WillisBack/dataset-financial-user-claim huggingface dataset:
1. XXXX Consumer Dept - XXXX XXXX and several other agents that worked in the consumer department gave me a difficult time, hung up in face several times, provided me with false inaccurate information, delayed my investigation, received false verbal consent from creditors which led XXXX to report false inaccurate fraudulent account on to my credit report for at 6 months and refused to cooperate with me making my life a living XXXX. I mailed ceritified letters, and faxed several documents in just to be going in circles.
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Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. Capital One
In XXXX XXXX ; I purchased a XXXX Ford Edge from XXXX XXXX in XXXX XXXX XXXX. After about 1 month of jumping thru hoops, of needing more documentation. etc. The loan was picked up by Westlake Financial Customer Care XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX - ( XXXX ) XXXX. The loan payments were to be made starting in XXXX XXXX, at XX/XX/XXXX, I received an adverse action letter stating they were not extending credit due to a timeline in getting the documents back to them. I called and after 3-4 days, it was finally confirmed that the loan was ok, and that I need to make the payment. I arranged this payment over the phone at that time. Due to the agent transposing the routing number, the payment was returned. I immediately called, confirmed with them the routing # was incorrect, and made another payment., resolving the issue. Since that time, I had made payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then XX/XX/XXXX, the payment was due again, I go online to pay the loan, and see there is a payment in full stamp on the loan. It was after hours, and I was going to call the next morning. That night, the dealership sent out a tow truck to pick up my vehicle. The driver stated the loan did not go thru, and that it was a first payment default, stating MY down payment of {$5600.00} AND monthly payments for 6 months ( {$620.00} ) totaling {$3400.00}, additionally I had to repair a gas line ( {$50.00} ) Did my self so no receipt ; then {$100.00} for an oil sensor and {$470.00} for an alternator for another {$620.00}. This was NOT a first payment default, and if it were, how did it take you 6 months to determine this? IT WASN '' T, not only did they get my first payment, they took 5 more! I have attempted to contact the dealership, and for a week now, they just keep telling me they are trying to work on it, and are now refusing to return my calls. I am out {$9600.00}, plus the cost of having to rent a rental car for transportation while they " figure it out ''.
An offer was submitted to Bayview Loan serving, for the full amount that Bayview stated as the value needed, $ XXXX. Bayview then stalled, first needing an updated document, then another, then " losing '' some documents, from XXXX/XXXX/17, when they were submitted, until XXXX/XXXX/17, when they were " found ''. 
At this time ( XXXX/XXXX/17 ) XXXX spoke to XXXX, in regards to our complaint ( made on XXXX/XXXX/17 ) that Bayview was intentionally holding back review of offer, in order for the previous BPO/Appraisal of $ XXXX to expire. XXXX stated to submit offer, and HUD, with current value, the full price offer that Bayview requested, and it would be escalated, due to the reason that conditions are there for a review. " Escalation '' took 14 days, on XXXX/XXXX/17, the decision was made to reject offer, and NOW countered to NEW XXXX of {$430000.00}. 
The offer was at full value at the time of viewing, and was at full value at the time offer to purchase was presented by Buyer. we have also submitted this offer to XXXX. We are filing this complaint today, we feel that the delay in approving the full price offer, and the refusal to allow this sale to go through, has harmed the Borrower. 
Today XXXX/XXXX/17, we submitted the documents to both XXXX and Bayview. XXXX XXXX, the Portfolio Manager called, after receiving my email sent to the rep assigned. He stated that he resubmitted the file again to XXXX for review, and it is escalated, and that we would have an answer in another 5-7 business days. ( previous escalation, with same exact language used, took 14 days ). I asked for a written explanation, stating the reason for offer 's rejection, and also a written explanation for Fannie Mae 's rejection of the allowable fees on the HUD.
I have been denied credit on many occasions and have requested a copy of my Transunion credit report and have yet to receive XXXX. This issue has been going on for the last two or three years. I have never given any creditor or credit reporting agency no other address but the one I have lived @ for over thirteen years. I have notice every time a creditor request a copy of my files it is granted. I have even tried online to access my files, as I did today XXXX/XXXX/15, but was denied saying I have an on going dispute and ca n't access my files until the investigation is over. That dispute came through XXXX and I was only able to dispute XXXX item. I need full access to my files that I may be able to dispute all files that are incorrect. I was denied credit by XXXX banks over the last two days. Why ca n't I access my files? What sense does that make?. I have joined many free credit monitoring services just to see my files and credit score. The other major credit reporting agencies give access why ca n't Transunion. Please help me solve this issue. Thanks XXXX
I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to XXXX, Experian, and XXXX. The inquires were Auto Financing companies.and other companies XXXX XXXXXXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX
Lender asked me send a process fee for a {$5000.00} loan. 
I spent over {$800.00} for an emergency loan, they kept asking for more money from me. 
I tried calling and texting them back, but no answer or reply by text.
Hi, I transferred some amount using riamoneytransfer.com to my XXXX account almost 3 weeks back. 

I waited for 2 weeks, money was not credited in XXXX Account, then I had to cancel it and request for refund, but its been more than a week now, they are not giving proper status updates and are not refunding my money back. 

Transaction ID : XXXX Thanks, XXXX
I opened a XXXX checking account in XXXX XXXX using the promotion code XXXX. This code promised that if I used the debit card for {$1000.00} of purchases as well as set up a bill payment for XXXX consecutive months, I would receive XXXX XXXX XXXX XXXX miles. After the account was opened with {$52000.00}, I telephoned XXXX to make sure all was in order and give them my frequent flyer number. They assured me all was in order but in order to record the frequent flyer number I should call XXXX, the XXXX direct line which I did. The person on that call also assured me all was in order and took my frequent flyer number. 

Once I had executed the requirements and the appropriate period ( plus ) had passed I called to find out why the miles had not been posted and received an encrypted email on XXXX XXXX, XXXX saying I would not receive the miles because it was a 'targeted ' offer. I honestly do not remember where I got the code, but I have to assume it was a mailing from Citibank - where else would I get it? But at no time - when I applied to open the account or either time I called to make sure I was correct about the terms and provided my frequent flyer number - was I informed that Citibank had a problem with my eligibility. In fact quite the opposite. 

I have left the money in the account and recently read about the CFPB assisting in just such a matter as this.
I should not have to pay money to freeze my credit due to XXXX XXXX egregious error. Because of XXXX XXXX fault, I 'm now on the hook for the money to freeze my credit with the reporting agencies.
The bank of america applied my lump-sum payment to the lowest interested balance rather than paying the highest one. Is n't that a law that credit card co. has to pay highest interest first? 
I had XXXX balances that the promotional rate will be ending at same date on XXXX/XXXX/2016 On XXXX/XXXX/2016, I paid {$4000.00} toward ( I thought, ) soon will go up to 15.24 % ( balance {$4000.00} ) But BA applied it to the another balance that would go up to 7.49 % ( balance was {$5100.00} ) * And the balance of 15.24 % of {$4.00} ( XXXX 2016 ) was increased to XXXX ( XXXX 2016 ). {$5.00} more without the cause! Why? Reps could not explain to me about all these.
I am involved in a court case and needed a copy of checks written on my account from Citibank. I asked the bank to send me the copies of the cancelled checks. My attorney also subpoenaed a copy of my bank records. However the checks I received did not match up with the records my attorney received. They were the same account but different amount on the checks. When i asked a local branch manager ( XXXX ) she said she would look into the matter for me. She never got back to me. When I went into the branch again later, I met with an area VP XXXX, he also said he would look into the situation and we scheduled an appointment for the following week. The day before the scheduled appointment he called and cancelled the meeting stating he was not going to be in town and had to reschedule. We rescheduled the meeting for Wednesday XXXX XXXX at XXXX. An hour before the appointment his assistant called and cancelled the appointment stating he mailed me a copy of what his findings were and how to proceed. I have to this date not received anything and have been unable to reach him
Master card, Barclay 's, charged me an annual fee, then interest, then late payments BEFORE I opened the envelope, before the card was activated!!!
On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX and XXXX XXXX dollars, XXXX cents with XXXXXXXX XXXX XXXX in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to XXXX XXXXXXXX XXXX on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.
My husband went to purchase a vehicle. The dealership sales manager said he would probably not be approved for a loan just by himself and told me I needed to sign with him in order for him to get the vehicle. I have never had insurance and they knew I did not. Once giving them a XXXX deposit they let me take the vehicle off the lot. Upon looking at the paperwork they listed my husbands insurance from Ohio on the vehicle. The Ohio insurance says they are not going to cover the car because its registered in Texas. I tried to get my own insurance but based on my pay I will not be able to afford it they are saying its going to be 3,000 for 6 months. I also talked to the bank and they let me know the loan has not been approved yet and that i'm just driving around a free car. I explained all this to the dealership and they are saying I have no choice that I have to keep the car. I have attorneys and the bank saying no I can return it. Im not sure what to do.
I have been using PayPal personally for 20 years and have a business PayPal account for over 10 years. I have processed over {>= $1,000,000} through PayPal through my business account via credit cards, paypal payments, etc. Recently PayPal is being unreasonable and unfair in their requests for recent transactions and in turn have held up my funds for over 2 weeks. This is impeding my business and causing issues. At one point, I had to refund over {$100000.00} in payments to customers and inform them to provide payment using a different method, per PayPal instructions, stating that they believe PayPal is not the choice for processing these transactions. The transactions in questions are for high end computer equipment, as my business is a XXXX XXXX. When refunding all these transaction, I lost over 20 % of my business, as customers were irate and decided to cancel their orders. After the refunds, per their instructions, PayPal is still holding funds, requesting more unreasonable and unfair information and still holding funds. Each time I submit the information they request, they don't review for at least 48 hours and then kick back more information. Everything they request is always given to them and they continue to be nit picky and continue to avoid my requests for release. Again, they are being unfair and unreasonable.
XX/XX/2019,, Continuting Issues,, Yes I Did Received Some Response From Wells Fargo Bank, But Still Need A Lot More Work,, No I'm To Happy About theResponse i Received So I Think Through All Of This,, They Decline To Pay For Damages They Caused, Me And Family,, They Don't Care,, How Can Care About A Very Big Overrated Bank That ( Steals ) From Loyal Customers and Used ( Deceased Parents ) And Made Money off It, Does This Mean Anything,, U Tell Me? That Is Question? Yes I Do Think That I Should Be Considered For Some Type Of Damages,, Besides XXXX Knows The Truth,, He Do Have The Last Say!!
I was contacted by GC Services, I asked them when my account was scheduled to report they said it is pending. I asked what that means they would only repeat that it was pending. I advised that either it has reported or it has not, and it is pending that means that it has not reported to my credit. They rep said confirmed that this was correct. So I asked again when is it scheduled to report to my credit since it is not on my credit now. She said its pending so I said your being very confusing and misleading by not giving me the correct info when I 'm asking. There is a date/time period which a credit reporting account is scheduled to report she said its pending. Then she hung up on me as I was talking.
I wrote a check to an individual, XXXX XXXX, Check # XXXX, in the amount of {$1600.00} on XX/XX/XXXX. The individual deposited the check the same day at XXXX XXXX, routing # XXXX. On Saturday, XX/XX/XXXX XXXX XXXX, XXXX, WV, notified the individual the check had the stale date of XX/XX/XXXX and would be held and not deposited. Since it was deposited in the ATM the check was scanned and sent to their Corporate Offices. The check was not going to be honored because of the incorrect year. I withdrew {$1600.00} cash from my checking account to give the individual in lieu of the check. However, on XX/XX/XXXX the check amount of {$1600.00} was deducted from my checking account, which is at Chase Bank. Since then, XXXX XXXX Fraud Department has been holding the funds. They want Chase to request the funds to be sent back. However, Chase states they can not recall or cancel the check since the funds have been sent to XXXX XXXX. I spoke to the XXXX XXXX Branch Manager, XXXX, who stated I had to get Chase to get the funds returned. I called Chase Bank, who transferred me to their Claims Department. The Claims Department stated they could not handle the issue since there isn't a claim. The Claims Department stated I would have to get the local branch to handle the issue. I called the XXXX number for Chase. I was instructed to go in person to the Chase local branch and request a recall for the check. If the local branch didn't know what to do I was to tell them to call Branch Support to complete the Recall. XXXX at the local branch called Branch Support and completed the form on line while I was there on XX/XX/XXXX. I waited one week and on XX/XX/XXXX called the local branch. XXXX was on vacation so I was connected with the branch manager. The branch manager stated he would have to make some calls to check the status. He called me back the same day and stated the recall was denied and if XXXX XXXX suspected Fraud they should have sent the funds back to the origin, which was my checking account. I called XXXX XXXX back today, XX/XX/XXXX and spoke to XXXX. The branch manager, XXXX, was on a conference call. I gave XXXX the information regarding the {$1600.00} transaction and hold so XXXX could make inquiries. XXXX stated XXXX would call me back today. I did not hear back from XXXX on XX/XX/XXXX. The {$1600.00} has been in the hands of XXXX XXXX for over 3 weeks now and they refuse to return the funds while Chase Bank states there is nothing they can do. I could certainly use some help as I am getting nowhere with either of these banks and I don't know who is wrong. I made the mistake with the year on the check but this is ridiculous to take this long to return the funds. I filed a complaint first against XXXX XXXX whose Corporate Office is demanding Chase provide an Indemnity letter. Chase Executive Offices were notified with complaint reference number XXXX on XX/XX/XXXX. To date Chase has failed to take any action or respond with their intentions. This is now 5 weeks and no closer to a resolution.
Chase does not offer any form of two-step verification for its regular checking and savings accounts. This leaves my money exposed to identity theft and fraud. A simple texted code to my phone is what my other banks and accounts are doing. One gave me an actual " token '' for my key ring with a code that changes every 60 seconds. I will be leaving Chase bank.
Requested the following account ( XXXX XXXX XXXX XXXX ) be deleted from my credit report, and the Credit Reporting Agency has refused. XXXX XXXX XXXX has refused to verify this debt in writing as per FDCPA, despite my numerous written requests. I am attaching several copies of Certified Return Receipts sent to XXXX XXXX XXXX and XXXX XXXX XXXX ( acting on XXXX behalf ).
I am the Victim of Identity theft and have filed an Identity theft complaint # XXXX with all 3 credit bureaus against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX about this account that is showing up on my TransUnion credit report collection item in there for which does not belong to the above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX Reason number one why this collection item is not mine it's because on XX/XX/XXXX the above submitted a identity theft case with the Federal Trade commission 's office copy and closed, Reason number two is the above according to his credit file is XXXX and drawing Social Security which also means that the above is drawing full medical benefits identification information enclosed : XXXX XXXX XXXX of Michigan Health plan # XXXX Member : XXXX XXXX XXXX State assigned ID : XXXX PCP name XXXX XXXX PCP phone : XXXX Effective date XX/XX/XXXX And the above information states that with full coverage Medicaid they would be no reason for me to go to an outside source and generate a bill when I have full coverage insurance since XXXX when you verify this information please remove this collection item from each of your list, Reason number three as of XX/XX/XXXX and buy the request of the above the Federal Trade Commission also issued a identity theft alert with all three credit bureaus this charge from this facility is for XX/XX/XXXX is there for non valid under my identity theft alert request. 
XXXX XXXX
XX/XX/2014 Ordered $ XXXX {$31000.00} Alliance one harrasment made me go to XXXX   and i got my credit XXXX.

Single dad XXXX XXXX children Oh wage garnishment
I have attempted to dispute the date of XXXX delinquency of an account from XXXX 2008 as listed on my credit file to XXXX 2008. 

I have attempted to have this information corrected XXXX and XXXX times I have been provided with an account history that shows the account became delinquent on XXXX, XXXX, 2008 and was never brought current ; however, I was told, via letter, that they will only validate the debt once more and my disputes are now considered frivolous. I do not feel that incorrect data on my credit report is frivolous. 

It is possible that I disputed incorrectly the XXXX time, but the XXXX time I was very explicit that I was disputing the Date of First Delinquency and this is evident from the information provided to me from Equifax stating that XXXX XXXX XXXX has verified that the date is being reported correctly. 

Since I can not get a resolution from either party, I have no recourse but to file this complaint.
I have a private student loan that I initially opened with Chase student loan. They sold it to XXXX Last year my family had several health issues that caused us to fall behind on many bills including our mortgage. All other creditors including our mortgage company worked with us in helping us get caught up. XXXX turned my account over to XXXX XXXX XXXX when it defaulted. I have asked them for a loan Rehabilitation, but they will not do anything but take a large deposit and large monthly payments or a large settlement.
I have gotten harassed by navient about my loans since I graduated in XXXX of XXXX. I called them and asked them to lower my monthly payments because I also have private loan through my school, and they stated I made to much money for a single person. I then called and asked them to consolidate my loans with my private loans so I can get a lower monthly payment, and they told me to fill out an application. All while my loans are still accumulating crazy interest! On top of my loans I have already accrued XXXX in interest.
Equifax : Under both Federal and New Jersey law, consumers are entitled to XXXX free report and discounted reports ( in many states ) thereafter. Equifax discriminates against those requesting scores under provision of law and will only deliver full price reports online. The process to order and/or receive free and discounted reports is unduly cumbersome and has the effect of negating the intent of the law. Consumers are virtually forced into paying full price. Consumers wishing to correct errors or detect fraud must choose between a delay ( if they exercise legal rights ) or paying extra. I was able to get a full price report delivered online immediately but could not access a free ( or state discounted ) report without writing a letter of request and searching for the proper address.
ERC is a debt collector trying to collect from sprint. Never received any validation from either debt collectors but they are reporting on my credit report negatively.
I loaded money on my RushCard Visa @ XXXX. I logged onto my account & my money was n't loaded on my RushCard. I called RushCard & waited on the phone to talk to a rep for 2 hours. I finally got tired of waiting for a rep so I hung up. I 'm so disgusted, disappointed & upset. I called the number on my XXXX receipt for a refund, I typed my card number & XXXX digit security #. It said my card was invalid. That 's XXXX! My RushCard is n't invalid. I want my {$52.00} + {$3.00} reload fee refunded.
I have sent LexisNexis every piece of information ( XXXX pages ) since 2013 to block and freeze my REPORTS! I was recently married as a result of the XXXX Courts historic ruling in XXXX XXXX XXXX and my last name changed. As a result they use that as a separate person despite sharing everything else! This is egregious as a victim of identity theft to have them do this type of bait and switch. Is it only against XXXX and XXXX individuals? Some animus toward us? Its the same social security number and address and there for the information should not be accessible to anyone! I repeat i have more then enough evidence that I sent them in XXXX to warrant the blocking of my information. Yet they get around because of a last name change of marital status. This is discriminatory