WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018, I opened a XXXX XXXX Preferred credit card. I paid the annual fee of {$95.00} on the first statement, in XX/XX/XXXX. I successfully used the card and there were no issues for some time. 

On XX/XX/2018, Chase shut down my credit card accounts. I called in and asked for an appeal, in which they opened an investigation. They completed the investigation on XX/XX/2018 and decided to keep the accounts closed. 

On XX/XX/2018, I called Chase to get my annual fee refunded in a pro-rated amount. I feel this is fair because the closing of my account came from a Chase decision, not my own. I only was able to use my card for 3/4 of the year, therefore I feel it's fair to pay 3/4 of the annual fee. I don't believe it's much of an annual fee if you don't get to keep the card for a year. 

I spoke with a frontline representative, and they declined my request. I asked to be transferred to a supervisor, which they did. The call, at approximately XXXX, ended with XXXX, a supervisor, saying he had no power to reverse or refund an annual fee. I replied that I felt this was unfair and asked if there was anything else in his ability to make this right, and he said he did not have authority.
TO WHOM IT MAY CONCERN, I HAVE BEEN TRYING TO RESOLVE MANY ISSUES THAT ARE ERRONEOUSLY REPORTED ON MY CREDIT REPORT BY ALL 3 CREDIT REPORTING BUREAUS. I 'VE HAD THE COLLECTION AGENCY WHO DID THE ORIGINAL NEGATIVE REPORTING MAKE CONTACT THE 3 CREDIT REPORTING AGENCIES DIRECTLY, TO HAVE THE ITEMS REMOVED FROM MY ACCOUNT. WE HAVE TRIED DOING IT ON THE PHONE VIA CONFERENCE CALLS, AUD REPORTING WHICH WAS SENT FROM THE COLLECTION COMPANY TO THE 3 CREDIT BUREAS, AND VIA EMAIL. STILL THE 3 CREDIT BUREAUS WILL NOT UPDATE THE INFO. PLEASE HELP!!!!!
I got a letter for a debt collector saying i owed XXXX on XX/XX/2017 they threaten me told me that i would go jail ..wait an watch your day are coming ..it said it was laywer from XXXX cty court that i didnt have insurance ..so i tried to get my driver license renew and i couldnt cause they said i owed XXXX to XXXX cty court ..I never received a bill ..i only got calls but nevr any explanations ..so now i have bill of XXXX and i cant renew my license
I found a Collection company called XXXX XXXX XXXX XXXX on XX/XX/XXXX on my credit report stating that I owed a bill from a XXXX from 7 years prior. I have never been contacted by the XXXX about a bill being owed previous to XX/XX/XXXX.of any kind, so the next day when I got to work, I called the collection company, Choice Recovery and asked them about  the bill. They had a wrong address, wrong phone number, personal and work and had duplicated the bill twice on their records, which she said she removed one of the bills ... both were for the same date and amount. I begged her to take this off of my credit report since I had been working for a year to build my report up, but she said there was nothing she could do and I needed to just pay the bill. I paid the bill immediately just to get rid of it, hoping that my credit report could recover. That was on XX/XX/XXXX, and the bill is still on my credit report, which I have called them back and called XXXX and XXXX XXXX, but to no avail. HELP!! XXXX said they had asked for verification from the collection company but had gotten no response as of XX/XX/XXXX.
I am a co-signer on a loan that my deceased grandson originated with Sallie Mae and later transferred to Navient. I asked my daughter in law to contact them on my behalf to request a copy of the loan documents, payment history and proof that he opted out of an insurance that would have covered the debt ( according to Navient ) which I have requested in the past and never received. She sent that request XX/XX/2018. We did not receive any further correspondence from Navient until XXXX when the transferred it to collections and filed negative reporting on my credit history. They also said they mailed a letter on XX/XX/2018 stating they had to have authorization to release information to a third party. My daughter in law did not try to obtain anything until XX/XX/XXXX so I don't know why they would send a letter the day before. As of today I still have not received any of the information that has been requested. Up until XXXX I made all monthly payments timely because they told me it was owed although I have been requesting documentation to show how much was owed for how long and now I have started to question everything that has been paid because to date I haven't received any paperwork other than monthly statements.
Cavalry SPV LLC is suing me for an old debt with XXXX XXXX. I have moved 4 times in 3 years. I was not properly notified of a lawsuit or continued issue with XXXX XXXX  since they no longer exist. The debt has not been properly verified.
I opened an account with XXXX XXXX through a XXXX XXXX  store in XX/XX/XXXX. XXXX XXXX wrote off this alleged debt off in XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX became XXXX XXXX. Cavalry SPV bought the alleged debt from XXXX XXXX inXX/XX/XXXX. I dispute the fact that I can be sued for the alleged debt that did not exist as ofXX/XX/XXXX. The plaintiff is named as Cavalry SPV, assignee for XXXX XXXX XXXX XXXX. The plaintiff in this lawsuit is an assignee for a company that no longer exists. Nowhere in the actual lawsuit filing itself is the mention of XXXX XXXX. These details point directly to fraudulent business practices and debt collection directed to a consumer. Cavalry SPV has been named in and accused of fraudulent business practices against consumers for the purpose of collecting zombie debt before and judgements have been issued for the consumer.
I have tried to make the payments on line but, I am behind on my payments and they will only let me fill out a form for hardship. If I call then there will be a fee for calling in to make the payment.I have not filed bankruptcy and would like to keep up on things when i fall behind
XXXX XXXX XXXX has been told both in writing and verbally every single time that they call from multiple phone numbers from countless area codes to CEASE AND DESIST from calling me about a fraudulent debt they purchased from XXXX XXXX who violated federal law relating to the time frame required by federal law in which payments made to the account are required to be accepted ( XXXX east coast time, XXXX pacific time ) by having so many people trying to do so and freezing up their website to force payments to be made late, thereby generating fee income through fraudulent activity. 

XXXX XXXX XXXX has been told this in writing YEARS AGO and every time they call YET THEY CONTINUE TO VIOLATE FEDERAL DEBT COLLECTION LAWS AND REFUSE TO STOP HARASSING ME FOR A FRAUDULENT DEBT THAT WILL NEVER BE PAID!!! 

ENFORCE THE LAWS AND THROW THESE THIEVING XXXX IN JAIL!!!
On XXXX XXXX, 2015, my wife and I applied for a Home Equity Line of Credit with the local ( XXXX, GA ) branch of Wells Fargo Bank. The application was sent to Wells Fargo 's central loan office for processing and a XXXX XXXX was assigned as our loan officer.. 
On XXXX XXXX, we received an email from XXXX XXXX informing us that our application was declined and that we would receive a letter explaining this decision within 10 - 14 days. 
As of XXXX XXXX, 2015 we have received no such letter or explanation. 
In addition to being a violation of the Fair Credit Reporting Act, the lack of any explanation places us in a difficult position since we would like to apply to another financial institution for a HELOC but are reluctant to do so until we know why our first application was declined so that we can take corrective action.
I had in 2013 a secured credit card from Bank of America. I had to put XXXX to open it. Two months after I opened the credit card account I moved but I called them and told the new address, they never somehow put that information on their system. As I had never used so much of my credit card and had everything else sent to my new address, I did n't notice that their bill never came to my new address. Months later I received a call from a collection company saying that I had a debit with Bank of America of XXXX and something. I paid but they put a negative report in my credit even know that they did n't send me any bill in my new address. I do n't think it is fair for me to pay for their disorganized data base. I called them about it but the negative report still there making my score down. 
I hope you can help me. 
Thank you in advance, XXXX XXXX XXXX
CHEXSYSTEMS CONSUMER ID XXXX SOMEONE OPENED A CHECKING ACCOUNT IN MY NAME IN ANOTHER STATE I HAVE NEVER LIVED IN AND IT IS ADVERSELY EFFECTING ME FROM OPENING A CHECKING ACCOUNT CAUSING HARDSHIPS! I HAVE ALREADY REPORTED BE A VICTIM OF IDENTITY THEFT!
I submitted a complaint about an car dealer submitting my credit to banks when I did not authorize it. And your company denied my request to have them removed. Like i stated in the last complaint that I DID NOT AUTHOIRZE THEM TO SEND MY CREDIT TO ANY BANK OTHER THEN XXXX XXXX BECAUSE I ALREADY HAD A PREAPPROVAL FROM XXXX XXXX!!! But whoever responded to my comlaint did not read it!! ILL SAY AGAIN THAT I DID NOT AUTHORIZE THEM TO SEND MY CREDIT TO ANY BANK OTHER THEN XXXX AND I TOLD THE SALESMAN THAT AND HE AGREEDED NOT TO. THEY ARE DOING SHOTTY BUSINESS!! I WILL FILE SUITE AGAINST EXPERIAN AND THE CARD DEALER IF I HAVE TO!!
Inaccurate information being reported to credit agencies. Reported that account is 120 plus days late. Account was in good standing, now is paid in full. Multiple calls get no response.
XXXX XXXX XXXX XXXX secured me a loan thru LGM auto finance to purchase a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was given 2 different 30 day tags from XXXX XXXX XXXX because I could not get tags thru the ohio XXXX since the car I purchased still had not been registered with the state of ohio. Even tho it is suppose to be within 45 days I believe. I continued to male payments and try to work out tghe problem because I wanted the car. After making payments for about 6 months and not driving the car for about 4 months ( because the car was still not registered and I could not get tags ), I informed LGM I would no longer be making payments for the car until I could get tags and to discontinue automatic debit of my payments. LGM then ran {$100.00} dollar payments thru my checking account until they were unable to. Lgm then ran {$50.00} payments thru my checking account until they were unable to. After they were done running payments, I had {$3.00} and some change left in my account. I contacted my bank and stopped them from accessing my account again but could not recover the money. I had no money. Could not use my car. And eventually had to file bankruptcy to get out of the car loan. After the bankruptcy was discharged, the car was eventually repossessed. Since it has been repossessed on XX/XX/XXXX, my personal property inside the vehicle has been held for ransom. I have contacted LGM and XXXX XXXX multiple times to recover my property. Neither company will return my property unless I pay them {$50.00}. On XX/XX/XXXX I was sent an email from XXXX XXXX stating I have to pay {$50.00} for my personal items for storage. I contacted XXXX on XX/XX/XXXX, the same day the car was repossessed to pick up my items. I was told that day ( XX/XX/XXXX ) I had to pay {$50.00} to get my things. If I was allowed to retrieve my items on XX/XX/XXXX, there would have been no need for storage or a storage fee but I was denied access to my personal property.
Enhanced revovery has a claim against me on my credit report. I have only the following information : XXXX # XXXX XXXX XXXX. They are unresponsive.
MY HUSBAND AND I HAVE MADE PAYMENT ARRANGEMENTS WITH CREDIT ACCEPTANCE REGARDING OUR CAR LOAN ON XX/XX/XXXX. WE SPOKE WITH A SUPERVISOR AND EXPLAINED THAT DUE TO UNEXPECTED MEDICAL EXPENSES WE FELL BEHIND IN PAYMENTS. WE ARRANGED TO PAY {$470.00} ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. PAYMENTS FOR XX/XX/XXXX AND XX/XX/XXXX HAVE BEEN PAID. THE XX/XX/XXXX PAYMENT IS SCHEDULED. WE HAVE FOLLOWED THROUGH WITH OUR PROMISE TO PAY. WE ARE BOTH ON SOCIAL SECURITY XXXX AND PAYMENTS WERE SCHEDULED FOR THE DATES OF OUR CHECKS. WE HAVE CONTACTED CREDIT ACCEPTANCE AND SENT IN WRITING AND EMAIL TO CEASE AND DESIST FROM THEIR EXCESSIVE CALLING. IN 3 HOURS WE RECEIVED 11 CALLS. WE WERE TOLD THAT THERE ARE NO NOTES ON OUR ACCOUNT RE : PAYMENT ARRANGEMENTS. WE GAVE THE CUSTOMER SERVICE REP. THE CONFIRMATION # WE WERE GIVEN BY THE INITIAL SUPERVISOR WE MADE THE ARRANGEMENTS WITH. I FULLY UNDERSTAND THAT IF THE PAYMENTS WEREN'T MADE-THEY HAVE A RIGHT TO CALL US, BUT WE WERE TOLD THAT THE HARASSING CALLS WOULD STOP. THEY HAVEN'T. THEY CONTINUE TO CALL. PLEASE HELP.
Today I was charged {$210.00} in overdraft fees on my checking account ending in XXXX at Regions Bank. Regions Bank is an XXXX Company with facilities in XXXX where I live. I had a {$75.00} ACH withdrawal from a financial services company go through yesterday along with a bunch of pending transactions from this weekend. Because the {$75.00} funds were taking out first I have been charged overdraft fees on a bunch of smaller transactions. I spoke with someone from Regions and they informed that it is Regions policy to take out larger amounts first and then smaller amounts. Their justification for this was that " we wan na make sure your bills get paid so we take out the larger amounts first. '' I am not sure that this is a defensible position. Regions had made an arbitrary decision on what order to process their transactions in. It seems to me that Regions should be processing pending transactions for low balance accounts in the order that results in the lowest amount of overdraft fees for their customers. But even if Regions does n't want to take that position, which would be most favorable to their customers, then the transactions should at least be processed in the order that they were made. Had all of the smaller transactions gone through first and then the XXXX XXXX debit, I would only have been charged XXXX overdraft fee. The Regions representative I spoke with informed that I am not eligible to have these funds refunded because I have already had a refund of overdraft fees on this account. I am not requesting a refund of ALL overdraft fees, I am just requesting that the transactions be posted to the account in the order in which they were made. This would result in me only being charged for XXXX overdraft fee. I have done some research and it appears that this process of " reordering '' is happening throughout the banking industry.
I signed up for a wells fargo credit card with two promotions. A {$150.00} bonus after spending {$1000.00} in the first 3 months and a {$10.00} statement credit for using their mobile payment app with the card. 

I completed both and did not receive either bonus. When I contacted Wells Fargo about the matter they would not answer my question as to when the bonuses would be paid. 

I would like both promotions to be paid.
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Balance : {$1200.00} Original Creditor : XXXX
Incorrect Items. 

Hard Inquires that I did not authorize. I have reached out to different companies and Equifax have received no assistance. 

HARD INQUIRIES THAT ARE INCORRECT : EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT INFO : XXXX XXXX XXXX XXXX account XXXX XXXX is showing as account being closed but is actually open and active
On XXXX XXXX, 2016, I sent check number XXXX to OCWEN. The amount of the check was {$15000.00}. I also included a request for a pay off amount after the payment was applied. I contacted OCWEN on XXXX XXXX, 2016 to find out why the check had n't cleared my account. I was informed that the check would be returned since it was n't enough to pay off the loan. I asked for the payment to be applied to my account and I would request the pay off after it had. The customer service representative agreed to this request. As of today, the check still has n't cleared my account. I have submitted a screenshot of my checking account balance to show that the funds for this payment are available. I have had nothing but trouble with OCWEN since they took over the loan. I want my payment applied and a payoff amount sent.
I bought some furniture from XXXX furniture and I was about to pay the whole balance upfront as I had the money at that time. 
But the sales person insisted to open the credit card with zero interest for 12 months. So I have applied for the credit card. He has mentioned that I have to pay interest if I will not pay off the balance in 12 months. He did not tell that if I do n't pay the balance on the whole amount of the furniture. 

So I paid off {$2400.00} in 12 months and remaining balance was {$1000.00}. Now they have charged me interest charges of almost {$900.00} saying that its accrue interest on the whole balance. According to the customer service, that is written in terms and condition that accrue interest will be charged.However, when we opened the account sales guy did not mention a word about the accrue interest.
My ex partner XXXX XXXX XXXX used my social security number and made several purchases and inquiries on my credit. I have followed up with the creditors and nothing has happened to date. This is still on my credit reports and is affecting it negatively. There are several more collections and accounts that also do not belong to me that he made. I am currently disputing them also.
Experian is reporting that I have a past due balance with XXXX XXXX XXXX XXXX  for {$4900.00} which is incorrect. I have no past due balance this account is paid in full.
American Express cancelled our XXXX American Express credit card account, but did not disclose that we would lose the cash rebate we had earned. The week of XXXX/XXXX/16, my wife had called to cancel the American Express XXXX Credit Card. She was told by a customer service representative that we could apply our cash back rebate of about {$15.00} to our final bill or we could receive it as a check. My wife was not able to complete the transaction because she was not the name on the account. I called American Express on XXXX XXXX, 2016 to cancel the account. The representative cancelled the account before I asked about the cash back rebate. At that point in time she told me that the only way XXXX could get the cash back rebate was to enroll in the XXXX XXXX program for XXXX. The very reason we were cancelling the XXXX American Express is that we do n't want to enroll in the XXXX XXXX program and were told by American Express in order to not be automatically enrolled we had to cancel by XXXX XXXX. I spoke to a manager who confirmed this information. I told the manager that we had been told we could apply the cash back rebate to our bill and that American Express had not disclosed that we would lose the cash back rebate by cancelling the card. The manager informed me that American Express was opening an investigation and that I could call back and get information in 10 days.
Mr. Cooper is a brand name for Nationstar Mortgage LLC. Nationstar Mortgage LLC is doing business as Nationstar Mortgage LLC d/b/a Mr. Cooper. Mr. Cooper. I have a payoff quote issued by this company on XX/XX/18 that clearly states that the amount of {$60000.00} for the pay off was good through XX/XX/18. However, upon selling the property they told the titling company a completely different figure, {$61000.00} that was {$730.00} higher than this quote. They are refusing to honor their quote. Spoke to XXXX at the escalation department. Additionally, they claim that they may take up to 30 business days to process the payoff ; however, their quote has language stating that any over-payments will be disbursed no later than 20 business days.
I fell behind with my mortgage payments in XX/XX/XXXX because my income dropped 20 % and my expenses have increased- I have XXXX children that are attending college - I am trying to do my best to provide them the best education for their future- In XX/XX/XXXX I applied for loan modification however I was approved for trial. the trial agreement was not reasonable and unfair to my family - I was approved for XXXX & XXXX trial for {$2600.00} and XXXX trial was for {$44000.00} -I did n't accept the offer because we do n't have that kind of money - we are asking for help- I filed a complaint with attorney General against Wells Fargo- They notified the attorney general they would review the file once again to resubmit the financials. I resubmitted the financials but this time I hired an attorneyon XXXX I reapplied - I was denied because they do not have the contractual authority to modify your loan because of limitations in our servicing agreement for HAMP and HAMP Tier XXXX the investor is XXXX XXXX there was no mention about the standard modification - I am asking for your help because I strongly feel I am being treated unfairly by both Wells Fargo and XXXX XXXX I do n't want to lose my home and I am trying to find a solution to keep my house unfortunately Wells Fargo and XXXX do n't care
This morning at XXXX on XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP was added with an open date of XX/XX/2018. On XX/XX/2018 i received the same notification on my XXXX   credit report, upon receiving this notification i immediately contacted XXXX  and CFPB to dispute this Debt collection that did not belong to me and it was removed and deleted by Credit Management LP on XX/XX/2018 ****Copy of previous dispute on XXXX This morning XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP with an open date of XX/XX/2018. I did not open an account with CREDIT MANAGEMENT LP or any original creditor. The original creditor listed does not provide services in my city or state. This Debt was disputed and removed from XXXX approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company XXXX XXXX XXXXXXXX XXXX sold it to another collection company after it could not be validated. This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees. 

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Back in 2016 I had a lapse in car insurance, so Wells Fargo Auto Finance charged me a fee for implementing insurance on the vehicle. Because I was never contacted about the charge going in to effect, and the charge did not show up on their website, I kept making regular payments, not knowing that I was racking up huge charges for months of insurance that I did n't know that I had. 

At some point, I finally got past due notices threatening to repossess my car if I did n't contact them. I contacted them, and the representative said that it was an error, and it had been fixed. I made another regular payment minus the insurance amount. A month later I got another notice that my car could be repossessed if I did n't make payment. At this point the charges were over {$500.00} due immediately or risk repossession. 

I got the money together and made the huge payment. Fortunately I saved my car from being repossessed, but my credit was heavily damaged as part of the whole situation. 

I think this was done unlawfully.