WillisBack/dataset-financial-user-claim huggingface dataset:
I started trying to sell my house back in XX/XX/XXXX. I have gone through several buyers in just one year only to lose them because of USBank. I had to move and stop paying my house payment because it went from {$950.00} to {$1300.00}. My hardship began in XX/XX/XXXX due to having to quit my job because of XXXX issues, I almost lost my daughter. Because my husband worked an hour away from the house we decided to sell the house and move to another county. I have had I think at least 7 buyers and one was even willing to pay more than the house is worth and USBank denied it. My loss mitigation application has been in and out of review because they are saying I'm not providing them with the correct information. I have a realtor helping me to make sure they get what they need. I have had to send in check stubs for my husband and I three or four times. They wanted a letter from my husband saying how much he contributes and that he is in fact my husband and then they wanted to remove him from the process. Since XX/XX/XXXX my application has been in review and I called today XX/XX/XXXX and was told that it is with a negotiator. It seems to be going no where to me so my realtor told to file a complaint. This is beyond stressful. I have all emails sent from XX/XX/XXXX to current, it's too much to upload. My advice to anyone is use a lender they don't give near as much problems and never ever use USbank.
I opened this CD account ( along with XXXX additional ) approximately 5 years ago. I now wish to close this account, but M & T Bank is making it impossible. When I opened this account I was adamant that I did not wish to have these accounts renewed automatically, I was told at the time I opened the accounts that it would be not be a problem and it would be noted on the account, this was not true. 
I sent my son to the bank on my behalf, I am XXXX years old with a XXXX XXXX and XXXX, and have XXXX. He was told at the branch that the power of attorney that he possessed was not valid and the institution would only accept their own power of attorney form. 
I feel that M & T Bank uses deceptive methods and is attempting to take advantage of a XXXX and veteran. 
I am attaching a copy of the power of attorney.
Around the end of XX/XX/XXXX, I was checking my credit report on XXXX XXXX and it stated that my chances of getting a XXXX XXXX Credit Card was fair. I went to XXXX XXXX website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX, I received a confirmation email that my new XXXX XXXX Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with XXXX XXXX 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. XXXX XXXX should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.
I attended XXXX University, graduating in XXXX XXXX. I have been making auto payments on my loan for the past 7 years and am in good standing. My interest rates are currently set at variable rates of XXXX % and XXXX % for XXXX different loans. Based off the interest rate, life of loan, and principal balance, I would think my monthly payment should be approximately {$450.00} ; however, I am paying $ XXXX monthly. When I called to inquire as to why I am paying so much more per month, I was told it is because of the variable interest rate. I consider this explanation inadequate and fear that I am paying more than required yet not paying off my loan any faster. Furthermore, XXXX advertises " help '' to get a lower monthly payment. I called to see if I could have a lower monthly payment, even if that meant extending the life of my loan, and I received no help. I was basically told I have no other repayment options because I am past the 18 month period since the start of loan repayment in XXXX XX/XX/XXXX. Based off the remaining principle, current interest rates, and my monthly payments, I calculate that I should have my loan paid off in XX/XX/XXXX versus my repayment schedule says repayment is XX/XX/XXXX. How do I know if this is correct? The answers provided by Great Lakes have not helped me understand my loan or repayment plan. I feel that Great Lakes servicing is deceptive in their marketing of lowering repayment options, misleading in how my monthly payment is determined, and unwilling to work with me, a borrower in good standing. Lastly, they do not have clear documentation on mygreatlakes.org of my entire payment history, interest rate changes, and information regarding my interest rate ( e.g., I can not find information as to whether my variable rates have a cap ).
My debit card was hacked and the perpetrators racked up over {$500.00} on my account. I immediately called and reported the unauthorized transactions to the card issuer the same day and was told I needed to wait until the transactions posted. I called the next day when they posted and was told I would qualify for a provisional credit if I sent a written statement disputing the charges. I sent the statement via email that day which was a Saturday and also advised I would be filing a police report with local law enforcement. When I called to file the police report, I was told by the XXXX XXXX XXXX XXXX XXXX that I needed an affidavit from the card issuer to prove I disputed the charges. I called the card issuer back and requested the affidavit and the customer service representative said he would send it to my email. After waiting over 2 hours for the email, I called customer service again and they said they have to finish their investigation before sending any documents or crediting the provisional refund and their investigation can take at least 10 business days. They are obstructing justice and hindering my right to prosecute the criminals that stole my money.
USAA has a glitch in their backoffice auto-payment system that caused one of my payments to be 30 days late. USAA will not take failure ownership. USAA has a glitch in their backoffice auto-payment system that caused one of my payments to be 30 days late. USAA will not take failure ownership. USAA will not PUBLICLY acknowledge that their system has a problem and has refused to correct the late payment credit reporting on my account.
XXXX account listed on my credit report with XXXX TransUnion has been paid and closed since XXXX 2007. I would like this account removed from my credit report as it has been over 7 years.
I tried to work with green trust cash on a balance owed by stating I could pay less. After I stated this and revoked all ACH authorization green trust cash then stated that they would take my money out anyways and they would have me arrested. This was the conversation over the phone on XX/XX/XXXX. Today XX/XX/XXXX I emailed green trust again asking for a reduced amount of payments and they  responded with a copy of the contract showing interest of 700 % which is illegal in the state of Alabama. By good faith i was going to pay this back but now they have threatened jail time to me and stating I will have to pay more than I borrowed cause it will charge me each day. I am afraid this company is going to get into my account without my permission.
I have received threatening phone calls stating that legal action will be taken against me. I have no idea what payday loan the Rep is referring to, I have n't applied for such a loan in several years.
Dear sir or madam, I just recently paid off a to the collection XXXX agency which is sold by XXXX XXXX creditor. We both agree that the once its paid off that this would be off my credit. XXXX agreeded and is off of my credit on Experian, but if XXXX has sold my debt to XXXX then they should be on my credit as well because its paid off and account is mark satisfied. I request that all the 3 credit beureaus delete XXXX from my credit file. 

Thank you
I had a secured credit card tied to a {$1000.00} CD that was supposed to mature at the Annual Rate with 350 % Interest payment, instead when I applied to cash in the CD and apply the balance to the credit card both transactions were disapproved without reporting why. I have mo idea since the business card does not report to credit agencies. I have never been able to get one loan, credit card, or any business funding out of Arvest Bank, I believe due to discrimination. 

In this transaction they disapproved the transfer of the CD to pay off the balance even though I have paid of the balance at least 5 to 7 times during the one year period. I have used the card for over XXXX in purchases. What makes the matter worse is getting a CD statement that says I was paid 150 % Interest per quarter giving me XXXX for a year. As a business man I would have never agreed to those terms in fact I know it was a lie because on XX/XX/2017 the day of maturity I was to there was XXXX on the card with XXXX dollar interest payment but the statement said differently. This was of course why it took 9 days to get a decision on the transfer meaning one more day I would have been stuck with the CD as collateral. Instead I closed the credit card and the CD and Arvest says I owe them {$110.00} I say I owe XXXX. 

They first violated the contract saying in a year I would get a regular card and could apply the CD to the balance. then took 9 days and emails to the CEO to get a letter emailed to me with their decision. We filed complaint with the company we have heard nothing back
My Chase bank XXXX credit card was mistakenly charged by XXXX in the amounts of XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. When I notified XXXX of this, XXXX sent me the attached letter on their letterhead authorizing my credit card company to issue a refund to me. I did as they suggested and forwarded their letter to Chase bank ( XXXX card ), but Chase informed me that XXXX then told Chase that the charges were appropriate due to the vehicle being returned to the XXXX rental location with damages. However, I was never informed by XXXX of any such damages, although a reservation confirmation email from XXXX stated that I would be informed of any damages. Moreover, there were actually no such damages to the vehicle, and the above charges are also unjustified for the reasons below. 

First, the charge of {$380.00} was posted by XXXX to my credit card account on XXXX XXXX, XXXX, which was XXXX days before the car was returned to XXXX on XXXX XXXX, XXXX, so it was impossible to ascertain any damage at the time of the charge ( and there was no such damage, in fact ). 

Second, because there was quite a lot of existing damage to the vehicle when I picked it up, I took the attached 13 photos to show the existing damage to the vehicle. This car had about XXXX miles on the odometer and was driven only about XXXX miles by me in the few days that I had it. There was absolutely no additional damage in the time that I had the car. The XXXX employee to whom I returned the car looked it over and had no comment about any damage at that time. In short, there is absolutely no validity to the claim to Chase bank that the vehicle was returned with damage, and no evidence of such damage, or any description of such damage, has ever been provided by XXXX. 

The Chase dispute process has been completely ineffective, finally stating that they can not refund because too much time has elapsed since the charge, even though any delay has been on Chase 's end and not mine. I received acknowledgement of the dispute from Chase on XXXX XXXX, XXXX ( attached ), and received a letter dated XX/XX/XXXX ( attached ) from Chase, where I was informed of the claim of damage to the rental car for the first time. I re-disputed on XX/XX/XXXX, sending the attached email at the direction of a Chase telephone representative. Chase sent me a letter dated XX/XX/XXXX ( attached ) saying nothing could be done because too much time had elapsed. From the dates above, it is clear that any delay was almost entirely on Chase 's end and not mine.
I am receiving multiple daily calls on my land line from portfolio recovery. I have asked them to stop calling this number. I never gave out this number to anyone other than family for emergency. They went on their own to find this number and they have been harassing me. I probably have over 5 missed calls a day from them. I did. I have not had this issue with my phone number until we switched to XXXX. They call at random hours and have been disrupting sleep.
Receivable Performance is reporting a collection for a debt I didn't authorize. The mark is negatively impacting my score in which I was recently denied credit. This account is causing me damages. I have disputed it with the credit bureaus and have filed a identity theft report through the FTC and had it forwarded to them as well as the credit bureaus. Im beyond upset about this and want it to be resolved immediately.
Dear, XXXX XXXX Yesterday XX/XX/2018 when I talked to the Customercare dept- about being contacted my Sunrise credit services inc out of XXXX there phone # that called me XXXX The gentleman at XXXX sent me a copy of the issues in dispute- it didn't match up what Sunrise credit services inc told me on the phone - however we were able to resolve and I have a {$0.00} Balance due- I am requesting a copy of the last statement with a {$0.00} Balance due with XXXX to be sent to my email to show this with my records. for future calls from Sunrise credit services inc or any other Collection company that think they have a right to steel money from me or any other person. 

Again Thank you for your help to resolve this issues ; XXXX.
Transfinancial Companies is trying to collect that has not been verified nor validated. They do not have have my correct information and this is not my debt.
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report
The Student Loan Company XXXX XXXX XXXX XXXX XXXX is reporting payments late for the time period of XX/XX/XXXX - XX/XX/XXXX but I had been approved for deferment during that time period by XXXX XXXX.
On XX/XX/2014 about 3 years ago i filed a complaint against XXXX Case # XXXX for placing a fraudulent account on my credit without contacting me. The Original creditor was supposedly XXXX. I sent XXXX a copy of my police report because i am a victim of ID Theft Police Report Number XXXX. The account was removed. 3 years later the account has been placed on my credit with a new company named XXXX, XXXX Account number XXXX. The company has not contacted me but they put it on my credit. XXXX deleted the account because its the same XXXX account that was placed on my credit in XX/XX/2014 in the amount of XXXX but under a new collection company name which is XXXX. 

I contacted Equifax which was a total nightmare ... .. unbelievable, i spoke with 4 representatives ... I first spoke with XXXX who constantly put me on hold and the call lasted w 30 minutes before she told me she did not see a police report on record for me .... then she said she found it but did not see the account in question which was the previous XXXX account when it was XXXX before she ended the call saying she could no longer hear me on the phone. 

I could not go to work because i was so frustrated .... i came home and called again. I spoke with XXXX who said she could not find the police report and said i needed to file a new one. I advised XXXX that i had also filed a complaint against XXXX in XX/XX/2014 with the CFPB she said the needed the results page .... i told her the end result was that the account was removed and she could look at my credit report and see the results- it was under XXXX in XX/XX/2014. She said her supervisor said i needed to file a new police report. I asked to speak with her supervisor .... after 2 minutes a lady name XXXX asked me for my name and confirmation number. I asked if she was a supervisor and she said yes and asked how could she help me. She said the previous representative ( XXXX ) was no longer on the line and did a blind transfer so she said she was not aware of what was going on???? 
I asked XXXX if she could transfer me to a US supervisor ( English speaking ) she transferred me back into que and i spoke to a rep named XXXX who said she was not a supervisor. XXXX spoke with her supervisor named XXXX and according to her ... she said i needed to file a new police report that contained the new name XXXX. I asked if the account is sold 20 different times in regards to XXXX in the amount of {$780.00}, would i have to file XXXX different police reports ... .. she said he said yes!!!!!
I have a timeshare mortgage with XXXX XXXX in XXXX XXXX, NJ. I am actively working to legally get out of my contract with a timeshare release company. XXXX  has been notified and has been corresponding with me and the company about the timeshare release agreement. However, XXXX  under the name XXXX XXXX XXXX recently reported my account as past due to the Experian credit bureau. I was not even notified about this until my credit was ran for an unrelated matter. The delinquency for XXXX XXXX only appears on one credit bureau, Experian. I have contacted XXXX and XXXX XXXXl ( who is their third party billing company ) to dispute the balance they have stated as outstanding. XXXX  is claiming I owe them {$6200.00} but this is inaccurate. I have been paying a fixed monthly payment of {$110.00} from XX/XX/XXXX to XX/XX/XXXX. This payment was withdrawn automatically from my credit card each month. I have monthly credit card statements to verify it was being paid. The original amount financed was {$6000.00}. So, I can not understand how I could owe them more than what my contract states if I have been making payments for almost 2 years. I called XXXX and they would not explain it to me or provide me with a breakdown of how they came to this amount. I requested a copy of the billing statements they claimed to have sent me and the person I spoke with told me to call their legal team and would not assist me any further. I have a right to question the validity of the debt that is put under my name and tarnishing my credit. If XXXX XXXX are not willing or uncooperative in providing this information, I want the delinquency removed from my credit report.
I was paying on a modification agreement of which was supposed to be Wells Fargo bank.After paying {$6300.00} I was informed an email from XXXX that the modification is a scam. I notified Wells Fargo through certified mail of the scam but did not get a reply. Hope services notified me that there is a class action lawsuit against the fraudlent company. I was convinced that the company is legit because they have information about me that could only come from Wells Fargo. I was made to understand that the person that called me was a former Wells Fargo employee. Wells Fargo put my house for sale on XX/XX/2016 at the XXXX XXXX courthose on XXXX XXXX XXXX NY.
XXXX 2017 approx 3000 dollars I did not receive anything in the mail from this debt collector, even though they told me I did. I believe they lied about this as they had my address. I asked if they would send me another letter with more information to verify my account and they said no. Then they proceeded to threaten to put my bill into collections if the balance hasnt been paid in 10 months and refused to work with me on a reasonable payment plan. I feel that they violated my rights.
On approximately  XXXX   XXXX , I was with my grands whom I wanted to make a purchase for. I am  XXXX , am a widow to  a US  veteran, and although I have good benefits the advertised fixed payment option was perfect. My grandson wanted a  XXXX . It clearly states io eBay if approved  for PayPal cre dit, the payments would be a certain amount. I clicked the button, was approved and then told it was not eligible due to being a high risk item. M y   PayPal  account was then limited to only being able to add funds, but not make or withdraw. They have asked for at le ast 4 form s of identification and proof of address and now tell me they will keep my information and I can not use the account. I have a deep accent and am elderly. I also offered to send in my birth, marriage, and credit reports that confirm my identification and current address. There is no check to my credit and I 've not received any assurance my credit line would be closed. Since I see no issues on my credit report I have no other idea but that it is associated directly to my having a heavy accent and being elderly. I called my creditor and bank to see if they had received a call fro m PayPal to co nfirm my statement information which was requested and they had not so a proper investigation has not been made and I 've been unfairly judged and discriminated against.
Experian Date : XXXX XXXX 2017 Report # XXXX Experian has by them being Experian that this account is to go positive in XXXX show how is it if the account has not been late so long to go positive as stated by Experian. 
As Experian states : Your account that may be considered negative it seem worded on way by them to use to there advantage against a consumer as they sell consumer information for there benefit as to what is positive. 

So Experian puts your accounts in this : Your accounts that may be considered negative section on there credit report in which they do n't want to justify if payments have not been late in over 18 months/ 24 months. it seems like deceptive practice with a consumer by there wording
XXXX XXXX OpenACCOUNT INFORMATION DISPUTED BY CONSUMERClosed by GrantorDisputed by ConsumerCOLLECTIONI have disputed this account because it not my account and still has not been removed from my account and it has been over 3 months.
{$300.00} cash load was made to my XXXX card on XXXX/XXXX/15 through XXXX. The money was never credited to my account even though money gram shows it as having been received. Rush card customer service is non-existent. I have called and been hung up on repeatedly. I have emailed, private messaged on XXXX and twitter ( per XXXX XXXX request ) and have not been contacted in response. I have copies of all the receipts and proof that the money was paid and should have been loaded to my card immediately, but no one will help me
On XX/XX/XXXX, I had {$76.00} past due with a Wells Fargo Visa card. The reason I was past due was because I did not receive any communication from Wells Fargo that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, Wells Fargo denied my request to have the late payment removed from my credit reports. I believe I was denied by Wells Fargo without consideration that I did n't have knowledge of a late payment.