WillisBack/dataset-financial-user-claim huggingface dataset:
SUBMITTED APPLICATION FOR A FORD VEHICLE THROUGH FORD CREDIT FOR A LEASE OF A VEHICLE.

THE MONTHLY AMOUNT OF THE VEHICLE WOULD BE LESS THAN {$300.00} AND MONTHLY GROSS INCOME IS {$2000.00} SUBMITTED ON XX/XX/XXXX ( BLACK FRIDAY ) AND ONCE PRIOR TO THIS DATE.

FORD CREDIT DENIED FORD CREDIT FOR A LEASE, REFUSED THE BASIS FOR THE CREDIT DENIAL THEN GAVE VAGUE ANSWERS AS TO THE DENIAL.

DENIED THE OPPORTUNITY TO SPEAK WITH FORD CREDIT AS TO THE DENIAL AND THE DECISION AND WAS ONLY TOLD BY A DEALERSHIP EMPLOYEE THAT A COMPUTER HAD THE LISTED CRITERIA UNDER MY NAME ; ( NONE OF WHICH WERE TRUE ) AS : 1. JUST A SHOPPER ; 2. A LARGE AMOUNT OF REVOLVING CREDIT CARDS ; 3. PENALIZED FOR NOT BEING A VEHICLE OWNER, 4. AND NO FURTHER INFORMATION WAS PROVIDED AND THE REQUEST FOR WRITTEN DOCUMENTATION OF THE DENIAL AND REASONS FOR DENIAL WERE DENIED. ( AMONG OTHER NEGATIVE TREATMENT ).

5. DESPITE THE FACT THAT A PRE-approvAL by XXXX XXXX for same priced vehicle, WAS PROVIDED BY XXXX XXXX BASED ON THE SAME CREDIT AND FICO SCORE FROM CREDIT PULLED ONE WEEK PRIOR ON XX/XX/2018.

TOLD THAT FORD CREDIT WILL DENY CREDIT NO MATTER WHERE AN APPLICATION FOR A VEHICLE OF ANY KIND IS SUBMITTED BY FORD AND THAT THE OPTION TO GO TO ANY OTHER FORD DEALERSHIP WAS COMPLETELY LOST BECAUSE THEY ALL ARE GOING TO DENY ANY LEASE OR PURCHASE AND THAT NO OTHER DEALERSHIP WILL ASSIST WITH ANY VEHICLE WHATSOEVER.

FORD CREDIT REFUSED TO FACTORED IN THE FACT THAT APPLICANT IS A HOME OWNER WITH A HOME PAID OFF WITH A VALUE OF OVER {$60000.00} ; A XXXX YEAR CREDIT HISTORY OF CREDIT CARDS ( XXXX CREDIT CARDS AND PAID TIMELY EVERY MONTH ) AND A XXXX YEAR EMPLOYMENT HISTORY.

THIS WAS A CLEAR CASE OF A BIAS, arbitrary, capricious, EGREGIOUS, UNFAIR AND DISCRIMINATORY SALES AND SERVICES, DECISION, ACT AND PRACTICE ON THE BASIS OF CREDIT ; THE COST OF THE VEHICLE AND AGE under XXXX years old, and AS a first time Lease or PURCHASE REQUESTED RESOLUTION : APPROVAL FOR A LEASE OF THE SAME TYPE OF VEHICLE, WELL BELOW THE $ XXXX MONTHLY PAYMENT FOR A MINIMUM OF XXXX YEARS/XXXX MONTHS REVERSAL OF CREDIT BEING PULLED MULTIPLE TIMES AND SUBMITTED TO FORD FOR A LEASE.

FURTHER, OFFERS TO PURCHASE THE SAME VEHICLE AND THE TERMS OF EACH and the monthly payments for each offer.

1. DIRECT VERBAL COMMUNICATION WITH FORD CREDIT WITH FAMILY AND SELF AS TO why there is a penalty for 1st time lease OR purchase 2. VERBAL COMMUNICATION DIRECTLY WITH FORD CREDIT WITH REASONS FOR DENIAL.

3. DOCUMENTATION OF THE DENIAL TO BE PICKED UP IN PERSON DIRECTLY FROM THE DEALERSHIP WHERE THE DENIAL OCCURRED 4. WHY NO OTHER OFFERS OF ANY KIND WERE EXTENDED, OFFERED OR FOR ANY VEHICLE at all 5. DOCUMENTED OFFERS FOR PURCHASE OF A SAME VEHICLE AND OVERSIGHT OF ALL
I opened an account with Citibank. The terms of the promotion were Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. I opened the account end of XX/XX/XXXX and deposited the funds on XX/XX/XXXX. I met the requirements by XX/XX/XXXX. The 90 day requirement finshed on XX/XX/XXXX. I contacted the bank and they opened a case. But not update afterwards.
I got a call from IRS saying I need to pay off my fine for Tax Evasion TODAY or else I would go to jail because there is a warrant for my arrest. Being tremendously scared I complied. Although in my head it sounded fishy and like a scam, I was just super worried and did what they told me. They said I could talk to nobody about this at all and I must be on the phone with them at all times. They told me to withdraw {$1500.00} from my Bank of America. After doing so I went to multiple XXXX and bought XXXX XXXX Gift Cards and then they redeemed the code on the back. I am fighting hard to get my money back because I believe I was a victim of this scam. I am so stressed out right now and Bank of America barely tried to help me at all. I want to try to do a " chargeback '' on my debit card if possible. I hope by writing a complaint here that you guys may be able to help me get my money back. Please I really need your help to make this possible. Thank you
A credit card was obtained using my details but with the SSN changed by one number and when I contacted XXXX I asked them the personal details and they told me that the SSN and it was wrong, they have now reported this as a delinquent payment and this is not my account XXXX Credit CardXX/XX/2015Open - XXXX Days XXXX Missed Payment $ XXXXXXXX % of Credit Limit*Account DetailsLast Reported XX/XX/2015Creditor Name FST PREMIERAccount Type Credit CardAccount Status OpenOpened Date XX/XX/2015Closed Date -- Limit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status XXXX Days LateWorst Payment Status XXXX Days LateDate of Last Payment XX/XX/2015Amount Past Due $ XXXXTimes 30/60/90 Days Late XXXXRemarks -- Payment History2015 OK OK OK OK OK 30XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX30 30-59 Days LateCredit Utilization* XXXX % Creditor Contact DetailsXXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXXSee something wrong? 
Learn more about how to dispute items on your credit report. 
XXXX XXXX RecommendationsFind a personal loan to consolidate high interest balances. 
Use less of your credit limit by transferring balances to a new card.
I received a mail out stating that I was pre-approved for credit and to go online and apply. I did so and entered into a line of credit agreement in the amount of {$2500.00}. Not payment schedule was mentioned or disclosed at the time I took out the loan. First payment of {$77.00} was automatically withdrawn from my checking account. The payments are bi-weekly and the second one jumped to {$240.00}. My gross income is XXXX per month. I have XXXX child and simply can not afford this high of a payment. My father called on XXXX XXXX, 2017 and tried to get the company to lower the payment. They said that they could do whatever they wanted to and refused to address my concerns. 
The APR on this loan was 199 %. I feel this company is operating on an unfair and deceitful basis.
On XX/XX/XXXX I initiated a dispute with Experian about an inaccurate credit entry from XXXX XXXX XXXX ; reporting my account with them as 30 days late in XX/XX/XXXX. 
On XX/XX/XXXX, I received notice that the dispute had been resolved and the file updated. However, the only thing that updated was XX/XX/XXXX changing from " OK '' to " ND '' ( No Data ). No changes were made to XX/XX/XXXX. 
I called Experian on the evening of XX/XX/XXXX to inquire about this, and have them send me what evidence XXXX XXXX presented to verify the data was accurate. 
Initially, I spoke to XXXX. He claimed there was nothing Experian could do unless the creditor updates the information they send in. He conferenced in XXXX XXXX to ask if the data was correct. However, the XXXX XXXX rep said they are now using a new system, and he did not have access to the system they used in XX/XX/XXXX. Since my account was setup for auto-payment at the time, he said there could have been an issue with debiting and posting dates. They stopped offering auto-pay about two months after I signed up for it. 
I explained to XXXX multiple times that Experian is required to have their data reporters furnish proof of accuracy for disputed entries, and they are legally obligated to provide that proof to the consumer if the consumer asks for it. For this dispute to have been resolved, XXXX XXXX would have been required to furnish said proof. XXXX wanted to argue that they are not. 
Next, I spoke to XXXX 's supervisor, XXXX, who claimed that during a dispute, creditors are not required to submit any proof beyond what they report. He further explained the dispute process is for Experian to ask the creditor if their information is correct, and if they say it's correct, then Experian does not change it and there is no requirement for the creditor to furnish any evidence of accuracy. 
Can you imagine a judge asking a criminal, " Did you do it? ... No? ... Well then, you're free to go. '' That is essentially what Experian says is their veification process.
I am currently on a three year Modification Plan with my mortgage company. This Plan will end in XXXX, XXXX. I was notified that beginning XXXX, XXXX, my monthly mortgage payment would increase by {$210.00} because my Escrow Account was in a deficit. I did not understand this and contacted the mortgage company. The Representative did explain that my Homeowner 's Insurance had increased by {$300.00} but that my Real Estate Taxes were reduced by {$200.00}, but, she tried to explain that these were not the reason why the account was in a deficit. She did, however, assist me in stretching this payment over a 24 month period, reducing the additional monthly amount to {$63.00} and she did email me a breakdown of my Escrow Account Activity. Upon my review of this activity, I was still not able to determine how the account went into a deficit nor how would the mortgage company allow this to come to pass. I ca n't say for sure that its true but it appears that they are trying to have me lose my home, that I have worked so hard to keep for over 10 years.
Navient keeps calling and from multiple numbers. I started to write a list of dates and times. XXXX XXXX owes me if anything!
Well Fargo will not/refuse to send the trms of my loan. While in bankruptcy, Wells Fargo agreed to do a modification with me. Bankruptcy lawyer agreed and I agreed, so I made the XXXX payments on time and continued until XXXX 2015 Wells Fargo stop taking my payment and could not tell me why, so now I have to file bankruptcy again because they are sceretly trying to take my home away from me. I am humilited, frustrated, and depressed. Is this the way they do business ; saying I was a fraud, is this XXXX ... what is this and why is this going on, again they are ruining my livelihood and my credit. The Home Preservation Specialist Department, I can probably name at least XXXX or XXXX if not more. They made a mistake admitted to the mistake and will not own up to it ; I have documentation. Am I an XXXX to them, well I think so for even doing business with them in the first place the whole department need to be fired and have dedicated workers that will work for the people, they are there for a paycheck not to help people. Wells Fargo gets up every morning " whose life can we ruin today ''. I have all ready faxed this information to you and since then I have received more documents. My home is not in foreclosure, but I have file for bankrupcy again. You all ready have these documents.
Beneficial applied two monthly payments in the XXXX of 2014 to the month of XXXX 2014. They have sent us their accounting records that show that they made this mistake but they refuse to rectify the mistake. On XXXX XXXX, 2014 they completed a reconciliation of our account and their lawyer informed the federal bankruptcy judge that our account was up to day. On XXXX XXXX, 2014 after completing another reconciliation they told the XXXX Attorney General 's XXXX that our account was up to date. Between XXXX XXXX, 2014 and XXXX XXXX, 2014 they were paid a total of {$10000.00} which was more than enough to cover 6 months of payments ( XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) of {$1700.00}. On XXXX XXXX, 2014 they sold our mortgage to XXXX. Not only did they not tell XXXX that we were paid through XXXX, they told them that we were a month behind. This caused us to incur late fees. They seem to think that XXXX can fix their mistake. XXXX CAN NOT FIX A MISTAKE THAT BENEFICIAL MADE! Beneficial needs to be held accountable for stealing a customer 's money. This is a heinous act and they need to be punished. After many requests they sent us their accounting records of our mortgage. THEIR OWN RECORDS SHOW THAT THEY MADE A MISTAKE IN APPLYING THE PAYMENT TO THE CORRECT MONTH. Apparently no one at Beneficial Customer Service can read and understand XXXX. Nor can anyone decipher their own accounting records. PLEASE make every effort to find someone at Beneficial that can read and understand XXXX and can also understand their own accounting records. I DO NOT WANT TO HEAR THAT THEY BEAR NO RESPONSIBILITY TO FIX THEIR MISTAKE BECAUSE THEY SOLD THE LOAN TO XXXX AFTER THEY STOLE OUR MONEY. 
This information is also being shared with the NYS Attorney General 's Office and the federal bankruptcy court judge of the XXXX.
Upon reading my personal credit reports ( XXXX, XXXX, XXXX ), I noticed an entry from Profit Services Group ( XXXX XXXX XXXX ) account # XXXX. This collection account is the only negative entry listed on my credit reports and it has severely damaged my credit score. I spoke with a representative with Profit Services initially in the month of XXXX regarding this information because I was completely unaware that I had an unresolved medical debt with any medical institution. Since I was not sure about the details of the amount, the time, and the location of where this debt had occurred I asked the representative to please provide me with an itemized bill or statement from this medical institution. The representative stated that " Profit Services is not legally obligated to provide consumers with ANY statements, bills or form of validation ( even if the consumer has requested for their personal review or to compare with insurance information ). This claim by the representative seems very suspicious, considering that it is supposedly " my '' debt and they requesting me to hand over my money without personal review. I have called Profit Service a second time and I was informed that I would be receiving a copy and that it would be mailed to my current address. .I have not received that documentation as of yet.
My personal information has been leaked in the Equifax data breach, according to their website. It is unacceptable that a company of this size does not have proper security in place to protect consumers. Seeing in the news that their executives sold stock in the company before announcing the breach shows their real intentions are rooted merely in profit and they do n't care about consumers. This has put millions of people at risk of identity theft, including myself. 

This company should not be allowed to operate if they ca n't secure the data of consumers. Unacceptable.
I received a phone call in regards to my bill being forwarded to collection from the doctors office, it was two weeks after i visited the emergency room.
Usually it takes about two weeks before the insurance pays there portion and my insurance took extra few weeks to provide me with what i was expected to pay.
I immediately called the doctors office to pay the amount expected from me and i was forwarded to CMRE FINANCIAL who they process payments with anything that is even a day late, but they promised it wo n't appear on my credit report since they understood i did n't receive the statement.
The problem i am running into now is CMRE FINANCIAL went ahead to report as collection that was paid off which significantly impacts my credit for a payment that was fully paid within a normal insurance processing period.
I have asked credit agency 's to delete the information my report without success.
I would like both CMRE FINANCIAL and XXXX XXXX to delete the negative information from my report.
I attempted to get a refinance mortgage. Amerisave charged me {$420.00} for an appraisal and then proceeded to send me inaccurate paperwork. They did this 3 times and when I told them I could n't sign inaccurate paperwork they closed my loan application saying I did n't respond. I have contacted them XXXX times and they are refusing to contact me back. I looked up Amerisave Mortgage and there was a lawsuit by the CFPB that Amerisave lost forcing them to pay a large amount of money for illegal practices such as this. Well, they still are doing so. I would like my money refunded.
Spoke with mortgage compamy and they stated my mortgage payment would jump from {$1000.00} to {$1400.00} an increase of {$350.00}. which would have a financial impact on my life that I can not afford. When I spoke with them they stated my taxes had went from XXXX a year to XXXX a year. I spoke with the county tax office and they said that was not the case it olnlu increased a couple hundred dollars. Can you please help me resolve this issue?
I went to Transunion for my free credit report. They are now charging me {$19.00} per month for unwanted credit reporting. Their website has no place to cancel membership and receive a refund. They canceled my membership, but refuse to refund my {$19.00}.
i took out a home equity line in XXXX and paid off some credit cards, now after ten years, a debt collection attorney has put a lien on my property of over XXXX {$8000.00} and when I asked for proof that my payment in XXXX was applied to my debt, they refuse to provide me with the proof!! they sent me useless statement of charges, interest, from XXXX tpo XXXX which does not help me in the least. I assert that this outstanding balance for which the debt collector has placed a lien on my home was paid in full over ten years ago! XXXX!!
Webster Bank ran a transaction on an account I had requested closed, overdrawing it, and then levied a penalty representing 100 % of the transaction. 
I had XXXX accounts with Webster. On XX/XX/XXXX in the Webster online portal I performed two transactions : I sent a secure message to close XXXX account, which I had emptied, and paid XXXX credit cards totaling {$110.00} in a single Bill Pay transaction. 
Webster ran the Bill Pay transaction first from the empty account, overdrew the account and then refused the close account request because the account was now overdrawn. They then levied three separate {$37.00} fees for {$110.00} total, equal to the whole Bill Pay transaction. 
I have been in contact directly with Webster several times but they agreed to refund only {$37.00} of the {$110.00}. I am requesting the remainder because : 1. I had already requested the account in question be closed. 
2. It was a single transaction within Webster 's online system, yet three penalties were levied. 
3. The empty account was selected by default and the second account hidden in a dropdown menu. 
4. The empty balance was not shown in either the confirmation prompt or the transaction receipt. 
5. An equivalent transaction would have been refused in branch - a teller would not allow you to make an internally-requested transaction from an empty account, this is a flaw in the online system only. 
6. A {$110.00} total penalty for a {$110.00} total transaction represents an unfairly high penalty.
I pulled my credit report and found a judgment on the report from XXXX XXXX XXXX XXXX for {$2400.00}. I decided to reach out to XXXX XXXX to understand what this debt was since I had never received any notification about it and discovered that XXXX XXXX has gone out of business. I then disputed the judgment with the credit bureaus since I did not know what the debt was and am not able to discuss with the now defunct XXXX XXXX. XXXX and XXXX promptly changed the status to satisfied on my credit report, but despite trying to have it removed twice from Experian they informed me that the debt was valid and would remain there. Until I can satisfy this issue, I will not be able to purchase a home. It is impossible for me to satisfy or even confirm the debt is mine if the company has gone out of business. Please help!!
I was contacted by Benuck and Rainey who purchased a debt that I owed to XXXX. When I answered the call, it came from an unknown number and the caller said they have been trying to reach me about a debt I owe. I asked who he was with and he told me Benuck and Rainey. He then proceeded to tell me that they are a collections company that also handle litigation. I asked again, who are you and who are you with. He said, we are handling a debt and we are essentially a law firm who also handles collections. After looking them up, I found they are not in fact a law firm and he REFUSED to send me something in writing. He said they acquired my debt earlier this month and have already sent me a letter ... which I said I did n't receive. He refused again to send another letter and asked if I was ready to pay over {$7000.00}! I believe the initial loan I took out was around {$3000.00}, I had paid about {$3000.00} of the debt but because of the HIGH interest rate and late fees they claim have been added up, I owe another {$7000.00}.
I really need help resolving the below issue. 
CPS finances a XXXX XXXX my wife I drive. 
I am a co-signer on a XXXX XXXX purchased in XXXX @ principal rate of {$12000.00} Our monthly note is {$320.00} My wife ( XXXX XXXX ) and I began payment of my car note of {$320.00} on time the moment the car left the lot. 
I took over full payments when my wife lost her job. Though I missed some payments down the line due to XXXX XXXX I incurred in XXXX, XXXX. 
I did not have a source of income at the time when I missed the payments. CPS is aware. 
I got right back on track and caught up with my arrears making the monthly dues but then I noticed my balance never seems to drop ( decrease ). Since XXXX, XXXX years later when the car is purchased at the rate of {$12000.00}, the balance of the XXXX XXXX is just at {$10000.00}. What is that!!!!! Could someone explain to me, please!! I do n't understand. 
I just noticed I have been paying a huge amount on interest every time I paid my monthly due of {$320.00}, and not much of a principal deposited on the car loan. 
Can you image, at some point out of the monthly due of {$320.00} I paid, CPS is only deducting {$70.00} as principal, and just assigning the balance of {$260.00} as interest. Something is not right here. CPS has, and keeps overcharging me blindly. Please help. 

Thanks XXXX XXXX XXXX XXXX
This complaint is against the co mpany " MBA Law  Offices /  XXXX  ''.     Currently, they are reporting that I owe them a total of {$1300.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ". My report indicates that the account has an " open date '' of  XXXX   2016 .
i AM GETTING UN-AUTHORIZED BILLS FROM CHASE REGARDING ACCOUNT NUMBER XXXX. APPARENTLY CHASE OPENED AN OVERDRAFT PROTECTION IN XX/XX/2005 ON MY CHECKING ACCOUNT NUMBER WITHOUT MY PERMISSION AND NOW THEY ARE SENDING ME BILLS FOR XXXX FOR THAT APPARENT PROTECTION THAT I NEVER SIGNED FOR. I HAVE CALLED THEM SEVERAL TIMES BUT ALL I GET IS RUN AROUND AND TRANSFER FROM 1 PERSON  TO THE NEXT.