WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, my brother XXXX XXXX went to XXXX XXXX with his ex wife. She was trying to purchase a car. The salesman ran her credit and said she was denied. So they asked XXXX how is your credit? He said I am not sure. They got his Id, information, and ran his credit and told him they can get him approved for a auto loan in his name only. They asked him about his income and if he had proof of income. XXXX got XXXX and get a SSI check for XXXX a month. His only source of income. After he helps out with the bills he barely has money for a haircut. He gets food stamps. If he was to get approved for a car it should have been a used car under 8000.00 and with a XXXX month car payment. XXXX is XXXX XXXX as well. He is XXXX. He was presented with a good deal as the salesman said. A brand new XXXX more money for the salesman ). XXXX XXXX XXXX. XXXX was financed for this car@XXXX month. No one considered a debt to ratio for his car payment. And XXXX a month for insurance. I research and called 2 attorneys and was advised XXXX never should have been approved for this car. His income should have been between 1500.00 to 2000.00 a month at least. But his is only XXXX a month. I believe he was taking advantage of because 1 he is a minority and they wanted to put him in debt. Knowingly his income was too low for a XXXX car payment. 2. He has a XXXX and XXXX. He probably didn't understand. We have tried to help him much as possible with these payments that never should of been approved. I don't know of anyone with a Income that low that gets approved for a brand new XXXX. I want XXXX XXXX and XXXX XXXX XXXX  to make this matter right. If not we will seek legal advice and a attorney representation. Hyundai has damaged XXXX credit with reporting negative on his credit report. We want this revised to show good standing. We also want XXXX XXXX and Hyundai to refund all monies. XXXX was so depressed after he got this car. Worried about paying for it and keeping it. He ca. XXXX XXXX due to XXXX XXXX from his XXXX XXXX from XXXX. He went in XX/XX/XXXX and got a job. Hoping to keep his payments current. Stressed and worried from all the rude and consistent threatening phone calls. He got a job .but been so stressed out about his car on his 3rd day on the job he had a XXXX. Multiple XXXX, he been to XXXX. And is now on XXXX XXXX XXXX. Both entities play a part in his failing health. He never should have been approved for this car loan with his income. Please see attached documents.
To whom it may concern, I am writing this letter to complain about services from Select Portfolio Servicing XXXX Inc. ( SPS ). They have been managing my load for the past couple of years and I have had a horrible experience with them. I have been asking the company to remove my home owner insurance from the escrow account since XXXX of 2014 and the failed to do so. I wrote letters and called many times and every time I heard a different and usually conflicting story. They deferred this request few times and never resolved the situation. Each time that I talked to a representative I heard a different story. It has been a frustrating experience for a simple request. I felt responsible to write this letter and complain so this type of behavior and services are prevented for other citizens. 
Thanks
I applied for a Loan Modification from Select Portfolio Servicing and submitted all requested before the end of XX/XX/2018.As soon as this was done I started to get calls from investors requesting to purchase my house.The only ones with knowledge of this phone number are my XXXX  brothers and Select Portfolio Servicing. When I brought this to SPS attention I was told that my case was closed because of failure to set up an inside XXXX.No one from SPS ever requested any XXXX from me.SPS told me I should be, home on XX/XX/2018 for this XXXX. On XX/XX/2018 no one came to do a BPO so I called the XXXX company who sent me an email saying that XXXX has cancelled the XXXX. I called SPS who confirmed that the XXXX was cancelled without informing me.
Wells Fargo has been contacting me to collect a payment for a private student loan I received when I attended XXXX XXXX University in XXXX XXXX, XXXX from XXXX to XXXX. I have discussed with debt collection reps that I am currently unemployed and can not make a payment at this time. I was able to defer my loan with in-school deferment while I attended University XXXX XXXX in XXXX to the end of XXXX for XXXX studies. But I am longer attending that school. I have applied to XXXX XXXX XXXX XXXX University and have been accepted for their XXXX XXXX XXXX XXXX Program for the XXXX XXXX. I will register for classes XXXX. I do not have any family members or friends who can help me make this payment or any payments for this loan. I have already asked family members to help me pay off my credit card debt and they are struggling to pay their own bills.
My complaint is about XXXX XXXX XXXX - collection agency recently form in NY. 
This is a debt collection Agency who refuses to give me a physical address. Instead, all they gave me was a XXXX XXXX XXXX 
Their tactics have included : falsely identifying themselves as a lawyers office or a mediation firm. Additionally, they have threatened arrest and stated that someone from the Sherriff 's office would be coming by to arrest at XXXX. 
Additionally, they have restated back personal information to identify that they know " what car XXXX drive '', etc. 
Additionally, they have spoken with other members about the debt other than an immediate spouse. 
I have today filed a CEASE and DESIST letter with the agency. 
I have today spoken to the original debtor -TD Bank XXXX who apparently sold the debt to another company and who apparently sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX. They state that they have begun to have complaints about this company and asked me to send them a copy of the Cease and Desist letter. 
The original debt was about {$150.00}. XXXX has asked as much as over {$1000.00} or threatened arrest. 
These people need to be shut down. 
I have contacted an attorney on a cursory level who informed me to submit a cease and desist letter.
I have been working with a financial counseling company on a debt management plan to pay off old credit card debts since 2013. I have been making payments faithfully for the past XXXX years and have not missed XXXX payment. I was getting excited because I thought I was getting close to paying the balance off. - only XXXX or XXXX more payments However, in the last month I noticed that my XXXX statement was updated with a new balance and showed that I still owe over {$800.00}. I followed up with the financial counseling company to see why this changed. They said they only recently got an update from Citi reflecting the new balance, but the balance was quite a bit larger. This concerned me so I checked my records, including my credit report. The highest balance on the card that was reported was {$5700.00}. I have paid {$5400.00} to this debt to date. This should leave me with a balance of {$310.00}. Citi is quoting the balance at {$810.00}. I asked the financial management company to contact Citi, which they did, but they could not get a sufficient answer as to the discrepancy and suggested to them that I call. I just got off the phone with a Citi recovery representative, who could NOT tell me where the discrepancy took place or why, and that their system showed {$810.00} as the remaining balance so that must be it. He did verify the beginning balance at {$5700.00}. He was providing me with information on only XXXX year 's worth of reports ( last year ), and told me he would have to request permission to get my reports from when the payment plan started, and I would have to call back in a week. This is unbelievably frustrating that no one can pinpoint where or why the balances are different. In addition, I have not been receiving ANY statements from Citibank, or the company that they apparently sold my debt to.
XX/XX/XXXX : My father received a call from a XXXX XXXX stating I needed to call her by the end of business, that it was urgent, urgent, urgent! She left a phone and case number.

XX/XX/XXXX : I called XXXX XXXX, she informed me that she needed to get some legal documents to me and asked me if i still lived at a previous address. When i said that i didnt live there she advised me to call XXXX and give them the case number. She stated she will hold off on delivery since i wasnt aware of the documents. I called and spoke to a XXXX XXXX ( XXXX XXXX ) who informed me this was an attempt to collect a debt from XX/XX/XXXX for a  mattress ( {$2700.00} ) I purchased and didn't finish paying. His tone was very forceful and after some going back and forth i agreed to a payment plan for the balance of {$930.00}. I gave my credit card info to process the down payment of {$39.00} on XX/XX/XXXX, which was drafted. At that time I thought a recurring auto draft for biweekly payments of {$39.00} was set up. After the payment was processed, the call was ended. I called back to obtain a letter or anything with the agreement as well as to thank him for his patience and working with me and he said he would send an e-mail. E-mail was sent and received. The next payment was due XX/XX/XXXX, but did not draft from my account. I intended to call them to find out why the payment wasn't taken out.

XX/XX/XXXX : My coworker rcvd a call from XXXX XXXX. When I got on the phone he said he was calling regarding the arrangements i had with his office, i immediately recognized his voice and asked if i could call him on my personal cell phone. He provided the XXXX number and i called about 15 minutes later, nobody answered the phone. I called several more times, got a voicemail once and left my information for a call back. ( Mind you this was not XXXX XXXX 's voicemail ) I called twice more and on one occasion it went directly to hold music. After holding for several min. someone picked the line and hung up. I called back and the same thing happened. After that i began to be suspicious and researched " XXXX XXXX '' and JTM Capital Management , LLC. After finding many complaints about this company, I feel like i have been scammed. The debt is very old and may have already come off my credit report so I don't think I need to pay these people.

XX/XX/XXXX XXXX - Called the number again and a XXXX XXXX answered. I only wanted to find out if XXXX XXXX would answer. After printing the letter that was e-mailed to me, it has my old address, which most creditors would have asked for the correct updated information. The letter does not even look official, fonts are different as well as some basic punctuation missing.
Bank of America Credit Card Account number ending in : XXXX  Bank of America Case number : XXXX Dispute charges {$97.00} and {$98.00} I ordered a sample of XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$3.00} & {$4.00}, respectively, on XX/XX/XXXX online. But I recived XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not the same brand ( XXXX ) on the Ad. Please see the attached picture.
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This company is not selling XXXX product. Please see the XXXX website : XXXX XXXX XXXX XXXX XXXX is selling for {$19.00} in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife tried the two samples for a few days and she found that they are no good ; they make her skin too dry and tight. So, I called them and cancelled the orders at ( XXXX ) XXXX on XX/XX/XXXX and their customer service rep confirmed that my order was cancelled but she didnt give me any cancellation confirmation numbers.
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Their ad mentioned that I could cancel this order within 14 days after I received it and tried it. This is an online order but they didnt provide any way to cancel this order online and could only cancel via telephone. It took over 30 minutes to talk to their customer representative.
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After the cancellation, one month later I found that there were two charges, in the amount of {$97.00} & {$98.00} on my Bank of America credit card bill. I called them again to protest the said two charges but their representative informed me that my account had already been cancelled and refused to provide a return authorization and return address.
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So, I claimed the dispute of charges and called Bank of America to stop the charges because the items were not the same as the online ad. Also, I had already cancelled my future shipment within 14 days after the first shipment. They also didnt provide any terms and conditions when ordering the items nor in the shipment and no information on how to return the merchandise and receive a return authorization and did not provide a return address.
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Bank of America promised to investigate this issue, but Bank of America failed and refused to resolve this issue and charged {$97.00} & {$98.00} without investigation.
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Please take care of this dispute and get a refund for {$97.00} & XXXX. I look forward to a quick action.
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Thank you.
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Sincerely yours, XXXX XXXX
I have been wrongfully charged overdraft fees from PNC Bank, and this is not the first time. I enclosed my latest checking account statement ( dated XX/XX/XXXX ) and numbered each line to help explain my complaint. 
Line : 1 & 2 -Two overdraft fees already posted for XX/XX/XXXX. ( Not Pending ). Balance before this debit {$520.00}. 
Line : 6 - Debit for {$22.00} dated XX/XX/XXXX. Deducted last instead of the debits occuring on XX/XX/XXXX. 
Line : 3, 4, & 5 - These three XX/XX/XXXX debits ( still pending XXXX should have been deducted from my account after the XX/XX/XXXX debit allowing for only one NSF fee. 

Calling PNC Bank was a waste of time. I explained the situation, however, I did not receive a legit answer or refund of my NSF for their mistake. This bank seems to look for reasons to charge these fees.
This company fraudulantly posted a collections account on all three of my credit reports. I do not who this company is, and, did not give them ANY permission, nor did they aquire my signature to post information on my credit report. Under The Fair Credit Debt Pactices Act, and, The Fair Credit Reporting Act. This is fraud.
I was unable to view the truth in lending disclosure until after loan had been processed and funds delivered to my account. I was not informed of the 473.733 % interest charge. To date Ive paid {$1700.00} to date for interest on a {$1600.00} loan. Ive only paid {$140.00} towards the principal. And Ive only made 9 of the 26 installments to this company.
XXXX XXXX XXXX has been sending me collection letters saying that I owe them a debt for XXXX XXXX. I've already disputed the account with the credit bureau. The only response I get from XXXX XXXX XXXX is a letter saying " We are uncertain of what you are specifically disputing ''. The certified that I've sent to the bureaus SPECIFICALLY state that I am disputing this account because it is NOT MINE. They are also reporting an address that I have never lived at. This company has done a poor job of handling this dispute. 

They sent me two letters saying that I owe {$410.00} for XXXXXXXX XXXX and {$1000.00} to the same bank. I've never had a credit or bank account with them. 

I've attached the letters that they've sent me.
XX/XX/18 I woke up to an alert ; my credit score dropped 50 points. I went to look and it was chase credit card. Im on there repayment program. Ive been on it for years and never had a problem. When I talked to them they claimed they called and sent a letter about continuing with the program. I dont have one single voicemail from chase. Also, I never received a letter from them. They say they didnt get any return mail but that doesnt mean anything. Ive been working for over 20 years in XXXX and Ive seen payments that were supposedly mailed out. Yes, the payment was actually mailed out when they told us and showed up months later. No one knows what happens once mail leaves our hands. Plus, we all seen what some postal workers do with mail they need to deliver. Im not saying that they didn't mail out a letter but just because there was no return doesnt mean I received it. Mail gets coded wrong all the time by the post office and ends up some where else. You would think people would put the wrong mail right back in the mail to be delivered correctly but this doesnt happen all the time. Mail also gets stuck in postal machines in the post office. There is many things that can happen. Also, why didnt they leave a voice message? I would had called back for this is my credit we are talking about. Also, for Chase to tell me it was up to the customer to call back every 12 months to continue the program is not true. Ive always received phone calls from Chase asking if I wanted to continue. 
Ive paid this account in full after trying to talk to them. 
I need Chase to be fair and take things into consideration. I need that late payment taken off my reports.
I applied for a home mortgage and everything was approved so we started looking at houses. We put in one offer but wasnt accepted. We found another house and went to put in a offer on it and i was told by my mortgage company that they lost the approval and could not get it back. Thdey told me they dont know what happened and could not figure it out. I have been waiting 2 days to hear from them and have not heard anything from them at all.
This phone number XXXX has been reported and I filed several complaints. I have listed on the do not call registry. The call is from XXXX and complains that I owe amazon store card. If you ca n't fix this please give my another department to get this to stop. They call all times of the day and night. XXXX XXXX
I had a credit card account that charged off, and I later paid it via the collection company. It was XXXX early XX/XX/XXXX. Experian erroneously reported XXXX day late status for XXXX and XXXX, on the original old/closed tradeline XXXX XXXX XXXX ). This caused my score to dip nearly XXXX points. I disputed this XXXX times. XXXX in writing, XXXX online. Each time to no avail. I want the account to show paid/closed, and with no new negative information in XX/XX/XXXX as this account charged off in XX/XX/XXXX. The XXXX months of late payments in XX/XX/XXXX need to be removed. ( see attached dispute letters detailing the status and history )
Calling my son XXXX Trying to collect a debt that is mine and not his.. When i called to confront them, they would not provide my complete address. I will not give them ANY information. They are contacting me..
On XX/XX/2018, XXXX XXXX XXXX XXXX pulled my Credit without my knowledge of it going against my credit as an affect against my score. I didnt know opening a account would affect my credit
XXXX, Experian and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove numerous fraudulent/unauthorized inquiries from my credit reports.
On XX/XX/2018 Citibank charged me an overdraft followed the monthly service fee. However this is different from what mentioned in the card member agreement. 

" Our overdraft fee is {$35.00} per item whether the overdraft is by check, ATM withdrawal, debit card transaction. You will be charged no more than three ( 3 ) overdraft and insufficient funds fees per day for Consumer accounts. " Definitely, monthly fee does not belongs to check, ATM withdrawal, debit card transaction. Moreover, I have never opt in overdraft protection and the overdraft fees ( As the attached files ) should not be charged. 

I talked with the citibank banker before, they said they can not waive the fees for me.
My credit score randomly dropped XXXX points after a dispute was resolved in MY favor for a credit account of mine. I called XXXX to inquire about why my score had dropped so drastically, only to be transferred at least 5 times and have each representative give me their " bogus '' version of what may have happened. FINALLY the last representative informed me that my credit card account ( whose dispute was just resolved ) was now showing up as a REAL ESTATE account instead of a CREDIT/CHARGE account. When I asked if the error could be fixed since was in the underwriting stage of getting a home, they refused and told me to take it up with the creditor. I am extremely upset and still filed the dispute with both XXXX and the creditor. I did not have this issue on any other credit report and now I am out of my dream house because of this inaccurate info that I STILL have n't heard anything back about. Simple and obvious errors SHOULD NOT take 60-90 days to correct and I am EXTREMELY dissatisfied with the customer service that was provided as the majority of the individuals that I spoke with on the phone lacked both knowledge about the reporting process itself as well as the ability to understand their customer 's concerns.
I was out of the countries for 14 months while I was gone my chase freedom card along with 2 other cards were being used In Florida when I was in the XXXX XXXX. I came home to letters from chase and saying I owe almost 11k I didnt even use my card I filed many complaints with including letters and fraud no one has done nothing
I have a 2 hard inquiries both from XXXX that I did not do : XX/XX/2016 XX/XX/2016 I spoke to them about it and they confirmed on the call that I was not the person who tried to open these accounts. I notified the credit reporting bureaus but they are still showing up on my credit report. I would like to have both these hard inquiries. removed.
The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report including all Inquiries. I have no knowledge of the information reported on my report XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Unsecured Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$40000.00} Balance Updated XX/XX/XXXX Original Balance {$40000.00} Monthly Payment {$970.00} Past Due Amount - Highest Balance - Terms 60 Months Responsibility Joint Account Your Statement - XXXX/XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 71 % Balance {$4200.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving Responsibility Authorized User Your Statement - Comments - XXXX & XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 92 % Balance {$11000.00} Balance Updated XX/XX/XXXX Credit Limit {$12000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$11000.00} Terms Revolving Responsibility Individual Your Statement - Comments -