WillisBack/dataset-financial-user-claim huggingface dataset:
I entered into a contract with XXXX XXXX to design and install a new kitchen in my home. The contract was signed on XXXX XXXX. The contract states I pay 50 % of the contract price at that time, which I did. Contract further stated I had agreed to the design drawn by this company. Which I had. XXXX agreed the cabinets would be installed by the end of XXXX. The designer kept making changes to the design. My husband did initial off on those changes. All changes were made by the deigned. 
Then I received a call from XXXX stating my cabinets were ready to be installed but I would need to pay the balance. So I went and paid them the final XXXX. The installers arrived on XXXX XXXX to install the kitchen. It was apparent the cabinets would not fit the space. I immediately contacted XXXX and they said the designer would be out to see what had happened. After her visiting we found out the dishwasher purchased from this company would not fit, the oven would not hold a cookie sheet, the vent fan was inoperable. The countertops ( suppose to be stone ) was XXXX. I notified XXXX and requested many meetings but last minute they would cancel. 
I notified my credit card company XXXX XXXX of the product not being the quality I had agreed to. I did this by telephone and online. They started the investigation XXXX XXXX, 2015. I corresponded with XXXX XXXX many times via mail, email and telephones. She assured me she would take a look at the pictures and all my statements and then send me something in writing. 

XXXX, I received an email stating my Chase statement was ready for viewing. You can imagine my reaction when I found on XXXX XXXX the had put this back on my account. I called them immediately and was told by the agent that I should have received a letter prior to this being done. I asked him if it meant Chase agreed with the merchant. He stead he did not know but advised to file a re dispute on this charge which I did that day. 
This merchant at the moment has an oven, a dishwasher cabinet inserts plus the charges for installing these items. We have requested XXXX to pickup the countertops and the vent hood. 

I believe Chase did not make the correct decision. Also, I do not believe they handled everything in the time allowed for a dispute. I have been a client of theirs for many years. And would expect them to give me the curtesy of advising me of their decision prior to putting it back on my account. 

I will be happy to send you all the documents, pictures and emails sent to XXXX and to Chase. These noticed began XXXX and rare continuing
I do not know what this debt is therefore I attempted to have company remove but that was not successful.
XXXX has repeatedly contacted me regarding this loan account and subsequently reported me as in collections to all of the major credit bureaus. I do not have any responsibility for the debt that XXXX is trying to collect and I dispute its validity. XXXX XXXX ( loan originator ) provided a promissory note that dictates that default occurs once the " Borrower does not make any payment before or on the date it is due - according to their documentation the loan in question defaulted in late 2010. As the promissory cites Pennsylvania as its governing law, which has a 4-year statute of limitation on debt, this loan is unenforceable and XXXX has engaged in unfair collection practices.
I told the representative I rather mail in payments and they told me they could removed my banking information and I told them to cease all verbal communication only mail and they refused to remove all numbers
Dear Madame/Sir, Today I received a reply re : my case XXXX against Citibank. The reply was " working on my issue '' and " I should hear from them in 60 days ''. Are you kidding! Citibank received my payments in a timely manner and cashed the checks, sent them to my credit card account that they ACH the XXXX of each month, accused me of lying the payments were never sent, and after involving my Congressman reneged on the XXXX/XXXX/XXXX response and sent my account to XXXX collection agencies. 

Why 60 days? Ha, ha, just another stall tactic. A settlement agreement was made in XXXX XXXX re : the account. Sixty days will be almost be a year when the settlemet agreement was made with me. The account was suppose to be satisfied in XXXX XXXX. The account should be closed not " settle '' for illegal practices by Citibank. I would like for this charade to be over, Now!
Hello, Transunion is reporting information in error via my consumer reports as follows and it has not been resolved : 1. XXXX XXXX XXXX, Current and paid as agreed XXXX. XXXX, {$240.00}, Paid directly to hospital ( XXXX XXXX XXXX ) and to be removed as error per XXXX in Billing.
I took this loan XX/XX/2015. To bein with it is already predatory at 22.5 % interest over 6 years. But i did accept it. I negligently have not been monitoring my loan balance. I realized after 2 1/2 years I have paid {$310.00} of prinicpal. Based on the amoritzation schedule I should be around {$12000.00}. They say interest on late payments has accured. This was not disclosed or explained. Its insane! I am being robed.
a letter was sent to my job to start taking money out my pay from adept collecter all i know its from 1998 i never receive any court papers to apear.
Dear United States Department of Education, I am writing this letter to dispute the validity of the account and of thereby of the said debt regarding reference # XXXX. I never knowingly signed any document in order to take out the foresaid loan and wish to have this cleared from my name. If any loan was taken out in my name, it is fraudulent and I didnt give permission for this to take place. I should not be responsible to repay this debt or any interest or fees or any collection costs that has come about due to the fact that this is fraudulent activity using my name! I am requesting information of how to dispute this fraudulent deed. Thank you in advance for your time. I can be reached by email at XXXX or at XXXX XXXX. 

Thank you, XXXX XXXX
I lost my job due to an accident on XX/XX/2016 and i was unable to return to work until XX/XX/2016. I am back at work and i need some assistance getting back on track ... i make less money but i can still afford my mortgage ... please help me keep my 1 and only home
Dear Sir, as an XXXX who legally leaves in XXXX Ohio since XXXX, I feel very frustrated today by the fact that a bank and a car dealer company, Credit Acceptance and XXXX have made me sign an agreement to finance my car. Initially, the car was around 12,000 . Because my credit was bad by then ( I was not familiar at all with the credit score in XXXX, having been here for only 2 years ), I made a deposit of XXXX XXXX Credit Acceptance financed the vehicle for me, a XXXX. I have been regularly paying XXXX $ every month for the past 2 years. When I checked with Credit acceptance how much I still owe after paying XXXX, I found that I still need to pay XXXX XXXX I realized that they made me sign an agreement to pay a total of almost 25,000 for a XXXX car initially sold for XXXX. I believe that they have abused me, and they did not treat me fairly. Banks although making profit must have a minimum of moral to avoid behaving like crooks who abuse innocent victims who are not familiar with the financial system. Please talk to Credit Acceptance, ask them how they made me sign these document and what are the criteria that made them put so high the price of an old car in spite of my effort to down deposit XXXX. My name is XXXX. my phone number is XXXX, and my e-mail adress is : XXXX. Please help me, I and my wife are making a very low salary, and are victim of a joint crooking service of XXXX XXXX in XXXX Ohio and Credit Acceptance. Thank you for contacting me as soon as possible, for more details. Thanks Good bless. Kalifa
I would like to file a complain against XXXX who provided me a TV/internet service in XX/XX/XXXX. They are collecting me XXXX dollar amount for the payment of the equipment that they use for the service. All this equipment was mailed back to them after the service was terminated. i disputed this already with their company in XX/XX/XXXX when I question them this amount. I even spoke to the supervisor and they said they will correct it on their end. I can not provide the mail receipt of this claim since its been a long time.But the collection company Trident Asset Company is the one collecting this amount from me. I already spoke to one of their staff that I disputed this and they submitted this to XXXX which shows on my credit report.
This has been going on for over one year with myself trying to get information off my credit that is either not mine or reported incorrectly. I can go on and on and on!!! There is something on my credit now that is n't mine and I am getting ready to lose my deposit because they wo n't take it off. I 'm am getting ready to sue them for lost time and aggravation of my life.
XXXX XXXX XXXX XXXX is not reporting complete and accurate information to the credit reporting agencies. On XXXX, XXXX XXXX XXXX is reporting as delinquent majority of 2018 while on XXXX, they are reporting as failed to pay. XXXX XXXX XXXX  isnt reporting any payment information with Transunion. The issue is that I have disputed this item on all bureaus but the results always return as verified as accurate. If the information on one bureau is reporting incomplete and inconsistent information on the other bureaus, how is any of the information verified as accurate? That just shows the negligence on the part of the credit bureaus exposing that they did not thoroughly perform an investigation. Attached are screenshots showing the inconsistencies across the bureaus.
I have mortgage with Nationstar mortgage and I applied for a loan modification. Nationstar denied my modification. However in the letter it stated that I have a right to access the documents relied upon in this investigation ... I made the request but was denied. I was not reviewed for HAMP
As someone who lives paycheck to paycheck there are always more bills at the end of the money however in a 6 week period TD BANK has charged me over {$800.00} in overdraft fees virtually ruining my ability to pay my bills as {$800.00} is more than 1/2 of a paycheck. They refuse to forgive any of it. I have overdraft protection but bills that would have cleared with no problem did NOT and I was assessed more fees. On XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$70.00} XXXX XXXX {$70.00} XXXX XXXX {$35.00} XXXX XXXX {$70.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$170.00} XXXX XXXX {$35.00} This is BEYOND abusive and research has indicated that TD Bank has already had complaints and judgments against them for this type of abuse. As a result of this I have had to use credit cards to buy something as small as a pretzel because I have no cash and am petrified to use my atm card. PLEASE PLEASE HELP ME!!!! I want these fees refunded and then I plan on changing banks. I have already tried to switch banks but TD does not seem to want to release my money. I will be happy to supply you with my account number so that you can investigate this thoroughly.
Recently, I was contacted by my current universities financial aid department in regards to an inability to obtain funding for me due to a previous loan being in default. This came as quite a surprise to me as I've been in deferment these past few years. My default status is not accurate and, as such, I feel as if I've been wronged. I understand the responsibilities of being a federal student loan borrower ( and I've no problem meeting my obligations if they're accurate ) however, I do believe this situation to be an oversight. I've been shuffled about to various 3rd party collection agencies today and not one of them has given me a satisfactory answer as to why they have no record of my forbearances. My email address is XXXX XXXX
On XX/XX/2017 purchase a battery operated handheld massage that supposed work with batteries I change the batteries several and not responding so I contact the XXXX Customer at XXXX claim that they was unable to help me and put in complaint with the full credit number and then I contact TD Bank Customer Service regarding disputing this charges since the business will not honor a exchange or refund on the product and the TD Bank Representative all said she unable to dispute the charge because it has been more than 60 days I explain to them and she aware that checking account is closed on the statement it indicate XXXX XXXX XXXX XXXX XXXX XXXX for {$180.00}. Why is that Fraudulent purchase can not be dispute is this legal and why is the full debt card number need for dispute when the bank should have all access to Banking Activity is this legal and please ensure that staff do not tell me and others that I will be wasting my time this is my money from my working and depositing in the Retirement this money was transfer from IRA Account and governing by Retirement Account Federal Regulation and the transaction with these account are be reviewed by United States Department of Treasury Internal Revenue Service please investigate this Bank and ensure that they operating according to United States Department of Treasury and United States Federal Regulation and then after informing they not going to be able file my dispute they transfer me to Recover and Charge Off for XXXX XXXX and she was not able help with pass account and Debt Card Number is this legal and the number I was transfer to XXXX
On XX/XX/2107 I received and alert stating that LVNV funding LLC has added a new collection to my XXXX credit report. This is inaccurate information because i paid this debt to XXXX on XX/XX/2017. A pay to delete letter was submitted to XXXX on XX/XX/2017 along with a cashier 's check for {$100.00} which stated that upon cashing the check XXXX would be in agreement of accepting the payment as paid in full for debt and removed this collection from all XXXX bureaus within 15 days of cashing. XXXX cashed my check on XX/XX/2017 and mailed me a letter on XX/XX/2017 stating that they no longer own the collection and that i should contact XXXX.XXXX cashed my check then sold this account to another collection company by the name of LVNV funding LLC
I submitted 2 different disputes to experian about an account that is not valid. The entry is XXXX-XXXX XXXX XXXX for {$490.00}. I asked them to verify the validity of this debt because XXXX would not provide me with details of this debt. Ie : When, where, and the details. This is not mine and experian would not provide me with anything to prove its mine. I already had this debt deleted from the other 2 major credit bureaus XXXX  and XXXX. Both of the other 2 bureaus  could not validate the debt and removed it from my reports. Since I couldnt get XXXX to send me proof I asked Experian and they responded that it was not their responsibility to do that and I asked them how they verified this debt as mine they responded that XXXX told them it was mine! That is not proof nor is it validated and if the other 2 bureaus could not verify its validity then how is Experian able to? And if they have validated and proved it is mine then why wont they share that information with me? I want this item removed from my report immediately!
As of XX/XX/2018 after 4 rounds of credit repair, I received updated credit reports from XXXX XXXX, XXXX and Experian stating that the accounts on my report have been updated and for me to personally contact the collectors for any information. My rights have been violated per the FCRA and the FCPDA. These Collection accounts have not been properly verified by the 3 credit bureaus per the FCRA nor have they been validated by the collectors per the FCDPA. There has been no original instrument of the debt such as a signed contract presented to me by either of the parties. I have personally reached out to the collectors over the past 2 months asking for validation of this debt and what I received was the copy of a bill. Anyone can create a bill and place my information on it. This is not 100 % Verification nor is it validation. My credit is being held hostage by this. Laws have been violated. I have certified receipts from the correspondence that I sent to XXXX XXXX, XXXX, and Experian as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX that I'm attaching. These accounts are hurting my credit, im trying to buld a future for my children by purchasing a home and this has stagnated that process. Thank you for your assistance.
we called key bank about opening a new checking account and to see about incentives for opening an account. we were told there was a {$200.00} incentive but we had to do it online and was given no other information. we did the account on line and did n't enter a promotional code because we were not given one. the bank is refusing to honor the word of one of their employees and ca n't go back and get the information from the phone call because they deleted it. we only opened that account with that bank because of the promotion and they are refusing to honor it because they do n't have the information from the phone call we made. XXXX from corporate office told me no and that was the reason. So now we are filing complaints and want what was promised to us. They continually lie to us about this
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, XXXX, and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.
I opened an account at Wells Fargo Bank approximately XX/XX/2017. On XX/XX/2017 I went into the branch bank on XXXX XXXX in XXXX, Virginia to deposit my paycheck. The check was for {$610.00}, and I was told I would be allowed to receive {$100.00} and the remaining {$510.00} was deposited into my account with a hold on the money until XX/XX/2017. My account shows that the deposit of {$510.00} was made at XXXX on XX/XX/XXXX. A deposit of {$300.00} was made this same date at XXXX I did not authorize the deposit of {$300.00}. I checked my statement on XX/XX/2017 and the bank had removed {$510.00} from my account without me being advised of the withdrawal. The reason showing on my statement online was " {$510.00} deposited in error, transaction reversed. '' I called the bank and talked with XXXX XXXX and was given the name and number for XXXX in the Research Department. I called XXXX and was told they would research the problem, and that it would take up to five business days. I waited the five days, and called and spoke with XXXX XXXX. XXXX XXXX told me the case was closed, because the check had been deposited by telephone, and at the branch also. I advised XXXX XXXX that I did not make a deposit by phone, but did make an in-person deposit at the bank on XXXX XXXX. I asked my mother, XXXX XXXX, to be an advocate for me in dealing with this problem with the bank. XXXX XXXX called the bank and spoke with XXXX XXXX inquiring as to how she could discuss my account with a bank representative. XXXX XXXX first told XXXX XXXX she would need to be put on my account, but later said she checked with her manager, XXXX XXXX XXXX and was advised that XXXX XXXX could accompany me to the bank to discuss the situation. On XX/XX/2017 XXXX XXXX and I met with the branch manager of Wells Fargo on XXXX XXXX in XXXX, Va., XXXX XXXX. See attached documents pertaining to this meeting. You may remove any names and account numbers to use the document as a website posting if needed.
I began working with XXXX XXXX and XXXX XXXX in XXXX 2015. Several times during the mortgage preapproval and application process I was told that I would receive communication back, either via a phone call or email, however, I did not. Having waited for said contact on multiple occasions over two months, mortgage rates have now risen. Because of their inability to follow through on what they said they would do, and the lack of communication on their part, I had to pursue my mortgage application with another company at a higher rate. My last conversation with XXXX XXXX ended on XXXX XXXX, 2015. He stated at the end of our conversation that I would receive a call back later that day. To date, I still have not received any contact. On several occasions, I had to call his office multiple times in one day. Specifically on XXXX XXXX, 2015, I called XXXX ; XXXX in the morning and XXXX at close of business, only to be told that I would receive a call back both times. I never did receive that call. Instead XXXX XXXX sent me an email to call him the following morning. Since I began the mortgage process, I have been pursing the XXXX Achieving the Dream product with the 3 % Down Payment Assistance Loan. Since XXXX 2015, the rate has held steady at 3.375 %. However, on XXXX XXXX, 2015, the rate rose to 3.5 %. Because I waited to hear back from these award-winning employees, I am now locked in at a higher rate, thus spending XXXX more over the life of my mortgage. I now highly regret engaging in contact with XXXX, believing that I would receive timely correspondence. During the course of my career, I have been trained to spot regulatory violations and this XXXX is glaringly obvious. It is exceptionally unfair that I am now subject to the higher rate and thus more money out of my pocket, because I waited for contact me back. Had these loan officers followed through not only in communication, but with my application, this could have been avoided. Furthermore, having sent XXXX XXXX and XXXX XXXX the XXXX pieces of information that constitute an application and receiving no response to date, this is clear violation of the service level agreements set forth by RESPA statute. I have attached a timeline of events depicting the correspondence between XXXX and myself. Emails and phone records are available upon request. I want to know what XXXX will do to rectify this situation.
I have been a Chase XXXX preferred customer since XXXX. In the middle of XXXX, XXXX I became aware of the new Chase XXXX reserve card. I simultaneously closed my XXXX preferred card account and opened my XXXX reserve card account. At the time I believed that my accumulated points, worth close to {$2000.00}, would be rolled-over from XXXX account to the next. 

Recently ( XXXX/XXXX/XXXX ) I received a notification that this is not the case and I will lose the XXXX {$2000.00} in cash value. I find this extremely disturbing because : 1 ) it seemed intuitively obvious that I would want the points rolled over and 2 ) I was not informed of the non-rollover policy at the time of closing XXXX account and opening another. If that was the case I would have certainly requested the payment in cash. 

I request your assistance in having Chase rollover the point value from my old account to my new account.
i was told by my current mtg company XXXX that I was put on a do not call list and I believe I even sent them paperwork with my payment as requested. I am still receiving calls aand was and was told now that I have to mail them a cease and desist letter to accomplish .is this this, is this correct? my acct is and always has been current and the calls are for marketing and XXXX party marketing. the company is Nationstar Mtg in Texas.