WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried calling/website/email. They said on the website that someone will call me back in 24 hours that was starting in XX/XX/XXXX. They call you answer the phone it disconnects. You call another number that they leave when you call back and you are put on hold. One time I watched 3 1 hours tv shows no one ever answered. All they do on the website is tell you someone will contact you in 24 hours. One time they told me since I was not a hurricane victim I would have to wait. I NEVER could afford this loan but they told me I could and since it was my first time I believed them. They will not help me in anyway. I want out of this home. I do have it listed just at the price I owe but no luck, they won't tell me if I can have a certain amount of time to sell it or anything. Also when I called the lending office of where I closed at they told me that since it already funded they were no longer going to help me.
On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said tha t one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court.  The attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????
Spoke with the supervisor. She spoke down to me, disrespected me, and raised her voice to me. All i had asked was to negotiate a settlement on a debt and she went off. " Why do you think we have to settle you? Do we owe YOU money? No. You must pay bills in full. " She has trained all her staff to treat people the same degrading way. It is a disgusting company. 
I will not do ANY business with company. I will not be the one putting food in that pigs mouth.
I was using my moms car because my car was not working. And forgot to transfer my XXXX tag to her car. Then I have received XXXX violation and I replied to them each time they sent it to me. Then couple of months later I received a letter from alliance one saying i owe {$700.00}. So I called XXXX  to understand why they are asking me to pay this. They told me you never replied to our violation. So I told them I did. They asked me which way. I told them by mail. Then they told me I should of called it in because we dont always receive all by mail. So now Im stuck between alliance one asking me to pay {$700.00} and XXXX. So I called alliance to find out how much the tolls were and they told me its around {$200.00} so I paid the tolls. And now they want me to pay for the fees. But I dont owe them that because Im an XXXX customer.
I received a XXXX Credit Card for 0 % interest for a year. When I got my statement I was being charged an outrageous amount of interest. I tried complaining to customer service and a supervisor to no avail. They even said they did n't have a 0 % interest rate offer. What do I do other than switch my statement over to another credit card. This sucks big time.
1st complaint : HSBC sent me a credit card that I hadn't applied for. I've spent over five hours on hold with HSBC in an attempt to report the ID Theft and ensure that the card has been coded as such and for them to remove any related reports from my credit reports. I wasn't able to get a person on the phone until today and then they refused to connect me to the department that handles fraud/Id Theft and refused to provide me with an address or fax number for me to send a police report and affidavit to report the ID Theft. The associate said that she can not assist me that I will have to be placed on a " lengthy hold '' to speak with someone who could assist me. I told them of my 5 hours of hold times and frustration to report the Id theft and they said they couldn't assist me. I asked for their manager and they refused. I advised that I am filing a formal complaint against HSBC and the associate wasn't concerned and they placed me on hold.
2nd complaint : After I formally communicated and provided proof of my victim status as a victim of ID Theft to HSBC and having received HSBC 's acknowledgement of the receipt of the unauthorized application that they've " Denied the application '', HSBC has now communicated to me that they approved the application and are reporting it to my credit reports. Since I've received this information from HSBC I contacted them and requested a fax and or address to resend the police report and FTC Affidavit for them to investigate and resolve the issue and the associate refused to assist me or transfer me to someone who could assist me. I advised them that I am filing a complaint against them and the associate placed me on hold until I discontinued the call because they failed to pick the line back up.
These people call using blocked numbers and play like they have established an agreement with their victims by having their robot talk to voicemail. 
Then when I get their address and send them the information notifying them that their " alleged client REFUSED to follow procedure and submit a request to XXXX in Colorado, they wait 30 days and then start in with their harassment.
My loan recently transferred from XXXX to Mr. Cooper. Mr Cooper neglected to pay the insurance renewal, of which resulted in it being cancelled with no option to reinstate. The ins rep acknowledged that they rec a notice of cancellation yet did not remit payment so that the cancellation could be avoided. I have been communicating with both Mr Coopers customer service department and insurance department to no avail. I have even tryed to obtain the assistance of FBs online service representative. Its as though no one cares. 

The policy canceled on XXXX/XXXX/XXXX and I am still without insurance. 

Mr. Cooper, formerly known as Nationstar Mortgage
Equifax reported Hard Inquiry from XXXX XXXX on XX/XX/XXXX. I did not authorize this inquiry or have any contact with this Company regarding an account with them. 
Upon seeing this Hard Inquiry thru XXXX XXXX which I check several times a month I disputed its authenticity with Equifax. Was not satisfied with their investigation which simply told me to contact the company ... .... Mean while I recieved via USPS a package from XXXX XXXX with an invoice showing 0 dollars? Then a statement of account later showing I owed several hundred dollars for this item. 
I believe this is an attempt to Steal My Identity. Please advise the action I need to take to stop this. 
Regards, Very Concerned
Since Green Tree sold to Ditech in XXXX XXXX, it has been a nightmare to deal with Ditech Financial LL. We have an automatic payment set up through our bank and we 've also made XXXX payments on Ditech 's website. According to their own records, we do n't have a payment due until XXXX XXXX, XXXX. 
Their debt collector has been sending us letters. We do n't want their incompetence resulting in an adverse effect on our credit scores.
someone put a fake check into my account and now i am forced to pay for the damage done to the account.
After the grace period ended in late XXXX XXXX XXXX XXXX for my loans, with the exception of XXXX loan having its grace period ending in XXXX of XXXX, I was frequently placed on forbearance or deferment due to temporary hardship XXXX loss of unemployment. ) I was made aware of the accrued interest during these periods of forbearance or deferment, acknowledging the capitalization of interest that would occur at the end. My initial borrowed amount of less than {$36000.00} disbursed throughout XXXX separate loans is now well over {$75000.00} due to this process after more than 6 years of being placed on deferment or forbearance. 

However, I was never made aware, not even once, of an income-based repayment plan, nor was I offered such a plan by XXXX XXXX XXXX now Navient ). Due to the recent lawsuits against the corporation, I realized Navient would frequently offer deferment or forbearance options to their borrowers instead of offering a low-income-based repayment plan, which would have helped me immensely, keeping my outstanding principal near the borrowed amount, and I would have avoided accruing so much interest. It is clear that this option of forbearance was the least expensive XXXX for Navient in terms of time and processing ( their representatives were incentivized to keep call times low ) but it was the most expensive for me and to many other student borrowers as well. 

Right now they are going through several lawsuits pertaining to the same issues I experienced with Navient XXXX XXXX XXXX XXXX. So since late XXXX, I have been accruing interest on all my loans, having defaulted once but making satisfactory consecutive payments during rehabilitation, and now I am on an income-based repayment plan. 

I have hundreds of emails from XXXX from XXXX XXXX and Navient where the subject reads as " Reply YES to Postpone Your Federal Student Loan Payments '' and within the bodies of the emails the first option is always forbearance or deferment, with no mention of income-based repayment plans, and only brief mentions of " possible repayment options '' if I call the XXXX number. But again, after calling and speaking with the representatives, I was never made aware of such repayment options. 

When speaking with XXXX, another student loan servicer, the very first option they gave me was an income-based repayment plan, at the recommendation of their customer service representatives. They told me this would be best option for my situation. Again, I was never given this option once with XXXX XXXX, and I was almost shocked to discover there was such a thing as a low-income repayment plan. 

This complaint outlines the deceptive practices made by XXXX XXXX XXXX Navient on millions of student borrowers. I am XXXX of those borrowers, and due to this intentional withholding of information on behalf of the servicer XXXX XXXX / Navient, I do not believe I should be responsible for {$75000.00} in loans, when I only took out {$36000.00}, and was never made fully aware of all my available options and instead pushed towards deferment or forbearance.
XXXX XXXX is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. XXXX has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting XXXX and XXXX XXXX and hours of hold times with XXXX, I have not been able to resolve this on my own. XXXX XXXX has also hung up on me twice over the years trying to resolve this.
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I notified company of errors and my request have gone ignored to date have not received any investigation request. 

1. The information is incorrect for the following account XXXX XXXX XXXX XXXX XXXX, LA XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

8. The inquiry was not authorized XXXX BANK Account Number : Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report.
I NEVER had an American Express Account ending in XXXX. I do NOT owe American Express any money. The Account Balance is XXXX. American Express has all my correspondence and can provide XXXX XXXX XXXX copies. 

This is the second DEBT Collector that American Express has sent after me. I wrote to XXXX XXXX XXXX, explained that American Express Account XXXX is FRAUDULENT. XXXX XXXX XXXX stopped contacting me but did NOT resolve the problem. 

American Express just assigned the FRAUDULENT Debt Account XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX is HARASSING ME.
Sent Certified Letter and no response from Portfolio Recovery. I have disputed this thru all three credit bureaus and they report the information is accurate. I have demanded that they send me documentation bearing my signature with a contract with Portfolio Recovery on two accounts they have.
Enhanced recovery company LLC sent me a mail regarding a debt that I owe from XXXX. I mailed a letter back ( USPS confirmation delivery : XXXX. ) Requesting information about their business, a copy of the last bill, their license, etc. They have not responded back to me. They have reported this debt to the credit bureaus. Nobody is giving me information yet they are expecting me to pay without being informed or them identifying themselves. For all that I know it can be a scam! I am still a XXXX customer and I still have the same phone number. It is astonishing that enhanced recovery company was able to reach me at the same address yet t mobile was n't even able to reach me or call me to explain the situation. XXXX effort to contact me was none at all. How am I suppose to pay a bill if I do not see the bill? 
Note : I have already phone in to make a claim. Please attach this to existing claim. case # XXXX and # XXXX. 
Note : Please see attached supporting document. It is dated!!
Equifax experienced a prolonged hack, which led to all of my personally identifiable information being released alongside hundreds of millions of other Americans '. As a young professional, this weighs heavily on the rest of my life, leading me to requiring constant vigilance as a result of being a victim of this crime, without any possible steps being taken to prevent it. 

The information in their database was not secured in any proper way, leaving me, alongside millions of other Americans including my close friends and family, at risk of financial ruin at any time. This information could destroy the credit my family and I have worked to build since our arrival in the United States ; it could lead to tax fraud and leave us without our deserved tax returns ; and it could lead to crippling debt we may never recover from. 

I, along with my fellow citizens, could not have taken any steps to prevent this from occurring ; the information compiled by Equifax was gathered without my consent ever being prompted. While this is the purpose of credit checking companies, the fact that the information they gathered is valuable enough to act as almost absolute proof of my identity is unforgivable, given their lax security.
Citibank MasterCard open a new credit card without my authorization and charge me XXXX. I did not authorize the card, activate the card, nor use the card. They refuse to refund me XXXX.
Worked with attorney and debt collector to resolve an erroneous debt collection action resulting from cancellation of a cell phone contract in XXXX pursuant to the Servicemember 's Civil Relief Act/the terms of the contract. The debt collector verified that the debt was erroneous and notified my attorney of the same. The debt disappeared from all XXXX of my credit card reports but has since reappeared. The process of disputing the erroneous information on each individual credit report ( XXXX, Equifax and, XXXX ) is unduly onerous and time consuming. I would like the CFPB 's help with cleaning up my credit report permanently. Further, I believe other XXXX may be similarly situated and the CFPB should track this company for other complaints.
They contacted my wife phone number i dont know how they got her phone number and left a voicemail stating they needed to talk to me about legal actions. They never tried recheaching me first. As i call them first thing was trying to collect a debt for an old loan and if i didnt pay they were taking legal actions to collect money. XXXX dlls are owed couldnt pay i went in a hardship since XXXX was in a car accident and im trying to figure out what to do since i losty vehicle was injured and im under a accident attorney since i lost all my money paying some expenses at the moment of the accident. They are asking for apyment arrangements to pay of XXXX every two week for 8 biweekly payments but right now im living check by check since i have a different job due when the accident happen i basically lost my old job due that a vehicle was required for the job. Now its hard for me with my paychecks to even pay all my bills and rent and keep up with my family duties.
I am still waiting for the letter of apology from Amex sent around XXXX XXXX that describes the disposition of the funds from my Amex account in XXXX XXXX. The number of that account on the credit reporting agency was XXXX XXXX XXXX XXXX. 
I have a number of responses to the cover letter sent to me last month indicating that I " insisted '' I had no card with a number ending in XXXX, but I need 2 weeks to respond to that letter. I will be XXXX on Thurs XX/XX/XXXX and will need recovery time and time with the bank to review my records dating back to XXXX to be able to provide accurate account numbers. 
In the meantime, I request that American Express stop adding late fees and interest to my account XXXX as that balance is still in question.
I called equifax to get the removal of all the credit inquiries on my credit report because they were tooken off but put back on and the representative that I spoke to said there was nothing that she could do when I know she could especially in this circumstance.
I siggned up for the XXXX XXXX XXXX credit card through XXXX XXXX on XX/XX/XXXX. I called on XX/XX/XXXX when no card arrived. I was told they would ship out another one. I called again on XX/XX/XXXXwhen no card arrived again. I called again on XX/XX/XXXX when no statement or card had arrived. I received the statement on XX/XX/XXXX. They said it was mailed on XX/XX/XXXX. IT does not take 11 days for a statement to arrive. It has a due date of XX/XX/XXXX to which I can not make a payment because there is not enough time ffor it to make it to them and I still have no card to set up online bill payment. I was told sorry we mailed it. out. I received the USPS servcie where they send pictures of your arriving mail. I can show where it was never in any of my incoming mail not that it was lost it was NEVER sent. XXXX was who I spoke to
I applied for the Citibank AAdvantage Platinum business card. I was declined even though my credit score is over 720 and I have a perfect pay record. Citibank claims I filed for bankruptcy which is untrue, have not been able to deliver any proof of this, and I now have another inquiry with no result. 

My belief is that I was penalized due to a card owned by my Mother, and I was an authorized user. My mother died with a balance and I am now being penalized by Citibank. This is inappropriate and I need it rectified as it may trickle somehow to my current credit file and do serious damage. 

I have over $ 100K in business credit card credit, but this was for an airline I use regularly. 

I spent almost two hours and transferred to multiple people, then told, sorry, you must call another department.
I deposited {$720000.00} in my wife 's account at Wells Fargo Bank. The funds cleared my account in Wells Fargo Bank. After several weeks the bank unlawfully took the funds out of my wife 's account, which was a joint account.This turned out to be our life 's savings. 
Later the bank claimed that the funds in my account were there by bank mistake, but I never received any notice of dishonor any kind on any of the deposits. It is against Federal Banking Law to remove funds without a dishonor notice.If the XXXX had been deposited in another bank we would have our money because they could not have simply removed it.
XXXX have a duplicate acct ln my report. Fifth third Bank checking acct XXXX.
Diversified Consultants, Inc. pulled my credit report for no reason. There was a fraudulent account from XXXX that was opened under my name, but they did not collect on it ( another company did ). So they had no permissible purpose to pull my credit. They have a consent order in place from the New York Department of Consumer Affairs concerning their handling of collections, credit reporting, etc.
Luck more financial is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.