WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received an offer from chase mileage plus explorer credit card that said if you sign for the card and you expend {$2000.00} in the first XXXX month you will receive XXXX miles in your united account and if you add another person to your account you will receive a extra XXXX miles, so I call an made the over the phone application and ask the customer service all the staff to qualify to the offer, they assurance me that there was no problem if I expend the money I will get the miles, so I sign I got the card I begin to use. XXXX month later I called to CS about the miles they said do n't worry in XXXX XXXX billing cycle you will get it but that was not true I called again on XXXX XXXX and I spoke with a supervisor He said to me that He can not understand why I did no got the miles posted to my account yet but He is going to put a request to the " marketing department '' and I should receive the miles in XXXX days and a letter from that department in less that XXXX day, so I went to vacation and when I return I checked my miles did not change but I got a letter from chase that state that because I receive a bonus credit in XX/XX/XXXX I did not qualify for this bonus offer and I did not going to get any bonus miles with this card. I call back to CS and they repeat the same thing to me. I can understand that can be the policy of the company but why they sent the offer to me, why when I call to apply they did not mention about that rule, why went I called XXXX month later they did not same nothing and why when I spoke with a supervise on XXXX XXXX He assured that they was not problem that I ll get the mileage, Chase was lying to me as customer from they XXXX, the only reason that I sign for this card was for the miles if not I can get any other card offer I have excellent credit every day I got by mail different offers if you can get the voice record of my conversation you will hear that the latest Supervisor was agree with my point but He can not do nothing Those were the company policy, off course to attract customers from the competition. From my point of view those policy are unfear marketing policy that try to scam the customer not showing the real rules of the game from the beginning.
I took out a private loan while attending XXXX in XXXX PA with XXXX XXXX after being told I had to or go home that night, I was told it was my only option. I signed the documents not knowing or understanding the terms of the loan, i feared i was going to lose everything I had worked for up to that point. When I found out the loans were being charged over 20 % interest after I left school I tried to get them at a lower rate but no banks wanted to touch them. I finally got XXXX XXXX to reduce the rates to 13.5 % but it still was n't enough. I continued to struggle and for 31 months I was unemployed and my only option provided by them was forbearance. When I went back to work I continued to struggle to pay the loan. Fast forward to now and recently I spoke with a manager at the new branch of XXXX XXXX, Navient, name XXXX XXXX. He told me info for the first time that was denied to me for the entire time I was struggling with payments, my original loan amount being the {$21000.00} and that I had paid {$43000.00} on the loan while I was making the payments. He also informed that I currently owed " a little more than {$26000.00} '', after the initial rep said {$28000.00}, and that I was scheduled to pay {$350.00} a month until XXXX of 2029, this totaled {$100000.00} on the original {$21000.00} loan. I then told him I 'd like to settle but he said I 'd have to make a payment of whatever amount I committed before it would be accepted. I told him I 'd have to see what I could make available and after number crunching the loan amounts the payout on the loan, it would have been a total of {$46000.00} by the initial rates had I been on time and rated at the 10 years I thought it was. I thought I would then offer the difference of ehat i paid and the original loan, was informed it was actually 15 years and it 's been XXXX so I was confused why it was still so high if 6 years from now is the pay off but I 've already paid almost everything? I tried for several days to reach XXXX XXXX but he was unreachable, he called back once after I had left a message saying I 'd be unavailable after a certain time, coincidentally it was during that time. I decided to call the main center they have set up and was continuously told he 'd be on the line soon when a woman named XXXX XXXX picked up. She was n't interested in numbers nor my offer to pay the remainder of the original note citing the forbearance as the reason it once again inflated to XXXX. I was told I could set myself up again in a program to pay it off but I ca n't continue to struggle and get no where in this loan, i need help ...
i requested full information on the reporting and validation of the tax lien/judgment. I see a claim amount but I do not see the liability amount. The judgment identification is also incomplete. I have disputed this several times with Experian. They have not been in compliance for over 45 days in regards to FCRA guidelines. I filed a complaint with XXXX regarding this before.
Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by EQUIFAX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act XX/XX/XXXX against { XXXX XXXX XXXX }? So I submit to you for examination, that this data also made by EQUIFAX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act XX/XX/XXXX because its a consumer. 
XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ).  Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected
In XX/XX/2018 I found out that there was a joint account opened by ex-husband under my name without my consent or any signature obtained by me for {$30000.00}. During divorce proceedings, my ex-husband signed legal documents taking full responsibility for payment of the loan and he had stated that after speaking with the loan company they informed him that after a couple of months of monthly payments my name will be removed. My name was not removed and Lending Club Co is contacting me for payment of a loan that was fraudulently opened under my name using my personal information. I am baffled that a loan for that amount can be opened without my consent or any signature.
I took out a loan for a ring that I purchased through the store and was making the proper payments on a monthly basis. I calculated how much I had owed and got it down to the last month. When I called in to the store I asked if it was the last payment and how much more I owed. I was told that everything was paid off and that nothing more would be owed. Months later I receive a phone call notifying me that I still owed {$7.00} from my previous account and due to the interest I now owed {$110.00} on top of that. I explained to the company that I had been told that my account was paid off when I last spoke to the store and they fixed the issue. They removed the interest that I owed and I settled the payment of the {$7.00} that I apparently owed despite being told previously that I had settled all payments months prior. However it is reflecting on my credit score now by dropping it XXXX points in one month.
I CONTACTED UTILITY COMPANIES AND SWITCHED INTO MY NAME. BOTH THE WATER AND POWER COMPANIES ADMITTED THEY ERRED AND DID NOT BILL ME CORRECTLY. I HAVE SINCE PAID IN FULL BOTH ACCOUNTS WHICH I TOLD AND SENT PROOF TO THE CREDITOR AND ORIGINATOR OF THE DEBT. BOTH HAVE IGNORED PROOF THAT ALL DEBT IS PAID. THE CREDITOR CONTINUES TO SEND NOTICE DEMANDING PAYMENT AND CONTINUES TO ADD LATE/FINANCE CHARGES.
I traded my vehicle in at a car dealership and was approved for a new loan. I received the paperwork and was informed by the dealer that my loan would be paid off. I called my old finance company and informed them that the vehicle had been traded and not in my possession anymore. They continued to call me for payment. There was a delay on the dealerships part in paying off the loan. I receive an email finally that the finale company in question received the payoff after the delay. However they have reported me LATE as well as saying I owe them {$230.00}. ( Im assuming late fees ). I have never missed a payment with them and had an excellent payment history so I am upset that they would report me late and charge me fees for something that was no fault of my own. There was a delay with the dealership for some reason and I informed the rep from my finance company that the car was not in my possession anymore. I would like this late payment removed from my credit report and to be relieved paying these late " fees ''. I also fault the dealership for delaying the payoff. Date of purchase/trade- XX/XX/2017. I would like the late payment removed from my credit. I would also like a letter in writing from the dealership explaining the delay in the payoff and explaining that the vehicle was not in my possession anymore. I also want to be relieved of paying late fees on a vehicle that I traded. I want this complaint to go to the dealership as well as my previous finance company.
Dear Sirs, I do have problems with my local Bank here, Wells Fargo and I want to transfer my XXXX check that I am receiving from our Social Security to another Bank account that I have nearby. No matter what I am telling them they do it their way. I did transfer my little saving balance to my checking account and closed the credit card account. They did charged me {$16.00} for stupidity because I had a credit card without the chip attached to it but able to use it on the internet but not on local store and that was the beginning of the problem when I went to the Bank and try to explain to them the case but when I came home some how I did find the credit card that they send me with the chip and within the hour I did went back to the Bank and explain to them the reason but the young representative did not want to hear the story and charged me {$16.00} but I did pay them {$20.00} that shows on my credit card account. When they closed the account so also the {$4.00} went with them for coffee as I say it. I got charged {$20.00} also on the checking account or the savings account wish I did transfer the moneys to the checking account and as today my savings account shows {$0.00} but still open account. I have to find another Bank to transfer my XXXX check of {$1100.00} and close also the checking account and not deal with them at all. This is the way our Banking system works and specially the older people facing those problems without any help around. What else left for us. I do have problems after problems with everything around like Banks, Hospitals, Doctors, Pharmacies etc. How far we can go with all those problems. What else left for us. Is there anyone to help the older population in America? 
Sincerely XXXX XXXX
Hello XXXX XXXX loan should be updated as closed and paid off. Document as proof attach
There was a fraud collection account from Virtuoso sourcing group that hurts my credit score. It claims that I have a missing payment of {$60.00} since a year ago. This was out of nowhere. I called them in early XX/XX/XXXX to remove the fraud account and issue a proof that this was not my account. They checked my ssn and name. They said there was no record me owing them money. However, when I requested a proof : there is no collection with my ssn, they refused and claimed no action they could do to help me. They asked me to " settle '' or more of " blackmail '' with a high payment price to clear it off my account. I refused because I never owe them anything at first place. I insisted and wanted to escalate the case to legal level. They claimed the cell signal was off, and hang up. It was the worst company and customer service I have ever dealt with. Someone needs to take some actions to stand for the justice.
I submitted a application to  Round Point mortgage  requesting a Deed in lieu. I do not want to keep the house because I can not afford it. I have attended workshops for struggling home owners like myself and have learned that the best option would be to do a Deed i n Lieu. I have faxed Round Point all the requested documents to be reviewed for a Deed in lieu however ; now Round point is re questing a listing agreement. I asked them why since I am not planning to put it up for sale because I do not have time to do all of that. I have asked a Round Point Agent to be provided a Deed in lieu as soon as possible because I have a very ill father and I need to travel out of town to see him. I do not have a time frame on as to when I will come back to  the USA. I want to finish the Deed in Lieu process before I travel out because I do not want to keep the house. I rather return it to Round Point and walk away. Please help me I am scared that my father might pass before I get to see him. I honestly feel Round Point intentions are to prolong my case so my home can finally foreclosed instead of them offering a Deed in lieu. I am still willing to work directly with Round Point so we can have th is issue resolved as soon as possible.
I received a letter on XX/XX/XXXX, stating a credit had been issued for a Citibank card that my daughter was rectifying, and that the account was closed. No where on this letter does it state that there was a balance due on the account. Prior to this letter, I had no knowledge there was a balance owed on this account, or that it was in arrears. 
XX/XX/XXXX, I was contacted by a collection agency for a Citibank card for which I did not possess with a balance of {$5900.00}. I did not receive a statement from Citibank for any outstanding charges on this account. 
I contacted the collection agency stating that I was processing a dispute with all 3 credit bureaus. Also, I disputed 2 addresses on my credit bureau reports listed in Maine, and contacted the FTC to inform them of this fraudulent activity. 
I sent a registered letter to the collection agency informing them of the actions I had taken with the FTC and credit bureaus. 
On XX/XX/XXXX, I contacted Citibank and spoke with a representative who informed me that I was responsible for the balance on this card and should pay the full amount. I was then transferred to another department and was told that I could fax a letter to Citibank asking to see a list of charges. 
On XX/XX/XXXX, I received a voicemail from Citibank. I listed to the message 3 times and my husband listened several times but neither of us could understand what the person was saying. 
On XX/XX/XXXX, I sent registered letters to the Chief Compliance Officer and General Counsel listing the information as I know it, and asking for assistance. 
As of XX/XX/XXXX, I have heard nothing. 
However, on XX/XX/XXXX, I received via XXXX a statement from Citibank with no charge detail, just a general billing statement. 
I have no idea what was charged or if there was any fraudulent purchases on this account. No one at Citibank was able to tell me what was charged or amounts for each purchase. 
As of XX/XX/XXXX, the Maine addresses have been removed from my credit bureau reports.
XXXX19 I was charged XXXX 2 nsf fees XXXX each XXXX19 I was again charged XXXX NSF fee in one day I was charged XXXX in NSF fees for items I never received from XXXX on XXXX19 I was again charged XXXX for a stop payment fee on XXXX on XXXX19 I was charged XXXX again for 2 overdraft charges the charges Wells Fargo is trying to charge me overdraft fees I didn't overdraft I had the money in my account to cover them. They kept my state income taxes of XXXX because they say I was overdrawn and currently Wells Fargo is still claiming my account is overdrawn by XXXX. I have called into Wells Fargo 4 times concerning theses charges 2 times I have spoke with the fraud prevention department and 2 times with employees the last time I called in the woman was extremely rude and unwilling to help me or listen to me tell her the reasons y my account wasn't negative. Why is it Wells Fargo can commit fraud and because they are a bank get away with it that's not right if legally a bank can commit fraud and mess with your money and accounts why can't the rest of us get away with fraud. I'm unemployed I don't have a steady income so what ever money happens to be deposited into my account is the only money I have. It's not ok for a bank to take it for XXXX reasons just because their greedy CEOs want to line their pockets.
Refinanced with Nationstar in XXXX and they refunded me $ XXXX escrow which I informed them was a mistake but they insisted they were right.Now over XXXX months later they admit they were wrong and want the money back.However I am not happy with the options they have presented me
I applied for a purchase money mortgage for a new home beginning in XXXX of XXXX online with Quicken Loans. I applied jointly with my husband. He is currently retired and is not receiving any pension. I am working and will receive a pension when I retire - projected to be XXXX XXXX, XXXX. We were preapproved in XXXX and signed a contract to purchase a house XXXX XXXX, XXXX. I was told we were approved for the application amount on XXXX XXXX. On XXXX XXXX I was told that Quicken would have to run a new credit bureau report with my husband as primary. This seems to be discrimination against a female applicant that is the primary source of repayment on the loan. I terminated my application with Quicken Loans because of their unfair and deceptive practices i.e. telling me we were approved and then requiring a new credit bureau report. Additionally running another credit report would have had an adverse effect on my credit score.
I have reached out and notified American Express several times since cancelling all credit cards with them in XXXX about charges on the Business Platinum Card  that I did not authorize. Instead of resolving this matter and reversing the charges, they have added on additional fees and reported me for delinquency in payment. As of this morning, I have received notification they are turning the matter over to a collection agency for payment.
Hello, my name is XXXX XXXX and i already send XXXX complains against debt collector XXXX, BOA and XXXX XXXX and their attorney XXXX XXXX! 
I rescinded the alleged loan XX/XX/2015 sinse the court did not go by the rules and did not take my discharge of the alleged debt into consideration. 
They received it XX/XX/XXXX and did not sue me in the 20 day frame.They waived their right to do so. 
so the deed and note is null and void!!!!!!!!!!!! 
Plus they ( XXXX XXXX violated all kinds of XXXX XXXX XXXX laws which i will bring up in Federal courtPlease help
I sent XXXX XXXX XXXX a debt validation letter and they received it on XX/XX/XXXX. They claim that they did an investigation into the debt after they received it on the XXXX and finished their investigation the same day. Which it surprises me that they were able to finish it so fast as they received the letter at XXXX and was able to finish their investigation and mail me a letter the same day. I asked for several things as allowed by law when concerning medical debt including Proof of acquisition of the alleged debt, proof of contractual assignment to collect alleged debt, authorization under subtitle D of the ARRA, Section 13401, Proof bearing the signature the alleged debtor wherein they agreed to pay the alleged creditor, and being this is a medical debt, a copy of the HIPPA authorization. I find it hard to believe this company keeps being able to get away with continuing to break the laws protecting consumers. I have read several complaints against this company and they never answer for what they are doing. In the letter I received in response they threw some doctors name on the paper and claim I had some medical services with this doctor which I have never had and the fact that if they are receiving patients private information and not being authorized to do so is a serious infraction against the hipaa laws set forth to protect patients. I have tried to validate this debt in the manner that I am suppose to do following the law and the law is continuing to be broke by this company. On another note this company reports that I supposedly seen a doctor on XX/XX/XXXX but claim this account was opened mXX/XX/XXXX which is 9 month before they claim I saw a doctor I do not even know how that is possible.
Although the collection agency did reveal information to a third party about my debt, I could have selected several other options. This creditor whom is either XXXX XXXX attorney at law or XXXX XXXX with a return phone number of XXXX has threatened me with legal action even going as far as telling a third party that they tried to file, but could n't because they did n't know what county or state I was in. Another violation would be that they have not sent a letter of validation. I called this company and have been unable to speak to anyone as it goes straight to voice mail. The original contact from this company was on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I left message demanding a letter of verification and as of XXXX XXXX, XXXX, I still do not have it. An Internet search to verify the validity of this lawyer as a collection agent or XXXX has found an estate attorney, an adoption attorney, and a in house attorney for a different companyXXXX searches, as a company, only come up with references that this is a fraudulent company. Although I believe there maybe many XXXX XXXX as an attorney, it seems unlikely that there is not XXXX mention of him as a legitimate collection attorney. His name would come up as people would complain about his collection practices as I am doing now. 

They told a third party whom they are supposedly collecting for but none of their supporting evidence applies to my situation. Although I have done business with XXXX, that is the only part of the information given to the third party that was verified. The rest of the details did not apply. Furthermore, they state they can not " find me ''. My address is part of the contract that I signed with cash net and I have lived at this address for 10+ years. They stated that they have tried to file suit against me but California rejected the suit because they did n't know what county I lived in. And they told the third party that the statue of limitations was almost up for them to collect which is blatantly untrue. California statue of limitations of written contracts is four years, if I signed the contract as they state in XXXX, XXXX, the statue of limitations would not expire until XXXX, XXXX almost a full two years from today. 

I believe they have violated the fair credit collection act several times by disclosing information to, a third party, by threatening legal proceeding, and by not sending a validating letter by XXXX XXXX, XXXX. I can not give you their address as I do n't have it. They have sent no correspondence at all. I will have to verify the last time I was contacted for collection on this matter but I do know that I have no written documentation from this company. 

I believe this to be a unfair practices as best and possibly outright fraud. As I stated the only part of what they revealed to the third party that was correct was that I had business dealings with cash net. The dates and amounts were incorrect and the fact that they can not find someone at their address for XXXX years is ridiculous. 

Thank you for your assistance in this matter.
XXXX XXXX XXXX XXXX XXXX provided my personal information to a third party without written or verbal consent. They sent my information to CMRE collection agency. They are in violation of XXXX laws.