WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for the Chase XXXX credit card and the contract included a XXXX for XXXX International Business Companion benefit. However, that benefit was NOT as advertised. I paid for a year of the benefit ( per the contract ) and those benefits did not last the year I paid for - they actually were restricted and ended on XXXX XXXX, 2015. Chase blatantly lied about the card 's benefits so I want my annual fee back.
The problem is that the credit card company keeps using my information with some one else who has a car or a mortgage using my name I have been having problems with this force some time the problem is that I know how much credit I have used and I know how much credit I have not used that is a sign that I am responsible enough o know how much credit I have not used the other problem is that company 's should not be allowed to just tthrow any collections on my report the goal is to get the money if the company do not want to goq to couirut and XXXX XXXX the money then why make it easy force them to just throw some frivilouse non payment on my credit I have never bought a car or a house because of the fact that fir so many years in this XXXX company ' s have it to easy to just throw non payment debt on a person credit company 's should be forced to take the matter to court and discpute the claim not let it sit and XXXXDo nothing company 's know how much deceptive trade practicing they are minipulating and using all my life I have not bought a house because of the fact that the laws for credit bureas accountble. Credit reporting have gone unprotected force consumers like me who actually have the money to get a loan and pay it back if I wanted to do that I need to know what an be done by you to fix this or is this just some dumb complaint line going no wear resolving nothing you tell me!!!!!!
I reached out to Green Tree in hoping to get some answers on a home loan. I was contacted by XXXX XXXX in the XXXX, NJ office. I gave him my social security number, income, address and all necessary information to run my credit. 

He replied back to me with my credit score and that he would get back to me with a financial plan. 

I waited over 5 days to hear back from him, meanwhile the realtor is awaiting this information. I had to send him a follow-up email on the status. 

He stated, " Good luck, you will need it. '' I then got upset because his customer service skills were horrible. I advised him I would never deal with him or Green Tree due to his poor communication skills. 

At XXXX, he then sent me another email stating, " I truly apologize. I did n't like the tone of your email and gave you a nasty reply. It was childish and I was wrong. So I am sorry. I had a rough day, your email set me off, and I made a mistake. 

I thought we did try to help you. If I recall, you said there were items on the report that were n't yours. We sent you a copy of the report so you could see what was on there. We could n't do anything based on the report and your resulting income to debt ratios. So I thought we tried helping you by letting you know what was on there, and apologize if you think we did not. There 's nothing I can do to remove those items. You will have to get in touch with the credit bureaus to see why they were showing up. That seemed to be the main issue and you will have that issue with any lender, as those items will continue showing up on your report. 

Again, I apologize sincerely and hope you have a good night " I am writing you this email so you know what type of employee XXXX is. 

Thank you for your time.
Since I have started repayment on my parent plus loans for my children, I have had to call in monthly as something is always wrong. I could be all say they are repayment except one when I have asked for them to all be repayment, eft money has been taken out on a different date with out my knowledge or consent, online statement and loan information does not match or reflect a true payment amount or posting timeframe or amount. They tell me they will fix something and they do not fix it in a timely manner causing me to call back. I no longer trust the business or the rep that I am talking to. I have never had a month of satisfaction yet. Before I heard the news about being sued I had already started researching how to pull these out of this serving company. I would like to be able to take this to my local trustworthy bank.
I sent a domestic wire transfer to Coinbase Inc on XX/XX/XXXX 2018 for {$2500.00} from my verified and linked checking account. The funds have since been deducted from my checking account and show up as a past transfer. 

I have already completed numerous transactions using said account ( and linked debit card ) including a previous wire deposit not long ago ( which only took 1 business day ). 

Despite being more than 1 week later, the funds have not been made available in my corresponding Coinbase account. 

After opening a support ticket, I simply got a canned/generated response asking for the details of my transfer ( which were already included in the support ticket submitted ). This is simply a delay tactic in my eyes. 

This is an unacceptable procure of handing customer funds, especially given that the wire transfer was successfully sent 1 week ago and paying more for to have the funds available in a timely manner.
GC Services ( XXXX ) is a student loan collection company. I 've written them many times asking them to NOT call my work. They always will continue to do so. They 've verbally told me that they 'll continue to call my work, even if it risk me losing my job.
I applied for assistance in saving my home with Bank of America. I hired an attorney to submit my offer to settle a second mortgage as a solution to my foreclosure situation. My request for assistance was faxed to Bank of America on XXXX/XXXX/2015 and I was issued a 5 day letter dated XXXX/XXXX/2015 confirming my complete financial information was received and that I should have an answer within 30 days. In the letter Bank of America says " The evaluation process should not take more than 30 days ''. ( See attached letter ). As of today Bank of America still has not responded to my request with an answer. It has been two months and five days since that request. I just received a foreclosure certificate stating Bank of America can now foreclose. While Bank of America is stalling on my review, the foreclosure process is moving forward and I have lost time I needed to be able to figure out how to save my home. I am sure they are doing this on purpose because my attorney has been calling them to follow up on the request almost weekly since the date it was submitted. I believe Bank of America is evading review of my request for assistance in order to dual track and burn time so as to be able to just foreclose my home without allowing me time to try and save it. Per my attorney this is in complete violation of RESPA Reg X ( 1024.41 ) which states a servicer shall complete a review of a request for assistance within 30 days of that request. We are now over 65 days past my request for assistance and I have nothing from Bank of America except a foreclosure certificate stating they may now foreclose ( Attached ). My attorney has also faxed the foreclosure attorney, XXXX advising them that I am under review for loss mitigation as of XXXX/XXXX/2015. XXXX has responded that they have been instructed to move forward with foreclosure. This is as of XXXX/XXXX/2015, which is after my submission was confirmed on XXXX/XXXX/2015. Even though XXXX has been made aware that I am under an active review for loss mitigation, they still state they will not stop the foreclosure process. I do not understand how both of these companies can simply ignore RESPA law.
On XXXX/XXXX/16 at around XXXX i had a horrible customer service experience with employee, " XXXX XXXX '' at Ability Recovery Services. I have never been treated with such disrespect from a customer service representative, let alone another human being in my life. Upon inquiring about negotiating a loan payment, XXXX XXXX became irate, disrespectful, and extremely unprofessional. During our conversation he threatened that he was going to, " play with my credit '' and alluded to putting my account into bad standing. After asking XXXX XXXX to be transferred to a manager or a new representative at the very least, he aggressively replied, " this isn '' t XXXX XXXX, you ca n't always get what you want. '' As you can imagine the whole conversation has left me in disbelief at this point. I replied, " Excuse me '' And in an extremely XXXX disrespectful tone he replied, " you 're excused '' followed by him yelling that my account would be placed into bad standing and that i could n't always get what I wanted. After XXXX XXXX abruptly hung up on me i tried calling back several times in hopes of speaking with a new rep. only to be aggressively and unprofessionally met by XXXX XXXX. After asking to speak with a manager he yelled, " XXXX, you ca n't always get what you want!! There is no other manager, I am the manager of your account!! '' I am in absolute shock at how horribly I was treated and I am extremely disappointed in Ability Recovery Services. My experience has left me feeling XXXX, XXXX, and unsafe due to XXXX XXXX ' threats. I do not feel that XXXX XXXX is fit to have access to such sensitive and personal information. XXXX XXXX prejudice behavior towards me makes me fearful ; not only that he has all of my my personal information, but also that he has expressed intent to use it in a malicious manner. I am 100 % dissatisfied with my overall experience with Ability Recovery Services. As a result of the discriminatory behavior i have endured on behalf of, XXXX XXXX, I believe that I am owed compensation from Ability Recovery Services. How unfortunate that because of my gender, my ethnicity, and my " social class '' I had to endure discrimination when simply trying to pay my debt and better my life.
XX/XX/XXXX   -    XXXX   XXXX   XXXX   XXXX   XXXX   (  XXXX  ) automatic payment service (    XXXX   XXXX  /mo  ) failed to cover a {$0.00} balance on my HELOC accoun t.  XX/XX/XXXX  -  I noticed a 30-59 day delinquent report on my report for my  XXXX    XXXX   reported by  XXXX . This was not reflected on my Equifax re port.   XX/XX/XXXX   -  I contacted   XXXX   requesting that they update and correct my credit score over this error in their auto-pay system. They agreed and said it would be a few days to update on my credit reports. The update was reflected on the Equifax report but not the   XXXX   report.     XX/XX/XXXX  - I  disputed the delinquency on  XXXX  web site, which had lowered my credit scores  XXXX  and  XXXX , mentioning that Equifax was correctly reporting a 100 % payment reco rd.  XX/XX/XXXX  - Wh ile I did not receive   XXXX   XXXX   promised " Dispute Resolution Email '', I noticed that the Equifax reporting history reflected the 30-59 day delinquency within two days of the dispute. Never did I receive an investigation resolution email.     XX/XX/XXXX I a gain asked  XXXX  to correct and update my credit record. Within two days, Equifax corrected the record to reflect a 100 % on time payment record, while   XXXX   did no t.  XX/XX/XXXX  I aga in disputed the record via   XXXX   XXXX   web site claiming that I never received a Dispute Resolution Email the first time reported and that this is still incorre ct. XX/XX/XXXX  No response receive d from  XXXX , but again, my Equifax score dropped  XXXX  points to  XXXX  from  XXXX  the only change being a 30-59 day delinquent charge, coincidental with the dispute of   XXXX   XXXX   repo rt.  XX/XX/XXXX  to d ate, no response from  XXXX  regarding my any of my efforts to dispute and correct this report.
The  XXXX  score and the  XXXX  score which they provide affects my access to loans for which I qualify and could affect my auto insurance rates, among others, of which I may not be aware.
My old landlord is trying to come after me over a debt I do n't owe they sent me papers with my exs name on them and he was listed as a tenet I no longer have them papers but did take pics of them and of the parts that show only his name listed as a tenet and the letter being addressed to him when this debt occurred I was no longer living in the apartment and they told me I was takin off the lease I want this debt removed from my report because I do not owe it and have prof I was living else where when the debt occurred I told them that but no one ever got back to me on it.
I have tried on numerous occasions to lower my monthly payment due to a decrease in my families income ( my wife and I just had a child and therefore she is not currently working ). Navient was not able to reduce my monthly payments or even put my loans on temporary forbearance. I am either forced to continue to pay this amount we can not afford or default on payments and have my credit affected.
I had a collection with RPM ( Receivables Performance Management ) agency. on XXXX XXXX XXXX I paid off me monthly payment and got the conformation email from them, but still in XXXX it is in my credit report, I tried to call them and find out about the issue, but all the time when they ask my firs and last name the hang up the phone. I called the XXXX the company that sent my bill to the collection agency, they said I am good in their system and I have to talk to the collection agency. I am not able to talk to them and solve my problem and my credit is awful. I can not even rent an apartment because of that. would you please advice. 
best regards, XXXX XXXX
I am a XXXX veteran who is tax deferred on property tax. I obtained a mortgage in XXXX. 2016, 7 months later a letter from Wells Fargo states that my new payment will be XXXX instead of XXXX due to a shortage in my escrow. I called and they said they paid my taxes of XXXX and I told them I am tax deferred and they made a mistake. They say they cant change back to my original payment until they get their money back from the town of XXXX XXXX, NJ. XXXX and XXXX they let me pay my XXXX over the phone now they wont, but they put a extension until XXXX XXXX to pay the XXXX. The town is working to give back the bank its money but they have to go threw a process which takes time. So why am I being burdened for their incompetence?
I know I 'm being charged a very high interest with Ally financial for my auto loan, and the dealership that sold me the vehicle ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) charged me over {$7000.00} dollars more for XXXX insurance that I did n't ask for, along with an additional warranty contract in which I did n't ask for. My vehicle price was {$13000.00} but with the above additional charges my contract says my total financed is {$20000.00} along with a 15.45 % interest rate. I received paperwork regarding the settlement for and Ally has n't modified my loan, so I 'm still paying the same high interest rate, which I can not afford and this has affected my credit, to the point I ca n't even refinance with another lender due to the negative reports from Ally Financial on my credit report. I want to get out of this loan and have my credit report corrected due to the unfairness Ally financial and XXXX XXXX XXXX XXXX NJ has caused me to endure. It 's bad enough that I have been discriminated against because of my race, which I would n't have known about if it was n't for the information from CFPB, but this is affecting my credit in a negative matter where I ca n't even get a lender to refinance me.
Company called " Student Loan Consolidation '' charged me {$400.00} they promised my loan would be forgiven. I just found out today that the loan is n't forgiven for 20 to 25 years the gentleman I spoke to lied to me and told me my loan would be forgiven sooner than 10 years. Nowhere in my contract does it say that it would take that long. Also my loan was supposed to be forgiven and now it is in forbearance.
Due to unemployment, I defaulted on a personal loan in the amount of {$14000.00}, extended to me by Avant, in XX/XX/XXXX. The predatory ( unbeknownst to me at the time ) interest rate charged on the loan was 29.99 %. I made timely payments, through, and including XX/XX/XXXX, totaling {$7000.00} ( $ XXXXPrincipal + $ XXXX-Interest, applying their predatory interest rate ). By these calculations, the amount outstanding is {$11000.00}. If complying with the maximum interest rate allowable via VA Code ( 12 % ), I believe my indebtedness to Avant is {$9100.00}. Either way, the collection agency and/or attorney now handling the matter erroneously indicate that I owe {$13000.00}. 

I am now unclear as to whom the debt is owed or to whom I should respond to, as I have received correspondence from : XXXX XXXX XXXX, XXXX, dated : XX/XX/XXXX ( Notice of Intent to File Civil Suit ), XXXX, XXXX ( two separate pieces of correspondence ), XXXX ; and XXXX XXXX XXXX d/b/a or on behalf of XXXX XXXX XXXX, dated : XX/XX/XXXX ( two separate pieces of correspondence ), and XX/XX/XXXX. 

None of the above-referenced correspondence directly address my dispute, sent to XXXX XXXX XXXX, XXXX, via certified mail, XX/XX/XXXX, and XX/XX/XXXX.
Equifax is reporting an account that was previously deleted from my credit report from XXXX, and sold to XXXX XXXX. and they started reporting the account on my credit report without sending out any notices in writing as required under FCRA and FDCPA. I have disputed these alleged account several times alone with documentation showing that this account was previous deleted from my credit report. I contacted XXXX to request verification of the debt after I saw it on my credit report and asked them why they did n't notify me before they placed these alleged accounts on my credit reports. I have documentation that shows a zero balance from another company that had these alleged accounts. I want these alleged accounts removed and not resold to another collection company so it can be placed back on my credit report. The Collection company is also in violation of changing the dates of these alleged accounts.
I recently applied for a business account with XXXX XXXX on XX/XX/XXXX for my business XXXX XXXXXXXX XXXX. 
I Provided business EIN, Business Phone, etc. Account was not approved, I was told I need to contact XXXX XXXX to provide additional information. I did not. 

A few days later on XX/XX/XXXX the account inquiry appears on my personal credit report. I called XXXX XXXX and they said they do not have anything associated with my personal. No personal account etc. I called Equifax the reporting agency they said XXXX XXXX definitely did it, otherwise they wouldn't have reported it. 

I spent 2 hours being transferred from department to department at XXXX XXXX. Finally speaking with the Executive Team ( XXXX ). XXXX said, XXXX XXXX could not assist me, it has nothing to do with them. She referred me to XXXX.
I had closed my credit card with Bank of America X/XX/2017 # XXXX due to someone hacked into my credit card. After closing my account, Bank of America were allowing money laundering activities to take place in my closed account. 

Up to about {$10000.00} telephone transfer was deposit into my account and similar amount rejected or send back to someone ( I do n't know to who ).  Bank of America have not stop these activities nor block my account at all. 

XX/XX/XXXX - {$1000.00} deposit/withdraw XX/XX/XXXX - {$1000.00} deposit/etc. 
XX/XX/XXXX - {$200.00} deposit/etcXX/XX/XXXX- {$1100.00} deposit/etc. XX/XX/XXXX -XX/XX/XXXX {$1500.00} deposit/etc.XX/XX/XXXX - {$1800.00} deposit/etc.
XX/XX/XXXX - {$1700.00} deposit/etc.
On X/XX/2017, I had emailed " XXXXXXXXXXXX ' '' to resolve fraudulent activities/money laundering. I had received zero response from XXXX. 

XXXX, After closing my checking account AND my credit card account, there are continuous Suspicious Activities occurring in my closed credit card account which I am NOT responsible for because the credit card account was already closed. 

Please STOP allowing my CLOSED ACCOUNT to act as a vehicle for money laundering activities immediately. 

Please track all the telephone transfer going into my account as Suspicious Activities - they are NOT MINE. 

Any withdraw leaving out of my account going to any 3rd parties checking are Suspicious Activities - they are NOT MINE. 

Please reference that these were Bank of America internal controls at fault, not catching closed credit card activities and allowing for repetitive deposit and withdraws into and out of a closed credit card account - they are NOT MINE. 

Due to the credit card account was hacked, I had already reported the account was to be closed. Did BofA monitor the hacked account and activities? I had received half a dozen correspondence of deposit and withdraw after a closed account. 

As these are in the tunes of over $ 5,000+ ... NOT my activities, I am holding BofA liable in allowing my closed account to be used to conducting criminal activities and money laundering. Please respond by Tuesday XX/XX/XXXX close of business that I am not responsible for all activities in and out of my account after the account was closed or I will report this to CFPB and OCC. - XXXX XXXX On X/XX/2017, after I had received the {$1700.00} deposit into my closing account, I had called BofA again, and no one was able to access my account in the fraud department ( OMG ) and no one was not able to help me after transferring me. Please shut down BofA for wire fraud/mail fraud/money transfer fraud and release me from any liabilities as whistle blower. XXXX
Bill was sent to Mom in XXXX. It was an XXXX bill pertaining to a XXXX appt. for my Dad, who died in early XXXX. I called XXXX to see what action should be taken as my Mom doesn't have the money to pay this bill, and it was my father 's bill. They said my mother had to pay the bill. No payment plan was available. Apparently, XXXX then changed the address to my Mother 's name to send more bills. 
I took the bill and paid it XXXX XXXX. This week Mom got another bill from XXXX 's collection agency, Alliance Collection Agencies , Inc. of XXXX WI. 
This bill/letter is mostly in " bold '' print and threatening debt collection judgement against my XXXX year old Mom, and the bill was already paid! I called XXXX and they said they had recieved the check in XXXX, but it was sitting in an " ink '' account and did not get processed. 
What is an " ink '' account? And why would they not process the check and send it to a collection agency, even though they have their money? This is a bad practice!
I am in the middle of trying to close on a mortgage, and at first XXXX was refusing to take a persistent dispute notation off my account, today on XX/XX/2016 i find out on XX/XX/2016 the creditor Blakely Witt and Assoc, denied my request to get a persistent dispute notation removed off my credit, now they are holding my credit report hostage and not allowing me to close on a home loan, time is of the essence as i was fighting XXXX for weeks and now i have to fight them over this. I am expected to close in the next couple weeks, and still can not get approved due to this persistent dispute notation that they are now holding my report hostage preventing me from a home loan, if this keeps up i am going to lose my escrow money. Please help