WillisBack/dataset-financial-user-claim huggingface dataset:
I wanted to inform CFPB that I place a security freeze on my credit file on XXXX XXXX, 2017. It gave me a ten digit pin in case I wanted to remove the freeze. I called Equifax today to remove the freeze. Because every since the Equifax breach my credit file has been crazy. I thought that by me putting a freeze on my file, everything would be ok. But it has not. I asked for the freeze to be removed by Equifax freeze department. And the rude service man stated, I never had a freeze. I said, how could that have happened when I have the paper in front of me? He had no words. How can I trust to have something done and get confirmation. Just to learn it was never done.
I contacted the company, and explained i dont have any cars but XXXX in my name from 1999. He called me some names and kept yelling pay your bills. I told him about some fraud on my credit and some identity theft. But he said pay your debt. I stated sir this is not my car. Asked him to ssubmit something so i can take to dmv so he can take this off. He just sent a letter asking for money
After reviewing my credit report i noticed that XXXX XXXX XXXX is trying to collect on a debt for XXXX $ that is not mines. I do not have a contract with this company or any debt with this company.
In XX/XX/XXXX we called Bank of America to let them know we were struggling and see if we could move a payment to the end of our loan. They said that we could get a loan modification and that would help out more. We were told to skip XXXX payment and start making the new lower payment on XXXX XXXX, then after 3 months it would be reviewed and we would know if we were approved. We were approved and everything was fine till XXXX when I made XXXX payment early on XXXX. I started getting phone calls on the XXXX saying I missed my payment. When I answered the phone we would have to go through a major ordeal that the loan was in my husbands name and that they could n't talk to me about it, we had send in a letter XXXX different times giving me permission to talk to them, it would work for XXXX or XXXX phone calls but then we would go through it all over again. They insisted that the payment I made was XXXX and would go all the way back to the payment they told me to skip saying they were all late. I received multiple harassing phone calls daily. It did n't matter how many times I explained they insisted I missed a payment. They never would assign me to just XXXX person to handle the account, I had to call and talk to several people and explain to each XXXX the whole story ( sometimes XXXX a call ). I would finally get someone who sounded like they knew what they were talking about only to be told to call back in XXXX hrs to see if it was fixed. We went through this for a year! Constant phone calls, no results. Finally in late XX/XX/XXXX we gave in and paid some of the fees that they said we owed just to be done with it, even though I have documentation that we never missed a payment. Last month XX/XX/XXXX I noticed a {$15.00} charge on my statement so I called to see what it was for. I was told it was due to a missed payment in XX/XX/XXXX, I explained the whole story and got the same run around, " I 've submitted it for review, please call back in XXXX hrs to see if it is resolved ''. As of XXXX weeks later it still is not resolved.
I went into the XXXX XXXX branch of Bank of America in XXXX, WA to make a deposit and to pay XXXX bills and the assistant manager wasacting as a teller and she was racist to me. She engaged in XXXX, XXXX bigotry, reverse discrimination, and age discrimination. 
She lied to me and was very rude and was arrogant to me as was hermanager XXXX. I have XXXX at the college and XXXX for39 years and their treatment of me was something you might expect from acouple of street punks. I want Bank of America to be fined and apologize for thetheir treatment of me and learn how to conduct business in a proper manner. 
Both XXXX and XXXX should be terminated over this which is not theXXXX time I have been lied to by these young kids who have certainly let theirXXXX management job go to their heads. I was trying to teach XXXX how Iwanted my transactions handled and she walked off and ignored mebecause she arrogantly thought that she knew better. It is no surprise thatBank of America has an F in customer service. Both of these young peoplewould have failed my Successful Leadership or Servant Leadership class. Itis time for a leadership change at this branch. XXXX have wisdomwhich many young people would do well to listen and learn from ourexperience. After 55 years in XXXX I believe I know a little bit about howbusiness should be conducted.
During the month of  XXXX    XXXX  , I went into Fifth Third Bank to apply for a Unsecured Flexline load application ID #  XXXX . I was told that I had been denied of this loan and received a letter with alot of not true facts. For  one m y credit was  XXXX  which you only need a  XXXX , I have a car loan that has been paid off in full with a long length of credit. I dont have any credit balance on my credit repo rt. Fifth Third Bank turn ed my down but the next day  XXXX   XXXX  gave me a personal loan and a credit card,   XXXX   XXXX   XXXX   gave me a credit card as well. These banks was looking at the same credit report. Because who ever the underwriter was on my application didnt do their job.
I requested a two-month forbearance for my private student loan and my request was denied by " the system. '' Citibank was unwilling to consider alternative payment arrangements, despite my recent unemployment and my cosigner being on a medical leave of absence. I have no history of late payments and am not sure how soon I will be able to make a payment.
XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( CREDIT PLUS XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )
I modified my loan and any thing I owed was put on the back of my loan my sevicer states I owe XXXX in fees. I have never missed one payment since I modified my loan XXXX/XXXX/XXXX I 've showed proof on my original modification agreement with XXXX ( XXXX ) then it states my loan is up in XXXX/XXXX/XXXX which my modification clearly shows my loan is up XXXX/XXXX/XXXX. My loan servicer literally gave me a new ending date for my loan over 40 years more. When I clearly took out a 30year fixed rate. An after I modified my loan and was approved my ending date is now XXXX/XXXX/XXXX. Plus I 'm im owed for the forced insurance that was put on my house when I already had insurance it took three weeks to get this straight and I was told/writting that it is being credited to my account yet I 'm being told I owe late fees which if I ever pay my loan pass the XXXX of the month I always add first it was XXXX $ then I was told it was XXXX $ In late fee charge ( I always put the fee in as I am obligated to ). I believe this servicer ( s ) are doing illegal practices to rob unsuspecting consumers. I 've ask in writting at least 2 time to show me in writting how I owe these funds because my bank records clearly show I have never missed a payment since I modified my loan and ever thing I did owe was put on the back end of my loan. So I 've come to the conclusion that this is not my loan!
I contacted Experian via Credit Check total 2 months ago to cancel my free trial membership and was told I would not be charged anything. On Friday the XX/XX/XXXX my card was charged for 2 months while I was out of town on a family vacation. I have called everyday since then and spent hours on hold and cant get through to anyone. I have also emailed asking for help. I want my money back. My account # is XXXX.
I got scammed when buying a XXXX in XXXX of Legends, which is boosting from platinum XXXX to diamond XXXX. The seller asked me to send to money through friend/family. Now he never reply a single message from me through XXXX.
I loaded {$220.00} on XX/XX/18 on my Netspend prepaid card..I paid a XXXX XXXX XXXX  bill & I immediately had them reverse the payment.Today is XX/XX/XXXX & my payment is still pending.I 've called all week long & all the reps giving me the run around.I 've sent my cancelled confirmation & the supervisor of Netspend 2 of them even spoke with an XXXX XXXX XXXX  rep who confirmed the payment was reversed & still my money is pending..PLEASE HELP ME
Dispute reference XXXX filed in a timely manner with the banking institution, on XX/XX/2018 a PNC Debit Card Transaction Form was completed and faxed, along with a detailed page listing a documentation/illustration of what should have been received. A scanned copy of the documents provided to PNC have been attached.
I had an account with Citi AAdvantage for over 18 years. I recently contacted them to let them know I i was making a name change to my business and needed the card to reflect that change. when I called I was advised that I will get a form in the mail with several questions to mail back. I was also told by a representative that my account number and everything else would stay the same. To my surprise, my account was closed with no notification from Citi AAdvantage, and I am outraged. I use this card daily, have a high available balance. pay my bills on time. I contacted customer service immediately when my card was declined when trying to order food. I was told I closed the account, which was incorrect. I was also told that a supervisor would contact me. no one bothered to contact or send any letter about closing this account. I contacted customer service and was transferred to the executive response unit that promised this should be an easy fix got back to me after 5 days and said that this account can not be opened and that I can apply for a new card. I am outraged and need to know what I should do next. the account was closed in err of CitiAadavtage and they should take the responsibility of fixing this issue.
I 've Verbally requested that the Auto Loan company Ally Financial send All correspondence and communication in writing to my home address. Since I 've received at least XXXX harassing calls at my place of work which they have obtained thru public records. I 'm afraid if this continues I will be at risk of losing my job.
I was involved in an accident on XX/XX/XXXX2017. I was transported in an ambulance and was admitted in XXXX XXXX XXXX XXXX. The accident was covered under Workers Compensation XXXX XXXX XXXX XXXX XXXX and also my personal Insurance XXXX. The case was settled and all bills due have been paid. I informed the XXXX XXXX XXXX who treated me that its a workers compensation and to contact my lawyer.
Though the case has been settled and all bills paid I dont understand why i am being harrassed for this little amount and CACI keep sending letters over and over. They reported to my credit agency dropping my credit score drastically. This has prevented me from getting any credit card now. 

As note I sure want to add that XXXX XXXX XXXX staff members did not treat me well. I was diagnoised with XXXX and i XXXX XXXX XXXX XXXX XXXX XXXX they gave me. Though I informed the nurse it was there for couple of hours before someone cleaned it up. The phone was also not working for me to call my family members and inform them about the accident. 

Please do needful to stop this harrassment on injured worker.
XXXX believes I owe them {$220.00} dollars. However, XXXX can not prove that I in fact owe that money. Now, XXXX has hired XXXX debt collectors who have been calling me at work despite me specifically asking them not to call me at work. 

What happened was the following:1 ) I shipped books to an individual on XXXX in exchange for {$220.00} dollars. I have proof of that shipment via USPS. 

2 ) The individual claims to have received the books and then sent the books back to my home address. 

3 ) I never received the books allegedly shipped back to my address. The " purchaser '' of the books can not prove he actually sent them back to my address. 

4 ) Now, XXXX ( owned by XXXX ) wants me to pay {$220.00}, which I assume XXXX paid the original " recipient '' of the books. 

5 ) Recently, XXXX has engaged XXXX, XXXX-party debt collectors who have been calling me at work. 

6 ) I have told these debt collectors to stop calling me at work and call my cell phone, but they keep calling me at work which is unacceptable. 

7 ) I do not owe XXXX anything yet they will not leave me alone.
On XXXX XXXX, 2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files that may have compromised as many as 140 million people. Equifax states that it is " offering free identity theft protection and credit file monitoring to all U.S. consumers, even if you are not impacted by this incident. '' In an attempt to understand what this free identity theft protection service would provide I attempted to review the web site indicated on the Equifax https : //www.equifaxsecurity2017.com/trustedid-premier/. Within this web site is information that states " Identity theft insurance underwritten by American Bankers Insurance Company of Florida or its affiliates. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions. '' The web site does not clearly state what happens after the free year is over.
The site suggests calling a special call center for more information. My call to this call center on X/X/17 at XXXX PST ( XXXX ), revealed that the call representative could not provide the actual policies or terms for this service. I requested a supervisor but the representative refused to connect me to one and insisted that I refer to the web site for answers to my questions. Three times I repeated that the reason I was calling was because the web site did not contain the information and each time I was instructed to review the web site.
Back in XX/XX/XXXX or XX/XX/XXXX I called to set up a verbal payment arrangement that if I made XX/XX/XXXX payment that they would add my XX/XX/XXXX and XX/XX/XXXX payments to the end of my loan. Well since then at I file Bankruptcy but re-affirmed on my car loan to keep my vehicle. I have made my payments since then and this morning I went out and my car was reposed!! so I called them this morning and spoke to someone in the bankruptcy division and they told me that all I needed to do is pay XXXX and I would get my car back, so they transferred me over to the payment department. Well they told me that no I needed to pay them XXXX to get my car back- which I paid because I need my car to get to work!! But then I proceeded to ask them about the verbal payment arrangements I made back in XX/XX/XXXX and  they told when I filed bankruptcy that that became voided, but that was never told to me at the time of that agreement. My bankruptcy has been discharge and they came and got my car!!! But I was never notified that I was that far behind as I thought I had that agreement in place and was still making payments? I contacted my bankruptcy attorney as well and he said that this is not good business practice and that the time I filed my credit showed I was only XXXX behind on my car payments which would have been the tow that they agreed to add to end of my loan!!!
Choice Recovery violated Public La w 95-109, Section 805-C, THE  FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST. THEY DID NOT CEASE AND DESIST AS THEY DID NOT REMOVE THE DEROGATORY INFORMATION FROM ALL OF THE CREDIT REPORTING BUREAUS FILES.       I was advised by the credit bureaus, that  Choice Recovery placed th e account for collections per attachment.     I submitted per attachment under Public La w 95-109, Section 805-C, THE F AIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices A ct. 15 U.S.C.A 1601.1692 et  al, and to remove the derogatory information on my credit bureau files.       CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices A ct. 15 U.S.C.A 1601.1692 e t al, and to remove all derogatory information on my credit bureau files.
I took out a installment loan with the understanding that I would pay it back early to avoid the ridiculous interest payments which in total would be 3 times the amount borrowed. I tried contacting the company on several occasions but was unable to reach someone. one person who calls himself a supervisor spoke with me and I was told I could not pay loan off early. This company is a total ripoff and there is no way I would have taken the loan with the intention o repaying 3 times the amount borrowed.
lexisnexis wants new information I gave it to them I have never lived at XXXX XXXX XXXX XXXX the home during my investigation revealed that address belong to a XXXX an XXXX XXXX. This is the new information I have have them investigate ASAP
Hello! Navient is now the administrator of my student loan and my loan terms appear to have changed based on what I see on the web site. I have a 3.25 % fixed interest rate with a remaining principal of {$9100.00} as of today, and I make monthly payments of {$170.00}. The web site indicates that I 'm on a 2-year interest-only payment schedule beginning XXXX XXXX and that my loan will be paid off in XXXX -- neither of which are accurate based on the terms that have existed since these loans were consolidated in XXXX. I have unsuccessfully tried to speak with a human being at Navient to ask about this many, many times. ( The line always disconnects before I am transferred. ) Additionally I never receive a call back from their automated system when I opt for that options instead of waiting on the line. I did not approve any changes in my loan terms and I would like documentation of my exact payment/payoff schedule to confirm everything is as it should be. Thank you for your assistance, and for your very existence as an organization!
1. Incorrect payment application 2. Deceptive advertising 3. Fraudulent / incorrect 4. Incorrect amortization of finance charges ongoing 5. Disregard for basic Truth In Lending Statutes 6. Misleading statements 7. Inability to access promotional charges through online interface I made multiple special financing purchases through my Amazon Prime Store Card which is provided by Synchrony Bank and serviced by Synchrony bank. 

During the course of these promotional periods, I also made normal routine purchases on my Amazon Prime Store Card. 

I have repeatedly had to message in, every month pretty much, to what I need to pay in order to avoid interest charges. I also have to request that it be applied in a way that avoids interest on my non-promotional charges. They have no way of doing this online or through the statement. On my 2 most recent statements ( XXXX 2017, XXXX 2017 ) in addition to at least 1 prior statement, I noticed that Amazon had ( without my knowledge or consent ) changed a very substantial amount of my special financing. I was not given an option to accept or decline this change, nor was I made aware of any finance charge implications or overall cost of financing. In addition, under my activity tab in my co-branded Synchrony Bank ( Amazon ) account - the system has not been able to show me my promotional balances and my statements have been incorrect and the numerous agents I 've chatted with have all told me different amounts and stories about the interest and what has happened with the account. I believe this is a systemic problem within Synchrony Bank servicing and procedure and I 'm left confused and feeling there is n't any real adherence to Truth In Lending Act or the Card Act for the matter. I am now ready to hire an attorney and seek out a class action lawsuit against this company.
Ileagalally forclosed on mortgage, I faxed receipts to them that they said I did not pay, They tried everything to steal my house from me. Including having their agent go to the door and tell my renters that it was being foreclosed and that they would have to move. 
I had to pay attorney fees late fees foreclosure fees they raised my interest rate. I moved back to Idaho completely rearrange my life, Hurt my XXXX while moving.
I applied for a USAA Secured Credit account approximately two months ago. After putting a certificate of deposit ( {$250.00} ) to serve as collateral, my account was approved.

I have been using and making steady payments on the account up until now. This month 's statement balance was the first time I ever had paid an available balance in full.

I made the available balance payment ( in multiple transactions ) two days early than my statement closing date. The payments I made posted a business day before my payment was actually due.

USAA is refusing to apply the balance towards my credit limit ( restore my credit limit ) ; while the balance is applied towards my account, the use of my card is limited.

USAA gave several reasons as to the case : 1. Payments were made with an external account and the credit card was too young - I have been a customer with USAA for over 3 years, and have used only this account to externally fund the approximately nine ( 9 ) diverse accounts I have with them. This external payment account is with Chase bank, and the routing number and account number have been given to USAA prior to opening the account.

2. USAA wants to be sure that they are getting the money - this is the most insulting thing I have ever heard from a bank, especially one of USAA 's caliber ; the card is secured against a deposit, which USAA can reclaim in any event my financial obligations are not met.

3. USAA stipulates that they have the right to increase, reduce, cancel or suspend any credit line - the lack of application of a paid amount to a credit line doesn't normally constitute a credit line reduction or suspension. It does however, indicate USAA 's purposeful neglect in adhering to the terms of its own agreement - where payments made will be credited to the account the same business day ( though this means the account, not the credit line, this does not mean to say that USAA can abuse this power ). At any rate, USAA should not abuse this clause.

I have a hold of 7 days on the account for a 30 day billing cycle. Translated yearly, this equates to a nearly three ( 3 ) month loss of use every year. Further, I was so ecstatic about receiving a credit card from USAA that I increased the credit limit ( by increasing the CD amount ) by {$100.00}, making the total amount of secured credit offered to me at {$350.00}. This also received a payment hold. When I spoke to USAA credit card customer service, they informed me that credit line increase holds were defined in my credit card agreement ( a rather full version is found at XXXX XXXX XXXX XXXX XXXX XXXX ), but could not tell me specifically where such a stipulation or clause was present.