WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm filing a complaint because Equifax has not provided me with the documents that their company has on file to validate and verify accounts I requested as I do not recognize those accounts. Please resolve this issue ASAP. 

Thank you XXXX XXXX
I owe over {$200000.00} and the fees keep changing, customer service is extremely rude, and don't offer me much options to pay back for my loan. I took half-time courses during this past summer and Navient decided to continue with my continuation of loans when I took half-time courses just recently. When they were informed at first when I took half-time courses, I was told my loan repayment would be in effect till XX/XX/2019. All of a sudden, they decided to stop the grace period recently ( just last week ) when in fact I looked and researched that there is supposed to be a sixth month grace period when there was only three, which is unfair and unethical on their part. I know federal law requires that I have a six month period but what navient is doing is completely wrong and just not business professional like.
There is a very old account that is past the statute to report. I have disputed this several times and still nothing. This is against the law and violating my rights
In XXXX XXXX XXXX  started a pre-approved modification with 3 trial payments. After I made my 3rd payment they transferred servicing to Shellpoint mortgage but because Im currently in a chapter XXXX bankruptcy they will not speak to me even though my attorney had given permission to chase. I need to keep my house. I have been paying on time for over a year.
We had a Mortgage company we had never heard of FCI and told us they were foreclosing on our house of 14 years we called and found out they had bought our second from a Company we believe had closed down in the Mortgage crisis 10 years ago. They told us they would remodify with a down payment. I told them I would be able to give them XXXX dollars at that time the said they would remodify loan down 1 percent to XXXX. My father got sick and I could only come up with XXXX so they told me they wouldn't bring interest rate down. I paid the XXXX and right after made a XXXX dollar payment. They also told me that if I didn't make payments through their Automatic payment site it would cost me XXXX. I feel this is a predatory lending Co that needs to be held accountable and the government needs to know what is going on. I had to sell my home because they wouldn't help with a better remodifocation.
On XXXX XXXX I was given a loan for {$2000.00} from Mariner finance company.Because of my credit score they wanted to send a check to the company I wanted to pay.The {$2000.00} which I and the mariner manager endorsed was sent to XXXX, c/o XXXX.The check was sent out XXXX and received on XXXX/XXXX/2016 .The check was also cashed on that day .The next day I called XXXX and they informed me they had not cashed the check.What happened was that the XXXX envelope was delivered to a XXXX by mistake and they cashed the check.After many calls to Mariner finance they have still not located who cashed this check.The check in question is a XXXX XXXX XXXX check.I filled out a fraud investigation form through Mariner and XXXX XXXX XXXX on XXXX XXXX is now XXXX XXXX and they have still not found who cashed the check.My problem is that the first payment to Mariner finance is XXXX XXXX have still not received my money from Mariner.I have called almost every day and still they refuse to send me a replacement check for XXXX.XXXX to whom I wanted to pay is a high interest company that loans you cash and deducts money from my bank account every XXXX and XXXX of the month.Since this all started on XXXX I figure I have given XXXX around {$600.00} in interest.I need your help because it seems I am the one suffering dearly through this whole ordeal.Thank you, XXXX XXXX.XXXX, XXXX Florida XXXX.My cell phone XXXX XXXX and my home phone is XXXX ... XXXX
I disputed through all  XXXX  credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On   X/XX/17 , m y credit monitoring sent an alert. from equifax.   XXXX   XXXX   had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured,  Amount  in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.
I have been trying since XX/XX/2017 to lower my monthly payment on my student loan. I had it in forbearance for a year and called a few months before the forbearance to try to get the payment lowered. I am a single mom and know I cant afford to pay what they were asking but I still wanted to make some sort of payment. I was told they could only lower my payment by {$25.00}. That was not enough at this time I can not afford to pay almost {$300.00} a month to my student loan while also paying for daycare and preschool. I begged them to help me. Give me a year of lower payments just until my daughter starts kindergarten in a year and I will pay more. But they have refused to work with me. I keep telling them what I can afford and they just keep raising the payment. I know I will have to pay more interest and it will take longer to pay the loan off but right low I just need to payment lower. I still want to pay I just cant afford what they want as a payment.
XX/XX/XXXX/XX/XX/2015, I closed an account with XXXX because service was not available in the area I had recently moved to. Upon terminating the joint contract with XXXX and XXXX, I was told that my final bill was paid in full. In XX/XX/XXXX, I received a notice from Afni, a debt collection company, notifying me that an account of mine had been placed with them for collection. When I called Afni to dispute, I was informed my failure to pay had already been reported to credit bureaus. When challenged, the Afni representatives said there was nothing they could do to reverse this. I am currently in communication with XXXX to remove this information from my credit report and rectify this issue.
On XX/XX/XXXX, I ordered a XXXX 49 inch Model number XXXX from the XXXX at XXXX XXXX   XXXX, XXXX, NY XXXX for {$760.00}. I arranged for myself to pick it up on XX/XX/XXXX at the XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. On XX/XX/XXXX at XXXX XXXX, I received an e-mail from XXXX XXXX that my order was picked up. I did not pick up this item nor did I give anyone consent to pick it up for me. I called as soon as I saw the e-mail but they were already closed I went to the XXXX XXXX location at XXXX XXXX XXXX, XXXX, NY XXXX the following day to straighten this matter out. I explained to the manager XXXX that I never picked up my order or authorized anyone to pick it up for me. She stated that she was going to look at the video from the night before and that she would follow up with me the following day. She also asked for my drivers license that day and made a copy. 
The following day I never received a phone call and on Sunday XX/XX/XXXX, I returned to this location. The manager XXXX stated that she reviewed the video and that it looked like it was me that picked up the order and the person provided my id. I asked to see the video but she refused to show me. I asked to speak to a District Manager but she stated he was on vacation. I went straight to the closest police station ( XXXX precinct ) and the person at the front desk told me that it is a civil matter between myself and XXXX XXXX and unfortunately they would not be able to help me. They told me the best thing for me to do is get in contact with my credit card company which I did when I got home that day. 
It is obvious to me that this was an inside theft by XXXX XXXX   employees. No one knew that I had ordered a TV, and I have never lost a drivers license. I have never had any issue like this before. I have been a loyal Capital One customer for 12 years and expect Capital One to fight for me on my behalf. I would very much like to see the video of this transaction to prove that it was not me who picked it up. I should not be liable for something that I never received.
I received and automated call from XXXX ( Premier Portfolio Group ) notifying me that if I did not call XXXX by the end of the business day, legal action would be taken against me. I called the number and spoke with XXXX XXXX. She stated that her client wanted to give me a chance to pay on a past due payday loan from XXXX before paperwork would be filed in XXXX XXXX County and I would be charged with Intent to Fraud and Malicious Intent due to the fact that the checking account I supposedly took this loan against was closed. 
I asked for verification of the debt and she could n't provide me with anything. She then stated that if payment arrangements were not made by the time we ended our call, she would notify her " client '' that I refused to pay and legal action will begin. She informed me that the amount owed was {$620.00} and if I did n't pay, there would be another {$1000.00} in attorney 's fees that I would be responsible for. She said I needed to pay by XXXX XXXX. I informed her I could n't pay anything until XXXX XXXX. She then offered a settlement amount of {$430.00} if I paid immediately. I again told her I could n't pay anything until XXXX XXXX. She then asked if I could pay anything on XXXX XXXX. I told her I could possibly make that work. She then transferred me to what she called a " secure line '' and took my debit card information. I later received and email with the payment arrangements listed on them and began to do more research. First off, the debt was from 2011 and the statute of limitations in California to collect a debt is 4 years. Also, the date noted on the payment arrangement notice listed that the date was taken out on XXXX/XXXX/2011. At that time, I was out of work on XXXX and due to that fact, would not even qualify for a payday loan. I did not return to work until XXXX 2011.
I have been double covered with insurance during that time through XXXX and XXXX under my parents legally. I think this should be looked at and removed.
Applied and was approved for Citi AAdvantage Platinum Select World MasterCard. 
Incentive was XXXX XXXX XXXX AAdvantage Miles to be credited to existing AAdvantage account for opening account. 
Credit Card Terms & Conditions make NO reference to a requirement for {$3000.00} to be spent on the credit card within three ( 3 XXXX months. 
In fact, impossible to find any reference to this specific conditions on any documentation provided by Citibank.
Executive Office Chase Bank Mail Code XXXX XXXX XXXX XXXX XXXX 
XXXX OH XXXX Thank you for your letter dated XX/XX/XXXX in response to my complain to Consumer Financial Protection Bureau on XX/XX/XXXX. 
On XX/XX/XXXX my account balance was {$15000.00} and I was very careful not to withdraw from this account because I would have lost my bank credit of {$200.00} if I did so before 90 days. 
On XX/XX/XXXX I went to the branch in XXXX XXXX and deposited enough cash to bring my son 's account ( ending in XXXX ) balance to {$15000.00} in order that he also receives {$200.00} credit. I received statements from the teller that both of us had {$15000.00} in our accounts ( see attachment ). My account was ending in XXXX Our account balances stayed at {$15000.00} until XX/XX/XXXX but all the sudden on XX/XX/XXXX there was a {$3800.00} withdrawal from my account ( ending in XXXX ) without my authorization. 
Your explanation on your letter dated XX/XX/XXXX is so complicated that I have problems understanding it but even if there was a withdrawal of {$3800.00} from my account on XX/XX/XXXX because your computer did not deduct from my account you are responsible for the confusion because otherwise I would have deposited the right amount on XX/XX/XXXX to bring my son 's account to {$15000.00}. However I have lost {$3800.00} due to your computer error. 
On page 2 of your response you are stating that " If you did not intend for the total amount of {$7300.00} to be posted to your son 's account, you may wish to resolve this matter directly with your son. '' My response to your above statement is : this is your responsibility not mine.
Sincerely Yours XXXX XXXX
I am getting XXXX & will be on XXXX effective XXXX XXXX 2016 for XXXX days. I called the lender to verify they received the information & no one there is familiar with SCRA & how to apply the benefits to the loan. I submitted my XXXX on XXXX XXXX 2016 along with a request to provide the benefits to my loan. I had not received a response as of XXXX XXXX 2016 so my wife called to verify if they had been received. The representative informed her they received some paperwork from the XXXX but had no idea what SCRA was. He had never heard of it. He informed her a compliance manager would call her back. My loan id is XXXX. I would like to get this resolved before I leave the country.
I went to XXXX in XXXX TX, in XXXX XXXX 2015 ; and apply for credit to buy furniture there, I qualify for {$6500.00} I spend {$2100.00} for a sofa and love sit and XXXX for insurance for that furniture, I also ordered a chair that I dont received yet. In XXXX XXXX I receive the card with the statement that show that I owe XXXX in the credit card the furniture get my full credit not the amount that I spend there.
Charges are not reported in logical order. I have charges from the current day appearing immediately and then three days later a charge  from 3 days earlier show up. This results in fees that the bank charges. The fees caused by this far outweigh the original charges. It feels like I am being scammed for fees.
XX/XX/XXXX - Paypal-Prepaid, Paypal, XXXX XXXX interference. 
XX/XX/XXXX - Group public interference, psychologically stalked by them since sometime in XXXX. 
XX/XX/XXXX - Successful use of activated card and App. 
XX/XX/XXXX - Manipulation of online notification and available features ( account settings ), 2 accounts. 
Denied instant transfer ( 5th day ... XX/XX/XXXX ) XX/XX/XXXX - Denied use of Paypal Prepaid 's Paypal balance, a Mastercard insured service. Prompted to call Paypal. 
XX/XX/XXXX - Over-the-phone-misled calls. 
XX/XX/XXXX - Same pattern. 
XX/XX/XXXX - Same pattern. 
XX/XX/XXXX - Paypal App manipulation discovered. Same pattern. 

https : XXXX - Objectives were clear. It's only to these accounts ... I'm noticing they as the organized crime group simulating understandings in brainwashing techniques using website technology tools of their company to force thought. Abridgements are several. 

Ongoing ... XX/XX/XXXX-XX/XX/XXXX account they may attempt to use ... if so, dates of stalking would begin during that year. The bully may also include an employment disability Judge, a calm ally.
This is an ongoing issue that I am having with Equifax. I am the victim of identity theft and I am disputing the hard pulls on my credit report that I did not authorized. There are 4 hard credit inquires on my credit report which I did not authorized, and these are fraudulent inquires. There are two inquires for XXXX date XXXX XXXX, XXXX, and XXXX XXXX. Also there is an inquiry for XXXX XXXX date XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX. These inquiries are fraudulent, and I did not authorized these inquiries. I disputes these items with Equifax and yet Equifax failed to properly investigate these fraudulent inquiries. Just as recent as XXXX/XXXX/XXXX I disputed these inquiries that are reporting on my Equifax credit report with Equifax and I was provided a dispute number XXXX, the next day XXXX/XXXX/XXXX I received and email form Equifax stating that their investigation is complete. Now you tell me how is it that these items were investigated in less than 24 hours. Prior to that date I disputed them and its the same issue going on. Now Equifax is suppose to completely investigate these and they have not done so. I want these item properly investigated and remove from my credit report because I did not authorized these.
I have a Lowe 's credit card issued by Synchrony Bank. I paid over and above my balance so that I could make a large purchase at the store. After my payment, my card had a credit balance of {$2100.00} and a credit balance of {$3600.00}. My local Lowe 's store tried numerous times to run my card for about {$5100.00} but it kept getting declined. Even when I called the credit card company and they said everything was okay.Finally I got a supervisor they then told me I could n't charge more then {$2100.00} and I would have to charge it multiple times.The store would n't allow this. When I had a credit of {$600.00} I would pay a cash payment at the store then I was able to buy products or charges over {$600.00} without a problem.Now suddenly have a problem after they increased my limit. I called the credit department several times and was finally told that they would no longer allow me to charge over my credit limit even though I had a credit balance. I was told they would send me a refund check which I would have to cash and then take the cash back to the store. I have been trying to resolve this for over 6 days. The credit manager told me the check was sent XXXX on XXXX/XXXX/16 but did not have the tracking number. I called back on XXXX/XXXX/16 because I did not get the refund. I am now being told the refund just went out today XXXX/XXXX/16 but still no tracking number is available and it will take over 4 days which means it will be over 2 weeks to get my money back and get my purchase taken care of.
I have had a state tax line filed on my credit report in XXXX XXXX. While I was living XXXX I had no knowledge of any unpaid taxes. Upon my return to the US, in XXXX XXXX, I paid all taxes and fees. I was under the impression that according to FCRA the lien was supposed to be removed after 7 years of filing. Once the lien was paid and released, i contacted all credit bureaus - XXXX, Equifax, XXXX. The only agency that removed the record was XXXX while the other XXXX refuse to do the same. please help.
Made a bank to bank transfer due to insufficient funds so that I would not be charged with an overdraft fee. I called to let them know the transfer wont make it on time and she said to call back once the transaction is listed in the history so that they can waive the fee. I call back once the transfer appears on the history and the representative on the phone say 's theres no way for me to have the overdraft fee waived. At this point I am not upset about the fee but at the fact that the XXXX representative told me specifically to wait until it shows up on my card history of the bank transfer so that they can waive the fee. At this point, me waiting for the fee to show up, had costed me an additional overdraft fee which Is now unnecessary additional money I had to pay out of my pocket. I am upset that each individual representative that i spoke to over the phone denies any liabilities when it comes to what they say. It is a reflection of a dishonest company where each representative does not want to take responsibility for what has been said. I will soon close my account with M & T bank soon due to their lack of diligence in this matter and their obvious greed to generate revenues from overdraft fees.
I had an auto loan with Florida XXXX XXXX out of XXXX, FL. While I paid the account late a number of times it was never over 30 days late. The very last payment ... a partial payment ... was credited 33 days late. The account, on the Equifax bureau shows XXXX late payments for the entire history of the loan which was paid off in XXXX, XXXX and has a XXXX  balance. However, the loan itself still reads as an XXXX rather than an XXXX which is adversely affecting my credit by XXXX points. On a 48 month loan that only had the last partial payment over 30 days the entire account should not forever have the status of " Pays XXXX days late ''. 

I contacted the Florida XXXX XXXX and was told by an assistant branch XXXX that the problem would be resolved and they would correct the report to the bureau. They have done nothing whatsoever to correct it.
We had a cash reward credit card with Bank of America as well as Checking Account. Since XX/XX/XXXX, we start to experience issue with the credit card, we kept seeing interest charged to the account even we paid off the full balance every month. We contacted the customer service and the interest were waived, but then the following month it continues to charge with interest. Called the custom service again, this time the explanation was the interest is continues to charge every day even your balance is paid in full every month regardless if you have a balance. This is NOT disclosed in the term and condition, as off now we have had been charged closed to more then {$500.00} in interests even the account has been paid in full. Another issue with BoA is that we originally set up an automatic payment that linked our checking account to this credit card account through their online system, but the account was never set up even we got an successful completion at the end of the process then we called their customer service, the representative claimed that they were having issue with the IVR system that could be the reason that it did n't successfully set up. She went ahead and set up the linkage but as off today it was never set up correctly.
Equifax failed to keep my personal information secure and it was subsequently compromised in the security breach. I am now concerned about my private information ( including my social security number, address and drivers license number ) being in the wrong hands. Upon checking my credit report, it appears someone has already attempted to steal my identity.
I was notified in an email of a fraud alert on my credit card and was asked to provide some documents to verify my identity. I provided such documents and after 6 weeks noticed that my account was in the same status. I called to determine the nature of the problem and customer service personnel informed me that they needed further proof of my identity. No one had called me or emailed me during this time to say that additional information was needed.
Key Bank Charged my account an overdraft fee of {$37.00} on XXXX XXXX, 2017 when my balance was {$2300.00}, after all items for that day had been processed. They refuse to refund the charge, or explain why they charged an overdraft when there were sufficient funds in the account. <P/>Account name : XXXX XXXX XXXX XXXX XXXX.
On  XXXX   XXXX    XXXX   I received an updated escrow review from my company LoanCare. They increased my escrow requirement to {$670.00} from {$510.00} per month. This was caused by an incorrect calculation by their escrow department in assessing my property taxes for the year ( They computed them as {$7500.00} when they are actually approx {$5400.00}, information they have had since  XXXX    XXXX   when I sent them actual tax bills ) I called in within a few days to explain their miscalculation and was told it would be taken care of wi thin 15 bu siness days, as they would do another review. I then waited and called in for a status on  XXXX   XXXX . They stated they were unable to do a review because they did n't kno w what my taxes were. I did the leg work and contacted my county tax office and was told my taxes were the same as my last billed one. I the n resent in my tax bill and description of wha t the county tax  office had told me on  XXXX   XXXX , where I wa s again told 15 business days were necessary. I have attempted an update via phone or email with LoanCare after the 15 business days had  passed (  XXXX   XXXX  ) and have not gotten any response as to the escrow issue being fixed or even an update on progress. As such, I had to pay the extra incorrectly assessed escrow account on  XXXX   XXXX  for my monthly mortgage. Additionally, they seem to be ignoring my queries and continuing to keep my escrow at the incorrect level to force me to send them more money then is necessary, upon a mistake they made.