WillisBack/dataset-financial-user-claim huggingface dataset:
Discover close my account on this XXXX. I have XXXX cash back and redeemed as staples gift cards. However, I did't receive XXXX dollars gift card and contacted discover on XXXX. The agent told me it need to take 6-8 weeks to investigate. Ok and then I wait and contacted them lately ( more than two months ). The agent just told me they wont replace it and XXXX specialist would contact me in 24 hours. Unfortunately, no one contact me again until I called back. Told me discover made a decision and not replace that to me. I see a bad customer attitude company here and I wan na everyone know how discover treat this customer. I requested to have my XXXX staples gift card back.
According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by XXXX, XXXX and Experian : Beginning XXXX XXXX, 2017 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, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted XXXX, XXXX, and Experian on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.
I was informed by letter by XXXX VISA that the company would be switching to mastercard. This switch would take place beginning in XXXX and the old VISA cards would remain active for 30 days after receiving the new mastercards or until XXXX 2015. However the company canceled my Visa card before the new mastercard arrived. This caused my automatic payments to be declined causing me additional fees. This also occurred while I was in a different city, effectively stranding me without my only credit card. I contacted the customer help number on the card and was informed that after an account has been canceled there was nothing that they could do. The representative did offer me {$50.00} for my inconvenience and offer to rush ship the card, but that did not help that my auto payments have been declined and I had the card canceled while I was in a different city.
Well I never really use my card for really big purchases so when i look at my account it said -XXXX in checking and -XXXX in savings so i called my bank and started a claim the operator was very confusing so i didnt understand her so when she asked me stuff it confused me so after that she gave me a claim number and thats it i called back a fee days latter and they said it was denied bc of information she explained it wrong so i gave the wrong information.
Equifax failed to respond to my request for debt validation on an alleged account reported to them by XXXX XXXX ( Not XXXX XXXX ) within 30 days as required by the FCRA. I submitted this request to Equifax on XX/XX/XXXX and did not receive the information required to validate the alleged debt from Equifax by XX/XX/XXXX as required by the FCRA.
Chase closed my account and since they did so I can not make payments on the phone. I ca n only do it on the Internet. I could not get to the Internet in time for my payment due the month of  XXXX   2016  and again on the month of  XXXX   2016 . I was told both times when I called in not to worry, since I can not make payments on the phone just do it as soon as I had Internet access. Both times I was assured there would be no late fee. I took Chase at their word. As it turns out they lied. I noticed there was a late fee on my most recent statement and then I decided to verify the same issue I had back in  XXXX   2016 . Sure enough a late fee charge. I contact ed Chase and they said only one charge will be reversed.
As part of the 2017 Equifax cyber security incident, I was one of the millions potentially affected by the data breach. The behavior of Equifax executives has been unacceptable following this incident, and brings to question their accountability and affability in this situation.
I made an agreement i have made monthly payments never missed. I have paid the actual company money which this collector will not give me credit for
I was told to go into forbearance by my loan provider, navient. I learned about income driven repayment plans from a coworker, I sent all of my documentation and I was accepted for a good plan. I was not notified in a timely fashion that my payment plan was running out, was suggested by my loan provider to go back into forbearance ( all while this is impacting my credit negatively ). I attempted to get the documents to Navient on multiple occasions and their systems were down. My income driven repayment plan was still not completed before I entered into even more financial distress, but the prior payments would have and still are feasible.
A XXXX mortgage firm, dba Nationstar Mortgage LLC refuses to produce the XXXX document required in escrow to finalize the sale of my property. This has been going on for over 6 months! The loan officer, the escrow officers, the seller ( me ) and the buyer have placed calls to Nationstar to request this form. We can not find a person who even acknowledges knowing what we are asking for. Its as if this form has never been requested before. In speaking with XXXX XXXX, Foresite Escrow, she ca n't understand why calls are not answered or returned, nor can the loan officer understand the failure to return his calls. They wo n't return my calls. Yesterday I spoke with three different customer service staffers who refused to connect me with an officer who could finalize this problem. I was on hold for over an hour, then they disconnected me. This same procedure happens every time I call. 
What can I do to sell my house and pay off this loan when they refuse to produce the XXXX document for the escrow and title people? They are the most unprofessional business I have dealt with in my entire life!
On XX/XX/XXXX around XXXX PM eastern time I received a call at my place of business/employer from a man name XXXX from Secure Capital Management advising that he is calling to collect debt or a court judgment will be place on my behalf. XXXX XXXX from Capital Secure Management stated I owe {$1700.00}. He stated XXXX XXXX XXXX is taking legal actions on my behalf due to me financing furniture with a mattress company in XXXX, FL. I asked XXXX XXXX if he can give me more information because I was never aware that I owed XXXX XXXX XXXX money. He proceeded to say I dont know, I am just calling because your file was forwarded to us and we have to take action I informed XXXX if this is true this XXXX XXXX XXXX needs to be investigated because when I financed with them back in XXXX I authorized XXXX XXXX XXXX to have my account set up for automatic payments monthly, XXXX then advised me that only XXXX payment was received and the rest of the payments could have bounced back due to low balance on my bank account. I informed XXXX that if this was true why I didnt receive a call from XXXX XXXX XXXX advising me of this issue. I explained to him I never got a phone call from them or a letter advising me of this. He then stated He doesnt know why this wasnt done on their behalfs then attempted to work out payment plan with me and was very adamant that I have my debit card on file with him even though I advised him I am unable to make a payment until Friday, XX/XX/XXXX. He stated he will not charge my account until Friday XX/XX/XXXX, but he needs to have it in file to start the process. I informed him I can not do that and requested he contact me today XX/XX/XXXX at XXXX ( XXXX ) to discuss this further. 

I am aware of my rights and aware that contacting my place of business or employer to collect a debt from XXXX is ILLEGAL.
Company- XXXX/Equifax/XXXX- XXXX  XXXX XXXX XXXX. Account.XXXX   . XX/XX/2016.This Company has been on my credit report for the last couple of years and has ruined my credit. Please CFPB investigate this company thoroughly and have them remove this negative item from my credit report as soon as possible. Thank you
American Express is reporting to all the credit agencies that they charged off {$29000.00} of my account and {$3900.00} is past due. This is wrong and a blatant lie by American Express. Nothing has been written off by American Express or is late. The following is the true facts. 
1. Since XX/XX/XXXX, I have by agreement with AMEX paid {$17000.00} of this bill. the last payment of {$150.00} on XX/XX/XXXX. 
2. I have an agreement with XXXX ( XXXX ) of AMEX Legal to continue paying {$150.00} per month until XX/XX/XXXX. This will payoff another {$7300.00}. In phone discussion with XXXX on XX/XX/XXXX. 
3. At this point AMEX will write off the balance of {$7700.00}. 
4. All of these payments since XX/XX/XXXX, have been automatic debits to my checking account by American Express. All future payments have been arranged as the same. So there is no question about the payments being made. 
5. I have uploaded all of my agreements and amended agreements with AMEX up to XXXX. I however, can not locate the last amended agreement that established the final set of payments, but since the payments are automatic by AMEX, they had to agree to this in order to set up the auto payments. The last agreement was amended because the payment of {$530.00} to start on XXXX was to high and was made to be {$150.00}. 
I have been honest and have continually paid off this large debt every month since XX/XX/XXXX and will pay it as agreed in the future. However AMEX has not been honest in their behavior as they ave reported untrue lies to each credit bureau about having written of {$29000.00} which they have not done, and reported {$3900.00} late, which is untrue. I pay every month by agreement, so how can the payments be late since they have been made by agreement with AMEX and they automatically debit my account. Because of AMEX and how they are lying to the credit bureau, my credit has been severly and negatively impacted by this harm. And the actions by AMEX have been as recent as XX/XX/XXXX. They must be made to stop and correct this record. A copy of that portion of my credit report is attached, as are the amended agreements with AMEX.
These fraudulent accounts need to be deleted immediately : 1.STATE FARM BANK Acct # : XXXX 2. XXXX Acct # : XXXX
I have sent information to Experian on several occassions regarding a home that I sold in XXXX.They corrected it and then it appears back on XX/XX/XXXX .report # XXXX. They ( Experian ) states that a creditor received a deed ( CRD ) what creditor.Foreclosed I have never lost a house as XXXX XXXX Bank was paid and also requested Experian and to take the word Foreclosure off my record. That was done by XXXX XXXX @ Executive Mortgage Complaints Office of Executive Complaints XXXX XXXX Bank, ( see attached ) .Voluntary Surrender ( What ) as I have never volunteered anything. Repossession ( What ) I have never had anything repossessed ( paid by creditor ( WHO ) Insurance Claim ( WHO ) The only Insurance Claim I had was an illegal tenant that XXXX and a joint company paid. The following jury trial I was awarded XXXX.I have never filed any claim against the government that I know of.Defaulted on Contract of ( What ). None of these current accusations have appeared in the past so what prompted all of this was it because I am involved in a Class Action Lawsuit.They show Collection ( What Collection and what time and date.Charge Off by who was it XXXX? ) for a tail light? .They say too many Inquires well XXXX requested 4 times and 4 times for what as Experian had a freeze on my account on XX/XX/XXXX that caused me not to be able to purchase a washer and dryer at XXXX XXXX on XXXX/XXXX/XXXX reference number # XXXX. XXXX XXXX phone # XXXX. ( XXXX  I don't and didn't ask for this so why didn't they take the time to call when these inquiries are lowering my scores.The Collusion of these reporting agencies and the consumers inability to talk to someone should be curtailed. The Internal Revenue request and Experian says that they have no number. Come on The IRS.And Experian Inquiry on XX/XX/XXXX for what?.
I signed up for a Best Buy credit card many years ago. Since 2011 I 've been charged roughly {$410.00} for some Debt Protection that I never signed up for. It shows up on my statements as XXXX. I only recently noticed this. I got it cancelled but this is XXXX. That money could go to far better use than to line someone else 's pockets.
American Express charged me a membership fee but hid the charge on my statement rather than post it online where I check everyday and where every other charge is posted. If I had n't scoured the statement, I would not have noticed it. I do n't like paying membership fees so my plan was to call and ask them to waive it or cancel my card. When I finally noticed the charge ( 2 weeks later ), I called but they said they were not authorized to speak with me - only my husband. He called a week later ( he 's busy and works 12+ hour days ) and they said there were no issues and I was able to speak with them. So they lied to me when I called on purpose so I would n't be able to ask them to waive the fee or cancel the card. I then went away for 10 days and when I came back and called them, they said I missed the 30 day window to cancel and be refunded the fee. American Express is extremely deceptive by lying to me so that I could n't get the fee waived and cancel the account in a timely manner. They stole money from me that is rightfully mine by their lies and deception.
On XXXX 2017 XXXX XXXX credit card was settled and paid in full. Needs to be reported by Experian and XXXX and XXXX  as a paid charge off
I keep getting calls from XXXX saying they are looking for me. They are also calling my parents home. I have no idea what this is about but the calls are very threatening and annoying.
HSBC bank continues to list a fraudulent account on my XXXX credit report and refuses to provide sufficient proof of my ownership of the account. I never opened nor used any account from hsbc bank/XXXX. this account was opened in 2010. I was not even living in Massachusetts in 2010. this continues to damage my good credit.
Someone contacted me on XX/XX/XXXX claiming to be a litigation attorney ( even though I can not find the actual law office anywhere online ), and said that Advance America is filing charges against me for fraud for giving a bad check. The attorney himself stated that the check was not bad when it was given, that they even tried to run it and it came back as insufficient funds. The account was closed for non-use not long after when I moved cities, and I was not contacted by the company saying that I owed a debt, and I legitimately forgot about it. This was originally in XX/XX/XXXX, and I have not once received any kind of contact until today when they told me charges were being filed against me because I took out a loan with a bad check, which again, they stated themselves was not a bad check when I gave it to them. They are threatening to come to my work, or that I might go to jail because of it, even though the county told me themselves that the case number they gave me was n't even one that 's used in their court. I would have no problem paying back the loan, but no one has contacted me until now, and no one gave me any information until this morning when legal action was threatened.
On XX/XX/2018, I received an email that the IDR repayment plan would end on XX/XX/2018 if I did not reapply by XX/XX/18. 

I reapplied that same day and received notice on XX/XX/XXXX that the application was received. On XX/XX/2018, I received an email that the payment next payment due on XX/XX/2018 will be {$2400.00}, which is much higher than the current income driven play payment of {$420.00} and several months ahead of the scheduled end date of XX/XX/2018. 

Next, I received an email on XX/XX/2018 stating that the renewal IDR application was approved and the new payment would start after your current plan expires on XX/XX/18. Notice that the end date for the current IDR plan changed by 30 days! The notice I received also did not include the new payment amount, but said the new payment amount would start after my current plans expires on XX/XX/18. However, the initial end date was XX/XX/2018. 

Despite all of this, the current status on my account states that the next payment is due on XX/XX/2018 for {$2400.00}. I have contacted them to resolve this issue and have not received a resolution. 

By inaccurately reporting the payment amount, erroneously scheduling IDR expirations dates, and sending notices with little information, Navient is forcing borrowers away from affordable payment options and imposing unnecessary reliance on forbearance, deferment ( if available ), and delinquency -- all of which are unacceptable and illegal due to the tyrannical nature of Navient 's actions. Please take action against Navient to hold them accountable and promote fairness in the student loan repayment process.
Homeowner had Foreclosure mediation with Select Portfolio Servicing Inc. & their attorney on XXXX/XXXX/2014. No retention option has been reached & Select Portfolio Servicing offered Cash for Key to move out for {$3500.00}. Select Portfolio Servicing prepared document for Homeowner to sign & Also mediator confirmed during our mediation that they are going to give Homeowner {$3500.00} when they takes the property. Homeowner 's property has been taken away by Select Portfolio and they never sent payment to Homeowner. We called to the Select multiple times to send us check but they would not send check to Homeowner who 's house has been taken away by Select Portfolio XX/XX/XXXX.
Beginning XX/XX/2013, Ex wife, ( XXXX XXXX XXXX ) was encouraged to stop paying on house mortgage in order to qualify for a Loan Modification. Chase Bank completed a loan modification initiated by my former spouse without prior written notice or authorization by myself as the primary on the note in XX/XX/2013. 
In Loan Modification section marked ... My Representation on page 2 item C reads : " There has been a no change in the ownership of the property since I signed the loan documents. '' Original Loan and Title was taken / placed in both of our names, both signed loan documents, so statement she signed as TRUE in my representation on page 2 item C, is NOT true. 

If a Quick Claim Deed gives her all interest in the property, the ownership did indeed change from both of us to just her, making the above statement FALSE ( see My Representation page 2 item C ) because ownership of property did change. 

I have been unable to obtain a response from Chase Bank as to why this loan modification was permitted to happen without notifying the primary borrower ( myself ). As I am responsible for paying part of monthly payments. ( bank statements of payment are available if needed ). I feel I should have been involved in the process as I am co-owner on the property. See enclosed divorce decree. 

Loan modification was completed by Chase Bank with my ex wife without my knowledge or signature. My name appears only on the mailing page. Ex wife SIGNATURE is only one found anywhere on the loan. 

The Company involved is JP Morgan Chase Bank with my ex wife, XXXX XXXX XXXX ( XXXX ) and myself, XXXX XXXX.
I had recently sent a request for my all 3 of my credit reports by free annual credit report and TransUnion responded and requested for information. In response to TransUnions request I sent my ID and Social Security card. Today I received another reply from TransUnion and I did not not need to go through this same process with the other credit bureaus which were cooperative. I have lived at my current address for more than 2 years and had sent TransUnion my ID and Social security card as requested.
This is the letter I sent describing my situation : I recently received a letter from " Merchants Credit Association '' saying that XXXX of my bills from XXXX XXXX XXXX XXXX went to collections. I never received these bills and they were never paid for by my insurance company. 

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item, : Account : XXXX Date : XXXX/XXXX/XXXX Payments : {$420.00} Account : XXXX Date : XXXX/XXXX/XXXX Amount : {$53.00} After digging around all day and speaking with someone from the XXXX XXXX XXXX billing department, I am still unaware of what the bills were for, as the billing person I spoke to ( XXXX ) had no information on the bills sent to collections and had little help to offer me. She basically told me that she could not help me. After speaking to her for some time, it was determined that the billing address you had on file for me at that time was the following : XXXX XXXX XXXX XXXX, WA XXXX, However, my mailing address has been the following since XXXX ( which can be seen in my attached credit report and Alaska XXXX reports since XXXX ) : XXXX XXXX XXXX XXXX, AK XXXX In addition, my insurance only had XXXX claim from XXXX XXXX XXXX from XXXX XXXX, dated XXXX/XXXX/XXXX. A copy of this claim is attached. As it turns out, the billing company not only had my incorrect billing address, but they also had my incorrect insurance information, none of which I knew about until yesterday when I opened my letter from Merchants Credit Association ( account number : XXXX ). 

I am requesting that the items be removed from my credit report ( which will also be contested to the Federal Credit Bureau ), correct the information, and rebilled to the correct insurance company ( XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, PayorID XXXX ). I more than anything want this to be paid, but will not do so until I have the written assurance it will be removed from my credit report, as this was at the fault of the XXXX XXXX XXXX XXXX billing department and not mine. I have also filed a claim with the XXXX, which will be resolved once I have in writing that this has been taken care of. I am also requesting a detailed report of the services associated with the above dates.
I obtained veterinary services from XXXX on XX/XX/XXXX at time of service I gave my credit card as payment. Was given a receipt showing the bill paid. I received a notice from XXXX stating that I owed them money for services received that day. 
I figured it was a mistake and ignored notice. I then received notice from a debt collection agency called American Credit for XXXX threading to put negative information on my credit report. I called XXXX  and they do not know why the payment was not processed, but according to them it was not ever processed. I looked through my records but did not see payment going through but have since changed banks and do not know if it was processed. I offered to make payment as I do not want my credit ruined. XXXX would not accept my payment as they stated it had gone to collections on XX/XX/XXXX and I could only make payment to American Credit at XXXX what added a fee to the bill. At this point I am not sure what to do and I feel like I am being scammed. How can a company give you a receipt at time of payment and then say Oh sorry did not process it correctly and you owe us the amount.