WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX we decided to look into refinancing our current loan with Avant. We contacted the company via their website and phone and initiated the process to refinance. During the process a hard inquiry was performed on our credit. The terms were then supplied to us via the website. The process continues after you accept the loan amount and terms/rates. We accepted the refinance of the XXXX minus a roughly 200 $ administration fee. We were to receive roughly 2600 $ at a 35 % rate. We accepted and started using their website to finalize the information they require. Bank statements, pay stubs, personal information, etc. One of the processes is to " Link your bank account '' which allows the to pull the statements, etc directly. However due to security issues our bank would not allow the connection as it was considered insecure and potentially dangerous. We resolved this by uploading bank statements and pay stubs manually. We spoke with several people regarding the inability to link our bank account and they stated it would not affect the loan. On XXXX XXXX, XXXX we received an email to contact them in regards to further information required. We called in and they verified the information and proceeded with the processing. We logged in to check the status and our loan had been dropped by XXXX . This is after we accepted the terms of XXXX . I sent an email to question this activity and received no explanation. Instead they pushed a denial email to my account and refused the loan. After researching the company we have found numerous cases were they change your account and fixed loans without telling you. I find this a fraudulent practice and would like the hard inquiry removed from my credit report.
XX/XX/2017 I went into a Chase branch in XXXX XXXX, MI to apply for a checking, saving, and credit card. I was approved for the checking and savings accounts, which offered a {$500.00} bonus ( {$300.00} for checking and {$200.00} for savings accounts ) for creating both, provided a few conditions were met : namely, setting up Direct Deposit for the checking account within 60 days and depositing and keeping {$15000.00} into the savings account for 90 days. I made an initial deposit of {$1500.00} into the checking account, and {$15000.00} into the savings account, fulfilling all the conditions except direct deposit, which I was in the process of setting up. The offer stipulates that the bonus would be deposited within 10 business days. 

I began using the account as I normally would for a primary checking account. I made a mobile deposit of {$5.00}, and initiated an ACH transfer of {$100.00} from my old checking account. 

However, just two days later, I received a phone call from XXXX XXXX, the CSR who set up my accounts at the Chase Branch. He informed me that Chase was closing my accounts in the next 10 days, and that I would need to come by the branch in the next couple days to pick up a check for the balance of all my accounts. I was told no bonus would be given, despite me having met the conditions thus far. Conversely, I had no disqualifying behavior according to their terms ( e.g. I had never taken advantage of a previous checking/savings bonus ) Chase breached this contract on their own, is holding {$16000.00}, and should now have to pay the {$500.00} bonus I would have earned if they did not take this action. 

In short, I relied on their promise to pay me a {$500.00} bonus and would not have set up these accounts but for that promise being made. In return, I received nothing and Chase is earning interest on my money while making a false promise. This is unfair and Chase should be held accountable for their promises and advertisements.
I started out owing at the time of my graduation in XX/XX/XXXX around {$38.00} to XXXX in student loans and was unable to pay the debt as I was recently divorced and raising a child making XXXX a year and XXXX wouldn't do anything to help with the payment. I was offered forbearance which didn't last and was forced into collections in mid XX/XX/XXXX under the loan rehab program which I was barely able to pay while being a single parent and finalizing my divorce. In an effort to keep my head above water due to lack of decent paying jobs in my area I continued to put my loans in forbearance and no mention of any other ways to receive any assistance from XXXX only threats to pay or be taken to collections and have my taxes garnished. And over time in XX/XX/XXXX my credit has been poor from these loans and lack of decent paying jobs which I went to school for my loans went from $ XXXX in XX/XX/XXXX ' to owing $ XXXX in XX/XX/XXXX of this year. I have looked into IBR but to have a nearly $ XXXX bump in interest from one month is egregious. And XXXX and it's associates college assist should be investigated for nefarious collection practices and interest hikes on student loans.
Six years ago, I opened an HSBC account for my sister in my name. Initially, things started out well, but as expected, this did not last ; and shemissed payments. As a result, this has reflected poorly on me, and I am left to pay the price. I have since made every effort to fix this account. The account has been transferred to another lender ( XXXX XXXX ), whom I have constantly tried to contact to payoff the account but it has been to no avail. I can not get a response from them. Please advise.
Diversified Consultants continues to call my cell number although I have told them on XXXX occasions that the person they are trying to collect a debt gave them my phone number in error. I have explained that this could not have the person 's number in the past because I 've had the same cell number for over 15 years. Today they called again, misrepresented themselves, and hung up when I told them it was the wrong number. I 'm reporting this company as I can only assume other consumers have had problems with the company.
Th e MasterCard Gold Card, issued by Barclays, provided SCRA benefits for military service members when I applied for the card just over a year ago. As a   XXXX   member, I received these benefits. One of the benefits offered by Barclays was waiving the {$1000.00} annual fee. This fee  was waived for the first year. When I spoke to a customer representative on the phone, I was assured that these benefits, including the waived fee, would last for the entirety of my  XXXX   XXXX    XXXX   service.     A few weeks ago, I received a letter stating tha t Barclays is rescindin g their assurance to waive the annual fee and that I will be charged this fee by  XXXX   XXXX . I called   Barclays and was told that I could either cancel the card or receive the fee.
I plan on canceling the card in order to not be charged the fee, but would like to extend a chance to Barclays to review this practice of making an initial offer to service members and then removing that offer just a year later. This has affected myself as well as ma  ny men and women that I am proud to serve with.
I sent this company my first dispute on XX/XX/2018. This letter had a conditional endorsement notification as required by law to inform the other party of impending cheque to be sent. I fulfilled my end by sending in my cheque and a brief notification to support my intention on XX/XX/2018. 
To my surprise, despite all my effort to notify this company, it still exercised unfair business practices as they went ahead and cashed the cheque and not deleting what we had agreed to be deleted. Furthermore, this company Violated the California Credit Reporting Act by Missing Dispute Comment- They even failed to mark the account as disputed by client. 
My case is already with my attorney. Attached here with are 1. My first letter to the company- my conditional endorsement.

2. My cashed cheque 3. The back of my cashed cheque 4. My small claims form 5. My credit file proof of not marking account as disputed by client 6. My proof of mailing of the cheque
There are two accounts reported by XXXX XXXX XXXX on my credit report ( s ). <P/>Totaling {$3000.00} and {$500.00} each. <P/>The original creditor reported to the credit files is XXXX XXXX XXXX. <P/>I do not have nor have I ever done business with a company named XXXX XXXX XXXX. <P/>When I contacted XXXX XXXX services they said the company was XXXX XXXX XXXX. <P/>When I attempted to contact XXXX XXXX XXXX I discovered they were no longer in business and the current staff does not have any contact info for them. <P/>XXXX XXXX is no longer in business and any claim asserted by them is null. <P/>I have no way to dispute any alleged charges of have a point of contact with XXXX XXXX to get to the bottom of the charges they claim. <P/>All XXXX was willing to do was tell me " That 's what they say you owe. '' This is not a legitimate debt and and it is libelous what they are doing to my credit files.
XXXX XXXX Hospital. Service Date XX/XX/XXXX. 
Indicated patient part due XXXX. Paid on XX/XX/XXXX. 
Never had any documentation or bill sent after that. No phone call, No bill. 
Then on Saturday, XX/XX/XXXX, I received a bill from a collection agency. 
XXXX XXXX XXXX because I had insurance, they said they never received a bill from the above hospital. I have requested by phone and fax that they ( XXXX ) send me an itemized bill, and they have yet to do that. People don't want to do there job, so its just easier to set it aside and wait right before the statue of limitations is about to run out and then turn it over to a collection agency. The bill could have been paid off by now, and not be on my credit report. There are tons of people out on the internet that companies are using the " Parking Practice '', rather than spend time trying to collect it. There should be procedures in place that they have to follow as well. Three times and you're out. Then turn them over to collections.
Last XXXX I received a pre approval letter for a discover credit card I thought that I was applying for the one that they advertise all the time no annual fee cash back I applied and gave them all my info and never heard back from them so I figured that I wasn't approved and went on with my life until XX/XX/XXXX when they withdrew {$200.00} from my bank account I immediately called them and cancelled demanding my money back they claimed that it was too late and that I would receive the debit card in two weeks I already have a debit card through my bank so I went to my bank to despurt the charges and then called back discover to tell them and I. Was told that they would be cancelling my account. But because I had paid bills thinking that {$200.00} was there I ended up over drawing my account and got charged {$33.00} and now I'm in the negatives {$9.00} I need help.
I contacted Equifax concerning in accurate information with a Chapter XXXX Bankruptcy. Equifax stated the got there verified information from a 3rd party enitity XXXX XXXX which was also incorrect. Equifax did not verify the documented information with the court which would have shown inaccuracy with various items. I have supporting official court documents in my possession that show the numerous inaccuracies reported by Equifax. 

I believe they did not do there due diligence in verifiy the information regarding whats being reported by there credit agency. There use of a 3rd party agency instead of the Federal court shows the negilience in reporting verified accurate information.
Chase Bank allowed a fraudulent check to go through my account. XXXX allowed my personal check to be cashed by one of their members and did not see that who signed for the check is not who the check was made out to. Chase, my bank, allowed that transaction, also ignoring that who signed for the check was not who it was made out to. I also blame the person whose job it is to scan the front and back of checks to people 's accounts for viewing purposes, because they even let that go! 

Also, Chase lied and said they have supervisors in the Claims department who can address getting my {$600.00} back by requesting an escalation on my signed affidavit and over the phone. A telephone manager ( " XXXX '' ) today said there is no such process. This was Chase 's fault. It is clear to even a nonprofessional banker that a thief signed their name on the back of a check that is not made out to them, yet I have to suffer 30-120 business days before possibly getting my money returned to me. 

Chase has the proof this is fraudulent. They also have my signed and notorized affidavit. I want Chase to give me my money back now, because it was their error, and they can chase after XXXX for the money. It is the fault of these two corporate banks, not mine!
XX/XX/XXXX XXXX XXXX Hyundai XXXX overnighted my last lease payment of {$490.00} to Hyundai XXXX XXXX on my XXXX XXXX. 
XX/XX/XXXX XXXX XXXX has evidence of receipt of the payment by XXXX XX/XX/XXXX Contacted XXXX  to verify they received my lease payment. They said they did not and to contact them back in " 2 weeks ''. 
XX/XX/XXXX Contacted XXXX to, again, try to verify receipt of my lease payment. They said they did not and to call them back in " 2 weeks '' XX/XX/XXXX XXXX XXXX obtained proof that XXXX cashed the check XX/XX/XXXX Contacted XXXX to verify receipt of my lease payment. They said they did not. I asked them to verify to see if it was not applied to my XXXX XXXX. They said it was not. They said to call back in " 2 weeks '' but got the name of the person of whom to send a copy of the canceled check to a contact person and email address. 
XX/XX/XXXX Contacted XXXX XXXX to obtain a copy of the front and back of the canceled check. 
XX/XX/XXXX Forward a copy of the canceled to the address provided to me on the XXXX from XXXX. 
XX/XX/XXXX Contacted XXXX to verify they received my email with a copy of the canceled check. They did but would not do anything without " more research because they did not know where it may have been posted to '' - again, they said to contact them in " 2 weeks ''! 
In the meantime, I am getting text messages and late notices from XXXX that my payment is due and still can not get anyone to post the payment they have acknowledged getting for my specific account. 
XX/XX/XXXX Contacted XXXX - again, my payment is NOT posted and they claim they have no record of it.
I keep receiving calls from XXXX XXXX XXXX XXXX, a Rep by the name of XXXX. I have no idea why she is constantly call me regarding some unknown debut.
This account was awarded to my ex-wife in our divorce decree ; she continued to charge and paid until : XXXX XXXX, XXXX, she left a balance of : {$250.00} ; her high balance at one time was : {$4900.00} ; she stopped paying, she did not tell me and when I found out, the card was charged off and closed and now I have this account on my credit reports. My divorce was final in XXXX XXXX. The bills were sent to her address, and I can prove when I moved out in XXXX XXXX and I did not live with her, after XXXX XXXX. As of XXXX XXXX, XXXX ; The Statute of Limitation Law protects me as a consumer, the XXXX anniversary from the last payment, this account is no longer collectible, no one can seek legal action towards me. Please help me remove this account from my credit reports, even though it is a low balance, it is affecting my credit.
After a very serious recent bout with XXXX XXXX XXXX, in XX/XX/XXXX I called the management office of a building I had to move out of in XX/XX/XXXX ( due to my sickness and inability to work ) to ask what the balance was that I owed. I was told that " IF '' there was a balance it would be out of his hands and it would have been sent to a collection agency. He told me to call the building 's attorney for that information, so I did. The attorney told me she also was not sure, but gave me a number for the debt collection agency that they typically use. I immediately called that agency and spoke to a supervisor, who informed me that their company had no information on me AT ALL as of that day, and if they did receive anything I would be notified in writing/and or by telephone. That was more than 3 months ago. Today I received alerts from all three credit agencies that I have a debt collection balance of {$7600.00} from a company called XXXX XXXX. To this day I have never received a letter or a telephone call, and yet they have damaged my credit without giving me an opportunity to dispute the debt. Of course this is against the law. As failure to send a written notice of the debt is against the law, and according to the law the collector is required ( within five days of initially contacting me, which was NEVER done ), to send a written notice of the debt that includes : 1 ) The amount of the debt 2 ) The name of the original creditor to whom the debt is owed 3 ) A statement describing my right to dispute the debt. NONE of these things were done. Therefore, I want this trade line removed from ALL THREE of my credit reports IMMEDIATELY, and I would like an opportunity to go over the amount they say I owe, as I also believe that the amount stated is ALSO not accurate.
XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, XXXX, XXXX This is a formal complaint against Wells Fargo Bank. 

My credit and personal information was used with FRAUD purposes by Wells Fargo Bank from XXXX. 

Wells Fargo had settled a law suet for millions of dollars ; I file a clain to be compensated for damages and abuses made on my name and my line of credit. 

1- I call XXXX and made a verbal claim XXXX. on XX/XX/XXXX XXXX I requested a form and was fill out and sent via mail XXXX 

And until this time XX/XX/XXXX, I had not received the financial compensation promise by Wells Fargo Bank, after a settlement was agreed to pay to all costumers for unauthorized use of name and credit to issued false loans on homes, properties, and personal loans. 

All these transactions are still posted iat XXXX XXXX XXXX XXXX courts which had damage my creline record for life.
On or about XX/XX/2018 I received a debt collection notice for Debt Recovery Solutions out of New York, alledging I owed a debt to XXXX XXXX XXXX. 

I researched XXXX XXXX and found that they appear to be out of business so I could not contact them directly. I wrote a letter to Debt Recovery asking for verification of the debt that must include my signature as validation that I had agreed to any such services. First letter mailed on XX/XX/18. 

Second letter to Debt Recovery mailed on XX/XX/18 advising that I had not received any response and to ensure they removed any and all debt collection trade lines from my credit report. 

The few days later I received a response with some computer generated statement as their attempt to validate the debt. 

I sent another letter on XX/XX/18 disputing the validity of the debt again and disputing their documentation since it was computer generated and anyone could have created it and it did not include my signature or any authorization from me for said services. 

I have received no response to my 3rd letter. Debt Recovery has refused to respond to my reasonable demands that they prove I owe this debt. They are harming my credit and my reputation with their trade lines and I should not be obligated to pay something to some third party if they can't show written evidence I agreed to anything. 

As far as I can tell I do not owe this debt.
I received a letter from Citi listing account ending XXXX with Customer Reference # XXXX  regarding submitting a claim for a potential refund before XX/XX/XXXX, today.  I don't have an account with Citi and believe this is a scam of some sort.  Also listed is a Tracking Number: XXXX XXXX XXXX.
I have received 3 calls so far at my place of employment regarding an outstanding debt. I have told them each time to please quit calling my work and send information to my address which they already have. <P/>The place is called Global Solutions and their number is XXXX. I have also noted on my phone at work that they have called several times when I was away from my desk and did not answer.
A 1-2-3 Rewards debit card issued through Kroger by US Bank was cracked again. This time the card was hacked for about {$120.00}. This is the second time this has happened in the last year. 

Last time it took their XXXX division months to resolve the issue. I was told I would receive a refund, but I never did. I called them several times about the refund but only got jack around by customer service. 

After I complained about the compromised card this time, I was locked out of my account. 1-2-3 Rewards customer service is usually rude, they act like they do n't care, and have hinted in the past that the result of the hacking was my fault. That is a preposterous notion! 

I have lost confidence in these people, they did n't resolve the problem in the past, and they were not willing to work it out. I hardly heard from them. 

I would like a full refund of the amount that was on the card before the hacker ( s ) made an unauthorized charge to the card, and then I want to close the card permanently. 

I was a good customer, for a long time, but I can see that they do n't value good customers. I have little faith that I will ever re-coop the funds that where electronically stolen form my 1-2-3 rewards card backed by US Bank, so I will be a good citizen and inform the authorities. 

I trusted Kroger with my funds, they let me down ; therefore the breach in security was not my fault. This happens everyday to people. Gradually, day-by-day, consumers will abandoned credit cards, because they will be tired of getting ripped-off by cyber criminals. 

Avoid all prepaid credit cards!!! BEWARE!!
Incorrect information on credit report far as my Name they have XXXX, XXXX, XXXX. My name is XXXX also they have my address wrong on the report they have XXXX de XXXX, XXXX de XXXX, XXXX del XXXX, XXXX De 1XXXX,XXXX del XXXX,XXXX pa XXXX,XXXX pa XXXX,XXXX de XXXX,XXXX pa XXXX,XXXX pa XXXX, XXXX pa XXXX,XXXX del XXXX,XXXX de XXXX, XXXX de XXXX,XXXX pa XXXX, and my addresss is XXXX De XX/XX/XXXX.
The XXXX dollar corporation Navient Corp. has used confusion, misdirection, and other tactics to make it more difficult for me when repaying my student loans, including but not limited to : 1 ) making it more difficult for me to lower my payments using misdirection and other false information 2 ) cheated me, a struggling borrower ( AND graduate student ), out of a reasonable way to make affordable payments 3 ) Used tactics like transfers, multiple confusing tellers and customer service representatives, and other highly nefarious business practices to increase my interest payments making it seemingly impossible to catch up on paying the principal balance. 

Through constantly switching me from program-to-program, deadline to deadline, and making it as difficult as possible to keep up with deadlines, dates, and other unreasonable business practices this company has a valuation of XXXX dollars in assets. My wife and I take in less than {$50000.00} a year collectively before taxes and expenses. As graduate students it is unreasonable that this company would push so hard and take advantage of our situation when we are somewhat forced to continue training ( schooling ) in order to secure jobs that pay a reasonable way to meet the demands of our currently unforgiving economy and job market. Please do something about this company and put and make an example of a company that simply ca n't have enough funds and assets. Where does it end? XXXX? {$180.00}? Why not XXXX? XXXX? $ XXXX? Please help, I can barely afford to repay loans that deceptively were pitched to me as leading to an education that would ( could possibly.. ) provide me with a secure job and now there are n't any. Hence the plea for help.
l enrolled for USAA Debt Protection plan on XX/XX/XXXX and l clearly told them l am self employed, fast forward to XX/XX/XXXX l lost my business and l could not afford to make minimum payment and USAA denied my application that they do not covered XXXX, they ( USAA ) been charging me over {$100.00} a month for this service. please help, l find this situation to be fraudulent and mis-informed.
Cometity Bank is charging me to much interest. The interest is over the amount of my balance. It is charged on a larger amount. The account has been closed for 2 years.