WillisBack/dataset-financial-user-claim huggingface dataset:
One day past due on the payment so Conn 's calls 10 or more times a day. Ive asked them to please stop calling me so many times.
Bank of America claims that there is a Massachusetts state law that prohibits it from extending home equity credit lines to owners of homes held in trust. I tried in the early spring XX/XX/XXXX and again in XX/XX/XXXX to open a home equity line of credit to replace the one I have had for decades with Bank of America and that will expire in XX/XX/XXXX. Both times I was told that there is a Massachusetts law prohibiting BoA from extending a home equity line of credit for a house held in trust. I am trying to get a line of credit for the same house that I have a line of credit for for many years. <P/>Yet I have spoken with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX as well as my estate attorney and have been told that home equity lines of credit are extended to owners of homes held in trust, subject of course, to scrutiny of the relevant trust documents but that most often there are no impediments to gaining a line of credit. <P/>My concern is that BoA is not truthful and that homeowners are not getting accurate information. <P/>I will apply for a home equity credit line early in XX/XX/XXXX, probably at XXXX XXXX XXXX, XXXX XXXX XXXX, or another local bank. I do not anticipate any problems.
I have submitted request for removal of unauthorized inquiries into my credit report to both the credit bureaus ( XXXX, XXXX, XXXX ) and the companies that requested my credit report ( [ XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2018 ], [ Discover Bank Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX - XXXX Inquiry from XX/XX/2018 ], [ Discover Bank Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX - XXXX Inquiry from XX/XX/2018 ], on three different occasions and till date I have not received a response from anyone of them.
I submitted a transaction on coinbase.com of XX/XX/XXXX at XXXX. It is XX/XX/XXXX XXXX and the transaction is still " waiting for approval ''. The policy stated that the transaction will be completed in 48 hours but it has been over 100 hours and I am losing on my investments. This is UNACCEPTABLE and I am trying to retrieve my investments from them and close my account. Their customer service is non-existent. It is a scam and they are locking up people 's funds and trading with it.
I opened a checking account as per the bank 's promotion offer in their website. 
After fulfilling the requirements, bank is not honoring the bonus saying the offer was n't applied correctly or it had expired when I used it. 

I actually have the copy of their promotional offer.
I have sent Trans Union numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and remove 1 account that does not belong to me.
XXXX has comeback with a reply to complaint ID XXXX. If XXXX were actually the servicer of the loan at that time and the info they supplied in their response is accurate, they admit that the account was retroactively made current for the months in 2011 that  are reported as late. If this is correct then XXXX needs to then retroact and retract the derogatory statements for that time period because they would in fact be erroneous if the account was in forebearance as XXXX stated in their response. XXXX 's own words attest to the fact the accounts were made current. I have supplied the portion of XXXX reply that substantiates this fact. I am asking that the historical data correctly reflects the proper period of forebearance on my credit reports. I am also asking that the derogatory statements be removed as they are in fact incorrect according to XXXX.
My mother passed away in XXXX 2014. There was an unknown mortgage on the family house. Now the house in in foreclosure. Now I need someone with someone with some authority to help me out with the situation!
We have sent mutiple request, XXXX by calling and also sending letters, the last was a Certified Letter XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, 2015, to have them produce signed documents and statements showing I owe and debt, to date we have not been provided the proper documents as required by law to collect and debt, further research shows a pattern by this company to change names and also complaints against their collection practices.
I use a service called " Coinbase '' to buy and sell digital currency. I have roughly {$5000.00} USD with this 3rd party and have had an unacceptable experience with their customer service.

Just over a month ago, my cellphone was stolen and so I had Coinbase freeze my account fearing unauthorized access to my funds. I have called and emailed Coinbase numerous times to resolve this issue and each and every time they give me vague reassurance that they will unlock my account eventually. Apparently this needs the attention of a specialist who evidently needs more than 1 month to click through a few links and unfreeze my assets. 

This customer service is unacceptable and even borderline criminal as my investments have declined in value and I have been locked out of making trades to protect myself. 

I want to put this issue forward with the CFPB in an attempt to warn others from this service. Hopefully this will also draw attention to their customer service shortcomings and give their clients the respect they deserve!
I opened a checking and savings account with PNC in XXXX XXXX when I began working for a company called XXXX in XXXX MO. I had my payroll check automatically deposited into my PNC checking account. In XXXX XXXX, I closed both my checking and savings account with PNC, and on Thursday, XXXX XXXX, PNC sent my my final bank statement and I was surprised to see XXXX accounts that I had NOT opened in my name, A Premiere Money Market Statement and a Interest Checking Statement with a different account number that I had with PNC- ( all docs are attached! ) The XXXX account that I was familiar with was my checking/savings account that ended in : XXXX The money market account that I DID NOT OPEN OR AUTHORIZE ends in : XXXX The Interest checking account that I DID NOT OPEN OR AUTHORZE ends in XXXX
I recently submitted a repayment option with my Mortgage Company Chase. I was assisted by a third party XXXX XXXX on XXXX XXXX, 2016 with explaining to Chase my reason for the temporary hardship. In the request I explained thoroughly to Chase why I had fallen behind on my mortgage due to a hardship. My father past away without a life insurance policy, therefore I had to assist in his burial expenses where I had to forego my mortgage payments for 4 months to pay off the burial and funeral expenses. When I could I would make a mortgage payment when I could. This is when I reached out to Chase for assistance. I sent to them all the necessary documents required and also explained to them that I am working a XXXX job XXXX days a week approximately XXXX hours and a XXXX job working XXXX days a week approximately XXXX hours. I feel this is more than enough income to grant me a repayment play and it would only be a short period for approximately six to four months. After a few weeks with the underwriters reviewing the reques, they came back with a decision to deny and suggested I arrange for a Short Sale. I know I am making more than enough income to bring the mortgage current with the option for a repayment agreement. That is not what I wanted.I want to continue maintaining the property and just wanted the option of a repayment option to bring the mortgage current. I was so hurt a little depressed from the decision. This is why I am reaching out to you all for further assistance. 

Thaanks
My wife filed for bankruptcy years ago.The mortgage company put a lien on our home and she paid it off. The bank sent a letter stating the debt was paid in full but now they will not remove the lien. This has been going on for two years.
I have been getting harassing phone calls and threats in my voicemail from this company, claiming to have a debt against me, for a company that I have never heard of and an account i have never had in my life. They have threatened to sue me, and come to my job and " deal with me '' and even come to my house to " handle the situation ''. These are verbal threats and voicemail 's that have been left by collectors harassing myself, my wife, and my family members.
On XX/XX/2018 I sent a letter to verify the validity of a collection account from an apartment complex I previously resided in on my Equifax/XXXX credit report. I called the original creditor to validate the claim and I sent a letter to Equifax/XXXX. The original creditor said my account information was archived and they did not have it at this moment but would contact me once those records were pulled. They never contacted me. I received a letter back from Equifax/XXXX saying they have verified the validity of the account but did not include such information with the response. Also, they have not sent me a copy of the information from the creditor to verify for myself. I have sent follow up letters subsequent to the XX/XX/XXXX request for this information and as of today XX/XX/2018 I have still not received any information from the creditor or Equifax/XXXX verifying that I owe this debt I am vehemently disputing. This is causing me terrible distress as I am willing to pay any debt that I owe but I am positive that I do NOT owe this debt.
we disputed public record of bankruptcy filed XXXX2009 credit  bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.
No knowledge of this account. I was in hospital for XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX was my insurance provider at the time and paid my medical bill according to their statements. I never once received any hospital bill after XX/XX/XXXX and was under the impression everything was paid off,  nothing owed by myself or insurance. Three years later, Eastern Account Systems showed up on my credit report alleging I owe a {$2700.00} collection account with a date opened as XX/XX/XXXX. This is not only unbeknownst to me but why three years after the fact does this randomly pop up on my credit report? Not to mention, Eastern Account Systems has repeatedly harassed me on a daily basis calling from fake phone numbers, changing the city and state on caller ID each time a call is made. This not only interferes with my job but also is a major nuisance day to day on a personal level. I have NO knowledge whatsoever of this collection account. For all I know, this is identify theft. I was never sent any bills as normally would receive if money was owed by me. Why three years later does this appear on my credit report? This mysterious and bizarre collection account is damaging my credit that I have worked so hard to build. I pay ALL of my bills on time. I want this nonsense removed from my credit report as well as this bogus company, Eastern Account Systems, held  liable for harassment and fraud.
I closed my Citibank credit card account in XX/XX/XXXX due to the 2 fraud transactions that resulted in {$1500.00} balance. At the time I closed the account, Id had a merchant ( XXXX ) refund my account {$710.00}, so that left the fraudulent balance on my account to {$780.00}. I was informed by the Citibank associate who helped me close my account that I would not be authorized for the this {$780.00} balance. 

Last month XX/XX/XXXX, Citibank asked me to pay for the {$1500.00} that incurred from the fraudulent activities back in XX/XX/XXXX. They told me I was responsible for these transactions before I did not promptly responded to the fraudulent affidavit form Citi bank mailed to my home, which I NEVER received. Nor did I receive any email from Citibank regarding that affidavit form. So I believe Citibank was not being truthful about that and just charged back the amount on my card for their convenience not having to go through the fraudulent claim on my behalf. 

I submitted a claim with CFPB 2 weeks ago and Citibank mailed me the affidavit form for the first time. I filed in the form and returned to them in the mail TWICE. Still, my account balance has not been changed ( {$1500.00} ). Citibank acknowledge that there was a refund of {$710.00}. Still, they had not fix the balance on my account at all.
this account was to be deleted from my credit report as charges was unauthorized and today XX/XX/XXXX still showing on my credit report XXXX XXXX I was told than in less than one month charges were to be deleted from the credit bureaussynchrony bank/lowesSYNCHRONY BANK/LOWESXXXX .... 
{$2300.00} as of XX/XX/XXXXClosed. {$2300.00} written off. {$550.00} past due as of XX/XX/XXXX 



XXXX XXXX XXXX FL XXXX XXXX XXXXAddress identification numberXXXXSold toXXXXTypeCharge CardTermsNACredit limit or original amountNot reportedHigh balance $ XXXX payment $ XXXXRecent payment $ XXXXDate of XX/XX/XXXX XX/XX/XXXX 's statementPurchased by another lender. 
Reinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX
After graduating I had family issues and was n't able to start paying on my loans. Then I had XXXX and was out of work. I was told to go in forbearance every time I could n't afford to pay and after my forbearance ran out I was told to defer my loans. However, no one ever asked if I could afford to pay something that I was able to at that time. I now have all of this accrued interest which is insane. I get another call from Navient telling me my loan is past due. NOW they are willing to do an IDR?????
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.
I have been a Victim that Transunion knows really well about and that the the INQUIRY ISSUE that they experienced a while back. I have tried to reason with Trans-Union Credit Bureau and eerytime they have refused to address this situation. I have simply asked them to clear my Hard Inquires and they have refused to do so.
Salle May has been calling XXXX 8 times a day trying to collect payment on my sons student loan. Even after making a payment they continue to call non stop. I was told by them that the student loan is through a private insurer which happens to be Salle May and is not secured by the federal government.
I closed my Credit Card account with Barclay Bank in XXXX XXXX. On XXXX XXXX, XXXX I was notified by email that I have a new charge on the account. I called Barclay and they confirmed the account was closed but said they charged the account because it was a subscription charge. I stated that does not matter the account was closed - no new charges should be allowed.
I received a notice from credit monitoring service back in XXXX of an alert on my Experian credit report. It showed a Charge Off for XXXX XXXX in XXXX. I never had a charge off on this account and no late payments. I paid the account in full in XXXX for {$98.00}. I have disputed it 3 three times with Experian and they still show the charge off. Everytime I call Experian I can not get anyone to listen, they just say they will dispute it. My account is reported correctly on the other two credit bureaus. Experian keeps blaming the creditor stating it's the way the creditor reported it. I called the creditor and they have checked on their end and never reported a charge off. The creditor sent me a letter in writing stating my account was paid in full in XXXX. This wrong reporting by Experian caused me to lose financing for my home. I can not afford to wait another 30 days for them to dispute again. Experian has not reached out to the creditor, the creditor has confirmed this. 

I have attached the receipt from when I paid off the loan and a letter from the creditor 's corporate office stating the loan was paid in full in XXXX.
I opened a chase sapphire preferred credit card sometime in  XX/XX/XXXX  to  XX/XX/XXXX . After a few months and a couple of transaction, I decided that I did not like the card and ask the representative to close my card or convert it to a different without a fee, as the  Chase Sapphire Preferred card ha s an annual fee of {$95.00}, which is waived the first year.  <P/> Fast forward to  XX/XX/XXXX , and I have n't used the card in many many months ( almost a year ), and I find out that my card has n't been closed and I 've now been charged the annual fee even though I c ontacted Chase to close/change   my card almost a year ago.  <P/> I do n't recall how I contacted them and there is no record of my initial contact because if I did it over the phone, I did n't record the conversation, and if I did it online on their secured messages, they purge the messages on their end.  <P/> This is a deceptive practice b y Chase.
A hold was placed on my savings account so I was unable to transfer money into it. I called the customer service number and was told I have to contact a banker in Colorado to receive any kind of information regarding why I was unable to access my money. The next day I found the same hold on my checking account as well, and was told the hold on my savings account had been in place since XX/XX/2015. This is absolutely untrue as I 've processed transactions using this savings account frequently over the past year. I now have no access to my money. I have tried calling the number provided to me and no one answers the phone. I am attempting to open a new checking account at a new bank because of the service I 've received at my current bank. However, to verify my current account the new bank needs to submit two 'trial deposits ' into that account. The new institution is unable to process these transactions due to these holds, the nature of which no one seems to have any information on. Now this is preventing me from being able to open a new bank account. I can not access my money for reasons that have yet to be explained to me, and I can not move my money to a new institution because my current institution froze my accounts and did n't feel it necessary to inform me.
This complaint is regarding XXXX XXXX XXXX. In 2017, my loan was transferred to another lender away from XXXX and XXXX refuses to update the " Payment Status '' of this account from " 120 day past due '' to " Account Sold or Transferred to another Lender ''. The account is NOT 120 past due or delinquent, as XXXX  is no longer the holder of this account. This account should reflect as paid with XXXX, XXXX, XXXX. I have placed a call into XXXX about this issue and spoke with Customer Service who confirmed that she was sending an email to a XXXX XXXX to request for this information to be updated on my credit report. This was not done as promised. Hence, I am filing a complaint. I have disputed the information with the 3 credit bureaus and the results came back VERIFIED, which is incorrect. I'd like written proof of what the verification process was to verify that this account status was correct. This account needs to updated accurately or removed from my credit profile immediately. Thank you.
Pervasive and consistent failure of Chase to abide by FCA. Will not investigate dispute properly. Will not provide contact information to claims person. Will not provide information forwarded by merchant. Internal person assigned does not speak English. Chase will not look at evidence or merits of claims presented by consumers and will rely on self-serving, non-evidentiary information provided by merchant each and every time.

I have tape of conversation with Chase representative evidencing pervasive fraud and failure to abide by FCA.
Express Recovery Services called asking for my wife. When I said she was unavailable they asked me if I were her husband, I told them I was, then told me who they were and never read the disclosure. When I said do n't associate me with this debt they said they could n't since she knew I was. That is when I stated I had been entrapped and disclosures regarding debt collection were never made and refused to produce evidence to the contrary. FAILURE : to follow proper disclosure requirements.
This is a followup to complaint number XXXX regarding XXXX XXXX and Equifax. As reported previously XXXX discovered my identify on the dark web ( I am one of the millions of Americans affected by the Equifax breach ) and on XX/XX/2018 reported to me that credit checks from XXXX XXXX and XXXX XXXX were issued to Equifax for credit card approval utilizing an my old residence address and in the case of XXXX XXXX  an incorrect SSN. XXXX contacted me and we contacted both XXXX XXXX and XXXX XXXX to discover that Equifax approved both credit checks! Both XXXX XXXX and XXXX XXXX stated they would cancel sending out the credit cards and remove the credit check on my credit bureau reports. Since then XXXX XXXX has followed through and removed the credit check as reported by XXXX XXXX and XXXX. 

However, both XXXX XXXX and Equifax have refused to remove the credit check as a result of the XXXX XXXX fraudulent application. Attached is a letter from XXXX XXXX even refusing to acknowledge any fraud and demanding more information, which I have already provided by both phone and in writing. In my last conversation with XXXX XXXX they stated that it was Equifax 's issue as they had already submitted their report however, neither XXXX XXXX or XXXX  have received the XXXX XXXX correction request as documented by their credit reports.