WillisBack/dataset-financial-user-claim huggingface dataset:
I accidentally purchased the wrong hotel rooms for a trip to XXXX. As soon as I made the mistake, I called my credit card company to see if they could cancel my transaction bc the hotel does not have an international number to call. I was assured that the transaction would not go through because it would cause my credit card balance to exceed the limit. The next day, the credit card transaction processed and I was allowed to exceed the limit. I have not previously been allowed to exceed my limit which is one of my favorite things about this credit card. When I called to ask why they said I had signed up to allow for the card to exceed its limit ( not sure when I did that ... ) and I would be responsible for the extra hotel rooms. I also reached out by email to try to correct the mistake but they have a no cancellation policy.
XXXX XXXX ( XXXX ) has already called my house 3 times this morning. They are looking for an XXXX XXXX. I am not XXXX XXXX and do not know an XXXX XXXX. This harassment has been going on for weeks, with multiple calls being made to my home daily at all hours of the day and night. I have repeatedly asked them to stop, but they refuse. Each time I am told that my number will be removed from what ever account they are trying to collect on, but again, they are not doing it. This needs to stop.
The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions and XXXX is the only one with no help. I didnt authorize the pull of my credit from any of these companies listed below Santander Consumer-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX
On XXXX/XXXX/XXXX I was approved for a XXXX XXXX XXXX XXXX. On a conversation over the phone with a XXXX representative I was told I would NOT have to make any payments on this account for one year, until XXXX XXXX XXXX I 'm not sure why XXXX XXXX, rather than XXXX XXXX XXXX. That is also what all marketing for the card indicated, and it is why I signed up for the card. The phone call I made was to confirm this information. 

I was able to transfer a balance from a XXXX XXXX credit card of XXXX to the XXXX and I made some purchases. 

Within the last week, the final week of XXXX XXXX, I checked my credit score and was shocked to see that I had a series of missed payments for the XXXX and my credit score had tanked. I called XXXX and was informed that I was supposed to be making a payment each month, contrary to what I was told when I signed up for the card, and the marketing advertising the card. 

I immediately paid my " missed payments '' in full. XXXX was willing to admit fault on their part to the extent that they refunded all late fees but they said they were unwilling to remove the negative marks on my credit report. 

This is seriously affecting my future and I feel I was intentionally misled by XXXX. I 've talked to a total of four different XXXX representatives, during the last week of XXXX XXXX and the first week of XXXX XXXX, and none have been willing to help me remove the negative marks from my credit score.
I Owe A Balance of {$2300.00} and i have been trying to be reasonable as possible to get this resolve i told the Debt Collector That I was XXXX And Not Able To Pay I Sent In Proof Of That By A XXXX Judge I Faxed In A Packet Of Papers They Make Like They Did n't Receive Them The Lady Name Is XXXX XXXX She Got A Really Nasty Attitude With Me Frederick J Hanna And Associates Law Firm XXXX Is The Third Party Collecting The Debt And I Had Something where they was supposed to pay off the debt when you become XXXX but they lied and they was charging me {$8.00} Monthly For That Service and It was n't Benefiting me at all they supposed to pay up to {$10000.00} if you become XXXX and I told Them That I Was XXXX And Not Able To Work Faxed In Papers From A XXXX Judge and they Make Like They Did n't Received the Fax and They Gave Me They Fax Number and I Even Have It On Paper the fax Number is ( XXXX ) XXXX and their telephone number is ( XXXX ) XXXX I Want Something Did About This And XXXX XXXX Supervisor XXXX XXXX is a Man Going Along With Her and they taking me to court over this on XXXX XXXX at XXXX I Received a paper From The Law Firm XXXX XXXX XXXX That Is Stating Dear XXXX XXXX we have been advised that our client 's lawsuit against you in the above case was recently served. if you are interested in resolving this case without further legal proceedings, we invite you to contact our Legal Department at ( XXXX ) XXXX to discuss your case in the event you are unable to reach a representative, we also welcome you to contact us via fax at ( XXXX ) XXXX or email XXXXXXXXXXXX, with a brief explanation stating how you would like to resolve this matter. and a representative will be in contact with you. However please note that contacting our office does not relieve you of any requirement ( s ) to file responsive pleadings with the court we would like to reach an amicable resolution to this matter. Payments and communications should be made only through our office. We Look foward to hearing from you This Firm is Licensed to practice law in XXXX, XXXX, XXXX, XXXX And XXXX. This Communication is from a XXXX Collector and is an attempt to collect a debt any information obtained will be used for that purpose. 
Sincerely, Frederick J Hanna And Associates, PC And When I Contacting Them XXXX XXXX said That Got Noting To Do With You Go To Court Let us Know How It Went but the Letter came to me With my name on it she had A Very Nasty Attitude
We applied for a mortgage with Wells Fargo. The property was in a XXXX XXXX community on land owned. The XXXX community has a combination of land owned and leased land. We were pre-approved for a mortgage and a closing date was set for a month later. Per request from Wells Fargo, we agreed to put down 25 % of the price. Wells Fargo demanded an appraisal which we paid {$500.00} for. The appraisal was reviewed by Wells Fargo and the value of the property was lowered {$5000.00}. The sellers agreed to lower the price accordingly. When the closing date was moved for the 3rd time, the sellers were considering to pull out of the sale. We called Wells Fargo notifying about this and were assured that they would refund the cost of the appraisal if the sellers pulled out or if we were denied the mortgage by no fault of our own. After the closing date was moved the 5th time, the sellers decided to retract the sale of the property. We notified Wells Fargo about this, requesting refund of the appraisal, but was told that the mortgage was denied by XXXX XXXX due to insufficient collateral - XXXX XXXX does not finance properties as the one we wanted to buy. We got denied the refund of the appraisal for that reason. We filed a complaint with Wells Fargo Consumer Care and Recovery Group, but was told again that they do not refund appraisals after denial of mortgage. Our opinion is, that they should have know this prior to pre-approving us and putting us through the process which lasted 3 months. We were also told by Wells Fargo representative that XXXX XXXX might not approve the mortgage as it was in a XXXX community consisting of manufactured homes, irregardless Wells Fargo should have known that XXXX XXXX and Wells Fargo does not do these type of mortgages. We were lead to believe that this type of mortgage was possible through Wells Fargo. We wasted three month of our time, lost the home of our dreams and {$500.00} due to the above.
When closing my Victoria Secret Credit Card ( the reason was the unsatisfactory handling by XXXX  XXXX ) the representative wrote to me that my balance is XXXX when closing my account. 

However, my balance was - XXXX , meaning that XXXX owned me XXXX $! This means that XXXX simply kept my money, because I closed their account. 

I believe it is at least a violation of consumer protection law and possibly can be seen as an embezzlement of my money by XXXX.
I have paid off a loan and the lender Freedom Mortgage has sent me all the paperwork indicating the loan is paid and closed. However they keep reporting to XXXX there is a balance owed and when I contact XXXX XXXX of Freedom mortgage she refuses to return my calls or make the corrections. The company has made the corrections to XXXX when pressed however they have corrected XXXX then reported balance due again.
Received a very angry call from my grandmother on XX/XX/2019 about the debt Im in with JcPenney. Specifically told her details about the debt, the amount, and even attempted to organize a payment arrangement THROUGH HER. Ive had to shift my entire life to begin being able to pay off this card. Now Im so ashamed and angry that Id be happier giving my saved money to a lawyer instead.
JP Morgan Chase Loan : XXXX Over the past two months I set up an autopay with JP Morgan Chase on the above referended loan. I gave them the accurate details for the autopay and they continually attempted to take money from my " Savings '' account not my " Checking '' account. The two have the same number and numerous other companies have been cabaple of taking from the " Checking '' account. 

Two days ago ( X/XX/17 ) without any phone or mail notification they Repossessed the vehicle. I spoke with XXXX yesterday ( X/XX/17 ) who escalated to his supervisor XXXX yesterday and was informed that the only option was refinancing and they stated this several times. 

Today I was able to get refinancing from XXXX XXXX and when I was on the Phone with XXXX XXXX she told me that they could not accept the refinancing because they can not bring the account current. 

All in all I would suggest that JP Morgan Chase has been very shady in all of their dealings with me on this issue.
I have moved to another country in 2009, and confirmed XXXX 2009 is the last time I used the credit card, which is free of annual fee. I have confirmation that I settled the payment and I have not received any new statement/balance throughout the years. My old landlord has informed me that a debt collection company has mailed me with a debt of {$610.00} which I am certain is not mine. I do n't know if it was identity theft or not, I tried to contact them but could n't. they do n't have any of my numbers as I cancelled all my old phones already.
Financial Asset Management Systems Inc. representative contacted me to collect a debt. However, the representative refused to give me any information on the debt unless I provided my full social security number. I told representative that I will not provide my social security number ; that I will only provide my name and address. The representative insisted that I provide my social security number otherwise she will not provide any information about the debt. I told her that I will not jeopardize giving you my social security number for her and the company she is representing to use in any type of security breach that can devastate my identity. She insisted that I give my social security number or else I do not receive the information about a debt collection and threatened to take legal action against me for not providing my social security number to her. 

I find this very troubling as this company has attempted to extort my social security number and attempting to collect a debt and are unable to provide any information about this debt and then use threatening tactics. 

Unacceptable!!!!
I am trying to get a loan modification from SunTrust Mortgage , Inc . I sent my documents in their pre-addressed envelope, but they say they never got it. Today I tried to fax the documents, but the fax phone just rang and never picked up. I am going to try scanning and emailing, and I will resend the documents USPS return receipt. SunTrust does not offer an address for overnight packages. I get the feeling I 'm being XXXX around - that my documents were indeed delivered but are lost somewhere, and that the fax number provided is bogus.
I wrote and sent a Certified Letter with Read Receipt for debt validation to State Collection Service on XX/XX/XXXX at STATE COLLECTION SERVICE XXXX XXXX  XXXX XXXX, WI XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I have requested that STATE COLLECTION SERVICE provide me with complete documentation to verify that I owe said debt and have any legal obligation to pay them. I have not received a satisfactory response within the 30 day period for Debt Validation. ( 15 USC 1692g Sec. 809 ( b ) ). I asked for the following : 1 ) Agreement with the creditor that authorizes State Collection Service to collect on the alleged debt. 2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. Accounting of all charges is required. 4 ) Proof that the Statute of limitations has not expired. 5 ) Complete payment history on this account along with an accounting of all additional charges. 6 ) Show me that they are licensed to collect in my state ; and their license numbers and Registered Agent. 

On XX/XX/XXXX I sent a second Certified Letter with Read Receipt for debt validation to State Collection Service at STATE COLLECTION SERVICE PO BOX XXXX XXXX, WI XXXX. The communication I received both times as shown in the attached documentation they have provided myself - did not meet FDCPA requirements. 

The documentation provided by STATE COLLECTION SERVICE does not provide : There is no Chain of Title provided that in fact evidences Standing. 

The assignment, whereas, the assignment refers to the contract between original creditor and credit  collection agency, is to be established by a written contract of assignment, which can be established through multiple documents that are incorporated by reference into the contract of assignment. The contract of assignment, however, must contain the information required by the Illinois Collection Agency Act ( ACC ) including the date of assignment, the consideration paid, interest, charges, and all accounting of the matter and the identifying information for the account. 

Illinois Collection Agency Act Section 8 ( b ) ( 225 ILCS 425/8b ) Debt Collection Agency added to this Actrequires written agreement evidencing assignment of debt, recording of assignments.
A couple months after leasing my XXXX XXXX which I still have I paid the lease off in full. In XX/XX/2018 I moved from XXXX area to XXXX XXXX, AL. Evidently the taxes on a lease change based on where you live. I pulled my credit and a 30 day notice in XX/XX/2018 showed up on my lease that is paid off. Evidently I pay {$17.00} more per month in taxes on a lease payment than I do in XXXX in XXXX XXXX. I was never notified. No mail, no call, no notice. No nothing. Just found a 30 day on my credit. I called Nissan and rep said no problem this makes sense. I will submit for you to be taken off. I paid the {$150.00} in taxes for the rest of the term and received a letter stating that the 30 day will not be taken off and that it is accurate.
My account with Rushcard had a block placed on it as of XXXX XXXX XXXX. I was instructed to send in documents verifying my name and address which I did on multiple occassions only to be told that I needed to send the documents in again and again and again. This went on until XXXX XXXX XXXX when Rushcard finally closed my account and told me I would receive a check in the mail in 5-7 business days. Unfortunately for me this is around the time that they 're " system update " was to take place and now my online account is showing a zero balance and when I call in the automated system says my card has not been activated and I 've yet to be able to reach anyone from customer service since the system crash.
Due to several financial setbacks I 'm always asking for lower payments however instead they keep putting me in forbearance. Once out of forbearance it seems my payments double or triple which in turn means I still can not make the payments. I have tried income based repayment but they do n't take your other debts into consideration, just your income and feel you can pay only Navient and no one else. I 've been doing the forbearance or deferment for years only to accumulate more interest. I 've tried telling them what I can pay per month versus paying nothing and only meet with the forbearance option. As a single person making a house payment and paying other bills, I feel their way of " helping '' is only making things worse. Since my school location is n't listed, I have these loans from attending XXXX XXXX XXXX - XXXX, IN ( On-line courses )
Credit Systems the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
According to XXXX XXXX was deleted from my Transunion Credit Report between XXXX XXXX - XXXX, 2017. Today I checked my Transunion credit report online and the company is reappearing once again. I had investigated this creditor with CFPB in the past and it was removed from my credit report.
In XXXX 2017, I applied for an American Express Platinum card that was advertised as " spend {$4000.00} for first three months and pay an annual fee of {$450.00} and you will get XXXX points, plus other benefits '', I sent {$450.00} fee and spent more than {$4000.00} as stipulated, and now when I went to get my points, they flatly denied that they '' ever had such a promotion, even though it still all over the internet, they also claim that what 's on the web is not their promotion, but when you call one of those offering this promotion, you end up tight at American Express. This is clearly a deceptive and misleading practice by Amex, and I want either my XXXX points or return of my {$450.00} fee.I would not have paid a hefty annual fee for a card that I can without a fee. I also want my other points for the more than {$4000.00} that I put on this card, redeemed. This card is issued to me, it also mentioned my business, after denying that they ever had such a promotion, After denying that such a promotion ever existed, now they 're saying that this card is only for personal use and businesses are not eligible for it! even though there is no mention of such restriction anywhere!
On XX/XX/18I called to have my cards replaced. I provided my new address, but the rep failed to take note of my apartment number. Which caused my cards to be returned and my account to be frozen per their policy. I was supposed to be paid today. But since they froze my account over their error, my direct deposit bounced. I called before this on the XX/XX/XXXXasking where my cards were and so they resent another card via XXXX XXXX. I thought I was fine until this happens yesterday. I don’t understand why they must freeze an account instead of blocking any cards that are still active. Now since I was out of work for almost two months I’m behind 30 days on my rent. I was contracted to pay today if not I would be evicted. Now I’m facing eviction bc of their stupid error.
I checked my credit report the other day because i'm trying to get me a XXXX XXXX and I notice a couple of items on my credit report that are not mine. I need these items deleted from my credrt report because they are not mine. XXXX XXXX XXXX XXXX XXXX. I reached out to the FTC and my local police. Im doing this on my own behalf. There are also inquires on my report that are not mine as well. XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX
I overpaid WellsFargo the balance of my consurmer line of credit. After the payment has been applied it shows a balance of ( {$62.00} ). I was expecting the credit amount to be sent to me. Instead, Wellsfargo kept the money and the balance is now XXXX. They refused to send me my refund money.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX, TX. XXXX XXXX : XXXX XXXX Dear XXXX XXXX : This is my final attempt to contact you regarding my request for your company XXXX XXXX to remove the XXXX air conditioning unit and any and all other components installed in my home on XX/XX/XXXX-XXXX, 2016. I have tried to resolve this matter with you ( XXXX XXXX ) and XXXX XXXX XXXX since XXXX XXXX, 2016.  Ive contacted XXXX XXXX XXXX Credit Card to dispute the charges of {$13000.00} and to conduct an investigation in to the manner in which this account was opened. I have made several attempts to resolve this mater amicably. XXXX XXXX has not made any attempts to contact me regarding removal of this unit. Your company called and offered me {$500.00} weeks ago and last week XXXX called asking for my email address to send me some sort of warranty information. Each time I requested the removal of the unit and each time I was told that they would have you call me back. To date I 've yet to hear from you. Therefore youve left me with only two ( 2 ) options Ive listed below 1. I could have a XXXX Authorized Specialist remove the above referenced unit and deliver it to your office at your expense. 2. I could have a XXXX Authorized Specialist disassemble the above referenced unit and store it in my garageand charge XXXX XXXX a storage fee. 3. I want you to realize that you have removed to working units from my property when I ask you to leave them. You have lied to me, stating the EPA requires you to remove units or be fined XXXX dollars. I have verified this EPA. and it was found that you lied. Please contact me within five ( 5 ) days from receipt of this letter ( no later than XX/XX/2016 ), so that we can settle this matter. If no response by XXXX XXXX, XXXX, I have no choice but to pursue the above referenced options. Your prompt attention regarding this matter is greatly appreciated. You XXXX only contact me via email at XXXXXXXXXXXX. Regards, XXXX XXXX
After I have spoken to them, or my father has spoken to then because the also call his phone about the debt, they still call at least 5 times a day. Even when payments have been made. Even when I personally have discussed payment options with them. No matter what I receive at least 5 phone calls a day, including weekends. If I ignored a particular number, they will call from several different ones and use the alternative numbers to call me 5 times a day. 

They call my father and demand he pay more than he can or threaten other case action when he does n't give the response the want. Some agents are very nasty.
I have asked for a monthly statement over the year only to be told many different reasons why I ca n't have one! I believe any would want to know where their money goes it seems it should be my right? they used to send them what happen? another thing that raises my eyebrow is this tax year I repeatedly asked for a XXXX only to be told I did not pay interest and that they would not provide one ... one last thing I have registered to log into my account but there is no information no payment history no balance nothing ... .another interesting thing is last year I applied for a car loan and told the officer that I have a home for the last 15 years he said it was no where yo be found in my credit history ...
I requested a credit investigation on XXXX XXXX. More than 45 days later, and I have yet to receive a response from XXXX. They are supposed to respond within 30 days.
Coinbase was supposed to deposit XXXX XXXX to my account in 2014 but never completed the transaction. The transaction still shows in my account as pending. I have attempted to work with their support team for the last 90 days and have not received an update in the last 45 days.
On   XXXX   XXXX   XXXX    , I received a call from  XXXX . I did not answer nor did the caller leave a message. I looked up the phone number on  XXXX  and the number came up as  XXXX   XXXX .     I tried to call the number back, it is actually a debt collector called, The Revenue Group.     They are impersonating themselves pretending to be a legit company to trick the receiver of the call.