WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I traded in my XXXX XXXX to XXXX XXXX XXXX for another vehicle. This vehicle was financed through Ally Bank. 

I had GAP Coverage on this vehicle, which was valid at the time of trade in. 

On XX/XX/XXXX, Ally Bank issued a refund payment for the unused GAP Coverage in the amount of {$200.00}. The check was issued to myself ( XXXX XXXX XXXX ), and my mother ( XXXX XXXX XXXX ). 

Being that the check was issued in both names, we both signed the back of the check in order to deposit the funds. Neither myself nor XXXX XXXX XXXX share any banking accounts in joint name. I first tried to deposit the check with XXXX, which was dishonored because we did not have an account in both of our names. I tried again with XXXX XXXX and was also dishonored for the same reason. Both banks insisted that the easy solution was to have the issuer - Ally Bank re-issue the check one of two ways ; 1 ) in one persons name only, 2 ) split the amount and issue two checks - one in each of our names. 

On XX/XX/XXXX I called Ally Bank to request the check be reissued in either of our names alone or splitting the amount and issue checks to both myself and XXXX XXXX. They refused. When I explained the situation they refused and told me no. 

This situation has left the bank in a position to be unjustly enriched because I can not deposit the check as issued. They are in the position to cure the problem and refuse to do such. I would hate to have to sue for breach of contract and bad faith, but will have to if they do not respond with an solution immediately. Moreover, I'm sure that situations like this happen and the apathy to investigate and cure is profitable for Banks.
My XXXX XXXX XXXX XXXX credit card account : XXXX, is lost/stolen. I lost my credit card on XX/XX/2018. There are fraudulent and unauthorized charges on the account that arent mine. I want XXXX XXXX  to immediately close the account, and issue me a new XXXX XXXX  XXXX XXXX credit card account number and card. I did apply for the XXXX XXXX XXXX XXXX credit card. Every card I have with XXXX XXXX, I did apply for the credit card accounts.
This debt occurred while having a XXXX XXXX XXXX at age XXXX. My previous XXXX had XXXX and as a result my XXXX XXXX XXXX at XXXX year XXXX XXXX. 

The staff of XXXX XXXX XXXX 's office - XXXX XXXX 's XXXX, were very insensitive to my XXXX and XXXX. They treated me like I was XXXX, XXXX  me and ignored my concerns, instead of treating me with the human dignity I deserved. My concerns were valid. I even wondered if because I was of a different culture than this entire staff if that is what presented such a barrier with how wrong this went. 

As a result, I ended the relationship as a very dissatisfied XXXX and moved on to an XXXX who could provide the necessary care to me and XXXX XXXX XXXX. 

XXXX XXXX 's XXXX received payment from my insurance company for goods and services they did not fully render. The balance here is what was remaining unresolved, as all of my past attempts at resolution failed.
5 years ago I filed for bankruptcy in order to save my primary residence. At the time, my loan was by XXXX mortgage company but they 've sold the loan to multiple mortgage companies since. Now it is being serviced by NationStar. I completed my bankruptcy requirement and repaid everything stipulated by my bankruptcy agreement. So it has been discharged and I am now officially out of bankruptcy. However, when I first filed the bankruptcy 5 years ago, the agreement was that I would pay {$1300.00} ( principal + interest + escrowed taxes & insurance ) as regular monthly mortgage payments to the bank, PLUS, $ XXXX monthly to the bankruptcy trustee to cover everything I had in arrears ( everything that accumulated from my mortgage company, i.e, back-mortgage payments etc. ) In other words, the trustee payment covered everything the mortgage company said I accumulated while in arrears before filing bankruptcy. 
During my bankruptcy, the mortgage company neglected to pay my property taxes, even though it was part of monthly payment of {$1300.00}. They even tried to not pay my insurance. After arguing with them back and forth they then began paying the insurance, but still not the property taxes. As a result, the XXXX sued me on multiple occasions for non payment of property taxes. I explained to them that my taxes are included in my monthly payments to my mortgage company and they should have been paying the taxes but have neglected to do so. The XXXX attoney 's XXXX XXXX XXXX informed me that that was not the city 's concern and I had to pay the taxes. So, I entered an agreement with the city and paid approximately {$5000.00}? ( estimated ) over the corse of about a year and half but did not pay off the entire amount. I got a stay in payment because XXXX attorney found out that I was actually in bankruptcy. So, at that point, not only was I paying the mortgage company principal, interest, taxes and insurance in my monthly payment, The trustee was ALSO paying the mortgage company AND I was paying XXXX ( because the mortgage company refused to pay. ) For the entire 5 years, I had tried to have the mortgage company explain to me why the refuse to pay my property taxes even though I pay it every month in mortgage AND the my trustee payment covered everyhing that they claimed I owed them. I got the run around for 5 years. I XXXX of last year, Nationastar finally ( and out of the blue ) decides to pay my property tax balance. However, as of XXXX XXXX, 2015 ( mind you, I am no longer in bankruptcy, I 've paid everything and my bankruptcy is officially discharged, and I 've made every monthly mortgage payment to date ). All of a sudden, as of XXXX XXXX, 2015, NationaStar has decided to raise my mortgage by {$540.00}. So now, instead of paying {$1300.00}, They now say my monthy payment is {$1800.00}. They have given no reason why they 've raised it. I am on a fixed rate mortgage and has always been on a fixed rate mortgage since bankruptcy and Nationstar has decided to raise it because they can. Everytime I call to speak with them, they are rude, hostile and sometimes even hang up the phone. PLEASE HELP ME.
Based on previous complaints, now more than 60 days passed from the day I sent a certified mail asking for the validation of the {$50.00} debt validation. They haven't answered me yet! 
The last company 's response proves that ( 1 ) they failed to answer me after more than two months, ( 2 ) they never contacted me but they reported directly to the credit bureaus, and ( 3 ) they want to send me the billing not any validation!
On XX/XX/XXXX, Equifax reported that a security breach compromised the personal information of millions of creditors.
On XX/XX/XXXX, I used the EquifaxSecurity2017.com website to determine that my information was breached - according to the site, " based on the information provided, we believe your personal information may have been impacted by this incident ... '' I also signed up for a 90-day fraud alert.
Signed up for a Citigold account with a promotion code XXXX on XXXX/XXXX/16 that had a bonus of XXXX miles when meeting the promotional terms ( 2 consecutive bill pays and {$1000.00} spend on the debit card ). Met those terms, and asked for confirmation through secure message on XXXX/XXXX/16, and CSR confirmed that I have indeed met those terms and the miles will be credited after XXXX/XXXX/16 within 10 days. Miles have not posted, so I ask through secure message again, and on XXXX/XXXX/16 received notice saying that I was not eligible but will be receiving notice through the promotions department soon. I have not received any notice since. Upon searching through the CFPB database, there are hundreds, if not thousands, of cases similar to my situation, which means that Citibank knowingly tried to not honor the promotion to many of its customers.
I have a card with Chase Bank ( Amazon rewards ), which I 've had for at least 7 or 8 years. I have managed this card very well and have utilized less than 20 % of my available credit limit. On or around XXXX/XXXX/15, I called into the customer call center to request a balance transfer option, as I wanted to transfer a higher rate balance to my chance card for a lower amount. The woman that I spoke to identified herself as a manager who informed me that she personally has a Chase Freedom card. She explained to me that while the option was not currently available on my online account, she would request the marketing department to enable the balance transfer option for me, and I should see it most likely within 3-5 business days. She explained to me that the managers can request this on behalf of customers, and that customers sometimes stop getting the balance transfer offers when they do n't use them. She advised me to check the online account or call back to see if the offer was available, as the marketing department did not take customer calls. This manager sounded Caucasian, and also had an XXXX which I placed to be from the XXXX of the US. It was clear at the end of the call, that Chase would accept my balance transfer, so long as it was under my total credit limit on the card. 

I called back a few days later to check on the status, and the person at that time informed me that the balance transfer was still *in process. * I called back again sometime last week ( on or around XXXX/XXXX/2015 ) and spoke to another supervisor who claimed that all of the above was impossible, and there was no way to request balance transfers. 

I do not appreciate conflicting information, and am very eager to receive the balance transfer offer which I was promised. My understanding after speaking to the first manager was that I would receive this balance transfer offer very soon. I have a deadline to transfer the funds before the end of the month, and given that a manager from Chase offered me this option, I will hold Chase responsible for any interest charges that I accrue after XXXX XXXX, 2015. 

Thank You, XXXX XXXX XXXX
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via XXXX # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on Equifax 6. Credit Limit is {$0.00} on Equifax 7. Date of Last Payment is incorrect on Equifax 8. Account Status on Equifax is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 (  a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : Equifax dispute - XX/XX/XXXX, XXXX  Dispute - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
On XXXX XXXX, 2015 I got a very attractive credit card offer from XXXX XXXX ( incl ). Major benefit included : " {$150.00} cash back bonus. Spend {$500.00} in the first 90 days of Cardmembership and earn a {$150.00} cash back bonus ''. Same day I 've applied on-line and was approved. On my first statement, dated XXXX XXXX, 2015, I 've spend total {$800.00} and on XXXX XXXX paid in full ( incl ). According to the fine print : Bonus points will be credited to your account 6 to 8 weeks after you reach the {$500.00} spend ( incl ). So, I completely followed the rules and meet all requirements. Then I was patiently waiting for XXXX/XXXX/2015 statement to get my cash back bonus. Unfortunately, my XXXX statement arrived with no bonus and I call the XXXX XXXX customer service. Analyst agreed with my concern and advised me that resolution will come shortly by mail from a different department. On XXXX XXXX, I 've received the letter ( incl ) indicating that bonus rewards will be posted 10-12 weeks from the end of the offer period, which is additional month on a top of 2 month in original offer. I 've wait another month, but XXXX statement also come with no bonus. On XXXX XXXX, 2015 I called again customer service and spoke to several people including the manager. Nobody, including manager, was not able to give a clear answer why I do n't get my cash back bonus. Manager was so rude and unprofessional and told me : If I do n't like the service I should close the account, which I did ... 
Please investigate and advice ; what are we dealing here : false advertising or just poor service? Also, how come such a bad company can use and apply American express logo?
Our mortgage was just transferred to Freedom Mortgage XXXX XXXX, the letter we received stated we needed to send payments beginning XXXX XXXX to them. I had scheduled our mortgage payment through our old lender already and could not be cancelled. 

I contacted both XXXX XXXX and Freedom Mortgage immediately to inform them that the payment had been sent to XXXX. Both XXXX and Freedom informed us that we had a 60 day grace period for XXXX to send the payment and that it was no problem at all. 

We are getting daily calls and multiple letters in the mail from Freedom telling us that we are late. We have now received a packet from Freedom asking for all of our financial information, ways telling us all the different ways to avoid foreclosure, a Uniform Borrower Assistance Form. 

We are completely up to date on payments, there is no reason a mortgage company should be able to foreclose on us. Freedom refuses to contact the company to work with them to get their money. It is completely up to us to figure out how to get XXXX to give Freedom the payment we sent, otherwise, we are going to have this go on our credit and possibly lose our house- over being up to date on our mortgage payments.
Looking at the documentation that was provided to me by both the credit collecting agency and the " Orginal debtor '', I have several concerns. The alleged receipts concerns me. ( I 'll refer to them from here on as " receipts '' but they are a list of charges with not explanation. I do n't believe they are valid receipts. ) The " Original '' receipt is just a list of charges with a signature from the manager at the time. When I contacted the debtor, it turns out that the original manager is not only no longer working there, but it was purchased by a new company. They have no idea what happened during that time at all. What 's more concerning is that other than my lease agreement, the only other " receipt '' is a copy of the original " receipt '' mentioned above with the words Make Adjustment written across it. That " receipt '' is also months older than the original. XXXX were signed by the same manager. It looks like XXXX receipts are invalid. More over, when I contacted them to better understand the charges, they could n't provide me with any information. They did not have any materials receipts or contractor receipts. There was also absolutely no proof that the work they are charging for was completed or who completed it. In fact, the only thing they could tell me what that I allegedly owed them money and they had " documentation ''. However, not only have they had that debt for more than a year, they did n't contact me about it and decided to give it to debt collection agency a month or XXXX ago. None of this makes any sense to me. I believe that what they are claiming is fraudulent and they are attempting to extort money from me. 
When I contacted the collection agency, I requested that they provide me with a debt verification consistent with Texas Law. ( As I currently reside in Texas ) They could not provide all the required information. Under Texas law, if they can not verify that the debt is mine as well as prove they hold a Texas surety bond within 30 days, they are required to delete my debit trade line from their system. Fidelity Creditor Service had refused to do so. I also brought up my concerns about the validity of the debt and Fidelity Creditor Service will not address it as it 's not in their interest to do so.
this company discriminates. i asked for help on past due payment history on my account. i asked for the late fee marks on my account be removed due to working on my credit. having a new card in good standing, due to me being XXXX and XXXX  XXXX XXXX. i was asked private info regarding my XXXX XXXX XXXX, i was told i was a liar that the call didnt exist until 3 weeks later the call was found. i asked for my late payment reporting history to be removed. this company says they dont remove negative history from credit reports when in fact they do and have done so. i have proof. they called me a liar asked for my XXXX info all to deny me. this company is sad. they did no research from my initial email to assist me. my proof attached shows that this company lies, they pick and choose. they discriminate. they are awful. they are able they can help but they wont help women.
We had a 5 year balloon payment with TCF National Bank. It expired in XXXX 2016, and my wife and I signed a Maturing Closed-End Loan Modification Agreement on XXXX XXXX, 2016. 
TCF still bills us at the old rate, saying that we are now {$2200.00} overdue in our mortgage payment. We are not overdue. Every payment has been paid on time and for the new amount. I have called TCF and they do nothing to rectify the situation.
On XX/XX/2018 I sent a certified letter notifying your company that youve listed erroneous information on my credit file but you ignored for several months, you sent a letter stating that it was verified but to my knowledge I dont recall owing a debt to your company. If you look up my name you will see several people with the exact same name. Please dont compromise my name with anyone else. In order to conduct this matter correctly, I have taken legal actions against your company for violating my rights under the FCRA. Your company has violated more than just a few FCRA laws. You have also violated my right by using my consent without contacting me off such a debt or erroneous account displaying on my credit file. I have attached a letter to this message. I prefer to take this matter to court to get this resolved immediately and removed permanently. I am very disappointed that as a company you tried to collect an erroneous debt not owed by me and you consistently harassed me by phone, sending someone to my job, calling my job and also trying to place a lien on my account. For that reason I am suing your company and I am seeking {$5000.00} for damages you have caused to my credit file. I must admit that I have experienced being a victim of identity theft, I was affected by the breach with XXXX  and a few more other companies. I am allowing 72 hours of a response upon receipt for an internal dispute to take place for this matter. I am also sending this as an affidavit so I should hear back from your company within 3 days if not the filed lawsuit will remain as is and the dates as well.
On my credit report, my negative accounts are repeated. It looks as though I have more than I actually do. the loan for sallie mae says " paid as agreed '' but It also appears saying " XXXX days past due ''. Most of the accounts are showing up multiple times, and with conflicted reports.
I had defaulted on a FFEL Consolidated loan in XX/XX/XXXX. The loan was then turned over to a collection agency. I have been on a payment plan with this collection agency for 21 years, and I have not missed an agreed upon amount payment, but my loan is still showing to be in default status. 
In XX/XX/XXXX I received a letter stating " Congratulations, you are only two more on time payments away from qualifying for student loan rehabilitation ... Once your loan is sold, your default will be over ... '' Why only two more on time payments? I just made over XXXX on time payments ... why now? why was n't I offered a rehabilitation 15 years ago? If I was, this loan would have been paid off and I would n't be having a balance of the following : As of XX/XX/XXXX : ( 22 years after going into default ) Accrued charges = {$97000.00} Applied to interest = {$75000.00} Applied to collection costs = {$21000.00} Misc fees = {$470.00} Applied to principle = {$0.00} Payments = {$84000.00} Beginning balance = {$38000.00} Ending balance = {$52000.00} Is it the collection agency or loan holder 's due diligence to collect on a loan and not drag it out? A loan of {$38000.00} and a repayment plan totaling {$130000.00} ... is that legal? 
A mark up of over 350 % on a Federal Student Loan? When I was making a payment every month for over 20 years.
Please see attached a stipulation from the office of Attorney General, Commonwealth of Massachusetts. Several years ago I obtained what was to be classified later as a usurious vehicle loan from XXXX XXXX. This bank later merged with XXXX XXXX and hundreds of their charged off vehicle loans were disallowed by the Attorney General in 2017. Accordingly, as the XXXX charge off is still on all of my credit bureaus, they exist illegally. XXXX is in violation of their subscriber agreement with all credit bureaus, and the evidence is attached that there is no permissible purpose for the trade line to exist. The trade line must be removed permanently.
XX/XX/2018 Good Morning, this letter is in regards to my accounts that are paid off. I would like this information to be updated on all of my credit reports. All account should state paid in full with a positive history of payment. Please see attached proof of payment and positive payment history. 

The correct information is with XXXX -- -- Paid in full XXXX -- -Paid in full XXXX -- -Paid in full Thanks XXXX