WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I complained to the FCC about XXXX withholding a refund. I won the complaint and XXXX refunded {$270.00} on a Citibank debit card ( although I wanted a refund in the form of a check ). I used the debit card in XX/XX/XXXX, and only {$260.00} was available. When I checked the balance at www.prepaid.citi.com/XXXX, I saw an " account maintenance fee '' was charged for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the amount of {$3.00} each month for a total of {$9.00}. I know {$9.00} is n't a lot of money, but I want it back because XXXX owed me a refund and they should not be allowed to use a repayment/refund vehicle where the consumer is charged a fee. Also, in reading the law in California, that is not legal.
I began a loan modification with boa for a heloc XX/XX/XXXX.I recvd signed final mod papers fom boa XX/XX/XXXX boa never closed nor notified me sent new heloc mod papers signed and final by boa XX/XX/XXXX.as of this date XX/XX/XXXX the mod has not been closed and credit has not been adjusted. i recvd letter from boa XX/XX/XXXX stating that credit report adjustment to remove delinquencies from XX/XX/XXXX to present was submitted.boa then put the loan back into default where it is till present stating loan mod has not closed and the 30-60 days is " not a given '' .I have asked for a statement of payment history and have been told by XXXX ( cust relat manager ) that is was sent but have no control over us mail.i requested this over 21 days ago.it has taken boa over 14 months to mod this heloc and per boa is still in the closing process
Navient does not allow me to use their online format to change how much I pay in automatic billing. I have twice called to increase the amount I contribute and while they have done so, they have also increased my minimum payment to match the increase. I have made those increases, with the understanding that I can choose how much I wish to contribute above the minimum, but it is dangerous to my finances if that becomes the new minimum. Navient Account # XXXX Thank you, XXXX
After reviewing my credit report, I 've notice that I hand a credit inquiry from sterling jeweler. In XX/XX/2016, I sent a letter to Sterling Jeweler requesting that they investigate the inquiry and advised them that it was I that had made the attempt to get a account with their company. I received a letter back from XXXX from customer care department in reference to my letter ( RE : XXXX ) stating that on XX/XX/2016 it was attempt to receive credit online and that by signing the credit application I authorized the inquiry. Again after disputing this item, continually asking for more proof that it was in fact I that made that request, I received nothing. No proof, just a representative telling me I did. I 'm very shocked how in this day of time, how can a company not show proof that someone is utlizing someone else 's identify to obtain a account especially being that this is over a computer where anyone can claim they are that person. Identify theft thru a computer system is very known and used by hackers or anyone trying to obtain something in someone 's name. Also I would like proof of my signature on the application because I guarantee it is n't not mine or something I authorized.
Debt was removed from my credit report after not being able to validate the debt as per my right to FCRA. Then re added back on there which is a direct violation of my FCRA.
A consumer reporting agency shall provide to a consumer in writing, no later than 5 business days after the date of the reinsertion : ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information, and ; ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification and this is a serious violation of the FCRA. I am requesting that you furnish this information within 15 days. If you do not provide the information requested, you must delete ( this/these ) account ( s ) as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request.
I request that these debts are removed immediately as they do not belong to me.
I contacted the credit bureau and there was no validation provided XXXX from XXXX, XXXX XXXX 2017 at XXXX provide any validation about the debt that is allegedly owed. I am extremely upset that my rights were violated and will attempt to take legal action of necessary. 
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Equifax which has collected mass amounts of personal information has been breached and this information was shared against my knowledge or consent. This breach is reported to have happened between mid-XX/XX/XXXX to XX/XX/XXXX and was n't disclosed until XX/XX/XXXX. Additional analysis has since indicated that Equifax was breached even before XX/XX/XXXX and was n't disclosed. Equifax was negligent in updating open source software.
Equifax has made poor attempts to help consumers. Calling leads to busy signals or long holds. The complimentary service offered ca n't handle the traffic and is very slow and frequently out of service. 

In a previous complaint Equifax sent a " canned '' response ( noted below ) which directs users to call centers and websites which are frequently overwhelmed and understaffed. 

Thank you for contacting Equifax. We remain focused on consumer protection and committed to providing outstanding service and support. Protecting the security of the information in our possession is a responsibility we take very seriously and we apologize for the concern and frustration this cybersecurity incident causes. We have developed a comprehensive portfolio of services to support all U.S. consumers. Please refer to our dedicated website, https : //www.equifaxsecurity2017.com, for the latest information and updates or contact our dedicated call center at XXXX. The call center was set up to assist consumers and is open every day ( including weekends ) from XXXX XXXX XXXX XXXX Eastern time. 

If the same response is provided again, we can gather that Equifax is n't even reading complaints and further action should be taken against them.
Hello This company keeps calling saying My husband owe money and we are being sued.   When asked who the company is they said they cover verity of pay day loan. When asked for there address : they hang up, then they called my in-laws. told us they are going to go after his job, his driver licenses.   Their company 's name is  XXXX  there phone number is  XXXX .     I hope someone can get hold of them. Thank you,  XXXX   XXXX
I am a XXXX XXXX XXXX XXXX with a vehicle that I've been leasing with through the company I XXXX  for. I've been making double payments each week for the last three weeks and was able to take {$910.00} off of the total balance of my vehicle, which was behind due to my inability to XXXX and make the funds. Back in XXXX I was planning on driving the last week of XXXX into XXXX, only to find out that I could n't XXXX with my registration expiring. While attempting to update the registration, I was told by the vehicle administrator that my name was not on the vehicle. The leasing company never included my name as power of attorney, and after going almost two weeks with them trying to get someone to fax over a power of attorney, I was missing out on my days to XXXX. Luckily I've been lowering my payments with the doubling up every week. On XX/XX/2019, I made payment of {$220.00}, and the company 's rep informed me that my car was in repo status. I have been doing my best making double payments and told the rep that I would have a minimum of {$600.00} paid by next Friday. But they are threatening to take my vehicle. I have been willing and able to make multiple payments and it shows in the system, however, the company refuses to work with me to allow me to make the multiple payments to bring the total down.
Paypal reported 30 day delinquency against for a bill that should have been paid through my autopay. Second, they had an old address of mine. When I spoke to the customer service representative, I paid the {$5.00} and he provided instructions to get the credit reporting resolved, which I followed immediately, yet 1 month later, still have the 30 day derogatory remark on my credit report. 
More importantly, I 'm in the process of purchasing a home, and I 'm unable to get my preapproval letter due to this status ( it dropped my credit score close to XXXX points ).
NAVIENT Solutions Inc. has for the past 13 years steered me in the wrong direction to pay off my loan by telling me that I was not eligible for an income based repayment plan, but rather enrolled me in forbearance and deferment plans that include continued interest accumulation and late fees. Despite my continued efforts and attempts to inform them about my inability to pay, due to my low earnings and high cost of living, they continue to harass me by repeatedly calling my work place and leaving messages with the administrative staff, and sending me threating letters. When I attempted to lower my loan via a XXXX Loan Forgiveness Incentive, they have denied it despite my being eligible and submitting all the paperwork and proof of eligibility as requested by them through Department of Education.
Today I learned from XXXX XXXX that because my student loans were consolidated in 2010 that any payments prior to that date are not eligible for the Public Service Loan Forgiveness program. I was not informed, at the time of consolidation, that my eligible payments from XX/XX/XXXX2010 would be eliminated from my PSLF history, and I would be starting from scratch. The customer service rep I spoke to confirmed that " the impact to PSLF is not mentioned as part of the consolidation process '' and it was n't in the fine-print ( which I did in fact read ). They are clearly trying to avoid forgiving loans to those of us who are committed to public service, and that 's reprehensible.
I opened a new HSBC Advance checking account with {$350.00} new account promotion online in XX/XX/2018. I fulfilled all the promotion requirements by applying the account online and maintaining over {$10000.00} balance. The latest time when I would receive the {$350.00} bonus, based on the promotion terms and conditions, should be before the middle of XX/XX/2018. But till now, XX/XX/2018, I still did not get the bonus.

I tried almost 10 times to contact the HSBC customer service. After checking the promotion 's terms, all the representatives agreed that I satisfied all the promotion 's requirements. They even told me my case was reviewed and the bonus credit was approved by a manager. The latest date, when the bonus credit was promised to be posted on my account, is XX/XX/2018. BUT, today is XX/XX/2018. In addition, most of the representatives asked me to wait and promised that somebody was working on my case. BUT, waiting after waiting, nothing was updated for my account balance. All in all, I met all the new checking account promotion 's requirements. But HSBC Bank USA did not give me the bonus as promised. The bank wasted a lot of my time without correcting their fault, even though I had contacted them for almost 10 times.
I sent out a letter to diversified consultant ( around XX/XX/XXXX or XX/XX/XXXX ) that I never had a debt of approximately {$1000.00} from a XXXX account because I never had service with XXXX. they sent me a random phone bill with a number I never owned. they removed it off of my account for one day in XX/XX/XXXX but was added back. they refuse to delete this account! Clearly I have been a victim of fraud and they can not prove this is my debt.
Midland Credit sued me in XXXX County for debt my nephew, XXXX XXXX, defaulted on a credit card. I was not a cosigner on this account. This occurred in XXXX County Superior Court and XXXX XXXX Justice Court. I found this out because I am selling my home. Midland sued me in XXXX XXXX Justice Court and XXXX County Superior Court for the amount my nephew owes. Midland did this because I signed and beneficiary deed giving my home to my nephew after I die. That deed has been revoked. Midland had no right to sue me.
American Express is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being XXXX days late on XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.
In XX/XX/XXXX there were 2 unauthorized cash withdrawals being conducted in XXXX  XXXX nearly 500 miles away. I became aware of these charges when my card was declined at XXXX XXXX in XXXX, CA where I live, and I received a text from XXXX XXXX regarding suspicious activity asking me to contact them. I called immediately and was told that there were 2 withdrawals, {$300.00} & {$260.00}, that were conducted in N. California. I explained to the rep that I had the card in my possession the entire time and did not share my card with anyone NOR was I anywhere near N. California. My card was closed and the rep filed the dispute on my behalf. A month and a half later I got a call from the bank asking for more info. I explained to that rep the same thing i had explained back in XXXX and they said they would let me know via mail. On XX/XX/XXXX, OVER 60 days AFTER I FILED MY DISPUTE, I received a letter from XXXX Bank saying that I benefited from the transactions and that I my dispute was denied. I was OUTRAGED!!! I called my credit card company immediately and they refused to provide me ANY documentation regarding the investigation, which is a violation of REG E and they said that I did not fill out the form correctly, since I didn't list the amounts. Rep named " XXXX '' refused to transfer me to a supervisor and stated she would not mail me any documentation regarding my dispute. This is outrageous!! My card was compromised and XXXX Bank is holding me responsible!!
Merchants Adj Service has willingly reported to the three credit bureaus a debt of {$91.00} XXXX XXXX XXXX XXXX. I never received a notice of right to dispute by mail from them at my Current address. I have contacted them several times demanding they remove the reporting and resend the file to my medical insurance provider as my claims are covered 100 % by either Medicare or Medicaid in the state of KY. They have ignored all attempts to comply to the FCRA on reporting and the FDCPA on the proper procedure of rights to disputing. I will continue to exercise my rights under the FCRA filing regularly under the CFPB portal including but not limited to litigation if deemed necessary.
Reviewed my XXXX credit report dated XXXX XXXX, 2017 and Portfolio Recovery Associates ( PRC ) reports an original balance due of {$1200.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.
2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.
3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.
4. This information erroneously appears on all ( XXXX ) credit reporting agencies and I have asked XXXX to dispute such claims with no response from PRC.
5. As such, all such information should be deleted from all ( XXXX ) credit reporting agencies.
XXXX XXXX
exparian is demanding i pay a fee before allowing me to review my credit report, and to view any disputes i have opened with them on both my wife and i 's credit report which is full of invalid or fraudulent information and charges, they have also made it to where you cant cut and paste anything proving wrong doing against them on there web sit
Received account balance option letter from FreshView date d   XXXX   XXXX  2017 in reg ards to : Current Creditor-CACH,  LLC  ;  Original Creditor-  XXXX   XXXX   XXXX  ; Currrent Balance- {$10000.00}.  Three opt ions were given with the letter stating I had 30 days from date of letter to take advantage of one of the options. Today,    XXXX   XXXX   2017, I we nt to  the FreshView web site to take option   XXXX , making 4 payments of {$600.00}. I was informed on website to contact them. I called FreshView  at  XXXX  and was told that I must call CACH , LLC at  XXXX  as they were no longer handling the matter. Today ,   XXXX   XXXX  2017, I ca lled CACH , LLC and was told that the matter was sent to their attorney, the   XXXX   XXXX   XXXX   XXXX   XXXX     and that I must contact the attorney. I called the attorney today at  XXXX  and spoke with a  XXXX   XXXX   XXXX  who informed me that I was not yet really in their system and that she would have to wait until I was in their system.  XXXX   XXXX  stated she would call me back when she received my information. My complaint is that it is not yet 30 days until    XXXX   XXXX    2017 and this debt was sent to an attorney before 30 days. I want to take advantage of the opti on of making  4 payments  of  XXXX  on this debt befor e XX/XX/XXXX  as I  do not want, and should not, be sued by an attorney when I was given an option letter that is still valid within the 30 days to take advantage of. CACH , LLC had no right to send this matter to their attorney before 30 days fr om XX/XX/XXXX !
Judgement in NY against XXXX XXXX for {$1400.00} by XXXX XXXX XXXX, XXXX in XX/XX/2013. 

I believe that this violates CFPB Admistratuve PrAlso, the judgement from XX/XX/2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can close. 

Also, the judgement from XX/XX/2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can proceed This came up during a refi and not in a credit report this week during a title search. I have no knowledge if this judgement and have had several where this judgement never appeared. 

Please remove and or show proof of service. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX
To Whom This May Concern, I have disputed a Bankruptcy reporting with XXXX, Experian, and XXXX. I initiated the investigations a total of four times with no success. The dates are as follows : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 In accordance with the FCRA, the Consumer Reporting Agencies has not updated or removed the errors from my your credit reports after discharge! Due to the Bankruptcy showing on my report, its ASSUMED by creditors as being active. I am disputing the item now through the CFPB in hopes to get this issue resolved after four unsuccessful disputes that I certified mailed in writing. Thank you in advance! 

Concerned Consumer ... ..
My realtor has initiated a short sale with PNC in XXXX of 2015. Each time she and I have spoken to PNC we have both been given incorrect information pertaining to my loan. She has faxed to over XXXX pieces of requested documentation repeatedly and has been told the file would be submitted for short sale process. She had names, dates, and information logged for each phone call made. PNC did not even have my correct phone number, email, nor bank info which was provided numerous times. Their response is always " we attempted to contact you '' knowing the number was incorrect and continuing to call an incorrect number they had on file. Now I am being told I am eligible for a repayment/loan modification plan which does not make sense as my financial info was submitted ( again numerous times ) and the calculations they are using are not accurate nor correct. They have offered to reduce the monthly mortgage payment from {$2300.00} to {$2000.00} which again I am not able to afford this payment as I am the only individual currently residing in the property with reduced income by more than XXXX %. I am totally frustrated over the lack of communication and disorganization with the reps, team leaders, and supervisors on the phone. They can not even record the phone calls made which my realtor has logged which is telling me they do not keep accurate records and are providing inaccurate info to me. The team leader I spoke to today by the name of XXXX and also the rep by the name of XXXX XXXX ID XXXX both stated the info was not logged and a supervisor would have to pull the conversations and listen to them to verify what was said. At this time, there is a sale date set for XXXX XXXX, 2015 which I was told would be postponed until the offer letter expires on XXXX XXXX. I have no intentions nor can I financially keep this property and therefore have no other option but to pursue a short sale. My next phone call is to HUD which they advised me to contact to further investigate my file regarding pursuing a short sale. I 'm sure I am not the only account holder experiencing issues similar to this with PNC. They are once again the main reason why this file has been delayed since initiation back in XXXX as each time the info relayed is either incorrect or not relayed to where there is an understanding on both sides. Please begin the investigation asap and if need be I can provide updated financial info or whatever necessary documents required on my behalf. Thank you in advance for your time.
I'm writing about a over 30 years old fraudulent student loan. I was a minor when I attended XXXX XXXX XXXX. This was a corrupt beauty school along with over 36,000 students, my information and signature has been copied and pasted on documentations without my authorized consent. I do not have any signed contracts with any collection agencies or loan services. I've contacted XXXX loan servicing about this fraudulent claim by certified mail on XX/XX/2018. Also, reported by CFPB XXXX is facing 4 lawsuits alleging that it harmed student loan borrowers throughout the repayment process. XXXX miscalculated payments, steered struggling borrowers toward multiple forbearance instead of income-driven repayment plans, and provided unclear information, etc ... I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and Equifax has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
I signed up for an HSBC premier checking account in XXXX of 2015. <P/>HSBC was offering a promotion at the time where they would give a {$200.00} credit when opening a premier HSBC checking account. I signed up using the promotion code, but HSBC has refused to deposit the {$200.00} that I am owed. <P/>I have had 20+ email exchanges with HSBC and the issue is still outstanding. <P/>There is a similar promotion going on now and the terms are listed here : XXXX XXXX XXXX