WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XX/XX/XXXX, at approximately XXXX, I registered on Equifax 's website for the XXXX  XXXX credit monitoring service. My information was part of the Equifax data breach that was announced in XX/XX/XXXX. Upon submitting my information, a message box popped up stating that an e-mail would be sent, however there would be a delay due to the volume of requests. I interpreted that information to mean it could be delay of days so I didn't check my e-mail last night. Instead I checked my e-mail this afternoon. In fine print at the bottom of the e-mail was a message that said " this link will remain active throughout the enrollment period, which ends on Wednesday, XX/XX/XXXX. '' So, by checking my e-mail and trying to click on the link today, I have lost out on this service being provided by Equifax. 

My complaint is the fact that when I hit submit to enroll in the program last night the pop-up box did not state that enrollment had to be completed through the e-mail during the enrollment period. The message in the pop-up box DID NOT contain all the information and DID NOT provide all the steps that had to be completed. The message in the pop-up box was very misleading by stating that there would be a delay in the e-mail being sent due to the volume of requests. There were no details as to how long that delay would be. 

I called Equifax this afternoon and was told that there was absolutely nothing they could do to enroll me in XXXX XXXX credit monitoring services since the enrollment period had ended - even though their own website contained misleading information and missing information. This is extremely frustrating considering that the error and misinformation was on their end. And now, I'm the one whose personal information has been compromised and has no credit monitoring.
Good evening, I 've been paying my private student loans to Navient, formerly XXXX XXXX, on time every month for two years using autopay in order to participate in a reduce interest rate program. I 've never missed a payment or called to defer payments. I recently received tax bills ( XXXX old, XXXX from an amended return for this year ) and it 's going to take a considerable portion of my disposable income over the next couple of months to pay these bills. I called Navient yesterday afternoon to ask for a two month suspension of payments while I handled my tax obligations. 

The representative on the phone told me that since my loans were private, there were no options available. No forbearance. No deferments. I advised her of my situation and she understood that my obligations to the IRS and State were of priority, but stated that their hands were tied. I was forced to cancel my autopay indefinitely in order to prioritize the payment of these unexpected expenses. The representative on the phone advised me that in doing so, I was terminating my enrollment in this reduced rate program, would be ineligible to re-enter the program for a year, and that I would be put in default almost immediately after missing the first payment since these loans were private. 

I honestly just wanted a little flexibility in my payment terms while I took care of these tax bills and they have refused to help. I 'm now looking at missing my first payment ( and going into their proclaimed automatic default ) on the XX/XX/XXXX. 

It 's ludicrous to say " we ca n't help you '' when I 'm making a XXXX dollar per month payment ( 75 percent of which goes to interest alone ).
" SOUTHWEST SYSTEM " I see service with that company under my name in a credit report and I have no clue about it, no knowledge at all regarding this. 
The service was opened on XX/XX/XXXX at {$1700.00} and up and right this month of XX/XX/XXXX the bill is now {$1900.00} up. I need help regarding this matter. Please Help!!!
Alleged original creditor sent an account to primary collection agency that failed to validate the debt, because they ca n't. It is n't mine. Original creditor sent it to this company ( Afni , Inc ) who failed to validate the debt as well. They sent me a copy of a phone bill in my name with a phone number I have never had. This is the second letter I sent them : This letter is to inform your company that you have not sufficiently validate this debt as requested. 

Previous attempts to collect this alleged account have resulted in XXXX ( the original creditor ) failing to provide proof as is required by the FCRA and FDCPA. The previous collection agency, failed to provide the following proof : The amount of the debt ; The name of the creditor to whom the debt is owed ; An explanation of how the alleged charges came to be in a way that a layperson can understand ; Proof that you are licensed to collect debts in Washington State ; Proof of the last payment made on the account A signed contract with the original creditor Afni, has failed to provide the following proof : An explanation of how the alleged charges came to be in a way that a layperson can understand ; Proof that you are licensed to collect debts in Washington State ; Proof of the last payment made on the account A signed contract with the original creditor Furthermore, the documents that were sent ( postmark XXXX/XXXX/2016 ) are a printout of a bill for an account that has NEVER belonged to me ( see document page XXXX of XXXX that you sent ). The phone number XXXX has NEVER belonged to me. Therefore, the information you have provided is not only insufficient, but inaccurate. 

For the reasons previously stated, this debt is not valid.
My Nordstrom 's XXXX Credit Card, Account # XXXX. I had some fraudulent charges on the card, timely notified Nordstrom, who issued me a Credit and a Replacement Card. 
Although I have a replacement card, Nordstrom 's will not activate the card until I forward them a valid State of Michigan Identification ; Social Security Card, and billing statement from another creditor. To expedite the activation, I sent all these documents plus my United States Passport to Nordstroms by next day mail, costing me over {$50.00}. They received it the next day, I  tracked the package through the Postal Service but did not even look at the material to update my card for several weeks. I also went into their local store in XXXX, Michigan, met with the head of their financial service office in that store, gave her a copy of my Idnetification, Social Security Card, United States Passport, and billing statement from another creditor, XXXX XXXX. She called their main office with me present, who she could obviously identify as she has picture identification, and me present so she knew it was me, and Nordstrom continues to refuse to activate my card.
On XX/XX/XXXX we suffered a severe hurricane Irma. We were hit by this hurricane and had no electricity or cell phone service for quite some time. After this devastating event, I had to call my credit card companies as I was behind on the bills due to this hurricane. According to FEMA, the credit card companies were able to waive several months of payment with no interest and late fees. I have XXXX XXXX, XXXX XXXX XXXX, XXXX and CITI Bank. All these banks promised that FEMA had these benefits for card holders for a 3 month mark since XX/XX/XXXX. Thus I did not make any payments for 3 months and with all the banks I had no issues, except CITI Bank. They promised the same FEMA benefit. I did not make my payments for 3 months. The first month of XX/XX/XXXX it was waived, but then two months later, they sent a letter stating I am behind on my credit card payment and that they are wanting to collect debt. I called right away and explained about being impacted by the hurricane Irma. They said to pay my overdue amount of {$200.00} dollars or so to catch up, which I did. Then when they transferred me to another CITI department to ask about my card not working, they stated that since I did not pay, they closed my account and reported 60 days no payment to the credit bureaus! I explained this is not fault as I was impacted by the hurricane and they stated I would not have to pay for 3 months! 

I was then transferred to a supervisor whom said CITI decided to close the account, but they state the reason, the supervisor was very rude and I said it was because it shows on the system I missed payment for 2 months, when in reality they stated I would not have to pay until XX/XX/XXXX. The supervisors name was XXXX and employee ID : XXXX. Now they closed my account without my authorization and it shows on my credit report I no longer have this account and it shows delinquent negative report on my credit report. In all my years, I have never had a bank close my account especially when it is not an error on my behalf. I find this unjust and unethical by CITI Bank. I even sent a letter which I have in my records to corporate in XX/XX/XXXX and did n't even receive a reply! Any help is appreciated!
I received a letter from my HR dept. at work saying that my wages are going to be garnished for {$2800.00}, and I immediately jumped back and panic set in. I never got any communications from any of these companies, or court!! I am upset on how this justice system works in this country and the advantage these huge companies have over their customers. I called Pressler & Pressler, and they could n't help me at all, because the judgement has been made already on me. This is ridiculous to on how they make a judgement without me even knowing of it, but yet they were quick to inform my employer to garnish my wages! I need help and resolve to this, because i do n't remember that account and it was from 2008, And God knows where they were sending the mail! If I need to take legal action I will, because this is against the law, and my rights as a citizen of the United States Of America!
Receive letter on XX/XX/2018 telling me that I've been reported to the credit bureaus about a late payment on an account I can not recognize. This letter came from, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, Kentucky XXXX XXXX.
XXXX XXXX Naviant offered me the incomes based repayment plan in XXXX of 2016 of approximately {$260.00} federal/ {$43.00} personal. The income based amount was exactly the same as the amount already being paid. When XXXX was called to discuss this, as I could not afford this, they put me into deferment. Why is it not possible to obtain a monthly payment that is based on my actual income of my family of XXXX. Also after paying the payments on time for three years no traction was made toward paying off the student loan. I have since made a {$4000.00} lump sum payment from my retirement which they negatively reported on my credit. Please assist me into finding an acceptable resolution to my problem. XXXX XXXX XXXX XXXX XXXX XXXX
After having a substantial relationship with  BB & T B ank, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  XXXX  issue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I am willing to pay the balances but ca n't even find where to pay them.. Please let me do this and maintain my relationship. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
On my equifax report XXXX XXXX is reporting my account as XXXX past due which is incorrect. My account is current and my balance is incorrect as well. I tried to contact equifax to dispute online but they are having system problems as well as a data breach issue. My score has dropped XXXX point because of this incorrect, inaccurate reporting. Please help thank you!
XXXX XXXX reported to the credit bureaus that I had an unpaid balance of {$290.00}. The balance should have been covered with by my health insurance company. I ended up switching jobs during the billing cycle, but I maintained health insurance the entire time. Nonetheless, I called them and the error was corrected and they said that I did not owe any money. They said they will have it removed from my credit reports. About 2 weeks later, I get a call stating my insurance did not cover it all and that left a balance of {$57.00}, I said okay, Remove the old amount of {$290.00} and I will pay the {$57.00} once it had been removed..A week or so after I spoke with them about the {$57.00}, It reported to my credit reports. So now i have XXXX collections on my credit report and it dropped my score significantly. I am in the process of trying to buy a home and this is conflicting with my pre approval from the bank. THey told me at XXXX XXXX that it should only take about two weeks to have it removed from my credit reports, but I have yet to see that happen.
I applied for a XXXX dollar loan with XXXX XXXX to attend XXXX The XXXX University In XXXX for Fall of XX/XX/2018. XXXX took the money before I ever even got to register for classes. I attended there for less than 24 Hours and came back to US and Informed XXXX XXXX That they needed to Cancel the Loan seeing that I wasnt a student at XXXX. XXXX XXXX said they couldnt Cancel because XXXX Took the loan already but XXXX took the loan during the summer before I was Officially a student. Ive asked XXXX XXXX and Have tried to explain my situation to XXXX XXXX and explain XXXX Fraudulent Actions and they have been no help and the XXXX is putting a big toll on my family.
I have not received a mortgage statement from Ocwen Loan Servicing since XXXX XXXX, 2015. When I called to see why I have not, I was told there was a glitch in their system and they do not know when I will receive my statements. I have a loan modification and was scheduled to receive a {$31000.00} deferred principle adjustment on XXXX/XXXX/2015 and I have no record that they did that. I am current on my payments.
I have previously requested that synchrony bank only contact me vial mail and or email. I requested that they make no phone calls to my cell phone number under no circumstance. I contact synchrony bank regard our credit card balance that is one payment past due and advised them we are gathering all information and will be receiving a consolidation loan. 3-5 days later I then received a phone call to my cell phone twice in one day ( after I previously requested no calls to my cell phone at all ) which I believe falls in a UDAP/FDCPA violation.
I have been contacted numerous times by IQ Data International , Inc., a debt collection firm ( " IQ Data '' ), concerning a purported debt that I have no legal liability or responsibility for whatsoever. IQ Data is unlawfully attempting to collect a debt from me that I do not owe in violation of the Fair Debt Collection Practices Act. IQ Data has also wrongfully reported negative credit information to the credit reporting bureaus in violation of the Fair Credit Reporting Act. In an effort to remedy the negative impact to my credit report, I have explored simply paying some amount to make IQ Data remove the negative credit bureau reporting, but any payment by me would be nothing more than an extortion payment to IQ Data as I simply do not owe the purported debt upon which IQ Data is attempting to collect. 

The purported debt that IQ Data is attempting to collect arises out of a contractual landlord/tenant lease dispute where the underlying lease is governed by New York state law. I have fully satisfied my obligations under the lease and do not owe any amounts to the original creditor or to IQ Data. Under New York landlord/tenant law and the express terms of the underlying lease contract, neither the original creditor nor IQ Data is entitled to collect any amounts from me as I have fully satisfied my obligations under the lease. To the extent any portion of the purported debt exists, such debt is owed by a certain XXXX XXXX XXXX as the attached " Move Out Statement '' from the original creditor clearly indicates. 

I respectfully request that the CFPB investigate this matter, as well as IQ Data 's  business practices, as I believe my situation is not unique and that debt collection agencies are routinely attempting to unlawfully collect purported debts that are not liquidated debts, but are instead disputed amounts under residential landlord/tenant lease contracts where the landlord is wrongfully attempting to collect amounts that are not due under the terms of the lease or that violate state landlord/tenant laws.
I would like to request a security freeze be on my XXXX XXXX XXXXt. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH
XXXX XXXX needs Calls and Harassment to Stop. She also wants a Stay of Medical Bills debt collections and or Negative Credit Reporting. The Billing Company named America Capital keeps calling me and or contacting me for Medical Bill payment even after I have asked her to stop contacting me. The XXXX 's Representative name is XXXX. Their phone number is XXXX. The harassment has been on going for nearly a year. I am afraid to answer phone and or be sued without notice or relief. I received assistance with communication through XXXX XXXX with American Capital.He can be reached at XXXX. 

I also need help with getting a 6 month stay under the new federal law on medical bill and negative credit reporting or usage.
On XXXX XXXX, 2016 I discovered my secured Capital One credit card had been compromised and there were several unauthorized transactions posted to my account. I immediately contacted Capital One and was transferred to the fraud department. I explained to the customer service representative I spoke with the situation and was repeatedly reassured by her that I was 100 % covered by Capital One 's fraud protection services. The customer service person I spoke with was polite, apologetic, and extremely helpful. She noted all the unauthorized transactions, noted that I made contact with Capital One, and noted that none of the unauthorized transactions should count negatively toward the account since it was a secured card - and then read her notes back to me to be sure she had not missed any transactions. She closed out the card with the fraudulent card activity and reissued me another card. I was provided with a claim number for the fraudulent activity. 
When I received the new card in the mail, I called Capital One to activate the card. After to speaking to two customer service representatives I spoke with someone who informed me he was a 'supervisor ' and his name was " XXXX ''. He told me that my account was a secured card and it had been closed. He stated the reason was due to one of the unauthorized transactions reported just a few days earlier. I tried to explain to him that the transaction was not authorized or initiated by me, but he continued to state it was company policy for secured accounts to be closed when this type of transaction happens and began insinuating that he did not believe the transaction was fraudulent or unauthorized. He informed me that I " could not provide any documentation to prove that I did NOT complete the transaction ''. He was extremely rude and condescending. I informed him the person I spoke with when I reported the fraudulent activity had told me that none of the unauthorized transactions would be held against me, but he just repeated the above statement and kept saying it was " company policy with secured accounts ''.
I have been a customer of The Home Depot at least 5 years, in good standing. However, I received a letter in the mail dated XX/XX/2018 stating that my account was now closed ( i.e., the entire {$140000.00} credit line ). Within a week or so of receiving this letter in the mail I called The Home Depots credit department to inquire a little further, because the reasons provided in the letter for the most part did not correspond to the actual findings in my credit bureau profile with XXXX. At that point I was informed that the card was actually closed due to inactivity. However, the letter I received from Home Depot said nothing about inactivity being a factor. The letter only referred to information that they received from XXXX XXXX XXXX XXXX. I then asked The Home Depot representative if my card can be reinstated, since it was just recently closed for inactivity, as I was indeed going to use for home improvements that I had put off for a little while due to among other things a very hectic schedule in my household, one of which included my pursuing and completing my XXXX just recently. 

The representative informed me that there is NO WAY my account could be reinstated, and that I would need to reapply for credit. I was also informed that I should take the issue up with XXXX regarding the information in my credit profile, which is what they also used to base their credit decision. I informed The Home Depot representative that I was so perplexed about the reasons they listed on the letter they sent to me that I signed up with XXXX XXXX  to assist with this issue ( among other things ). The paralegal from XXXX XXXX was also perplexed about the reasons the Home Depot stated in the letter ( e.g., insufficient length of credit history, number of accounts with delinquency, and so on ) because it did not correspond with the information they reviewed on my XXXX credit profile. Additionally, the XXXX  representative also informed me that the reason the information did not match was because there was another individual with the middle name XXXX ( my maiden name ), but with the same first and last name as mine, that may be causing the discrepancy. The representative than informed me that he will notify The Home Depot to inform them that my account should not have been closed ( or something to that affect ). Then I discovered that there was another odd entry on my credit profile from The Home Depot ; So not was my account that was in good standing that was in good standing completely closed, but The Home Depot included an entry on my credit profile that stated the following : Affected by Natural or Declared a Disaster. Therefore, at this point I have decided to reach out to the Consumer Financial Protection Bureau to determine if there are any Fair Credit Reporting Act violations that I would need to have investigated with regards to this matter.
I 'm reporting on ATG Credit. This firm claims to be collecting on a medical debt. They claim it was with XXXX XXXX XXXX. I asked for verification because I never heard of them. They said that was my responsibility. I also explained if I did owe this debt I had just lost everything, First my health, XXXX. My home was lost due to my health ... They said and I quote " I do n't care about you just if your going to pay your bill ''. Then he added " I will write you refuse to pay your bill down on the comments ''. I said please do n't I do n't refuse I just want verification that I actually owe it. Then he hung up on me. I called back to try to work something out and they said " you went to this hospital and they gave you care to feel better, why wo n't you pay your bill? '' I responded that I 'm now XXXX and finding it difficult to make ends meet. He said " I pay my bills why do n't you pay yours? ". I was literally in tears now. I was never given any proof or a right to dispute notice or anything. I 'm sick, and doing the best I can despite my situation, how dare these dirt bags make such comments!