WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage was sold to SLS in XXXX 2016 and our monthly mortgage is paid bi-weekly on an ongoing basis. In XXXX 2016 we were notified that our mortgage is past due, even through we were making regular partial payments that exceed the minimum monthly payment. We spoke to representatives at SLS in XXXX, XXXX, and multiple times in XXXX to resolve how payments were applied. Research done by a representative XXXX and determined that our partial payments were not held in suspense and applied to our monthly payment as was our understanding. It was determined that we had a total of XXXX monthly payments made in excess. Every representative that we spoke to, in excess of 7 times, opened a new ticket to get our XXXX surplus payments ( XXXX partial payments ) applied appropriately towards our excess payments. After every ticket is opened, SLS offers no call back for resolution and we have to call back in 3-5 business days to confirm. Every time we call back, a new ticket is opened for the file. We escalate the calls to management with no resolution, get transferred to Executive Services, all with no resolution.
XXXX XXXX XXXX amount is XXXX and does not belong to me.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
In XX/XX/2018 I performed a n {$18000.00} balance transfer to a promotional 0 % offer on my USAA credit cards. I spoke with a representative prior to confirm I could continue using the card for everyday spending, and that my payments would be applies as follows : minimum payment to fees, interest, and/or the balance transfer and that all payment in excess would be applied to the higher interest purchases. It was obvious very quickly that I was being charged interest every month on my new purchases, despite paying enough to cover the minimum payment an new purchases. I spoke with USAA again, it was possible it was because of the timing when I would make my payments. Over the next several months I tried various things and was always being charged interest. Finally, I decided not to spend any more on this card and only have the balance transfer on it. My new spending for the cycle ending XX/XX/XXXX on XX/XX/XXXX was {$3300.00} and my balance transfer balance balance was {$13000.00}. XX/XX/XXXX I paid {$3500.00}, and on XX/XX/XXXX I paid {$1000.00}. On my XX/XX/XXXX statement my Balance transfer balance is now only {$100000.00}. This means of my {$4500.00} XXXX payments roughly {$2400.00} was paid on my balance transfer at 0 percent interest. The application of my payments has not followed any prescribed formula that they told me, and also violates the rules set forth in the CARD Act regarding applying payments to the highest rate balance first. I have asked the company repeatedly to address this, they will not.
I contacted Chase auto finance to inquire about a deferment to offsite unexpected moving expenses. I was read disclosures about the deferment being approved, including the new loan terms. I was advised my gap policy would expire on the original loan expiration date. I was told to cancel my autopay so I didn't pay during the agreed upon deferment. Then I was transferred to someone else who told me they apologized for the misinformation I was provided but I didn't qualify for a deferment. At which point I asked to speak with a manager. The managwr assured me they would do two things. 1. Send the coaching opp to the manager of the first agent I spoke with. 2. Have the call reviewed for reconsideration for the deferment by the second agent I spoke with and that I'd receive a call back within 48 hours. 2 days later and still no call. So I call back and speak with a different manager who says I have no follow up scheduled and that the issue was resolved the first call. After going back and forth with him for a while he said he's open a case and have the first manager I spoke to call me within the day. It's now been 3 business days and I've not heard from anyone.
I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to XXXX years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old.
XX/2015 I voluntarily surrendered my vehicle in question to XXXX XXXX, this is the first thing they are showing incorrectly. Second I was never late on a payment. Third they have sold this account to a collection agency XXXX XXXX XXXX so now XXXX XXXX and XXXX XXXX XXXX are showing on my credit reports. I have disputed this several times through the credit bureau 's and called XXXX XXXX on many occasions to no avail. I 'm not saying its not my account, just one needs to be removed or the other reporting correctly.
XXXX XXXX XXXX ACCOUNT # : XXXX. Company of XXXX. XXXX XXXX XXXX XXXX, FL XXXX. Phone : XXXX XXXX My name is XXXX XXXX XXXX XXXX. In the past I had the service with XXXX, XXXX years of contract which I finished but I still had the service out of contract, after a few months I called a XXXX agent to offer HD on my television and several times insisted with the offer while, I reiterated that I did not want any more contracts, that it was okay, I remember that I told her that my television looked perfect and I did not want the HD, she insisted, because I remember well that it was a woman and I told her that I did not want anything, She wanted contracts and she answered that it was free, that it was not a contract, to which she replied : If you want to give that service free, it 's fine, but I do not want contracts. This whole conversation was in XXXX. From there I continued with the service until I went to see the offer of XXXX, which by the way was unsurpassed by any company, included high speed Internet with television, including 3 months with free PPV channels, XXXX, XXXX, XXXX, XXXX. All this for a price of {$44.00} including taxes without a contract for XXXX year. After deciding on this option I called XXXX to disconnect the service and I learned that I had been awarded a contract, which I did not do at any time, nor gave such consent verbal or written, and I can only think that whoever awarded me the contract Contract made fraud to win the commission of that contract. The XXXX Costumer Service informed me that for breaking a contract that I never had to pay 200 and some dollars plus the amount of equipment, equipment that I returned and after calling to discuss the fraud told me that they had received them but that Now continue to charge you through a collection company to which XXXX, you, sold the liar and false debt. That same company has reported me to the credit bureau and in any case, although I report to XXXX to the Federal Bureau of Commerce for fraud and dishonest practices against the consumer, in the credit bureau have not been able to remove that report despite my insistence, That being said, it is my right to require directives from XXXX verbal or written evidence where you state that I gave my consent for a " HD '' contract. To send them to the growing office, or XXXX withdrew that fraud or if not, if they do not remove that fraudulent attempt to collect I will direct to file a police report against XXXX for consumer fraud or I will go in person to any other Office of the State of Florida or XXXX XXXX County to file a complaint. It is a lack of respect that they award fraudulent contracts to consumers and I demand that all indications of connection with XXXX and myself are deleted absolutely.
I went onto Springleaf 's website to see if I prequalified, and it states " I understand that checking to see if a prequalified offer is available for me will not affect my credit score and that this is not a loan application. If an offer is available for me, I will still need to apply. '' So I have never been told that I need to apply, I was asked more information. This morning I had a hard inquiry but I never signed anything or was told that they will be doing a hard pull on my credit report or I would have not gone through with giving anymore information. I called and the lady said that ALL financial companies do a hard pull. So I feel like they trick the customer by showing this will no affect your credit score. They should have told me that up front but they did not.
Loan information for :  XXXX   XXXX   School  :  SCHOOL CODE FOR CONSOLIDATION LO ANS Enrollment Status : WITHDRAWN as of   XX/XX/XXXX   Loan Type :  FFEL CONSOLIDATED Loan Period Be gin Date : Loan Period End Date : Total Borrowed : {$42000.00} Outstanding Principal as of   XX/XX/XXXX   : {$200000.00} Outstanding Interest as of   XX/XX/XXXX   : {$690.00} Interest Rat e : 9.00 % Loan   Disbursement Date Disbursement Amount   XX/XX/XXXX   {$42000.00} The above is my issue. I have never made enough money to afford to live and repay my student loans. The loan has ruined my life. I can not get a loan and m y credit score i s low because of the large outstanding balance which has been increase t imes 6. At the  time that I borrowed, the interest rate was n ot 9 %. I will  never be able to repay this loan in my lifetime. Can you please help me to negotiate with the loan complany?
XXXX XXXX XXXX has been popping up on my credit report for the last 2 years. Stating that I owe them the amount of XXXX from a XXXX loan that was opened in my name from identity fraud. I have sent them multiple letters stating this is a part of identity theft, i've also sent them a police report from my then local police department with the item listed as apart of the identity theft. they continue to not Validate this debt and since i am a Florida resident they aren't boded or license to collect debt in this state. This debt is hurting my ability to purchase my home. They removed the debt and admitted fault in XX/XX/2017 and has since then been reporting agin to my XXXX XXXX and XXXX reports! This is completely illegal what they are doing!
Wells Fargo texted me and advised my credit card had been compromised. They canceled my existing card and issued a new one. For four straight weeks they sent me a new credit card which then had to be canceled. At the end of this cycle on XX/XX/2018, {$20000.00} was removed from my checking account by XXXX XXXX XXXX  -- without authorization. Wells Fargo advised the two incidences were unrelated. In four days the funds were returned. When I asked for an explanation of the missing funds i.e. was this a theft or a mistake, I was told, " We don't know. '' When asked if they would/could find out, they replied no, " Wells Fargo will not pay to subpoena XXXX XXXX XXXX records. '' They persisted in this non-response and said I should subpoena the records myself. I contacted the CEO 's office which complied with the branch 's non-cooperation and indicated they would not contact law enforcement. When I asked if someone stole {$20000.00} from the bank at the point of a gun would they then contact law enforcement, they replied, " Yes but that is a different situation. '' It hardly seems unreasonable to me to get an explanation for a {$20000.00} theft/mistake but Wells Fargo is resolute in their unresponsiveness. This may be an industry standard and, if it is, it seems to profit Wells Fargo and XXXX XXXX XXXX  to the disadvantage of the customer.
They said they updating their system XXXX been calling for a week about my account and to get a new card because I lost my old one I keep calling Rushcard and the phone just keep hanging up and my benefits come on that card in about week please help me
I contacted Chase Auto Finance since my report shows that the account was over 30 days late and the account has never been over 30 days late. The representative in the credit disputes department stated that he would investigate it for me since I am in the process of purchasing a home and this has ruined my credit score. The representative told me that when I requested a deferment that is what caused my account to show as over 30 days late. I explained that I was not advised of that, and had I have knows that was going to happen I would have not deferred any car payments. I asked the representative that and she explained that would not happen.
I have been banking with Chase bank for many years back when they were Washington Mutual. I work late in the evening so I do most of my banking online and through ATM 's. On Saturday XXXX XXXX. I made a deposit in the lobby of my local Chase bank for {$940.00}. The machine malfunctioned and gave me a receipt saying I deposited {$80.00}!!. I immediately freaked out looking for my money in the return slot and nothing! I immediately called Chase claims and asked what I should do. I did not want to leave the machine for fear my money would come out. The representative assured me they had cameras so if anything like that happened it would be OK. She put a temporary credit on my account and said they would investigate. 2 1/2 weeks later I receive a letter saying they completed the investigation and they would be taking the {$860.00} back out of my account!!! I called claims and they were no help. They just told me the money was not showing in the report. I was furious and so upset. I demanded they check the cameras and give me a copy of the tape. They said they would only do that if I had a subpoena. I went into my local branch and asked for their help. They escalated this to another office who did a review and denied the claim again. I asked for a manager and they said they would have to have one call me back and NO ONE has even had the courtesy to return my call. I have banked here for years. I have a personal account, a youth account for my daughter and a business account. Their customer service is terrible and they have stole my money. I feel so helpless. My money should be safe when I use their ATM but it was n't. They continue to tell me they can not find the money but I feel they are just looking at the report and not going the extra mile to investigate. Did they do another audit of the machine. Did they check the machine again? Did they check the tape? Did they have a recording of the person who took the money out of the machine. I should not be responsible if they stole my money. I work hard for my money and {$860.00} is a lot of money for me. Not only am I out that money but now this threatens to hurt my credit and keep me form opening an account with other banks in the future. Please help me because Chase is doing nothing!!!!
i applied for a credit card on XX/XX/18 with XXXX XXXX an i got denied based on my credit report that was send from experian with all type of inaccurate things on my report. which caused me to denied for credit.
Transunion has refused to send verification of debt, that is n't mine, and they have n't responded to any of my disputes. I have already filed a lawsuit. They have gone against the law by refusing to delete items off of the report that do not belong to me. They had addresses that I had to call and ask them to remove that did n't belong to me. They have literally refused to remove the items off of my report that do not belong to me. I am tired of disputing and have been since XXXX of 2016. I am done trying. I have officially filed suit. The only way that I will withdraw it, is if they remove the items specified in the intent to sue letter. They also refused to remove inquiries off of my report that was removed in the breach earlier this year that they put back on there. Lastly, the only name that should be listed on the report is XXXX XXXX XXXX. That is it.
I set up a personal checking account with a bank XX/XX/XXXX. I had been " taken '' by a scam artist who wired money into my account, but later, after the account was " purged '' the bank produced an actual check made out to me and had supposedly my endorsement on the back. After the bank and I realized I had been " taken '' the manager informed me that I would n't be responsible for the loss but to make sure that this never happens again.I gave the manager as much detailed information about the man, along with contact information, as I could. I was instructed to file a police report, which I did online and received a case number. THIS IS MY COMPLAINT. XX/XX/XXXX, I went to open an account with another bank and I was declined. I requested a report from ChexSystems, which is who they verify possible new customers information with, and I see that I am on ChexSystems for SUSPECTED FRAUD ACTIVITY, Closure Status : UNPAID Original Charge Off Amount : $ XXX.XX with the bank that I had the issue with the scam artist. This is frustrating because I was told not to " worry about it, just file a police report ''. ( XXXX XXXX PD. XXXX, is the case number ) Well, now I 'm having to " worry about it ''. When I attempt to call their customer service line, I am on hold indefinitely. Luckily, I have an account opened with another bank, which I had opened before this mess, but I should not be in ChexSystems since this was a case of Fraud Activity and the account was purged. I do not have a history of doing such acts. This must be resolved.
I have a savings account denominated in XXXX at Bank of China. They charge above market rates ( almost 1 %! ) to convert from USD to CNY and vice versa, and I already paid that premium to get in. Now I would like to get out, but I do not want to pay their excessive bid-ask spread. Since they are not willing to give the fair market rate, I would like to move my money to a broker ( e.g. Interactive Brokers ), where I can trade at the fair market rate. 

I thought of XXXX solutions : 1 ) They let me wire my XXXX there, or 2 ) They let we withdraw it as cash/check so I can deposit it there. However, the branch employees tell me I need to convert to USD first before wiring, and that the physical withdrawal limit is very small per day ( it would take me half a year to withdraw my savings ). Basically, they want to force me to pay their excessive spread on the currency rate. 

It does not seem legal to me to prevent me from transferring/withdrawing my own money how I see fit. I understand money laundering concerns, but they can do as much background check on me as they like, and see that I am clean. It seems to me I should be able to withdraw my money in any form and quantity I want. Thanks.
On XX/XX/2018, I sent a Certified Debt validation letter to XXXX, Equifax, and XXXX  requesting the stated companies provide me with validation of debt for the five accounts listed on my credit report as negative/closed. These accounts are listed incorrectly on my credit report. I have yet to receive any proof of verification of the debts saying that I am obligated to pay them. I have sent in a total of three letters dated, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have proof of the letters sent and reciepts for the certified mail. These five accounts are seriously impacting my credit score and is keeping me from obtaining new credit.
My identity was stolen in 2014 my purse ( which included my license, social security card, pictures etc. ) I had to shut down all bank accounts so I would n't have told you that something cleared my bank. Also my personal information was leaked online to public information sites ( see attachment ) anyone can google my name and obtain detailed information about me which I 'm trying to get removed off line. I do n't even live in New Jersey. Nothing has been presented to me as verification of debt either by Trident or XXXX online. 

Disclaimer advise by lawyer to note : I did not authorize any debts to be brought by a third party company. I did not authorize my personal information such as name, address, social security number, Date of Birth to be given or brought by a third party company, if you are not the company at which I acquired a debt you are a third party company. I have the legal right to protect my identity, if any debts are owed the originally company can send proper verification i.e. a signed legal document explaining my debt.
My husband and I rented a house from XXXX XXXX XXXX of XXXX, XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX, XXXX, Florida XXXX. 

After several months of chronic plumbing problems that rendered part of the house unusable, created a credible risk of black mold, and destroyed hundreds ( probably thousands ) of dollars of our personal property, we terminated the lease and vacated the property by mutual agreement with XXXX XXXX XXXX. 

We left the house in pristine condition, and we have almost 70 photographs as proof ( plus 5 photos of the plumbing repair disaster and 4 photos of the damage to the adjacent walls and ceiling in the garage that was caused by their negligence and botched plumbing repairs ). 

Nevertheless, XXXX XXXX XXXX sent us a statement claiming that we owed them {$4500.00} for what amounted to normal wear and tear ( in violation of Florida law ) and for the property damage that was caused by their own negligence in failing to properly address the plumbing issues. They also refused to return our security deposit ( {$2400.00} ) without making a proper claim in accordance with Florida law. 

At some point, XXXX XXXX XXXX sold that alleged " debt '' to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida XXXX, who is now reporting it to Equifax, XXXX, and XXXX. 

We have repeatedly disputed that line item on both of our credit reports with all three credit reporting agencies as well as XXXX XXXX XXXX directly. 

We have provided detailed correspondence complete with the photographs proving our position to all four of those entities. 

We have demanded a description of the reinvestigation procedures in accordance with FCRA 611 ( a ) ( 7 ) from each of the three reporting agencies. 

We have provided information to all four entities showing that the President, Secretary, and Treasurer of XXXX XXXX XXXX who made the initial claims in the first place ( XXXX XXXX XXXX ) has been disbarred for unethical, fraudulent, and dishonest conduct ( including making false claims and fabricating evidence ). 

We have notified all four entities of our intent to file suit against them. 

And we have sent FS 627.4137 pre-suit demands for insurance information in preparation of that lawsuit. 

Incredibly, none of those things has gotten their attention. XXXX has ignored all our correspondence, and the three reporting agencies simply continue to claim that they are " investigating '' the alleged debt before " verifying '' it and notifying us that it will remain on our reports. Despite our repeated demands, none of them has ever provided any FCRA 611 ( a ) ( 7 ) information, addressed in any way the 70+ photographs and other documentation that we have repeatedly provided to them, or responded to us in anything other than a cursory and disingenuous manner. 

We are hoping that we can get some relief through you rather than having to go through the extended mechanics of a lawsuit and jury trial.
XXXX XXXX loan was sold to Frederick J. Hanna and assoiciates. Hanna and associates will not return any of my calls nor will they send any receipt of payment that was sent for a {$500.00} payment by money order to their office. Customer service agents do this on purpose so that they wo n't have to work with the customer and immediately set debtor up with garnishment, as in my case.
I have a letter stating from American Express a balance owed of {$3500.00}. That has a full settlement amount agreement of {$200.00} which was paid in full. And they are still contacting me to pay more. I have the original copy of the letter