WillisBack/dataset-financial-user-claim huggingface dataset:
Applied for a lowes credit card on XXXX XXXX 2015 and was not approved online. I filed a complaint with the XXXX against Lowes and was contacted by Lowes executive department. They said that they would contact the bank and said that synchrony would contact me within 30 days. Nearly a month passed by and I heard nothing I was supposed to get a response from lowes in regards to my credit application within 7-10 days but I did not hear anything from them until the XXXX of XXXX. They declined my application but the issue was that it to them more than 2 weeks just to tell me that. And the biggest issue here is that when the denied me they provided me with my credit score which they stated according to XXXX was a XXXX on XXXX XXXX. That is incorrect and wrong that XXXX would report a lower credit score to decline an application. I have verified through credit karma and credit tracker through my current score is in the high XXXX 's around XXXX according to XXXX. I asked the Lowes executive office numerous times that they need to get a response from synchrony and I did not hear anything from them until last week when I got a letter in the mail that had my correct address on it but the time stamp blacked out in crayon in the front and back. It is very suspicious that they would do something like this and falsely report my credit score nearly XXXX points lower than what it actually is.
I purchased a car from AFS Acceptance approximately 2 years ago. After numerous conversations with them and some unethical statements said to me by their retention " specialists '' I chose to do a voluntary repossession. The account has been closed and they have done a " charge off '' on the account. However, I keep getting credit reports that they are continuing to increase the amount of the past due balance even though 1. I do n't have the vehicle, and 2. I 'm sure they sold the car and got something for it at auction. I never received anything from them after they took possession of the vehicle stating that they sold it and how much they got for it and how much do I truly owe on the account. This type of company needs to make sure that they get their information corrected.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Receivable Solutions XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Account # XXXX I dispute the {$220.00} that has been turned over to you for collection from XXXX Hospital XXXX and all past bills turned in to you for collection. I have been consistently been harassed by phone calls and rude unreasonable people regarding this matter. 


Your letter dated XX/XX/XXXX does not indicate what these charges are for by item. I have no record of any rejection by my health insurance company, ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX ). 

Please provide me with the following documents : 1. Proof of submission to my health insurance company. 

2. Proof of my health insurance denial of coverage of this and all past items submitted to you for collection from XXXX Hospital XXXX. 

3. Itemized explanations of all claimed past and current bills turned in to you for collection. 





Thank you, XXXX XXXX XXXX The above is a copy of a certified letter sent to Receivable Solutions. They have not responded with any of the information I have requested. The protest and request were made within the legally allowed time to avoid having this placed into collection. They did not provide the information as legally required and placed this into collection which I have been informed is illegal!
The following telephone numbers reported on my Trans Union credit report arent not my telephone numbers and dont belong to me : ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX. The following employment data reported arent mine and dont belong to me : XXXX, XX/XX/XXXX  XXXX XXXXXX/XX/XXXX
Due to me losing my job i turned in the keys to my old apartment I knew that I could not afford the place any longer me and my child have to go from home to home of a few friends until I was able to get back on my feet once I got back on my feet and I had a stable income I had to get a private owner do to the Judgment of my old apartment being on my credit as soon as I have stable income coming in I reached out to the old apartment to try to set up some sort of payment arrangement on the remaining {$700.00} balance that I left them with they then let me know the account was with results Unlimited I reached out to results unlimited to set up some sort of payment arrangement when I called them they told me my balance was over {$1000.00} and between XXXX {$40.00} or so due to the interest that was added Now the account has not even been in collections that long to have that much interest on it they wanted me to pay the balance in full or set up some big settlement that I could n't even afford at that time I gave results unlimited my address my workplace and my personal information because at this point I 'm not trying to hide I want to take care of my debt I was told I will be called in regards to a payment plan before I knew it I receive a garnishment letter to my address I 've been garnished for a balance of {$1200.00} on a {$700.00} judgement against me for an apartment .I paid {$1200.00} through a garnishment through the courts to results Unlimited now that I assumed my balance was paid off because that was the balance I was told that I owed originally I was told that I had a much lesser balance I called about 5 months later my balance is at {$1200.00} I attempted to file bankruptcy to clear up some of my dance I decided to not go through with the bankruptcy and try to just clear up my credit report my judgement against me for this old apartment was {$700.00} although results unlimited was trying to collect almost double that amount allowed for garnishment to go through it instead of continuing with my bankruptcy now that the garnishment is paid I am now being we garnished again for the same exact bill that I had before it 's now a much less her balance XXXX and {$23.00} or what they 're asking for now stating that a {$600.00} credit was applied to it and there 's lawyer fees and court fees now added to it. Through this whole process I have already lost a home due to the garnishment being last minute I was n't aware of it ahead of time so that was my rent money that was taken out of my current income this forced me a single mother to move into a room and board with my child I know this sort of thing does not concern collection companies that it 's just it 's about doing it the right way as far as notifying people and as far as me trying to rectify what I did by paying the balance it but now for me to be sued on the same balance twice is unethical I know there has to be some sort of law against this with my consumer rights this has to be against the fair debt collection practices.
I never received any notice I had this dept it just showed up on my report. This was paid by the fallen and wounded soldiers fund and never should have even went into collections. Please fix.
They have failed to work with me period. I cant afford the payments and all i get is threats and no help. They are naveint
Re : Santander Consumer Finance Since purchasing a XXXX GMC Envoy from Santander Consumer Finance 's Road Loans in XXXX XXXX, Santander 's records document 33 payments received on the account totaling {$9600.00}, and only {$1300.00}, or four partial payment amounts, were applied to the principal. I did not understand or believe it is legal to offer interest only loans. This loan forces me into a perpetual cycle of debt that I can not afford to continue. I am XXXX years old and no longer able to drive the vehicle or pay it off. The vehicle can not be sold because the current value is approximately {$2500.00} and the balance is over {$12000.00}. The original purchase price was {$12000.00} with an interest rate of 26.29 %. I notified Santander in writing on XXXX/XXXX/XXXX of my wishes to voluntarily surrender the vehicle, provided an address for them to have the car picked up, and gave them contact information for my daughter so they can retrieve it. Santander has not contacted my daughter to pick up the vehicle per my request. My daughter also contacted Santander on my behalf to ask that they pick up the car and she provided the address as well. I also informed Santander to stop all communication with me and with my address about this debt. 
I would like the CFPB to : 1. Assist my daughter with surrendering the car to Santander. 
2. Investigate my complaint and notify me to confirm that interest only loans are legal. 
3. Provide me with my options to dispute Santander 's practice in my case. 
Thank you.
I filed a dispute with Chase XXXX about a contractor who did not and would not complete work that I paid him for. After filing the dispute, with photographic evidence, detailed descriptions of work not completed, letters from the subcontractors who were working on the job confirming the work was not done and invoices from other contractors we had to hire to complete the work, Chase XXXX still sided with the merchant on the matter. Chase sited that the merchant, with NO EVIDENCE, stated that they completed the work and I was satisfied with it, that is it. that is all they had to say to win the dispute. Needless to say, if this is the way Chase backs their customers, NO ONE should do business with Chase, ever. It is pretty much a CC with no protections for their consumers and customers.
This is with XXXX XXXX XXXX in XXXX XXXX California. 
I 've been with Hyundai for over 6 years and I 'm leasing a second car now through XXXX XXXX. On my first lease I had over millage and I was told that I would receive by mail an itemized breakdown of the over millage, which I never received. Hyundai claimed they sent a letter and called me, and I never received either. Unfortunately, I found out through my credit score notifications I was past due on a payment. After I notified Hyundai to dispute payment about not receiving the bill they were rude with poor customer service. I 've wrote letters to all credit bureaus and Hyundai. I 've payed the bill and now my credit score and report is ruined. Im always on time with my car payments and never missed a payment so this is clearly an error on their end. Hyundai was sending the over mileage bill to the wrong address so therefore they should provide a Good Will letter to say I 'm in good standing with payments so it 's removed from my credit report. I also checked my online account and billing address, which had the correct address. I will never lease or purchase another car from Hyundai again due to what they did to my credit report.
Capital One mislead me and then lied to me about bank account opening bonus and is now refusing to honor the offer after I have met all the requirements for it Capital One advertised this offer XXXX and I applied for a new account recently and set up my direct deposit etc and met all the requirements for the bonus. 
I called today to check on the bonus and they are now telling me that I am not eligible for the bonus. They put out these advertisements out there and then refuse to honor them. When I opened the account, I read all the fine print of the offer and it had no language regarding there saying that it is for specific people only. They ca n't put out these offers and then deny people the bonus when they have gone through the effort of opening the account and setting up the direct deposit, etc Now they have added this to the fine print but it was not there earlier " If you did not receive an email or mail piece directly from capital one 360 with the above code, you are ineligible for this bonus offer. ''
I ordered a new trailer to be built in XXXX 2014 from XXXX, XXXX, NM. The trailer was not delivered until the end of XXXX 2014. During that time, the dealer, confirmed that my credit rating did not change XXXX times. Equifax is listing that as XXXX different hard inquiries when it should only be XXXX and has lowered my credit rating.
The politically, recklessly and knowingly '' closing HSBCs direct Deposit Acct ends in XXXX ( bankcard ends in XXXX ) and Acct ends in XXXX ( bankcard ends in XXXX )
I am disputing account number XXXX with IC Systems because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted IC Systems to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. The account is also being reported as having a credit limit when according to the Credit Reporting Resource Guide & Metro 2 standards, credit limits only pertain to charge cards or revolving credit. Not collection accounts.
I 've been disputing an account with XXXX XXXX for approximately a year now and have been sending required documents to them regarding an account that they listed on my Experian credit report as a {$270.00} charge off. After providing them with receipts they finally removed the charge off from XXXX of the XXXX credit reports. ( XXXX and XXXX records have been updated ). After several attempts, I still can not get Experian to update their records. A rep from XXXX has already confirmed that they have sent the updated info to Experian but the charge off still remains on my credit report 6 months later.
I recently again submitted a inquiry dispute with equifax stating that most of the inquires i did n't authorize and I want them to reinvestagate due to several alerts from my XXXX that my information is being sold on a XXXX market website. Well on XX/XX/2016 I was sent back XXXX reinvestigation results stating that the inquires were of factual record of file access and if I believe it was unauthorized to contact the creditors which I have done once again I was told by a majority of the creditors in order to dispute the inquires I would have to redispute them with equifax and equifax would send information to the creditor to start a dispute. I recently contacted equifax XXXX Thursday, XX/XX/2016 and spoke with a representative ID # XXXX and she explained to me that equifax does not dispute inquires even tho equifax website says it does and allows consumers to dispute. EQUIFAX has been misleading with this information therefore I would like to have this consumer reporting company investigated due to false and misleading information and allowing incorrect information to be put on a consumers report without acknowledgement and authorization
I have American Express Serve card. They give you an unnecessary hard time in disputing transactions, and they have every reason to, because if they give you your money back, whatever percentage the merchant has to pay for using their card, they do n't get paid if they give the money back! 

XX/XX/XXXX, I disputed XXXX charges : XXXX from XXXX, in which I signed up for their hot spot service through their automated system, which did not state the charge is not refundable. They only tell you this after you are charged ; then, they say it is in their terms of service, which was never mentioned in the sign-up process nor do you get a website to go to to read the terms of service. This is fraud, because I am not be given the right to make an informed decision. 

XXXX charged me {$50.00} on XXXX/XXXX/XXXX. 

I made a purchase at XXXX and was charged {$36.00} on XXXX XXXX, XXXX, under XXXX. I returned the product and though the seller has a refund policy, but she will not give me my money back. 

I called Serve in XX/XX/XXXX to put both items in dispute, which was done ; however, the representative did not tell me to expect an email from American Express. As a result, they sent me an email but because I was not expecting them, as the representative did not inform me they were coming, the cases were closed. 

I am currently on hold with Serve trying to re-dispute those charges, and they have the audacity to be telling me essentially too bad : Though WE messed up, you 're not getting your money back. I spoke to XXXX, a supervisor, who is now telling me, 60 days have passed and we ca n't dispute the charges. Both of these charges were disputed in a timely fashion in the beginning. 

Serve XXXX, but they want to penalize me. 

Serve needs to be investigated and fined, because I am sure I am not the only customer they have done this to. 

All these Serve rep 's gave me the same excuses. I have been on the phone for 2 hours trying to resolve this. This is ABUSE and UNACCEPTABLE! Serve is stealing my money, because by keeping my money, they stand to profit! 

- XXXX - Account Specialist - XXXX - Account Protection - XXXX - Customer Service
I have attempted to file this claim directly with the organization involved, Kohl 's, but they have refused to take action. I was coerced under false pretenses to sign up for a Kohl 's charge card. A sales associate came around while standing in line and asked if I would like to sign up for a Kohl 's charge to receive XXXX % off. I was aware of the Kohl 's policy regarding certain exceptions about items. I inquired with the associate if there were any exceptions regarding this item, she informed me that there were not. Immediately after, I inquired if I signed up and was approved for this card if I would be able to use a personal credit card other than the card I was approved for. They acknowledged that I was able to do this. I was walked over to a separate register and applied for the card and was approved. She rang up the item and the discount did not apply. She said that was her mistake and acknowledged I asked if there were any exceptions and that a manager would very easily be able to correct this problem. After approximately XXXX minutes, an assistant store manager arrived and advised that this was an exception and I would not be able to honor the discount. He was informed by the employee that this was promised to me and he continued to advise he would not honor it. I also informed him that I was told I could put this on my personal credit card. At this point he went off the deep end and became extremely aggressive and began yelling at me. I told him that as my credit was already run and it would affect my credit score so I would like XXXX of XXXX resolutions, either remove the credit check from my credit history and charge me the full price, or authorize the discount and let me use my personal credit card as promised. The store manager ( named XXXX ), refused to do either of this and began yelling. He told me that I had XXXX of XXXX options, either be forcibly removed from the store by security or put the item on my Kohl 's charge card with a discount. Intimidated and scared, I agreed to put it on my Kohl 's charge card under duress.
A Perkins loan through XXXX College went into collections. 

I have been paying my student loans and was unaware the Perkins loan was handled by a different agency. The school and the collectors, claim they contacted me with the last known address, in XXXX, New York. However, that address has not been my address since XX/XX/XXXX ; per my drivers licences. At that time I was still attending XXXX College and they had my updated address. This is evident by the request for donations they sent me after my graduation in XX/XX/XXXX and the address to which they delivered my diploma. In XX/XX/XXXX-XX/XX/XXXX I updated my address to my current address and continued to receive alumni information and request for donations from XXXX College. 

A couple of weeks ago, I received a call from a debt collector about the Perkins loan. The collector informed me the loan had gone in default within the last 24 hours and they were calling to confirm my phone, address, and the loan. All of that information they had. 

I believe XXXX College, and the companies acting on their behalf, failed to make a responsible effect to contact me regarding my loan.
On XX/XX/XXXX I requested my credit report and noticed I had a charge off balance of {$530.00} with XXXX XXXX. I contacted XXXX which was the company who purchased this debt from XXXX XXXX and they provided me with an installment monthly repayment plan of {$210.00}. I made three payments one was made on XX/XX/XXXX ; the second one was onXX/XX/XXXX, and the last one was made onXX/XX/XXXX. After this, I received a letter from collection agency stating this debt was paid in full in the amount of {$620.00}. I proceded to send TransUnion evidence of the payment in full for this debt and requested them to correct my credit report for this debt to be paid in full. TransUnion sent me a letter indicating this account does not appear on my credit report, but it still is being reported as past due and charge off with a balance of {$530.00}. I request your assistance in this matter, since this account is adversely affecting my credit score.
I'm in receipt of a Shellpoint trial mortgage modification agreement dated XX/XX/XXXX. 
I received this document by mail XX/XX/XXXX. The agreement doesn't provide the terms of the agreement, such as the mortgage payment excluding the escrows for property taxes, insurance, interest rate and number of years the mortgage is being modified. I called Shellpoint several times I spoke with XXXX XXXX, and XXXX XXXX, customer service they advised I wouldn't know the terms of the loan modification until I complete the three trial payments and they refused to transfer me to the loss mitigation dept. or transfer me to a Supervisor. There is also a pending property foreclosure sale for my property set for XX/XX/XXXX
I am in the process of purchasing a home. I pulled my credit report only to find over XXXX credit inquiries on my report, XXXX collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien XXXX.
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, as Collection Consultants have sent me a bill with a different address than my own from XXXX. The bill also had a name I do not know and am not associated with. The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files