent activities. I asked him what triggered this as there are no charges out of the ordinary. He could not answer. He said an " investigative team '' would review that and then I asked if after review I could get a printed copy of the " flags '' sent to me. He stated they would not do that. He explained that the original letter that was being sent to me would be expedited and I needed to follow those instructions. I asked in his experience as a manager, what is the time frame for something expedited. He could not answer. I informed him that a manager was to call me the following morning on my work phone and he assured me that when she called it would be resolved. I asked what if it was n't he said ask to be transferred directly to a manager. I finished my work day, never received the call, called from my cell phone explaining everything that happened in the past 24 hours and spoke to a manager who said if she could call someone at my work and give them a reference number which they could pass on to me, it would be cleared. She said she personally would call me back in 10 minutes. I never received a call. This all started on Tuesday morning XX/XX/XXXX. It is now Monday XX/XX/XXXX and I still have not received a letter, no one has contacted me and I am still without a credit card.
I bought the car Contract Date : XXXX. XXXX XXXX XXXX I as the maturity date on the car is now showing XX/XX/XXXX due to consumer making non-requested extensions on this loan. Amount Financed : {$13000.00}. 

Per the company as of XX/XX/XXXX : Thank you for validating your account information. I wanted to reach out to you in reference to your concern about your account. Currently your payoff if paid today it will be {$10000.00} which this includes interest accrued of {$970.00} and your principal balance being {$9900.00}. You have currently paid {$110000.00} in interest and {$3100.00} has applied to principal balance. You are accruing daily interest on your account. I can send you a copy of your contract if you would like. 

SO I HAVE PAID OVER THE AMOUNT CONTRACTED BY NEARLY {$1100.00} AND THE COMPANY IS INDICATING I STILL OWE THEM AN ADDITIONAL {$10000.00}. OVER {$11000.00} WAS APPLIED TO INTEREST WHEN THE CAR WAS FINANCED AT {$13000.00}. TO PAY {$10000.00} PLUS THE {$8000.00} IN REPAIRS REQUIRED THATS OVER {$32000.00} ON A XXXX XXXX XXXX I WITH XXXX, XXXX MILES.
I am currently in default regarding my private student loans, I have XXXX different loans, serviced by different providers. One provider has contacted me through a debt collection company called National Enterprise Systems. 
The person on the phone was extremely rude in regards to my situation, had no regard to what I was explaining. The person threatened me and my co-signer regarding the debt. The person insisted I call him back within the hour with a solution to my debt. They are pressuring me to put the amount owed in a personal credit card to resolve the issue when I have XXXX credit. 
They insist on this option and no other means to resolve are provided. They told me I needed to call my co-signer that instant and give them an answer within an hour or else they would personally call the co-signer, my father, who is an XXXX man and is retired. The person was rude and insensible. 
I am XXXX and my current salary is XXXX, I would be better off working as in a supermarket, I have XXXX kids in school and am barely getting by. I know the debt needs resolving, buy am not going to accept that kind of pressure.
I committed to a 16 week weight loss challenge on XX/XX/XXXX. The contracted stated that after you complete the 16week challenge, send a certified letter to National Acceptance Company XXXX XXXX XXXX XXXX, PA XXXX. I faithfully paid the monthly amount of {$50.00} for 16 consecutive weeks. After I completed the program and sent them the letter, they denied my request to cancel and stated I needed to complete the 1 year agreement. This was clearly a mis representation and a bait and switch scheme. I have stopped the payments from my credit card and contacted them to stop harassing me regarding delinquent payments. They keep calling me and threatening to report me to the credit bureau and ruin my credit.
Lender/Servicer proceeded with foreclosure sale the day after denial and did not give borrower opportunity to appeal the decision.     An appeal was sent to the lender as well regarding violations of RESPA Regulation X  12 C.F.R. 1024.41 ( g )  ( h ).
I have sent request to XXXX, XXXX, and Equifax regarding reporting of a Chapter XXXX on my credit file. I received a letter from XXXX XXXX stating they do not send information to credit bureaus. The 3 major bureau sent me notification stating they received reporting on the account from XXXX XXXX. This is inaccurate reporting as nowhere on my credit file does it state that information was obtained from XXXX XXXX. It specifically states this was reported by XXXX XXXX. I sent the 3 major bureau a 2nd letter requesting this be removed for inaccurate reporting. I received a response again that it had been verified
Correspondence is from Credit Collection Services re : XXXX XXXX. The amount due appears to be XXXX but this is not entirely clear. The correspondence includes a STATUS UPDATE that essentially claims that my account is unpaid and seriously past due. It also states that I should call their office and that otherwise they will call me. There is no indication regarding the name of the creditor or the services provided that I am expected to pay for.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One Auto Finance ( COAF ) of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX and XXXX  credit reports XX/XX/2018 related to that fraudulent application. An official dispute was mailed to COAF XX/XX/2018 and as of this date COAF has failed to reply or provide a response to the status.
I was targeted by a mailed letter directly from Citibank in XXXX 2015 asking me to open a Citigold account. I was leery of opening a bank account online when I would n't be able to handle my banking in person, but I thought I would give it a try given the incentive made it seemingly risk free. In the mailed letter, Citibank provided me the promotional incentive to open the account in the nature of XXXX XXXX XXXX, upon meeting certain requirements. The code I was told to enter when signing up was XXXX. This was XXXX XXXX, 2015 when I was approved. 

I had never signed up for an account online before, so after finally getting my account up and running, which took a few weeks as Citibank had issues receiving my drivers license fax and then my debit card did not show, I decided to ask Citibank if everything seemed in order with my account. In mid XXXX, I opened a chat window and discussed my new account with a representative who confirmed I was the promotional offer was linked to my account. 

In early XXXX, around the XXXX of XXXX to be specific, after meeting the requirements of the offer, I again was prompted by the Citibank website to open a chat box, so I did, and in that chat the Citibank representative again confirmed that I had met the requirements of the promotional offer and would be receiving the points within 90 days. Lastly, in XXXX I ONCE AGAIN chatted with a representative who again confirmed I was good to go with the offer and would be receiving my bonus offer miles of XXXX by the beginning of XXXX. I thought the matter was settled. 

Now, here we are several months later. I have since paid {$60.00} for what I view as subpar service for my Citigold account, and spent countless hours typing and having my husband call in to Citibank ( I am VERY hard of hearing and struggle on the phone ) to get them to honor what they as a company promised, and what they as a company confirmed on XXXX separate occasions I would receive. 

I did not keep that initial mailing letter ... these now 7 months later. I did keep documents related to my account opening as I do all important documents, but I had never thought I 'd need proof of what Citibank itself offered me. My fruitless correspondence with them so far has seen them request I provide proof of the mailer. I have account opening information as well proof that I was eligible for the promotional from multiple Citibank employees ... Citibank expecting me to hang onto a mailer of an offer they sent me in order to receive what they promised, when nowhere in their terms and conditions is it stated that its required, is simply unjust. 

Between the fees I 've paid, and the unfortunate handling so far regarding this promotional offer, I have already been forced to reconsider my banking option. I know I 'm not alone with my information having gotten lost in Citibank records. 

Lastly, the letter I received insinuating I am lying about signing up under this promotional offer was offensive to me as I always aim for honesty in my dealings. 

XXXX XXXX
My mother has a mortgage with Fifth3rd bank since XX/XX/XXXX. At the time of closing on her new home she and my dad purchased Mortgage Protection Insurance. The insurance would pay off a mortgage at the time mortgagees passing. Fast forward almost 20 years later, XX/XX/XXXX, My dad XXXX. After everything settles we contact Fifth 3rd,  immediately get the runaround. After what seems to be a lifetime of transfers and dropped calls, we learned very quickly that no department communicates to the other. Our Initial question was how could we go about making a claim to have the mortgage paid off. We were told they no longer acknowledge that product and we should have been reimbursed. Our next question was when was she reimbursed and what was the amount. No answer was given. 

Out of frustration we asked the pay off on the mortgage we were told XXXX. We were floored my moms mortgage with XXXX? ... .when the purchase offer home was XXXX back in XX/XX/XXXX. Fifth3rd refuses to acknowledge that accounting error. After reading the message boards we realize accounting errors are a very common practice. We have submitted " QWRs '' with the hopes of them recognizing the accounting issue, to no avail. We even had a lawyer contact them, who has been totally ignored as well. 

The stress of it all has caused my XXXX to XXXX. To the point the that XXXX that I donated to her is now damaged. She is now XXXX  and is being considered for a XXXX. I just dont want my moms last days here, stressed of how to pay for what essentially could be two homes. How many others are dealing with this chaos.
I am putting in a complaint because I am trying to upload my ID and utility bill to the experian upload website to have my extended fraud alert removed from my credit profile and it is not letting me upload my documents, it is telling me to mail in the form. I have added a security freeze on my report already and want the alert to be removed as it is becoming a problems in getting financing.
I've been getting calls from a " XXXX '' at the " Student Loan Support Department '' teasing with a previously unknown loan reduction program. The call is from XXXX XXXX XXXX, but the callback number is XXXX XXXX XXXX. It sounds fishy. My current servicer is Nelnet, but they're not mentioned in the voicemail anywhere. Just wanted to point out a potential scam. 

Thanks, XXXX
XXXX XXXX XXXX XXXX XXXX billed me for balance not covered by insurance for ER services rendered to my minor daughter on XXXX/XXXX/XXXX after her father, the insured, refused to pay. Prior to treatment, admissions clerk had me sign a computer pad & explained that it was permission to treat & bill insurance. Provided father 's info during services rendered & clerk said he would be billed as responsible party. No copy of the signed document was provided to me. Within 1 day of receiving balance notice reassigned to me, I paid XXXX of bill and provided hospital with copy of signed XXXX XXXX stating that father is responsible for equal share of uninsured medical bills & his complete contact info to pursue payment. Instead of responding to my dispute XXXX XXXX XXXX XXXX sent me a XXXX bill for 50 % balance. I initiated over 10 phone calls to dispute and assist in providing father 's current information to collect, but instead of attempting to contact court ordered responsible party for payment, hospital assigned XXXX ( XXXX ) to collect against me. 

Per court order supplied to XXXX XXXX XXXX XXXX XXXX collection agency on multiple occasions, I paid my responsible 50 % of medical expense on XXXX/XXXX/XXXX, included complete contact info for other legally, responsible party & biological father, XXXX XXXX and disputed remaining collection. 

After filing previous FTC complaint # XXXX, I received notification on XXXX/XXXX/XXXX from XXXX that debt had been cancelled. 

On XXXX/XXXX/XXXX, I received collection letter from new agency, Progressive Management Systems for same debt. 

XXXX XXXX XXXX XXXX has been provided, on multiple occasions, supporting documents & complete information for responsible party, but continues to re-assign new collection agencies to pursue me.
XXXX XXXX Customer Srvice XXXX XXXX XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX On XXXX XXXX, 2015, I was approved for a XXXX XXXX credit Card. I made a purchase of {$2300.00}. the items were deliver but the coffee table was damage. I called Marlo to have this item repair or replace. They refused. I contacted the Bank that I am disputing the charge for the coffee table ( {$90.00} ). The bank is saying that they are unable to resolve the issue because Marlo furniture has done nothing wrong. I am not asking for a free item but all I have been asking for is to have the product free of damage and not a hazard for my XXXX years old daughter.
My American Express card was lost or stolen in XXXX 2015. 
I reached out to AMEX while traveling in europe. I spoke to a number of representatives who, despite my request for manager assistance, provided neither a manager nor a solution to the problem. These calls lasted hours due to time on hold and multiple disconnects. When I returned home, I spoke with XXXX at Amex ( XX/XX/XXXX @ XXXX XXXX ) who offered a {$450.00} credi and XXXX-XXXX points and an apology. 
Despite mulitple contacts since then, including a manager ( yesterday ) I have not recieved the compensation promised. I asked that they listen to all calls ( not the self serving transcripts and she refused. Her response " I 'm higher up than XXXX and your not getting what you are asking for. 
This company has been non responsive, rude and I have devoted hours to getting this settled. I have eliminated XXXX AMEX cards, reuced utilization and tried to find someone, anyone, at AMEX who cares. That person does not exist. They refuse to put managers on the phone, force log hold times, multiple disconnects. Requests for manager call backs are ignored. Appararnatly poor customer service, lack of ethics is institutionalized there. 
Thank you XXXX XXXX XXXX XXXXXXXXXXXX
I have been sending dispute letters for how many months now to no avail. The accounts XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, are still being reported on my credit report when they don't belong to me.. Experian can't even give me sufficient proof as to why they wont remove them.. Simply giving out a computer print out is definitely not enough proof..CFPB please step up and remove the accounts
This company has engaged repeatedly in making unauthorized credit inquiries and continues to hide behind alleged authorizations that do not exist. The most recent occurrence was in XXXX 2016. I made no applications for a loan with this company in XXXX 2016, nor did I authorize it or its agents to review my credit history.
I had a previous complaint XXXX about my credit card experience. I offered a solution that if it didn't work out I want to close my accounts.They tried minimum efforts to work out a solution with me: I was on a international travel and missed one call (only one call on XX/XX/XXXX) from their account manager XXXX XXXX. Instead of emailing me to schedule another call, she closed all my accounts including 4 credit cards and 2 bank accounts without my permission on XX/XX/XXXX.I was shocked when I found my saving is XXXX when came back, so I contacted the banking department to find out what's going on. They said that I personally called to close the accounts, which I never did. I suspect that XXXX XXXX stole my identity to do that.Later on, my credit cards was declined during purchases. So I called their credit card department and finally had a chance to speak with XXXX XXXX. She said I asked for it, like she never had a chance to read my complaint and solution suggestions. I listed the possible solutions on the complaint but she has no right to close my account without my written or spoken confirmation.This caused me so much trouble these days that my direct deposit has nowhere to go, my purchases was declined and I had to run to other banks to open account in the blizzard.Btw I never had credit issue, late payments or suspect ML activities.I've always been an active and royal customer with Citi but this time they did way over the line. XXXX XXXX  is not the right person to do this job.