WillisBack/dataset-financial-user-claim huggingface dataset:
Having checked the Equifax website to see if my information is at risk, I wrote to have my account frozen. I understand that, typically, this service costs up to {$10.00}, but I read tonight that they are charging {$30.00} for this service. The people who treated my confidential information carelessly are now going to charge me {$30.00} to try to protect it retroactively. NOT TO MENTION that the company waited for weeks to disclose the loss and is not forthcoming about what information was lost. OR the fact that their executives sold their stock before announcing the loss. INBELIEVABLE.
XXXX XXXX violated my right to dispute the debt, specifically related to the XXXX vs. XXXX XXXX XXXX XXXX. She told me she couldn't mark debt disputed through verbally, must have written which is false.
I have reviewed my credit information on the XXXX XXXX and noticed XXXX address is in correct. I have never lived at XXXX XXXX XXXX XXXX XXXX, AZ XXXX.
The electric company accidentally closed my account and sent the debt to a collections agency. I contacted the electric company per the collection agency to resolve the issue. The electric company confirmed they had accidentally closed my account, but I still owed that debt but I could pay it to them. I paid the amount that same day to the electric company. The collection agency has contacted me several times after I had explain I had paid the debt and I no longer owe it.
Barclays site does not allow entering the full length of all possible checking account numbers. They simply cut off the last digits and don't warn the user. 

They also let you make payments, not just once, but twice or more on an invalid account number. They will also charge you a return payment fee for each time this occurs even though the error is partially due to their faulty web site. 

They refused to refund the fees, or even reduce it to one charge even though they know the account as invalid per their letter. 

This was not a old account, this was a new account and I was simply trying to get bill pay work properly.
On XX/XX/2017 my XXXX XXXX XXXX and my Capital One 360 accounts were hacked. I went into the XXXX XXXX XXXX location in XXXX, LA to discuss the fact that I had lost approximate {$60000.00} from my Capital One 360 checking account and savings accounts. I was told that they could not help me with my Capital One 360 and the only way to contact Capital One 360 was by phone or over the internet. Since my account was hacked I could not get into my XXXX XXXX XXXX/Capital One 360 accounts on line. I called many times and was left on hold for 15/30 minutes. I've talked to three people from Capital One 360. One person said my funds would be returned to my account within 2/3 days. Another person said I had cashed out the account. Another person said I had transferred this money into another account. I've been dealing with this since XXXX, 2017 and I need help in getting my money back to me.
Citi sent me notification that my account was closed due to returned payments. The payments in question were from an auto pay that was cancelled. I made a {$900.00} and {$500.00} payment and my account was current. I received no notification that payments were " returned ''.
My client needed to request a loan modification after the death of her husband. We called the servicer together to get the appropriate package and submission instructions. 
XX/XX/<YYYY>Package was submitted via emailXX/XX/2015, a follow up email sent with copy of package attachedXX/XX/2015-Phoned servicer-Rep stated they had no TPA-NOTE TPA is Page XXXX of PackageXX/XX/2015-Emailed package a XXXX timeXX/XX/2015-Servicer still states no TPA-Pulled TPA, scanned individually and emailedTo date, no acknowledgement of TPA from servicer. They do however keep sending my client information telling her to contact a HUD approved counseling agency ... ( Which I work for!! ) Client states that she is not able to speak with a rep at servicer either.
Received a letter Back in XXXX. I responded and Asked for proof of debit Via fax ( i have proof of fax enclosed ). I also mailed out a copy that I faxed to them for proof of debit ( I have provided the printed tracking numbers as proof as well ) I got a letter today stating they are going to Sue us if we do not pay. This is the only response we have received and still have not been provided with any signatures and proof we owe this debt, or anything we have asked for in the letters we have sent.
Pnc bank. I have a XXXX and have been 30 days late on my car payment. This company starts calling me at XXXX. On XXXX they called twice. The payment was made at a PNC branch on XXXX/XXXX/2016! The payment is now caught up. I asked that they stop callin and they refused!
I noticed two hard copy pulled on my credit report without my consent one from XXXX XXXX, and another from a XXXX XXXX XXXX, on XX/XX/2018, that I did not give permission or consent to do. This dropped my score to XXXX, and I want this corrected, so my scores will be raised back to where it was or higher.
I wasnt approved for a SECURED Bank of America credit card, eventhough I have been approved in the past.
On my Equifax credit report, there are XXXX hard credit inquiries that are fraudulent. The inquiries are from XXXX Personal Loans but I have never applied for a loan with XXXX. I have written to Equifax and to XXXX requesting removal of these inquiries on XX/XX/XXXX and again on XX/XX/XXXX, but have received no response. I 'm attaching letters I have sent and a screengrab of my Equifax credit report inquiries as of today, XX/XX/2016. Thank you for your time.
In XX/XX/XXXX, after 36 months of payments, I returned my car at the end of its lease to XXXX XXXX in XXXX, Nevada, and exchanged it for a new one. The dealership asked for both keys for the car I was returning. I said I only have one because the other one was stolen. The dealership asked whether I could produce a police report. I said yes and sent them a police report clearly showing the XXXX key among the items stolen. The police report is attached. They asked if I was reimbursed for this and I said no because my deductible was too high. The dealership ( XXXX and/or XXXX ) said that would be fine not to turn in the second key as I had a police report, and that all was taken care of. The car was returned in pristine condition and no other fees were charged to return the car. 

Several weeks later, in XX/XX/XXXX, I got a bill from Toyota Financial for {$400.00}. I called Toyota to ask what this is for, and was told it was for a missing key. I explained the above situation to them, and they said fine, thank you. I returned the invoice to them with a note repeating the above as well and thus do not have the original invoice to give you. For the second time, I thought the matter was done. 

But no. I subsequently got a call from the dealership in perhaps XX/XX/XXXX saying that Toyota did not waive the fee after all, and they felt bad about that, and would I like to split the cost with them? I told them no, that the cost of a key to XXXX was nowhere near {$400.00}, that the new owner already had their new key, and they needed to honor their deal as part of my taking on a new car lease. 

In addition, {$400.00} is also grossly inflated. The value of the key at the time it was stolen ( XX/XX/XXXX ) was reportedly {$220.00} according to the XXXX dealer ( invoice attached ) plus {$65.00} to rekey. 

I am now getting threats of collection from Toyota ( letter attached ). I have emailed Toyota through my account on their website and told them if they do not honor their agreement to waive the fee for the missing key, which clearly does not cost them anywhere close to that, that this would be the last car any of our family buys or leases from Toyota or XXXX. I told them hassling me over a missing key is not a way to take care of customers who have made thousands of dollars of lease payments on time for nearly four years now. I have not received a response. I can't believe I am wasting your time and mine over a key after now four years of on-time lease payments, but here we are. 

I would appreciate your intervention in getting Toyota to honor the dealership 's agreement to waive the fee for the missing key and stop hassling me with threats of collection activity. Thank you for your help.
I am a consumer with BofA ( Bank of America ) and I was trying to get a refund on my account for {$35.00} and they refuse me to dispute it.
On XX/XX/XXXX, opened checking account that was to include checks and debit card. I have twice called the customer service to inform that I have not revived the debit card and even visited a local branch to advise of same. I am unable to set up and access my online banking without the debit card as this is one of the requirements that needs to be entered when setting up the online banking. The local branch claims that since the account was opened online, that they are unable to provide me with a debit card and/or PIN.
On XXXX XXXX, 2018 at XXXX XXXX. a female representative from " IC System '' asked me to verify my address to discuss private information. I could not and did not verify my address, and the disgruntled representative rudely said she would be " sending a letter anyway '' to an address not specified. I have no idea where this letter was sent, or what information was on it, or if it even belonged to me. 

If my private information is out there, I have a right to know where it was sent. However, I was told a letter would be sent to an unknown address, that I did not verify.
I left bank of America because I was being charged overdraft fees that were a direct result of them not crediting my deposits for up to a week. I left them and now I understand that they posted an outstanding debt to my credit report and show that I opened an account in XX/XX/XXXX when I stopped doing any business with them in XX/XX/XXXX. I called spoke to their representative and they said they would fax a letter showing that the debt was taken care of, then later in the day when the fax did n't come through they changed the story and said they would not be sending anything and that they sold the account to someone else and ca n't do anything with it.
I recently disputed XXXX XXXX account # XXXX XXXX XXXX 2016. On XXXX XXXX Transunion stated they were able to verify the information reported on this account. This account information is not accurate and I have provided a copy of a XXXX statement proving they did not verify this account according to the FAIR CREDIT REPORTING ACCT would like Tranunion to show me what they verified and what proof they have.
On my XXXX credit report, There are XXXX collections that were just added to my file that do not belong to me. I have never been contacted by these people. The account owner does not even have the same name as me.
The company keeps calling my workplace even though XXXX have demanded that they stop. It has caused me much embarrassment from my staff members as well as comments about me by them. I am uncertain if my references have been getting the same calls or not.
Started with buying a car ... turned my lease into a dealership. we called GM financial to get pay off you that information to the dealership! the dealer paid in full {$30000.00} except for {$400.00}???? GM contacted me and I explained the situation that I did not own the car anymore and that the dealership took possession of it MONTHS AGO .... THEN we had a 3 way phone call with the dealership and after arguing a few times they sent in the balance of {$400.00} .... but it took a few months and during this time I was totally in compliance and talking to GM with the situation! GM KNEW. I AND GM HAS DOCUMATION that is was out of my control and they ( GM ) still disregarded and reported my credit bad!!! now GM financial wants me to get a letter from dealership saying that they ( DEALERSHIP ) was at fault and GM will TRY take care of it.. I told GM they knew the whole situation why did they report my credit BAD?????????? they stated it was still always on me. and STILL TRYING TO GET ME TO TALK TO THE DEALER????? What are they ( DEALERSHIP ) going to do with the CREDIT REPAIR????
Ad Astra is still on my credit reports. I have filed complaint after complaint with them, and i have submitted proof that this was paid in full, while one credit reporting removed it not the others.
I saw an inquiry on my credit report from Equifax consumer affairs that was done without my consent. when you contact them they give you the run around.
Payment electronically sent from my checking account to credit card account on XX/XX/2018 ( due date XX/XX/2018 ) but was not received by credit card company until XX/XX/2018. I incurred a late fee and interest charges as a result of the late payment. My bank would not accept any responsibility for the payment taking 8 days. Credit card company would only reduce late fees and interest charges by 42 %. I asked my bank to cover the remaining charges and they refused.
Allied Trustee Services filed a wage garnishment claim against me for 3 months of XXXX dues owed from 2011. I received no notice of this action nor had an opportunity to resolve prior to my wages being garnished. They garnished a total of {$6200.00} claiming interest and fees. I never received an itemized statement of charges from Allied Trustee Services. This property was foreclosed and I was no longer living on the property but the XXXX continued to bill me.
Please see attached for entire narrative. 
I wrote a letter to the COO of the Bank but have learned that he is also acting CFO. I do n't think that I will receive a satisfactory response in a timely manner. My complaint can be published - I can rewrite this portion if requested.
First Started with XXXX and into about mid term realized that XXXX was charging {$600.00} /credit hr when supposed to charge {$360.00} /credit hr out of state tuition. When I challenged them on this and threaten contact XXXX and stop [ the loan they told me I could not do that. The Department of education abolish my loan and would not be able to borrow any money for other collages. I have to continue with XXXX. Well XXXX Said they would correct the tuition charges. They never did. They kept charging me what ever they wanted. I was earning XXXX degree in XXXX. Then when XXXX got into trouble my loan was transfered over to Navient. I contacted them about the over charge that XXXX was doing. They told me that it was nothing they could do take it up with XXXX. Ok here is something else. When I took on this loan Subidized and un-subsidized loan interest rates where 2.8 % and 3.8 %. XXXX overchaged me {$58000.00} for a XXXX degree and Navient would not help me fix this and also the interest rates are now jacked up to 6.8 % and my loan is running away because each year Navient jerks me around on the IDR processs and put me in forbearance and told me I could not pay anything while the interest piles up. 3 year ago my loan was just over {$57000.00}. 3 tears later is now {$65000.00} that is {$8000.00} every 3 years interest? Something is not right with XXXX, XXXX or Navient. PLease contact me for more info
Equifax is the only credit reporting agency of the "  XXXX   XXXX  '' that simply refuses to provide my credit information ; and my wife 's credit information ; online. Each time we get our credit reports, the other  XXXX  credit reporting agencies quickly and easily provide our information online while Equifax requires us to scan documents, fill out forms, mail envelopes and wait for the mail. This has been happening for many, many years and I think it 's about time someone complained about Equifax 's non-compliance with the SPIRIT of the law.
On XX/XX/XXXX I received an electronic notice from Experian stating that I had a delinquent credit account with XXXX XXXX. I have a car lease with XXXX XXXX that had its last scheduled payment due XX/XX/XXXX. But I did not understand what that delinquent credit could be referring to as I have always paid my lease payment of {$810.00} on time through an autopay account. 

That evening I checked my mail and discovered I had a letter dated XX/XX/XXXX from XXXX XXXX   stating that I owed {$1300.00}. Given that I still had one more payment left I called XXXX XXXX to understand what the owed amount was related to. According to XXXX XXXX, when I registered my car in Massachusetts in XX/XX/XXXX ( I had initially leased and registered the car from a dealer in New York in XX/XX/XXXX ) my lease payment had gone up by {$50.00} a month due to increased taxes in Massachusetts. The roughly 20 months of incremental $ XXXX monthly payments I had missed plus penalties and interest were worth {$1300.00}. 

I explained to XXXX XXXX that I was never once told of of the increased payments. XXXX XXXX  has my address, my phone number and my email address - I never received one notification as to the increase in payments, nor a notice of a late payment. To have received my first notice that anything was amiss 20 months (! ) after the increase in payments began strikes me as ridiculous. While I am upset about the increased payments which I did not know about ( made worse by the fact that I spoke to XXXX XXXX   numerous times before I had to register my car in Massachusetts in XX/XX/XXXX as I needed several documents from them to register the car and they never mentioned anything about the increase in payments ) I am much more angry about that fact that by sending a delinquency notice XXXX XXXX  has negatively and quite unfairly impacted my credit score. It is clear from the fact I sent every one of my XXXX lease checks to date on time that the only reason I did not pay the incremental {$50.00} amount is because I was not aware of the increase in the first place. 

XXXX XXXX 's actions appear to be a sorry attempt to extract late fees and interest from me at the last minute before my lease expires. Worse, they have no compunction about hurting my credit score on  the way to doing so. I am writing the Consumer Finance Protection Bureau to assist me in getting this demerit off of my credit report. My account number with XXXX XXXX is XXXX. Thank you, XXXX XXXX
Ive never lived at the address XXXX XXXX, XXXX, PA XXXX address id # XXXX
My husband XXXX XXXX a little over a year ago. He was listed as the borrower on a 2nd mortgage with Bank of America. I was never listed on any loan documents but he did add my name to the deed years later. The house is currently underwater and my real estate agent is trying to help me resolve the issues and short sale the property. Because I was added to the deed, I understand that I might have tax liability for the property if it is foreclosed, so I chose to sale instead. Bank of America is requiring me to send them financial information so they can do a loan modification and make me responsible for a loan that I cant afford. Even if they modified the 2nd loan, I cant afford the 1st. I moved out of the property because I could no longer afford to live there. They are claming that new CFPB regulations require this process but I do n't think I should have to send a debtor ( that I dont have a debt with ) my financial information for them to review and then potentially report negative information on me for not being able to afford it. My husband made a lot more than I did and now that hes XXXX I had to leave my home. Bank of America is taking advantage of my misfortune. FYI- the first loan has agreed to the short sale after completing a streamline process that did not require me to send any of my personal financial information.
This account was including in a chapter XXXX bankruptcy in XX/XX/XXXX and was discharge in XX/XX/XXXX. They repossession the car and sold it.
I sent multiple letters to Experian in regards to updating my information. In the letters I have sent to Experian, I provided them with the required documentation to change the incorrect information, which was a copy of my drivers license. Still to date, they have not responded or updated the incorrect information on my credit report.
I received a letter from you about me enrolling in the credit protector and you charged me a monthly fee, I never enrolled in this program so I am following instructions on the letter and filing a complaint to get this money refunded to me. my ref # is  XXXX  NAME,  XXXX   XXXX
My loan was transferred to SLS from XXXX several months ago. I was a couple of payments behind when I sent in a payment to the XXXX location. The check was never cashed and I never received the check back. I spoke with XXXX ( ID # XXXX ) a customer service rep on XX/XX/18 about the payment that was made and why havent I received any phone calls from them since my loan was transferred to SLS from XXXX. About the payment she said that the payment address had been changed to a California address and I told her that I was not aware of that since my payments where usually made online. The payment fee over the phone was so high that I sent in a check for my payments. XXXX didnt charge me for making payments over the phone or online. She said the contact numbers they had for me was not good contact numbers. I let her know that between them and XXXX someone dropped the ball on transferring them my correct contact phone number, because every time there was contact it was me contacting them to make my payments over the phone. The phone payments were free initially when the loan was first transferred and then they started charging outrageous fees to make payment over the phone so I decided to send my payment through mail. And they say the never received it because my payment was sent to XXXX and SLS said that the payment address was changed to California. SLS never contacted me about anything. They never mailed me info about struggling borrowers. They never sent info about a loan modification, repayment plan or anything. They just sent my file directly to their foreclosure attorney and has now attached all type of unnecessary fees to my account that will make it hard for me to reinstate my loan. SLS has been double charging me for inspection fees and late fees since my loan was transferred to them. Notice the three different bills thats attached with the same charges on all three bills. Im asking that they review my account immediately and remove charges from my account as well. Im still waiting for a call back from a supervisor to discuss this situation thats not fair and that should have never happened.
This complaint is regarding OCWEN not providing consumer financial relief to borrowers harmed during the foreclosure process. 
This included my foreclosed GMAC mortgage loan ( under XXXX and then XXXX was purchased by OCWEN ) and payments to borrowers as a result of the National Mortgage Settlement Act about foreclosure abuses and borrowers who lost their home to foreclosure. I lost my home to foreclosure in XX/XX/XXXX. 
After the results of the National Mortgage Settlement Act, I submitted the initial notification document with the Virginia Attorney General office prior to the established deadline while residing in XXXX. I relocated back to XXXX in XX/XX/XXXX to XXXX. 
Under the National Mortgage Settlement Act ( NMSA ), my mortgage loan qualifies for the following reasons:1. Unexpected home repairs2. I was deceived regarding the ability to make the mortgage payment3. I completed a trial loan modification plan4. I was not offered any ways to avoid foreclosure5. I did not receive proper notification of the foreclosure6. robosigning documents without my authorityThe foreclosed address is XXXX. I did not receive any documentation or a settlement check as advertised on the NMSA site. I called the Ocwen office and was informed by XXXX XXXX XXXX ( XXXXXXXXXXXX ), an Ocwen representative that documents were mailed to the XXXX address but I still have not received anything as of right now. I was advised to submit a letter. My first letter was in XXXX then another in XXXX. No response from Ocwen. 
Ally did not return my calls or provide assistance and I feel that the same thing will occur with Ocwen. 
I am an XXXX Veteran but did not use my VA loan. I respectfully request assistance in this matter regarding financial relief from Ocwen for mortgage settlement. Thank you.