WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing a complaint with this credit card issuer in regards to XXXX of my accounts with them which are as follows : JCPenney, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Walmart Store Card, XXXX MasterCard. All of these accounts were frozen by this credit card company. After I called in to see what was goin on, they told me that their " Fraud Department '' wanted to verify my identity and would be sending me some forms but would NOT tell me which kind. Being a good citizen and honored veteran, this situation made me feel nervous so I wrote a letter and emailed it to the CEO 's office ( XXXX XXXX ). I received a phone call from XXXX and she explained that they wanted me to complete a XXXX form to verify my income. I advised that I am a XXXX Veteran and that my income is Tax Exempt and I do NOT file a tax return and therefor could NOT complete this form. She assured me that I could provide an alternative means to complete this task and that someone would be contacting me. I did receive a call from XXXX XXXX who said he works in the " FRAUD DEPARTMENT '' and needed this XXXX form to verify my identity. I offered to send my Passport, Military ID, etc to provide such proof and he later explained that no actually they just want to verify my income. I explained that my income was tax exempt and that I could provide him with the " VA Awards Letter '' which provides proof of my income that all MORTGAGE LENDERS, AUTO LOAN COMPANIES, CREDIT UNION 'S, PROPERTY LEASING AGENT 'S, accept as final proof of income, pretty much everyone EXCEPT for this credit card issuer. I was told that unless I signed this stupid tax transcript request form that all of my accounts would be closed and that there was nothing I can do. So I am only left to assume that I am being unfairly harassed. Perhaps they have a problem with XXXX people or XXXX veterans and it is their way of discriminating against us. I have had the privilege to meet XXXX XXXX our great Attorney General of Florida as well as my State Senator XXXX XXXX and I am very sure they would not be happy about being harassed by this company for NO APPARENT REASON! I would like them to end this ridiculous game they are playing with me and unfreeze all of these accounts which by the way all have XXXX balances and when I use them I pay them in full each month like a responsible person should or allow me to only send them my " VA AWARDS LETTER '' like any normal LENDOR would accept and end this game that way. If this issue is NOT resolved, I promise that I will spend every minute of my day informing Veteran Service Organization 's, Media Outlets, Local News Channels, Cable News Channels, Print Media, Social Media, etc. of how a " War Hero '' was harassed by this Company and I will make it my mission in life to make sure that this type of behavior never has to be tolerated by a Service Connected XXXX Veteran again! Thank You
Opened a Military Star card in early XXXX. Lost my job XX/XX/XXXX could no longer make payments by early XXXX. Company was charging 2 % interest on uniforms and 12 % interest on all other purchases. Company charged-off balance of {$6600.00} in XX/XX/XXXX. Last charge/usage was XX/XX/XXXX. Account turned over to a collection agency XX/XX/XXXX, XXXX XXXX XXXX. Star card added collection costs to the balance and has continued to accrue interest, now at a much higher rate, since charging it off. I was out of work for 18 months and could n't make payments. In XX/XX/XXXX, I made a payment of {$100.00}. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, they confiscated my Federal income tax refunds of {$540.00}, {$150.00} and {$230.00} respectively. I had an attorney make a request in XX/XX/XXXX for a copy of my original contract. Last week I received documents from them that were incomplete and would not be considered " the contract ''. My attorney says she has not been provided enough information by them to know my standing on this matter. She has found the " Military Exchange '' ( Military Star Card ), to be generally unresponsive. She sent a request to settle on XX/XX/XXXX, in the amount of {$6000.00}, which she still has not received a response. I believe that the interest that is being charged ( accrued ) is not legally permissible. They now claim that as of XX/XX/XXXX, I owe {$10000.00}. There is a three year statute of limitations for this type of debt. This limitation expires XX/XX/XXXX. They claim that I made a voluntary payment in XX/XX/XXXX. I did not. They confiscated my Federal income tax refund.
On XXXX XXXX, 2017, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.
On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX of XXXX XXXX to apply for a car loan. XXXX XXXX XXXX hard inquiry is of my knowledge. The salesman at XXXX dealership said he was going to get me approved at XXXX XXXX which he did. So that inquiry is valid XXXX XXXX   XXXX XXXX XXXX XXXX But all these inquires below are not valid and I didn't give permission. These below inquires should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
I called them many times about fraud on my credit report and they still refuse to take those inquiries of my credit than I have an account on my credit report does n't belong to me got a letter from them ( Montgomery wards ) stating that they could not identify the account in dispute and XXXX is still not removing it from my report even I have a letter from the account stating that they can not identify the information on the account
To Whom it May Concern, I applied for a Mortgage Loan, knowing that I am 100 % qualified and thought I have XXXX credit score. When the loan officer pulled up my credit and said that my credit score is XXXX, I was shocked. I paid all my bills on time, never was late with any payments in my life, pay credit cards in full every month and paid my currant mortgage down 80 % within 2 years. HOW THAT is even possible? JCPenney reported Charged OFF account of {$2500.00} that I have no clue about. I have an active account with JCPenney with {$0.00} balance and {$1000.00} credit limit. I called the customer service probably 10 times already and it does n't get me anywhere where I need to be. First of all customer service representatives could n't see any charge off accounts and their managers refused to take the calls and did n't want to be responsible for any actions, they refused to connect me to anybody. Finally after 2 days of trying, they said they will send me the dispute letter within 7 business days, some representative transferred me to the Fraud department to file Fraud ( XX/XX/XXXX ). They provided me with a fraud case # XXXX. I called today XX/XX/XXXX-a week later, nothing has been updated, no info, no progress, no dispute letter that they suppose to mail. Nobody should ever be in this situation, this is stressing me out, it is financially hurting my ability to buy a new home for my family and JCPenney does n't take serious responsibility for anything. Please help me to resolve this issue. 
Best Regards,
The current hack of XXXX has exposed mine, and many, many other citizens to potential identity theft. Due to XXXX, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.
I write to file a complaint against Equifax for their failure to provide ( as required by law ) a free credit report in XXXX. 

I requested my free credit report from Equifax on XX/XX/XXXX. 

I used the toll-free phone number to make the request ( XXXX ). 

I did not receive my report. I called Equifax on XX/XX/XXXX and I was told that they never received any request for my credit report. 

As I have used the toll-free number to request my free credit reports from the other services ( XXXX  and XXXX  ) without experiencing any problems, I believe that Equifax is being less than forthcoming with regard to their failure to provide me the required free annual credit report. 

This is the second year that Equifax has failed to provide me with my free annual credit report as required by law. 

I file this complaint with the hope that the CFPB will ensure that US Law is enforced and that Equifax follows the law to the letter.
I came across this bill on my credit report from XXXX XXXX. I have never lived in the state where the bill was created. I told the company that the bill is not mine and they told me to get a police report. I tried to get one, but the police station near me told me that they do not give police report for such a thing. I am stumped do n't know what to do next. How else can I get such a bill off of my credit report?
I want to sumbit a complaint against Navient. I have been paying on my loan for years at XXXX a month with no end in sight. They just raised my rate to 7 % and when I called for help they told me there is nothing they could do for me, would not tell me how high they can raise my rate or how often, they said the only way I can help myself is by paying off the XXXX loan I have with them. They are criminals. They are the worst company and I do n't know how they get away with doing this to people.
I disputed XXXX negative items on my credit and XXXX of the items I only disputed the late payments on. Instead of investigating the late payments, TransUnion removed the entire account when that was NOT what I had asked for. In addition to that, when I asked for them to reinsert the accounts, my letters were ignored. This is my XXXX letter that i am sending them. Not only that but XXXX account was disputed in error on my end and they removed it. Once I let them know about the error, they did not reinsert the account and refused to respond to my correspondence or reinsert the item.
I believe the debt not to be mine as the apartment manager claimed I could move out and as long as they re-rented the apartment there would no problem. I know they quickly re-rented it. Yet they are trying to collect {$3000.00} on damages? How do they come up with that number. They say after insurance I owe {$750.00}. Plus a XXXX collection for {$3900.00}. Its all fee 's. 
I was medically ordered to move from the location, I have a doctors note as well as my personal statement attached.
I applied for assistance in saving my home from foreclosure. I hired an attorney who submitted my full complete financial information package to my lender Wells Fargo Home Mortgage on XXXX XXXX, XXXX. Wells Fargo refused to review me for assistance and since that date has refused to accept my application. Now they have filed a Notice of Default and I am in the process of being foreclosed. They have put my account with their re-entry team who said that there is no change in my circumstance and they will not officially review my application. I am told by my attorney that RESPA Regulation X requires my lender to review my full and complete financial application as long as it is received more than 37 days prior to a sale date. It was full and complete and no foreclosure was started at that date. My attorney asked Wells Fargo Home Mortgage for a denial letter stemming from my application submitted on XXXX XXXX, XXXX and they said there is no denial letter because there was no review. Today my attorney called Wells Fargo Home Mortgage and asked them what was the date of the last review done on my mortgage for assistance and they replied XXXX XXXX, XXXX. This is completely unfair and I believe illegal for Wells Fargo Home Mortgage to evade reviewing me for assistance. I was denied XX/XX/XXXX due to missing paperwork. ( See attached letter from last review ) My attorney worked very hard in XXXX XXXX to clear up all of that missing paperwork and Wells Fargo still simply refuses to actually review my case and issue me a finding like they did on XXXX XXXX, XXXX. My attorney states Wells Fargo is doing this because I now have some equity in my home and they simply want to foreclose me without giving me the chance to save my home. Wells Fargo Home Mortgage thinks they are above the law by creating the re-entry team who 's sole job is to evade reviewing home owners for assistance in saving their home. The re-entry team does not issue the 5 day letter confirming they have the financial application, they do not review it in the 30 days required by RESPA Reg X and they do not issue a decision. They simply verbally tell you they wo n't review the file. My attorney finally got Wells Fargo Home Mortgage to issue a letter stating this on XXXX XXXX, XXXX ( Attached ). However, other than that letter I have never recieved any correspondence from Wells Fargo Home Mortgage regaring my application which was submitted on XXXX/XXXX/XXXX and confirmed received by Wells Fargo Home Mortgage on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my attorney spoke with Wells Fargo Home Mortgage and they verbally told them that they are refusing to review the application and no letters or findings will be issued in writing.
I keep receiving multiple phone calls from this group at short intervals, very vague on details other than stating I have a legal complaint filed against me. They can " make '' it go away. I stated to stop calling me ... they call me more ... and stated to send letter stating details via USPS mail ... stated they dont work that way. They are also harassing my children via phone who live at different addresses. Stated they know my age and last XXXX digits of ss number.
Last year around XXXX i went to Car Hop. A Buy here Pay here car lot. they told me i could put any amount of money down and drive off with any of the selected cars i was approved for. They did not tell me the price until i signed the papers. at the time i was in desperate need because i had to get back and forth to work and school. i did n't have any help but never wanted to put myself in a fix. And at the time i was only XXXX. But i ended up picking an SUV i found interest in. I asked the price but they ignored the question. so i just followed through because i was just excited that i got approved. After i signed the papers i asked the price again and they ended up telling me it was {$8000.00} almost {$9000.00}.! but at that point i could n't bag out because i already signed paper work. If they would have to me the price when i first asked i would n't have ever purchased a 2003 XXXX for that price. so that 's the first way Car Hop had gotten over on me. Second i 've had complications with this SUV since i first got it. the altinator always go out, the tires always blowing up and i put my life in jeopardy driving on the highway because of this. I 've put more money into this car than anything! Last, now since they 're closed down ( and the car is down now as i speak ), im trying to get another car but i ca n't. Everything car lot tell me that Car Hop put me in a bad position because first they put A LOT of interest on the car plus they over charged me, plus they messed up my credit. Im only XXXX and cant get nothing because of the broken SUV that 's on my name. Every car lot tells i would have to get a second loan or they will have to add the rest of the SUV onto my new car ( making my new car note $ XXXX {$500.00} ) and i feel its just unfair. i need to get this car off my name. I need money or for Car Hop to get this car off my name. I 've been patient for so long but its got to a point where it 's ruining my life!! im only a college student with a full time job. I cant get anything or get approved for anything in my name because of an over charged car with high interest from Car Hop!
I tried to close my account and they told me they would turn me in the credit bureau.  XXXX   2017ask f or for
In XXXX 2017 I was alerted by one of my credit monitoring programs that some new information had been added to my credit reports. When I logged onto the website, it showed that a collection account had been added by a company named XXXX XXXX in the amount of {$1800.00}. I immediately disputed this with all 3 credit buearu 's online and both XXXX and XXXX  deleted the account. Experian claimed they had verified the account. I spoke to customer service and asked them to provide me with documentation on how they verified the account according to FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ". The representative stated that there was no law and they did not have to provide me with anything but he would enter in another dispute. The second dispute came back as being able to verify the account again. I contacted Experian and spoke to a representative and informed her of the situation and she agreed to enter another dispute and gave me the website address to upload documents to prove I paid the debt. I did this and waited. After a week or so, I was sent a letter stating the debt again had been verified and they will not delete the account. After that, I filed a complaint with the BBB and a representative from Experian named XXXX XXXX sent me a letter stating she that the account in question did not show on my credit report and she would be investigating the matter further. I tried contacting XXXX XXXX multiple times and she does not answer the telephone and I have left numerous messages. I have provided proof that this debt was paid in full ( I actually overpaid ) via copy of my grandmother 's credit card statement and Experian refuses to delete this account from my credit report. I have been denied credit based on this and my next step is to file a small claims action in order to get Experian to do the right thing and fix their mistake.
I attended The University XXXX XXXX in XXXX, Montana from XX/XX/XXXX-XX/XX/XXXX ( received an associate 's degree ). My father cosigned on a loan for {$10000.00} with XXXX, who sold my loan to American Education Services. My father passed away suddenly and tragically on XX/XX/XXXX. AES notified me promptly ( we 're talking within 48 hours of my father dying- I was not allowed a grieving period whatsoever ) that my loan is now due back in full and immediately. I suppose I should have done my research and known that in the sudden case of my father 's XXXX this would happen ( silly me for not planning ahead for such a tragedy ), but AES wo n't even allow me to adjust my payment amounts. My father had set up the payments to work with his income as an accountant. Now I, fresh out of school and working with a $ XXXX yearly income, have to make payments in the amount that was fair for a $ XX/XX/XXXX income. I have exhausted forbearance, income-based payments, and every other option that would allow me to make affordable payments. Starting in 2 months I have no more options but to pay more than I can afford to these loans, all because they wo n't allow me to re-finance based on my personal income.
This " compamy '' Rent Recovery Solutions is trying to collect a debt on an apartment that has gone out of business, I made the necessary agreements with the apartment before i moved to close out my payments because my mother passed away and I had to move out, so they honored my situation. Fast forward and this place is still harassing me trying to get a payment as well as reporting false information on my credit report for a business no longer around
FedLoan Servicing ( run by the Pennsylvania Higher Education Assistance Agency ) has repeatedly put my loans into forbearance due to their inability to properly process paperwork and unreasonably extended the amount of time until I am eligible for Public Service Loan Forgiveness ( PSLF ) by 9 months. 

I graduated with roughly {$150000.00} in federal student loans ( all XXXX XXXX, XXXX and XXXX XXXX XXXX in XXXX and began payments in XXXX XXXX. My loans were first with XXXX XXXX XXXX XXXX and were then transferred to XXXX XXXX. 

I submitted my first PSLF certification paperwork in XXXX and my loans were transferred from XXXX XXXX to FedLoan in XXXX XXXX. For some reason, despite the fact that my Income Based Repayment ( IBR ) plan was valid until XXXX XXXX, FedLoan put me in the XXXX XXXX plan. When I called to get this fixed, they said they saw that I was on the IBR plan at XXXX XXXX and it should have transferred, but they would put my loans into forbearance while they tried to work this issue out ( and failed to mention that would mean those months would not count towards PSLF ). After about 4-5 months, they finally acknowledged I should be in IBR and payments resumed. 

In early XXXX, when I later transferred from the IBR plan to the Pay As You Earn repayment plan, they took several months to process this paperwork and again placed me in forbearance during this time. No one mentioned the impact this would have on PSLF. 

When I checked on my account recently and saw the estimated PSLF eligibility date was now XXXX XXXX when it should have been XXXX XXXX, I called them for an explanation. The customer service rep stated that because I was placed in forbearance during those two incidents for a total of nine months, I lost nine months of eligibility. When I explained that the only reason I was put in forbearance was because FedLoan had failed to properly process documents both times, the service rep stated that there was nothing that could be done and that the PSLF rules simply state any forbearance periods do not count towards eligibility. They did not offer any solution and refused to credit me some of the months that were due to their own processing problems. 

I think it is wrong that the consumer is punished for problems the loan servicer has in processing paperwork in a timely manner. I could understand losing a month or two ( and likely would n't have written in ), but 9 months represents a significant portion of time added to my loan repayment plan. I noticed that the Massachusetts Attorney General filed a complaint regarding this very issue, and that the CFPB has already received many complaints along this line, but wanted to add my voice to the chorus to help drive home how often FedLoan is doing this to consumers.
On XX/XX/2017 I made a purchase at the XXXX XXXX XXXX convenience store. I purchased a few candy bars and a book. I watched the items being rung up at the POS terminal and saw that the amount was XXXX pesos, which I have the receipt for. When the sales person entered the amount on the credit card terminal I signed the pad and walked away with my receipt from the store. When we received our Chase statement in the mail we realized that although the charge on the register was XXXX pesos, our credit card was charged XXXX pesos. We contacted the credit card company and filed a dispute. The shop in XXXX provided my signed copy of the credit card receipt but not my itemized receipt. Chase has sided with the merchant whose business is now closed. They are unwilling to acknowledge in anyway that the merchant keyed in the amount incorrectly, and possibly fraudulently. Chase is telling me that the only recourse I have is to reopen the dispute. They are very unwilling to resolve the problem or listen to me. I feel that the merchant is being protected and I have no rights or recourse with Chase bank.