WillisBack/dataset-financial-user-claim huggingface dataset:
My wallet was stolen in XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.
I checked my credit score from an e-mail from XXXX XXXX. They made a recommendation to me to apply for the American Express Blue Cash Everyday card. I clicked on the link and was offered a {$250.00} cash back offer if I spent {$1000.00} in the first 90 days of having the card. I was approved and received the card. After I purchased the required {$1000.00} I use their chat window to confirm I had met the requirement. The chat representative said there was only a {$100.00} cash back offer on my account. After not getting anywhere I requested a Supervisor. I was told I had a Supervisor on the chat and explained the problem. She said I had n't met the requirement of spending {$1000.00} ( which I knew I did ) and I asked her if she saw the {$250.00} offer on my account, she said " maybe you did n't apply in time, '' I told her how I got to the offer and that I applied immediately right then on the site. She said " I 'll check into that. '' I said I have a screenshot of the offer, and suddenly she disconnected the chat. I searched XXXX for {$250.00} cash back offer from American Express and to my surprise there were numerous links talking about how the {$250.00} offer from Amex is hidden once you 've gone to the site. There were sites that explained that if you clear your browser history you might be able to see the original offer. Others said if you use Google Chrome Incognito you could see the offer again. Others still said if you clear your browser and try the link you may get it on the 2nd, 3rd, or 4th attempt if you cleared your browser history each time. I called Amex and asked for a Supervisor who said only the {$100.00} offer was on the account and I must have applied too late. I tried what those sites on the search and indeed came up, in addition to the {$100.00} offer a {$150.00} offer and have a screenshot of the {$250.00} offer. They ( Amex ) told me they would get back to me on XX/XX/XXXX. I received a call as promised and the woman said that I was declined to receive the {$250.00} offer. I told them I would file a complaint with you and the XXXX.
XXXX of XXXX i recvd a call from my then XXXX year old cousin. He said his parents had kicked him out. I drove 4 hours to pick him up. He turned XXXX on XX/XX/XXXX. I took care of his needs financially until he got a job in XXXX. He asked if i would finance a car for him. We bought an old, used truck, he said he wanted. I put lots of money into this vehicle over the time he drove it. He signed a contract to purchase the vehicle and agreed to pay me XXXX monthly. He also agreed once he was working to pay me XXXX a month for rent, utilities. Some of these payments he did by wire transfer from his account to mine. XXXX to XXXX i believe. He became angry that i wouldnt let him drink so he left, leaving the car. He went to the bank and committed fraud by disputing the wire transfers. They pulled XXXX dollars out of my account, unaware of a contract. I want the money put back into my account. We both bank at arrest bank and i was on his account. The bank now has a copy of my contract with XXXX XXXX.
I was trying to lol I my account with XXXX but the company dont allow me to donso
NAVIANT has been unwilling to make my monthly payments manageable amount, even through hardship letters, and proof of income statements. I have had no flexibility on what day each month my payment is auto drafted.
Financing terms of loan/line of credit include deferred interest, waived if the total balance is paid in full before the end of the promotional period. No payments are due during the promotional period. 

However, the statements provided ( I just received my first one ) are confusing - they show " interest charged '' with such interest amount included in the " New Balance ''.

There is a box in the middle of the statement that states if the current pay off amount ( which is the New Balance less the interest charged amount ) by the promotion expiration date, the total interest charged plus any additional accrued interest will be waived. 

While I personally know that I am technically not being charged the interest unless I do not pay the principal balance in full before the end of the promotional period, I fear that this confusing presentation of the information may cause unsuspecting consumers to think they need to pay the total new balance amount, which includes interest.
XXXX has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Citi Bank currently offers Banking promotion which states " deposit XXXX within 30 days of account opening to get {$600.00} bonus ''. The promotion is done online only. Citi bank starts counting the days from the day you file the application online. Although the account gets approved in 3-4 days after application, the consumer CAN NOT LOG INTO account until they get a debit card which may take 2-3 weeks. Citibank requires a DEBIT CARD to be Handy to Activate the Account. Without a debit card, the consumer can not ACTIVATE THE ACCOUNT. Infact citibank will not even issue your account number without debit card activation. Hence the consumer is already at a narrow window and only gets 1 week time to deposit the money. In my case, Citibank never sent me a debit card or it got lost in the mail. They resend me the card and hence I already passed the deposit window. Because of this, Citibank states that I am not eligible for the bonus when in fact it was no fault of mine. Citi Bank failed to send me debit card without which I can not activate the account nor deposit money. Hence, it looks like it's a false marketing strategy to invite new customers and delay their deposits to make them ineligible for the bonus. Request for intervention. Name : XXXX XXXX Citi Account number : Citi Gold Checking XXXX Citi Gold Saving XXXX
I submitted a loss mitigation package to my lender, SPS, on XX/XX/2018. I then submitted more documents on XX/XX/2018 to complete the package. I am now being told by SPS that there is nothing they can do because the sale date is too close. My sale date is scheduled for XX/XX/2018. I am a US Veteran and no one from SPS ever reached out to me to offer me any assistance. I have never been assigned a designated point of contact and the excuse that there is not enough time to review the information I sent on XX/XX/2018 is absurd and a violation to my rights. SPS has always given me the run around and now I am forced with no other options.
Originally, I filed a complaint ( XXXX ) against Chase Bank on XX/XX/XXXX in response to the manner and method they used to close a checking account I opened in one of their branches! As a customer, I thought it was rather odd to close an account which had been open only a few days and without giving me a reason or chance to defend myself! 

XX/XX/XXXX, Chase Executive office replied to my complaint with a letter and sending me a copy of the, Deposit Account Agreement Privacy Notice, which was given when I opened this account. They went on to elaborate and say, " We are not required to give you a reason for our decision to close the account '' Moreover, they also pointed out, " Our decision to close your account will not change '' In my defense, I never said, they were " required '' to give a reason! Naturally, I requested a reason because I wanted to know what I did wrong so I could correct the problem. Additionally, I never said my account should n't have been closed nor did I asked for it to be reopened! 

Truthfully when I submitted my complaint, I was thinking an independent objective outside source would consider the facts from both parties then render a decision
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
No safe guards for my personal financial profile at Equifax- their data base hacked with my credit files
I had a lease with XXXX XXXX XXXX that ended XXXX of 2018, I paid my last months dues and thought I was finished. XXXX claims to have sent me an invoice regarding a {$390.00} " Disposition Fee '' however I never received any letter or invoice stating how much was due. Even if the amount was due I have screen shots of my balance at {$0.00} owed and was not allowed to log back in once I made my final payment. 

I received a collection letter from an agency requesting a payment of {$390.00}, I don't want it reflecting on my credit report as I never knew this amount was due and was not informed of this in anyway. 

XXXX claims to have mailed letters but theres no proof of delivery
Inaccurate information showing on my credit report which is violation of the FTC and Fair Credit Act.
I worked at XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX, under XXXX XXXX XXXX . I enrolled in the 401K program to start in XX/XX/XXXX. Authorizing Wells Fargo to take {$100.00} every two weeks out of my pay check to go into my 401K account. 

I left the company ( XXXX XXXX XXXX ) in XX/XX/XXXX just prior to the hospital moving to another location under the name XXXX XXXX XXXX XXXX XXXX Texas. I spoke with a Wells Fargo representative regarding my 401K, and was told " no need to transfer or take my money out, it could stay in Wells Fargo account and grow Intrest ''. 

Recently I opened an account with Wells Fargo and my Social Security number, date of birth, old address was already in their account for me. At that time I asked the representative what was my 401K amount now? She reported I had a {$00.00} balance. 

I notified The XXXX XXXX, who reffered me to XXXX XXXX the benifit administrator for XXXX. Since XX/XX/XXXX I have constantly spoken with different reprsentatives from Wells Fargo, each one promising to take care of the issue. 

Still no resolution for the {$6400.00} plus interest I placed in this account. In addition, I was told " Wells Fargo only go back for 7 years '' One representative saying to me " its been so long I don't know where the money went, with no activity, it probably just went back to Wells Fargo ''. My homestead burned down in XX/XX/XXXX where all my business information, college diploma, and other information was destroyed. Still the XXXX should have old check stubs, as should Wells Fargo regarding an employees information an transactions regarding our accounts.
This is a new compl aint of bad faith and fraudulent banking activities by Wells Fargo Bank Home Mortgage relating to a Wells Fargo Mortgage Backed Security. Despite this circumstance I had tried to act in good faith to pursue a short sale resolution. I have been acting in good faith to complete a short sale with Wells Fargo bank and during that effort they scheduled a foreclosure sale date while we were making significant progress toward resolution. They are and have been acting in bad faith in response to my good faith efforts. I had fully engaged in the short sale process and had secured a qualified buyer of the property. We were in the process of negotiating a purchase, they responded by stalling the process, through an unnecessary three we ek delay in responding to our counter offer, and then saying sorry your house is being auctioned and now we have no time to process a new offer. They said you can try but we can not change the sale date from  XXXX   XXXX  at  XXXX . My question is if they are interested in changing their abusive, near predatory, internal policies WHY can they not extend the sale date for at least a few weeks to see if I can respond with an acceptable offer. At this point we are in full agreement that the price would need to {>= $1,000,000}.   Why ca n't they work with their customers and do the right thing instead of continuing their inappropriate business tactics. CHANGE THE SCHEDULED SALE DATE!!   This has been going on for over 10 years which began with my investigation and confirmation of fraudulent mortgage lending p ractices. ( T he report from  XXXX   XXXX   XXXX  has been submitted to them with full supportive detail ). I would resubmit that contention as part of this complaint and will be reaching back out to  XXXX   XXXX  to update that analysis.
Around two to three months ago unsure of the exact date. Me and my girlfriend were setting up a baby shower and we went through a party retailer to rent tables chairs etc. the retailer was asking a deposit of 50 % which was only refundable up until a certain day before the event. A family member was able to help us with chairs and tables hence we decided we wouldnt need their services so it being serveral days before the last day to refund we called and asked but they kept denying our refund saying it was too late even though we had not past the discussed date. So I went through my bank to try and charge back and get my XXXX $ back seeing how these people were attempting to take advantage of me. Then fast forward 2/3 months and my bank denied my charge back saying the merchant has the right. That they got a signature ( which is not even mine ) I never read any of the paper work or agreed. So now my bank has sided with them saying I have no right to a refund even through I requested one before the due date the merchant is saying we attempted to request it after and that is their reason for denying us our refund. The merchant wont do anything to help us and my bank wont either. The merchant never provided any service or product and are charging me XXXX . I feel like Im being cheated by my bank and the justice system. I work hard everyday and have a kid on the way these people literally left with no money in my account and are just trying to dust me under the rug.
Our mortgage company Select Portfolio Servicing is horrible at helping their clients save their homes. We have been fighting with them since XX/XX/XXXX to save our home. We have tried everything from modification requests, bankruptcy, repayment plans and we have been turned down on everyone request. XX/XX/XXXX we had {$20000.00} to put towards our arrearages and SPS denied us any kind of modification. We have talked to so many different agents and got different answers to the same questions. One agent would say yes you can and the next would say it 's too late after all the paperwork was done. They need to be retrained so the left hand knows what the right hand is doing. We are now working with an HUD counseling agent who gave us this website because she agrees that we have been given the run around and with our income and the money we HAD to put towards our arrearages that we should have been given a modification plan. We would like an investigation done on their practices because we are not the only ones that have been denied or are having the same problem.
I signed up for XXXX when i first enroll to XXXX XXXX. one day i had a talk with the chairman of XXXX XXXX he stated that the school was going to be remove the XXXX XXXX classes. i switched from XXXX to XXXX me thinking my credits would transfer. graduated 2012 they stated they would help me find a job but never really tried to help me school closing affected me getting a job because most jobs require XXXX XXXX, non of my credits were transferable. before i enroll in XXXX XXXX they stated some credits would transfer. right now i have a hard time paying back and looking for a job where i can put my diploma in use the loans have affected my credit i cant apply for no more loans and go back to school even if i could i would have to start from the beginning due to my credits not transferring.
When I went to open a checkings account I was denied at TD Bank. I then discovered about an account where at the time the account was reported open I was a minor and I should not be responsible for the balance. These such items have been included with my report due to overdrafts. Thank you
XXXX XXXX, 2015 - Called XXXX / US Bank Home mortgage because I discovered that additional/extra payments were being applied to future due payment, not towards additional principal. Spoke with XXXX to resolve, he advised that previous payments can not be changed and that I must send in paper checks or pay on their website ( allowing ACH ). Asked to escalate to management and was disconnected. Called back and spoke with multiple people : senior representative, XXXX ( ID ROM ), team lead, XXXX XXXX, XXXX ' manager, XXXX XXXX. Was advised they will reverse only future monthly payments towards additional principal and will not correct retroactively. 

XXXX XXXX, 2015 - Called back and spoke with XXXX. Informed them they only applied two extra payments towards additional principal and then reverted to future monthly payments. XXXX advised she will correct this and while putting me on hold the call was disconnected. 

It has been more than one year since I called them last XXXX. I do not know how long before that date my extra payments were not being applied towards additional principal. Despite calling them multiple times, the issue still still remains unresolved. I have even set up two monthly payments for different amounts per their request with the memo stating " additional principal payment, '' and yet my payments are being applied towards future due payments. This lack of correction on part of XXXX XXXX / US Bank Home Mortgage is costing me a lot of money every month and making them a lot of money every month.
On XX/XX/2018 I received an alert from my credit monitoring that this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law and popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Receivables Management Group., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Receivables Management Group illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.
My mother died in XXXX of XXXX. She had been living in XXXX XXXX. We proceeded to close all her banking account and transferred the funds out here to XXXX. Among those accounts were several accounts in a branch of HSBC in XXXX XXXX XXXX. In XXXX of this year, my wife and i discovered a check dated XX/XX/XXXXissued in the name of my mother and myself from HSBC that had never been cashed. The check was for {$41000.00} and the check number was # XXXX. I contacted HSBC about what was the status of the funds represented by the check I was informed that HSBC did not not keep records beyond seven years. and all records were transferred to XXXX XXXX XXXX after seven years had lapsed. XXXX XXXX found only that the check had been stopped and referred me to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in turn referred me to your office. It seems to me that the bank would keep records for a longer time than seven years. I work with court records all the time and records immediately available on the computer systems go back beyond the year XXXX.
I recently reviewed my credit report ( because I became suspicious after receiving various calls from countless collection agencies calling my house ) on XXXX XXXX, XXXX, via XXXX and therefore, I became aware of odd credit card accounts lodged on my credit report which does not belong to me. I am classifying this incident as a breach of my personal identity and thus reporting this as fraudulent activity against me. I was a prior victim of identity theft back in XXXX, while XXXX during my eleven and a half years in XXXX XXXX ( this situation seems to be never ending ). Now, I am finding out I have fallen victim to the same circumstance like XXXX incident, in which my mother filed the police report on my behalf during my XXXX and placed various fraud alerts and a credit freeze on all three credit files, plus reports with other government agencies. I have filed an online identity theft report with www.identitytheft.gov, ref # XXXX ; filed a credit bureau fraud alert at XXXX  confirmation number : XXXX ; and filed a fraud alert with the Federal Trade Commission at www.consumer.ftc.gov, ref # XXXX. I did not authorize, collude, conspire, or give authorization, or grant permission for anyone to open up any credit card account in my name, nor did I have prior knowledge of any accounts opened in my name.
On XXXX/XXXX/2017 I initiated a transfer of funds to my brother for {$500.00}. On XXXX/XXXX/2017, I was informed by my brother that he never received the payment. I realized that I entered the wrong phone number by XXXX digit. I immediately contacted the bank and filed a claim. I was told it would take 10 business days to resolve. I called regularly for updates. Was told that the person who did receive the funds was also a Bank of America customer and that the bank would try to contact them. On XXXX/XXXX/2017 I received a letter stating that the claim was closed and that I would not receive my money back. The bank had attempted to reach the other party but did not receive a response, however after speaking with a BOA rep, I was informed that the bank only tried to call the other party 3 times and did not begin trying to contact them until XXXX/XXXX/2017, which was 14 days after my initial claim was filed. I feel that BOA did not do a through job in trying to resolve this issue for me at all.
My husband passed away and as a result I ended up in a Chapter XXXX bankruptcy which was discharged on XX/XX/2014. However, Peoples United ( loan # XXXX ) is still showing that I owe a balance of {$150000.00} on a debt that was discharged in the bankruptcy which is driving down my credit scores and keeping me from re-establishing my credit. At almost XXXX years old I am not very good at fighting these things and was told to ask you for help.
My son 's student loans were referred by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) toXXXX Services of XXXX, New York for collection. I wrote ConServe on XXXX/XXXX/XX/XX/XXXX requesting copies for balance sheets for the XXXX loans, showing how the payments I had made for several years had been credited. On XXXX/XXXX/XX/XX/XXXX, they responded with statements of the totals owed for the XXXX laons, but not the breakdown of payments that I had made. I wrote them on XXXX/XXXXXX/XX/XXXX again requesting balance sheets for each loan, so I could ascertain how the payments that I made had been applied. I received no response from them. On XXXX/XXXX/XX/XX/XXXX my son receioved notification that his federal tax refund of over {$1000.00} had been offset at the request of XXXX. On XXXX he received notification that the same XXXX loansad been referred to XXXX XXXX XXXX for collection. I wrote XXXX on XXXX/XXXX/XX/XX/XXXX disputing the debt, and requesting the same information that I previously requester from ConServe.