WillisBack/dataset-financial-user-claim huggingface dataset:
I had opened a Chase Freedom credit card with Chase. I also had XXXX other accounts related to this company. On XXXX 2015 statement it clearly identifies that the 0 % promotion was still active and that it was going to be expiring in XX/XX/2015. That is all that it showed ; it did not give a specific date indicating the promotional expiration. 

I paid the card off in full by the due date and thought everything was ok ; I paid off the 0 % balance. 

Then in XX/XX/XXXX statement they charged me XXXX in interest charges. I tried contacting the company and XXXX " supervisors '' ( XXXX and XXXX ) refused to refund the interest charges. They then claimed that the promotion expired on XXXX/XXXX/2015 and that their interest charge was valid. If that were true ; why did the statement generated on XXXX/XXXX/2015 still indicate that there was still a promotion and still showed XX/XX/2015 as the expiration date?!?!?! 

Not only is all of this misleading I think this company is trying to take as much money from people as they can. This is the XXXX company that has ever done something like this and I do n't think I am the only person who they are doing this to. I pay off my credit cards every month and I also pay off my 0 % balances. 

As of today XXXX/XXXX/2015 I have closed ALL ACCOUNTS with Chase. Even a recently opened Amazon account. They lost a customer over XXXX interest charges ; that just tells me this company is working under false practices and does not care about their customers. 

I would like for this company to be investigated as much as possible. It is not right what they are doing. On a final note ; I know that cancelling the cards will affect my credit score .... but I am willing to take that hit and separate myself from a corrupt corporation. 

I will be uploading my XXXX and XXXX statements. Keep in mind when reading them that they indicated to me over the phone that the expiration was XXXX/XXXX/2015 ; but, nowhere does it state this on the statements. And in XXXX statement the notes in regards to the promotional balance are gone ; which if the expiration was truly XXXX/XXXX/2015 then it should have been removed from the statement generated XXXX/XXXX/2015 as well.
I now have what I feared developing from my multiple XXXX accounts. Even though I was NOT posted as late, I never was 60 days late and my complaint to you was concerning my inability to contact them to make a payment they posted late payments to my credit files. That said even though I paid off my Mortgage {$50000.00} and a considerable portion of my debt was eliminated and currently XXXX balance on my accounts I have a XXXX credit score. I find this very disturbing that I should be such a credit risk and so low a score. The have literally taken away my ability to do anything! In my opinion an evil farce since the credit bureaus tell me its the lenders who generate the credit scores not them????. I am disturbed that so many " honorable people '' ca n't do a darn thing!!!! To boot I must pay or join to get my credit score- coerced to pay to get the score?
Good day Im a XXXX from XXXX XXXX XXXX XXXX  on XXXX, Florida i send Money ( XXXX XXXX ) from XXXX XXXX XXXX XXXX on XX/XX/2018 with an Oder No. XXXX after i send the money for an online transaction i recieved a confirmation from ria financial services that my money was delivered for my recipent bank account but after how maney days the money does not yet came to his account but it was deducted on my XXXX bank XXXX XXXX XXXX account here in US i try to email ria finacial services but still they have no reply on my messages but as per my recipient bank XXXX cancel the transaction but they didn't return the money on my XXXX bank account..
I recently pulled my credit report and I noticed fraudulent accounts that were open undermy name I have never applied for these accounts. I have filed for identity theft report with ftc for these accounts.
I obtained my credit report and discovered multiple errors with accounts from  XXXX   XXXX   XXXX   XXXX  stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did  XXXX ,  XXXX , and Experian disputed these bogus accounts. There is no account numbers associated with these accounts.
I never gave authorization for credco to inquire as to my credit status. I would like that " hard inquiry '' removed from any and all credit reports. Thanks
Received a call on XX/XX/2018 around XXXX XXXX. By a company called East point  recovery. They asked for a person named XXXX XXXX XXXX, I am not that person. I have received this call multiple times and told them to stop calling me. I am not that person. Cease and desist calling me.
ON WED XX/XX/XXXX MY HUSBAND AND I RECIEVED AN EMAIL FROM GM FINANCIAL FOR A BALANCE OF {$740.00} AND ANOTHER PMT THAT WOULD BE DUE XX/XX/XXXX BUT WE QUALIFIED FOR A DERFERMENT WHICH WOULD PUT TWO FULL PMTS AT THE END OF THE LOAN BUT NEEDED TO CONTACT THE OFFICE BY XXXX. ( THEIR LOCATED IN XXXX ) I REPLIED VIA EMAIL TO THE SENDER ( XXXX XXXX ) IF WE COULD PAY {$300.00} NEXT FRIDAY XX/XX/XXXX ON HUSBANDS NEXT PAY BUT WAS NO REPONSE OR CALL BACK FROM HER OR ANYONE. I THEN ATTEMPTED TO MAKE ARRANGEMENTS BUT MY HUSBAND HAD TO TAKE THE CHANCE OF BEING FIRED WHILE BEING ON HIS PHONE AT WORK TO CALL AND GIVE THEM PERMISSION TO DISCUSS THE ACCT WITH ME. WE HAD ALREADY SENT IN THE PROPER DOCUMENTATION REQUESTED BY GM TO BE AUTHORIZED TO SPEAK WITH ME BUT HIS HAS ALWAYS BEEN THE ISSUE EVERY TIME I'VE HAD TO CALL THEM. IN ORDER TO COMPLETE THE DEFERMENT MY HUSBAND AGAIN HAD TO BE SPOKEN WITH TO GET A PIN NUMBER TO AGREE TO THE PROCESS AND WE WERE TOLD IT WAS {$52.00} TO FINALIZE THE AGREEMENT SO I USED XXXX XXXX AND DEBIT CARD TO PAY A TOTAL OF {$60.00}. IT WAS AFTER THAT WE WERE TOLD THE REPO COMPANY COULD STILL COME OUT FOR THE VEHICLE BUT WE KEPT OUR FAITH THAT WE WOULD BE OK AND THINGS WOULD WORK OUT AND WE'D GET BACK ON TRACK. MY HUSBAND LEFT FOR WORK THIS MORNING AT XXXX AND AROUND XXXX SURE ENOUGH XXXX XXXX XXXX XXXX XXXX WAS LOADING UP THE TRUCK. THE DRIVER WAS FRIENDLY BUT WAS GIVEN ORDERS TO COME GET HE TRUCK SO ONLY DOING HIS JOB IT WAS GM WHO DIDNT GET THE DOCUMENTS TO THE REPO COMPANY TO SEIZE THE REPO IN TIME SO NOW THEY SAID THE DEFERMENT NO LONGER IS AVAILIBLE AND TO GET THE TRUCK BACK WE NEED TO PAY {$1400.00}. MY HUSBAND JUST STARTED WORKING 10 HOURS A DAY AND WE HAVE XXXX DAUGHTERS XXXX AND XXXX WHO I NOW HAVE NO TRANSPORTATION IN THE EVENT OF AN EMERGENCY ISSUE AS WELL AS I WAS DIAGNOESD WITH XXXX XXXX SO HAVE HAD TO SCHEDULE MY APPTS. WE ARE VERY DISATISFIED WITH THE TREATMENT WE HAVE RECIEVED FROM GM AND HURT A FINANCE COMPANY IS MORE THAN WILLING TO SHATTER LIVES RATHER THAN WORK WITH MORE COMPATION WITH PEOPLE WHO HAVE ROUGH TIMES FINANCIALLY.
I was notify by my credit union of the writ of garnishment. They have put a hold on my account and my step-father account too. I do not recall this credit card account. I did not receive either notice of either kind. The debt collector paid the amount owed or make a settlement offer. I repeat I do not recall this account.
I opened a checking account with BMO Harris Bank and opted in to " overdraft protection '' however after several attempts and even causing me to be stranded they will NOT allow me to overdraft account for purchases or via atm such as other banks do up to a certain amount with fees for the overdraft BMO Harris refuses to allow my account to overdraft and I was stranded one time also BMO Harris bank promised to provide a {$200.00} just for opening an account in 90 days however did not do so and even promised {$50.00} for enrollment into paperless statements and refuse to do so they need investigated for false advertisement I was never told by Branch Manager in XXXX Ks for the {$200.00} u must have {$600.00} in deposits each month for the {$200.00} reward bonus until I called BmO bank customer service and learned that they are a XXXX bank I encourage anyone reading this to utilize another bank!!! Shame on BmO Harris Bank
i was a victim of scam which many times i have addressed issue to cfpb regarding both XXXX XXXX XXXX and wells fargo bank who refuse to cooperate to recover my loss the loss i suffered and still not willing to cooperate to resolve issue matter of my scam and my recovery of loss i suffered through the scam i suffered.
On XXXX XXXX, 2016 I used my mobile app to log into my account with US Bank. I received a notice that the site could not be accessed at this time. I tried again at a later time and got a message to call a XXXX number. I called the number and the person told me that they have no information except that the accounts I have are being closed due to fraud and that I have to talk to a branch manager. On XXXX XXXX, 2016 at XXXX am I talked with XXXX XXXX Branch Assistant Manager and he " unfroze '' my personal account but told me that my joint account with my son is being closed do to fraud. XXXX XXXX would not tell me who, what, where, how and why I am responsible to an incident relating to my son 's personal account. He did give me a REF # XXXX and a XXXX number to call to find out details about my account. I called the number and made contact with " XXXX '' in the Deposit Risk Prevention Department XXXX. XXXX told me that my joint account with my son is being closed and that any funds will be used to offset any loss in regards to my son 's personal account. I asked her what is going on? Why am I responsible? and to who can I contact to get the information in regards to my account. She told me that she had already explained to me that the account is being closed do to fraud on my son 's personal account and that she could not divulge any other information.
Great Lakes is my student loan servicer and my loan ( Dir Stafford Sub and Unsub ) is currently past due because they used unethical and illegal means of denying me access to the income driven repayment options available to me. Each time I tried to reapply/re-enroll in the income driven program that I was already enrolled in, their website would not allow me access to the different sites that I was sent to. When I called customer service about this issue, I was told I would be sent paperwork in regards to the matter but did n't receive the paperwork so I could remain on the income-driven repayment options. On the last day of eligibility, one of their representatives called me and asked was I still interested in being enrolled in the income-driven repayment option and I told the person 'yes ' but nothing happened and a few days later, I was no longer enrolled and then the late/non-payments started being applied to my account and then it went on my credit history with the credit bureaus as non-payments when I am still eligible for the income-driven repayment options, but they would n't fix the issues with the website or send me any paperwork to keep my eligibility. Each time I 've spoken with them when they call about receiving payment, but no one at Great Lakes has fixed this issue. I need help here.
I have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. XXXX  responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XXXX XXXX. XX/XX/2018 XXXX received dispute letters in regards to inquiries. Their response on XX/XX/2018 from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent Experian two dispute letters, one for my inquiries and one for several inquiries on my credit report. Experian has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.
I sent a letters to have this account removed. I asked the company to provide my signature of our agreement. I asked them to remove this information off my credit file.
We are in the middle of a short sale review with Wells Fargo, the mortgage servicer when suddenly, a foreclosure date was assigned on the house as recent as last week. We already sent over all the pertinent documents as of XX/XX/18 and had been working directly with the short sale negotiator as of XX/XX/18. Wells Fargo did not order a full interior value and only ordered the exterior value which came back highly inflated from actual market values of the local neighborhood. Without the interior value, the Investor of the loan does not have an accurate picture of the house 's condition. We were told to submit a value dispute packet in order to re-review the file if an interior value request would be acceptable. We submitted the value dispute immediately at the same time that the Homeowner received a foreclosure notice. When we requested that Wells Fargo postpone the foreclosure date since we are in the middle of a short sale review. Wells Fargo is refusing to postpone the foreclosure date, despite knowing that a value dispute review itself could take up to 15 business days to complete and not to mention, the amount of time it takes to go through a counter offer phase and then, approval.
RE : MULLOOLY, JEFFREY, ROONEY & FLYNN LLPThis purported law firm claiming that I owe their client money is vague, deceptive, inaccurate, and fictitious. Not only do they not provide details, such as any hospitalization dates, reasons for service, or itemized billing, they also fail to provide my legal name, age, date of birth, as well as acknowledge my nearly 45 years of having full and complete medical coverage. 

Even though they have my address, they have me listed by a similar, but wrong name. I was never hospitalized recently by the hospital they claim. My health insurance is under my married name, which is entirely different from the similar maiden name they have listed that I have not used in years. Clearly this organization has the wrong XXXX XXXX but they 've got the right XXXX when it comes to fighting them. 

In regards to their specific " complaint '', labeled 1 to XXXX. ) They allegedly represent a hospital, XXXX that has never contacted me directly. 
2. ) I never transacted business with this organization. 
3. ) There was never an " agreement '' between me and the listed hospital, nor is there an exact agreement specified in the documentation. 
4. ) No conditions were performed by the hospital and, again, no agreement has been listed. 
5. ) I am not the person they list who " refused to perform '' at a hospital. I did not leave a balance due anywhere. Once again the " said agreement '' is not even listed, because it is a fictitious lie and scam. 

To make matters worse, I was alerted by my doormen for several days regarding a man " dressed like he was from the street '', coming to my home asking for me, claiming he " had something for me '' ( he finally ended up leaving paperwork ) trying to see me in person. Being a full time stay-at-home mother, this caused much alarm, and resulted in me pulling my son out of any summer activities, notifying the police, and overall fearing the safety and lives of myself and my family, all because of a direct attempt to harass and try and hustle money from the entirely wrong person. 

When you XXXX " Mullooly, Jeffrey, Rooney & Flynn, LLP '', the very first search engine results page reveals their information on a web site entitled XXXX, followed by a Harassment section dedicated entirely to them at XXXX, and an unsatisfactory business report via XXXX. 

Not only do I dispute this wrongful, libelous accusation, I will also be filing a complaint against this so-called law firm ( debt collector ) as well as the hospital listed, with : XXXX ( XXXX ) DCA ( Department of Consumer Affairs ) FTC ( Federal Trade Commission ) XXXX ( Inspector General 's Office ) AG ( New York Attorney General 's Office ) I will also plan to sue this so-called law firm ( debt collector ) as well as the hospital listed, for any and all possible legal fees incurred as well as punitive damages ( libel, harassment, stalking, causing me to fear for the safety of myself and my family, mistakenly threatening my good credit, wasting my time on frivolity, etc. ) all derived from a hospital bill that is clearly not mine.
I demand to see verifiable proof of this information listed on my report " PUBLIC RECORD : US BKPT CT AZ  XXXX  -  XXXX  ''
I have stuff on my report that does not belong to me, i go by XXXX not XXXX
I am a military spouse, my wife joined the XXXX in XX/XX/XXXX and is currently serving on XXXX XXXX. I purchased a motorcycle in XX/XX/XXXX. Harley Davidson has denied me a lower rate under the scra and MLA. I have multiple emails from XXXX I have sent in my wife 's orders, the scra and MLA and I have been denied. I have also sent them every letter from other agencies showing they have provided me benefits under both the scra and MLA. 

XXXX XXXX XXXX
In XXXX XXXX, I was in a bad XXXX accident that caused me to fall into financial trouble. In XXXX XXXX, I was able to make a payment to catch up my mortgages that would have left me in good-standing as of XXXX XXXX, XXXX. After paying the full payment amount they indicated after going through their automatic system and speaking with XXXX people ( $ XXXX {$160.00} ), they stated that they only received $ XXXX {$160.00} and it still does not bring my accounts to good-standing regardless of the statements and information given to me. Even after confirmation with my Bank stating that they received the full payments of $ XXXX {$160.00}, Freedom Mortgage has continued to state that they can not find the money or that it has been misapplied but are not resolving the issue. They continue to delay and are refusing to resolve the issue after a month of continual calls and interactions.
I called XXXX of the credit companies and requested it be sent by mail. That was two months ago. How can a person prove that when all I talked to was a computer?
To Whom It May Concern.. 

XX/XX/XXXX XXXX approved XXXX six year loan.. ... ... New XXXX XXXX XX/XX/XXXX After XXXX XXXX XXXX payments I decided to sale ... I owed approximately {$12000.00} to XXXX. 

XX/XX/XXXX Contacted XXXX informed them of buyers offer, and car will be sold in less than 30 days. 
I was advised that If payment was not made in 30 days penalties will be assessed. 


XX/XX/XXXX Receive check from buyer ... .... {$18000.00} ... XXXX profit.. Car sold.. 

XX/XX/XXXX New buyer in route ... ... .Check in hand.. 

XX/XX/XXXX Car repossessed ... ... No communication refuse to talk.. 

XX/XX/XXXX Bank auctions car for {$12000.00} ... .. Charges me {$7500.00} and destroys my credit ... 

This was a crime.. 

Please help ... 

XXXX XXXX
I was unfairly treated by you mortgage dept I will be happy to discuss this my phone number is XXXX XXXX XXXX
I have made multiple complaints with Experian for verifying my accounts with  XXXX   XXXX . There are  XXXX  accounts that are currently being reported past the seven year period of the original date of delinquency. I have made several attempts and most recently speaking with a representative on  XX/XX/2017    by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.
I have been attempting to get my credit report reviewed but I 've been unsuccessful. I was a victim of identity theft and I 've sent all XXXX credit bureaus my police report. I 've had multiple items removed and reinserted and when I try to dispute ... .in return I get a letter stating that they have previously disputed this matter and the previous status remains the same. I have yet to receive any verification in regards to these debts and I have sent multiple 609 letters with no success. The accounts are to verify that these XXXX companies are reporting correctly XXXX, and late pays with XXXX. With XXXX I had insurance and advised that the insurance paid the balance but then was later informed that they only paid a portion. I was in the military and was XXXX so I was forced to get out of the military which caused me to be unemployed and unable to pay my bills. This is why I utilized the insurance with these XXXX companies which I was later informed that I still had a balance.
I was a participant in the class settlement with Ocwen for misapplication of payments. I had some account adjustments done effective XX/XX/2018 to reduce principal due to the company 's misapplication of prior payments. Starting in XX/XX/XXXX, I have noticed a lot of strange adjustments on my account. There are several negative entries in the exact same amount of my normal ( bi-weekly ) mortgage payment. I have reviewed the payment schedule, and spoke to Customer Service, but all they told me was that this was " correcting a misapplication of payments ''. I asked if it was due to the class action settlement, and was told that it was not. Clearly this person was just reading off of a script because he told me the " procedure '' directed him to refer me to a website and/or phone number about the class action settlement. I have also received a past due notice, despite NEVER missing a payment, and was told by Customer Service this was an error. I am not confident in Ocwen 's ability to apply my money in a correct and honest manner. I want to have a complete review of my account because I do not trust Ocwen.
Paypal credit services and XXXX XXXX have done XXXX ( XXXX ) hard inquiries on my credit reports that I did not authorize. I have written letters to both companies and contacted both via mail and fax. Neither one will remove my hard credit inquiries even though I never applied for credit with them.
On XXXX XXXX, XXXX, I sent a wire from my XXXX Bank account for XXXX to XXXX XXXX XXXX. According to the wire instructions, it was to go to a Wells Fargo bank in XXXX XXXX. The wire ended up going to XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. What I learned on XXXX XXXX was that XXXX XXXX XXXX never received the wire. It appears the email correspondence had been compromised by someone else. XXXX XXXX XXXX called the FBI and started an internal investigation. XXXX also called Wells Fargo because XXXX DOES NOT have ANY accounts with Wells Fargo. Wells Fargo confirmed the account that received the money was not in the name of XXXX XXXX XXXX nor any of its officers. Wells Fargo refused to return my money despite this being an apparent violation of anti money laundering laws passed after XXXX. My wire should have been rejected by Wells Fargo as the name of the wire did not match with any name on the receiving account. I called XXXX who closed one investigation but currently has a global investigation open through my local branch manager. I contact XXXX and XXXX in XXXX XXXX who wrote a demand of payment to the Wells Fargo branch in XXXX with no response. I also filed a complaint with the OCC, and the Texas Banking Commission, and IC3. I have a police report and an open investigation with the XXXX County Sheriff 's office. Wells Fargo will not talk to me because I am not the account owner. XXXX XXXX XXXX is willing to share their findings with any federal investigator. Here is the account information of the transfer I was sent. 
Wells Fargo XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX Routing Number : XXXX Swift : XXXX Here is the transaction number. 



Wire To Wire From Wire Amount Wire Date Transaction Number XXXX XXXX XXXX ( ... XXXX ) PREMIER PLUS CKG ( ... ) {$50000.00} ( USD ) XXXX/XXXX/XXXX XXXX