WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX sent me to collections with the company XXXX. I disputed this because I had already paid and settled this balance with the original company, XXXX XXXX. The first dispute of # XXXX was completed and I was told I must still pay. I filed a second dispute # XXXX. On the of filing the second dispute, I had also called collector, XXXX to find out what had happened. They stated that they had sent this to Equifax as " deleted. '' Today, I checked on the status of my second dispute online and it showed a date of completion of XXXX but with no status or no results, nor did I receive a letter from equifax saying my investigation was complete. So then I called equifax and spoke with XXXX. XXXX and I contacted XXXX and spoke with XXXX XXXX at XXXX. XXXX informed us that this was deleted from my record on XXXX but will take 5-45 days to reflect that. I 'm filing a complaint my because this is not a reasonable amount of time and adversely affects me on something I paid at least a year ago. I 'm also writing to make sure this really gets removed from my credit report. In the digital age, this should n't take so long. Something needs to improve.
CERTIFIED INCOME FOR PUBLIC STUDENT LOAN FORGIVENESS WITH XXXX   XXXX XXXX. THIS WAS APPROVED HOWEVER INSTEAD OF FOR 1 YEAR THEY CERTIFIED 1 MONTH, WHICH ISN'T THE DATES THAT I PROVIDED ON MY APPLICATION. THEY ALSO DID NOT PROVIDE ANY QUALIFYING PAYMENTS FOR THE YEAR. THEY SAID IT WOULD TAKE 6-8 WEEKS FOR A LOAN OFFICER TO REVIEW THE PAPERWORK. THEY DENIED THE ORIGINAL APPLICATION BECAUSE MY EMPLOYER THEY USED A DIGITAL SIGNATURE. THEY STATED SHE WASN'T QUALIFIED TO SIGN THE PAPERWORK. RESUBMITTED THE SAME FORM WITH A HAND SIGNATURE. THEY STATED THAT THEY SEE THE ERROR BUT CAN NOT DO ANYTHING.

ALSO ON 2 OF MY EMPLOYMENT CERTIFICATIONS THEY GAVE ME CREDIT FOR PAYMENT ONLY ON 1 LOAN. THE OTHER 3 LOANS THEY STATE THAT THE EMPLOYMENT ISN'T QUALIFIED. HOW CAN IT BE QUALIFIED FOR 1 LOAN BUT NOT ALL.

THEY REFUSE TO HELP ME WITH THIS.
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

As a recent adult and current college student with very little experience in the world of credit, this could potentially ruin my credit for the foreseeable future, and make applying for student loans, mortgages, jobs, or housing a nigh impossible task, as my credit does not actually represent my personal finance. 


Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
I do not have any responsibility for the debt they are trying to collect and I request that this unknown debt be removed from my credit files immediately. 
Furthermore, if they have good reason to believe that I am responsible for this debt, then I want them to mail me proof that make them believe that. In addition, I also request they stop all other communication with me and to my home address, and record that I dispute having any obligation for this debt to all XXXX major credit bureau 's. If they report it to a credit bureau XXXX or have already done so ), then they must report that the debt is being disputed.
unfortunately at the current time since XX/XX/2018 I haven't been able to make my payments to navient due to my insufficiency of being able to pay all my current bills. I have asked navient to defer any of my payment ability .. in which they declined ... Since XXXX 2018 I get like 1-3 calls per day fro m randing area code # 's all in which are Navient requesting contact wih me. I have rejected almost all of them ... and consistently explained my reasoing of un-payments .. Still they continue to harrass me daily.. What can I do next? 



THANK YOU, XXXX XXXX
Law Office of G. Reynolds Sims And Associates, P.C. XXXX XXXX is a Collection Agency. XXXX XXXX associates had been contacting/harassing me since XX/XX/XXXX for a debt they ca n't prove. They also contacted my brother XXXX times, XXXX of them was at his place of employment. They told my brother that they are trying to contact me to collect on a debt that I owe. 

I sent XXXX XXXX XXXX letters in XX/XX/XXXX disputing the collection. I have not received a response to my XXXX letter. I thought that everything was ok until I was contacted from XXXX this year ( XX/XX/XXXX ) indicating that I have XXXX open collections account on my credit report. 

I had received several calls from collection reps. Especially from XXXX, whom was very rude, talked over me, told me to contact someonethat can pay the debt for me or I should sell something. He then asked for mybank account number. 

I told XXXX XXXX I want proof of the debt that they are trying to collect. 
He said it is my responsibility to prove it. I asked him how can I prove it if itdid n't happen. 

I am still trying to get this dispute resolved.
On XX/XX/2017, There was a XXXX XXXX on sale from XXXX for {$1000.00}. They used XXXX payments through email for the transaction. They would ship the car because they owner said he would be XXXX back to the military. They told me to open two XXXX prepaid cards each holding {$500.00} and send screenshots to them. After a day I went to check the status and there were no such thing. I went to check on the prepaid cards website. Both transactions ( {$500.00} ea. ) statements were forwarded to an auto parts store in XXXX, Michigan. I started to realize this was a scam. I never got a reply from the XXXX people who sent me the payment options for the car. I contacted the XXXX XXXX prepaid customer service line and explained what happened. They told me that they could not do anything and are not responsible for scams. I feel this card company would have done something if I had n't said this was a scam transaction.
my vehicle was repossessed b y Wells Fargo  dealer services and I made arrangements to redeem the vehicle on  XXXX   XXXX . On  XXXX   XXXX  I talked someone  from Wells Fargo  dealer Services and paid the redemption fee they told me the vehicle had already went to   XXXX   XXXX    (  the action ) at  XXXX  that morning but I could still get the car back within  4 ho urs of paying the fees. The person I spoke to at  XXXX   XXXX  said they did not get the car until Monday  XXXX   XXXX . I believe  Wells Fargo Dealer Services lied to me to collect  on the debt, those  3 e xtra days I had to wait means my redemption fee would have been higher.  Wells Fargo Dealer Services allowed the reco very company to joy ride my car those 3 days or since the recovery because the key fob that starts the car and other electric components of the car is not working properly. The recovery company have to either hot wire the vehicle or made a very bad attempt to reprogram another key to the car to get it started
Inquiry Ref . No. :  XXXX  Establishment Name :  XXXX   XXXX   XXXX   XXXX   XXXX  Disputed Amount : {$5400.00}  01.  I specifically requested front desk to not authorize any room charges by any means.  XXXX  front desk assured it would be done.  (   XXXX  did not provide adequate service and failed to provide the request. I believe Foul-Play was involved )  02.    XXXX   did not provide me with any other details of  Hotel Policies , Room Charges or anything when I checked in.  (   XXXX  did not provide adequate service and failed to provide pertinent information. )  03. I  did not provide any authorized amount at the time of check in. But on the receipt that  XXXX  shows, it magically has an  " Amount Deposited ''   that pretty much accurate to the total amount at the end of check out. How does that happen? ( It ca n't be coincidence.  ) 04.   XXXX  claims that I 've signed documents at the end of check out. I was not physically at the property to check out nor did I sign anything at check out. I left early due to a family emergency. Also the signature that was provided has a different  stroke  and is off.  (  Fraudulence is involved ... )  05.   Any room charges, should have been double checked by  XXXX , notified the authorized personnel or customer that was staying in the room & should have had receipts other than the last check out statement, which I was not there to see or sign.      06.  I am willing to compromise and pay for the room but not the extra charges as I did not benefit or use those extra services ... My prepayment charge for the hotel stay was {$1100.00}.
SPS sent a letter dated XXXX XXXX, 2016 regarding insurance coverage on my residential property. In the letter SPS indicates it is the mortgage servicer on a certain account number. It is hereby noted that the account has no relevance to us or to our property. There is no signed contract or agreement or any relationship between us and SPS. We have written to both SPS and CFPB about SPS 's absence of authority. SPS has admitted in prior communications that it is NOT the servicer of this account or any account in connection with us or our property ; that SPS has made contractual arrangements with third parties for SPS 's own profit ; that SPS has harassed us ; that SPS has not proved and is unable to prove that we owe any debt. Without proof of specific legal relationship, SPS is an illegal, unlawful " interloper '', without any rights whatsoever. SPS has no authority to " urge '' contact with our insurance agent to advise that the policy should be billed to Select Portfolio Servicing, or to include them as " Standard Mortgagee '', or " ITS SUCCESSORS AND OR ASSIGNS ''. Therefore we ask AGAIN that SPS CEASE and DESIST communication and DELETE this account.
Following up on a previously filed complaint against Discover Card : Thank you for your complaint XXXX about DISCOVER CARD. 

The company replied formally that they would return the unauthorized debits from my bank account if XXXX Bank provided the form they requested. A couple days later the investigations department at Discover called and said they would not return any money. The statement shows " reversed '' debits, but no reversal has occurred and the company has simply added to my account balance. 

This is yet another example of the company 's dishonesty, cloak and dagger policies to avoid being a fair creditor, and it has caused financial and emotional distress. 

My identity has been compromised. Almost all of the calls to Discover 's pay by phone line in XXXX lasted a minute at most, as shown on my phone records. XXXX 's investigation team said nobody can authorize an ACH debit in a minute or less. They also noted activity from different states ( Connecticut to XXXX ) occurring within 20 minutes, which would have been impossible for me to do.
Portfolio recovery sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and Portfolio recovery is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.
I have a Coinbase account holding {$20000.00} in XXXX and XXXX of XXXX. While trying to make an additional purchase of XXXX with a bank account linked to the coinbase account I accidentally overdrew my bank account. Giving an insufficient funds notice for {$1500.00}. When I tried to use the buy sell feature on my coinbase account on XX/XX/XXXX. It said I needed to cover the {$1500.00} from my attempted purchase of bitcoin that had insufficient funds in my bank account. 

I completed payment of that {$1500.00} from my USD wallet on coinbase. It said thank you for payment and showed that I owed {$0.00} Assuming that I had now unlocked use of my account and access to my funds I was surprised to see that I got a message saying Payment required. 

When I click on that message it says that I owe {$0.00}. 

I contacted coinable customer support by phone on XX/XX/XXXX and they said my case would have to be looked at by a specialist. They gave me absolutely no timeline of how long this could take for me to have access to my funds. After speaking with phone support i was sent this email : Hi -- -, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 


I called customer support the next day and was met with basically the same answer that they have no idea how long it could take for me to have rightful access to my funds.
On XXXX XXXX, 2016, I received an email from Bank of America suggesting that I update my income information for the purpose of receiving a credit line increase. The email explicitly assured me that BofA would not request a copy of my credit report. On XXXX XXXX, 2016, I updated my income information, requesting the credit line increase, and on XXXX XXXX, 2016, BofA requested a copy of my credit report. I called BofA on XXXX XXXX, 2016, and the representative was entirely unhelpful, suggesting the email was not from BofA, even though when I logged in to my account to update the information, a pop-up opened up with the exact same information that was in the email, again assuring that my credit would not be checked. The same pop up came up when I logged out, even though I had just done as it suggested. That totals THREE PROMISES by BofA that it would NOT pull my credit report, and then it pulled it anyway.
I was given a credit card increase twice on my card from {$300.00} to {$500.00} and just recently to {$1700.00}. My account was sold from HSBC card services to Capital One credit card. They have kept the interest rate from HSBC from 19.99 % to 20.79 %. I called on Monday XXXX XXXX, 2015 to ask could they lower the interest rate. The supervisor told me that she could not lower the interest rate because of the Prime that was going on. I explained to her if I am given a credit increase this must indicate that my credit should be good enough to lower the interest rate. When I send in a payment the interest and fees on the card are more than the payment. The minimum payment does not even help to pay down the balance because the interest on the card is so high.
I just received a statement from Bank Of America where they paid my back taxes on my property. I have set payments up on my taxes and have never been up for tax sale. We have up to 2 years for taxes. I have always set up payments and never defaulted. What Bank of America did was set up an escrow a few months ago {$29.00} for taxes per month. With penalties I pay a little over {$2000.00} a year for all taxes that year. I never had problems with them before on this. I had a 20 year fix mortgage with countrywide home loans which bank of America bought out. I have a little over 5 years left on this mortgage. I have never missed a payment or been late on one. So what they did was added XXXX a month to my mortgage. My mortgage is XXXX per month. They now state that I have to pay XXXX per month. I was able to make my payments before. Now I wo n't be able to. That XXXX totals XXXX per year. I thank this is an attempt to foreclose on me with no just cause. There was absolutely no reason for this. I have to live just like anybody else including them.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1600.00} on my XXXX credit reporting agencie. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt which is in violation of FCRA and HIPPA " NO CONTRACT WITH ALLEGED DEBT ''
This is about Western Union money transfer to another country. I sent a money transfer in XXXX XXXX, 2015 to a relative who is not very mobile and is easily tired. My relative went to the Western Union agent in that country and was told that there was an error. I called up Western Union and was told to cancel the transaction and that the money will be refunded to my bank account and to make another WU transfer. I cancelled the first transaction and made another transfer. For this XXXX transaction dated XXXX XXXX, 2015, my relative was told that there was an error but the agent can not tell what the error was. I verified with the Western Union here in the USA and was told that the money was ready for pickup and there was no error. I was told that my sister can go to the agent again XXXX! ) and to call the customer service in that country if my relative is not able to get the money. The service I used was the transfer in minutes using my debit card. Knowing the condition of my relative, I thought it is best not to use Western Union anymore. So, I cancel this XXXX transaction just now and ask for a refund. I am writing so that consumers know about this experience and that Western Union improves the services of their agents in other countries. Meanwhile, my relative and I faced inconvenience, wasted our time and agitated us.
Complaint against Business Name : AES American Education Services Address : XXXX XXXX City : XXXX State : XXXX Zip : XXXX Telephone Number:XXXX I took out a parent plus school loan for my son in 2006. 
Currently the loan is held by AES. 

The original amount was XXXX at 7.750 % interest rate. 
My current loan balance on the most recent statement is XXXX Total Interest satisfied is XXXX Total Principal satisfied is XXXX. 

I had to go on forbearance for a few years during the recession, my husband lost his job and we relocated to XXXX from XXXX. 
I tried to get the interest rate down when the government reduced interest rates but they would not budge. 
I called recently regarding the XXXX, XXXX amount I satisfied on the loan yet still owe close to the original amount. 
I did not get an answer other than I went on forbearance and accrued interest. 
It does not add up.
I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all  XXXX  credit reporting agencies. The lender ( formerly  XXXX   XXXX  )  XXXX , had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multiple reporting.
We locked in a very good interest rate and the refinance of our loan was dependent on the appraisal. We 've have three prior appraisals in the last XXXX and prices where we live in XXXX XXXX have only gone up. Our realtor tells us inventory is still really low. Chase 's appraiser came back with a value that is the same as our current mortgage and XXXX % lower than our prior 3 appraisals. There were several mistakes in the appraisal and recent comps were excluded that are higher in price. One of which was only XXXX months ago. At the same time interest rates have gone up and that rate is n't available at other lenders now. Chase may have backed out of our loan because of higher rates, which is unethical.
I have a Mortgage with CitiMortgage. It is for a condo in XXXX XXXX XXXX, SC. I have had this Mortgage for 12 years. This condo requires Flood Insurance. The condo association is required to provide Flood Ins. Citibank and the insurance company communicate every year to confirm. This year they did not communicate. Citibank purchased Flood insurance for the unit in addition to the normal Flood Insurance I get through the association. They added an escrow to my account. Thats when I had to get involved. I connected with the Insurance group at Citibank. They provide an online portal to up load documents. I provided the information via the upload site. Citibank never received. Today, Citibank admitted that the site sometimes does not work. If you try to upload the same document twice, it will say it uploaded successfully, when it does not. Normally, I do not have to get involved at this level. We did not pay the escrow, and Citibank put a credit alert to my credit bureau that I had missed a payment. This was incorrect, we have paid every month on time. I am not sure if this practice is legal or ethical. Citibank is does care, and is requesting more fees and escrow payments even when they have proof of insurance.
I purchased a car through XXXX, financed through XXXX ( now " XXXX '' ) in XX/XX/2017. I began making payments through the online banking feature at my bank. XXXX/XXXX has repeatedly " lost '' my payments, sometimes finding them days or weeks later and crediting them, late, after charging extra fees and interest. Often, when I call, I am immediately told that my account is " past due '' but there is no record that I have called multiple times about the same issues. This complaint concerns two specific payments, both made on XX/XX/XXXX. These payments, like others, have been " lost. '' I have contacted XXXX on multiple occasions, even sending them proof of payment, asking that the amounts be credited to my account. Their response is to keep charging me late fees. Now they are saying they got the proof of payment, issued by my bank and sent by me, but they want a copy of the actual check. I called my bank, and what they can provide me is the proof of payment I already sent XXXX. It includes the date, check #, expected delivery date, etc. This proof of payment should be accepted by any legitimate company.