WillisBack/dataset-financial-user-claim huggingface dataset:
I was on a princess cruise in our room was a credit card brochure advertising 12 months interest free credit for onboard purchase and future cruise deposit. We applied onboard with cruise specialist who talked us into a future cruise deposit took our deposit and application. When we got home we started getting interest charges from the Barclay card who said the promotion was no longer valid when we opened the account even although it was sold to us under the understanding that the brochure was valid. XXXX says they will inform their staff that it is no longer valid. Barclaycard says too bad. Talk to XXXX
I have been in a foreclosure case since 2012. I have taken the case to the federal level to get JP Morgan Case and XXXX, a XXXX company to prove they have claims on my property. I have been a XXXX for four years and have gone through more than 2 years XXXX for it. This case is highly fraudulent, involves robo-signers, transferring of accounts while the Debtor, me, was in bankruptcy, XXXX assignments, XXXX mortgage assignment after they closed, etc. I have sent a copy of my Motion to the Whistleblower site, and would love to attach it to this complaint form, too. NEVER at any time has a loan modification been offered. JP Morgan is trying to foreclose on my home to which they neither obtain a mortgage or lien on. XXXX has told me several times my loan is paid and the balance is XXXX. I used my right to redemption and made a payment that is being denied. Fraud is being perpetrated upon the Court and I am tired of the run around in this case. XXXX became my service provider without any form of notification. JP Morgan never told me they were transferring the account. I found all of this out by looking at my own XXXX XXXX in the XXXX Courthouse. I also know that when a loan goes into default, the PMI will cover the loan to the Lender. The original lender to this mortgage was XXXX, and then XXXX became involved. It was not my understanding that XXXX would be involved with the mortgage of this home. There are so many issues in this that it is incredulous to me that this case has not been thrown out and discharged. Actually, my home was discharged in 2012 in a bankruptcy case when I had to foreclose after I discovered my own spouse was gambling and using funds for his own pleasure. I was married 20 years and my husband and I were filed for divorce not long after I found out I had a XXXX. I have been put on Social Security XXXX due to the change in my own XXXX and am unable to continue in my profession XXXX. 
Please contact me about this case!
I have disputed this account numerous times be the debt does not belong to me. They were deleted off of   XXXX   and now today  XXXX   XXXX  they have reappeared again on my  XXXX  credit report. They are no longer on my  XXXX  report and I need them removed from  XXXX  and  XXXX  and they are sliming my chances for credit and future home buying! They debt from   XXXX   XXXX   was sold to Ad  Astra Recovery Services  and I do not have a contract with Ad  Astra Recovery Services so  No Contract means no debt is owed to them. Because I have been through this multiple time I would like for Ad  Astra Recovery Services to provide me a contract with my signature stating I owe them ( Ad Astra   Recovery Services )  within 30 days of this complaint and if they can not furnish that I NEED them to close the account and report to   XXXX   and  XXXX  as closed and have them remove it from my credit reports!
Client was denied a modification under HAMP guidelines XXXX XXXX, XXXX. A request was made to the plaintiffs attorney on XXXX XXXX XXXX to accept immediately {$26000.00} as a downpayment, waive the late charges and prothonotary fees and spread the remaining aarrearge over 6months. The reinstatement as of XXXX XXXX XXXX was {$29000.00}. The fees that were being requested to be waived amounted to {$750.00}. That plan was declined XXXX XXXX XXXX.
I made a wire transfer through Citibank to XXXX in the amount of {$18000.00} in order to purchase a land in XXXX on XXXX. It took almost 1 month and the fund was never received by the beneficiary. I got answers that the transfer takes up to 5 day,10 days, and 20 days ... every time I called. Citibank is supposed to contact me if there is anything wrong but they never did and instead, I contacted Citibank almost every week since the transfer was made. Citibank promised me that I will get full refund and fee if the transfer is not made. So the last time that I called them was on XXXX. XXXX, XX/XX/2015 and I was told that the fund was returned because the account number that I provided was not correct. I also contacted the bank in XXXX to check all information and all information is correct including the account number. I would like to get my full refund and the processing fee as they promised since my time has been wasted and I will not trust them again. The problem is that Citibank told me that they will refund me with the current rate and without the fee which means I will lose money. This does n't make sense at all! Citibank kept telling me different answers and changing their minds which is not right. I highly doubt that if they ever transferred the fund. I ca n't pay for this because I provided correct information. In addition, I could always modify the information if there is anything wrong. I really need my full refund because Citibank failed to transfer my money. I 'm providing information regarding to this issue below. 
Source Account : XXXX ( Checking ) US Dollar Amount : $ XXXX : XXXX XXXX XXXX Account : XXXX : XXXX XXXX XXXX XXXX : XXXX Number : XXXXCitibank Reference Number : XXXXTrace Number : XXXX up by : XXXX XXXX XXXX XXXX XXXX XXXX My name has been changed to XXXX XXXX and XXXX XXXX XXXX my previous name
I do not have social security number, and I tried to get my credit report ( both annual free credit report or paid credit report ), however, I only got my credit report from XXXX. However, XXXX and Equifax refused to provide me my credit report, for the reason that I am not US citizen and I do not have social security number as an XXXX ( not entitled to a social security number unless have an employment authorized by XXXX ).
Transunion is reporting a bankruptcy from XXXX, Colorado on my credit report. First off, I have never filed for bankruptcy. Second, I 've never lived in or been to Colorado. I disputed the report. They came back after30 days and said they did n't find enough evidence to remove it. I called Transunion and was told I was wasting their time. I contacted the court where I supposedly filed the bankruptcy. They did not have my social security number or birthday associated with my name on file. I do n't know what to do from here.
XXXX : 1. XXXX 2. XXXX 3. XXXX XXXX XXXX : 1. XXXX XXXX. XXXX XXXX. XXXX XXXX It has been an on going issue this year alone with XXXX & XXXX. I was told that the credit bureaus are working on this issue but it has been more than 60 days and these mysterious inquiries pops up on my credit report out of no where, I have never given any companies or personnel no authorizations to open any accounts on my credit and they remain on my credit. I recently received a credit report less than a week ago and they remain on my credit. I have patiently waited for the investigation process and I feel that I 'm wasting my time because it has been more than 60 days and no one at any of the bureaus are making this situation no better. I am at the point of filing a civil lawsuit soon if the mysterious inquiries remain on my credit.
Attn : CFPB : I am a Discover Card holder and recently tried to pay a substantial amount on my bill. I tried to pay on the high interest rate amounts first, but was told that I could not allocate all the money to those totals and therefore I would continue to pay on these amounts with the high interest rates until I made several more payments due to the interest charges accruing each month from the unpaid balances. I am appalled that this company is trying to make an underhanded profit off the backs of hard working people like myself. I hope to completely pay off this bill by XXXX, but at this rate of Discover Card devious actions it may take longer than that. 
I am a product of the XXXX lay-offs and had to go back to school at XXXX and reinvent my career and become a XXXX. I hoped that this was a career with more opportunities and less chance of downsizing. I borrowed money from the card to pay my tuition and cashed in my XXXX and two years later I have a good job that I love. I am just starting to make a dent in the bills I have accrued. I do n't know if this is illegal on Discover Card 's part but it certainly rings of illicit criminal XXXX type of behavior in my eyes. I did complain to Discover Card 's complaint department and never received the call back that I was promised for a follow-up on my discord. I suppose that after complaining to you the ( CFPB ) that XXXX from Discover, will show up at my door and threaten to XXXX and demand full payment with interest immediately. All that aside I only wish to pay my bills and break this cycle of using credit. I am hoping that the CFPB will look into how Discover Card conducts their business and refine the modus operandi of how they gouge the public that unknowingly gets entangled in these unsavory business abuses of theirs. I realize that somewhere in the fine print of their lawyer 's jargon paperwork it probably mentioned this or ( not ), but I do n't have a law degree and in no way could I or the average person using their card would ever understand what was being said. My only option is bringing this to your attention and hoping for a change. I look forward to hearing from you soon and Thank You in advance for whatever you can do.
On XX/XX/2018, after looking at my credit report I found out that Med Com AU is stating that I owe 2 collection items at XXXX. I never had an account with Med Com AU. There is no number, or addresses listed to contact them. I contacted the original creditor listed XXXX  and they told me that they no longer have the account. I asked them to validate the account and they told me that I wrote 2 checks for 2 separate amounts. They said that they would send them but never did. Based on the credit report they show that owe a total of {$80.00} for both checks. I'm still waiting for validation and I have disputed this with XXXX  credit bureaus 2 times already. Once on my own in XX/XX/XXXX, and another time with XXXX XXXX XXXX 's help at the end of XX/XX/XXXX. Each time XXXX   tell me that I have to wait 45 days and then they say its valid. I asked for proof of validation or investigation process and they will never give it to me. The account is also showing open and it previously showed a closed item. Now, it's showing open. I'm disputing the account again. 

As a result, this is hurting my credit score and preventing me from getting credit, or financing on my home and any other credit.
I received an email stating an account was added to my credit report from XXXX XXXX XXXX XXXX, original creditor XXXX XXXX XXXX for the amount of {$880.00}. It was opened XX/XX/2018 and states it's a joint account. I called them and asked for the information pertaining the account and was told it was fraud for a rental property in the state of Texas. They advised me to get a police report. When I looked at the account again on XXXX XXXX the remarks stated " account information disputed by consumer, meets FCRA requirements '' meaning they verified it belongs to me. Which it does not.
On XXXX XXXX, 2016, I filled a dispute with Discover for XXXX XXXX, that I booked on XXXX XXXX, 2016. I was not allowed to get on the flight. I called allegiant customer service, after 45+ minuets of wait. I ended up calling Discover and explained them about the whole situation about not letting me board the flight. The customer service Rep. said he will go ahead and file a dispute once the transaction gets posted on the account. They filled the dispute. On XXXX XXXX, 2016, I was given my money back of {$220.00} along with the interest of {$0.00}. This transaction was final not temporary. On XXXX XXXX, 2016, I saw that Discover reposted that transaction for the amount of {$220.00}. Upon speaking with XXXX from customer resolution department, she said that XXXX said all sales are final. First of all, I did not miss my flight. If I was n't allowed to board the flight, how is it my fault? I had to get a bus from the XXXX airport to get a new flight to California from XXXX airport. On XXXX XXXX, I spoke with Allegiant customer service rep. I was told it is been over XXXX months and they wo n't be able to help me with anything. Discover did not represent me properly and took my money back without proper investigation. Discover can get a recording of the airport of XXXX XXXX, 2016. I was n't late. I got there on time. Due to Discover 's misrepresentation and lack of service, I am losing my {$220.00} for a service that I never used or was not allowed to used. I had to pay {$50.00} for the bus from XXXX to XXXX and then {$250.00} for the new flight. All in all, no one at customer resolution department of Discover is willing to help. They are reading the copy/paste policy of XXXX that says all sales are final. Discover did not even look at my particular situation. At last discover failed to perform their duty and represent me properly.
claims such as '' we can not deny you based upon : ... ... .... ... XXXX or excersing you rights as a credit consumer '' ... ( forced to say these days, however ... ) yet doesnt abide by this. 

I excersise my right and they refuse to honor to correct my accounts or my files, cotinuously reselling my debt and refusing to service the account. in the past we were not obligated to reply to XXXX parties. refuses to service sold accounts. THEN refuses credit because of " past actions and money owed to us '' ... when applying. 

not only is this extortion- I want the ability to open a credit line because others have XXXX me. MY atty said NOT TO PAY. you cant penalize me for that when upright was on retainer. quite frankly ( XXXX doing this too ) you cant stop me. XXXX was attempted, therefore the debt is invalid in full for both accounts. must be purged and we can try again. failure to comply will result in immeadiate lawsuit. I have another atty Im willing to hire- claims wiling to assist me.
I have a credit card with XXXX ( a dept store ) I tried to keep up on my payments but I fell behind and they sold my debt to a collection agency Eastern Asset Solutions LLC. I contacted them and they did not identify who they were they just answered the phone like they were at home or something. I also set up XXXX payments before the end of the XXXX payment I was to call and set up XXXX more so when I called to do that he said they already had it set up for the next XXXX but I had n't authorized that when I questioned it and told him to not take any more money out of my account because I did not trust this company he got very irate and started threatening me with a higher balance and said this is n't going to go away I told him I know I owe the debt and I want to pay it but I 'm not paying it to you and then he started yelling at me and would not let me talk and eventually hung the phone up on me
I received documentation from XXXX XXXX XXXX/XXXX on XXXX XXXX that documentation had been submitted to the bureaus to have all derogatory late payments removed as I am a military member and am protected by SCRA. I received an alert from XXXX on XX/XX/XXXX that the accounts have been updated to 120 days past due. I called and spoke with a customer service representative from XXXX on XX/XX/XXXX and was informed that my account status is showing current.
People keep calling from all different numbers from a company called " NP Group '' telling me that I owe money from 2010. I never took a loan out online. The guy ( XXXX ) called and said I took money out from an online source, XXXX XXXX. XXXX XXXX also has several lawsuits against them for not following the XXXX guidelines. 

NP Group is actually known as National Principal Group , LLC. This company is also known as XXXX. FAKES!
My Husband and I are currently delinquent on our mortgage due a to long term financial hardship. Our Loan is serviced by Ocwen. We will soon have the ability to bring our mortgage payments current. We have made several requests to Ocwen to provide exact amount required to bring our loan current. Ocwen continues to provide conflicting amounts via telephone representatives and written correspondence sent to us. The amount Ocwen provide to our Attorney and local court overseeing foreclosure is also conflicting in reference to the total amount needed to cure the delinquent payments. We have yet to receive an accurate and confirmed amount needed to remain in our home.
I set up payment and payment declined. They call claim he 's a lawyer saying he 's gon na prosecute me and hold on my licence it 's a payday loan from 6 years ago
Hard Inquiry XXXX Inquiry from XXXX XXXX 2017 XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX 2017 XXXX Inquiry from XXXX XXXX 2017
This company " ERC Collections '' has been harassing me in regards to some type of debt. When I originally tried calling back the experience would vary depending upon the phone number they called from. In most cases the phone just rang and rang or the phone would disconnect. Therefore, I wrote them off as just another group of scammers. However, now these people are calling me at WORK ... ..ALL DAY/EVERY DAY including calls to Human Resources and today they went directly to my boss. They told my boss " she has an outstanding debt but refuses to answer her phone ''. I am MORTIFIED ... .they ca n't do that can they??? In the past they have told HR that they have " papers to serve in a legal matter '' and that HR either has to " accept the served papers on my behalf or that HR will have to " force '' me to come to the front desk and be served. Last week my ex-husband, AND ex-mother in law received calls on my behalf and they stated it was a " legal '' matter. Please help!!!!!!!!!!!!!!
Springleaf formerly AGF continues to report a debt on my credit report " Settled less than full ''. This debt is not mine. It may be a credit line opened by my wife. I believe she settled it in 2011. I did not co-sign or have any knowledge of the transaction. Springleaf reported it on my credit in an attempt to bully me into paying my wife 's debt. After it was settled by my wife they continued to report it on my credit. Over the last XXXX years I have paid all of my creditors and other than my mortgage I am debt free. My credit would be excellent except that this company keeps putting my wife 's debt on my credit report. I have spoken with them many times and they are unable to come up with any evidence that the debt is mine but they continue to report it. I have disputed it with XXXX and they come back " verified '' but wo n't cant produce any supporting documents or tell me how it was verified. My complaint is against Springleaf for deliberating putting incorrect information on my credit report and against XXXX for not properly investigating.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Complaint XXXX XXXX : Complaint against : ( 1 ) Asset Acceptance LLC XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( 2 ) XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX XXXX XXXX XXXX XXXX, 1. XXXX Bank issued me a XXXX XXXX Card XXXX upon which I obtained loan in the amount of about {$15000.00}. The balance as of XXXX XXXX, XXXX was {$16000.00}. 

2. XXXX Bank assigned the debts to an Assignee Asset Acceptance LLC without any intimation to me. 

3. On XXXX XXXX, XXXX, Assignee instituted action by their Attorneys claiming {$33000.00} without stating as how they arrived at {$33000.00}. The summons was served upon a non-existing " Fictitious person ''. A default Judgment was passed behind my back on XXXX XXXX, XXXX for {$35000.00} and interest. 

4. The affidavit of merit does not contain any evidence of proof of claim. Neither Defendant 's account nor copy of the Assignment is annexed. 

5. On XXXX XXXX, XXXX Sheriff 's income execution was levied for {$38000.00} which included interest of {$500.00} and compound interest which was illegal. 

6. On XXXX XXXX, XXXX I made an Application Pro Se to the Court to vacate the judgment, to stop garnishing wages on the ground of non-service of Summons or any document in this action. The Response does not deny non-service of summons. On XXXX XXXX, XXXX the XXXX was granted only to the extent that the income execution was stayed from the date of the Order. 

7. On XXXX XXXX, XXXX, I filed Pro Se subsequent XXXX to vacate the judgment and income execution on the ground of non-service of Summons or any document in this action which met with the same fate. This time the claim had increased to {$45000.00} and was denied. 

8. Appeals to the XXXX Court were also denied because they were not perfected as I filed Pro Se as I was financially crippled and a Motion to reargue was also denied 9. The payments made by me were illegally appropriated towards interest whereas principal amount went on sky rocketing. InterestXXXX30.5 % compounded continues to be charged even after judgment although the judgment provides for 9 % as a result I will be paying the amount of {$600.00} per month throughout my life as if I am a bonded labor, working for free of charge for Assignee. I have paid more than {$50000.00} but the amount continues to increase. No satisfaction of the Judgment is recorded for the payments obtained from me after the judgment. 

10. I Appeal to you to hold an enquiry against all the parties, take appropriate action, cancel their licenses after hearing and discharge the claim against me as fully satisfied. I am prepared to place these facts by affidavit and also testify to the facts mentioned above and produce all documents in original. I can send you my Complaint in detail by mail because my electronic complaint is restricted to XXXX spaces.
I had opened Capital One Business credit card to finance my new business in XX/XX/2016. Business did not start too well, and I got late on my credit card payments. Once, my bank had returned the payment I made to Capital One, and Capital One soon after closed my Business account ( as charged-off ). A year or so later, I am in a better position financially wanted to pay off my balance to Capital One. I called to make a payment in full for the balance on the account, and was rerouted by an automatic service to a Law firm, supposedly Capital One had send my account to them to collect the balance owed. I never signed an agreement or opened and account with the law firm, so I had no interest in discussing my balance with them. I called Capital One, and after 2 hours on the phone and 5 transfers to different representatives, I finally had a conversation with a business account manager and was told that they will not accept my payment because the account was forwarded to law firm. The manager REFUSED to accept my payment that I was willing to make to the creditor I made an agreement with and opened an account - Capital One. I disputed this with XXXX as an account that no longer belongs to me, due to Capital One refusing to take my payment, which resulted in " account confirmed "!!!! I am furious because Capital One refused to accept my payment and XXXX did not remove the account from my file. Please help!