WillisBack/dataset-financial-user-claim huggingface dataset:
Ban k of American  offered a  XXXX  signature credit card in connection with   XXXX    XXXX . As part of the inducement to apply they offered  XXXX  bonus miles and a companion ticket for the cost of the taxes and fees associated with the fare of the ticket. They offered apply now and book your travel immediately. This is not true. Although I was immediately approved for the card and immediately made the required purchases, when I received the actual card an " insert '' stated that the miles and the companion ticket would not be issued for up to  two  more billing cycles.   I would not have filled out the application nor would I have used this card had I known I would not be able to travel within the very near future. " We look forward to traveling with you soon '' is not exactly what they mean. Applying now and if you 're instantly approved- you can book your next flight immediately " is a lie. " Buy  XXXX  ticket, and get  XXXX  for just the taxes and fees from just {$22.00} after you make {$1000.00} or more in purchaes within the first 90 days '' is another lie.
XXXX XXXX XXXX  charged off my account to XXXX XXXX XXXX per my credit report. They have not contacted me AT ALL via mail or phone call regarding this matter. Now suddenly they are calling my employer, and worse than that they are calling my boss 's direct work number!!! They have called him 4 times now just today - they tell him they need to speak to me regarding a personal credit matter - and on another call to him they told him it is regarding a collection for debt owed!!! My boss has transferred them to my direct line every time - and i don't answer because i am on the clock - so i let it go to my voicemail box - but they don't even leave a voicemail for me on my voicemail! not once have they left me a voicemail! now my boss has called me into his office and is telling me these phone calls need to stop - they are completely harassing me and they are stating details to my boss that they should not be - and they have never even contacted me directly!
USAA Credit Card Services notified my employer of 19 years, who as a result of the debt took legal action against me, terminating my employment. USAA Credit Card Services, made no attempt to contact me directly, before disclosing the debt to my employer, nor did they follow procedures to provide me the opportunity to validate the debt, before sensitive information was disclosed to my employer.
For the past two months, I 've been getting calls from some debt agency that does not identify themselves in the message. And they 're not even calling for me! They 're calling for a friend that listed me as a contact! On XX/XX/17 I received a fourth call. The message is always the same : Your friend XXXX listed you as a contact and we 're trying to reach him. Can you please have him call XXXX. Is this not illegal? That number is connected to this business : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 5 years in business. XXXX XXXX XXXX. XXXX, MT XXXX. EMAIL WEBSITE. Fax Numbers. ( XXXX ) XXXX
they say my federal student loan defaulted, so XXXX XXXX, a state agency, paid a default claim, title, and interest. I have not received any notices before, nor do I recognize this loan. All my students loans are under defferement with XXXX. As a result of this, any state tax refunds, rebates, contract wages or other amounts owed may be retained in full.
Hello, My name is XXXX XXXX XXXXMy problem has been going on for sometime. XX/XX/XXXX to be exact my orginal loan was with XXXX, then XXXX XXXX XXXX, and it is presently with HBC and is being serviced by Select Portfolio Servicing Inc, at XXXXXXXXXXXX XXXX XXXX XXXX, the person I am talking with has changed from a man to a woman named XXXX who is the new : XXXXXXXXXXXX My loan number is : XXXX. My address is XXXX XXXX XXXX XXXX, XXXX Or. XXXX, my phone is # is XXXX XXXX XXXX, my email is XXXXXXXXXXXX I have sumbitted the requested documents over and over again for home retention modification. I have participated in foreclosure mediation a year ago. The process was a sham. I have a XXXX in XXXX and XXXX in XXXX XXXX. I took the training for XXXX and observed the process of creating XXXX program and was not allowed in but a student of mine was. I knew that would happen, based on the nature of the mediation system lacking in cultural diversity. It is to much to go into here but to sum it up, banks rule the process and everyone has dance to the tune the Banks play. I found that this new CFPB is the final remaining thing I can do to try and save my home. My interest rate has been 8.99 % since XX/XX/XXXX and even though I have requested relief over the years from this inflated interest rate nothing has been done to provide a fair interest rate at a time when interest rates are a historic low. I lost a lot during the economic downturn, my ex wife died, I became a single parent. I had a XXXX XX/XX/XXXX. I got a on call job at XXXX as XXXX. I am trying to keep my XXXX going which I have had for 15 years. I have worked throughout the world XXXX in the field of XXXX. I am requesting assistance in remaining in my home. I am a XXXX year old XXXX man and it was difficult getting to this point. But here I am with a XXXX year old daughter and dog, and we are able to make it in XXXX after 25 years here I have support system. If I can get a fair loan modification with a fixed Interest rate I should be able to avoid foreclosure. I have tried to submit requested documentation via XXXX as told to and I keep getting the same documentation over and over requesting something I had submitted before. I think it is not a good process how they can just deceptively correpond and drag out my time before foreclosure sale date. I am requesting assistance from the CFPB. They are requesting what a tax request form, a social security award letter my taxes all have been sent in addition to the application for HAMPP modification with all supporting documentation regarding paystubs, bank statements, hardship letter, rental agreements. I am at the end of the line here. I am happy I found this new office of CFPB.
i have no knowledge of this account im on food stamp and XXXX. i should never of had a bill for medical expenses. im not sure if this is a billing issue but they are posting this XXXX $ debt on XXXX reports and constantly calling my phone. its obnoxious and at minimum id like them to notify me by mail only and remove this from my reports
I do n't have any credit cards and a lot of student debt so, my credit score is not very high. My job is an hour drive from my home so I needed a reliable vehicle. My interest rate was 21 %. 

I financed a vehicle for {$14000.00} in XX/XX/2012 with Santander Consumer USA. Currently I have paid them {$19000.00}. I have had some late payments which I understand can cause fees. I was looking to trade my car in because I am now driving a XXXX with XXXX miles to and from work for 2 hours every day and I have a small child who I would rather have in a more reliable vehicle. Checking the balances, I see my payoff balance is now {$13000.00}. This means over the past almost 4 years I have paid roughly {$1600.00} towards the principle out of the almost {$20000.00} I have paid towards the loan. If I pay this debt off according to their calculations, I will pay {$32000.00} for this car. There are numerous convenience and miscellaneous fees showing on my account. 

With the interest rate given, and the amount financed, I should pay a total of {$22000.00} on this loan, currently leaving me a balance of {$3400.00} NOT {$13000.00}. I have been changed and extra {$10000.00} in miscellaneous, convenience and late fees. While already paying an outrageous interest rate this company is taking advantage of people trying to build credit, then also hiding and deceiving. I was told by Santander my options were to pay the $ XXXX dollars to own the vehicle or to have it repossessed, they would sell it and then I would still owe for the remainder of the balance they would not get from the sale of the vehicle, further destroying my credit. The people I have spoken to are unknowledgeable and often say the same thing which tends me to believe everything they same is scripted. If I am late on a payment, they call me roughly once an hour while at work. 

What I want is to pay {$3400.00} to pay off and own this vehicle. That would be in alignment with my current loan and honestly that is still unfair, but is what I originally agreed to. I want Santander to remove all the errors on my account and all of the miscellaneous and convenience fees I was never aware were being charged. If this does not happen I am prepared to speak further to legal council about the laws they feel Santander has already broken. Thank you for your time and help in this matter.
The bank allowed scan by nonmatching, nonsignature, nonordered or consented to cards nor, transactions '' thus '' I can not be made to pay nonelectronical, nonconforming, bank transfers, completed by thee, merchantb '' CHASE BANK UP XXXX, AMOUNT OF {$120.00} XXXX XXXX XXXX ( (? ) {$750.00} (? ) NOTHING TO, NO ORDERS BY XXXX XXXX XXXX XXXX XXXX XXXX COMPEL PROOF CHASE WILL DODGE XXXX XXXX OBSTRUCT '', my card was losr at a store grocery after it was declined Chase has subjected me to identity theft.chase also destroyed ' '' cut up the card 's a XXXX address XXXX location when I entered I discovered my XXXX, was missing. To date no refundsplus non compliant ORDERS n cyberworld? My Credit score thanks to that XXXX dropped XXXX ... im XXXX
XXXX XXXX purchased our mortgage in XX/XX/XXXX. Our insurance and taxes at this time were escrowed. In XX/XX/XXXX I received a letter saying our insurance hasn't been paid, at that time I assumed the insurance was going to be paid before the cancellation date of XX/XX/XXXX. On XX/XX/XXXX, I received another letter from our insurance carrier ( XXXX XXXX XXXX XXXX ) that XX/XX/XXXX is the final day for payment or we would be cancelled. I called XXXX XXXX  spoke with XXXX ( a supervisor ) he said he would take caf of the problem it was an " internal issue '' and it would be taken care of. They were waiting on approval from their insurance department. I assumed it was taken care of only to have XXXX XXXX XXXX email me to ask about new insurance. I then purchased new insurance but withheld payment until I spoke with CMG. On XX/XX/XXXX I spoke with XXXX from CMG and told her they needed to pay for the insurance because they have my money. She agreed they dropped the ball and have XXXX XXXX XXXX send them an invoice they would pay the bill. On XX/XX/XXXX XXXX XXXX XXXX sent the invoice with proof on insurance to CMG for payment. As of today XX/XX/XXXX the bill has not been paid and its about to expire on XX/XX/XXXX. I called CMG on XX/XX/XXXX at 8:30am spoke with XXXX ( supervisor ) he stated they received the proof of insurance on XX/XX/XXXX ( not true ) and he would process the request and it would take 3-4 business days to issue a check and it would be overnighted. This would put us outside the window and XXXX XXXX XXXX will cancel the policy. I have spent over 3 hours on the phone over the last 1.5 months only to listen to lies about my money and my insurance. I have since left my Credit card with XXXX XXXX XXXX incase the bill is not paid by XX/XX/XXXX. I should not have to do this. Also, because of lapse of insurance my premium increased over XXXX a year. XXXX XXXX XXXX direct line XXXX ext XXXX. This truly needs to be investigated. 

Thank you
I bought my home XXXX. I had been paying for years. I had a XXXX XXXX. I XXXX  was XXXX XXXX XXXX XXXX XXXX XXXX for more than 18mthS. In XXXX the services stopped accepting my payments. They first tried to disclose in XXXX last year stating I didn't sign a document they were denied then they went for I abandoned my property while I was still on it. I could have filed bankruptcy or homestead but I wasn't cognitively aware is there anything I can do? They took all my possessions as well. I know why I wrote a letter ib XXXX to Homeland security director and I named dropped I the owner of XXXX who bought my note I. XXXX stopped reporting me to the credit bureaus that didn't matter bcuz I could noy make them is wasn't until I had brain injury was he able to get his revenge. Is there anything I can do not about his revenge but my home and posseasions. XXXX and scared. XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX,2017 we were approved for a XXXX through online.on the same day, a deposit of {$490.00} was, deposited into our account from the online loan.come to find out it was a online fraud that locked our account for almost 2 weeks now and still have no access to any of our funds.we receive direct deposit on a weekly basic and still ca n't have access to any funds.regions told us that the fraud is under investigation and that our funds will be ready no later than XX/XX/XXXX,2017.well needless to say, we still have no access to any funds.it 's been 2 weeks and still no answers..this is getting out of hand..please help us get more answers to this so we can have access to our funds..I will be going to the bank today to do a follow up and I will get back with you about what 's going on
Enhanced Recovery Company has posted a fraudulent debt that has affected my credit. I contacted the company after monitoring my credit score. Upon speaking with a representative I was informed that I had an outstanding debt with XXXX XXXX XXXX from the year 2011 that they were now in charge of collecting. Before I paid I decided to call XXXX XXXX. They informed me that I never had any such debt and that I was, in fact, not a customer during this year. I three way called the collection agency with the XXXX XXXX representative. They transferred my call 5 times before hanging up on me. I called the company back and explained that XXXX XXXX had never issued any collection information to them. They insisted that there was a debt. I again contacted XXXX XXXX cable to obtain records showing that I never owed any such debt. I called Enhanced Recovery Company again and was told they would still collect debt even with documentation from XXXX XXXX XXXX stating that I never owed the debt in the first place. I am at an ends as to what my options are.
On XX/XX/XXXX I made my mortgage payment on line to Ocwen. I always make my payments at the end of the month before XXXX XXXX. Ocwen assured me that as long as the payment is made within the month it is not considered late. 

My payment was made on line XX/XX/XXXX a little after XXXX XXXX. ( on time ) Upon checking my credit report in XX/XX/XXXX, I noticed that Ocwen reported that I was late on my mortgage payment for XX/XX/XXXX. Ocwen reported that I made the payment on XX/XX/XXXX. I immediately called Ocwen to address the issue in XX/XX/XXXX and the representative looked up the payment information and  admitted that the error was made by Ocwen and that they would correct my credit report to reflect the actual date that I went on line to make my payment. The representative told me that I should check my creidt report after 30 days and I would see the correction. 

Thirty days later I checked my report and the 30 day late was still there. I called Ocwen and inquired about the late payment and told the representative that I spoke to another rep. who assured me that the inaccurate information would be removed. She was very nasty to me and said they can not remove the information because the payment posted on XX/XX/XXXX and there was nothing I could do and that I should have received a letter in the mail. I insisted that I spoke to another Rep who told me something totally different. Then she tells me my payment was made after XXXX XXXX and that why it posted the next day. However, I told her to check my history to see that I make all my payments the last day of the month just before midnight and I always get credit for that same day not the post date. She asked me " What if I check your payment history and we decide to go back and change all your payments to late ''? She was really rude! After we kept going back and forth she told me that the credit bureau would not allow Ocwen to change the late payment. She kept giving me different excuses. 

I am very particular about making my payments on time. As you can see from my attached documentation, I have not been late on my mortgage payments for the past years and I am quite disturbed that Ocwen does not valueme as a loyal customer by putting incorrect and negative information on my credit report.
My XXXX XXXX credit score with all 3 major credit agencies on XX/XX/XXXX was around 810. I  understand companies can use different models and the score can differ slightly - slightly being the key word. When I financed my application for loan with Hyundai Motor Finance on XX/XX/XXXX, they used a score of around 769 for me. That score of almost 50 points lower is ridiculous and would have caused me to get a significantly higher APR. Such unethical practices must harm so many customers who trust Hyundai 's name. Such a big score difference for a person with an otherwise excellent credit history can be damaging financially, but for someone with moderately good credit, it could result in predatory terms of loan or rejection of credit altogether, which could be a fair lending concern for persons of XXXX like me.
1-created obstacles to repayment by providing bad information 2-told not to consolidate loans in order to keep me in higher interest plan 3-improperly directed into interest only payments and forbearance over and over again 4-loans paid off still showing as open on credit report 5-customer service repeatedly unhelpful and unwilling to escalate problems. 

overall i have been mislead about my repayment options, making it more difficult and expensive than necessary to repay my loans
Requested that a manager calls me back several days ago and left a voice mail with the reconsideration department and no one has given me a call back. constantly being declined credit limit increases with the denial reason, " this account has received too many credit limit increases, '' when only one small increase has been given. the customer service is POOR.
I submitted a complaint to you already # XXXX. I am attaching the letter I received from Ocwen wherein they state that the mortgage payment was increased to {$840.00} on XXXX/XXXX/XXXX and payments of {$800.00} we received after that. I am attaching a copy of Ocwens Escrow analysis dated XXXX/XXXX/XXXX that says the monthly payment is to be {$800.00} as of XXXX/XXXX/XXXX ( NOT the {$840.00} Ocwen now claims ), along with copies of the statements received from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ( after which they stopped sending statements ) which also show that the " Total Regular Payment '' for this time period is {$800.00}. which is the amount that was paid. Needless to say I am still disputing Ocwens claim that any monies are due, the attached " Cancelled Checks '' show we have paid the full amount due " Per the Statements '' we have received through XXXX/XXXX/XXXX, plus {$800.00} was paid for both XX/XX/XXXX & XX/XX/XXXX. I am willing to bet their current escrow balance is incorrect also. 

So what do we do now? I have repeatedly responded, in writing, to their " Notice of Pre-Forclosure '' letter whereby we request a " In Person '' meeting per page XXXX of their letters. The only response I have ever received is a new " Notice of Pre-Forclosure '' letter, all have been identical save for the date issued, all have been respoded to requesting a " In Person '' meeting. I have now received the same letter dated XXXX/XXXX/XXXX ( which I will respond to tomorrow, requesting a In Person meeting ).
Hi, Someone tried to open a line of credit in my name with XXXX XXXX XXXX   and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the trans union report that I ran. I have made a police report with the XXXX  County Sheriffs Office and am waiting on the report to submit to XXXX XXXX XXXX. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, XXXX XXXX
There is a overdraft protection credit account attached to my wife 's checking account. In mid 2016 the account was at a balance of around {$700.00}. As of today the account is at {$2200.00}. I paid the account off and closed it in-order to stop what Citizens Bank was doing with this account. 
From what I can gather this account was accruing interest and my guess is that rather then send a statement for this account Citizens Bank just keeps hitting the checking accounts balance which if at 0 then this will continually keep bouncing and the credit balance increases. 
I have 2 credit cards from Citizens Bank and always receive a credit card statement monthly, even if its at a zero balance. I don't think it is fair for Citizens Bank to allow this account to just keep going up without a delinquency letter or any type of separate notification. 
I want potential customers to know about how this works and beware of the dangers of this type of account that does notify you of delinquencies.
Chase Credit Services reported 30 Day Late ( XXXX 2012 ) to all major credit bureaus ( XXXX, XXXX, and XXXX ) arguing that Chase did not received payment from me for the month of XXXX 2012. The payment for XXXX 2012 was submitted on XXXX XXXX, 2012 through chase.com online portal, however, Chase Card Services failed to process the payment for unknown reason. I provided proof of payment to Chase Credit Services, however, chase.com stubbornly refuse to remove 30 Day Late from all XXXX major credit bureaus without proof or good cause.
case # XXXX Lender made a direct false statement and committed and action against the statement they made as below " quoted from Gateway 1 '' please see below in quotes ; " Please note that Gateway has already submitted a request to the consumer reporting agencies that your account be reflected as in dispute. In addition, Gateway has ceased all collection activity associated with your account as we attempt to resolve the situation with the dealership in question. '' Gateway 1 has made the " claim '' that in addition to reporting my case to credit bureaus as in dispute, that Gateway 1 would, " in addition cease " all '' collection activity associated with my account. '' Well, that 's proven to be a blatant lie, and false statement, as they have not only not ceased collection activity, they 've acted on collection activity by physically " repossessing '' my vehicle on private property and allowing extortion activities to commence by the company that repossessed my vehicle. Company name that repossessed my vehicle is XXXX XXXX XXXX. I had to call the policing authorities to stop the extortion activity of XXXX XXXX XXXX. 
My case in point is, this Lender continues to make false claims, continues to deny my resolution to return my money and losses due to a Predatory Loan initiated by them, the lender continues to neglect sending me written notices via mail of any proceedings, actions, resolutions, resolved, findings of investigations of my victimization, cooperation of any kind. Gateway 1 has done nothing but continue to purposefully lay a heavy burden on me as a victim of a crime and they continue to deny assistance in a loan they initiated, undertook in their discretion without doing their due diligence on the collateral they issued payment for in form a loan, and are now putting 110 % of their " mistake '' and " incompetence '' as a lender licensed, on a Victimized consumer, myself, XXXX XXXX.
I had an account with td bank they are saying I owe them XXXX in fees I had fraud reported it they closed my account and also I paid high fees the last year I had it which is XX/XX/XXXXto XX/XX/XXXX