WillisBack/dataset-financial-user-claim huggingface dataset:
At some time in the past three or four weeks I applied for a credit card offered by Chase ( Manhattan? ) bank with an offer of Bonus Miles with XXXX XXXX if you spend a certain amount in a designated period of time. 
I have excellent credit and should absolutely QUALIFY for this card. I could ( & would ) meet their standards to earn the Bonus Milage but THEY decided I should not have this card because I have " too many credit cards. '' I asked to speak to a Supervisor and the first time, they told me, " they're not working today. ' Someone DID call me the next day telling me they could not approve me but they would have a Supervisor call me and then they never did. 
I did not realize that these companies were in the habit of 'parenting ' potential customers. 
My Credit History shows that I can and most likely WILL re-pay any amount I charge on a new credit card they afforded me. 
What gives them the right to deny me something they are offering based on the fact that other companies have decided to extend credit to me? I've accepted many of these offers BECAUSE of the fact that they come with 'perks! ' If, in fact, they really DON'T want you to be able to earn those perks, isn't that false advertising? I am as qualified as any of the people they've extended this particular Bonus to so how is it they are allowed to deny it to me? It seems wrong. Am I right?
I got a personal loan from XXXX in XXXX allowing a lien on my XXXX XXXX XXXX. When I registered my car in North Carolina, XXXX received a copy of the title. In that state, the non-lienholder does not receive a copy of the loan. 

When I moved to Georgia in XX/XX/XXXX, I put down XXXX as the lienholder to contact for a copy of the title. XXXX never responded because they sold the loan to XXXX. Since I was notified in XXXX, I have been trying to get XXXX to get a copy of the title from North Carolina as directed by their DMV. 

Now at the end of XXXX, XXXX sold the loan to Real Time Resolutions. Since early XXXX, I have requested a copy of the North Carolina title or for this entity to request a copy. They keep saying they will send it, but never send it. It appears they have a copy of an old Maryland title, but not North Carolina. 

I am about to run out of time for my registration. My DMV refuses to allow me to renew my registration without a copy of this title. North Carolina can confirm that XXXX is on the title, but can not release a copy to me. 

I am not even sure if the lien was properly transferred to XXXX and now Real Time Resolutions. However, they are not responding to the DMV or myself concerning this matter.
On XXXX XXXX, 2015 I sent a certified letter to Grant & Weber requesting verification of the debt they have been reporting on my credit profile. The debt total {$150.00} + {$50.00} for interest. I have yet to receive validation of this debt. On XXXX XXXX, 2015 I decided to send a letter to settle this debt and have it removed from my credit profile. Since the amount would total XXXX I figured I would save my self time and money and send them a request to settle this account. On XXXX/XXXX/2015, I received a letter from Grant and Weber stating they have no record that I made no attempt to contact their office. I have attached the XXXX certified letter receiptsand copy of the letter I received from Grant & Weber on XXXX/XXXX/2015. I was under the impression that they are required within 30 days to respond with proof of this debt belong to me. The letter dated XXXX/XXXX/2015 was not validation but a collection letter, they totally ignored validating this account.
Bought round trip tickets with  XXXX   XXXX  and the  XXXX   XXXX  cancelled  1st leg  of the trip last minute and we had to buy another ticket with   XXXX   XXXX   XXXX  for much more. We want to dispute the {$100.00} that we spent  XXXX   XXXX  for the round trip ticket that   XXXX   never fullfillled. We want refund from  Citi Bank Visa.
SunTrust Bank- They stated on XXXX-XXXX-2015 I attempted to make a transaction on a account in an unauthorized or prohibited manner. On my XXXX XXXX report they never mentioned what I exactly did wrong. They reported no loss of money. Technically I don't even know exactly what I'm being charged with. I never had a Suntrust account. My identity has been compromised before.I was taking advantage of by people I trusted, stole my identity and opened bank account and credit accounts in my name, some how i have to get those investigsted as well. Someone authorized accounts created without my consent. I don't comprehend good, I get a XXXX   check for not being able to comprehend like a normal adult. My brain works on a XXXX  year old level.Because of me being in the XXXX XXXX XXXX it is hard for me to get a bank account. I don't have anyone I trust to have my check deposited into their account.just need help with trying to get the bank to understand I was taking advantage of. I really need your help getting out of that system
I would like to make complaint on PNC Bank regarding a allotment that was going to a incorrect account and the XXXX Branch and XXXX, OH customer service number can not see or pull up. I receive a letter from the Branch which state that account is not a PNC Bank Account. The allotment was withdrawal from mine personal pay check and I 'm getting the run around.
On XX/XX/XXXX I signed up for a " free '' credit check with Trans union because I had just found out my SSN had been stolen. Today on XX/XX/XXXX I was charged XXXX without my permission and when I tried to contact them I was speaking with someone in another country and she could not help me solve any of these problems.
On XX/XX/XXXX I gave Greenback Recovery Group permission to withdraw {$50.00} from my bank account. I gave them my debit card number so they would be able to. This was a one time only withdrawal. On XX/XX/XXXX or XX/XX/XXXX they withdrew anther {$50.00}. I did not give them permission to do so. I have attempted to reach them to notify them they are not allowed to withdraw any funds from my bank account. To make sure they do not withdraw more funds I feel I have to get a new debit card. 

The agreement I had made with them was for me to make a payment once per month. Now I am not even sure they are a collection agency that has been hired to collect a debt. 

Please help me resolve this.
I submitted a dispute to USAA on XX/XX/2016 for a {$10000.00} purchase from XXXX that represented themselves to be an investment bank, but I learned that it was just a front. On that date, I also learned that XXXX had processed it with USAA as a cash advance and there were thousands of dollars of fees that I had not authorized. USAA was VERY slow in handling the dispute for a number of reasons that are difficult to understand, during which they applied the credit on two or three different occasions until finally on XX/XX/2016 they re-billed my card for the {$10000.00} stating that I had used the service after I filed the complainr. I said I had only used it to provide the information they requested : specifically statements of the account and transactions processed. They said when I logged in I lost all rights to a refund.
Tried to pay a vendor online and set up automatic deductions from the account. TD Bank said they allow XXXX to do that but not the company I need to pay XXXX
I decide to attend XXXX ( XXXX ) through there online courses from XXXX when I graduate in late XXXX. From the start the process to enroll and the classes themselves seemed way to easy but I was eager to get a degree and start my dream career. After graduating it took months of constant contact asking where my diploma was. Meanwhile they kept telling me it 's on it 's way in the mail. Finally 6 months after graduating it arrived. 
Now a few years later I 'm still not able to get a job in my field so I 've been doing research and find out the school is not legit and is not an accredited school. 
It 's financially breaking me to keep paying these loans. On top of that it 's also breaking my parents financial as well because they took on the responsibility of a large part of my loans because after the first 6months to a year I did n't qualify for financial aid. 
All I want is to be relieved of my remain 7-8 years left in my loan and to finally be able to have a chance to make it in the future without this debt. Even more so I 'd love to be able to tell my family that they no longer have to worry about the loan they took on for me, as they are paying more than I am per month. 
Any help would greatly be appreciated! 

Thank you, XXXX
I was unable to make payments on my student loan due to financial problems. I contacted sallie mae/navient in 2016 to see what my options were. I had heard of income based repayment options and possible refinancing. Sallie mae/navient told me i would not qualify for refinancing and told me my best option was forbearance. They pushed me hard to get me to forbear my loans, which i did. I feel i was lied to about my options, and on top of that was given 5 % late fees whenever i missed a payment. I feel these are predatory actions and sallie mae/navient needs to be punished for their actions.
My check was Direct Deposit on XXXX/XXXX/15 .and I have yet to receive it.not not is answering the phone, and if the do your holding on for hours..RUSHCARD IS A SCAM ..
On XXXX XXXX, XXXX, I agreed to a settlement to pay XXXX XXXX XXXX in the amount of {$2000.00} through the means of automatic payments from my checking account in the amount of {$120.00} a month. 

They have continued to automatically take $ XXXX/month even after the agreed amount of {$2000.00} has been paid in full. 

As of XXXX/XXXX/XXXX, they have automatically taken a total of {$2500.00}. 
They took {$500.00} more than what was agreed to and have not stopped automatically taking {$120.00} a month from my checking account. 

Last withdrawl took place on XXXX/XXXX/XXXX and first was taken on XXXX/XXXX/XXXX. This is a total of 21 months in which {$120.00} payments were automatically removed from my checking account.
ON XX/XX/10 MY XXXX WAS CHARGED BY REALTY VALUE SERVICES FOR {$720.00} I DID NOT DO BUISNESS WITH THIS COMPANY, AND WHEN I CALLED XXXX TO TELL THEM THAT I DID NOT AUTHORIZE THE CHARGE THEY SAID THEY WOULDNT HELP ME. ALL I WANT IS MY MONEY RETUNED TO ME I AM A SENIOR CITIZEN AND DESERVE TO BE TREATED WITH MORE RESPECT.
I was sent a letter by XXXX XXXX XXXX, Attorneys at Law in XXXX stating that they are attempting to collect a debt on behalf of XXXX XXXX, XXXX for a debt I allegedly owe to XXXX for account number XXXX. 

I had a third party credit reporting agency contact XXXX XXXX XXXX to obtain the account number and verify the debt. The resulting report is attached. The account at XXXX XXXX XXXX was reported to the third party credit reporting agency as Charged Off. I assume because they were not able to verify it was mine. 

The third party credit reporting agency also contacted XXXX on my behalf. XXXX was not able to produce any such account. This account does not appear on any of my three credit reports. It does not exist.
My wife and I just went through 7 months of application for a HAMP modification with US Bank. I am a XXXX and sometimes do n't have work in the winter months. I got behind a few months on my mortgage payments and was approved for the modification on XXXX, 2015. During this time US Bank kept sending statements for payment, assessing late fees, and making bad reports to the credit bureaus. I spoke with my representative, XXXX XXXX, about the XXXX week of XXXX to tell her I would not be able to make my XXXX payment and that the XXXX may be late. I reminded her of this when I spoke to her at the end of XXXX telling her I expected a paycheck around XXXX XXXX. I did n't get it on the XXXX and called to let her know that as soon as it arrived I was going to send in the past due amounts. I finally got the check on XXXX XXXX. I got a cashiers check for XXXX - XXXX - and XXXX and sent it. I called her the next day to let her know the check was in the mail. We signed and sent the acceptance form for the HAMP modification. About a week later, we received a letter from US Bank saying we were disqualified and not approved for the loan modification. The letter said the reason for the revocation was because the mortgage was no longer delinquent. At no time were we told that paying the past due amounts would get us eliminated from the program. I kept them well informed that I was trying to come up with the funds. Had I known, I would have kept the money and put it toward a new furnace. Ours broke last XXXX and needs to be replaced. We have been trying to keep warm this winter with only a wood stove in the basement. Sometimes it 's only XXXX degrees when we get up in the morning. We also need the roof replaced. US Bank says they will not take any responsibility for them tricking us into being disqualified. They claim the modification was figured to include the delinquency and any change to those figures nullifies the deal. I did the fiscally responsible thing by paying when I could ; I should not be punished for mistakes they made.
After sending certified, return receipt letters to Experian on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$380.00} from XXXX XXXX XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long Experian is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by Experian, I am seeking that this particular inaccurate assumption is removed immediately.
Re : Consumer Financial Protection Bureau, case # : XXXX Transunion Credit file : XXXX, reply to letter of XXXX 
Please see ( PDF page XXXX of Trans Union complete credit report ) the attached exhibit as documentary proof of Trans Union 's disingenuous response of what it was instructed to do by the creditor. ( see CFPB response ) and of the willful malicious insistence to continue reporting said adverse and incorrect information. 

Sincerely, XXXX
The amount owed for the daycare collection is higher than the account balance so that needs to be corrected.
XXXX   XXXX , credit line is STILL showing on CR even after previous Equifax response says " verified to be deleted by credit  grantor  ''. Please REMOVE invalid credit line ( that was re-added to my credit report w/o notification per FCRA )
National Credit System, $XXXX. I Have sent National Credit Systems a debt validation on XXXX XXXX, 2017 and National Credit Systems has not responded to my validation. National Credit Systems also has reported this collection to all 3 of my credit reports agency's. I have no knowledge of this collection.
I was having a hard time paying my student loans. I was trying to make payments as I could each month but was not able to pay the full amount some months. I missed a few payments due to financial hardships. when I attempted to call Navient to come up with a financial plan, they told me the amount i was supposed to be paying was the fixed rate and would not lower my monthly payments, even though i could not afford to pay that rate. Navient then cancelled my co-signers credit card which also cancelled two other family members credit cards. This negatively affected both my cosigners credit scores and reports, as well as my own. I then got approved for a payment plan from navient, however when navient reviewed my income, they also included my cosigner and their spouses incomes when figuring a monthly payment amount. My cosigners are not assisting in paying this loan, they are " cosigners '' only obligated to pay if i can not and default on the loan. Navient has done nothing to help me attempt to get back on track with payments that i can actually afford. My income is too low to pay the amount that Navient has specified. After Navient enrolled me in this " repayment program '' they did adjust the payment slighty, but still not affordable to me, due to the inclusion of my cosigner and spouses incomes. Navient also told me that this new amount would only be temporary and the rate would go back to the " fixed amount '' in a few months. I have recently changed jobs with a lower income, and navient told me i was not eligible for any payment plans based on my new income.
I am not disputing the XXXX XXXX # XXXX account please remove the verbiage listed " disputing ''
this company tried to contact me at my old contact information - I never received any calls or mails from them. They then added the item to my credit report without giving me the ability to dispute the charge. i did not owe XXXX XXXX for that amount of money since I had stopped services and they continued to charge me. 

I would of disputed the charge. However - I paid it off just to get it removed off my credit even though it was invalid. This agency did not work with me to remove this off my credit report and being able to dispute the charge.
I am XXXX customer and having a hard time to contact the customer service via a relay service several times, but they keep hanging up at me because of a relay service.
I am on my other checking account and my card had expired on XXXX/XXXX/15 which i should of receive a new card. I did not so my mother called on XXXX/XXXX/15 and spoke to a XXXX and then I spoke to XXXX. They stated that the orginal card was sent to my house and I never received it. Then stated I would be issue a card in 5 to 7 business. It is now XXXX/XXXX/15 and no card. So my mom called spoke to XXXX and then to me. She stated that the card were not issue do to error of address. So I ask to speak to a supervisor XXXX said her supervisor XXXX was not avaiable and XXXX XXXX would call me back XXXX hours and XXXX minutes latter XXXX calls and ask for me. I gave her verification information but she got made because she heard my mom in the back ground and got mad. So my mother got on the phone since she owns the account. When she asked to speak to her supervisor she or corperate XXXX stated she was in the corperate office and she had no supervisor. My mother stated she would place a complaint due to that this is her account and when the card was not issue someone should of called. But XXXX is going to argue and i am not happy. XXXX job is to be getting phone records first before placing a call and customer service should be top important to this company. I do n't have my card for unknown reason and I want my card without any hassels period. This is my mother acccount which she had for many years and place me on it when I was XXXX. This company has charge my mom for many thing and mess up her account when they switch over to who they are and she did not get reimbured to all her account due to their error. And it funny that my card didnt come because you get all junk mail sent to my home address.
I had first taken out my loan with Opportunity Finance ( or XXXX ) in XXXX XXXX. I made all my payments, and received credit line increases. My income at the time my loan was approved was {$70000.00} annually. 

In XXXX of XXXX, I became unemployed for 3 weeks. I was able to get temporary work ( temp job ) through a staffing agency. My income was then $ XXXX/hr. 

I notified Opportunity Finance that I was unemployed, and they 'suspended ' my account for 1 month while I tried to get employment. 

After the 1 month, and my account was active again ; I told them my new salary, that I could n't afford the normal payments. They accepted what I could afford at the time, which was {$25.00}. 

They continued to work with me, allowing me to make bi weekly payments of {$25.00} while I was working the temp jobs. They did this for approximately 5 months. 

In XXXX of XXXX, they told me I could no longer make {$25.00} payments, that I had to pay more. They gave me no reason for this. They said the minimum payment that I could do was bi weekly payments of {$79.00}. I told them I could not afford that, they told me to bad, but they would accept bi weekly payments of {$61.00}. I still could not afford these, but I tried. 

In XXXX of XXXX I became unemployed again. When I notified them, they 'suspended ' my account for one month again. I was able to get another temp job at the end of XXXX XXXX. 

In XXXX of XXXX, my account became active again. I called to set up payments I could afford, which was bi-weekly of {$25.00}. They told me they could n't accept that, the minimum was {$61.00} bi-weekly. I told them I could n't afford it, they said there was nothing they could do. So I did make a couple payments in XXXX and XXXX, but I could n't make anymore. 

At this time I asked them if my loan matured, and they said yes ( no longer accruing interest ). I asked them the balance, and they told me just over {$2400.00}. I asked that all payments being made are reducing the principal balance, and they said yes. They said as long as I made payments, no interest would accrue. This did n't make sense to me, because I was under the impression it had matured. 

Anyway, I could n't make any payments at the end of XXXX, beginning of XXXX. In XXXX, I received a threatening email saying it was the last time they would try contacting me ( they never contacted me before this ), and that if I did n't make a payment, they would take me to court. 

I could n't afford it, but I ca n't afford being sued either. So I set up a {$61.00} payment for today, XXXX XXXX XXXX. I told them that my current temp job is ending today as well, can they 'suspend ' my account for one month while I look for employment. They said no. The collection manager 's name is XXXX, he said he could n't help me.
I tried to open an account at XXXX XXXX and was turned down because they said " During the processing of your application for credit, we encountered the following missing, invalid or unverifiable information : Unable to verify identity information '' I was in the store and gave the clerk my CA drivers license. She verified this with the credit department. 
My XXXX credit score, as well as XXXX  and XXXX XXXX, is XXXX. 
XXXXXXXX XXXX reference number is XXXX
Today Wells Fargo closed my credit card account. I found out when logging into my online account. No prior notification was provided. 

I made several calls to Wells Fargo on the matter. Phone agents disclosed the following reasons for account closure:XXXX Unsatisfactory relationship on a Wells Fargo checking account. This account was closed following a CFPB complaint on their payment posting process, disclosures and timeline. 
XXXX. Agents indicated Wells Fargo Risk sent a letter in early XXXX that I failed to respond to. I received no such letter and Wells Fargo Fraud agents later confirmed none was sent. 
XXXX. Cardholder abuse. 

This credit card has a marketed rewards offer of 5 % cash back unlimited for the XXXX six month. I have used this credit card to maximize this offer and suspect this is the core reason for the closure as noted in my account. 

I am fully compliant with the terms and conditions of the cardholder agreement. 

This is a clear case of Wells Fargo baiting and switching their marketing offers. 

I will further follow up with the Attorney General 's office and the Federal Trade Commission.