WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I booked a car rental through Chase Sapphire Ultimate Rewards program. In this transaction I booked a car rental through XXXX  for which XXXX points were redeemed. I received an email confirmation stating that the booking had taken place, and that {$0.00} would be charged to my card. I can provide the email as needed. 

On XX/XX/XXXX Chase charged for this transaction vs applying more rewards. 

Shortly there after I called chase to notify them the charge was incorrect being as the transaction was completed using miles, at which point I provided Chase with a copy of the email, the date, the confirmation date etc. 

After several months I received notification from Chase that they could determine the charge was incorrect and that XXXX had provided them with confirmation. At no point did they actually look at their own internal records to see that reward points were used, instead the moved the situation along under the premise that I was disputing the charge from XXXX rather than I was disputing that Chase had not applied the reward points. 

I filed a complaint with the better business bureau on XX/XX/18 which was forwarded on to Chase. Yesterday XX/XX/XXXX I received an email from Chase stating they looked into the matter and came to the same result stating XXXX had shown proof of the charge vs. applying the reward points. 

XXXX I contacted the Chase rep to notify them of my frustration, and let them know I would be submitting to CFPB, and would also be seeking legal council.
XXXXXXXX on XXXX/XXXX/2017 obtained a copy of my credit report without my consent
On  XX/XX/XXXX , I contacted the  XXXX  credit reporting agencies, Equifax,  XXXX , and  XXXX  to ask to remove only the dispute for   XXXX    acct per my lender request. Equifax is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by Equifax. The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once Equifax did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.
It 's concerning inquires on my credit report for the past six months, that I have not had involvement with. I have noticed that my report shows 13 hard inquires to include my credit dropping really low in the past month. I have n't been asking for credit because I knew that I did n't have any, due to short sale of my home in XXXX. I have paid off all of my collections since then and they are still showing on my report as well.
( The following is my written complaint to Honda Financial Services ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX  Complaint Department Honda Financial Services XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam, I am writing to dispute the following information in my file. Your agency claimed that I missed a payment this spring, I made up the payment the very next month paying {$500.00} dollars and the subsequent month paying XXXX. Adding both months together this comes out to XXXX and surpases the XXXX payment missed the month prior. You have overcharged me XXXX. Your agency also turned me into the Credit Bureau and lowered my credit score. 

My next dispute, I cancelled my XXXX XXXX and I was told only XXXX was be returned. Neither was it applied to the month of XX/XX/XXXX where is should have for XXXX but neither was it returned to me. However, instead when I called your agency I was told it was kept as a security deposit. I asked why two years into my lease was I now being charged with a security deposit? After waiting 15 minutes, the representative told me it was in case damages where found on the car when it is returned. 

I said I would buy the car, then the representative said I wouldnt qualify to refinance the car. At the time, I didnt know why. I went to the Honda dealership and my payoff had increased from XXXX to {$17000.00}. If I made all my payments and promptly made-up the missed payment how does the car payoff go up? 

Needless to say, I was upset. The Honda salesperson followed me out and told me they were sorry and that Honda Financial Services turned me into the credit bureau, they felt that I deserved to know why my credit rating had dropped! 

( Image of the transaction history ) My payments are up to date. Ive always had good intentions towards my payments, one time  making a XXXX payment paying off 6 months. Below is a screenshot of the transaction history for the month, after I missed the payment it supports that I rectified the situation immediately. Please investigate this matter and delete the claim to the credit bureau as soon as possible. 

Regards, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- End of Letter to Honda Financial Services -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dates : provided on attached documents Honda Financial Services is NOT allowing me to log on or I'd provide the most recent itemized list of the last 6 months so that it can be documents the fee 's went up for {$7.00} to {$12.00}, I assume for handling my account? There are no specifics provided.
I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX   about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.
I have made several calls to CIT. this is not my account. they confirmed this is not my account, but it is showing up on my credit report. The bank is not wiling to confirm an account they do not have, and the credit bureau is not able to update without a confirmation of the account. it is a silly game back and forth on an account that I never opened. Please help me get someone to fix this injustice. 

Thank you XXXX XXXX XXXX
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.
I work as a   XXXX   XXXX   XXXX   at a   XXXX  (  XXXX  ) (  XXXX  )    XXXX   XXXX   XXXX   XXXX   XXXX  . We are funded in part by  XXXX   XXXX   XXXX . In  XXXX  I submitted certification to participate in  Public Interest Loan Forgiveness  and my employer,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and m y employment was certified on   XXXX   and   XX/XX/XXXX   respectively. My employment was certified and I was given credit for 8 qualifying payments made between my start date at my job   XX/XX/XXXX  and m y certification end date of   XX/XX/XXXX  .     Absolutely no information has changed. My employer is a  XXXX  (  XXXX  ) (  XXXX  ) organization and clearly qualifies for PSLF for its employees.     On   XX/XX/XXXX   I submitted an employer certification to track my progress and on   XX/XX/XXXX   I received an electronic noitce with a letter titled " WE COULD NOT ACCEPT YOUR PUBLIC SERVICE EMPLOYMENT CERTIFICATION '' The letter then states they have " determined that you  may  not participate in employment and payment tracking for PSLF or that we need additional information to complete our review '' It then tells me my certification is under review, but does not give any reason why my certification was rejected and does not ask me to submit additional information. It gives me no options to address this absolutely bogus response to my legitimate employment certification.
XX/XX/XXXX at XXXX XXXX  I received A XXXX  Alert notification report that Experian has lowered my credit score 20 points from XXXX  to XXXX   because my XXXX XXXX account has decreased by {$21.00} dollars. How is this possible that if i am paying on time and my credit line utilizaton is near zero  can lower my scores. I have been keeping a close eye on my credit report since XX/XX/XXXX. I have NOT been late on any payments or missed any payments. This needs to be correcte. I would like to know why my credit report fle has been a target of strange and wrong information right after I place a complaint to CFPB and to the NJ State Attorney General. Is this Retaliation and thus punishing my credit file?

I am submitting a copy of XXXX Alert so you can see. I am requesting an explanation of how you determine this decrease on my file. This is not the first time. S far this year XX/XX/XXXX I have disputed and complained to CFPB of this abusive wrong practices by Experian.
I 'm bothered by the fact that Experian sent me an updated letter stating you had verified this inaccurate repossession account. What happened to the new and relevant information I sent to your company, which proved this account is inaccurate? Did you pass this information on to the furnisher during your investigation? I 'm starting get upset and frustrated at the way your company is handling my complaint. I did what you said but you sent me another letter stating that it was verified. I 'm starting to feel really stressed. 

I really do n't want to file complaints but it seems that I do n't have a choice at this point. 

I believe you use a system called XXXX to handle investigations. Please do not rely on this system because it 's not 100 % accurate. I see that there is a lot of data on the net about this XXXX system. We are real people and not just numbers, ok. I have feelings too, and this affects I ca n't get approved for a home. 

From my research on the FTC web site, you ca n't parrot information from the creditor and collection agencies. You must perform a true investigation. The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA. Please do a new investigation on the following repossession account. 



If you choose not to act, I will have no choice but to file more complaints and seek legal advice from an FCRA attorney.
I received a notice from an Attorney advising that a property in XXXX, Ma known as XXXX XXXX XXXX was up for a forclosure sale on XX/XX/XXXX I called the Attorney 's office { Harmon Law Offices, XXXX XXXX XXXX, XXXX, Ma XXXX } to inform them that I was not the owner of this property. I do not now, nor have I ever owned real estate anywhere is the USA! The proper owner of this property has the same name as me. I spoke to a woman named XXXX at the office, and she stated that the problem would be corrected, and I would receive no further contact. Yesterday, I again received a notice about this same property from the same Attorney stating that the sale of this property was postponed until XX/XX/XXXX, at XXXX. It also stated that this notice was an attempt to collect a debt, and that any information obtained would be used for that purpose. My wife and I are elderly, XXXX and living solely on Social Security, and do not want to be held responsible for a debt that does not belong to us! We struggle to get by as it is, and have our own housing issues, as we are in danger of losing our apt . due to the owners selling the house. This has just added to the stress we are already under, and we want this cleared up as soon as possible, so we can focus on what we need to do. Thank You for your time, and I truly hope you can help us resolve this problem.
On XX/XX/2016 a timeshare was purchased from XXXX XXXX , XXXX based on false information that was provided during a verbal timeshare presentation. However, the written contract documents do not match the verbal statements that were made. I agreed to the purchase and I provided them the credit card to make the down payment and also to draft the monthly payments. I did authorize these charges, based on their verbal presentation of what I was purchasing. However, the contract documents do not match what they told me verbally and as soon as I became aware the that the terms and conditions for the usage were completely different that what I was advised, I immediately sent a letter of cancellation on XX/XX/2016. They advised my request, stating I had signed a legally binding contract and continued to charge my card. I began disputing the charges to my account and have lost a total of {$3200.00} to this timeshare scam. I can not use the product that they sold me, they have provided no services to me and wo n't let me cancel the contract and refuse to return my money. I was forced to hire an attorney and am still trying to get my money back from XXXX via my credit card provider, Citi Cards. Please be advised there is a language barrier as English is not my primary language and no one would assist me in understanding the documents and rushed me through the closing process.
SCA Collections placed a collection back on my report on or around XXXX of this year.They originally placed it on my report on XXXX 2013. I requested validation in 2013 and they never provided it to the CRAs so it was removed. They have since reinsurted it back on my report. I requested validation through the cra again and all the did was verify it but still wont show me proof the debt is mine and that they have the right to collect on it under my rights according to the fcra. They are also reporting this debt as a factoring account with payment history which they are not. I also filed a XXXX complaint trying to get this resolved and there response was we sent him a intemized bill. This is rediculous that a collection company can place a collection on someones report, get it removed by the cra and then reinsert it again all without showing proof that the debt is that persons and then on top of that, report inaccurate data and inaccurrate reporting.
filed dispute notifying Transunion that payment with XXXX XXXX XXXX XXXX has never been paid late. also advised them that information was previously corrected and updated to show no late payment ; faxed documentation to Transunion to as proof that payments were not late ; Transunion in turn responded that information was updated, but late payments remain ; I 've called Transunion repeatedly only to be hung up on
I have had a mortgage with Stern 's Lending since XXXX/XXXX/XXXX. The city of XXXX XXXX taxes were assessed at {$1400.00} for the first year until my residency was established. In XXXX XXXX the residential abatement for the city of XXXX took effect reducing my tax liability drastically to {$160.00} per year. In XXXX I contacted My XXXX XXXX, the company that services the mortgages for Sterns ' Lending, notifying them about the change. I relayed the information from the XXXX assessors ' office that the mortgage company must apply to the city of XXXX for the over payment they made on my account. They asked for a new tax bill issued from the city of XXXX. I sent them a print screen from the assessors ' website. They said they needed the actual bill so I had to wait until I received the bill in XXXX XXXX, I immediately sent it to them. They finally refunded the excess escrow amount of {$1500.00} with a check issued on XXXX/XXXX/XXXX. That was a long time to wait for them to return my money. 

Today I received notice from Sterns ' Lending of a new escrow amount of {$64.00} per month. Their letter states the tax liability is {$760.00} per year for my account. The city of XXXX assessors ' website says XXXX Preliminary ( Estimated ) Total Tax Due-First Hal ( XXXX XXXX ) : {$80.00} meaning my total tax bill will be XXXX for the year XXXX. City taxes are the only payment from the escrow account. 
Today I called XXXX XXXX XXXX to inquire about the escrow account. They would only state the tax liability is {$760.00} for my account. I have no idea where this amount came from and the customer service person would only repeat that number. I would like a written explanation from them with a source document legitimizing the amount. I do not want to over pay my account and possibly wait another several months for the escrow to be reviewed.
I did not see the terms of the loan until I had completed the process and was in the process of signing. I will be charged 900 % in interest for an {$800.00} loan. If I make all of the payments, I will end up paying over {$6000.00}.
XXXX XXXX showing bill owing of {$71.00} This all started when we RETURNED our Equipment in XXXX, Calif. to the XXXX XXXX.
My original complaint # XXXX was sent to you on XXXX/XXXX/16. Thank you for your response today. A lot has happened since then. They have all monies from me owed to them by the date they wanted it. They had my money since XXXX/XXXX/2016. My 1st complaint to you was XXXX/XXXX/2016. They will not apply my money sent to them. It is now XXXX/XXXX/2016. Foreclosure has not been started yet. Since they received my money on time they can not by law do anything but accept my money because Illinois is a judicial state. There are recorded phone calls from customer reps and managers that told me they have the money and on time. The are giving me the run-a-round and not applying the certified checks they received. Every time I call I get a different customer rep with a diferent response. They even hang up on me. I checked with my county courthouse and no papers have been filed with them. I checked all local newspapers in my area and no legal notices have been posted yet. These are legal procedures that mortgage companies or collection agencies have to do if the property is located in the state of Illinois. There are over XXXX bad reviews on the internet for Ditech /Greentree using predatory lending and collection procedures. They need to be stopped. They need to be forced to apply my checks and make my account current.
I opened an auto loan on XX/XX/XXXX with XXXX bank for a XXXX XXXX XXXX XXXX The car was repossessed in earlyXX/XX/XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with XXXX, XXXX, and Experian. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my XXXX and Experian FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and XXXX, I 've been told that this negative information will show until XX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.
I was contacted by Hunter Wakefield on or about XX/XX/XXXX for a debt in the amount of {$1600.00}. I investigated the company via Better Business Bureau of XXXX, FL and discovered that this firm had over 300+ complaints. After many hang-up calls, the firm finally left a message. I called back and thought we were making progress in negotiating a settlement. I spoke to XXXX XXXX on or about XX/XX/XXXX and made my final offer to settle. Unfortunately, he became angry and belligerent and hung up on me. See Attached documentation.
I continue to receive hang-up calls from a phone number related to Hunter-Wakefield. I 've sent a certified letter requesting the calls to stop. See attached documentation. <P/>Can you help? <P/>XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX 2017, i sold XXXX LTC which at the time was worth {$150.00}. As of now it has been 3 weeks since i sold the virtual currency and i still have n't received any form of payment.
Barclay Cards is not posting payments made by XXXX XXXX XXXX XXXX and the correct interest rate of 5.9 % and need to adjust the payments of {$98.00} on XX/XX/XXXX {$74.00} on XX/XX/XXXX and {$140.00} on XX/XX/XXXX
I sent a letter asking them not to call my home phone. This letter was enclosed with a check ... which has been cashed. Then when they called my home saying they had not received the check ( which by this time had cleared my bank, ) I told them again not to call my home phone. They called my home phone again. I have also requested ( in XXXX separate letters and each time there is a phone call, ) for them to send me the original paperwork and an amortization schedule and a total still due. This has still not been provided.
I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX XX/XX/2018 saying I owe them {$77.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like thi off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
On XX/XX/2018 I scheduled an online payment for XX/XX/2018 using Capital One 's online payment website. I received an email on XX/XX/2018 that my payment of {$7000.00} had posted. My XX/XX/XXXX and XX/XX/XXXX statements showed the payment applied to my account. 

On XX/XX/XXXX Capital One reapplied the {$7000.00} charges back onto my account with no notification. I found the problem and called Capital One several times in order to get an explanation and to seek a solution. Each time I called I was given a different reason for the charges. Twice we connected with my checking account bank to verify that I did not have the money returned. 

My XX/XX/XXXX statement includes interest in excess of {$200.00} but I never carry a balance so as to avoid interest charges. 

My checking account bank has provided me with a letter with the transaction ID of the payment and I have provided that information to Capital One as well as copies of the emails and payment history taken from Capital One 's website showing payment and confirmation number. 

On XX/XX/2018 I requested that Capital One investigate the error and I was told that they had 10 business days to reply and that the replay would be in the form of a letter.On XX/XX/2018 I called XXXX XXXX for an update and I was told that they hadn't started working on the issue and they would need an additional 10 business  days. 

Capital One 's inaction has resulted in a 59 point decrease in my credit score which before this issue was XXXX.