WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Capital One to release an authorization hold for a cancelled transaction by XXXX from XX/XX/18. I spoke with 3 reps who verified by identify, inclusive of phone number, address, credit card, social security number and transaction. I was transferred to another rep, Senior Account Rep who insinuated that I wasn't who I said I was. She confirmed by identify once more, my phone number in which I was calling from. Then she placed me on an extended hold for about 15-20 minutes, came back and blind transferred me to the Fraud Supervisor XXXX ID # XXXX who questioned my identity and needed to provide additional verification steps after already verifying my identity by 2 previous reps. XXXX practically criminalized me for my efforts to resolve a authorization hold of {$13.00} and {$100.00}. He refused to give me the specifics on why the additional verification was needed, only said that " sometimes people aren't who they say they are '' or verify other people 's information '' I feel criminalized and discriminated against and demand a written apology on why this happened to begin with.
I filed a dispute with AMERICAN EXPRESS in regards to a charge which was on my card for {$350.00} on XXXX XXXX. I was told I would get an email updating me on the status of said dispute on XXXX XXXX and XXXX XXXX. I got neither. I was told by an agent that the status had been changed and I was going to be granted a refund on XXXX XXXX for the full amount. I called back to check later that day ( XXXX/XXXX/XXXX ) on my refund and was told they had no record of that in the notes and I requested to speak to a supervisor. I was then transferred to XXXX a supervisor present and was told she did not have the information notated in my account and there was nothing she could do. I asked would she review the recording of my conversation with said agent she said yes. I then reminded her in the state of alabama a verbal agreement is binding. She stated nothing and told me to call back on Thursday as any supervisor on the floor could review the notes that she reviewed the recording and a determination made then.
Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. Equifax and XXXX has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report.
I am holding a REDCard credit card XXXX Target ) issued by TD Bank. I had an automatically payment associated with my XXXX bank account. Since I moved XXXX on XXXX, I am gradually switching to use my XXXX bank account. I am plan everything carefully ahead of time. 

On XXXX XXXX, I added my XXXX bank account as the default account for automatic payment, but for some reason, their online system did not allow me to delete the old account. I think it should be fine, since it clearly showed that my new bank account is the default, which, should be used as the first priority of course. I am dealing with XXXX every day, I know the XXXXprogram should always use the default XXXX out of so many choices. 

However, shortly after XXXX 2015, I found out they actually still billed it to my old bank account ( XXXX bank XXXX, obviously they had been rejected since I had already stopped all payments from with that bank account and were going to close it soon. 

Apparently their computer system had some bugs and wo n't switch to the default account. But it is unfair to charge my XXXX $ return payment fee plus XXXX $ interest~! What make it even ridiculous is their inconsistent service. I called them on XXXX XXXX, XXXX a lady told me the return payment fee is cleared after she had a long talk with her supervisor and asked me to made the payment by phone. When I called the next day XXXX XXXX XXXX, 2015 ), none of the agents in TD bank said they could see the reversed fees and they are supposed to do reverse any such fees? I talked with XXXX of the supervisors, XXXX, who said they wo n't disclose their last name or their employ ID to people. She said she is going to find out who talked to me the previous day, but wo n't give me my money back although she said it is NOT my fault! 
Anyway, I ca n't believe TD bank or Target set up such a silly system to fool people. Even if their system did not work right, they still want to charge their customers. 

I want to ask my money back. Beside I want their apology for their stupid and irresponsible system and services.
I have been asking time and again way back in XXXX to XX/XX/XXXX when i was trying to work out a lower payment of the {$500.00} - {$900.00} range. 
Nothing happened. 
I then went to lawyer XXXX XXXX which after 33 pages at one time and several times Bank statements, IRS etc. 

XXXX XXXX said moved date to XX/XX/XXXX, I sent him email and voice mail on what that date is for?? Maybe it is a deadline? for foreclosure? 
I will call XXXX again and leave him a message if i can not reach him. 

I know they had mentioned back paying what i was behind in payments as XXXX XXXX told me not to pay until payment lowered, I think XXXX XXXX messed me up. I
We had a credit card open for XXXX year with Barclays Bank it was the arrival plus XXXX. They shut my account down due to undisclosed reasons and I can not redeem my reward points with I had earned I had XXXX points.
A few months ago, I attempted to obtain my annual free credit report from Equifax. They advised me that I was unable to receive it because they required evidence of my identity. I provided that information to them, by mail ( as instructed ), 1.5 years ago and 2 years prior to that. Today ( XX/XX/17 ), I completed a preapproval application with XXXX. They advised me that they could not extend any offer to me because they were " Unable to verify my Social Security Number ''. I immediately contacted them. The agent inquired if I had any other creditors. I explained that I did. She advised that I contact Equifax ( whom they used to access my credit record ) because they showed no SSN for me. I have credit monitoring accounts with XXXX and XXXX. Equifax seems to be the only agency that refuses me ( or any other creditors I seek out ) access to my records. I am extremely concerned because of the recent breach in security with this agency. Why were my records never updated when I 've provided them proper documentation twice? Maybe this is how our information was so easily accessed because many " balls seem to be dropped ''.
Around XX/XX/XXXX I filled out a deferment request to Georgia Student Finance Authority. I never heard back in over 1 month. In XX/XX/XXXX ; I received a letter stating the form I sent was not the correct form and my request was denied. Around XX/XX/XXXX my credit report was reported that my account was 30, 60, 90 days past due and my score dropped 100 points. I filled out another form exactly the same as the previous form and in XX/XX/XXXX I was granted the deferment. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I vist www.annualcreditreport.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to put it timed out with out giving it to me!!!
I have both Federal and Private student loans with Navient, and I began school at Western Governor 's University ( XXXX ) on XXXX/XXXX/2015. At the time of beginning my classes my loans should have been deferred. This has not happened and now Navient has threatened to report my loans as delinquent to the credit bureaus and have been assessing my account fees. XXXX has updated my enrollment status on the XXXX XXXX House, and provided the information to them directly via fax on XXXX/XXXX/2015, however Navient refuses to acknowledge this. I also spoke with Navient customer service on XXXX/XXXX/15 to notify them of the change in status and to expect the fax. I was assured at that time that a payment was not required and my loans would be deferred. I contacted their customer service department again today ( XXXX/XXXX/15 ) to discuss the matter and was told to upload the enrollment status information to their website. I think this is unacceptable as both myself and XXXX have previously provided the information.
All three credit bureaus still have fraudulent account information showing which results in a low 500 credit score my family has been devastated and my credit ruined. 

XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX along with countless inquiries for credit still show on my reports since the breech in 2017. Some will come off for a month or two only resurface. I have spent countless hours and am in despair at this point. My life and credit need to be restored and I need help. 

Thank you
Equifax has clearly exhibited negligent, incompetent and irresponsible actions, which results in the massive data breach incident. It has acknowledged and been aware of the incident since XX/XX/2017 but did n't do anything about it until XX/XX/2017. Also, Equifax has similar data breach incidents previously but still ignore to address the issue within its own system and website. According to cybersecurity expert, it still fails to ensure its security practice are up to the industry standard. This is clearly irresponsible and negligent on Equifax 's part and I was impacted by this incident caused by Equifax. 

Since the announcement of the massive data breach incident on XX/XX/2017, Equifax has provided a tool to check if any individual was affected. However, this tool is virtually useless. First, this tool requests ssn and last name in order to verify, but these pieces of information are the part of the massive data breach. Therefore, anyone, who possessed the leaked data, can assume other person 's identity and potentially setup Equifax credit monitoring service instead of the actual affected individual. Secondly, Equifax did n't initially do due diligent to ensure the tool to verify and identity if the individual was affected working properly. This is irresponsible and exhibits incompetency on Equifax 's part.
On  XXXX   XXXX   2017   XXXX  checked my credit without my permission. I do not have service with them and have not for the la st 5 or s o years. I received an alert from my credit monitoring service and immediately called  XXXX . The first representative said it would be removed within 2-5 days. I called back since it was n't removed and was hung up on. I called again and requested a supervisor. When he came to the line I explained the situation again. After several moments of silence he blind transferred me to equifax knowing they were closed on Saturdays
Hi, XXXX XXXX obtained a default judgment against me in the State of Texas after the statute of limitations had expired. The statute of limitations for a creditor to sue you in Texas is 4 years from the time you defaulted on the debt. I 've asked XXXX XXXX to provide me with the date and amount of the last two payments on the original Citibank account and they refuse to. I have contacted Citibank the original creditor and they refuse to provide me with this information even though I know they have it. In addition, the original amount listed on the judgment paperwork is different from the amount listed on a credit report from 2013. Please help!!
The terms of my private student loan with BECU were changed without my knowledge. When I began paying back my student loans XXXX have never missed a payment ) in XX/XX/XXXX I had up to XXXX XXXX month forbearance periods available to me. In XX/XX/XXXX I became unemployed and reached out to my lending institution letting them know that I would like to opt for the XXXX month forbearance available to me. They told me that they were no longer offering these forbearance periods and I would need to figure out how to pay. For XXXX months I barely made my payments of {$600.00} per month on unemployment checks ; until I was lucky enough to find employment again. I feel violated by those periods of forbearance being taken away from me. Those periods of time were a safety net for me as a financially independent young adult who holds {$80000.00} in private debt. Is the institution allowed to do this without notifying me? If they did notify me in a monthly payment contract opt in is that predatory?
Ocwen loan servicing will not let me make my payment. I have tried repeatedly! On Friday they would not let me pay it over the phone. They said they would call me on Monday and didnt. They called me tonight and said that if I had answered the phone yesterday I could have paid over the phone but now I need to go to the bank and get a certified payment and they would allow me to make one months payment. Im not kidding they will not let me pay my payment. And this has gone on for months. And, they said that my account rolled into foreclosure today even though I tried to reach them for the last several months. 

Tonights rep was especially arrogant and rude He claims to be XXXX XXXX, # XXXX. 
Ive also dealt with XXXX and ... XXXX?? 

I can never, ever reach the agent who was supposed to be assisting me that they assigned.
My XXXX mortgage statement had the incorrect XXXX interest an principal paid. I called Seterus on XXXX/XXXX/15 and was told they would send out a corrected statement, but they never did. I received my XXXX stmt, and the information is still incorrect. I called and spoke with someone today XXXX/XXXX/15 who was not able to give me any information and said that her supervisor was unavailable. I would like my statements to reflect the correct amounts of interest and principal paid on my mortgage to date. I have documentation of each person I spoke with and the date.
In 2013 I was using Coinbase for virtual currency transactions. One day I logged in and my entire account balance was empty. Checked the login logs that they make available and someone had logged in, in the XXXX to the account and transferred the balance. I contacted the company several times of the years trying to see what could be done. Providing logs, information and anything they asked for. Unfortunately they always said there was nothing they could do.
I contacted XXXX XXXX about my XXXX XXXX Credit Card. I had misplaced the card and requested a new one. One week later, I was notified by Experian that the XXXX XXXX XXXX Account had DELETED ENTIRELY from my credit profile, causing my FICO SCORE to DROP 25 POINTS!!! 

I immediately contacted XXXX  and they told me I should dispute it- which I did. Nothing changed. I called XXXX back, and they told me they had made the adjustments on their end. 

To date, that has not occurred. I have emailed XXXX and contacted them no less than 5 times both via telephone and in writing. And not ONE change has been made. I have an OPEN ACCOUNT with a BALANCE DUE which is NOT reporting on my credit report.. 

Certainly people have lost a credit card without having it wiped off their credit report- why is this so DIFFICULT?
This is a follow up complaint to case # XXXX. On XXXX XXXX, 2016 I received by US Mail an offer of settlement from Medical Revenue Service dated XXXX XXXX, 2016, ( See Attachment ). As previously communicated I contacted MRS on XXXX/XXXX/16 at approximately XXXX requesting a settlement. It was communicated to me that no settlement was available on this account. I can not help but ask how in a matter of 24 hours or less a settlement became available on XXXX XXXX but none was available on XXXX XXXX. That being said, I must question the integrity and validity of any communication I have with Medical Revenue Service.
Hurricane Irma in 2017 had major impact on my income and did damage to my house. I inquired about the forebearance option. The way it was presented to me was that since I could not afford the current payment they would suspend payments until the work to fix my house was completed. They gave me two options for once the work was completed ; I could either pay ( make current ) the payments that were not made during the suspension or they could remodify the loan. I specifically asked about the modification due to the fact that my income potential was drastically reduced ( due to Hurricane ). My question was to the point ... the only modification to the loan would be the  length ... if loan is suspended for say 3 months then the loan maturity date gets extended by the same. Their answer was yes. It took 9 months to get insurance company to correctly payout and get work completed, so there were no mortgage payments made for those 9 months. Once completed Loan Depot sent me a trial modification program to get the process started. I was told that the higher payments were to assist in getting the escrow balances back on track, I made all the payments ( on time ). Then came the loan modification itself, documents came along with foreclosure, short sale and deed-in-lieu documents. This scared me to death so I signed the new loan. My payments went from roughly $ XXXX/month to $ XXXX/month due to an additional {$18000.00} being added to the loan. They said it was for the unpaid months during forebearance. I called several times trying to get clarification but got the run-around each time. Not sure how it works ... loan payments were suspended ... yet they are charging me for them as if they made them for me. Again I go back to my question prior to accepting the forebearance program, trust me if I had any inclination that they would added that money to the loan I would have never done the program. They also talked on fees ( not sure for what ) and reported me to the credit bureaus as late over 120 days ... which they promised me they would not do. 

I feel as if I was scammed, the program is to assist people in times of trouble and because of it I have an even bigger problem now. If I was going to have difficulty paying {$1700.00} a month ... how can I afford {$2100.00}
This complaint is in reference to release of insurance money owed to us by Green Tree Mortgage for flood damage that was approved by our insurance company. We suffered flood damage to our home on XXXX in XXXX. We submitted all claims/ required paperwork to our insurance company XXXX XXXX XXXX and they were amazing and expedited everything we needed to do repairs. They issued a check to us on XXXX which had to be co signed by our mortgage company, Green Tree Mortgage XXXX we did not pick this mortgage company directly as they are result of XXXX selling our mortgage to them XXXX. Green Tree cashed the check on XXXX/XXXX/15. I have submitted all the required paperwork and every time I speak to them, they give me the run around and seem to conveniently misplace the paperwork that I have been sending and keep having to resubmit. Every time I inquire on where my funds are, they come up with another reason why they can not release our money to do our repairs. We complied with everything our insurance company needed including documenting and approving all contractors. Now Green Tree is saying that they can not approve our contractors? What right do they have to do this when we complied with all of the proposal requirement and contractor requirement from our insurance. Each time, with over XXXX calls place to Green Tree Claims Department, I sit for over 35 minutes just on hold with Green tree to try and get a live person and continue to get the run around and meanwhile I am living with rotten flooring and sheet rock. As of XXXX, no progress has been made. Per your site, there are having numerous complaints against Green Tree.
I have always paid my bill online every month with a bank and they always show that they receive my payment. however, 2 times this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused late pays to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
I applied for a car XXXX XXXX of XXXX, I had my father as a co-signer and we bought the car. I currently have 3 hard inquiries from doing this on my credit report. One from XXXX XXXX XXXX XXXX XXXX in XXXX, NM on XXXX XXXX, XXXX. One from Capital One Auto Finance on XXXX XXXX, XXXX, and one from XXXX XXXX in XXXX, NM on XXXX XXXX, XXXX, which is where I bought the car. 

I did not authorize either one of those credit agencies to run my credit, we were told we were going through another credit union called XXXX XXXX XXXX XXXX but my father got denied as well. Then they just ran us through all these credit unions without asking our permission, and now my already bad credit score is  worse from all the hard inquiries.
I formerly had a savings account with  Wells Fargo, that has since been closed. I just checked my credit report and saw that Wells Fargo  initiated a hard inquiry on my credit in  XXXX    XXXX   ( indicating that I applied for a line of credit from the m ). I never applied for or received a line of credit from Wells Fargo. I just contacted WF regarding this and they essentially said th ey could not give me any info and just gave me a fax # for a credit dispute.
I attempted to reach out to XXXX XXXX XXXX to settle a debt that is in collection. The debt is originally from Synchrony and was charged off by Synchrony at {$3500.00}. XXXX is attempting to collect for {$5800.00} at this time. I was not in a financial position to pay before, but, now, I am able to afford to reach some sort of settlement with them, so I reached out to XXXX. I advised them that I had {$1800.00} on hand at this time to pay off the amount if we could reach that agreement. They advised that they would not accept that amount and said the only amount for a lump sum they would agree to is {$4100.00}. I explained that due to financial circumstances I could not afford this. I inquired as to why the amount could not be lowered since several months prior I had received a letter stating that I could pay off the amount for 40 % what was owed. I was told that this offer was expired and the lump sum payment would again be {$4100.00}. I asked if I was able to get a little more money together if we could reach an agreement but they refused this. They stated that paperwork had been filed with my local district court by their attorney. I did a search of the court records and found no case or file associate with myself within the district court system. I 'm not sure if this was a move to place me under duress to pay the amount they wanted me to pay or not. I asked MCM several times to provide me copies of the legal documents they said they sent to the district court, but they refused stating that it was not in their company policy to provide such paperwork.
A collection account was added to my XXXX credit report on XXXX/XXXX/XXXX. By collection company called Avante for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a XXXX balance. Although this account has been paid. The collection agency keeps reselling the account. Causing it to reappear on my credit report. It is unlawful for a collection agency to report inaccurate information on a consumer credit report.
XXXX account # XXXX I paid XXXX for XXXX month of service when they came to do the install. I received poor service and cancelled it within that XXXX month. I had no contract for extended services and I returned their equipment in good working order. They have attempted to bill me for an additional month for which no services were provided. This needs to be removed from my report immediately.