WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX and UAC failed to provide the services that they sold me on. They never reported the correct information on my credit report of me paying on time with not one missed payment, when they should have done so as they promised in their contracts, they also didnt honor a warranty on a faulty car that knowingly they supplied a bad transmission and returned it to me- which had to be towed away from the mechanics shop that I was told to take the vehicle to. The moment that I take my vehicle in for repairs and they provide a faulty transmission and I refuse to give them another dollar until they fix it, being that it is under warranty they happen to repossess the vehicle and do a charge off/collections. I also reported them to the XXXX two times, they have gone as far as submitting a story that is far from the truth. I have the receipts and an email to prove that they lied, saying that they honored the warranty that I refused to pay for the vehicle with other things that the vehicle did not have. With that being said, insult on top of injury they do not report correctly to the credit bureaus repeatedly.
In XXXX 2015, I was given a code for XXXX bonus american airlines miles if I open a new bank account with Citibank ( Citi Gold checking ). The code was accepted, I adhered to all of the requirements and in several secure messages, I was told that I had acheived the requirements and that the bonus takes time to process. Finally after 6 months, I was told that the offer was targeted and that my bonus wo n't be going through. I have spent a lot in fees based on this promotion. If I do n't get the bonus, I 'd like my fees back.
Wells Fargo continues to mishandle the escrow calculations on my home mortgage account. Earlier this year, they made numerous mistakes which required CFPB 's intervention. Shortly after appearing to resolve the matter, in XX/XX/2018, they again made mistakes with a " new '' escrow calculation/analysis, in which they simultaneously accused us ( in the same document ) of both underfunding and overfunding the escrow account. This company has simply no concept of how to correctly collect, calculate, and pay escrow. We have had numerous correspondence with the company, but as of today, they have not done a correct escrow analysis or changed their demands that we overpay the escrow amount in XX/XX/2018 and going forward. We request CFPB intervene with them, and ask them to comply with their regulatory and contractual obligations on the handling of escrow accounts.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that I was likely affected by. 

They have put myself and over a hundred million others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for trial periods of their own ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company.
I sent a debt validation letter including to stop calling my cell phone to Oxford Law , LLC. I kept records of the phone log and pictures of my cell phone. Oxford Law , LLC never validated the debt and continued to call my cell phone without my consent. I retained an attorney to sue Oxford Law , LLC for violations of the Telephone Consumer Protection Act in Federal Court. Due to the overwhelming evidence against Oxford, they settled with me. We settled at mediation for less that what was due because Oxford claimed they would file bankruptcy if we received a larger settlement. My attorney filed a Motion to Dismiss the federal case and the federal court did not retain jurisdiction of the case. Oxford Law sent only one payment from a different company, XXXX XXXX, XXXX and then stopped paying on the settlement agreement. 
My attorney filed another complaint in state court and Oxford Law did not respond to the complaint. There was a default judgment against Oxford Law in state court. I hired a judgment specialist to find Oxford 's assets in order to garnish it to pay the judgment but Oxford Law is hiding its assets. It is a total hypocrisy for Oxford Law to harass people for debts they can never validate and then not pay on a settlement agreement for their violations of consumer protection laws. I am working to see if Oxford Law , LLC will pay the judgment against it. It is highly unethical that the attorneys that own Oxford Law , LLC will not pay the settlement agreement and then not pay the state court judgment.
THIS DEBT COLLECTION COMPANY REPORTED AN ACCOUNT TO MY CREDIT REPORT THAT WAS DISCHARGED ON MY BANKRUPTCY YEARS AGO. IT WAS REPORTED ON XXXX/XXXX/2016 ON MY XXXX AND XXXX BUT REMOVED ON MY XXXX ONLY. THEY ARE ATTEMPTING TO COLLECT A DEBT BY REPORTING THIS TO MY CREDIT. I HAVE NOT RECEIVED ANY NOTICES TO INFORM ME OF MY RIGHTS AS A CONSUMER. IF THIS IS NOT RESOLVED I WILL RETAIN AN ATTORNEY AND FILE SUIT.
I recently had some negative information reported on my Transunion, XXXX   and XXXX reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

Trans Union File Number : XXXX XXXX Report Number XXXX XXXX SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These number do not belong to me!! 
( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached proof of my address in this complaint.
International Mortgage & Finance Group processed an FHA loan with XXXX XXXX  for my mortgage. On the day of closing I was provided with the closing documents on the day of closing XX/XX/18 which denies me of the 3 day look and it also included cost of {$1100.00} for points reduction on my credit that was not disclosed to me. My original score was used when errors on my credit were removed and my score increased to XXXX. I was charged a rapid credit rescoring of {$150.00} and was never provided a copy of the report although it was requested. {$110.00} was refunded after the closing as the processor explained that the credit bureaus made an error in the report and only XXXX XXXX was reported, this was never given to me. I spoke with the bank and the mortgage processor on the day of closing requesting refund of the cost for credit points that they applied without my consent but they refused.
PUGET SOUND COLLECTXXXX XXXX, XXXX ( XXXX ) XXXXXXXXThis debt is apart of my bankruptcyXXXX XXXX COUNTY REFUSE XXXX
I recently requested a credit report thru my XXXX XXXX XXXX XXXX on XXXX/XXXX/16 ... I noticed a XXXX XXXX in my name with a XXXX XXXX address that shows that service being used on XX/XX/XXXX thru XX/XX/XXXX that does not belong to me ... I have never lived in XXXX XXXX and I have never used XXXX ... I need to dispute this incorrect information off my credit ... Please assist or advise ...
I recently received a copy of my Transunion, All of these inquiries are unauthorized and were not approved. I do not remember authorizing The XXXX XXXX on XXXX XXXX, XXXX or XXXX on XXXX XXXX. I have written letters to have this removed but have not gotten a response. Please have the unauthorized inquiries removed.
Hi I have a dispute with Ally Financial we traded in our lease car at XXXX XXXX and bought a truck they let us out of our lease early and added on our new loan. We did this on XXXX XXXX, XXXX called them and got the pay off and everything was ok. Now Ally is saying we owe them over XXXX dollars because we still own the car we faxed them everything they needed we do n't own the car anymore first Ally said we needed to sign a paper because my husbands name is still on the title so we took care of that then they call us and say we are behind two payments because we still have the car and we did n't they say they still need more money that the pay off was wrong. Not our fault they have everything they need and wo n't close our account we were never late with our payments we traded in the car before our payments was due now my credit is taking a beating because of this I will never deal with XXXX or Ally ever again because the car dealership is not helping us either. I do n't know what to do next can I get a lawyer on this at what type of lawyer. and how can I restore my credit from this it is Two months now and nothing we do is working with Ally.
Wells Fargo continues to discriminate against me. They have destroyed my life for 2 years and the CFPB will not help. Please keep my case open until Wells Fargo admits the truth. The CFPB needs to help me communicate to Wells Fargo so they understand the devastation they are creating. What documents do I need to submit to prove Wells Fargo is breaking the law? The CFPB needs to give me more guidance. Wells Fargo still has no email XXXX accommodation available for me to contact if I have questions, see attached letters dated XX/XX/2016 from both Wells Fargo Home Mortgage and Wells Fargo Home Equity. I am telling the truth, please help me CFPB.
XXXX XXXX balance in full XXXX Settlement Amount I called in this afternoon to discuss a debt that I was paying each month because I recently had the debt card we were using to make auto pays compromised. I spoke with three reps XXXX XXXX, XXXX XXXX, XXXX XXXX. I wanted to just move the XXXX pmt to XX/XX/XXXX since I was unable to pay the full amount. XXXX XXXX told me I couldnt change the payment plan because they need a payment for XXXX. I ended that call and received a call back from the other rep XXXX XXXX who said she was returning a call that dropped and after I told her what I needed to do with the acct she told me that I can not dictate my own debt and they will see me in court and hung up. I called back and spoke with a compliance supervisor by the name of XXXX XXXX. XXXX did take the time to listen to my situation and helped me get to a resolution that both of us found reasonable. She said the rep would be reprimanded for threatening me with legal actions. I Felt threatened when I was told I would be sued over trying to make payments on an account Ive been paying since it got moved to their company. XXXX did help me feel more at ease but I still dont like the practices that company is training to their employees, because who knows how many people they tell that on a daily bases and actually get to pay with the deceiving collection tactics.
XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your XXXX XXXX if you pay them a monthly fee. For instance Ox XXXX XXXX online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 bureaus.
I opened a Credit Card with Chase through XXXX to get XXXX bonus miles. The bold letters stated that I have to spend {$3000.00} in 3 months to get the bonus miles. My credit card statements billed me slightly over {$3000.00} ( I think it was {$3000.00} ) but Chase did n't credit me the bonus miles. 
When I called them they told me that the CC service fee does n't count as purchase and therefore I 'm below {$3000.00}. They state this fact is noted somewhere in the fine print. But this is a fairly critical fact and should be noted not in the fine print or a small foot note but up front with everything else. I feel cheated and deceived out of these bonus files.
For a little over 6 months now, I have been receiving calls from XXXX financial in order to collect a debt for a leased car that I turned in over 3 years ago. They say that I owed money for wear and tear on the car. I initially was in contact with XXXX at XXXX XXXX, and was very happy to pay the debt. After giving all my information to her, I received a call several weeks later saying that they were unable to process my request. I checked by bank and noticed that it never went through. So again I gave her the information and waited a couple days and they still did n't take the money out. After that I contacted them and they said that my credit union could not find my account even though I pay literally every bill with the same information with no problems. Although I was annoyed because XXXX and her XXXX both were extremely pushy and rude, insinuating that I did n't have the money to pay them, when from the beginning I 've been giving all of information to collect this debt. But okay I gave them information to an alternate bank account at a whole different institution. Weeks went by and they still did not take the money out. I called both of my banks and they said there is no record of XXXX financial ever trying to collect the debt from my account. So this caused a red flag for me. And then early today I received a call at my desk, after the last time I spoke with them, I specifically told them never contact me again regarding this because I will not be abused like this anymore. The man who called was even ruder then XXXX and stated that I needed to now send them a money gram to pay for this. He then proceeded to say ' you obviously do n't have the money to pay your debt ' He knows nothing and I have given my bank information many many times.They are harassing me and my mother at this point because they cant get it together. It seems as though this was their plan from the beginning, a kind of sham to get people to send money directly to them. Insanely rude and abusive company
I have XXXX 0 % promotional loans on my Discover Card with differing amounts and end dates to promotion period. I want to pay them off and avoid the 20 % interest after promotion period. When I could not find the loan amounts and promo period dates on their website or my statements, I sent an email. As you can see from the attached message string, Discover refuses (! ) to provide me with this information. I find this hard to believe its even legal. Please help.And thank you for the great work you do!
First, the standard complaint questions do not accurately describe my situation. I hope you can still help me. I had a bank execution entered against me. I have been told the bank did not do the execution properly. The execution was dated  XXXX /17. It was served on Key Bank on  XXXX /17. It was mailed to me on  XXXX /17. The letter I received from Key Bank did not explain the proper process for filing an exemption claim form in CT. Instead of telling me to fill out the exemption claim form and take it back to Key Bank within 15 days to prevent my money from being taken, the letter told me to contact the State Marshal who served the bank execution on me. The letter did not mention that if I took the exemption claim form to the bank, it would mail it to the court and a hearing would be scheduled. The letter did not mention anything about certain monies, such as Social Security, being protected from execution. I did n't understand all of the papers attached to the letter. Finally, although the funds in my account were all from Social Security, the bank is charging me a {$100.00} service fee and the Marshall is charging me a fee for serving the execution. I contacted legal aid and was told to file an exemption claim form with the court. I have a hearing scheduled   XXXX   XXXX  , 2017 and expect to get my Social Security back. I do not know if I will get the service fee or Marshall fee returned but both should be returned.
I have made a purchase with the 18 months interest free promotion from XXXX XXXX. I have repeatedly asked the sales representative regarding the payments, whether I would need to make interest payments based during the 18 months we didn't pay interest in case we forgot to pay off the debt in 18 months. The sales rep repeatedly assured me that I would only be making interest payment once the 18 months is up based on the balance I would have just like any other credit card. 

Fast forward to today, XX/XX/2018, I decide to check up on my debts and realized I still had the debt for the appliances purchased from XXXX XXXX. I decided to make the payment to clear the debt and decided to see how much interest had accrued and I saw that interest for 18 months I didn't pay were added to the statement when the promotional period ended. 

I have made a phone call to see if I can get this interest amount reduced or removed, but the reps were very stoic and stern about the fact that they weren't going to remove this interest amount of {$1700.00} based on debt balance of {$2200.00}. 

I have made a call to the customer service, spoke with the representative and she couldn't help me, so I asked to speak with upper management and XXXX from the management team answered. XXXX also repeated that she couldn't help me because the information was stated on pages 1 and 3.  However the company didn't make much effort to let the consumer know that once the 18 month promotion period was up, we would need to make interest payment that we've missed out on for the first 18 months. It says in a small line at the bottom of page one about deferred interest, but to a layman, deferred interest seems like interest that will begin to be charged once the promotional period is over.
Regarding New Home Loan # XXXX with Wells Fargo. Working with XXXX XXXX, XXXX XXXX and team.started on XXXX XXXX 2015. 
The worst day in my life when I approached Wells Fargo rep XXXX to help with mortgage while shopping around for XXXX other major lenders. the reason to go them was clearly stated that closing should happen in a month time. I had no-contingency offer and my earnest deposite of XXXX was at risk for my dream home purchase. 
I provided all the documents and was given confirmation that it should be easy one as I was applying for loan of XXXX % on the property price of XXXX and I had over XXXX in assets plus another rental property with XXXX in equity. 
I decided to go with WF due to promise of closing on time. To my surprise the whole month went by in asking for documents in installments. Loan team seem to be working on this first time. everytime they will ask for a " last '' document and then ask for another. Finally I had to request seller for contract extension till XX/XX/XXXX as loan did not close on time. Meanwhile I already spent money for XXXX appraisals and a credit report pull. After this I was laid off from job but got another contract job offer in a day or two so I asked loan officer if I should continue or work with seller on pulling out of deal. 
She told me that contract document is enough proof to keep ball rolling and no other document is needed. I provided with contract job offer I had.I worked with seller to extend contract for another 30 days on condition that I pay {$80.00} per day as compensation. I again asked loan officer if I should enter contract. On her positive confirmation I decided to keep ball rolling for {$80.00} a day. The loan did not close by new extended date of XX/XX/XXXX end.Meanwhile I got job offer from original employer. Now WF wanted me to extend home contract for more days and asked for offer letter. I provided these document and on assurance that no more docs needed I extended purchase contract for another 30 days till XX/XX/XXXX. 
This time I had learnt my lessons and started working with other lender. Thanks fully my loan with other lender got approved in XXXX weeks and I was able to close by end of extended date. 
In the process I incurred un-necessary expenses with no result and caused by in-efficiency of the Wells Fargo staff as follow. 
Appraisel costed XXXX $ and I had to do XXXX. 
Credit check fee XXXX $ Two month of compensation given to seller extend contract $ XXXX $ XXXXPlus lot of trips and parking expense to meet them approx XXXX $ I difinitely need to be compensated for money I spent ( over XXXX $ ) plus compensation towards mental hassle I had to go through during XX/XX/XXXX-XX/XX/XXXX for a supposedly straight forward transaction. 
ThanksXXXX, CA
US Collection Wwst company continues to report a false collection account to XXXX BOTH XXXX AND US COLLECTIONS HAVE FAILED TO PROVIDE VALIDATION OF DEBT AFTER THREE CERTIFIED LETTERS HAVE BEEN MAILED TO BOTH COMPANIES SINCE 2015.
I received a letter from Convergent telling me my account is placed for collection. They provided no information as to what the debt is, they left the creditor name blank, they spelled my name wrong, and the letter they sent was dated about a week before I received it ( XXXX/XXXX/XXXX ) I do not believe I owe this debt. I sent a timely letter informing them as such XXXX XXXX/XXXX/XXXX XXXX, and requested additional information about the debt, and officially disputed the debt. 

I have not received the additional information I requested, and they continue to attempt to collect the debt by phone. 

Instead, they continue calling me and leaving incomplete phone messages. 

I do not wish to be continuously harassed by telephone while they ignore my letter requesting additional information.
XXXX XXXX XXXX is reporting a multiple collection of the same account. I have contacted TransUnion, they just updated without removing the same multiple account.
I recently disputed some fraudulent accounts with the credit reporting agency equifax and the information was deleted, now almost a month later it is reappearing on my credit report. 
These were the accounts that were deleted and removed from the report I received on XX/XX/2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me and were opened in fraud ... XXXX