WillisBack/dataset-financial-user-claim huggingface dataset:
I am being sued by one main financial for a title loan that i defaulted on. I have been involved in 2 car acciddnts pastb2 yrs and there for i have had financial hardships. I tried to work with them to lower payments but my medical bills have grown to where i cant afford to pay all my bills let alone XXXX to XXXX a month on a vehicle that i no longer have or is working. They have harrassed me by calling my job when i was still working. It got to the point that i was talked to by my boss about recieving personal calls 3 times a day. I went to court and then tried to contact one main financial to try and solve the issue. The lawyer i n charge of the case wouldnt even talk to me or my brother who is now in charge of my financials because i dont have the XXXX XXXX to handle all the debt that is building up due to my accidents and medical bills. 
They have been incredibly rude and not willing to work with me at all.
To whom it may concern, This complaint is in regards to my Capital One credit card. On or about XXXX/XXXX I made a purchase using my credit card ; on or about XXXX/XXXX I reviewed my statement and noticed an Unauthrorized charge so I in formed my credit card company and initiated a dispute. 

Three or four days later my wife reminded me of the purchase I made that I filed a dispute for, I tried to contact my credit card company to redact or withdraw my initial dispute. The agent on the phone had informed me that once I file a chargeback I 'm no longer to retract my claim. 

Is this accurate? If I file a dispute on a transaction do I no longer have any rights to withdraw? Do I give away my rights to accept financial responsibility? Did my mistake cause a merchant to lose out on the original purchase amount and the service they provided? I 've tried to contact the merchant and they are no longer in business due to " chargebacks ''. I feel somewhat responsible because my chargeback claim contributed to the insolvency of the entity ; which offered a wonderful service. 

It leaves me to wonder how many other people 's mistakenly filed chargeback cost an honest business to be shut down. Is there any information on how to cancel the dispute you 've filed with your bank or credit card company? Am I wrong to believe that I can accept my mistake so as not to bear financial costs to others? Please help find information or resource links available that allows me to accept a dispute claim I 've filed or withdraw my dispute.
I had an American express gold card ending in XXXX as was told to me. However, I filed for ch XXXX in 2011 as my card was cancelled. Lately I have been trying to anew my credit but was advised by amex gold card  that I have a XXXX balance and that I have 2 more authorized users who's balances are line in the XXXX. First of all I am in Mississippi and I would doubt that I would have accrued XXXX in debt and to add 2 XXXX  names to my card is absurd. I request for this issue to be resolved and for my name to be taken off the amex black list.
Dear CFPB, I wrote to you a few months ago about XXXX XXXX  who has been pestering me with pre-approved offers on credit cards for many months now - they are FILLING up my mail box with their half-scam product offers, and I called them so many times and they said they removed me from the list, but it just continued. I travel a lot, so often when I return home the mail box is so full of their envelopes that my actual mail and bills doesn't fit in the mail box anymore and is scattered underneath it. 

I have now received a letter from XXXX XXXX saying they have removed my name from the list ( but there were also two new ( undated ) promotional envelopes in the mail box, so I'm not sure I trust this ). 

However, the reason I'm contacting you now is that on top of my incredible frustrating experience with XXXX XXXX today my mailbox was filled to the brim with TEN envelopes offering me pre approved credit cards, not only from XXXX XXXX, but two NEW companies have started pestering me now too : XXXX XXXX and Citibank. I have called both to complain and have my name removed and while Citibank have now held me at a hold for 36 minutes ( still counting ), XXXX was somewhat helpful and informed me that they have gotten my information ( because I have never had anything to do with either one of these three banks, so it is even more insulting that they are spamming me to this degree! ) from one of the three credit bureaus ( XXXX   XXXX and/or XXXX ). They couldn't tell me which one specifically. 

Is there a way that you can PLEASE help me STOP these credit bureaus from sharing ( or selling? ) my personal information to all these credit card companies? I really feel so pestered and tired by this. Often their envelopes come with big red writing " URGENT RESPONSE NEEDED '' etc, and it's so uncomfortable. And most importantly it drowns my normal mail and packs up my mail box. I don't want these credit card offers in my mail box!
Avantes USA opened a claim on my credit report on XX/XX/XXXX ; whereas the original debt was XX/XX/XXXX. Per law you can not open a new claim on my credit report for an old debt as if it was new. 
XXXX XXXX did not notify me within 141 to 181 days from the first time I defaulted on my so call payment for which I never received a letter for nor my right to dispute the debt. Further by opening this new claim on my report Avantes USA acts as if this debt was contracted XX/XX/XXXX, thereby inaccurately reporting the " original time the debt was actually defaulted on ''. Keep in mind XXXX XXXX waited 6 years to turn my account to collection and did not report anything on my credit for that 6 years as well.
I have received a response from XXXX XXXX on behalf of Selene Finance dated XXXX XXXX, XXXX stating that they are not able to respond to the complaint with furthermore reference of, yet another company, XXXX, who initiated collections on the account. 

Upon communications and multiple open complaints lodged against XXXX XXXX XXXX, XXXX has failed to provide a subsequent response as of XXXX XXXX, XXXX. 

Furthermore, XXXX XXXX XXXX XXXX has stated that they required an extension of 60 days to respond. The extension has expired. XXXX failed to respond as of XXXX XXXX, XXXX despite of the fact that the necessary documentation was submitted. 

If Selene Finance has become an official representation of XXXX XXXX  XXXX, they have to reference any and all open complaints and documentation and provide an immediate response. 

Additionally, Selene Finance is to specify their relationship and affiliation to XXXX XXXX XXXX as to which they referenced in their response Paragraph 3 line 2.
I received a special invitation to apply for a platinum card ( American Express ) and applied online. I have a freeze on my credit and had to call to complete my application and spoke to a supervisor and he assured me that I would receive the miles promised in the invitation.The terms were for {$450.00} a year and I would get XXXX miles after spending a certain amount. After I reached that amt. I chatted online with a rep to see why my miles were not posted. She told me I had a card previously and would not get the miles. I am extremely upset by this {$450.00} is a lot of money to me and I would not have applied if not told in my invitation and by phone by a rep when completing my application that I would indeed receive the miles. American express has the records of my credit with them and should not have mailed a special invitation inviting me to apply if I had already had a card several years ago. I understand that all calls are recorded and they can certainly find out that the supervisor did assure me by phone I would receive the miles.
Experian has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. XXXX has a 30 day late in XXXX that should have been removed by now. XXXX, XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? XXXX shows a late date in XXXX that should have been removed by now. XXXX, XXXX, and XXXX have refused all of my requests for validation and I feel that at this point it should be assumed that they have no proof because it has been so long.
I have contacted  Jcpenny  's bank to make them aware, I was not receiving monthly statements. I would receive random emails about payments due. The emails request for payments, which were exceptionally inflated. I ask to be removed from the online billing. So, I can receive my bills in the mail. This was never done. As, a result I do n't get monthly bills and my account is being reported delinquent on my credit. I have been assessed late fees because of the banks error. This has been happening for  awhile.I  requested for the correction but no resolution has been provided.
On XX/XX/XXXX, I sent a letter to XXXX ( XXXX XXXX XXXX XXXX ) in regards to providing me with information to validate the said account which is reporting on my credit report as {$8000.00}. The problem is the letter that was sent back to me in response to my letter stated I owed {$7100.00} and also shows a different account # than what is reporting on my credit report. The letter from XXXX also states that they verified the charges with their client and based on their research it is correct. How can it be correct when there is a {$940.00} discrepancy among the reporting on the credit report and the letter I received. An itemized statement was also sent stating that my move out date was XX/XX/13 when I moved out in XX/XX/2013 with a 60 day notice. Then on the itemized statement it states {$2200.00} for pre-termination charges but the charges are on there twice. From my understanding anything that is reported on my credit report needs to be accurate and varifiable and right now this account is not accurate nor verifiable.
I disputed the bankruptcy on my Equifax credit report and Equifax claimed they verified the information through XXXX but they could not have due to a freeze on my XXXX account.
I have an account with PayPal and on XX/XX/2018 my account was unlawfully and suddenly frozen after a phone call. I called PayPal on XX/XX/XXXX to ask why are they allowing a client to open up a dispute with false information over six times after PayPal had already ruled in my favor over six times and released the dispute holds. After this phone call one minute later they unlawfully froze my PayPal account. PayPal know that I am traveling because at every port I enter I call them to inform them of the country Im entering. PayPal has left me and XXXX babies which are XXXX, XXXX, and XXXX years old in an emergency situation we are on a 30 day tourist visa in a foreign country with no way to buy food to eat or get back home. The funds PayPal is holding is my only means to support my family and get back home its the only account I have with money in it. I have reached out to PayPal and they have not displayed or expressed any recompense or empathy to my circumstances. I do plan to do a press release to gain maximum attention and exposure for my situation as this has been a night mare. PayPal is causing me and kids to violate the rules in the country we are now in because we have no way out or no way to buy food. My kids are crying all day and so am I because for 8 years Ive been with PayPal and have never done anything fraudulent or wrong. I really really need help so bad because again me and my babies are stranded and I dont know much else to do but expose PayPal everywhere I can and definitely seek legal counsel If this matter is not resolved. I requested that PayPal hold only a {$1000.00} of my funds on hold instead of all my funds to credit against future disputes because my dispute winning rate with PayPal is over 98 % and this year alone it was at its lowest. Please help me with this I am desperate to feed my babies and not violate my 30 day tourist visa.
Chase promised us outstanding customer service and XXXX loan issues as Private Clients. We went through the application process and had everything set for closing. Our loan officer was a nice guy who tried his best to help us but our closing was awful. It was a 7.5 hr closing with our final CD only issued about 2-3 hours into closing instead of 3 business days before. We ended up wiring a substantial amount of money to an escrow account prior to closing based on the verbal instructions from our loan officer. We were not provided with the final CD as required by Fed law. The sellers attorney left after a few hours for another closing. Chase XXXX up the titling on our mortgage which affected our deed. Chase had our closing date wrong which would have meant a dry close on Monday instead of Friday. The title company officially closed at XXXX. The closer stayed until XXXX to try to get the loan done. Chase 's closer and loan department stopped picking up our calls or responding to emails and voicemails. Our IL closing was handled in XXXX. We ended up having to reschedule our move, we had to hire a dog walker since we couldnt leave the title company. We ended up having to take the entire day off work instead of the 2 hours allocated for the close. Chase didnt bother to send a representative to the closing. We ended up dialing everyone we could think of at Chase. I had a Chase branch manager try to get hold of someone to help us figure out how to get the correct info submitted. We had to sign the mortgage docs without very much time to review because of the time deadline and the pressure from the title company closing. The sellers were irate. We submitted a formal complaint the Monday after closing and didnt hear back from the Customer resolutions team until today. She hadnt bothered to review the file. I submitted phone records, copies of emails and a narrative statement to our branch manager who forwarded it to the loan officer and his superior. I would be happy to share those with your department. I could not paste that here due to the character limit.
I had a credit card stolen and used to make a purchase at XXXX XXXX XXXX and several other locations. I immediately contacted my credit card company and reported it stolen - they cancelled the account and opened a new one, however, XXXX of the charges made by the person who stole my card was this XXXX XXXX XXXX charge. Apparently, XXXX disputed it and they allowed it to be re-billed to MY NEW ACCOUNT. 

They sent a letter asking me to sign and return via fax the them and I did, within the 10 day period - that charge is still being charged on my account.
Hello. 
On XX/XX/2017, I did Global Transfer at citibank from the U.S. to the XXXX XXXX and I closed my account. Transfer amount was USD XXXX. 
However, it did n't work and monthly service fee keeps being charged. 
I tried to contact with citibank, but they did n't respond phone call. Because I am outside of the U.S., the phone call is only way to contact with citibank. 
I do n't understand why the global transfer did n't work and monthly fee was charged even if I got receipt. 
Thank you.
I had my paycheck direct deposited into US Bank, they garnished 100 % of my paycheck and took a {$100.00} fee. How can they garnish 100 % of my earnings? In Washington State, the law says they can only garnish 25 % of your disposable income. I 'm going to have to sue them if I cant get this resolved, I mean i cant even buy gas to get to work, and I 'll probably lose my job. I literally have {$0.00} in my account at this moment
I had my Home Depot credit card stolen ( 2007 ) and used by someone else. I had all the police reports to indicate this. Home Depot refused to see the issue and said it was my fault the card was stolen. So, they kept me liable for the charges. I disputed every call I got. XXXX days ago, I got a call from my daughter-in-law, who is an XXXX of the court that she received a very harassing phone call to have her give them my number. She refused but took down the information so I could call and find out what this was all about. The man I spoke to was threatening to take me to court if I did n't pay the outstanding balance owed even though it was fraud. He did not give me a chance to speak to my lawyer, altho he knew I had a lawyer involved in the case and should have called him instead of me. I was never given a chance to show my documentation and was told I had to pay right away or go to court. He had me sobbing and scared. He said just take care of this and it will all go away. I called the company he represents, XXXX XXXX XXXX. He represented himself as a lawyer which i later found out he was n't. When I spoke with his office manager to request a copy of our recorded message ( he told me it was being recorded ) she, XXXX, told me there was no recording of the call. I called XXXX again today to ask her to send me the file they have on my case and she said she would have to check with her manager to see if they can send me the file. So, after being harrassed, my daughter-in-law being harassed, they have no intention of sharing with me the proof that I owe the money. XXXX XXXX was called in to a meeting yesterday ( per XXXX ) to discuss how he handled the case, and subsequently resigned. So I am now hold XXXX XXXX XXXX liable for unfair practices. 

1. my daughter in law was contacted at her place of work2. He represented himself as a lawyer. 
3. He threatened legal action against me. 
4. He was aware that I had a lawyer and contacted me anyway. 
5. He did not provide me with verification of debt. 
6. He did not notify me of my right to dispute the debt, except to say if I disputed it I would be taken to court.
Portfolio Recovery Assoc has been pulling my credit report every month. I do not have an account with them. I have never given them access to any of my personal information and they will not stop calling my phone and making threatening phone calls. THey are even running my credit twice in the same month.
My mortgage was transferred to Caliber Home Loans. I have everything set up for auto-pay, so I had no complaints for years. 

I sentan extra principal with my normal payment with a payment stub in XX/XX/2018. The stub indiciated that {$10000.00} was for pricinpal, and {$1300.00} was for the regular monthly payment. The lender applied the entire amount to principal on XX/XX/2018. I received a letter XXXX week saying that I did not send my monthly payment in. 

I called the lender the week I received the letter to inquire about the issue. The representative explained that they did not receive a payment stub and that the payment was applied to principal. I do not send checks by themselves in envelopes. I asked the representative to resolve the issue by applying XXXX to principal and XXXX to the regular payment on the original date. The representative put in a request to fix the issue. 

I checked the mortgage account on XX/XX/18 and noticed adjustments were made on XX/XX/18 and not backdated ( XX/XX/2018 ). Instead of resolving the issue, they took the same amount ( XXXX + XXXX ) plus the next monthly payment ( XXXX ) and applied it all to principal. So they made the situation worse. My account is now 2 months behind on payments even though they received addiitonal money. I called customer service and the representative has put in a second request to try to resolve the issue. I was told the turnaround is XX/XX/18 and it is possible the information will be reported to the credit agencies before they can resolve it. In addition, they applied a {$15.00} charge to my account on XX/XX/18 for no reason ( which was later reversed, but they did not communicate any information about this mysterious mistake charge ). 

I pay my mortgage on time and have never been late. This lender 's mistakes are at risk of damaging my credit.
On XX/XX/XXXX I attempted to use my bank cardd and my card was declined. I had them to swipe the card again and it was declined again. I knew that I had money in this account because over the weekend I had to send money to myself from this account because I did not have my bank card. The bank failed to send my bank cards to me and they never verified my account until I end up calling them and they stated that they had dropped the ball that was on last Wednesday XX/XX/XXXX. 
So when I called on Monday XX/XX/XXXX I was then told that they took the money out of my accounts for an old debt old on a previous account. When I asked where was my notification that the money would come out of this account I was told that I got the disclosure for deposits. I informed her that the disclosure for deposits is not the same thing as a notice letting me know on the day that they plan to take the money on or around a particular date. I then asked why did I receive a check over the summer for money owed to me from the bank if I owed the bank? She then responded with well are n't you on this account? As if she was not able to provide me with the information that I was questioning. I stated that if I owed the bank there would be no need for them to have sent me a check for a {$150.00}. Even honor that check because I cashed it, in XX/XX/XXXX. And not only that, I had to contact the bank to verify my address and make sure that the Email that I had received from the bank was valid. So I did all these things without someone saying you still owe this money. Not only that but then I was allowed to open up two new accounts and put money into those accounts not knowing that I still owed for this old account. 
This is an act of bad faith. How do you allow someone to open up accounts, not notify them that they have an old account with a balance, and not notify them that you plan to take the money out? Last week XX/XX/XXXX when on the phone with a senior representative I was asking questions about why my account was never verified? Why no one never called me to tell me that the account was never verified? And why I ended up calling in to find this information out? Not only that but I never received cards for those accounts at that time. And then when I called in on last week I was told that I never ordered debit cards to go with these accounts. Which was an accurate because I actually did it on line. I feel as though USAA likes to just take money because they are a bank and they can do so. Because I had the same problem over 2 years ago and that is the reason why I stopped doing business with USAA. Because they took money out of my XXXX XXXX XXXX account without my permission and then I had to call in and request for them to pull the call from the representative that I have spoken to inform them not to take the money out of my XXXX XXXX XXXX account and I would make my own payments. This is bad business and this should not be happening. And I know I 'm not the only person that this is happening to.