WillisBack/dataset-financial-user-claim huggingface dataset:
I was given questions to answer from Transunion however, one of the questions asked me to answer the county in which i lived? I know that I lived in XXXX XXXX, CA however, I did not know the county that city resided in! Then I was denied my free credit report as a result of it!!! I still want my free yearly credit report from Transunion!!!! This has happened to me from XXXX or XXXX and now from Transunion!!! I am tired of this being allowed to happen!!!! 

Thanks, XXXX XXXX
On XXXX XXXX, 2016 I mailed a " certified mail receipt '' letter to the Annual Credit Report Services, XXXX. XXXX XXXX, XXXX, GA XXXX. In this letter I requested each of my credit reports, and provided documentation of denials of credit that I received after attempting to purchase a vehicle for my grandson. My letter was explicit and there should not have been any problems with my request. I provided all of my contact information. 
As of today, XXXX XXXX, 2016 I have not received a response from this agency and I am concerned about identity theft. I gave them so much information as a means to identify the validity of my request. 
This morning, using the tracking number of my certified mail receipt, I was alerted that my letter was delivered at XXXX., XXXX XXXX, 2016. This is unprofessional, to say the least. 
I have in the past had similar issues with them. It makes me extremely suspicious, because I am disclosing so much personal information that can be used to steal my identity. 
AUTHORIZATION : I have checked the box below. However, I DO NOT WANT MY NAME published. Thank you.
Voluntary surrendered vehicle which was auctioned off with a balance of {$20000.00}. 
Spoke with XXXX XXXX XXXX XXXX, stating unable to pay off balance because I am no longer working and have been diagnosed with a very high aggressive XXXX XXXX. 
I have asked them to stop sending letters/certified letters to me via XXXX mail. They have continued to send certified letters. I am in the process of sending them I am in the process of sending them a certified letter stating to stop all types of mail contact with effective date XX/XX/2019.
XX/XX/2018 I RECEIVED A LETTER FROM AMERICOLLECT CLAIMING I OWE THEM A DEBT FOR SERVICES NOT RECEIVED FROM THEM, I RESPONDED WITH A VALIDATION REQUEST XX/XX/2018 IN WHICH I RECEIVED NO REPLY AT THIS TIME. XX/XX/2018 WHILE LOOKING AT MY CREDIT REPORT I NOTICED AMERICOLLECT REPORTING ILLEGALLY AN ACCOUNT I'M DISPUTING WITH THEM ON ALL THREE MAJOR CRA 'S CAUSING A NEGATIVE IMPACT. I REACHED OUT BY PHONE TO BE RUDELY SPOKEN TO BY THEIR REPRESENTATIVE. AMERICOLLECT IS REFUSING TO SEND VALID VERIFICATION AS REQUESTED IN WRITING. AMERICOLLECT IS REFUSING TO REMOVE THIS UNVALIDATED UNVERIFIED ITEM.
Upon graduating in late XX/XX/XXXX, I entered the workforce working for XXXX in XX/XX/XXXX, right before the market and our economy hit rock bottom. On top of trying to start my career in finance during the worst financial crisis, I was having difficulty making my exorbitant payments with XXXX ( now Navient ). For 2 years, the only option they gave me was to go into forbearance and they continued to roll me into a new forbearance plan every few months ; never giving me an option to lower my payment based on my income. After reading the full complaint and learning of the rules on income based repayment plans that were rolled out in XXXX, I believe I was given bad guidance and now face excessive interest that accrued during the forbearance periods. With this new lawsuit against Navient, I realized I am one of the very people this lawsuit is looking to protect. Please help me understand my rights against this abuse and advise me on the next best steps to take against Navient. After paying my loan timely for years, my original repayment balance of ~ {$60000.00} is still greater than {$76000.00} ; 20 % greater 8 years after graduating. Thank you for your help in advance!
This HELOC account went into default XXXX. XXXX reports the last activity date of XXXX ( when the house foreclosed ) however, they continue to report 90+ days late as of XXXX ( 6.5 years later ). We sent XXXX credit bureau dispute letters however, XXXX has failed to fix the reporting issues. Please CFPB step in and require them to remove the lates after the account charged off. This is account is now 6.5 years old. It should be falling off my credit report all together as of XXXX. This item is reporting to mine and my husband 's reports. XXXX XXXX.
Convergent Outsourcing Inc never sent me anything in writing concerning a debt from XXXX. Furthermore they have been calling me numerous times on my personal mobile from a local number ( XXXX ) and they are located in Washington. I spoke with a representative and she informed me that the amount that Convergent Outsourcing was charging me an additional collection fee because my account was sent to collection. Lastly the representative express that they have a random automatic dialing system that calls me numerous times a day from a local number to increase the chances of speaking with me.
I froze my credit with Experian on XX/XX/2016. I received a pin should I need to thaw or lift the freeze. I applied for a job, was hired pending the credit report. When I tried to thaw the report, even though I had my pin, I was told I needed to mail several identifying papers. I did not get the job due to my credit not being available. I never asked to have my credit " monitored '' from Experian. I feel they stole my information, and now I can not go forward until this is resolved. at best, there should at least be a number to talk to someone. I tried for days, calling many different numbers. They all have the same mantra of a recording asking if I want MORE protection for only {$21.00}!! How can you allow this? I have excellent credit, and Experian has punished me with their inept business practices. They should not be handling this vital information.
I applied for Chase Saphire Card ( via online on XXXX XXXX 2015 ) for which my wife and myself ( both of us got the invite separately ) got the invite by mail. But i was told that they are reviewing it ... now i come to know that they have declined my credit card application. It never happened to me and i am having a credit score of XXXX with credit card utilization of less than XXXX %. The reason that is provided to me " Too many credit cards opened in the last 2 years '' does n't sound to be convincing at all. When i went to credit bureau website ... i do n't find anything which can substantiate the reason from Chase. what 's going on? Moreover this credit card application had made a hard inquiry on my credit report also which will continue for years. Not at all fair or reasonable. After some time ... i applied XXXX XXXX Credit card - which is very much similar to this one and they approved my card ( it was applied after chase saphire credit card ... so they should not count this one ).
My wife and I have lived at our new home for 3 years this XXXX. It is a new address in a new subdivision. The only people that have lived at this address is my wife and I. We have received credit cards and letters from credit card dispute departments in someone else 's name.
On XX/XX/XXXX, I was in XXXX, XXXX and made a purchase with my Bank of America credit card there using the chip.

On XX/XX/XXXX, I received a notification from BofA that they suspected fraud on my account. I immediately called BofA and they notified me that three charges had been made to my card on XX/XX/XXXX in XXXX XXXX, XXXX XXXX. ( I later found out that one of these charges had been made within 55 minutes of the time that I used my card in XXXX, XXXX. ) I confirmed to BofA that my card was in my possession and that the three charges in XXXX XXXX   were in fact fraudulent. BofA issued me a statement credit.

On MXX/XX/XXXX, I logged on to my BofA online banking and noticed for the first time that the credits BofA had issued me for the three fraudulent charges had been reversed on XX/XX/XXXX I immediately called BofA to find out why, and was told that they reversed the charges because their internal investigation had revealed that my chip was used in the three XXXX XXXX charges so I would be liable. The person I spoke with indicated that BofA 's position is that it is impossible to counterfit a chip. At this time, I explained that on XX/XX/XXXX I was in XXXX  and had my card with me and had in fact used it in XXXX on that day. I asked the representative to pull the time stamp of the charges and he at that time confirmed that he was able to verify that my chip was also used in XXXX onXX/XX/XXXX and that the charge in XXXX, XXXX and one of the charges in XXXX XXXX were made within 55 minutes of each other. I explained that with air travel it takes over 3 hours to get from XXXX XXXX to XXXX, and that it is not possible for my card to have been used in XXXX XXXX 55 minutes from the time it was used in XXXX, XXXX. The representative said he would ask for the investigation to be reopened and for the fraud dispute credits to be reissued in the interim while it was being reinvestigated.

On XX/XX/XXXX I logged back on to my BofA online banking and the fraud credits had not been reissued. I called again and spoke to BofA who confirmed the fraud credits had not be reissued. The dispute department was unable to help me on my call.

Unless the laws of physics do not apply to Bank of America 's chip cards, my card was not in both XXXX and XXXX XXXX within 55 minutes. Either ( i ) the chip in my card was counterfit, in which case Bank of America ( and other US card issuers ) have a big problem on their hands that they should be working to solve ; or ( ii ) BofA is lying to me ( either intentionally or because their investigation was performed negligently or incompetently ) when BofA tells me that my chip was used in the three fraudulent XXXX XXXX transactions. The credit for the fraudulent charges should be reissued to my account.
There is an address on my report. I have no idea who 's it is I have never lived there and do n't know anyone who could live at this address. It is XXXX XXXX XXXX XXXX co XXXX
Account closed due to inactivity. However, there was no notification sent that this action would be taken. Synchrony Financial can not produce documentation that states that an account will be closed without disclosing the intention to the account holder first. 

In fact, my account had a debit balance that I was going to utilize. However, I can not use the proceeds as the account was closed without my permission nor notification.
I have XXXX credit cards : XXXX XXXX, XXXX and U.S. Bank. In about XXXX 2016, I received an offer from XXXX to transfer balances from my other cards to XXXX for a 0 % interest rate until XXXX XXXX. There were XXXX checks attached. I wrote XXXX checks ; XXXX for XXXX and XXXX for US Bank. The check to XXXX went through without a problem. I forgot the transfer fees so the check to US Bank was returned because the XXXX amounts went over my credit limit. I called XXXX and it was re-submitted ( with a different amount ) to US Bank. I received a statement from XXXX showing the check was submitted to US Bank ( check XXXX. XXXX ). When I called US Bank, they claim they never received it. Now, XXXX is going to have to cancel that check and re-submit it ( electronically ). I 'm assessed a {$25.00} fee by US Bank every time there is a returned check. I keep being told by US Bank that they do n't show any check by XXXX and XXXX says it was cashed XXXX XXXX. I 'm trying to pay down my credit cards and I feel US Bank is deliberately keeping me from doing so. I do n't have a complaint about XXXX, who is trying to help me.
Hello, I have many private school loans with Key bank. They are claiming I defaulted on XXXX large loans with them. They are demanding that I pay them each month, but they will not send me the loan agreement for XXXX the loans that they claimed I defaulted on. I thought that I was paying these loans through XXXX. I am so confused on how to sort this out. I do n't think I should have XXXX loans in default.
In the economic downturn of XXXX I had a severe reduction in income, which put me in a position where I could not meet all of my regular obligations at once. I reached out to every creditor to make arrangements to either arrange for a settlement with my tax refund in XXXX, or to imporive my terms. Inexplicably, my balance with XXXX bank ballooned by a factor of over XXXX % without me adding any charges at all in a period of a couple of months. I was at an impasse with XXXX and they threatened to sue and they did. I requested statement documenting the obligation that XXXX claimed that I owed and having received the documentation I was prepared to defend myself in court. To my great disappointment and disillusionment with the fairness of the PA court system, XXXX asked for a summary judgement and received it without my ability to simply present the facts to a judge. Recognizing that my cause for fairness and justice was lost, I contacted the attorney for XXXX and asked that I be permitted to simply pay what I owed and nothing more, as that was the fairest resolution I could possibly hope for and the attorney agreed to accept a fair settlement of the bill. To the credit of the attorney for XXXX, they agreed to drop the matter legally, I and I chose not to appeal. Retaining this judgement on my credit report is a continual misrepresentation of the matter, and it should be corrected.
This complaint is linked to CFPB # XXXX - this is the XXXX of the XXXX credit cards with Chase Cardmembers services. 
We were contacted by telephone on Friday XX/XX/XXXX at XXXX ( EST ) by a representative name XXXX who informed us that Chase was reducing our credit limits on all XXXX of our Chase credit cards because our debt to credit ratio was too high and we are now being considered to be a high credit risk. All of our Chase cards have a credit history of 2 years or more however to reach this decision, only 6 mos was used. After some minutes of discussion with XXXX, she transferred us to another representative XXXX. Things went downhill quickly with XXXX as he demanded to know " What are we spending our credit cards on? '' ( Not just Chase all of them - which is none of their business ) - XXXX, XXXX and later XXXX all insisted they used XXXX as the information source to reach this decision on reducing credit card limits on all XXXX of our Chase credit cards. 
On 2 of the letters we received from Chase cardmembers services ( we still have not received a letter on the business credit card ( XXXX ) the explanation on the letter indicates ( 1 ) Rapid increase in revolving balances ( 2 ) Balance owed too high ( on this particular card it was opened in XX/XX/XXXX with a credit limit of {$15000.00} and it only had a balance of {$3600.00} ) We have since paid this account off to XXXX. We have never came even close to maxing out the credit limits on this card. XXXX, XXXX and XXXX all admitted in the phone conversation, they did not even consider looking at the payment history on the card. 
Reason # 3 on the letter indicated the Business Bureau shows PAST DUE HISTORY ON XXXX OR MORE ACCOUNTS. Yet when we went to XXXX, there is no past due history and never has been. As previously stated THESE PEOPLE LIED. 
We feel violated and insulted by the action of Chase Cardmembers Services.
I got into some financial difficulty a year ago when I was laid off from my job. Now, I 'm trying to dig myself out, but XXXX of my credit card companies is trying to keep me from doing so by lowering my credit limit when I make a large payment. This means my credit card utilization rate will remain over 90 %, which is a major hit on my credit score. The low credit score then becomes an excuse for this bank and other creditors to give me increasingly less favorable credit terms. At this rate I will never be able to dig myself out of the hole I 'm in!
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach which happened XXXX through XXXX XXXX. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
I have been trying in vain to get a refund back fro a wire transfer with BBVA Compass for several months to no avail. I have callled their Customer Service Numbers and Fraud Department several times, and every time say a month goes by with no response ... ..I contact them to see if there are any updates and the customer service agent has no idea who I am, can find the complaint/refund request or anything. Most of the time I am transferred to a customer service branch in another country who I can barely understand and vice versa. 

The wire was for {$38000.00} on XXXX XXXX, 2017 which is a HUGE amount for me and I have not been able to get this resolved in several months. It was not until yesterday that I just went to my local branch office in XXXX where the staff helped me out and filed a refund request on my behalf. The Branch manager ( XXXX XXXX ) kindly told me that the chances were not good to get a refund because of the time that had passed, but I have been trying to get the refund through writing the Corporate office and filing a complaint over the phone for several months. That was well within the time period for me to have gotten my refund by now. 

Please help me in this situation, this has caused tremendous stress to myself and my family and I just want it resolved. Thank you
HelloMy name is XXXX XXXX am account holder of Care Credit/Synchrony BankMy account number - XXXX XXXX XXXX XXXXThe Customer Service in this bank is the worst I 've ever know since I 've started to use the credit cards. 
So are the rules. 
My credit line was originally approved for $ XXXX always pay in a timely manner. 
Suddenly with absolutely no reason, I 've received the letter from the customer service, that my credit line was decreased a half! Till {$1500.00}! 
At that point I was in process to do expensive dental work, and relied on this available credit. 
As a result, I 've lost a great deal of money and was embarrassed in from of my doctor. 
Next nightmare I was experienced a few days ago, when I 've received my monthly bill. 
The bill looked as a letter from the mental hospital. 
The billing department stated that I 've paid my monthly charge in the amount of {$43.00}, but the next line says that I 've missed the payment???!!!!! 
As the result, they want me to pay TWICE the same amount that I 've already paid from my checking account ( as I always pay, every month ) + the late fee in the amount of {$38.00}!!!! 
When I 've call your customer service and asked what is it going on, I 've receive the idiotic answer, that my account did n't have enough money to pay it and the payment was not made. 
I verified with my XXXX XXXX XXXX customer service representative and realize that it was a bold lie from your customer service. 
On XXXX XXXX I 've received my regular XXXX check, and my account balance was over {$1500.00}. 
On the top of all this ridiculous unprofessional stupidity, your answering service is terrible. 
Please call and check. 
Any option you select, the machine says : '' I still do n't understand it! " Finally checking today the balance on my account, I understood that you need a good audit- Big Time! 
Your recording told me : '' Thank you for your payment of {$43.00} on XXXX XXXX. Your next payment is XXXX XXXX. 
Your minimum amount due is {$110.00}, since we did n't receive your XXXX XXXX payment!!!!!!!!!!!!!!!!!!!!! \So you have to pay for XXXX ( twice ) and XXXX + late fee!!!!!!!!!!!!!!!!!! 
I was unsuccessfully, trying today to reach you customer service representative, but in vain. 
Your answering service is a broken record, and did n't let me talk to the representative. 
I 've lost a great deal of time already because of this nonsense and not going to make any more payments, till you stop to bill me wrong and apologize for the all your wrongdoing to me. 
I am going to complain to XXXX, XXXX, XXXX, media etc. 
YOU ARE CHARGING THE TREMENDOUS PERCENTAGE FOR YOUR LOUSY SERVICES AND UNPROFESSIONAL PRESENTATION, SO YOU MUST BE HOLD ACCOUNTABLE, AND YOU WILL. 
XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX
I'm going to lose my home. My Mother passed away from XXXX XXXX last XXXX. Her name was on the checking accounts, debit cards etc. Her name was on the mortgage. I was unemployed as I was taking care of her. Now, I'm going through Probate Court. I was supposed to put a notice in the paper about for her creditors but I couldn't afford to put it in the paper as I had other expenses and bills and obligations to take care of. 
I do have a part time job that I started a few months ago. The thing is I can't afford these mortgage payments. In fact, I haven't paid the mortgage in about 9 months. I just couldn't afford it. They know this is as I have been corresponding with them for the past 9 months about this. They said that they can't really help me because I'm not on the Mortgage Account. 
Now, I have been going through this throughout the year. In XXXX, I was named XXXX of My Mother 's Estate. Also, I think it was in XXXX, I spoke to somebody from The IRS because My Mother had to pay almost XXXX dollars to The IRS but she had passed away by then and I couldn't afford it. They told me to call them in XXXX to get an extension, I think. I think it was for an extension. Today, I called my Mortgage Company and told me that I have to fill out and fax a Mortgage Assistance Application. 

The bank is suing me, The IRS and The Probate Court. I've never been sued so I believe that is right. I just don't know what my next option is. I would have paid the mortgage on time if I had the money. I just haven't had the money and not only that but I have had no where to go. Also, I have a Severe XXXX Illness that I'm trying handle but this doesn't help. Can somebody please help me? I'm very worried and very scared.
I applied for a Loan Modification during the financial Meltdown, as I had one of those escalating loans aka " an adjustable rate  mortgage ''. The mortgage company, Washington Mutual, finally agreed to a loan modification in XXXX, 2010, and the Bank 's officers signed off on it. I faithfully paid the " trial period '' payments, x 4, and all were sent and received by the bank via certified funds and mail. The fourth payment was sent, and I received a sheriff sale notice that the bank was taking the property within 30 days. I called the NJ XXXX XXXX County sheriff office and they postponed the sale until the matter was  straightened out. Unfortunately, I have been fighting the banks ever since, and they refuse to acknowledge the loan modification that was granted. They put my payments in a suspense account and proceeded to refuse my monthly checks. I have been submitting paperwork and proof of this claim for 8 years, which has worn me down. I lost my Dad, my daughter, my grandson and my younger sister during this time, and still they called and bothered me through my grief, and I submitted more paperwork each time. Now they have filed for a final foreclosure in the courts, and I have no defense, except for what I believed was my rights as a citizen.
I have had an American Express Card since 1979 and have been generally satisfied with their service until now. 10 days ago, I asked for a credit card balance transfer of {$5000.00} to pay another credit card. AMEX has not performed the transfer and does not intend to transfer the money for another week. Adding insult to injury, AMEX will charge me a balance transfer fee of {$150.00} for this " service '' I have complained to AMEX to no avail.