WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX while buying an XXXX XXXX ticket I responded to a promotion to open a cobranded card advertising XXXX  airline miles after {$750.00} spend in 3 months and another XXXX miles with a total of {$5000.00} in 6 months. During the same transaction I received a second promotion to receive XXXX airline miles after {$1000.00} spend in 3 months. Later in the same transaction I received a third offer to " earn XXXX  bonus miles plus, get up to {$100.00} in statement credits after qualifying purchases with this credit card offer. '' Which was offered to be applied to the ticket I was purchasing at the time. <P/>The card was approved but Citibank and the promo I received was XXXX airline miles after {$1000.00} spend in 3 months. The least favorable of the promotions offered and not the original promotional terms. <P/>I have contacted the bank immediately after the approval regarding the multiple offers and requesting clarification and was told the account was still processing and to call back after I got the card. Was also given 3 different phone numbers to call during the conversation. Have called the bank at least 3 times since receiving the card and am told I did not get more than one offer and that I received the offer I was supposed to get. I did capture copies of the offers while signing up so find the response incorrect and rather misleading.
Chapter XXXX Bankruptcy filed and XXXX in XXXX Chase has been pursuing the debt from XXXX to XXXX Chase even mentioned about granting a loan mod Chase never showed up at creditor 's hearing Chase never contacted or reaffirmed debt Chase has been misleading me for all these years thinking I could lose my home I've tried everything
I owed XXXX medical co-payments that I was told were in collection with Capital Collection Service. ( REF # XXXX ) XXXX in the amount of {$15.00} and the other {$100.00}. I originally spoke with XXXX and asked for some type of information she could mail me regarding the payments for these accounts as the XXXX co-pay for {$100.00} was being sent to wrong address ( which she corrected that day ) I told her I was not working at the time and she began interrogating me and practically " begging '' for a checking account. I said I do not have XXXX and could make small weekly payments and it was mutually agreed upon. On XXXX XXXX I attempted to pay online via their website and an error message popped up that the minimum payment allowed was {$20.00}. BUT my debt is only {$15.00}! So I called them and spoke wth XXXX and she told me the payment must be greater than {$20.00}. I said I will have to save to make the next payment. On XXXX XXXX I called them back to make the payment and spoke with another lady who told me XXXX is new and does n't know what she is saying and the payment has to be {$50.00} so I wrapped up the call and I went on their website and paid {$35.00} with a prepaid card. The week of XXXX XXXX in preparation for my next payment I called them up and spoke with a man who said the payment has to be {$50.00} because of their credit card fees. I said that is not my issue. On XXXX XXXX I go online to make a payment and I get the message " Transaction Failed : XXXX - Declined Do Not Honor Card ( XXXX ). Contact customer service at XXXX for assistance. '' Capital Collection Service manually blocked me from paying online and are forcing me to call them to make {$50.00} payments. There are certain regulations that are very important, and violations of them are worthy of reporting to the issuer or government : A merchant can not set a minimum charge for a purchase that is more than {$10.00}. XXXX regulations prohibit minimum charge amounts. I have screenshots of necessary details stated above and I am willing to take this to court as it violates my XXXX card rights and I am contacting XXXX consumer relations. My payments should be accepted regardless of the amount as I am lawfully paying down my debt. I should not be subjected to unlawful minimums because of their credit card processing fees, that is a cost of business and none of my business.
Two issues. 

1 : on my rewards credit card, I was not accruing points at the amount stated in contract. Took multiple requests for resolution and they only credited a portion. 

2 : when I attempted to redeem points, I could not do so online. Customer service advised that I call in to redeem XXXX points for a {$400.00} credit. I called in and rep messed up the transaction giving me a {$200.00} credit. I was promised a response after the case was opened and no one reached out. After repeated emails, and sharing stated terms of my contract, they will not credit me the {$200.00} difference.
I am a victim of ID Theft. Someone has used my information to open a couple fraudulent loans with USAA as well as filing fraudulent claims using my information. I disputed the debt with USAA and provided the fraud packet as well as a police report outlining fraudsters name, address history, etc. USAA never returns my call. It 's been almost a year since I 've disputed this. They tell me they are investigating and never call back. USAA also sold the debts to a collection agency while I was disputing it. They were aware I said it was fraud and they still sold it. I called them approximately two weeks ago only to be told ( several times ) they would call back in a couple days and never do. I believe they are stalling and not resolving these debts in order to resell them. It 's been well over the allowed 60 days to investigate and resolve this fraudulent debt. These debts are significant and my credit is being damaged. There are XXXX loans XXXX is over XXXX and XXXX is almost XXXX.
As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan is currently being paid on and is current. Santander Consumer USA is maintaining a charge off even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any 10Q filing with the Securities & Exchange Commission. I am a member of the   XXXX   XXXX   that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full.
SANTANDER IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT!!!
I HAVE ATTACHED COPIES OF OUR PAYMENT HISTORY THAT VALIDATES THE LOAN IS CURRENT!!!
SANTANDER MUST ADDRESS ALL MISCELLANEOUS FEES THAT WE JUST RECEIVED!!!
I ASK THE CFPB TO HELP ME GET A FAIR EXCHANGE FROM SANTANDER CONSUMER USA!!!
THIS CREDIT TRAELINE MUST HAVE THE CHARGE-OFF STATUS DELETED IMMEDIATELY!!!
I filed a dispute for a XXXX account that was discharged through Bankruptcy. Bankruptcy was filed in XXXX XXXX and Discharged on XX/XX/XXXX. I did this with all XXXX Credit Bureaus. The only XXXX I am having a problem with is Experian. After they incorrectly updated the account to show a late payment in XXXX of XXXX and changed the Bankruptcy Date on just that account also to XXXX XXXX. So I called and was very polite, but the person would not even try to listen, only file another dispute. This is Experians fault, not XXXX. It is correct on XXXX and removed from XXXX. So I copied the report, circled the false information that is negatively affecting my Credit Score, the False late Payment showing as XXXX XXXX for a account that has been closed since XXXX and included in Bankruptcy in XXXX and discharged again on XXXX/XXXX/XXXX, but they have listed as included in Bankruptcy XXXX XXXX. On the full report it shows my actual Bankruptcy date of XXXX. I asked them to please correct the incorrect information they entered and to PLEASE NOT ADD ANOTHER LATE PAYMENT FROM A DISPUTE and to of course fix the incorrect Bankruptcy date listed only on that account, and to send me proof of the non existent late payment. They just sent me my new, " updated report '', no proof, now showing a late Payment for XXXX of XXXX and they also changed the Bankruptcy to XXXX of XXXX. So basically the issue is they put now XXXX incorrect late payments and XXXX incorrect Bankruptcy dates from a Dispute. I am sorry for saying the same thing over but I want to be sure you understand. They apparently did n't. I had a account with XXXX that was closed in XXXX of XXXX, and included in Bankruptcy filed in XXXX. When I disputed the charge, which again i did with all XXXX Credit Agencies, they were the only ones who listed it incorrectly so I know it is not XXXX doing. It was a mistake that they refuse now to fix. I have worked hard since my Bankruptcy and have no late payments and a Credit Score of XXXX and it was rising. Now they listed a false late payment for XXXX of XXXX and XXXX of XXXX. They changed the Bankruptcy Date first to XXXX of XXXX to now XXXX of XXXX from the true date of XXXX of XXXX. I truly hope to get the XXXX False Late Payments that they refused to send me proof of as there is no late payment anywhere, and correct the Bankruptcy Date. My Credit Score, with Perfect Credit since my Bankruptcy was climbing monthly until they did this and now there false info is hurting my Credit Score and my ability to obtain Credit on my true Credit Standing. I am attaching documents. One I have to do from computer and sorry it is sloppy. The false late payment shown. I again have XXXX late payments and they refused to send me proof that I do. They put a late payment over a dispute. Account closed in XXXX, discharged again in XXXX, they show XXXX with late payment. Sorry. thank you.
The account is closed since XX/XX/XXXX yet they are reporting no payment history yo Transunion which is effecting my credit score. This account should be removed from my Transunion credit report. 

Last Reported XX/XX/XXXXCreditor Name XXXXAccount Type XXXX MortgageAccount Status Closed - TransferredOpened Date XX/XX/XXXXClosed Date XX/XX/XXXXLimit -- Term 324 MonthsMonthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXX Status CurrentWorst Payment Status UnknownDate of Last Payment -- Amount Past Due $ XXXX 30/60/90 Days Late XXXXRemarks Transferred to another lenderCreditor Contact DetailsXXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX
ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX XXXX:XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 
I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Failure to enter the required notice of dispute per section 623. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/2018. How is that accurate? 
There should be no past due on a charged off/closed account yet Experian lists a past due amount of {$2200.00}. How is this accurate? 

There should be no negative payment history on a collection account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate.
XXXX XXXX XXXX sold my loan mortgage to Green Tree Servicing since XXXX XXXX. Then now Green Tree changed their name to Ditech. 
Starting on XXXX XXXX, I paid {$800.00} for payment of XXXX and {$5000.00} which breaks down {$770.00} for payment of XXXX and {$4200.00} for paying extra principle. The billing statement on XXXX/XXXX/XXXX was CORRECT that showed my principle balance was {$87000.00} and the due date on XXXX/XXXX/XXXX. ( See attach ). 
I paid {$770.00} on XXXX/XXXX/XXXX for payment of XXXX. So the current principle balance is {$87000.00} - {$180.00} = {$86000.00} The billing statement on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX were wrong. ( See attach ) I had several phone calls to speak with different representatives to confirm that I did n't pay late ; I did request all my extra money paying to my principal ( {$4200.00} ) ; and my current principle balance was wrong. XXXX is my second language, so I sent email and physical mail to Ditech in order to make sure they clearly understand what these problems are, but it was not completely resolved. Please help and call me any time XXXX for further questions. Thanks in advance. XXXX XXXX.
I am a XXXX XXXX Citizen and XXXX who the victim of a mortgage scam by XXXX XXXX XXXX. This company scammed XXXX XXXX veterans including me. I never signed for a Mortgage, Loan and never attended a Closing but I am facing foreclosure by Planet Home Lending a debt collector. The Government is suing XXXX XXXX XXXX and several banks for fraud in XXXX US District Court. I am one of those victims. I have been to Court for Foreclosure fighting these debt collectors to no avail. I have testified I never signed a Mortgage and never did a closing. These Courts just proceed. I need help to stop these debt collectors from losing my home. I am XXXX, XXXX and a veteran.
I bought a house at XXXX XXXX XXXX XXXX XXXX WA XXXX. XX/XX/XXXX to XX/XX/XXXX I surrendered my rights to Bank of America, telling them I can no longer stay in this house and make the payments. I was in an accident in XX/XX/XXXX and was reduced in hours at work and just could no longer afford living in my house. I believe my last payments was around XX/XX/XXXX-XX/XX/XXXX with missing payments throughout the year. The bills had begun to pile up, so I voluntarily left. I have just recently found out through XXXX XXXX - Sr. Mortgage Consultant/Manager XXXX # XXXX o : XXXX m : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, WA XXXX XXXX, that 5 years later the house is still in my name. The house has not even been foreclosed as of yet and I am still being shown as the owner of record. I would like for you to contact me about my options at this point.
I ca n't understand how my credit is low when I do n't have any debts but it 's showing that I have XXXX different amount of debt to the same company.
I recently had a recent installment loan with XXXX XXXX XXXX. I defaulted and agreed to pay down the loan by XXXX a month. In which the company agreed. After doing so for the past 3 months I received a call from someone at XXXX ; advising me that I am being sued and soon to be prosecuted for writing a bad check. I asked what is this regarding and they advised me to speak to Solidus group at XXXX. I Then called, and I was advised the same thing that I am being sued and if soon to be prosecuted criminally for writing a bad check, I advise the gentlemen XXXX XXXX with Solidus group I never wrote a bad check to XXXX ; I changed my checking account info due to the recent XXXX. Credit and checking acct Hack ; and that I have been in a payment agreement with XXXX for the past 3 months so I am unsure as to why you are threatening me. I advised them that I am in a financial hardship due to paying my grandmother medical bills and I am only able to pay the XXXX in which XXXX agreed to ; I was told that payment arrangement is not acceptable and we are going to prosecute you civil and criminally.I continued to ask repeatedly during the conversation is this a collection agency and the gentlemen refused to answer the question. PLEASE HELP.
My former home is in the foreclosure process. The property has XXXX liens against it - the XXXX with XXXX and the XXXX with USAA. I am trying to complete a deed in lieu with XXXX, but I ca n't until the lien with USAA is settled and released. In my negotiations with USAA, USAA is being slow and/or unresponsive. It is taking them XXXX days to respond to my offers, increasing the likelihood that XXXX will do a judicial foreclosure and USAA will end up with a lower settlement.
Hello, I need assistance with my private student loans. I do not understand how they can be charging me so much and increasing my interest rate without my knowledge. I graduated from college in 2012. I borrowed from XXXX XXXX ( now Navient ) a total of {$30000.00}. To date, I have paid {$21000.00}. My current balance is showing as XXXX. I do not understand how I can owe so much money. My balance seems to never decrease even though I make regular payments. I do n't know that I am ever going to pay off these loans. I recently started trying to increase my payments to try to pay down my debt faster. As soon as I began increasing, XXXX XXXX increased my interest rates and the amount I owe has increased. This is not fair. I try to call but I am never able to get in touch with anyone. I need help. I do not want to default on my loans but I am afraid that will be my only option. I can not continue to make outrageous payments and not be able to decrease my debt.
I do not have precise dates of communications between myself and Equifax, as I did not realize this was going to become such a problem. 

In Spring of XX/XX/2018, I received an unprompted letter stating that my current address has been changed. They stated that my new address was my previous address. This was inaccurate and I had not requested the change. 

I called Equifax to inform them that they had erroneously changed my address to an old address. I spent 30 minutes verifying my identity. The woman on the phone wanted every credit card balance I had and every mortgage payment amount ( I am in investor so I have quite a few ). This required me to log into various accounts to get this information. After she verified my identity, she said, " Please mail a copy of your driver 's license and social security card to <XXXX XXXX> with a cover letter stating the change you are requesting. '' This was a bit irritating, as I had already told her what I wanted, and wondered why she couldn't just take care of it, but I didn't say anything to her about it and did as I was told. 

I considered the matter done. Until I got a letter in the mail stating " The identification you provided does not match our records ... Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number.. '' That's what I had ALREADY DONE. 

On XX/XX/2018, I sent another letter with my driver 's license and social security card. This time I enlarged both documents to take up an entire page and included the original cover letter. I also added a note that said, " This is the third hoop I have had to jump through to fix your mistake. I did NOT request that my address be reverted to my previous address. If you do not change it back then I will submit a complaint to the CFPB. I am taking no further action on this. Fix your mistake. I am done. I hope these documents are big enough for you to read this time. '' Again I considered the matter closed. However, I received another letter dated XX/XX/XXXX from Equifax. It was the exact same letter, requesting my driver 's license and social security card. I have not been able to reach them by phone because they want some claim or file number and I have no idea what that is. 

At any rate, I want to shift the burden from myself to them. Their system made an error and they should put the burden on themselves to fix it, not on me.
I opened a business in XXXX with another person. At that time we opened up a number of business accounts with vendors and banks. In XXXX I left the business and sold my ownership to my business partner. We provided all of our vendors and banks with our documents showing the business ownership changes. I requested that all of the cards in my name be closed and closed the credit line that was in our joint names. 

My old partner continued to operate the business till XX/XX/XXXX/XX/XX/XXXX time frame. During that time he apparently racked up debt he could not afford and he started receiving collection notices. I received XXXX from Bank of America at that time in my name. I contacted Bank of America and provided them with my change of ownership documentation and the lady I spoke with claimed to update the account and never contacted me again. In XXXX I ran my credit report and saw a collection agency was listed trying to collect on the old Bank of America debt. I called the company, explained the situation, and they stated that when Bank of America sold them the debt they only listed my name on the account and not my old partners. I was able to get my old partner to contact the collection agency and agree to pay the debt. I provided the collection agency all of the ownership change forms at the time and they never contacted me again. 

My partner never paid the debt and when I attempted to get a mortgage recently I saw that the debt was still on my account. I contacted the collection company, XXXX XXXX and they said that they would not remove me off of the account because that is how they purchased it. I requested that they contact Bank of America to get updated records because my partner should have been the personal guarantor and they would not do it. They said I had to get Bank of America to provide me that documentation. I called Bank of America to request details on the account. Bank of America said they can see that my partner is a personal guarantor and they have notes in their system that there was an ownership request documented but they do n't have any additional details. They do n't have copies of the change of ownership forms I sent in nor copies of the contract stating I am no longer responsible for the business. They are going to provide me with a letter stating that my partner is a personal guarantor but will not provide me with anything stating that I am not. 

I have also requested documentation from XXXX XXXX and Bank of America, verification of what the debt is. I was not with the company during the years that the debt was incurred so I have no idea what they believe I am responsible for. Neither XXXX XXXX nor Bank of America has been able to provide me with any account statements stating who used the account, what was purchased, whose card was being used and in what amounts. I have received nothing from them. I originally made this request in XXXX and they did not provide it and I 'm making the request again in XXXX and they are telling me they do n't have any of those details. I do n't have chance to dispute these charges if they ca n't provide me with the details on the account.