WillisBack/dataset-financial-user-claim huggingface dataset:
My social security number was compromised in the recent XXXX security breach. I 've attempted to contact all three credit agencies to place a credit freeze on my accounts. Transunion was able to process my request over the phone. XXXX ( the company that allowed my information to be compromised ) was not able to complete a credit freeze via phone ; I called and the line went to a busy signal and disconnected 7 times before I gave up calling. XXXX was unable to process my request and said that I need to call back between XXXX and XXXX eastern time - this is very difficult for me, timing wise, and I 'm confused why I ca n't submit a credit freeze via an automated system. I do not choose to do business with any of these three agencies. My relationship with them is coerced and forced. Yet I can not even get them to place a freeze on my credit? When I have been made aware that my credit information has been compromised? How is this not criminal? It 's a XXXX joke and it needs to be fixed. If my information has been compromised XXXX along with another 139,999,999 people ), I need to be able to safely put a hold on all of my credit so that nobody who has criminally obtained my information can open any new credit and if 2 of the 3 agencies responsible for this are unable to complete my request via phone during normal business hours in my home state of Arizona then something needs to change. I also attempted to request my credit report online for all three of the agencies and NOT A SINGLE ONE was able to complete the request online. Are you XXXX kidding me? Not one of 3 agencies could provide me with the FEDERALLY MANDATED credit report I requested and only one of the 3 was able to put a credit freeze on my accounts, as a result of this verifiable security breach of XXXX. This is seriously embarrassing and needs to be resolved.
I cancelled my credit card with XXXX XXXX XXXX card by Citi in 2nd week of XX/XX/XXXX as I got a very suspicous call from Citibank that I think is very intrusive. They are asking how I made my payments and where the payments are from. 
. Because of the cancellation, they are forfeiting my 2017 money rewards of {$420.00} which I earned already before the cancellation. There was a misunderstanding and they are insisting that I agreed to forfeit the {$420.00}. 

When I requested reinstatement, they insist i have to do application like a brand new applicant and I would forfeit my {$420.00} rewards anyway.
On XX/XX/2018 I called XXXX and Experion. I spoke with rude customer service agents after I was on hold for hours. The customer service agents denied me the right to dispute items on my credit report even though the items are incorrect. XXXX and Experion refused to let me dispute false information on my credit report. They act like they are working with the companies against my best interests. XXXX/Experion 's debt verification process is flawed and outdated.
My payment was due on XXXX and I attempted to login just a few days late to make a payment. But I was restricted from accessing the online portal. I was only 8 days past my due date. The only option was to make a payment by phone with a {$7.00} pay by phone fee. I refused to pay the fee when I was only 8 days past the due date. Today I received an email from GM Financial that said that my account is 25 days past due and to login to My Account to make a payment or for payment options. I clicked on the link in the email that they sent to me today and attempted to login. I received the same message at login that my account has been restrict from online access and to call. Again they want to charge me a phone fee to make my payment. If they would not have restricted my online profile or not charged a phone fee I would have already made this payment weeks ago. I feel that GM Financial is intentionally making hard on it customers that want to make payments on accounts that were less than 30 days past due. i have never been in a situation where a bank or lender intentionally makes it impossible to convientently makes payments on my accounts. 

Thank you for investigating this complaint with GM Financial.
Our condo ( purchased in XX/XX/XXXX ) has had two tax bills due since the loan origination date. We have paid both tax bills ourselves since no tax payment was issued by Suntrust in XXXX to the District of Columbia tax authority. 

We made the first property tax payment ourselves in XX/XX/XXXX, after realizing Suntrust had failed to make that payment. Due to the payment being made late, we paid a penalty. However, a payment of {$2600.00} is indicated as being paid in our escrow statement in XX/XX/XXXX, and that amount was deducted from our escrow balance. A review of our condo 's real property tax payments in the DC tax database confirms that no payment of {$2600.00} was paid by Suntrust, nor was a tax amount that high due to the city. It appears that Suntrust made payment on the incorrect parcel. If you search our address, except use the " XXXX '' block modifier, you can see a payment of {$2600.00} applied on the date in question. We notified Suntrust of our complaint on XX/XX/XXXX. We were promised a resolution in ten calendar days. After that time, no follow up occurred. I made multiple phone calls seeking resolution and have consistently been told someone will call me tomorrow or the next day. No calls have been received to date, except the initial confirmation call on XX/XX/XXXX. WE submitted a Qualified Request on XX/XX/XXXX and have not received a response or confirmation of receipt. 

We are currently owed {$3600.00} by Suntrust This total is comprised of the false {$2600.00} charge allegedly submitted to the DC property tax authority in XX/XX/XXXX, which was clearly never paid pursuant to publicly available records, the {$130.00} in interest and penalty that we paid due to Suntrust 's failure to pay our second half XXXX tax bill, and the duplicate {$850.00} payment made in XX/XX/XXXX. 

This is just one of a long line of problems we have had throughout the lending process.
U.S. Bank holds the mortgage to my mobile home that I purchased in XX/XX/XXXX. I pay my insurance and taxes in escrow monthly, and for the past 3 years U.S. Bank has paid my insurance and taxes using my funds in escrow. I received a letter today from Mississippi XXXX XXXX XXXX that my insurance has been canceled because the premium was not paid to them by the due date of XXXX/XXXX/XXXX. I called U.S. Bank and they refused to pay the premium because the representatives and a manager at the bank stated that they would not pay the premium until they receive an update copy of the policy. I called Mississippi XXXX XXXX and they stated they do not send out the new policy until the premium has been paid to them. XXXX XXXX, XXXX, called U.S. Bank to resolve the issue and they also told him that they would not pay the premium until they received an updated copy of the policy. XXXX XXXX told me that they have never sent a policy until they premium has been paid to them. I called the Mississippi Insurance Commissioner 's office and spoke with a representative who told me to call the Consumer Banking Complaint department in Mississippi, and they directed me to your company. I live in XXXX, XXXX which is right in the XXXX hurricane zone path and now I do not have insurance for my mobile home. I can not get U.S. Bank to send the premium and they will not send my money to me. They told me that I could complete a form to cancel my escrow, mail it to them, they would review it, and decide if they would cancel my escrow. I have never made a late payment and have excellent credit. I have always paid before or on time for my mortgage note. I am a single mom with a daughter in college and do not have the money to pay the premium. If a hurricane hits my area, then I do not have insurance to cover the home either. XXXX XXXX, XXXX, told me that now I have to reapply for insurance and be approved before they can accept payment, if it is not received ASAP. I need U.S. Bank to immediately release my escrow money to me, and cancel my escrow ASAP. I was unable to go to my second job today because I have been on the phone trying to resolve this issue all day, and may not have the job now. I am very distraught about this issue. I can not believe that a bank would hold a customer 's money hostage, and not pay the bills as they promise to do so with escrow money. They have paid my homeowners and windstorm insurance for 4 years, and my taxes, and now they are refusing to pay without justifiable grounds to hold my money.
Had a HELOC that was maturing with PNC Bank. I worked with PNC Bank to renew the HELOC ( place it on an amortized payout ). The process took longer than expected ... the approval was never an issue. Per their instruction I continued to make monthly payments on time. They have a XXXX4 month trial waiting period before the renewal is loaded into their system. Since the HELOC is showing matured in their system ... .they are reporting me ( as of XXXX ) 90 days past due ... even though I continue to make payments per the agreement on time ... I have never been over 30 days late on any debt in the last 20 years. I am a mortgage professional and good credit standing is vital to my license status. This has impeded my ability to borrow money at top tier rates. At last check my score had dropped XXXX points. I tried resolving directly with PNC Bank and with a formal dispute via the XXXX credit reporting agencies. If this formal complaint does not rectify the situation my next option will be to consult legal counsel.
A person by the name of XXXX XXXX, employed as a " XXXX XXXX '' for " XXXX XXXX XXXX '' formerly " Prospect Mortgage '', did on XXXX/XXXX/XXXX at XXXX, utilize my name and social security number to order a verification service from XXXX . The above person used that information to obtain copies of my personal tax returns under the guise of researching an application for a mortgage. I did not authorize the use of my social security number nor have I ordered any such verification for a mortgage, loan or any other transaction with Prospect Mortgage nor XXXX XXXX XXXX. 

I have requested in writing from the above person and company, for a copy of the application and authorization form that I would have had to have signed in order to authorize them to conduct that transaction.
A collection agency is charging me over {$400.00} for a medical bill. The amount is wrong, and the notes according to the person I spoke with said they contacted my insurance company on two occasions to collect their portion of the payment but insurance company did not reply. Im sorry but just because the insurance company did not pay their part does not mean I am responsible for their part.
I tried to contact Discover Bank directly but the number is " non-working ''. I am in the process of applying for a  Home Equity loa n. When I received the property report on  XXXX   XXXX ,  XXXX , I discovered a judgement listed against me. The information on that judgement is as follows : Number -  XXXX  Plaintiff - Discover Bank  Address  -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , OH  XXXX  Date Recorded -  XXXX / XXXX / XXXX  Amount - {$17000.00} This judgement is against my son, who has the same name. When I went to the courthouse to resolve this issue, they instructed me that I need to contact the Attorney 's office representing the collection agency. I contact Attorney  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX ,  XXXX . on  XXXX   XXXX ,  XXXX . The attorney asked me to confirm the last  XXXX  digits of my social security number. He advised me that the social security number he had on file had different last  XXXX  digits. He confirmed that the collection was not with me. Because of this collection, I am unable to proceed with an y Home Equity loan s.
I have tried disputing through the CRA 's that this is not my account. They CRA 's come back saying that this has been verified and remains on my credit file. I have never received any correspondence with this company as owing a debt nor have I been given the right to dispute this information. I was able to make contact with them but they have failed repeatedly to provide supporting documents.
In XX/XX/XXXX my identification was compromised in a breach by a professional service provider business and I believe that my identification was used to obtain services in the years that have followed. After accessing my credit report on XX/XX/XXXX I found an entry reporting as an open account that was unknown to me in the amount of {$1400.00}. I disputed this with the bureaus and as a violation of the FCRA and FDCPA and I requested in writing full validation under the Violation of the Fair Reporting Act from XXXX XXXX XXXX  with the account number XXXX who were reporting for their client XXXX XXXX XXXX. See attached XXXX XXXX report number : XXXX dated XX/XX/XXXX. On XX/XX/XXXX I had a telephone conversation with an agent of the collection agent who is reporting the account # XXXX to XXXX XXXX. I was advised that the unknown account was validated and I request to know who validated this account as mine. I was also advised by the agent that the total reported as past due on this account was {$1400.00} and opened XX/XX/XXXX. I am appalled that my statements and requests have fell upon dead ears therefore, I challenge the accuracy, compliance and reputability of this listing. I require that XXXX XXXX XXXX validate this information they are reporting against me and provide me with copies of documentation associated with this account, bearing my signature and my image. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Paypal limited my account and withheld my funds with no explanation. I have called them and written to them. In the phone call, they did not provide any solution. They replied to the first email stating that it 's for " security reasons '' without informing me what kind of " security reasons '' those were. Second email went unanswered. 
I previously received two emails 1 month and 2 months ago respectively informing me the uses / limits of their paypal MyCash product, which I promptly complied.
XXXX XXXX XXXX ACCOUNT NUMBER XXXX is wrongfully appearing on my transunion credit file.The collector is attempting to collect a debt for XXXX , XXXX, THE ORIGINAL CREDITOR. 
HOWEVER 1-I NEVER ORDERED A XXXX CARD 2-I NEVER ORDERED ANY XXXX MERCHANDISE 3-ALL OF THE MONEY XXXX XXXX WANTS is for return, restocking fees, the interest associated with that and any fees the collector added. 
4-SO THE ORIGINAL CREDITOR AND THEIR COLLECTOR ARE SCAMMING AND EXTORTING USING CREDIT REPORTING TO DO THAT.
Capital One Auto Finance calls me multiple times a day even though I pay my bill on the same date every month which is the XXXX of every month. They call me from different phone numbers stating that my bill is due and/or late which is inaccurate because I have auto-pay set up with my bank and it comes out of my check automatically the XXXX of every month.
Mortgage company advanced delinquent taxes and raised my fixed rate mortgage without properly notifying me. I have not lived in the property for 5 years and did not receive correspondence to my current address nor was certified mail sent nor a simple phone call. They accepted and cashed my regular monthly payment but held funds in suspense essentially holding the funds then reporting me delinquent. I have brought the loan to a current status however the lender will not correct the derogatory credit reporting.
It says my account is closed for XXXX XXXX XXXX on the Equifax report and it is not. Also, my XXXX is paid off and my XXXX is paid off in full.
I have asked Equifax several times to add the following to the report after the mistakenly removed it .... 

Please add these back. 

XXXX XXXX XXXX - Monthly payment {$380.00} - Closed XXXX XXXX XXXX - Monthly payment {$550.00} - Currently active. 

XXXX says they are actively reporting it but Equifax deleted these two. Please add back just the two non-fraud GOOD STANDING accounts.
They were removed by mistake, the removed a charged off one properly, but also removed these two which are in great standing. These two being removed hurt my score tremendously. Please add JUST THE TWO ABOVE back. 

I tried talking to the creditors and they said it is properly reporting, so I have to request Equifax adds them back.
Convergent Outsourcing is attempting to reage an account that is beyond 7 years of collections. This account has already been settled.
Received call at work from " XXXX XXXX '' at XXXX XXXX  XXXX, XXXX, also known as The XXXX XXXX, claiming they would take me to court for " malicious intent to defraud a financial institution '' and " breach of legally binding contract. '' I contacted the original debtor and they have no record of me owing them money. I have paid all my debts and have a good credit score.
I contacted PHH Mortgage for assistance as I was not working. I completed a request for assistance, sent my life history, the property was appraised. I received a letter saying that I could make a reduced payment of approximately half of my mortgage payment for three months and would then have to resubmit a hardship package and all documents again. I'm not sure how this is helpful. I was told that I didn't qualify for any other programs because of my debt to income ratio. If PHH was to lower my interest rate and helped me with a repayment plan I could afford the mortgage payment. The investor of the loan XXXX XXXX XXXX does not care about homeowners facing a hardship. I'm asking for someone else to review the hardship package submitted again and reconsider offering us a lower interest rate and repayment plan. Also, I have contacted XXXX our single point of contact seven ( 7 ) times and she has not responded to any of the voicemail messages left. I'm not sure I understand how a reduced payment for three months is a viable option to help.
XX/XX/17 money transfer into my paypal account. Today is XX/XX/17 and I still have been unable to have paypal transfer the money from my paypal account into my bank account. I 've been on the phone with paypal all morning, I 've driven to my bank twice at the suggestion of paypal representatives. 
In short, PayPal money transfer system and web interface is overly complicated, confusing, deceptive, vague, and dishonest. 

This was a {$4300.00} money transfer that should have taken 30 minutes and is now over 10 days and waiting. 

After calling their consumer services hotline, I received vague and conflicting explanations for the delay. They seemed to give me only enough information to clear the roadblock directly in front of me and willing to let me stumble into the next hurdle they could clearly see. 

10 days and waiting.
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
The birth year on my Experian Credit Report is XX/XX/XXXX, but I was born in XX/XX/XXXX.
I called PMAB LLC to ask for verification on an alleged debt they claim i owe. The first representive was very rude said she been there five years and said this is what she does. I asked if the calls were being recorded she said always. The fact you will allow ride people to adress consumers in that manner is baffling. You would not want consumers calling you on that tone. I asked how did you verify the account was mine. She said because we have an itemized statement saying so. Excuse me? Just an itemized statement? That's how you verify an account belongs to somebody? So i was transfered to a supervisor by the name of XXXX XXXX and she said said the same thing. They just collect a debt. Well if you are collection a debt, you should have contact info for the company you are collecting for. She said they don't have that. Then how exactly are you verifying the information given to you? Sounds like fraud The representive already said she had multiple XXXX XXXX in her files. Well how are you 100 % sure it's mines?
My mortgage lender started foreclosure proceedings then stopped short of a sheriff 's sale.then they turned everything over to a company called ocwen a debt collection agency. my husband and I purchased the house in XX/XX/XXXX as a retirement place for the XXXX of us. they also sold us an insurance policy that would pay off the house in the event one of became deceased. My husband became ill and later passed away.I contatcted Option 1 the mortgagor at that time as well as the stated insurance company I sent the death certificate I was told that was not what the policy was for.Fimally icould not make the payments without my husbands income the house would sale for what was owed on it.They would not allow me to return the keys in leiu of foreclosure I moved into my sisters home as I could no longer pay nor could I maintain.. XX/XX/XXXX I submitted a hardship affidavit and they allowed me to list the house with a realtor they will not accept any offers citing the are too low.In the meantime they continue to harass me for money I do n't have.I afraid to answer the also send several letters a month with ever increasing demands for payments. 


















they want over XXXX XXXX dollars amonth at this time.I do n't have the money I do n't know what to do I made my last payment XX/XX/XXXX.that was the last of the insurance money from my husbands death.the house is empty and still in mine my husbands name.
Hello, On  XXXX   XXXX ,   XXXX   I applied for a home equity loan threw  Pen Federal cr edit union.   the request was for  XXXX  at  3.75 p ercent and the length was 60 months. During the process, we had a dispute with our loan processor. I composed an email and requested and received another processor. In the email I stated I was worried that I would receive an unfair offer. She advised all my documents were in order and she would expedite the procedure since  6 weeks had gone by. I asked If they already ran my FICO  score and she replied yes. At this rate I had no option but to wait for the offer.     On  XXXX   XXXX ,   XXXX   I receive a written offer for  XXXX  for 180 months at  4.99  percent.   I refused immediately. My FICO score is  XXXX . I have  XXXX  house with  XXXX  remaining on the loan. I have assets that total more than request amount. My employment has been steady for last 20 years.     In the offer they stated I had too many credit inquires. I never missed a single payment on any creditor.  Pen Federals  website does n't even offer a term of 180 months. it is my belief they operate dishonest banking practices, classic bait and switch, and have discriminated against me for personal or age related reasons.     Thank you.