WillisBack/dataset-financial-user-claim huggingface dataset:
We have been trying to get the remaining funds from our insurance claim for 2 months now. The final inspection was handled on XX/XX/XXXX, but we had two additional checks sent to loancare that were posted to our account on XX/XX/XXXX. I submitted a XXXX  complaint on XX/XX/XXXX. On XX/XX/XXXX we received two calls. 1st call indicated they were escalating the request for a 2nd inspection and the 2nd call indicated they would be issuing a payment in 5 business days. To date, neither has happened. No inspection and they have not released the remaining funds from our insurance claim.
CapitalOne charged me {$35.00} Late fee for making a payment that was {$2.00} short. 
They are being very insensitive and for almost a year they have refuse to issue or allow me to select a PIN to use at the ATM Branch to make Payments to my account after Banking hours at XXXX! All credit card companies issue or allow their customers to choose a PIN to have access to ATM 's in order to process payments. This selective method of payment is a Violation!
XXXX XXXXAccount Number XXXXFormer account number XXXXI am filing a complaint against Chase United Mileage Plus credit card. I believe these are the events leading up to my complaint. 
I originally had a credit card that was a 'premier ' credit card that provided me with reward points for signing for the United Explorer card. I terminated this card as I did n't wanted to pay the annual fee ; I converted this initial credit card to XXXX, which is a Chase United Mileage Plus credit card. 
I then reapplied and called Chase in XXXX or XX/XX/XXXX and requested to obtain the 'Mileage Plus ' Explorer Card. The credit card provided XXXX bonus points if I purchased {$2000.00} by XX/XX/XXXX. I complied with this stipulation. 
I spoke with someone named XXXX and XXXX, Chase representatives and I explained to them that I originally had a Mileage Explorer Card and received about XXXX or XXXX United Mileage miles. ( I ca n't recall what I exactly earned. ) I specifically told these representatives that I converted this card to a regular United Mileage card that did n't require a yearly fee. I asked these individuals if I could apply for the new Explorer Card and obtain the XXXX bonus miles. They told me that I could absolutely receive the new bonus miles. I believe that they completed my new application on-line. 
I received approval in the mail for {$9000.00} credit line. I am attaching the papers I received. I did n't check to see if I received the XXXX bonus miles until XXXX XXXXI called on XX/XX/XXXX and spoke with XXXX ' a Chase representative who referred me to a supervisor named XXXX . I explained the situation to her and she stated I would receive a call from an account manager at Chase. I received a call from XXXX who stated that Chase will not give me the XXXX bonus miles since I was not entitled to the bonus miles from the XXXX credit card. I was told that I already received bonus miles from a previous promotion. I explained to XXXX that I spoke with, the aforementioned individuals ( XXXX, XXXX ) and they told me I was eligible for the bonus miles. 
My RequestI want the XXXX bonus miles and for the hassle I would like compensation such as an additional XXXX miles for the hassle of having to write this complaint. 
Sincerely yours, XXXX XXXX
My payment with BMW Financial Services is due on XX/XX/XXXX, account number XXXX. The vehicle is not in my possession, it was not able to be registered due to past due property taxes and the dealership is well aware of this. They have the vehicle in storage until taxes are paid. However, the tax bill is quite high and can not cover car payment as well. The tax bill is around XXXX and do not have enough to cover both. I need payment deferred a month to XX/XX/XXXX in order to buy time to pay taxes. I believe this to be reasonable, considering I do not have the car in my possession and they can verify this with BMW dealer, BMW of XXXX. They are also looking for a payment on a previous account, XXXX, which was paid off by XXXX. However, a small amount was left over, around XXXX I believe. I do not have exact amount available to me at the moment. The GAP company, XXXX claims, paid out the claim with no benefits so amount was not paid out. Their reason ( s ) for non-payout vary and are inconsistent/bogus. Please advise BMW Financial Services I refuse to pay and if they are still seeking payment they need to contact either XXXX and or XXXX Claims.
My account number with Hyundai for a lease of XXXX XXXX is : XXXX I paid a lot of money as my monthly payment as of sales tax and I was all the way regular in my payment. I returned the car with very good condition and I spoke to one of the repair people from a Hyundai Dealership and according to his feedback " The car was in very good condition '' but their inspector charged me {$180.00} dollar on minor issues and also they are charging another {$40.00} as a tax on the lease termination. 
I spoke to their finance department multiple times and they were threatening me to report these amounts to the collection department and credit bureau. 
I tried to speak to their manager and they didn't allow me to talk to their manager. 
I tried to get the address so that I can file a federal complaint but didn't get sufficient help. 

They behaved like thieves who want to take money out of peoples pocket.
To Whom It May Concern : My family and I travelled to XXXX and made several credit card charges which now appear on our current credit card statement. Prior to our trip, we were advised that Amex does not charge foreign transaction fees. Upon review of our foreign charges, I noticed multiple inconsistencies throughout the statement regarding the way XXXX to USD conversions were processed. My concerns are the lack of consistency when applying the foreign exchange rates. 

On several of the charges, the exchange rates used are higher than published rates I found through various online resources. 

Example 1 : Hotel charge on XX/XX/2018 for XXXX EUR was converted to {$2100.00} using an exchange rate of XXXX. However, published rate online for XX/XX/2018 was XXXX. 

Example 2 : In addition, I made several transactions on XX/XX/2018 and a different conversion rate was applied to 3 of the 4 transactions. The exchange rate published online for XX/XX/2018 was XXXX. However, Amex used conversion rates of : XXXX XXXX XXXX I contacted Amex and was advised that the conversions are made by an Amex subsidiary. I asked if I could file a complaint and have the charges/corresponding exchange rates reviewed. I was advised that there is no process to formally file a complaint or request a review. They could only document and internal note on my account that I called to question the charges and a description of the information I was provided. But again, its not a review just an internal note and no additional action would be taken. I spoke with both a customer service representative as well as a supervisor who essentially said there is no way to dispute the charges as they are what they are.
XXXX XXXX credit card w Citibank We moved and we didnt receive notice from XXXX XXXX and they reported in paid balance {$200.00} and its ruined my credit score and I have tried to resolve w no luck and they wont except phone calls only fax w 60 day turn Arounc
I have disputed several reports on my Transunion credit report. After repeated request for XXXX to mail me an up to date credit report showing the corrections that were made and my current credit score they have failed to comply with my request.
This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on XXXX, Experian, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized and inaccurate inquiries on my credit file. The following inquiries were placed on my credit file as of XXXX XXXX, 2017. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against XXXX, Experian, and XXXX for placing false inquiries on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of the inquiries and this has been a situation that has been on going for the entire year and Im tired of the bs. You have caused major XXXX and more symptoms to my physical body and my mental capacity. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my mental health. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. 
Inaccurate Inquiries : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX
I was listed as a potential victim of the Equifax cyber-hacking. Upon checking with their website it confirmed that I was probably a victim of the thefts. It allows for 1 year enrollment in an identity protection product without allowing the pursuit of litigation, restitution or arbitration. I am very worried that I will be a victim of identity theft as a result of the data breach. I would like to be able to retain the option to recover stolen funds, or funds spent protecting my identity from Equifax.
Sallie Mae, pulled my co-signer 's credit report without authorization. They did this to pressure my co-signer into a payment
I was supposed to receive an account opening bonus for opening a new account and meeting certain requirements. I have met all the terms of the offer and completed all the requirements but the bank is denying me the bonus. I have contacted customer service through e-mail, phone and also the branch but no one is willing to help. I also reached out to their social media team but never heard back.
Equifax is showing a red flag in Fico due to Mortgage XXXX account " Acct Status : PAYS 91-120 DAYS '' This account is over 7yrs old. I am no longer liable for this account but Equfax will not delete it. Please help. Thanks.
Equifax mishandled my information. I am listed as a potential victim of a security breech according to their equifaxsecurity2017.com website, and would like a resolution that does not require me to enroll in their services due to their history of mishandling personal information or absolve them of their liability.
My debt has not been properly calculated. My Right to Cure letter is incorrect. The calculated debt is not accurate. XXXX, it 's servicing agents, XXXX and Harmon Law Offices, are in violation as well.
I attended career point college for 17 days. They ultimately shut down. I did not complete one class or receive any credits from this school. I am now harassed by student loans for a loan I did n't even use. It was for over XXXX and over XXXX when when interest will accrue. This is unheard of to me. How do I owe something that was given to a school that shut down and I did n't get a chance to use or benefit from
On my XXXX account online, XXXX showed a list of selected credit card offers for me. These are credit cards I can apply for and get approved. Ive applied for a credit card that was on that list on XX/XX/XXXX. I got a rejection letter in the mail on XX/XX/XXXX. I want to complain, because this is false advertising and the credit card application increased my number of inquiries unnecessarily ( from Equifax ). This inquiry should be removed from my credit report since this is XXXX fault. They shouldnt be giving me offers if they will just reject my application.
I have some student loans through XXXX XXXX, now Navient. I have been trying to make payments with them- but they are unwilling to work with my income. They continuously try and give me a monthly payment that is way beyond what I can afford and refuse to work with me even though I keep telling them that I am willing to pay but that I just can not afford the minimum payment they are offering. For the longest time they told me my only option was to pay {$150.00} to put my loan in forbearance, which only results in more interest. This is a vicious, disgusting cycle that only allows them to XXXX you into owing them more money. This company is preying on honest Americans who work hard and are just trying to pay off the cost of their education!
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX Filed Collection Charges with XXXX and XXXX respectively. On XXXX/XXXX/XXXX I spoke by telephone with XXXX XXXX XXXX, at XXXX XXXX XXXX. I let XXXX XXXX know that on XXXX/XXXX/XXXX Citi charged off my accounts and closed it. Citi reported the Charge Offs to all three ( 3 ) Credit Agencies, which adversely affected my credit status. On XXXX XXXX, Citi sold the charged off account to XXXX XXXX. I have never heard from XXXX XXXX, until their negative collection pursuits were reported to XXXX and XXXX. With this Double Jeopardy, my credit status hit a serious negative declination. And today with XXXX XXXX filing collections with XXXX, another severe blow was administered to my credit report of a negative XXXX points. My overall Score is now XXXX. With every reporting by Citi and XXXX XXXX, my credit score has gone down in the latrine. I want XXXX XXXX & Citi 's onslaught to my credit be STOPPED. Both Citi and XXXX XXXX should reverse the negative scores on my credit. I am exhausted, stressed and at a total loss what to do. I am a XXXX XXXX XXXX Veteran with XXXX, and is fighting a battle to get my health back. On XXXX XXXX XXXX the Department of Veterans Affairs certified me with a XXXX rating of XXXX. I seek immediate relief. Please help. Very Respectfully. XXXX XXXX XXXX
My Federal & Dept. of Education loans are being serviced by Navient. In making payments to them, I 've noticed I do n't have the ability to designate the allocation of the payment ( s ). Upon reading their allocation terms, I learned that they automatically & unilaterally allocate the entire payment to interest & fees FIRST, principal LAST. This stretches out the life of the loan artificially & takes away my individual right to decide how my money is used in servicing this extremely high debt. I understand there is a class-action lawsuit regarding this very issue & I would like to get more information on how to get involved. The universities I have this debt for attending are : XXXX University XXXX University XXXX.
I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to XXXX, XXXX, Experian, and XXXX XXXX via their customer service teams but they will not help.
law firm bought all of my outstanding credit from credit company and press charges in high courts damaging all of credit history.
XXXX XXXX XXXX XXXX Driver 's License # XXXX Address of Property : XXXX XXXX XXXX XXXX XXXX, GA XXXX Current Residence : XXXX XXXX XXXX, XXXX XXXX, OK XXXX I, XXXX XXXX XXXX, hired XXXX XXXX XXXX, the owner of XXXX XXXX XXXX XXXX XXXX. He was hired to repair damages to my home in XXXX, GA after XXXX XXXX. This was an insurance claim as well as addition to the home. XXXX XXXX received a check for {$21000.00} as well as {$10000.00} of personal funds that was transferred from my XXXX XXXX XXXX XXXX account to his. After XXXX XXXX abandon the property, damaged my property which left my home not livable. I know have family displaced/homeless with no way of contacting him. I have left several messages on his cell phones, emails, and I have sent him a certified letter for him to please contact me. XXXX XXXX signed for the certified letter and still has not contacted me or refunded me my funds. I called his insurance company to see if I could file a claim but was denied due to a statement that he was not paid. The insurance company also stated that he was not a license contractor and should have never signed the contract. I researched the database to locate if he ever had a license and was unsuccessful. I am XXXX XXXX military and I am asking that I please have someone assigned to this case and to help me. I do not want him to do the to anyone else. I have a copy of the contracts, checks and a letter from the banks for funds cashed, transferred and received. XXXX XXXX signed the contract XX/XX/XXXX. He started some measurements/materials during XX/XX/XXXX. XXXX XXXX did not start any construction on my home until XX/XX/XXXX/XX/XX/XXXX timeframe. This is from texts and phone calls of the progress from him. After XXXX XXXX received the additional {$10000.00} via funds transfer ( XX/XX/XXXX-XXXX XXXX XXXX week ) no one was able to contact him. My insurance company ( XXXX XXXX ), mortgage company ( PHH mortgage ) as reached out to him several times with no response. I spoke to an attorney about this issue and was advised that the person was a fraud that had stolen my money and that I needed to make a police report ASAP. If you need any documentation or have any questions please call me at your earliest. I can be reached at XXXX XXXX XXXX XXXX. Police report # XXXX Thanks and have a blessed day! XXXX XXXX XXXX
The student loans that are being reported ( XXXX ) are not late payments and should be removed. This bureau does not properly verify my credit report and whenever I called I could never speak with a representative. There are also multiple hard inquires that I did not authorize and are not associated with my account.
I demand that Wells Fargo provide me the following documents in that they have no contract with me and do not own the mortgage or home they have violated the SEC rules and regulatins and the FHA laws. They have securitized the loan into hedge funds and continue to harass and threaten even during my bankruptcy. 
I want full accounting of this loan Deed of trust Chain of title full legal servicing of loan full accounting of loan All equity in property Refund of all money submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they have and can not produce the original note because they have securitized the mortgage which is illegal they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show Tila agreement, show the sources used to assign this loan I was bamboozled and a victim of predatory lending. 

A complete statement proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan and or loans Deed of trust Chains of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan original statement form XXXX on this account Wells Fargo has taken advantage of me and other XXXX home owners across the country. They have falsely certified and submitted ineligible residential mortgage loans for FHA insurance. I want the owners of this company arrested and locked in a prison without bail. I also demand a full refund and XXXX dollars in settlement for pain and suffering and harassment because they violated the FHA laws and used predatory lending practices
I purchase two XXXX gift cards from XXXX located @ XXXX XXXX XXXX in XXXX XXXX NY XXXX on XX/XX/XXXX. In XX/XX/XXXX I went to make a purchase at retailer and found out that the purchase was being denied. I therefore looked up the history of purchases via the website listed on the cards XXXX and found transactions on both cards which were not performed or authorized by me. Thereupon I called the customer service # listed on the back of the card and filed all the necessary paperwork with them and sent it to them @ fax # XXXX. I contacted them numerous times after to find out the status of the dispute. I was told to send further information which I did on XX/XX/XXXX again I sent information regarding the fraudulent charges via fax to the number ( XXXX ) which I was given. On XX/XX/XXXX I received a letter from the company ( XXXX XXXX XXXX, XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, SD XXXX confirming dispute and requiring me to sign the document and send back. I did so and sent the document back via fax on XX/XX/XXXX. Since then I have contacted the company numerous times @ XXXX in XX/XX/XXXX and XX/XX/XXXX and was told repeatedly to call at a further date. As of today 's call ( XX/XX/XXXX ) I received word that no action has been taken since my last call of XX/XX/XXXX and have not received a resolution and reissuance of funds back to me. Please help me in this matter. The giftcards are issued by XXXX XXXX XXXX XXXX
My account with Wells Fargo was overdrawn for {$100.00} and fees were assessed bringing the balance to XXXX. On on XX/XX/XXXX my account was closed by wells fargo and sent to XXXX XXXX XXXX for collections. I received a letter from the agency attempting to collect {$310.00}. On XX/XX/XXXX I called Wells Fargo to ask them to reduce the balance to the original overdrawn amount of {$100.00} due to my unemployment status ( please see supporting documents ). A Wells fargo representative agreed to reduce my balance only to {$250.00} and I was told they would communicate that with the collection agency. I made payment arrangements with the collection agency to pay {$50.00} bi-weekly begining XX/XX/XXXX. I have paid a total of {$150.00} in total and assessed new fees of XXXX from my new bank account where the agency is taking payment from because it 's also overdrawn due to my employment benefits being exhausted. I am going through a financial burden. It 's not fair that this matters was caused by losing my job. I am trying to do my best to take care of my obligations but I do not have the financial means to do so any further. I have paid a total of {$150.00} and my account was originally oaverdrawn for {$100.00} and raised to {$250.00} due to overdraft fees and later raised to {$310.00} by the collection agency. I have a daughter to take care of and no income. I would like assistance from the CFPB to help me resolve this matter. I tried to speak to the agency and they said they are not authorize to settle. I then called Wells Fargo and spoke to XXXX XXXX taking inbound calls who and explained my issue. She stated they would not be able to call the agency to reduce the balance because she only take inbound calls and that the agency should know what to do, but that she did show there was a settlement pending for {$250.00} on their side but that they never received payment from me. I told her that was because Wells Fargo sent it to XXXX XXXX XXXX and I 'm making my payments to them. She sated I would have to contact the agency and resolve it with them. The issue is that the agency is telling me to speak to Wells Fargo. At this point I feel like I 'm just going around in circles and getting no results. Just causing more burden.
This company is trying to collect on a debt for XXXX that is not mine. I have never had a XXXX account. I asked for validation of debt and all I received was a bill. Where is the proof I signed for this account. I have never lived at the address they had listed. I would like proof of this debt like paper work with my signature showing this is a valid debt. It is negatively affecting my credit and I would like this removed.