WillisBack/dataset-financial-user-claim huggingface dataset:
Early this year there was a mix-up with my mailing address that is still affecting my credit score. After making payments for what I assumed was interest to avoid capitalization, my correspondence from XXXX began inexplicably being sent to an address that was over a decade old, and I received neither emails nor phone calls that notified me of the change. Again, I had been receiving correspondence and even made payments from my current address at which I 've been since I purchased it in XXXX. It was only until seeing a major dip in my credit score that I was even aware there was a problem. After speaking to one of XXXX XXXX representatives to see why they 'd reported me as delinquent, XXXX, and later a manager, XXXX, we were able to get the situation cleared up. They acknowledged that correspondence had been sent to several old addresses and were unable to determine precisely why. They claimed that they had tried to contact me but I can attest to the fact that I received no contact. My current address and phone number were confirmed and my account was made current and placed into deferment until my next payment which was due XXXX/XXXX/XXXX. Unfortunately, my credit score is still showing me as having delinquent payments, even though I didnt receive any bills, correspondence, or contact of any kind from XXXX after the payment made in XXXX XXXX ( again, made under the impression that it was another interest payment to prevent it from being capitalized since I had n't received anything that indicated that my loan had moved from a deferment to a repayment status ). 

Ive filed a dispute with the credit agency ( Transunion ) already and did the same with XXXX. I asked XXXX to send me a written confirmation that my bills were being sent to the wrong address so the credit agency could complete their investigation and repair my credit score. Failing that, I asked that they provide an updated report that reflects the fact that my account was current, no payment was due until XXXX/XXXX/XXXX, and I was therefore not a delinquent borrower. I provided all this information to XXXX in the form of a letter, along with a copy of my credit report. Also included was a copy of a billing statement dated XXXX/XXXX/XXXX which reflected no past due balance and no payment due until XXXX/XXXX/XXXX. 

XXXX has refused to remove the delinquency or provide the information I requested so I can try to get the matter resolved through Transunion. Because my Federal loans count as 13 separate accounts, this has had a MAJOR impact on my credit score. My payment history for this and all other lenders is otherwise flawless and it is n't fair that a mistake made by XXXX can have so much impact on an otherwise perfect history.
I completed a fraud package with XXXX and sent it to them. XXXX sent me a letter stating that they would remove the account from my credit report. At one point it was removed. Credit Solutions has placed it back on my report with a fraudulent date of XXXX XXXX, 2013. The previous debt is over 8 or 9 years old.
Credit Solutions is using fraudulent means to collect a debt. Credit Solutions Cor Opened XXXX XXXX, 2013 - {$260.00} Original creditor : XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. Balance {$260.00} Highest Balance {$260.00} Opened XXXX XXXX, 2013 ( 4 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX See an error? You could dispute an error with XXXX. GO TO XXXX Creditor Information CREDIT SOLUTIONS CORP
Hello, I received emails about a ticket transaction that was unfamiliar to me. I checked my Bank of America account and realized I had suspicious activity. Charges I had not made to a company called XXXX XXXX XXXX. 

I was charged on XX/XX/2019, the transactions are on my statement as follows. 

TICKETS XXXX XXXX CT {$100.00} also TICKETS XXXX XXXX CT {$160.00} I read the instructions on their website and called. I checked with anyone that has access to your account. No one has access besides myself. If you still suspect your information was stolen, please call us at XXXX to file a claim. I called and had my card cancelled. For your protection we will close your account to prevent further use, open a new account and issue you a new credit card. They issued a new card. My fraud dispute appeared on my card activity on XX/XX/2019. 

The charge was credited back to my account while they reviewed my claim. 

I received a letter on XX/XX/2019 stating my fraud claim was not approved. I called again and asked them to renew my complaint when I saw the transaction reappear on my bank account before the letter arrived. 

I am still receiving emails from the company XXXX XXXX XXXX. They do not have an unsubscribe option and I am not comfortable calling them. This is a link I found through the email they sent. https : XXXX XXXX XXXX XXXX XXXX XXXX
Step 1 : What is this complaint about?

Unable to freeze my credit : XXXX XXXX and Experian Step 2 : What type of problem are you having? 

XXXX XXXX and Experian both sent me in loops, with no ability to freeze credit. I was offered several times to buy into XXXX XXXX or XXXX  Experian services. 

Step 3 : What happened?

I wasted over an hour attempting to get my credit frozen. Overseas reps and third party vendors were only interested in the sale, then they transferred me. I confirmed my SS # reluctantly SIX times.

Step 4 : What company is this complaint about? XXXX XXXX  and Experian Step 5 : Who are the people involved?

15 nameless individuals who could probably never be found. XXXX XXXX and Experian know that locking or freezing ones credit isn't part of their profit model, so why make it easy if they're not being regulated to do so or even monitored.
After several years and XXXX offers from the same buyer, my lender finally responded to an offer and approved the short sale on my home. This was only after a complaint was submitted to the CFPB on my behalf by the Whitehouse as a result of a letter I had written to President Obama. Prior to closing the buyer requested an extension of the time to close. Her XXXX mother had recently spent time in the hospital and a XXXX. She was unable to travel and could not be left alone. The buyer is her sole caregiver and they live in Oregon. The request along with an explanation was faxed to the lender on XX/XX/2017. The closing was to take place on XX/XX/2017. On XX/XX/2017 I received a letter from the lender ( dated XX/XX/2017 ) stating that I am not eligible for a short sale at this time.
Telemarketing scammers of Portfolio Recovery XXXX are trying to shake me down for imaginary, non-extistant debts. These vicious telemarking criminals are calling from about XXXX different telephone numbers.
The collector requested money not owed and threatened to report the false debt to the credit bureaus. There is no debt! Medical bills were filed with XXXX and my XXXX XXXX and payment was rendered. Furthermore, I received nothing regarding the bills from the hospital that turned me over to the collection company. To resolve the issue, I had to spend time to find my XXXX and then fax the information to the debt collector. The girl I spoke with told me to find the information to prove to her there was no debt She stated that she could file an insurance claim if the claim had not been filed and she could receive the payment, yet she could not check with the insurance company herself to see that there was a claim. I do n't understand how she can get money, but ca n't get information from my insurance company! This is wrong!!!
I checked my credit report today and it showed this medical debt for an ambulance I took. I do not even remember using this ambulance and never received information about this debt it just suddenly appeared like a shadow on my report. The company never contacted me or spoke with me before putting it in collections it just arrived on my report like some shadow.
A third party XXXX XXXX XXXX XXXX  called on behalf of debt allegedly owed to XXXX XXXX which is a pay day loan. They were very rude and threatening. I did reach out to XXXX XXXX but am not able to get any reliable information. I am hoping to receive accurate information from XXXX XXXX concerning any debt owed.
I have spoke to Chase to report unauthorized charges on my account, I was I going get letter in the mail to sign and return back, I was also told I would get temporary credit on the account, neither happened. 
Chase Sapphire Card
I received a call from Portfolio Recovery Associated stating I owed money for an old XXXX Credit card. I stated that I was n't aware of owing any money on a account and please send documentation to prove the amount. On XX/XX/2017 I received a XXXX page document which included a letter from the company stating I owed money a credit card statement that showed I owed {$0.00}. The same day I called into the company and explained the agent what I had received in the mail and proved that nothing was owed per the bill they sent. She then insisted that a XXXX page document was n't sent but a XXXX page document. After almost an hour of telling the agent they didnt send me XXXX pages and her telling me in a round about way I was lieing hung up on me. I then called back in an spoke to another agent who confirmed there was no XXXX page document sent and saw the XXXX page document and agreed that it did n't not prove there was money owed but saw other documents that did show it. I explained if they didst send me what she was talking about how do I validate it is true. She agreed and said she would put the account in dispute, but could n't delete it from my credit report. Per the fair debt collection law the agency has 30 days to prove the debt is valid and has clearly not done so. They also clearly lied on what they claim they sent which would be another violation. The agent then transferred me to a manger who stated by sending me the invoice that showed a balance of {$0.00} was good enough to validate the debt. I asked her over and over again how showing me a bill with a {$0.00} balance is any proof of that over {$600.00} is owed and she could n't answer that.
XXXX XXXX in XXXX Arkansas sold me a XXXX XXXX and could not fix the leak in the XXXX  XXXX had it a little over a month and it had been in there shop 4 times and still leaked The service manager XXXX XXXX told me that the hole i could stick my hand in was normal and XXXX percent of XXXX leaked i had to XXXX the car and tell him the fifth bow was bent Anyways XXXX XXXX  the salesman i delt with recomended getting a new car to fix problem. I took the bait. XXXX informed me XXXX the main manager and the others were doing my paperwork while i drove the new XXXX I left thinking that new XXXX dollar XXXX i got for XXXX for all the trubble. I soon realized that i had it crossed and i was paying XXXX dollars on the XXXX they couldnt fix ive been back to get no help they XXXX me and my wife up and are taking money they dont deserve plz help us these guys are crooks and liars in suits
I opened a Federal Student Loan to attend College after I completed my Education I became permanently XXXX and could not work. I requested that the lender forbear my account because of my medical situation. The Loan only had my account in forbearance for a short period and even after my continued request for Loan forbearance the servicer reported negative account information to the Credit Reporting Agencies. I have since had my Student Loans completed discharged because of my permanent medical condition however the Prior Federal Loan Servicer continues to report my account negative even though it has even past the 7 year statue of limitation.
Problem : XXXX transactions from XXXX can not be traced to the actual account that money was deposited to. 

Background. 
Discovered in XX/XX/XXXX that my XXXX XXXX recipient did not recieve payments that were processed from XX/XX/XXXX to XX/XX/XXXX. The first payment was a {$1.00} ( which was a test for this system ) and the rest of the payments were {$1000.00}. She recieved notifications and accepted the payments via XXXX. Unfortuantely She never actually checked the account that the money was depositing correctly. This account was a secondary account and chase is not her primary bank. The account that she registered her XXXX account with was a savings account. She does not have a checking account through chase. Primary accounts have been checked to see if money was deposited in her other accounts but nothing was found. The discovery was found when Chase contacted the recipient because their account was inactive and was soliciting them for investment options. The balance was reviewed and then the discrepancy was discovered. 

Accounding to Chase customer service XXXX XXXX can not deposit into a savings account and should of returned to my account within the week. I have documentation that all payments left my bank account but never returned. I also have documentation that the intended account never received the XXXX payments. 

The issues that complicate this case is the age of the transaction and that the recipient closed the account when they discovered the issue because they longer wanted to deal with Chase.

My Chase branch manager and staff have done all they can do to try to resolve this problem but because of the age of these transactions they are limited in what they can discover. The Branch and I have found the online support unable to deal with an issue like this and did not seem to know how to escalate it. Someone from " Research '' left a message with a phone number and an extension. I called back many times but was never called back. My branch also called this extension and never received a call back. We have repeated this process several times with no success. 

I need to know if trully this money can not be traced and that I'm not just a victim of poor customer service outside the branch level. I have banked with Chase ever since they bought XXXX XXXX. I do everything through Chase. I have a house payment, my rental house payment, a truck payment, savings, and two credit cards all through Chase. If I can not recover this money then at the very least I need to know what exactly happen.
Contacted XXXX XXXX prior to property taxes due in XXXX to verify amount covered by escrow. Customer service informed me the escrow account pays the amount and the letter is just a taxes formality. 

XXXX XXXX received a letter stating taxes were not paid with 30 day notice. Called XXXX XXXX 3 times, emailed letter, each time was told it was being taken care of and would take 10 days and watch my escrow account. XXXX XXXX still not paid. Received survey letter in the mail from XXXX XXXX.
Bank of America signed me up for a lifetime free checking agreement years ago. I have had an account with this bank since 1988. They have been charging me {$14.00} dollars a month fee and told me that they " changed '' the terms. This is NOT what the agreement stated when I opened the account. I have had rude customer services express that I am more than welcome to close this account if I am not happy, when I am requesting them to honor their agreement.
After receiving my XXXX XXXX I took about a year off and had Navient defer my payments. When the deference ended they automatically reported it to my credit bureaus drooping my score significantly. When I called them, they had me print off all of my credit reports, fill out paperwork and mail, not fax, it to them. I did all of this in the XX/XX/2016 and it still never got fixed. My credit bureau said they ca n't do anything unless Navient agrees that it was a mistake, which they never have. I 'm now being forced to try and raise my credit score back up again.
I spoke to Nelnet on XX/XX/XXXX regarding the number of payments I've made, the total of the payments I've made, and how I still owe over half the balance I started with 6 years later. The loan started out at {$6100.00}. I've made steady payments since XX/XX/XXXX, at 8.25 % interest, yet I still owe {$3400.00}. I see that I was put on some kind of payment plan in XX/XX/XXXX that I have no paperwork on, nor did I agree to. It started a 52 payment term, and I have no idea why. The customer service rep 's response to my questions was " interest is charged daily. '' That interest amounts to about $ XXXX/day. That would equal in the neighborhood of {$1600.00} paid in interest over the past six years. However, their webiste says I have paid {$3300.00} in interest and {$4500.00} on principal. In addition, the Master Promissory Note is not available online in the documents section, nor is any proof that I agreed to a revamp of my payment schedule in XX/XX/XXXX.
On Saturday XXXX XXXX 2016, I went on-line to transfer $ from my TD savings a/c to pay the O/S balance on my TD CC. The payment amount immediately was deducted from my savings a/c, but 2 days later still has not been credited to my CC ... .effectively denying me the use of the at money for 2 days. This appears to be a standard practice of TD, and if applied to all payments, could involve huge sums. TD effectively is using our money, ( overnight money market? ) without our approval. Do all banks do this?
We ( I and my spouse ) have opened two checking accounts that has a bonus promotion of {$400.00}, per account, contingent that the account maintains its opening balance for two months. Each account will be credited with {$400.00} no later than 90 days after the two month period has past. We opened the account on XX/XX/2018. We were informed that our account will be credited with the promotional bonus by XX/XX/2018. We called Citi to inquire about the balance on XX/XX/2018 and was advised that it will be credited by XX/XX/2018. After confirming that the promotional bonus was not credited, we were informed to wait for a week. On XX/XX/2018, we called Citi again to inquire on the promotional balance credit. They stated that an internal investigation needs to be filed and we can assume that the investigation results will be available by XX/XX/2018. We called Citi on XX/XX/2018, inquiring on the disposition of the internal investigation and was advised that their investigation queue is taking longer than expected and that they can not provide an estimate when it will be resolved. 
We have opened the account and adhered to the contractual obligations of the promotional requirements. We have in good faith called Citi numerous times to address and correct the issue. However, Citi is giving us a run around and not adhering to its contractual obligations. 

Please assist.
I purchased a car from drivetime they never told me that the car had recall on it the power steering went out while I was driving on XXXX and I almost died the warranty tried to blame me for the power steering going out. The car is sitting at the shop I am unable to drive it at all the car is not even a year old. I really they cheated me and I believe they owe me money back for this car
National Credit systems claims I have a debt from breaking a lease at an apartment I lived in in 2012. The amount that is being said I owe is over XXXX $ When I contact the credit company they can not tell me or show me in my lease where I am obligated to pay for rent even though I gave a 30 day written notice. I was under the impression that if I gave the apartments a 30 day notice that was all I had to do. The credit company can also not see where it says in the copy of the lease that they have obtained that I would be required to pay for these months. They have called and requested more information from the apartment company to no avail. After many conversations with a supervisor, i made a phone call to National Credit Systems to get more information today and requested I speak to the same supervisor I have been speaking to, however I was transferred to a representative. When I tried to stop the representative and tell him I was working with a supervisor he proceeded to scream in to the phone numerous times that " I was rude '' When finally in contact with the supervisor she stated to me that the information requested from the apartment complex was just to " do me a favor '' not because they needed the information to verify this was correct information. She then told me that I could call back after I receive a letter from the apartments. This information is not correct and is affecting my ability to purchase anything.
On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from American Coradius International LLC, both asserting XXXX XXXX XXXX as a creditor. The XXXX amount was {$620.00} and the American Coradius amount was for {$50.00}. I checked with XXXX. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in XX/XX/2006. This is clearly identity theft.
I purchased bitcoin ( {$500.00} ) on XX/XX/XXXX and sold it ( {$440.00} ) on XX/XX/XXXX. The funds did appear in my Wallet, but the funds never went back to my bank ( XXXX XXXX ). Coinbase Co. already had my bank and account number on file, so they should have been able to electronically move the money into my bank account. They make it almost impossible to get money back. Can you help? Thanks. XXXX XXXX
On XX/XX/XXXX I notified Citibank by phone of fraudulent activity resulting from a balance transfer check that posted on XX/XX/XXXX. At that time I was informed there was nothing further I need to do. Citibank representative said I would receive notification of dispute within a short time period, and they would issue a new credit card. On XX/XX/XXXX I called Citibank again to confirm dispute was in process, and tried to obtain an address to send written notification and I requested a copy of my credit card agreement. After insisting on speaking to a manger so I could be provided the exact address of where to write in order to file a formal dispute, XXXX ( a supervisor ) came on the line and gave me a PO Box tht was not the same as what I found out later should be used. As of the writing of this complaint, I have only been provided a copy of a somewhat illegible credit card agreement, and have not been provided with any written confirmation of my dispute, and they have not sent me a new credit card " in order protect the integrity of the account ''. I sent registered return receipt letters to XXXX different Postal Boxes that I was given from various personnel and correspondence with Citi, and I have acknowledgment of receipt dated XX/XX/XXXX. As of this evening, there is nothing on the website for my account that shows the account is in dispute, and I have not received any sort of acknowledgement of it either, and I have a payment due on XX/XX/XXXX. The company stated that they could not provide me with the name of the company or person that the fraudulent check was paid to.