WillisBack/dataset-financial-user-claim huggingface dataset:
I had a Motor Vehicle Record background check performed by Accurate Background on XX/XX/XXXX for a promotion I am in line to receive at XXXX. During the check my license was suspended due to a clerical mistake by the Department of Public Safety. I had paid a surcharge off in full but they showed that I still owed {$21.00}. This was due to a discrepancy with a " convenience fee '' when paying online and was of no fault of my own since I had paid the total amount owed. The MVR background check came back showing that my licence was suspended even though I had contacted DPS and had the problem corrected. My license is current and valid now and I want the MVR background to reflect this.
Hello, I am writing in regard to the failure of receiving my pricematch benefit from Citi 's  Price Rewind program. 

I contacted Citi 's customer service and provided my case number and spoke with a claims adjuster named XXXX on XX/XX/18 at XXXX XXXX est. She told me my timestamped screenshot of the advertisement was not valid and could not substantiated at the store. This was a clear tactic Citi uses because I was familiar with their usual runarounds in trying to deny my previous claims with correct and valid documentation. 

To provide greater background, I have had the same issue with the Citi Price Rewind program last year to the month coincidentally and they provided the same baseless reasons in order to deny my claim by providing false details and interpreting their clear-cut terms and conditions in a fickle manner. The claims were eventually approved through CFPB as did my all my other claims from other times using this type of advertisement. 

XXXX promised me she would call me back that night and does not but eventually does on the following day at XXXX est on XX/XX/18 at a time I explicitly told her I would be busy at work. 

In the call she reiterates that she verified with the store and provides me with a current XX/XX/18 current item pricing to which I doubt because I verified with the store and the information I received conflicts with what I received from XXXX. Additionally, the information she provides is irrelevant because I am not submitting an advertisement for XX/XX/18 but in fact it was dated on XX/XX/18 and this information was valid and in stock at the time. Eventually later on XX/XX/18 a supervisor named XXXX informs me that they are standing by their original claim denial decision. 

Thank you
My mortgage application fell through because of this company 's negligence and incompetence. Their loan process, where multiple people sends and asks information online ( repetitive often times ), and ignore customer 's comments and questions. Few days to closing, this company stated their concern about the source of my funds and had to decline my application unless my wife is included in the loan. This is three days  before closing! The funds source was mentioned early on the application and I have been transparent with them and responds on time. If they actually paid attention to details and did their due diligence, it would not have reached this point. The customer is at the losing end and this company should be at fault and be held responsible. The manager and  the customer representative, XXXX XXXX and XXXX XXXX, were not as apologetic as they should be. 

I should have taken seriously the complaints against this company by numerous customers as seen in different review websites so I would have not been a victim myself. 

Consumers should be warned not to do business with this company and the government should also take a close look/investigate as to how this company do business.
Disputes with : XXXX XXXX - Equifax # XXXX - XXXX XXXX and XXXX XXXX # XXXX. I 'd submitted complaints and disputes to all of them because it was irresponsible and no reason to XXXX XXXX to report me as " Consumer Deceased ''. It has caused me a lot of undescriptable headaches with possible and/or current creditors. The only thing that I got from my communications with every Credit Report Agency is that some of the has restored the credit score that went down to XXXX point. Still missing credit score with Equifax and XXXX because Equifax has not reported yet to XXXX XXXX and for XXXX I have to pay. I 'm alive and in good health except for issues due to my age. As a matter of fact, I talked to XXXX XXXX customer service agent XXXX, and he supposedly transfer me to a supervisor but the person never answer the call and it was dropped. I called again in english and the english speaking agent transfer me to XXXX who never answer. I decided not to continue calling. The XXXX XXXX account number is XXXX. My credit report with Equifax and XXXX still says " Consumer Deceased '' even though I talked to them and said, listen to me, I 'm alive, make the correction now. If, be the end of the week such information is not corrected, I 'll be contacting a lawyer. and take the necessary measures to resolve this in another way and/or place. I apologize if I sound rude but you can imagine how I feel. Somebody will pay for this horrible mistake. Thank you.
I was contacted by a Company named API Recovery Solutions. I was told that I had 2 days to pay the debt or I would be taken to court. I was so scared that made a payment. After researching the company online I can not find any legit reviews for them actually being a company. Everything I read says that it is a scam. I am not sure what to believe at this point. I cancelled my bank card and told the company to leave me alone and they said they would take me to court and garnish my wages. I want to get this paid but I am not paying a scam artist.
XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, NC XXXX ( XXXX XXXX XXXX XXXX ) {$660.00} XXXX, 2017,XX/XX/17. This company has put this on my credit report ( XXXX, XXXX, and XXXX ) in collections and they are n't licensed to collect in TX nor do I reside in MS or NC.
Good afternoon XXXX and Navient student loans merged and my interest rate increased significantly. I am never late and I overpay but my interest is still outrageous. Please help.
Transunion and XXXX  have addresses that aren't mine wrong dates accounts still open wrong balances XXXX has my dad 's addresses and phone numbers wrong balances on the free annual report but I have an account with them and none of that appears on my account there giving me a different report than the free annual report says
Hi My name is XXXX XXXX My loan was originally listed as XXXX XXXX XXXX. 

We received a Mortgage from HSBC back in XXXX 2003, after keeping it we fell into hard times and was approved for a loan modification and then the worst thing that could ever happened. The person who approved it after they reviewed our financial records stated that we were all set and that someone who was her boss was going to speak with me. When she turned the phone over to him, he was the worst person I had ever talked to in HSBC at the time and flatly told me that he did n't care who approved me that he was n't and after the conversation left me crying in the rain at XXXX XXXX. I complained and called back because we had met the qualification criteria and received a call from HSBC on the terms and conditions of the loan modification. 
However, because he was having a bad day, it prevented us from getting the necessary assistance needed. I 've called you all on more than one occasion, even when dealing with XXXX I was advised to reach out to someone. This was the case of someone who abused their power to prevent us from saving our home. I may be insignificant to you, but this was our first home and we lost it because someone decided to exhort there authority aggressively. 
When you mistreat people it does tend to hit the company the hardest even when the majority of the company is not responsible for a few people who operated in corruption, but the acts of one person can hurt and this is the same situation. I 've sent letter by mail, and I 'll called via phone on numerous times and no one returned my call. I 'm trying again to reach out to someone that will hear me and have compassion to help us. As this event was unfair and we were mistreated. 
The address at the time is listed below. I have n't given up because this happened years ago, it 's still wrong and should be addressed. 

I look forward to hearing from someone at HSBC. 
Regards
Back in XXXX of XXXX I found that I was being charged for a " Debt Protection Fee '' on my Best Buy Credit Card that I didn't know that I was enrolled in. I reached out to Best Buy and they told me they were going to look into it and mail me a response of their findings and possibly a refund. I never received anything in the mail. I signed into my Best Buy Credit Card account to see if I can find anything regarding the " Debt Protection Fee ''. I found that they sent me two emails to this account but I never received a notification. In the first email of XX/XX/XXXX, they acknowledged that I inquired about the " Debt Protection Fee '' and that I wanted it cancelled. In the second email of XX/XX/XXXX, they informed me that the " Debt Protection '' was  cancelled and that the fees charged to me are " Valid and Non-Refundable ''. Also in this second Email it says that I " Purchased '' the " Debt Protection '' on XX/XX/XXXX. I didn't have any knowledge of purchasing or enrolling to " Debt Protection ''. No employee ever told me I purchased or enrolled in the " Debt Protection ''.  Unfortunately, I only have visibility to statements from XXXX and the yearly charges are ( XXXX - XXXX and XXXX - XXXX ) and I am unable to view any charges from XXXX and prior.
I paid off a Macy 's credit card in XXXX of 2014 and received a paid-in-full letter thereafter from Macy 's  attorney. It was a settlement that Macy 's agreed to and signed to in front of the judge when i fell on hard financial times. I have proof that I paid every red cent agreed to. Since then, 3 years later, Macy 's in conjunction with XXXX ( they merged ) have reported to all XXXX credit bureaus that I am late every month to this day. I am constantly disputing this fact with PROOF to the XXXX credit bureaus, Macy 's credit and XXXX, however I am told that internally, Macy 's and XXXX do not communicate with each other. When the credit bureaus try to question them, they claim I owe {$380.00} to this day. As a result, I have been denied credit, or charged on average, 4 % more interest rate to lease or purchase anything. I have written letters and made calls with escalations for 3 months now and Macy 's constantly denies THEIR OWN paid in full letter. I spoke to Macy 's attorney who claims, they must accept the proof I submitted to them. They do n't. Various people at XXXX as claim they had an internal problem with account numbers ; another told me the 2 company computers do not communicate ; yet another told me, this is happening frequently and yet another said, this amount of {$380.00} was supposed to be written off by Macy's/XXXX but was not ; an internal mistake that is costing me thousands and lots of heartache. Please help me!
I was issued a card from Capital One. I used the card ONE TIME for a {$40.00} purchase of gasoline. After that the card was put on a fraud block. I called four times to clear the erroneous block. Capital One would not even speak to me without my ( 1 ) providing copious amounts of written personal information including information about my brother who had nothing to do with my account ; or ( 2 ) going to a local bank and enlisting the help of someone there to prove my identity. All of this seemed like a phishing scam. Since I could not use the card, I paid the amount due and cancelled the account. ( I actually paid more than the {$40.00} that I charged for gasoline since my assistant included at least part of the annual fee in the check that was sent to Capital One. ) Since that time, I have received monthly bills for late fees, interest and an annual fee. I paid for what I bought, I own no late fees, interest and an annual fee ( since I cancelled the account within the time period allowed for cancellation without an annual fee ).
I had sent a XXXX electronic payment via XXXX XXXX using the US Bank Phone app to my significant other at her Credit Union on XX/XX/2018. 
After checking for the deposit over several days and it still not showing up XX/XX/XXXX I called US Bank to see why money had not been sent to the specified account even tho funds had been removed from my US Bank account on XX/XX/XXXX. 
US Bank said funds had been sent. 
After calling the credit union to check again funds show no history of transfer. 
Filed a claim with US Bank XX/XX/2018 Over the phone. On XX/XX/XXXX I received a document for signature ; on XX/XX/XXXX, I received a denial of claim from US Bank! After calling the bank and being transferred several times, I was instructed by a bank employee that I must sign the form prior to any investigation on my behalf and the missing {$200.00}.
This is a medical account to my  XXXX ,  XXXX   XXXX   XXXX ,  XXXX . The account was paid to his office at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , OK, on or about  XXXX   XXXX ,   XXXX  . This account was originally with  XXXX   XXXX   XXXX ,  XXXX , OK. The complete file, cancelled checks, and educational materials on correct claims filing were presented in person at their office downtown on  XXXX   XXXX   XXXX  At that time, it was agreed by all parties that this case in its entirety was closed and satisfied per contract on all parts. Now, this account keeps reappearing at various times on various credit reporting agencies both national and local. This is a gross violation of the Fair Credit Reporting Act and I have also advised these agencies repeatedly.     I expect justice to be carried out, I expect these to be removed from my credit report permanently, and I expect punishment to the full extent of the law to these agencies for repeatedly violating the Fair Credit Reporting Act and my personal rights. I also expect my credit reports to be completely and forever expunged of these items as they have been satisfied for more than three years.
I am XXXX years old and trying to modify my loan., Im on XXXX XXXX XXXX XXXX, XXXX XXXX surviver .. and Saterios loans is trying to trick me into a 40 year loan and says there is n other options., my house is worth XXXX XXXX 3 bd 2 bth in XXXX XXXX XXXX Ca I owe XXXX on the loan with 12 years left., Im having trouble makeing ends meet., = paying bills and Seteriors is trying to XXXX me with a bad loan offer..
I received a call at my place of work, XXXX, on XXXX XXXX, 2016 from Atlantic Credit & Finance. The number used was an inter-departmental phone number used for Emergency Services only. The number is not a published number and is only use by the XXXX personnel for Emergency Information only. This an unacceptable debt collection practice from this company.
Wells Fargo issued me a {$100.00} XXXX gift card about a year ago. Went to use the card recently and there was no balance on the card. I have called Wells Fargo multiple times to resolve this matter to no avail.
I applied for the XXXX XXXX American Express Business credit card. I verified with American Express prior to applying that I would be eligible for the welcome bonus and was told that I was eligible and to apply. After meeting the minimum spend I was denied the welcome bonus. They provided several generic reasons as to why someone would not be eligible. I did not fall under any of the exclusions and they could not provide me with a specific reason. It was reviewed with their " back end '' team twice and was told to check back in a few weeks each time. After being denied I requested to cancel the card and have the annual fee refunded since they did not provided the promised welcome bonus. They informed me I was past the time period to have the annual fee refunded after it was due them taking so long to be back to me each time. I had chat transcripts of every conversation about this issue.
Transunion is improperly and fraudulently verifying information with for an account that does not belong to me. It was opened in 2009 with XXXX XXXX and I have never even involved with the company. I contacted them and sent them my police report and identity theft report filed with the FTC. And they have closed that account and I can not understand why Transunion is still reporting it. I have included a copy of the letter. I will file another complaint with the FTC with Transunion and seek other legal measures if this is not removed from my account.
I applied for discover credit card on XX/XX/2018 and I was told that I need to send in some documents by fax which I did and it cost me XXXX out of my pocket and now they told me they needed more paperwork from me and its costing me more money and said that it was rejected by XXXX and I need to resend them again which I refused to do ... discover said it was the wrong date which is XXXX-2018 and each time I called discover about my account they refused to help me out with my account and I felt discrimated beacuse of my color cause I fax in my ID to them front and back showing my face ... and they kept telling me talk to next dept ( security ) and I dont like this company and I want to be treated fairly
I want XXXX  account and collection removed from my credit reports. Ordered products from XXXX all the way back in XX/XX/2013, never received my order as it was sent to an incorrect address I no longer lived at in a different state. I dont know how they got that address as that's not what I put. When I saw it was being shipped to incorrect address I contacted right away to inform to change address as it hadnt actually shipped yet. They refused to change to correct address. After they shipped, I contacted XXXX  and they said the shipper could change the address with them for delivery. They would not. Was delivered to my old address in different state. I even contacted apt office at that  address and they said my package was delivered there but they gave it back to XXXX  to return to sender since I didn't live there anymore. XXXX should have received package back but still kept my bill for order as is. They would not reship to me. Obviously I was not going to keep paying for an order and goods I never received. No one would help me with this and ended up getting bill sent to collections with collection account and closed/charged off XXXX account show on my credit report which is not fair again for goods I never even got. Collection company would not remove when I disputed. I have screenshots from XX/XX/2013 of all the emails I sent to XXXX  informing about the address and trying to get them to do something.
Since XXXX of XXXX I have been trying to get a claim the has been reported by NexisLexis on my XXXX   report corrected, It was a hit and run to MY car in a parking lot. I was not even there when it happened. They have it as a at fault collision. I have sent them copies of the letter from the insurance company that states I am not at fault 3 times and I have been told they changed it in my record, but still to this date it comes back as an at fault accident. This makes me have a much higher premium than if it was not on my record.
I recieved a letter from them today stating th at they are a debt collection agency and that i owe them over {$900.00} for ( what i assume from the name )  a cell phone. I have had the same cell phone company for about 20 years. I contacted cell company and double checked that i am current on my payments. Then i called the  XXXX  # provided by the company and got sent to  XXXX . The representative informed me that they were collecting a debt and that i need to send them the money. I told them that i am disputing this, that not only do i not recognize said charges but that i have had the same cell phone company for almost 20 years and owe them nothing. They proceeded to tell me that i owe the money and that i need to send them a check today or they would be calling the police to have me arrested and have all my assets taken. apoun further inspection of " said debt '' I proceeded to tell them ( per there own collection paperwork ) that it states that the " debt '' is too old for collections, they will not try to sue me and they will not report it to the credit agencies ... .they hung up. This was/is a scam trying to get money from me that i do not owe yet they still try to harass me on.
Two weeks ago I called regions bank about some disputes on my checking that I need to dispute, I had to call regions several different times, people failing to do their job, hung up, unprofessional, I had to call and talk to different departments and I had provided information about the disputes, nobody wanted or help and was lie to numerous of times when I called, I have been waiting 30 days so far, I called back in to get help nothing but the run around and excuses, Im fixing to close my account and go somewhere else I want my money back that belongs or me and Im tired of being treated badly by this bank, please resolve this matter
I had to take out a loan for a house repair and loan me.com was the only one willing to loan me XXXX dollars what I needed. Now come to find out its 135 % interest and by the end of the Loan term I will end up paying around XXXX dollars this is loan sharing and they take advantage of people like me.
Identity theft, withdraws from my personal XXXX XXXX Account, using my identity in another bank.
I was shocked when reviewing my credit report and found late payments on the dates below on all 4 of my loans with you : 90 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. Also, I called in XXXX and was told that my Student Loans were in Deferment for 6 more months.
We sent paper work three or for times, had four closing dates the last one was not canceled til XXXX XXXX when closing was set to happen at XXXX XXXX paper work was not right and the seem to come up with a closing cost that should have been our sellers assist plus the sellers took money of for repairs and some how our closing cost was almost {$7000.00} more then were told or expected which put off us doing some really needed repairs. It took a extra month to close and almost lost the house cause the sellers almost pulled out. It really cause my wife and myself some real stressful moments.
On XXXX/XXXX/15, I contacted ARS ( Ability Recovery Services ) and spoke with a XXXX XXXX to discuss a settlement request for less than the balance owed. At that time I was informed that my balance could be reduced by {$340.00} and I declined and informed her that I could not pay that amount but could pay {$1000.00} as my offer was also declined. I further informed her that I would be making several payments towards the {$1000.00} and we discontinued the call. XXXX XXXX, 2015, I received a voice mail message from XXXX XXXX asking for a return call. I called and spoke with another representative explaining my situation and he asked me did XXXX ask me/offer monthly payment arrangements and I told him no and he then transferred me to her. I asked the reason for her call BECAUSE I NEVER GAVE HER PERMISSION TO CALL ME and she stated that she wanted to verify if I was still going to make a payment. I informed her that I did not give her permission to call me and reiterated our last conversation and she then began to display her ignorance by raising her voice and being sarcastic, accusing me of not wanting to make a payment, and I became upset and also displayed my ignorance. She hung up the phone and I called back to speak with a supervisor and they transferred me back to her and the argument started again. 

If I never had any intentions on paying my debt ; why would I contact them? I refuse to be bullied by a debt collector or anyone else for that matter and the lack of respect, professionalism, and harassment is unacceptable. I never made an agreement to pay a certain amount or within a certain timeframe and I specifically informed them not to contact me by phone.