WillisBack/dataset-financial-user-claim huggingface dataset:
I requested my free Equifax credit report online at XXXX on XX/XX/XXXX but the website responded " Online Delivery Unavailable ''. Again I requested my free Equifax credit report online at XXXX on XX/XX/XXXX but the website again responded " Online Delivery Unavailable ''. I don't understand this because Equifax DID deliver my free report ONLINE back on XX/XX/XXXX. Also, I never have a problem getting the reports online from XXXX and XXXX. 

Equifax says alternative is to request my report via USPS Mail. I do not wish to send my sensitive private data via USPS Mail as required in the request. Nor do I wish to receive my sensitive private data ( the free report ) via USPS Mail. Privacy issues. 

Bottom line, I can't get the Equifax report online, while I CAN get them online from both XXXX and XXXX. 

See attached screens related to Equifax
After applying for a credit card with XXXX on XX/XX/2018 and noticed that a delinquency was reported for Experian. 

I obtained a credit report from Experian on XX/XX/2018 and noticed that a 30-day delinquent account was reported for XXXX XXXXXXXX XXXX for account ending in XXXX. I have previously filed a CFPB complaint regarding this because XXXX XXXX XXXXXXXX closed my account that had a balance and removed any indications that a balance still existed and didn't provide any means to pay the balance. After the CFPB complaint was filed, XXXX XXXXXXXX XXXX had agreed to remove the delinquency report from ALL credit bureaus in exchange for settling the remaining {$25.00} balance. 

This delinquency is still being reported by Experian to this date.
I contacted the debt collection agency regarding loans that went to collection after continuously requesting and being approved for deferments and did n't understand what was going on. Since I have contacted the Dept of EXucation to find out what exactly is going on because the people at the collection agency was able to provide an adequate response. After contacting them they have called at minimum 9 times a day at minimum and I just do n't believe they should.be able to contact me as much when I 've explicitly explained the situation and I am attempting to rectify the situation.
On XXXX XXXX I called wells Fargo bank about a ACH transaction that was scheduled to hit my account however I was not able to see it so I wanted to confirm that it was not returned and will be paid, The customer agent confirmed that just like me she could not see anything pending on my account and assured that my deposit had gone through already as of XXXX so I should have enough funds to cover the transaction when submitted. I checked my balance all day and everything was fine and suddenly late afternoon I saw that the transaction was processed first before my deposit and the bank charged me a {$35.00} NSF fee. I called them and asked why they would process this transaction first and why was n't it showing as pending before, why the customer agent assured me that no fees will be assessed the agent replied and said that this transaction was actually submitted on the XXXX. I replied that this could not be true because their own customer agent could not locate it in their system, then he told me that we can still process it by noon the next day and charge you a fee if necessary. I replied that it was about XXXX when I saw the transaction post and that did check at XXXX XXXX and nothing was there so even the cutoff time was not accurate. last but not least I told him that I have a limited checking account that does not allow for overdraft to begin with so why would they break their own rules and pay this item instead of returning it as they were supposed to. he could not help he transferred me a another department called executive customer care who opened a case ( case number XXXX ) promised to review the recording and see what the agents promised then call me within one business day with a resolution but I never heard from them. I believe this bank continue to pray on certain groups of people. they have unfair business practices especially how they process transactions to benefit themselves and hot customers with unnecessary fees. this is again biased unfair and they can not continue take advantage of consumers and steal their hard earned money which they were already found guilty of doing. I 'm planning on closing this bank account, tell my friends and colleagues but I need to recover the amount they stole from my account prior to doing that.
I have one disputed charge first submitted in XX/XX/2018. Six months later, the issue has not been resolved. Fraudulent charge is still listed on my balance. Have requested escalation numerous times. Have been passed from dispute to fraud department in an endless loop.
Well let me start off by saying we're XXXX and can't work, Nationstar thought we wanted to ride for free and make no mortgage payment but that wasn't the case. We was waiting on XXXX to get approve when we try to stay in contact they would hang up or they would talk very rude they say you can't stay for free. I know this but just bear with us for a little bit till I get approve for XXXX and they would hang up.They didn't care if I was on XXXX or not,they we're going to foreclose I told them I needed the make my home more affordable program paper's they say ok then I would never here from them until i call
and this went on for a long time they just wouldn't call just didn't care.Then I would call and for the paper work we will sent it at some point they would stop talking.To us I would call and leave MGS. after MGS and no call so if they really wanted to help don't think they would kept in contact with us.there a lot of homeowner's with Lender that have the same problem just check any web site.We had XXXX suppose to be Dedicated Loan Specialist if they really wanted to help we wouldn't be in this problem.XXXX and all of wouldn't call u back.The last time I talked to XXXX I said I need those paper's to fill out and he ok I'll mail them and he waited till the day of sale date
we need those paper's back now and the sale date was the next day.I call and left a MGS
I need more time.They knew it was to late when they saw my income it was to low they wasn't going to make no deal. So when the sale date was here I called them and they just
hung the phone up and I called a few times. And nothing this Lender just wasn't especially
XXXX people with low income.We can't help it if became XXXX
I graduated college in XX/XX/2009, at which time I spent months looking for a job, any job, just to make some money. The money I was making was minimum wage and not enough to even begin making payments on due to unwillingness of the lender to work with me on getting me on an appropriate repayment plan. I therefore spent years struggling to make ends meet and being harassed by debt collection calls ( I still receive to this day ) as well as being hit with penalty fee after penalty fee. Less than 10 years later from graduating I am now looking at a loan balance that is now 200 % more than the original balance owed. As soon as I could, a few years later, I attempted to keep my private loans in good standing by paying an agreed upon amount each month. It was a steep amount each month and the representative i spoke with implied that it was also to go towards paying down the principal and no additional fees and penalties would be charged. When I had some life circumstances change and I needed to reduce the payment I was harassed, insulted, patronized and told that " You might as well not pay us anything anymore as it wont do any good. '' It was at that point that I ceased all repayment as no other representatives were willing to work with me. All other personnel I spoke with were patronizing, accusatory, and unhelpful. This is where I find myself today, utterly hopelessly without options and trying to figure out how to get penalties and fees forgiven so I may hope to repay my debt within my lifetime ... but not seeing that presented at all by Navient.
I asked to break my lease in the apartments that i resided. So they asked for {$1000.00} dollars as a fee for breaking the lease. I paid that money plus the rent of that month. I left the apartment by the end of XXXX and they said said that the apartment will be leased at XXXX so you have to pay remaining balance till XXXX. I figure out that they are charging me {$4600.00} of rent for XXXX and XXXX and XXXX. The lady working told me i only pay for XXXX. So i want to dispute these extra charges and complain.
This is in reference to a time-barred debt. Last payment was made XX/XX/2011 from a repossession auction. Another collector tried collecting this also, but withdrew when i was having a lawyer represent me in court. The debt was time-barred at that time also. They are now calling my personal phone and anyone they can at my employer. I have requested they not call here due to my employers policy against this sort of inquiries. I requested they send me the info about this matter. FDCPA states they have 5 days. Lady on phone argued it was 30 and asked why in never responded to any of the paperwork they sent. I informed her that i never received anything from them. A gentleman i talked to yesterday stated this was about a breech of contract, but the lady today stated this was a lawsuit and an attempt to gain asset info from my employer to garnish wages, all while trying to strong arm and intimidate me. She seemed to have no concern or knowledge of this FDCPA regs. She didnt state the company name, reason, anything of that sort. All required per FDCPA. She also told me i needed to get another lawyer as my current lawyer doesnt know anything. I was told from the gentleman the other day that the name of their company ( which i had to ask for ) was XXXX. I found nothing on just that but did find info on some companies with the same letters as name, but spelled out. I believe i found the right info in my search then as a post i found, people have explained the same exact thing that they are doing to myself. i have added the post link below. I would really like to have all of this stopped as i 'm trying to move on from my past. 

XXXX
I have contacted this agency multiple times in an effort to validate a debt that does not belong to me. This company has failed to provide accurate documentation. A bill summary does not validate this debt. I also believe that my privacy pertaining false medical history has been unlawfully accessed, I will not hesitate to file a XXXX complaint.
IN XXXX OF XXXX .I CONTACTED XXXX ABOUT MY CHARGE ACCOUNT .I TOLD THEM MY HUSBAND LOST HIS JOB IN XXXX.BUT I STILL CONTINUED TO PAY THIS CREDIT CARD IN GOOD FAITH .TO REPAY DEBT.I MADE.I TOLD THEM MY HARDSHIP CAME DOWN TO PAYING TO KEEP THE ROOF OVER MY FAMILIES HEAD. I ASKED THEM IF THEY COULD LOWER MY PAYMENTS.I TRIED TO MAKE A {$100.00} PAYMENT THEY REFUSED THE PAYMENT.I CONTINUED TO TELL THEM I COULD NO LONGER AFFORD TO PAY ALMOST {$200.00} A MONTH WHICH I PAID THAT AMOUNT EVERY MONTH FOR ALMOST 2 YEARS.I MADE THE PAYMENT XXXX TURNED AROUND AND GAVE ME A NEGATIVE REPORT THE SAME DAY WITH THE CREDIT BUREAU .I MADE THE PAYMENT.THERE REPORT AFFECTED MY CREDIT SCORE.LYING AND SAYING NO PAYMENT WAS EVER RECEIVED WHEN THEY TOOK THE MONEY OUT OF MY ACCOUNT.IN XXXX I TALKED TO 3 DIFFERENT PEOPLE TRYING TO NEGOTIATE THIS ACCOUNT .MY BALANCE DOESNT LOOK CORRECT FROM ALL THE PAYMENTS MADE. I EVEN HAD PROMOTIONS STARTING FROM XXXX FROM XXXX AND XXXX THAT WERE NEVER HONORED.I NEVER REFUSED TO PAY MY DEBT. XXXX REFUSED TO LOOK AT MY ACCOUNT AND REFUSED TO ACCEPT A LOWER PAYMENT FOR ME.AT THE END OF XXXX THEY SENT A STATEMENT ABOUT A PAYMENT FOR {$57.00} AND THEN SAYING THEY WOULD OFFER ME PAYMENT ARRANGMENTS WHICH IS A LIE .AND THEY THREATENED TO TURN ME INTO A COLLECTION AGENCY..IF THERE PHONE CONVERSATIONS ARE RECORDED.IT WILL BE NOTED ALL THE TIMES I CALLED TO NEGOTIATE MY ACCOUNT.THEN A FEW DAYS AGO XXXX XXXX I RECEIVED A NOTICE FROM XXXX ABOUT A CREDIT TO MY ACCOUNT FOR {$36.00} FOR A DEBT PROTECTION PROGRAM.THAT XXXX REFUSED TO GIVE ME BECAUSE OF ALL THE INTEREST THEY WERE MAKING OFF OF MY ACCOUNT.AND THE XXXX STATEMENT SAYS I 'M 4 MONTHS BEHIND HOW IS THAT WHEN I MADE A PAYMENT IN XXXX AND MY PAYMENT DUE DATE ISNT UNTIL THE XXXX OF EACH MONTH.
I spoke with a representative @ CitiMortgage on XX/XX/XXXX who advised no additional documentation was being requested. I spoke with another rep today who stated a letter requesting additional documentation was sent out on XX/XX/XXXX. The rep from XX/XX/XXXX provided inaccurate information. On XX/XX/XXXX we were over 7 business days from the XX/XX/XXXX scheduled foreclosure and could have provided the required docs. Now we are under 7 business days from the foreclosure due to the rep providing inaccurate information.
CitiFinancial in XXXX locked me into a morage loan that I have been paying on for XXXX years and the Balence has not decreased and being XXXX yrs old i feel this company has taken advantage of me by locking me in a loan that I will not ever beable to repay, this loan is hard for me to pay at {$990.00} a month living on a fixed income, Also in XXXX it shows on my statements that the company filed on an insurance policy that was on the loan and the account was paid to a XXXX balance, the company still took payments from my bank acct. So from what i am reading it the statment they are getting paid twice for the loan and in the process putting me in the street.
Navient ( formerly XXXX XXXX ) makes it very difficult to pay off my private student loans. I have been paying for around 10 years now and have barely made a dent. If I had been told when I was applying how much I would have to pay each month and for how long, there is ABSOLUTELY NO WAY I would have signed off. Unfortunately for me, and fortunately for Navient, I was naive and uninformed. I did not know the right questions to ask nor the information to seek. 

My interest rates are insanely high ( 8-13 % ). With what I owe, you could actually finance an exotic car at around 4 % and pay it off in about 6 years. My higher education student loans are going to take me 25+ years. How are student loan rates allowed to be so ridiculously high when for the same loan amount you could get a car loan for so much less?? 

My payments are through the roof and I can never meaningfully get ahead. Even when I pay more than the minimum due, they put that extra money toward the following month 's interest rather than letting me pay down the principal. I did this for over a year ( when they were still known as XXXX XXXX ) until I realized what they were doing. Apparently, you have to mail in your payment, along with a letter stating that you want the extra amount put toward the principal rather than the following month 's interest. Why ca n't I choose to put more toward the principal with the simple check of a box online when I make my online payments?? Because they do not want to make it easy for you to pay down your loans. They want the interest payments. This system should be a crime. I hope it is. 

At this point, I have given up hope of ever paying it off. I am supposed to have about 15 years left of paying this mortgage-sized monthly bill, but seeing as how 10 years of payments have had little effect, I do not see how that would be possible. So I only pay the minimum now, even though it gets me nowhere. This debt will most likely follow me to my grave. And that is the Navient way.
WALMART DECREASE MY CREDIT LIMIT WITHOUT A REASON ALWAYS PAID ON TIME NEVER LATE I USED THE CARD OFTEN PAID TO 0 MULTIPLE TIMES
I WAS QUOTED 35% FOR A LOAN. FROM LOAN ME. ONCE I GOT THE LOAN I RECEIVED LETTER STATING I WAS GOING TO BE CHARGED 85%  BECAUSE OF MY CREDIT HISTORY. MY PAYMENT WAS DEFERRED UNTIL XX/XX/XXXX.  TO CHARGE ME INTEREST AT 85% ON THE FULL AMOUNT.  IS TH IS LEGAL?  IF I PAY THE LOAN OFF ACCORDING TO SCHEDULE I WILL PAY XX/XX/XXXX ON A XX/XX/XXXX LOAN.
I received an email on XX/XX/2018, inviting me to upgrade from my no-fee Citi Thank You Preferred card to the Citi Thank You Premier Card. The Premier card has a {$95.00} annual fee, but the email stated multiple times that the annual fee would be waived for the first year.

I took advantage of the upgrade offer via Citi 's website. 

On XX/XX/XXXX, I received a letter with the terms & conditions of the Premier card. It stated that I would be billed a {$95.00} annual fee " on the next statement issued after XX/XX/2018 ''. 

I called Customer Service to explain the problem. They told me that the annual fee can not be waived. I explained the email that I received but it did not change their decision. 

I then asked them to switch me back to the no-fee card I had before. They began that process and started reading the terms & conditions. They got to a term that stated that I was required to keep the no-fee Preferred card " in good standing '' for 1 year, and if I did not, that I would be switched back to the $ XXXX/yr Premier card and billed the annual fee. 

I refused to agree to that term, for obvious reasons. They said that if I can't agree to all terms, then they can not switch me back and I will be billed $ XXXX/yr for the Premier card. 

That was the end of the phone call.
On or around XX/XX/2018 I received several emails soliciting a Personal Loan via this Internet Lender. I fill out needed application and received a phone call from a female Representative of Amplify Funding. She ushered me thru the Loan signing process, claiming that she needed to get this done Quickly, If I wanted to get the Funds the same day and not have to wait until the following Monday. She put me on hold and shortly return with a {$750.00} Loan Approval ... ..half the amount of what I requested. ( {$1500.00} ) While we were reviewing the Terms of this Repayment, I complained that the monthly payment was very high at {$250.00} and she responded in saying that " I realize that this is an expensive form of borrowing, this is why we encourage you to pay the Loan of as soon as you can '' After struggling with the decision to move forward with this expensive Loan repayment, I decided to move forward with the Loan ( Dictated by my circumstance ) and that I would repay the loan on my next Pay Period ( 30days ). As a result, with in 10 days Amplify Funding was attempting to draft Funds out of my Account, when I called to ask why they are drafting Funds out of my account already ... ... I was told that my payment of {$250.00} which I adamantly argued was ridiculously high for a {$750.00} Loan was actually a Bi Weekly payment and not a Monthly Payment ... .and I was blown away. Amplify Funding 's Female representative had ample time to disclose this information to me regarding bi -weekly payments ... ... especially since I made such a fuss about the payment being to high and borderline Predatory. I was never told that this would be $ XXXX monthly Interest on a {$750.00} Loan ... ... this is totally unacceptable in terms of a repayment agreement ... ... I am paying back 68 % of the {$750.00} Loan in less than every 30 days.

How in the world is this Legal ... ... I am hoping that the CFPB will assist me in gathering the recorded conversation of this call ... ..and review the Representatives neglect to inform me ... ... of the Actual Terms of this Loan. By the time I was able to go back and review documents ... .money had already been transferred into my account and I could not get anyone to answer the Phone # I was given. I was rushed through this process ... ... and not made totally aware of the actual terms of this Loan and its repayment.

Please Advise ... ...
This complaint is in reference to a previously filed complaint # XXXX. 
I received a response from the CFPB stating that my complaint had been forwarded to the company ( Nationstar Mortgage LLC DBA Champion Mortgage ) on XX/XX/2017. This company is a mortgage servicing company. I have not received a resolution to my complaint. I have attached 2 letters to this complaint, to add more information and a sense of urgency for resolution.
On XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXXbut got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of them.
The person managing my account at Alliant Capital pressured me into an agreement that was not fair, timely nor consistent with other pay day lenders repayment plans. I agreed to the payment plan on XX/XX/XXXX due to the insane pressure, however, I decided to use my bonus to take out a loan from my 401K so I could pay all my debt and not file bankruptcy. I called Alliant Capital back on XX/XX/XXXX to  advise them I could not pay the {$900.00} on XX/XX/XXXX but I would have all the money by XX/XX/XXXX to pay the settlement. I also questioned why their settlement was so high asking for more interest and fees removed. I borrowed {$1200.00} and paid {$250.00}. They are asking for {$3500.00}. I kindly asked for a little more time and could even show proof I have requested money from my 401K. I reiterated that it was crucial to withdrawal this money so I could pay all my debts and not file bankruptcy. She was nasty, loud and did not care about anything I had to say. refused to cooperate, threatened me, and would not even consider asking for a little more time. Did not even offer a small payment for good faith this month and I could pay the rest in XX/XX/XXXX when I received my payout. She lectured me, pressured me, accused me. Every other lender I am working with has been more than willing to work with me and be kind. I ask that the company and she be reprimanded for their behavior, stop threatening tactics and be willing to work with the client. Obviously, we are in this situation because we are in a financial hardship. I would rather take a hit on my 401K versus filing bankruptcy. I ask that this company work with me to come to a fair settlement agreement. I'm sure I'm not the only customer who has been treated this way. She should have done everything in her power to work with me. Not lecture me, raise her voice, offer no solution, threaten to sue me, etc.
I was on XXXX 's wesbite browsing and came upon their American Express cash back rewards program. I am a XXXX member and this program is exclusive for members. I clicked on the link and read about the rewards and benefits. At no point in time did any disclaimer pop up or was displayed telling me the relationship between XXXX and American Express would expire in XXXX 2016. I clicked on the link which took me to the application process on the American Express website. Again, there was nothing during the application process on their website telling me their relationship would be expiring. Now the whole point why this program would interest me or any other XXXX member/consumer is because of the rewards and benefits. I had to learn from a friend after the fact I had applied for the American Express card that their relationship would be ending. This is very misleading and unethical on the part of both XXXX and American Express. If either company had made it known on their websites or during the application process their relationship would be expiring soon I would n't have applied. This needs to be done to protect the consumer and so a sound fair decision can be made by the consumer.
I have had different chase accounts for some time now without any issues and always paid my bills on time. Recently I received a notification via a third party app I use that my credit lines were decreased on both of my chase cards. I thought the notification was an error so I logged on and noticed that my limit was reduced just XXXX or so dollars above my balance. This has caused my fico score to crash and my utilization to sky rocket hurting me for no apparent reason. I once again have been late or exceeded my limit but I was punished.