WillisBack/dataset-financial-user-claim huggingface dataset:
I USED TO HAVE AN XXXX ACCOUNT FOR MY VEHICLE. I SOLD MY VEHICLE IN 2014 AND DID NOT RENEW MY XXXX ACCOUNT BECAUSE I AM USING XXXX AND DO N'T HAVE A VEHICLE ANYMORE. TWO MONTHS AGO I WAS TRYING TO GET MY STUDENT LOAN AND THEY PULLED MY FILE AND ADVISED ME THAT THEY CAN NOT FINANCE ME A LOAN BECAUSE I HAVE A COLLECTION FROM SOUTHWEST CREDIT SYSTEMS. I HAVE CONTACTED THIS COLLECTION AGENCY AT XXXX AND THEY INFORMED ME THEY ARE COLLECTION FOR XXXX COMPANY. I HAVE EXPLAINED THEM THAT I HAVE PAID THEM FOR FULL YEAR AND NEXT YEAR DID NOT RENEW MY ACCOUNT BECAUSE I SOLD MY VEHICLE AND DID NOT NEED XXXX ACCOUNT ANYMORE. ALSO I NEVER HAD A CONTRACT WITH XXXX COMPANY. THEY HAVE REFUSED TO SEND ME ANY TYPE A CONTRACT THAT I SIGNED. ALSO INFORMED ME THAT I OWE THEY {$120.00} AND IF I DO N'T PAY THEY WILL HURT MY CREDIT FOR ANOTHER 5 YEARS.
The caller states that they are recording the call and they are calling from the Law Offices of Mitchell Bluhm. They present a birth date and ask me to verify it. During the first call, I stated I did not wish to be recorded and they hung up. During the second call, I told them I do not verify personal information to unknown callers and asked why I was being called. At that point, they terminated the call.
Liberty Loan keeps contacting me in for a loan issued to XXXX XXXX. I have nothing to do with that loan and I want them to stop calling me ASAP or I will file legal actions against them. I have no ties with her and I want them to leave me alone.
XXXX   XXXX   XXXX   is attempting to collect a medical debt for   XXXX   XXXX   XXXX   XXXX   in  XXXX  nj from over  3years ago.      all  XXXX  credit bureaus have failed to invesitgate nor reply with a outcome!
This is a debt for my son in law brother no relation to me.Her name is XXXX and told me to pass the information on and have him call her she told me she was from XXXX XXXX XXXX and said she would call me again if he didn't call her. She should not call me no matter what I am no relation to the person she is trying to collect from therefore there is a privacy issue. I did not sign for his student loans or was I used as a reference. This is unethical practice.
On three occasions, I tried to open a savings account at XXXX XXXX XXXX  branches located in XXXX, TX. The bank disapproved my application to open a basic savings account. The disapproval was solely communicated verbally and the bank refused to provide a written disapproval. The personnel I dealt with at XXXX XXXX XXXX  stated that they chose not to open a savings account for me because I appear to be a XXXX. I contacted ChexSystems. According to my latest ChexSystems report, I have no overdrawn bank accounts. I filed numerous complaints against XXXX XXXX with governmental authorities. Recently I received a letter from XXXX XXXX stating that they disapproved my application for a savings account due to information received from ChexSystems. They provided a letter on ChexSystems letterhead stating that ChexSystems disapproved the account. The ChexSystems letter disapproved the account, but stated no reason for the disapproval.
I served as a guarantor on my former colleague 's apartment rental lease, for some reason my colleague owed the landlord ( XXXX ) a debt of {$220.00}. The landlord sent this debt to a collection agency without noticing me, and the collection agency ( Collection Service International ) reported this debt to the credit bureau without noticing me in advance neither. On XXXX XXXX 2015, I got a debt collection notice from the collection agency, I was told that this debt was reported to the credit bureau at the end of XXXX and had affected my credit history since then. 

I contacted them on XXXX XXXX 2015 and questioned why not notice me before reporting the debt to the credit bureau, they said they are not required to. I was also asking them to provide a written document that shows it 's not required to notice me before reporting to affect my credit history, they refused to do so as well. 

I am not very comfortable to bare the damage on my credit history without knowing what 's going on. No of the three parties ( my former colleague, the landlord or the collection agency ) have noticed me of this debt in advance.
My auto loan has been open since XX/XX/XXXX. XXXX has been reporting for years accurate information then out of nowhere they delete the account. The account, XXXX XXXX, is 1. Open 2. Reaffirmed during bankruptcy 3. Has 1 late payment on XX/XX/XXXX 4. Is current and paid satisfactory according to Bank.
This XXXX XXXX company just started reporting on my credit report an amount of {$1200.00} on one and the other of {$490.00} I don't know what these are for, they state is for XXXX College a college that closed its doors and is currently in a court case due to XXXX  student loans and they are claiming balances that has nothing to do with the student loans that I have thru the school. It is hurting my credit and I never received letters or anything from them explaining what those balances where for
XXXX, XXXX, and Transunion are not taking my claims seriously. They are not providing any evidence of how they made their decision. If you ask them to show you how they verified the negative information on my file they will not have an acceptable answer. All I ask is that they conduct a fair investigation but they are not.
This complain is against OCWEN FINANCIAL SERVICES.
We have had our Mortgage through OCWEN FINANCIAL SERVICES for almost
6 years plus. We originally started with GMAC until they went bankrupt and sold our mortgage to OCWEN FINANCIAL SERVICES. We have had numerous problems with this company. ( too many to mention ) The complaint we would like to make today is the fact that OCWEN refuses to put my husband 's name on the mortgage, even though it was on it in the first place until they refinanced the mortgage. OWEN FINANCIAL SERVICES stated that my husband 's name could not be added because he was in a bankruptcy and the house was included in this bankruptcy. We have told them time after time that the house was NEVER-NEVER-NEVER in any bankruptcy. Our attorney wrote letters and called them saying that the house was NEVER in bankruptcy. Still OCWEN would not add my husband 's name to the mortgage. We would like this matter to be looked into and corrected so that my husband 's name is put in first place and then mine to follow. We want it this way so that his credit gets built up as he makes all of the payments. Right now he has a very low credit rating and it is because he is not getting the recognition of having paid this mortgage payment. Please try to remedy this situation as soon as possible.
There are two collection agencies involved here. The XXXX XXXX XXXX XXXX XXXX-Collections and XXXX XXXX XXXX. 
Debt Amount was {$3500.00} original delq. date.XX/XX/XXXX At that time that agency tried to get me to agreement voluntary repayment with a signature for the Exchange. I refused, I don't own them anything the bill The XXXX XXXX XXXX treated me to pay the all with interest. I didn't give them or do business with them. I own them nothing, I don't own this agency nothing. They used the same logo that fall under the Army & Air Force Services. 
U.S. DEPARTMENT OF THE TREASURY, BUREAU OF THE FISCAL SERVICE SET THIS BILL AS A SET OFF ON MY SOCIAL SECURITY ADMINISTRATION. TOP trace, non-tax Federal Debt. I must pay you in anything other than appropriate commercial paper should the debt be proven valid because to my knowledge, the U.S. congress provided the appropriate solution for me to settle my debt via the remedy in House Joint Resolution ( HJR ) 192 of XX/XX/XXXX.
About a year ago,   XXXX   of 2016, I received a notification in the mail that it was my last chance to take advantage of a special program that provided relief for people buried in student debt. I investigated by calling the number that was provided and was guided through an information exchange process by a woman named   XXXX   XXXX  . She claimed that if I gave her company my tax and personal information, I could partake in her company 's program that, in her exact words, " would wipe out my federal student debt after 20 years of payments to them. '' This company was EQUITABLE ACCEPTANCE. What I did n't know was that the way she planned on doing this was by lying on my behalf on a federal form. EQUITABLE fraudulently reported to  XXXX , my loan servicer, that I had as many as   XXXX   dependents in order to get a $   XXXX   monthly payment, then charged me {$40.00} a month for it. It shows up on my credit report as a credit card thats maxed out, on which I am making minimum monthly payments. EQUITABLE applied MY SIGNATURE to false information on MY BEHALF, took advantage of the stressful situation I was in, misled me with half-truths and took my money.
I had failed to make a timely credit card payment to Barclaycard XXXX XXXX. This was just a matter of forgetting to pay my bill. 
Received an email notification reminding me of my need to pay and that it was delinquent. My Account balance to pay was {$180.00}, due XXXX/XXXX/2016. My new statement with additional purchases of {$2700.00} arrived with a due date of XXXX/XXXX/2016. My new statement indicated a late fee of {$27.00} which is standard. It also had an interest XXXX of {$34.00} which is for the unpaid balance of {$180.00} and should not be applied to the new purchases until that payment is delinquent. So an interest charge of {$34.00} for {$180.00} equals 18.29 % for 1 month! or 220 % annualized. Check their math!
I paid off my credit card so had a XXXX balance there was a charge of XXXX i guess left over. i never got a bill or call and they assumed no wrong doing. i would not have let a XXXX bill get reported late after years of service. they were rude and due to errors with chase they reported me 60 days late. chase calls me for every stupid thing. i did not get one call about this small balance. as soon as i discovered it i paid it.. 2 months no bill no call no email.
They are threatening me for a debt with from A company called XXXX XXXX. If I do not settle this will be sent to a law firm in my area.
XXXX claims I owe them money, I do not, They refuse to provide proof of this debt, The XXXX representatives ( XXXX XXXX ) have lied to the Arkansas Attorney General, and the XXXX, ( I have this well documented ) and still harass me by employing collection agencies to act as their agent to continue this harassment, The latest agent being GC services.
I am a former Well Fargo Dealer Services Customer. I have had my loan with them for 5 years without a problem. However, in 2016, I had auto insurance added to my car loan balance. I paid directly from my bank account the same amount for 5 years. I then began to get late payment notices and they began to add to late payments to my credit record. I contacted Well Fargo. I requested an investigation and I contacted the individual credit bureaus. I finally gave up as I only had a few thousand more to pay. The negative reporting of late payments tanked my score. I did not want the insurance and never requested the insurance. All of a sudden, I had unwanted insurance and bad credit.
This is a complaint that was never resolved by CFPB. The complaint number was # XXXX. Although HSBC\HFC deemed my account eligible for the XXXX pay, and reduced my monthly payment to {$890.00}, but by the same token, has changed the condition and agreement of the deed\mortgage. They have single handedly attached the property tax to be included with the mortgage monthly payments without a closing, or agreement or consent by me. How is that possible? I do n't see how this mortgage company was reprimanded or lawfully dealt with! They are in error, ON SO MANY levels. My tax payments did not need to be paid by any XXXX, as there were no lien on the property for arrear payments. Not then or now! Each year during my chapter, I may have been short, but not enough to place a lien. This was confirmed by the XXXX Department. I would appreciate your taking another look into this matter as WRONG doing is definitely apparent throughout this whole ordeal. my constitutional rights are being violated, while this body " CFPB '' does nothing. How is that? 
Thank you XXXX XXXX XXXX
HELP CHASE refuses to honor sign-up bonus points worth {$500.00}. 

I applied for a Chase Sapphire credit card because of the XXXX bonus points offer if I purchased {$4000.00} within the first three months. I applied for the card in the beginning of XX/XX/XXXX. Well, you know the saying, out of sight, out of mind. I never thought about that I had not received the card until mid XXXX when my son me if I ever got her Chase Sapphire card. 

OnXX/XX/XXXX7 we called Chase to report that my mother had never received her card. From what the customer service representative told us, the original card ending in XXXX had not been used. So she cancelled that card and issued a new, replacement card XXXX. It was mailed onXX/XX/XXXXXX/XX/XXXX. 

I am not sure what date I received the new card, but the first purchase was on XX/XX/XXXX. My first statement has an Opening/Closing Date of XX/XX/XXXX XX/XX/XXXX. I have Purchases since that first purchase that in the first three months totaled {$4800.00}, which is clearly more than the required {$4000.00} within the first three months to get the XXXX bonus points. But I never did get the XXXX bonus points, which have a cash value of {$500.00}. 

When we contacted Chase about the points, they replied by saying : After reviewing your account, we show the requirements were not met in order to receive the XXXX bonus points ... ; thus, they denied honoring their offer. I never received the first card XXXX, so I could not have made any purchases with that card within the first three months. Moreover, I did fulfill the requirements for the new XXXX card. I have subsequently followed up with Chase but received a second denial letter for the same reason.
XXXX XXXX, XXXX VIOLATED THE STATE DO N'T CALL REGISTRY TWICE, 3 STATE CONSUMER LAW 'S AND DECEPTIVE COLLECTION PRACTICE.
I have had a Citi credit card for over 20 years and I was informed by them by letter that they are going to transfer my card to XXXX XXXX. I have the Citi XXXX XXXX XXXX XXXX card and they want to transfer it on XX/XX/XXXX to XXXX XXXX and turn it into the XXXX XXXX XXXX XXXX XXXX XXXX. I do not want this transfer to take place, I have not authorized it, and I already have a XXXX XXXX XXXX XXXX XXXX XXXX. I want to keep my Citi Visa card, even if it means having a different kind ( i.e., non-XXXX affiliated card ) with Citi. 

I called up XXXX, Hilton, and XXXX XXXX on XX/XX/XXXX and no one would help me and they all said there was nothing they could do. XXXX XXXX said they would not have access to my Citi details until XX/XX/XXXX and XXXX said I had to talk to the card issuers. 

I then contacted a supervisor at Citi on XX/XX/XXXX called XXXX ( Employee ID : XXXX ) who told me the transfer will go ahead and I ca n't stop it. XXXX told me that it could have been stopped if I had called in XX/XX/XXXX or XX/XX/XXXX but that they did not communicate this to any customer, and kept it secret, and all the literature sent to us only ever mentioned the end of XX/XX/XXXX for the transfer. In fact, Citi only sent an email alerting customers to this transfer on XX/XX/XXXX, which is two months after the XX/XX/XXXX deadline to transfer it. This is very deceptive. 

I complained to the Citi Cards CEO on XX/XX/XXXX by email to XXXXXXXXXXXX. I received a response on XX/XX/XXXX stating they would not help me. I am attaching the XX/XX/XXXX email from Citi and the letter from the Citi CEO. Additionally, the links to the FAQ about this transfer can be found at : http : XXXX and at : XXXX XXXX XXXXXX/XX/XXXX and at : https : //online.citi.com/XXXX XXXX I want this unauthorized transfer of my credit card stopped. And if they wo n't stop this I want compensation for all this distress and hassle it is causing me and I want the company fined for wrongly terminating my credit card and then giving me another one ( an XXXX XXXX card ) that I definitely do not want and did not authorize.
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XXXX XXXX, XXXX by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XXXX XXXX, XXXX and they completed the request on XXXX XXXX, XXXX. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
LoanCare mortgage servicing failed to provide/send updated mortgage servicing information to the stated insurance company despite receiving this information from my previous loan servicing company. Consequently, the homeowner received several bills for the home insurance premium. Furthermore, the home owner has an escrow account with LoanCare with more than enough funds in the account to cover the insurance premium. 

LoanCare has continuously engaged in egregious customer service practices, which causes the consumer/homeowner unnecessary duress as well as substantial lost of time and in some cases money as the consumer attempts to resolve the issue ( s ) at hand.
to whom this may concern my identity was stolen and the thief try to apply for several credit cards using my social security number and my name I did not authorize this transaction they have totally ruined my credit score it has  calls such a major heartache on me financially and mentally can someone please assist me and having these removed from my credit this was put on there as a hard inquiry and I would like to have that hard inquiry removed please I would very much appreciate some assistance Creditor Contact Details XXXX  Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Creditor Contact Details Cap One Inquiry XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Creditor Contact Details XXXX XXXXnquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
I am being sued by XXXX XXXX XXXX in the state of California. The debt I created with XXXX XXXX XXXX was created in the state of XXXX. I did not sign for the debt in the state of California. Why am I being sued in the state of California? 

Also, I received a letter from XXXX XXXX , Executive Office of Customer Advocacy for XXXX, dated XXXX XXXX, 2015. This letter was pertaining to an investigation that XXXX performed concerning my previous CFPB complaint. She stated that Winn Law group reported that there were XXXX repayment options offered to me which I declined. This was a false statement made by Winn Law Group. I was offered only XXXX payment option which was a 60 % reduction of the balance in a XXXX lump payment or XXXX monthly installments. I declined the offer because I thought the debt had passed the statue of limitations to be sued on in the state of California. So, I decided to make a complaint to the CFPB for relief of this debt. Additionally, the Winn Law Group stated to XXXX that I declined another offer of a two year repayment plan. The law group never made an offer of a two year repayment plan to me. This is false. When I spoke to XXXX XXXX, a lawyer at Winn Law Group, I told him that they never mentioned more than XXXX option of repayment to me ; however, if there is another option for me, I would prefer a 60 % reduction of the balance with a first payment of {$3100.00} and the remainder to be divided into XXXX monthly installments of {$260.00}. XXXX agreed that this was a doable arrangement ; however, I did not hear from him anymore on the matter. I faxed him a copy of XXXX XXXX ' letter for his records. 

I received a letter from Winn Law Group dated XXXX XXXX, 2015 stating that they have verified my debt with XXXX and it is their intention to continue with collection activity. I was instructed to consult an attorney if I have any questions about my liabilities. 

I have made XXXX attempts to make a financial arrangement to settle this debt ( my XXXX offer was a lump sum of {$3000.00} dollars ) and Winn Law Group does not appear to be willing to settle this debt in a civilized manner. I am trying to avoid payroll garnishments and unauthorized withdrawals from my bank account. As a consumer, what can I do to protect my assets when I have tried to make repayment arrangements?
A miscellaneous company did a hard pull on my credit report, and I have no idea who they are and did not give permission. The name is cbcinnovis.
Greetings, I have initiated a multiple disputes with XXXX  over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for the XXXX to respond with validated proof to delete this account per the Fair Credit Reporting Act. I have provided all requested documents to XXXX   including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " Bank of America '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX- Account # : XXXX XXXX XXXX : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX DOB : XX/XX/XXXX
OCWEN Mortgage company is refusing to address an over-charge for wrongly calculated escrow of taxes and insurance. We have NEVER missed a payment but they are applying our payments to some sort of holding account and not giving us credit for prompt payment. Please help us obtain the address of their registered agent in New Jersey, so we can file a small-claims lawsuit and get this resolved. The problem has been festering for 6 long months. Thank you!