WillisBack/dataset-financial-user-claim huggingface dataset:
Speedy Cash sent postcards to my house saying that I could take out a second title loan on the same vehicle for which I already have a title loan. In addition, it wasnt made clear to me that the annual APR is close to 100 %. I feel as if this is a predatory practice and also have been informed that it is not legal to have 2 title loans out on the same vehicle. I have suffered a great financial burden as a result of this predatory loan and I would like it to be dismissed.
Been getting more calls and letters from Credit card companies and/or their lawyer that I never had credit with clamming that I owe them {$3000.00} to {$7000.00} for monies transfered to a discover bank account that I do not have,,,,, This XXXX have been going on for over 6 yeas now!!!! When I called Discover they would just say computer error or hacker " we take care of ''. They have total recked my credit. I can not refinance my home, MY home owners insurance and car insurance is higher, They have coat me over {$50000.00} not counting the money they had transfered to their fake accounts!!!!! 
iI never had a XXXX or a XXXX XXXX  or more then 6 other that Discover Bank took money from!!!!
Someone got me information and opened up some account in my name XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX, In
XXXX / XXXX / 2016   XXXX / XXXX / 2016   XXXX / XXXX /   2016  Are all dates that disputes to  XXXX  have been sent out - Not once has the disputes been resolved or responded to in a timely fashion. These accounts do not belong on my file and I have submitted numerous times to have them removed.
Experian continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.
Company called from familiar area code four times in three days. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them back today. They said they were a company named XXXX and were attempting to stop a civil suit from taking place for my mom, who does not live with me and has never lived at this address. If she did not call them back today, they would be forced to take civil action. I took their XXXX number and passed it on to my mom. I got another call two hours later. Again no message was left. So I called the number on the caller ID, ( XXXX ) XXXX, and got a message saying they were a company named XXXX XXXX and not available. I am not my mother. I have done nothing to deserve this harassment, and after some XXXX of this company, I 'm not sure my mom has either.
I have good relationship for over 1 years. I was a loyal card member never miss a payment. I notice fraud charges on my account and I notify Chase. Chase promtly took off my charges but then rebill it a month later on XXXX XXXX. Chase also closed my account. I do not know why a big bank like Chase would took those actions against customer while they lost their credit cards. Chase should not be advertise XXXX fraud, but when it happen they will close the account and let the customer deals with the balance. 
Also, I lost my cell phone when I lost my credit card. All my personal information store in my cell phone. I also have Chase app on my cell phone. I have used the email from XXXX and did not log out or change my email. I did not know if someone with credit card and access to my email. In addition, when I review the sale slip, anyone can sign on the sale slip and it does not prove anything. On the related account XXXX, I report these transactions as fraud. Some transactions i misread see on my statement to report these as fraud. I 'm working on reporting those, but Chase have blocked my account to report additional fraud charges. I have filed the police report and send it to Chase. I 'm working on my identity theft report, and will fax or send it to Chase when I finalize all the information. 
Chase should work on behalf of the customer 's behalf and do impartial investigation. 
Chase should work on behalf of the consumer
On a letter dated XX/XX/XXXX Chase states they are still working on my billing dispute for XXXX from the XXXX XXXX for {$410.00} on XX/XX/XXXX. It has been over 10 months since the date I initially brought up the billing error to their attention. This is way past the timeframe allowed to investigate and correct any billing errors. I provided Chase with an email from the hotel prior to check in which verifies my lower rate being honored, a copy of the lowest rate and a copy of the hotel 's low rate guarantee. Despite the hotel verifying my lower rate in writing they still charged me 5x the agreed upon rate which was changed after I checked out. I never agreed to, authorized or had any knowledge of the increased rate until after I had left the property. 

Despite the overwhelming evidence validating this to indeed be a billing error Chase has still taken 10 months and counting to correct it. This violated the Fair Billing Practices Act.
XX/XX/XXXX I was moving coins between my XXXX and Coinbase account to transfer them out until I got an error and was logged out of the system. Trying to log back into XXXX it again gave me an error but this time showed a splash that I should contact support. I called the support line and case # XXXX was put in for me about my issue, XX/XX/XXXXI received a reply saying that " A manual review has determined that you are not eligible to use the Coinbase platform to purchase digital currency. Were sorry for any inconvenience that this may cause. We regret that we are not able to supply you with any additional information. Please note that we have not blocked access to any balance currently in your Coinbase account. While we can no longer process buy orders via our banking relationship, you may withdraw these funds at any time. Again, I apologize for any inconvenience this has caused you. ". 

After reading this I assumed that I could log into XXXX to retrieve my coins, I saw the same error and splash saying I should contact support. I contacted specifically XXXX  support this time due to me not knowing at the time that support for Coinbase and XXXX  were the same. Given the case # XXXX, I received 2 responses that next day the XXXX. One from Coinbase support saying that my banking limit had been increased to {$10000.00} and one from  XXXX support saying that they have received my request in reference to case # XXXX. 

My next attempts to get access to my XXXX account was just me calling support, being told that " my case is getting escalated to a higher level '', and that " they're waiting on a response from the specialist ''. The last time I contacted XXXX/Coinbase support about this issue was XX/XX/XXXX. Until today XX/XX/XXXX where I wanted to verify that nothing has changed, the support on the phone gave me the same spiel as I had been previously getting.
TRANSUNION : Attempt to place credit freeze on XXXX. 
. 
Transunion didn't tell me the difference in charges between credit lock ( {$19.00} recurring /month ) and credit freeze ( one time charge of {$5.00} as per Maryland State Law ).

Discovered this through their confirmation email. I then cancelled the service and phoned them. They began processing a fee refund but told me that the refund may not show up in my checking account for up to 30 days depending upon my financial institution. Hence either Transunion or my bank gets the use of my money for up to 30 days without paying me the interest they earn using my money & I don't have the use of my money during this period.
I called Navient on XX/XX/2018, to inquire about my account. I was about to make a payment of {$110.00} and noticed it defaulted. That was a surprise because about a month ago, XX/XX/2018, my husband and I called Navient to make a payment. 
The rep ( I'll call her XXXX ) told us paying {$110.00} would put the account in good standing. 
The rep I spoke to on XX/XX/2018 ( I'll call her XXXX ), informed me saying " Yes, it was in good standing ... for XX/XX/XXXX. '' In short, though XXXX told me the payment would be fine and my account wouldn't be in default ( we asked at least 3 times to be sure ), it went to XX/XX/XXXX. Three days later, explained XXXX, my account defaulted for nonpayment. I told XXXX that had I known this, I would've paid for both months. XXXX didn't look to see if the conversation I had with XXXX was documented, I asked and she didn't respond. The only solution XXXX gave was to put my account in deferment. I refused because I knew Navient would tack on the interest on the back end. 
With only that solution, I told XXXX I'll still make a payment. XXXX then stated, " for the record XXXX XXXX will make a payment {$110.00}. XXXX for XX/XX/XXXX. '' I stated, " no, for the record, this payment I make is for XX/XX/XXXX. '' I contacted Navient 's Customer Service Advocate, but I haven't heard from them. I received an email from Navient giving me alternative options if I'm having trouble paying. 
I know I've got to pay this loan back and I'm willing to do so, but I'm tired of Navient continually giving me a hard time. Whenever I speak to a Navient customer service rep, it's like they have several different departments because they seem to keep no documentation ( though I know they do ) of the previous conversation I had with one of their reps. I'm told one thing by Navient 's reps and believe everything to be fine, but when I see my account messed up, I'll call and it's like I might as well have called a different student loan servicing company. 
I want this matter corrected, preferably putting my account back in good standing and not showing that I'm a month behind.
Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, XXXX This address has pertained to a business : XXXX XXXX XXXX XXXX CA XXXX. 

GENERAL BUILDING XXXX : XXXX XXXX XXXX XXXX XXXX, CA, XXXX. 
False and if so, someone else has opened this business. 
Also all delinquent accounts pertaining to my credit is from hospitals or medical providers that did absolutely nothing to help me with my condition? Might be a civil matter do n't know if you can do anything about that.
In short a company ca lled ARM Solutions is trying  to collect a {$65.00} debt that they claim is owed to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . The {$65.00} was paid months ago, but ARM Solutions keeps sending me notices.  <P/> Timeline  XXXX  -  XXXX   -2017 - I fil led for  XXXX  different service requests using my home warranty,  XXXX   XXXX ,  XXXX  for dishwasher and the other  XXXX  for the fireplace.  <P/> Within the next week - The dishwasher repairman arrived and fixed the dishwasher. I did n't pay him the {$65.00} deductible because I did n't have any checks or cash and he said I could pay the home warranty company on their website.  <P/> Within the next week - The plumber arrived but said that fireplaces were n't covered by my warranty. My spouse paid him {$65.00} in cash for the deductible.  <P/> Within the Next week - I complained to  XXXX   XXXX  for sending a technician and charging me for a service that they did n't cover. They agreed to refund the {$65.00}.  <P/>  XXXX  -  XXXX  -  2017 - I receiv ed a notice from ARM solutions that {$65.00} was past due.  <P/> I called first american, they said they had n't issued me the refund yet because they were waiting on an invoice from the plumber for financial backup. I asked them to apply the refunded {$65.00} from the fireplace to the dishwasher deductible, they agreed and we settled the matter.  <P/>  XXXX  -  XXXX  - 2017 - I  received a second notice from ARM solutions that {$65.00} was past due. I contacted them and left a voicemail explaining the situation and offered to provide them written proof from  XXXX   XXXX . No one ever called me back.  <P/>  XXXX   - XXXX  - 2017 - I re ceived a third notice from ARM solutions that {$65.00} was past due.  <P/>  XXXX   XXXX   -2017 - I re ceived a fourth notice from ARM solutions that {$65.00} was past due.  <P/> I 'm now informing the CFPB so that I might receive help in getting ARM to stop sending me these notices. Not only are they a nuisance, but I am concerned they will notify a credit agency and it will affect my  credit score err oneously.
I have several hard inquiries on my credit report that do not belong to me. I have tried to contact XXXX, Experian, and XXXX about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my Experian score to report drastically lower than what it should be.
Equifax declines to forward me any documents bearing my signature from any party involved ; and won't send me name of false verifier either ... I settled debts with original creditor which is XXXX XXXX XXXX, yet the three accounts were still sent to a collection agency ( XXXX XXXX  ) ; and Equifax declines to cease from reporting this inaccurate information and will not remove it ... They are violating F.C.R.A. law and my rights ... I have written and disputed them on three occasions to no avail ... and now I may have to seek litigation against all parties involved, because I can not get any documentation from anyone ... {$120.00}, {$55.00} and {$170.00} are the fraudulent amounts that were paid, but evidently not recorded or something ... I have also reached out to XXXX XXXX XXXX, and was told that XXXX XXXX   should not have an account for me, because it was paid ; so I called XXXX XXXX  and was told that it was nothing they could do, but settle the debt with me, and XXXX XXXX XXXX would not provide me with any documentation to send to them. How unfair and unjust this is!
I have a mortgage with Caliber Home Loans , Inc . I pre-paid a portion of my property taxes for XX/XX/XXXXin XX/XX/XXXX. I called Caliber in advance of doing this, and  they said that they would adjust the escrow if I sent them a copy of the cashed check and the receipt for the payment. They also confirmed in an email on XX/XX/XXXX that these two documents were all that I would need to provide. I sent the required documents in on XX/XX/XXXX, but my escrow had not been adjusted, so I called them on XX/XX/XXXX.

On XX/XX/XXXX, they now said they need a new tax bill  from the city before they can adjust the escrow payments. This was never told to me previously, and the city will not issue adjusted tax bills until after XX/XX/XXXX. The tax payments in my escrow account include Caliber 's  estimates for my future tax payments. They need to deduct the pre-paid amount from their estimate, since this is the amount that I have pre-paid and it will be automatically deducted from my next tax bill. Having a copy of a future tax bill is not relevant, as it is not material to the amount that I have already pre-paid - I am only asking them to credit my escrow by the pre-paid tax amount. By continuing to collect for these tax payments, I am effectively being billed twice for the same payments and Caliber is being unjustly enriched by collecting this money.
quite some time ago possibly XXXX years I opened a united milage card with chasein XX/XX/XXXX iI opened a united mileage plus explorer card with chase which has more benefits i was told. I verbally asked to have the XXXX card closed. they did not close it as requested. in XX/XX/XXXX i realized i still had XXXX accounts and asked to have to closed and my mileage combined. i cut up my original card. i checked in XXXX XXXX and found united still had not combined milage which they said they would do. I few days ago got a new card from chase for the old susposed closed account and called chase getting he run around from XXXX and XXXX and a supervisor XXXX XXXX saying the card fees could not be refunded. I asked for her manager - she said none available but i would be called back next morning - next afternoon i had no call so again called for manager was told all busy and now would be called back in 3 days. XXXX card fees were taken out of my bank account even though only XXXX card was used. XXXX fees were taken out previous year as well. i wish XXXX fees refunded. 
My father is a retired XXXX XXXX. I am a XXXX times XXXX XXXX XXXX.
On or about XXXX/XXXX/XXXX, I received in my home mailbox a bill addressed to me from something called Jefferson Capital Systems , LLC. 

It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}. 

It offered " convenient '' ways to pay various amounts via credit card or check. 

I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number. 

I refused and suggested to the young man that he seek honorable employment. 

What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?. 

I hope you will prosecute the people responsible for this operation to the fullest extent of the law.
On XXXX XXXX I wrote to Transunion, XXXX, & XXXX   in regards to them saying I owe XXXX XXXX XXXX {$480.00} & $ XXXX.Also, I wrote XXXX about XXXX XXXX stating I owe them {$18.00} being reported inaccurate as well on my credit the same days for the XXXX XXXX XXXX. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XXXX XXXX I received a itemized bill instead of evidence bearing my signature. So on XX/XX/XXXX I wrote TransUnion, XXXX, & XXXX  informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/XXXX they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. An to my surprise I see several inaccurate inquiries reporting on my credit report file from Transunion from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX   on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. I inform them I dont recall these companies authorizing to pull my credit file. Because its making it very hard for me to acquire credit. XXXX  as well with unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. XXXX also XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I would like all this inaccurate information removed immediately off my credit report.
I submitted an application for an American Express XXXX credit card based on an online offer for XXXX points after spending {$3000.00} in the first XXXX months ( see attached ). Instead, I received XXXX points. I contacted American Express several times about this, and they said the XXXX points offer had expired, even though that was the offer I saw and the reason I signed up for the card. Regardless, the offer shortly after I signed up for the card was for XXXX points after spending {$5000.00} in the first XXXX months ( see attached ). In addition, American Express took away XXXX points from my account without any explanation in XX/XX/2016 ( see attached ).
My mortgager is foreclosing on my loan. I have been trying to rectify the problem, directly. 
I 've had no luck in getting any response. A friend suggested I try here before my trial. I have a trial for foreclosure on XXXX XXXX 2015. That is XXXX days from now. Can your help me to get a continuance on the trial. I have, again filled out the paperwork for modification of my loan!
I just obtain copy of my credit report and found there are unauthorized inquiry on all three of my credit reports. I have learned there was security breach and according to the credit bureau website my information was affected. I have disputed the inquiry with the bureau and was advised that inquiries are a factual record and that all information has been verified and accurate. No proof was sent showing how this information was verified.
The XXXX Double cash rewards has forfeited my rewards ( {$2300.00} ) without any concession. They highlight lack of any transaction that led to the expiration of rewards. On further verification I found a merchant transaction in last twelve months and had an dispute with the merchant and was credited back. XXXX ignores this to be treated as transaction. At the same time they also do not provide any concession for re-instating the rewards back to the account either with or without penalty. They have blamed customer for not being active with the card. 
They also posted {$2.00} to the rewards account and can not explain how the amount was credited. 
I truly believe the cash rewards belong to the customer and many banks either let you re-instate with a fee or provide one time concession to re-dress such issues. They have refused to entertain customer request under any circumstances. 
If this is how XXXX operates there are many other banks that let you have double rewards for as long as you want provided the account is not closed. With an active account and no alerts for expiration XXXX has demonstrated their true intention for the XXXX rewards program. Even with card terms and conditions available XXXX should respect long customer relationship and their standing with the bank. If not, its time to move on as I do not like my rewards to be taken away with no WARNING and no ALLOWANCE when you're not watching. Only time I was notified was after the fact with monthly statement stating rewards have been forfeited in XX/XX/2018.