WillisBack/dataset-financial-user-claim huggingface dataset:
Went to pay for a car using MoneyGram. I was to send {$1400.00} to an XXXX XXXX XXXX and according to the XXXX XXXX XXXX XXXX ID # XXXX email I was to call when I finished filling out the MoneyGram transfer form for further instruction. Once the payment was complete, I was to call them back again. Needless to say they received my funds on Friday, XXXX XXXX, 2016 XXXX CST ( XXXX XXXX, OK ) and the car that was suppose to be delivered on XXXX XXXX, 2016 did not arrive. I emailed the XXXX parties this morning and actually received emails explaining I have to send another {$1000.00} for insurance purposes. I explained I no longer want the car and said I would appreciate a refund via a MoneyGram transfer since it has not been 72 hours. I am still pending an answer. Further, I started looking up addresses, emails and the phone number realizing the emails have been used for a couple of years on this XXXX car scam. I already called MoneyGram this morning and they said I should have called within 30 minutes of making the transfer. I said the car was n't going to be delivered until yesterday. So how was I suppose to know to cancel? I gave MoneyGram the reference number and they said the money was received. Sorry that is all we can do. The MoneyGram was sent through WalMart and there is nothing anyone can do to refund the money. This is a true scam and thousands of people have had their money stolen.
OnXX/XX/XXXX BMW Financial Services dba XXXX XXXX XXXX loaned me {$43000.00}. This amount was to purchase a brand new XXXX XXXX XXXX XXXX LT price : {$35000.00}, plus {$7000.00} for the car that I traded in that i still owed another lender, for a total of roughly a {$43000.00} loan.
Shortly after recieving the car I recieved notice that my licence would be suspended if i did not pay off over {$20000.00} in city of XXXX parking tickets in full. I had no choice but to file bankruptcy.
The car was brand new and could not be included in the bk. So the automatic stay was lifted and i continued to pay for the vehical outside the bk.
Against court order BMW financial proceeded to collect payments inside and outside the bk, even after recieving calls and notices from me to correct this information and filing motions in court, BMW Financial continued recieving payments from myself and the bk trustee simultaneously resulting in an overpayment due to me. I recieved the overpayment check however the damage is done. BMW financial not only repossesed my vehical onXX/XX/XXXX when i was not in default, and after years of regularly accepting late lump sum payments, they have also reported to the 3 major credit reporting bureaus that i owe a sum of {$69000.00}, for the XXXX XXXX XXXX XXXX. The the vehical was only {$35000.00}, this malicious act resulted in a dramatic decrease in my credit score, lossed wages, job oppurtunities, a home loan, and educational loans for my child who is going away to college. BMW financial has since changed the information to a lower incorrect amount, however my credit score dropped XXXX points as a result.
I have asked for validation of the prior repossession and current debt in writing but my requests are being ignored. Again I would like to request the validation of the debt at the time of repossession on XX/XX/XXXX and validation of the current debt that is being reported to my credit.
I signed up for a Nordstrom card because the store would not give me the sale price unless i had the card. I never received the card but got a phone call in XXXX 2016 to make the payment. I agreed to pay, and provided my XXXX checking account information. I understood that Nordstrom will take the money from the account. But i receive a collection call in XXXX stating that i owed a balance of $ XXXX+ becuase of penalties for non-payment. The agent told me that they had only taken {$38.00} payment for XXXX account instead of the the full balance that they previously offered to take over 3 months XXXX each. I offered to pay the balance, but they would not waive any penalties. 

So now have XXXX % penalties on a small purchase of less than XXXX. I dont understand why Nordsrom can charge the penalties when they have my bank account to withdraw the payment each month. I guess they make more profit by threatening me to report to credit agencies .... which has not ruined by credit too.
I signed up for the US Bank XXXX XXXX credit card for the free 'bonus night ' award, which was exclusive to cardmembers after paying the annual fee of {$75.00}. However, they took away the bonus night - the sole benefit of me signing up for the card. I need the {$75.00} annual fee waived, since the benefit promised by paying the annual fee is now no longer given.
As of XXXX 2012 balance due {$57000.00} with XXXX XXXX. The collection department XXXX XXXX XXXX contracted me into an agreement to pay {$360.00} monthly with {$2.00}, XXXX down to lock in an intrest rate of 0.01 % in XXXX 2012. I have made all my payments on time since XXXX/XXXX/2012. Navient Solutions Inc. has now taken over the loan and charged me 7 % interest rate and my balance now reflects {$53.00}, XXXX. I have made multiple phone calls since early XXXX to have bothe the interest rate and blalnce due corrected. As of date the only correction they have made is showing my interest rate at 0.01 % but the balance is still not corrected. I have spoken to multiple managers named XXXX and XXXX and they keep telling me it should be resolved in a few weeks but still nothing and I spoke to XXXX again today and he tells me he does not know when this will be corrected but it will be done XXXX day. He said there was really nothing else they can do at this point. I would like my true balance corrected and I can not get anyone in their department to help me get this done.
For the past 2 years I have Disputed this account that is not mine. I have been disputing this for over a year by certified mail. My last dispute was on XX/XX/2017 and I am yet to hear a response.
They claim that I owe over XXXX $ to them for a debt through XXXX XXXX XX/XX/XXXX. XXXX XXXX told me that it was paid by me XX/XX/XXXX. Recovery solutions said they are processing my account for court.
Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on XXXX, trans union, and XXXX. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}
Hi! I enrolled in Best Buys credit card through Citibank XX/XX/XXXX to buy new appliances for our home. We are frequent buyers of Best Buy and my fiance and I are both in great credit standing. 

Our Balance as of XX/XX/XXXX was {$1500.00} out of {$6900.00}. We paid the majority of this within the first year in a lump sum. They ran a 2 year promotion of interest free and when XX/XX/XXXX hit there was {$2400.00} on my account for an interest charge. Before this and after this, I received XXXX cutesy notification that the promo was expiring or that this would be what would be hitting my account. I recently received ( 1 week ) calls from their call team trying to collect money that now the balance is {$3900.00} within 1 month. I called and tried to talk to multiple supervisors and they told me there's nothing they can do. I offered to pay the remaining balance right away and for an interest charge of the remaining balance. Instead they said there's nothing they can do and I had to pay a 3x of what my outstanding actually is. They had XXXX cooperation and very little customer help. Again, we are frequent shoppers and have perfect standing with credit and the majority was paid. This promo charge is ridiculous considering what the balance left and Citibank is a complete scam with their lack of communication or heads up to their customers of anything changing. They only called to collect after that large interest charge was put on the bottom line. I will no longer be affiliated with either companies. This is a major disappointment across the board.
this company harass me for the pass 10 years for a credit card who they had each year interest I use this card for one time 10 years ago and then I cancelled but I pay the purchase I made when I got the bill at the end of the month. the company is called portfolio rec. phone numberXXXX also a phone number XXXXXXXXn XXXX XXXX same company please help me to stop them to harass me thank you
I applied for the REPAYE plan on XXXX/XXXX/2016 and had numerous issues with Fedloan servicing and there policies. Fedloan finally resolved my issue and CORRECTLY processed my REPAYE plan today XXXX/XXXX/2016. However, when processing my REPAYE plan fedloan changed my due date from the XXXX to the XXXX without my permission and I want my due date to remain the XXXX and not mess up my {$0.00} IDR payment. Furthermore, I have XXXX loans in GRACE period, according to fedloan I will need to reapply for REPAYE once those loans enter repayment because they can not process an IDR plan with an app older than 60 days. That being said, they are contradicting themselves because they just processed REPAYE today XXXX/XXXX/16 with an app older than 60 days submitted on XXXX/XXXX/2016. Additionally, this is not a XXXX guideline, if I was to reapply for REPAYE I would essentially be recertifying my income which by then WILL NOT change thus re-disclosing the terms of my IDR plan. Fedloan should be able to use the same app and proof of income as per REPAYE needs to be aligned across all of my loans and my income will not change. I want fedloan servicing to process the REPAYE plan on my newer loans that are in GRACE once they are within 45 days of repayment. I do not want to reapply and go through all of this nonsense again. I know my rights and I am very familiar with student loan practices and other XXXX practices and fedloan is not following them. Please make my life easier and do n't make me reapply for REPAYE for my loans in grace when I know you should be able to use the same app since it is in the same repayment period. It is not my fault if your system is not capable of processing functions up to the XXXX standards.
On XXXX, on my way to work, I just found out through XXXX that Equifax has allowed my information to be stolen. If only Equifax has been practicing the best methods and procedures and actions and using the best products to safely and properly guard my personal information, my personal information would still be safe and not stolen by any unauthorized person or entity. This is causing me great and undue distress in addition to my XXXX XXXX telling me that I have indications of XXXX XXXX. Now, I do not know how long will I have to be extra vigilant and more cautious about my personal information being used fraudulently. This is too much. I already have several stressors that bog and worry me, and then Equifax allowed this incident to happen.
I am a victim of Identity Theft I sent XXXX an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. XXXX is also reporting the same account ( AD ASTRA RECOVERY ) twice under XXXX different account numbers
Freedom mortgage was the 3rd processor of my loan. In XX/XX/XXXX, i received a late payment on my 3 credit reports. I pay my mortgage online. I had asked initially about auto pay, but at the time it was down or disabled in XX/XX/XXXX. So every month i did it manually. They never send confirmations of payment. Somehow the process did not go through. They sent my XX/XX/XXXX statement and I called immediately stating I intended to pay but the money was not taken from my acct. 
I sent appeals letters with promise of a response. I signed up for there autopay however in researching the company it is no guarantee against problem with them. They promised a response which never came I called today, waiting on the phone for over 45 min to a response of " take it up with the credit reporting companies ''. 


I did not receive any calls for XX/XX/XXXX warning of no payment. 
XX/XX/XXXX, from any XXXX number. I also further researched this issue and corroborated this fact on the phone with a freedom mortgage agent today. Freedom Mortgage agent " XXXX ' '' '' also corroborated that there were no courtesy calls to me in the month of XX/XX/XXXX for a missed payment. 
The agent also mentioned it is a policy at Freedom Mortgage to make Courtesy calls to home owners when a payment is not received.
I leased a XXXX XXXX XXXX/XXXX/XXXX. GM Financial.. IN the beginning of XXXX I had to call to get my account number to login online because I never received a statement. I went in to the online account around XXXX saw XXXX Balance due, and waited, till XXXX XXXX to recheck and saw I owed a payment and late fee, because I missed the due date- which was not written on the Online statement when the due date was. I paid the past due, XXXX and late fee, and set up automatic payment. The end of XXXX received an email that I missed a payment, and was charged a fee. The automatic debit started XXXX XXXX, so I missed XXXX payment. They purposefully skin a cycle to XXXX the consumer and charge late fee, when In XXXX I set up a payment, that should have covered XXXX and beyond. <P/>2 -they sent a late payment ding to my credit monitoring company, because I missed XXXX. They say they called me, But they do not identify themselves on the voicemail as to who is calling, so I did n't call back, would you call back an unidentified number XXXX. They refuse to remove the ding even though they admit the online site was not accurate in XXXX because the bill had n't come due yet, but why would they not post my future due date due in the same month.? I want my late fees returned and credit monitoring cleaned up
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

XXXX XXXX/XX/XX/XXXX XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX XX/XX/XXXX XXXX/XX/XX/XXXX There is no reason for these inquiries to be on my report, I have not supplied my ssn for a job, neither a court judgment, no child support cases etc. I have credit monitoring through XXXX and it shows that my information was compromised on the dark web. I would appreciate your help in getting these unrecognized, unauthorized inquiries and fraudulent inquiries off of my report.
Our family has been struggling for the last 2 years in making our monthly mortgage payments. Our house is currently in the state court awaiting a hearing to set the house for sale. Before all of this happened we have been consistently behind one month of our mortgage payment ( {$3100.00} ) for about a year and a half. On XX/XX/XXXX the bank informed us that if they did n't receive both payments that they will start the foreclosure process for our property, this is when we decided to get a lawyer to helps us to modify our loan. At this time we stopped paying the mortgage in our house too see if the bank would help us. The bank denied us more than XXXX to modify our loan according to our foreclosure lawyer. The bank concluded that the reason for denial was because we make too much money, and they go back to 31 % of gross income which I feel is not a realistic figure. We have held a mortgage with this bank since XX/XX/XXXX with our previous house and were good customers. We feel they have been unjust and really want our home. All we wanted was a lower monthly payment so we can manage with our monthly expenses. 
My wife and I are both XXXX and have XXXX daughters. This whole process has been so stressful. We wanted to start making payments again but they only wanted the entire balance and have not been willing to assist. We also tried to do a short sale which they again would not consider any short sale. My wife was XXXX seven years ago and it has been hard on all of us. Our daily life is affected in all ways and she XXXX. Stress is not good for this XXXX but then again the bank apparently does not care. We were just behind XXXX payment and they would n't accept it unless it was the complete amount at the start of this whole process. Lawyers have been amazed on how the bank has treated us and not considered any options. We just wanted our bank to help us solve our current situation to modify and lower our current loan with the monthly moorage payment {$3100.00}.
I have filed bankruptcy and XXXX XXXX XXXX is showing that I have 4 accounts on my credit when one was paid off, but it showing account closed due to refinance. Date open XX/XX/XXXX balanceXXXX, XX/XX/XXXX balance of XXXX, XX/XX/XXXX balance of XXXX, and XX/XX/XXXX balance of XXXX. Now I 'm seeing this company on my credit multiple times when only one of the account I went into default and then I filed bankruptcy.
I have disputed several times the following items which are PAST THE STATUTE OF LIMITATIONS AND THE CREDIT REPORTING AGENCIES ARE LISTING INACCURATE DATA WHICH VIOLATES MY RIGHTS ON THE FOLLOWING XXXX/XXXX # XXXX XXXX XXXX/XXXX # XXXX original DLA is PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX {$46000.00} XXXX # XXXX Original DLA is PAST THE STATUTE OF LIMITATIONS XXXXXXXX # XXXX $ XXXX DUPLICATION AND PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX XXXX PAST DUE $ XXXX DUPLICATE AND PAST THE STATUTE OF LIMITATIONS XXXX # XXXX ORIGINAL DLA IS PAST THE STATUTE
I have a fraud case against the company that sold me the truck. Classic bait & switch. After returning there equipment to them, they sent my information to a collection agency through a finance company that is now threatening to take personal belongings. XXXX XXXX XXXX -XXXX XXXX was the salesman who purposefully lied and switched trucks.
Equifax, in the course of collecting personal information for use in credit reporting, was negligent in the storage of this information and as a result, my personal information, including but not limited to my name, address, and social security number were compromised. The net effect of their negligence is that for as long as the compromised information is a core part of the credit reporting system and financial system, I will be vulnerable to fraudulent activity and identity theft. Even with over a month passing since their discovery of this data leak, Equifax is unprepared to take any effective remedial actions. Their website is unable to process requests to freeze my credit. They also have not coordinated with other credit bureaus to allow me to freeze my credit without paying a fee for each freeze and unfreeze. Their phone system is ill equipped to handle the call volume as a result of their failure and they have effectively left me on my own with my personal information exposed. Equifax has offered limited credit monitoring services, but these would only notify me after someone has used this information ; it does nothing to deter the usage of this information.
Issue : - US Bank credit card was opened in XXXX XXXX : account XXXX - For 9 months payments were made on-time and frequently - One scheduled payment in XXXX XXXX was returned unpaid by my bank - immediately corrected - In XXXX XXXX, a second scheduled payment was returned unpaid by my bank - Due to this second returned payment, US Bank elected to close the credit card account completely - In doing so, US Bank confiscated XXXX reward points earned over the lifetime of the account, valued at {$2800.00} Notes to complaint regulator : - This is the third complaint I am filing against US Bank with various organizations - The credit card agreement of the above-referenced account clearly says that US Bank may close the account at any time for any reason - The credit card agreement also mentions that when the account is closed, all earned reward points will be forfeited - I therefore can not and am not disputing the contractual legality of US Bank 's actions - I am, however, filing a complaint on the basis of extremely unfair and predatory actions - While it is perfectly acceptable that US Bank may decide to close an account, I find it unfair and predatory that they should confiscate all reward points when doing so - I find that this may stem on a basis of false advertising : entice customers to apply for and utilize a credit card, allow them to earn rewards, then close the account at any time without paying on earned rewards - I am simply asking US Bank for a goodwill gesture to honor the reward points earned on my account. 
- In doing so, I would also like to alert the complaint regulator that such a credit card agreement policy ( all rewards are forfeited upon account closure ) can pave the way for such predatory practices against consumers such as I am experiencing. From my research, many other large banks have recently removed this policy altogether.
I obtained a car loan through XXXX XXXX XXXX back in XX/XX/XXXX. The loan was then transferred to XXXX XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and elected to voluntarily surrender the vehicle. I was informed by the lender 's attorney that they are not coming to pickup the vehicle. They have filed a claim in my bankruptcy case for the balance of the loan ( {$4400.00} ). I now have a vehicle I can not dispose of, if they are not going to repossess it.
Issue with chase banking/credit card service Hi, I have been using different type of credit cards along with chase credit card.. I have made a balance transfer on the credit card worth of XXXX $ at 0 % promotional APR one year back and I have been signed up for paperless statement and alerts to my email.. After an year, when I have opened my statement online, I have seen interest charge of {$140.00} ( on XXXX XXXX 2017 ) of balance transfer interest, without notifying me of my promotional APR of 0 % ends.. where as other banks use to alert me when their promotional APR ends.. seems chase has no such facility.. They do n't even mention anywhere saying that they do n't have such system FYI ... I have been using chase credit card since last 5 years never missed any payments and done on time When I spoke to customer care regarding this they do n't have proper answer to me and in the next month middle I have paid my balance in full as soon as I realized the ending of promotional APR They still charged me {$95.00} for the previous days in the month
i paid off all accounts with understanding that it would be removed from credit report. it wasnt and when i attempted to contact them and have it removed they said there is nothing they will do
I two checking accounts with BANK OF AMERICA. I have tired to close one of my core checking accounts ending in XXXX for months now. BANK OF AMERICA and it 's agents refuse to close this account. I have called the customer service line, as well as physically going into the branch and still to no avail. I was told they could not close the account because the account was negative at first. I bought the account to a positive status XXXX/XXXX/XXXX. I called and spoke to one of BANK OF AMERICA agents and requested the account be closed that very day. The agent advised me the account would be closed. I was lied to and the account is still open and now negative again. BANK OF AMERICA made an automatic transfer of {$25.00} XXXX without my authorization to my savings account and now the account is negative again. I spoke with BANK OF AMERICA agent XXXX in their New York call center XXXX/XXXX/XXXX and demanded the fees returned and this account closed. XXXX spoke with her manager XXXX and was advised they will not refund the {$25.00} nor close the account. I was told by XXXX that I would have to eat the cost of {$25.00} in order to close the account. How fair is that to me the consumer?