WillisBack/dataset-financial-user-claim huggingface dataset:
I recently moved from XXXX  to XXXX for work and listed my house for sale. I owe about $ 250K to Chase. It seems the house is worth less and I applied for assistance in XX/XX/XXXX. In the interim we received a qualified offer at $ XXXX. After much aggravation, Chase declined this short sale because my loan is not delinquent. I am no longer able to pay the mortgage and my new rent, and Chase seems more willing to drive me into foreclosure than accept this offer.
Send in a Dispute for written contract and they said it was verified but it was deleted on XXXX that makes no sense to me and I told them and there playing games
Westlake has not been responsive to my requests since XXXX so that I may get current tags on my vehicle. I have made XXXX calls since XXXX asking for assistance and continue to be told it will take various amounts of time for them to get ( sometimes 24 hours, sometimes 2 weeks ). I moved XX/XX/XXXX. XX/XX/XXXX I went to XXXX get XXXX driver 's license and new tags for my car. I was advised that I need to have my finance company request the memo title XXXX, and have them send it XXXX. My temporary XXXX tags expired on XXXX and I am no longer permitted to drive it until Westlake Financial submits the XXXX title. Can you please help encourage Westlake to get the necessary title paperwork XXXX? If I can not work, I can not pay them. 
I called Westlake the following times requesting the memo title be ordered and sent XXXX ( per cell phone records, all times XXXX ) XXXX
Capital One offers a unique program to their customers through their website where a customer can combine XXXX credit cards. The minimum criteria are listed on the web site, with no other terms or conditions about the program available. XXXX of my Capital One credit cards meet this listed criteria. The website tells me I 'm still not eligible. I called capital one and spoke to a supervisor. I was informed that it was a back end decision, and although my cards meet the criteria listed on the website, their system has said I am not eligible. When I asked why, they informed me that even they did not know, and there was no way to find out. 

So on the one hand, I have met all of the criteria made publicly available to consumers. On the other hand, Capital One is saying I have not met the right criteria, and can not tell me why. 

I fully understand if there is criteria I have not met, but to simply be told " You 're not eligible, and we ca n't tell you why '' does n't work for me, and seems more like false advertisement than anything else. If I were to be told exactly why I was not eligible, then that at least gives me something to go off of other than " Better luck next time ''.
Disputes on XX/XX/XXXX and XX/XX/XXXX regarding XXXX. 

I disputed an account that does not belong to me 3 times. I asked for the investigation results to be mailed with the evidence showing that this is my account. 
I received a letter explaining how they will update my information to reflect my name, address and phone number but nothing showing how they came to their conclusion. The phone number, address, and name is not me. I ask the credit bureau to send me the results with evidence but nothing was provided to me. They keep disregarded my requests every time I called to inquiry. 

I kept asking the Credit Bureau to show me my signatures of any contract with XXXX. They refuse to send me anything. 

The name, phone number, address is incorrect and they will not mail me the evidence they obtain to come to their conclusion.
In XXXX, our family " bundled '' our XXXX wireless and internet accounts. In XXXX 2016, XXXX internet send us notice our service was canceled due to an unpaid amount. This amount included the XXXX wireless service, which had been paid in store. XXXX internet sent us notice we still owed over {$500.00} for the internet, even while our bill never was more than {$50.00} monthly ( we were also not 30 days late ) for the service. XXXX internet then sent us notice of their collection for the entire amount, even though they admit they could not verify their claim. 
XXXX internets improper, ilegal collection activity has complicated and limited our ability to obtain a home mortage.
I have been submitted to the company ( 4 ) 609 letters requesting that the account be verified- that they never did- or remove immediately- that they never did as well - and this is against FCRA.
XXXX of XXXX XXXX, XXXX XXXX, South Dakota which comes back to XXXX keeps pulling my credit report several times within a few weeks. I have not applied for any products with this financial institution and do not have any and have never had any products with this financial institution. This is on my experian credit report file.
A hard inquire was made to equifax from a company called XXXX I disputed. equifax states that the information is correct and advises me to contact XXXX office to get more information .I contacted XXXX ( AKA ) XXXX they advised they had no record of the inquire and refuses to send me a letter of proof that i in fact did not authorize or request this inquiry.
It seem like XXXX is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XXXX claim that I own them money. I really believe that XXXX being discriminated against me because I'm a XXXX male. XXXX have not given name and address of the original creditor. I am requesting XXXX to please stop trying to collect money on a false account and stop putting false information on my credit report.
I was contacted by debt collector, Rauch-Milliken International ( RMI ), Inc. in XX/XX/XXXX regarding a disputed account. I asked my attorney to respond on my behalf. On XX/XX/XXXX, my attorney responded on my behalf. RMI did not respond to my attorney 's letter. 
On XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX, a representative from RMI called and left a voicemail regarding the same issue. Furthermore, I received a letter from RMI dated XX/XX/XXXX. The letter threatened, " to avoid the possibility of asset attachment, including the seizure of ALL bank accounts, inventory, accounts receivable, etc., please contact this office immediately '' ( capitalized for emphasis ). 
I believe it is improper for RMI to be contacting me directly when I am represented by my attorney. RMI never responded to my attorney 's letter dated XX/XX/XXXX. This direct communication is an attempt to bypass my counsel and to intimidate me into settling the issue.
IN PREVIOUS COMPLAINT REGARDING USAA FEDERAL SAVINGS BANK ( FSB ),  THEY ALLEGED THAT THE ( FSB ) DID NOT RECEIVE SUPPORTING DOCUMENTS TO DISPUTE A CLAIM OF AN OUTSTANDING BALANCE OF THE ACCOUNT IN QUESTION. I HAVE ATTACHED MY BANKING STATEMENT FOR THE AMOUNT OF {$490.00} DATED XXXX XXXX,2011. AGAIN, MY PERSONAL BANKING STATEMENTS WILL CONTINUE TO SHOW THE {$490.00} AS WELL AS THE {$7700.00} WHICH REPRESENTED THE PAYOFF OF THE LOAN. ALSO, THE CONFIRMATION FROM MY PERSONAL BANK AS STATED IN THE ( FSB ) RESPONSE.
Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. XXXX increased my student loan payments from {$60000.00} to XXXX  XXXX with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family. 8. I am a XXXX  veteran that is requesting full forgiveness or discharge of all of the reported student debt.
In XX/XX/2015 I was charged {$620.00} by XXXXXXXX XXXX XXXX.
I have reached out to New City Funding Corp to request copies of all contracts that were obtained in my name. Under the FCRA these creditors are required by law to provide documentation and notice of these accounts. I have called, sent multiple letters, and send multiple fax. I have not authorized this vehicle loan to be placed in my name and request that they be removed immediately or I will seek to pursue legal action.
I bought a XXXX/Hyundai Elantra Limited Edition for {$15000.00} on XXXX XXXX, 2015. However, at the time it was listed for {$12000.00} at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
They said the reason they charged extra {$3000.00} for it because I have poor credits, possession fee, etc.. and the car is a limited Edition. I later on found out that the car is not a Limited Edition. I do n't see the possession fee listed on my receipt either I feel I got cheated/scammed. The car also has some periodic rattling issues after the warranty expired which is a month ( the warranty coverage was good for only one month! ). I wanted to switch the car for a better one but the dealer said in order to do that I must improve my credit score in six months. 
After 2 months passed by, they later told me that I could only trade-in the car instead of switch for the same value. They only gave me XXXX set of car key ( suppose XXXX sets ) and they did not send me the registration sticker until I complain about it ( the temporary one was about to expired ).
I was a victim of identity theft and noticed a collection from CAVALRY PORTFOLIO SVCS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CAVALRY PORTFOLIO SVCS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I was advised to contact you because I feel my mortgage company is not treating me fairly. I am paying a XXXX XXXX dollars a month for PMI insurance, and it seems to be very difficult for anyone to help me to get out of paying the PMI. They wo n't speak to me they wo n't give me a contact number, they 're making me put my request in writing which I 've done a couple times now. They are telling me that there 's no way I can get rid of my PMI insurance by using fair market value of my home and then I have to do a major home improvement in order to get rid of my PMI insurance. I am certain that I have enough equity in my house to have the PMI insurance waved however they will not help me get out of that insist that the only way I can is if I invest money into my home as in A major home improvement. I was advised by someone from another financial institution that this does n't seem right I feel I am being trade unfairly, and that maybe you can assist me
I applied for a refinance of my home mortgage to lower my rate with a credit score over XXXX and excellent debt to equity ratio. My mortgage payments have never been a day late. My net worth is high. I was told it would take 9 weeka Now almost 5 months later still no approval. I am XXXX XXXX and feel this is discrimination.
Recently I purchased a property and locked the loan through PNC Bank XXXX XXXX, XXXX XXXX ( Mortgage Loan Officer ) - NMLS ID : XXXX. I quoted the loan with XXXX XXXX on XX/XX/2018 and he promised it can be closed on XX/XX/XXXX. I thought it is perfect timing because my lease ending date is XX/XX/2018. However, it is a mistake to decide to work with XXXX and XXXX. Their irresponsible promise and carelessness service made me into very stressful situation and caused me a loss of {$960.00}. 

Starting XX/XX/XXXX I begin to submit materials requested. The loan processor I worked with is XXXX XXXX, NMLS # XXXX. For any materials he requested, I submitted to him promptly. He promised the close date is XX/XX/2018 until XX/XX/2018, he told me because the confirmation of my XXXX status, he could only submit he project review on XX/XX/2018 and my loan would be delayed to be closed on XX/XX/2018. 

At that time, I already give notice to the landlord which means I must move into the property on XX/XX/2018. 

However, I trusted him I can still move into the property though it is inconvenient to me. In addition, my parents is visiting me from XXXX and we planned to be on vacations during holidays. 

After that, he kept on telling me everything is on track and we would be close on time until XX/XX/XXXX, he disappeared. He responded the next day and told me the bank wouldnt close the loan and the bank would not be responsible for any expense of hotel. He kept on lying to me he could cancel the loan or the loan would be close on this date and that date. 

Because his dereliction of duty, I have to pay {$120.00} a day to live in hotel for a total of {$960.00}. 

The delay ruined my entire holiday plan. I canceled the trips to south California because the loan wouldnt be closed. I would not go with PNC if they have told me the timeline in the first place. I think the whole practice is against UDAAP. 

Besides, XXXX promised to provide the project review copy but he did not. He again lied to me.
Experian charged me a monthly fee for over 8 months ( {$21.00} ) for a service I didn't request. They claim that I gave them authorization to charge my credit card monthly, after signing up for a {$1.00} promotion on XX/XX/2017. If I didn't cancel the promotion within 7 days they started charging me the full monthly amount. I never received updates via email letting me know how my credit was doing so I wasn't aware I was being charged. Yesterday, XX/XX/XXXX, I looked at my credit card statement and noticed a pending charge of {$21.00} from Experian. I went back to see how long this charge has been hitting my account. I saw monthly charges starting in XX/XX/2017, and realized that they'd been charging me monthly since then- that's over 8 months! I did not authorize these payments - the only charge I authorized was for {$1.00} back on XX/XX/2017. 
When I finally got through to an Experian customer service rep, they said they could only refund the current month 's charges - XX/XX/2017.  They said that by authorizing the {$1.00} promotion, if not canceled within 7 days, they would continue a monthly charge of {$21.00} to my credit card. 
I'm disturbed by this practice, along with the fact that to cancel the membership I had to input my social security number on the telephone, instead of asking for an account number as a reference. I feel taken advantage of financially, and am angry about their lack of transparency and communication. It just felt sneaky and predatory.
XXXX XXXX continues to run my credit regardless of the credit freeze on my social security number. I have gone to the local police but they can not have the credit inquiries removed from my Trans Union credit report, nor can they do anything in regards to my stolen social security number. Please remove ALL XXXX XXXX inquiries from my Trans Union credit report. I was told these are BLOCKED but that is NOT TRUE. These inquiries are CLEARLY on my credit report and need to be REMOVED IMMEDIATELY.
My son, was staying with me temporarily after his XXXX. He was also in a XXXX doing very well, ( I thought ). A couple of times I let him use my debit card, I was ill, but I always changed the pin # afterwards. But this time he found my new pin # and card and used the ATM to access approx {$570.00} from different atms, in increments of {$60.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, plus overdraft charges. Some more overdrafts charges since I have typed this complaint. If i have not made a deposit by a certain date, I am charged a extended overdraft charge. I just keep getting in more and more debt. My record with firstmerit has always been good to excellent. I recently paid of {$3500.00}, owing 1stmerit {$20000.00} of this amt. I paid the off in 5 years, which I could have just filed bankrupcy, never late in payments. Firstmerit have made mistakes on my mortage payments. 
paying home insurance to XXXX different cos for a year. Could have used that money ( XXXX ) they did pay me back. I have all my bills automatic debited. I have been trying to call them all to not submit the payments now. As of now my acct is over {$1000.00} in deficit and keeps going up and up. 
Right now my son is no longer with me. He 's staying at homeless shelter. I try to remember hes has a sickness. I do know that I have a hard time remembering pin numbers and afer I received a new pin # I misplaced within 24 hours. The customer serv said I do not have to have pin # inorder to use the card. Thats what I intend to do, not use a pin #, much safer. Now, I cant say for sure that I misplaced Pin # or he found it. I have decided to not use a pin # at all. I know I do forget my pin # or misplace it. 
Thanks for your help. I dont get another chk until XXXX/XXXX/15. The overdrafts will take up all ( XXXX ) deposit. More overdrafts charges. 
I 'm retired on a fixed income. 
Thanks good bye
To Whom It May Concern, On XXXX 2015, I accepted a retention offer for my Citi AAdvantage Executive World Elite MasterCard of {$250.00} to offset the {$450.00} annual fee. The offer stated that I will receive a {$250.00} statement credit after I spend {$3000.00} in eligible purchases each month for the next three months. Please see the attached letter for the confirmation of the offer. I proceeded to spend {$3100.00} on XXXX XXXX, 2015 and {$3000.00} on XXXX XXXX, 2015, as indicated by the attached XXXX and XXXX 2015 statement with the corresponding dates and purchases highlighted. In the first half of XXXX, I spent {$3300.00} as indicated by the attached XXXX 2015 statement with the total purchase amount highlighted. Since it has been more than two weeks since I completed the offer and I still have not received the statement credit, I called Citi customer service today ( XXXX XXXX, 2015 ). 

I told the first agent my problem and she reviewed it and then briefly mentioned that I did not meet the purchase requirement before transferring me to another agent who could help me. The second agent confirmed, took a look at my account and mentioned that I should be receiving the statement credit in two to three weeks. I brought up my concern that the first agent mentioned I did not meet the purchase requirement. The second agent reviewed the purchase, did some calculation and came to a conclusion that I did not meet the purchase requirement. After pointing out the purchases I highlighted in the statements, the second agent mentioned that the calculation is done by " periods of 30 days '' ( e.g. XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, etc. ). 

I disagreed with his assessment considering nowhere in the attached offer letter is written the calculation would be done using that methodology or period. Any reasonable person would interpret the written offer as " spend {$3000.00} each month for XXXX, XXXX and XXXX to receive {$250.00} statement credit ''. In fact, the letter is dated XXXX XXXX. The second agent was adamant about his assessment and we were on a standstill. He tried to " meet me halfway '' by offering {$100.00} statement credit but I did not feel it was fair and rejected his offer. 

Please assist in resolving this issue. 

Thank you.
I was first alerted to a credit fraud problem when I was unable to access XXXX of my free annual credit reports. XXXX said I had already received my report, which I had not even attempted this at the time. I then attempted to get my free annual credit report through Trans .... and was unable to answer the identity verification questions. I was ; however able to access the XXXX other credit report which listed numerous upon numerous, mostly medical care bills in default that I have never been notified of existing. I already requested a fraud alert to be placed on my credit accounts ; however am still unable to access them to review of any other fraudulently activity. I have also recently been a victim of identity theft as XXXX of my bank accounts alerted me of fraudulent activity which absolutely proved to be the case. This is not the first time I have been a victim of identity theft and even have identity theft coverage ; however they have not proven to be worth the money spent on them. What exactly are the steps I may take to finally resolve these issues and finally correct my credit report?
i am being called by MRS BPO every day. a machine makes the call. i am not the person they are looking for. it is the person who used to have this phone number. 
there is no way to get them to stop because the machine circles around and around. i have called their main number where the operator says she can not help me and transfers me to a number where nobody answers. please make them stop. when calls for the same person were made by human beings, i was able to convince them i am not the one who owes the debt. can not get the machine calls stopped.
XXXX/ XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXXXXXX Inquiry XX/XX/XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX ' XXXX Inquiry XX/XX/XXXX Unathorized Inquiries need removal asap.
One day after payment due date, rhe incessant collection calls begin ; home, cell and work, starting XXXX through XXXX, Monday through Sunday, robocall after robocall. I am currently 10 days late on my regular payment and I must have received 50 or more calls, with voicemails.
* My complaint is with XXXX XXXX XXXX for filing a negative post to my credit report and never letting me know that they had purchased this dispute. I have filed a dispute with XXXX on XX/XX/XXXX. Complaint about negative posting on XXXX Credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX. Phone XXXX. See copy of credit report below. This negative posting was opened XXXX according to the information of the credit report with a Balance of {$220.00} on XX/XX/XXXX. The credit report notes that this is On record until XX/XX/XXXX I received no prior notice via US mail or phone call or voice mail from XXXX XXXX XXXX before this was placed on my credit report. This dispute started in XX/XX/XXXX due to incorrect medical insurance coding on the part of XXXX XXXX XXXX XXXX XXXX my insurance provider at the time. I was advised me not pay any invoices until the coding was corrected. The next billing statement from XXXX was in XX/XX/XXXX and still incorrect. See copy of letter dated XX/XX/XXXX. The XX/XX/XXXX bill was still incorrect and I called XXXX and XXXX billing on XX/XX/XXXX. See copy of invoice and notes of call. XXXX told me I did not owe anything on this account with XXXX and that their insurance coding was still incorrect.
On XX/XX/XXXX, I submitted basic personal information and income on XXXX for the purposes of refinancing an auto loan. 

During the process, the online service asked me for the last 4 digits of my SSN. Also, it stated this was not a hard pull of your credit and wouldn't affect your score. 

Since submitting my information XXXX ( loan service provided affiliated with XXXX ) has sent my information to banks and they are hard pulling my credit. 

I have called the banks which directed be to contact XXXX which in turn directed me to contact XXXX XXXX. They admitted that it says that in the process but in the XXXX XXXX XXXX, it says they sell the information to external vendors who with basic personal information and the last 4 digits of my SSN, retrieve my full SSN and start applying on my behalf. 

This is completely deceptive practices and adversely effected my credit. I am hoping the CFPB can step in and resolve this terrible practice.
I have tried to get my free annual credit report from Equifax on XX/XX/2018 which is more than one year from the last report. I have tried using every web browser but I can not get this report, I am told that I would have to mail a substantial number of documents to them rather than receive the free report available online from the other report agencies.