WillisBack/dataset-financial-user-claim huggingface dataset:
I filed for bankruptcy in XXXX and all my debts were discharged in XXXX. The property at XXXX XXXX XXXX, XXXX XXXX, IN. XXXX was not reaffirmed during this process. I have continued to pay the property taxes and maintain the home. I discussed with loan officer # XXXX and he explained to me that the mortgage was written-off by the mortgage company Ocwen over a year and half ago. I requested the documentation that supports that this lien has been satisfied through the write-off process. To date I have not received the documentation. I started asking about this over a month ago and i got no where. 

Loan number is XXXX The loan officer 's number is XXXX. He stated that he would contact me with updates had not received a return to call so I called back myself and still got nowhere in the process. I need assistance to clear up this matter.
I followed a direct link from the XXXX webite for earning a new card member bonus of XXXX rapid rewards points after spending XXXX in first 3 months after opening a Chase Southwest credit card. I purchased airline tickets and spent the {$1000.00}. Instead of honoring the advertisement- I was bait and switched. They gave me a {$200.00} statement credit and a XXXX rapid reward new member bonus. I complained and their response was that was what I applied for. I am very clear on what I signed up for. The XXXX new member bonus is highly publicized on the XXXX website, and on their planes. The interest rate on this card is astronomical- I only applied for advertised bonus. I have requested that they take back the statement credit, and issue me the remainder of my miles. I have sent XXXX inquiries, and only received XXXX response.
On XXXX XXXX, 2017 I attempted to make a purchase at XXXX 's in XXXX, XXXX and pay for it by check in the amount of {$630.00}. The check was declined by Certegy, the XXXX 's vendor, and I was given a phone number to call for information regarding the decision. After numerous attempts I finally spoke with a customer representative and they could give me no specific information regarding the reason ( s ) why this happened. I received a letter from them stating that the decision was based on risk profiles established by Certegy. They stated that there was no derogatory information on file regarding me-as confirmed in their Consumer file report which is attached. To decline a transaction without reason is derogatory. To provide false derogatory information about an individual is unacceptable. Furthermore, to ignore the request to provide information that was used to that individual in order to correct a mistake is unacceptable. To share this inaccurate information/decline with another company that provides similar services which may impact future transactions is unacceptable. THis information was shared to Chex Systems Inc.
I had a personal account that had a returned deposit because of fraud committed against me in 2015. I provided proof of this fraud which was also used to open accounts with other banks. Bank of America stated they removed me off of XXXX and XXXX, which was already done the year prior. I had a business account with them in good and regular standing that was recently closed after I was approved for Merchant services and upgraded my account. Which apparently triggered a hotfile attached to me. This hot file was caused by someone stealing money from another account I wrote a check transferring funds out of town. When I got back I immediately made the account positive. They removed negative reporting but placed me on a hotfile. They closed my corporate account with no notice, one that I am a signor on costing my company thousands of dollars. They will not let me withdraw my funds, they will not be accommodating in any way shape or form and they refuse to act in good faith. I want to be removed off of the hotfile. I want an apology, and I want to be assured this issue is resolved. Bank of America has blatantly not allowed me to solve this issue. They have been abusive, they have never responded to my request. I sent a packet to their internal group 4 times. They have been extremely abusive.
My purse and car were stolen a few years back. As a result, my debit card was swiped across town at a gas station, an ATM, and then at an ATM that was associated with my bank. A fraudulent deposit was made into my account. I was totally unaware of the deposit, but reported all of my things stolen before I had any knowledge of the deposit. I reported my things stolen to the police. I communicated back with my bank to find out where my card had been swiped and how many times it was attempted. I reported my findings back to the police and requested that the ATM cameras be pulled so that I could press charges. This was an extremely long and drawn out process. They tried to have the cameras pull but the back hadn't fixed the ATM camera so it only caught the person 's chest and hand ( which clearly weren't mine ). As a result, the bank decided to close my account and reported me to ChexSystems  making it virtually impossible for me to get a bank account with anyone. I did my due diligence by keeping in contact with the bank, reporting what happen, and by involving the police. My account was still shut down and I have had an extremely negative experience because of something that wasn't my fault.
I get calls all times of day and night sell my loans to different Leanders and not telling me and report miss information to the credit unions
On XX/XX/XXXX I bought in XXXX Toyota a used car Toyota XXXX XXXX, the purchase was made through a loan ( Toyota XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and I purchase too a XXXX insurer ( XXXX ). 

I adquire a insurance through XXXX policy number : XXXX. 



On XX/XX/XXXX, I suffered a car accident in which I was not guilty. The claim number is XXXX On XX/XX/XXXX, the car was declared total loss and since then I have had multiple problems with both the lender Toyota and the insurer XXXX. 

XXXX declared that the market value of the car was {$10000.00}, but XXXX disccount {$380.00} storage deduction so they only pay {$10000.00}. 

In the XXXX contract agreement appear : " CAR STORAGE AND COVERAGE : We will pay up to a reasonable and customary daily rate fare for the cost of storage of the insured auto in the event of a loss to the insured auto for which coverage is provided under this Part. We will pay no more than {$400.00} total for the cost of storage of the insured auto under the section. '' According with Toyota at the crash day the payoff was {$15000.00} Since the accident day Toyota has not stopped calling me or sending me letters with threats of damaging my credit record unless I pay the remaining balance of the loan, even I sent a email trying to explain the situation but I have never receive any answer or consideration. 

XXXX took more than a month to deliver the payment of the vehicle, according to Toyota 's information the payment was received on XX/XX/XXXX. 

On XX/XX/XXXX, I try to contact UnitedAutoCare, the insurance company that was the original contract agreement but I received the information that the new owner of my contract is XXXX XXXX XXXX XXXX without any notice to its customer. 


Finally I contact XXXX and under its policy only covered a part of the remaining balance of the debt. For them the remaining payoff amount is not the {$15000.00} instead they say that the amount is {$14000.00} and they discount differents items to produce a payment of only {$2800.00} so I should to pay to the lender the difference of the payoff loan for {$1600.00} I visit the web site of XXXX and in the brochure that I attached to this email appear a very interesting example : In the second page " How XXXX works '' give me the reason of my claim, they should to pay the difference the value market and the loan. 


So Im in the middle of the firing line of the companies that use the math in your favor. 


Additionaly I did not receive a pennie for the claim of loss and wage during my excuses work, so I had to arrange between different jobs and charity of my friends. 


I hope someone could give me the orientation to what I can do to finish that issue. 

Thanks
Complaint against buy here pay here dealership XXXX Byrider, XXXX PA for unethical business practices & fraudulent business practices that is targeting consumers with poor credit ratings & difficulty financing a vehicle such as illegal rigging of car mechanics in order to cause future issues that is targeting consumers that are already suffering financial hardship that hinders ability to purchase or finance a vehicle at other car dealerships due to poor credit rating.
JP Morgan Chase is refusing to credit back {$49.00} in fees for {$21.00} in total charges. In total from XXXX XXXX, 2015 to XXXX XXXX, 2015 JP Morgan Chase and Companies Charged my {$150.00} in NSF Fees. Since XXXX of the transactions were for {$6.00} and another was for {$12.00} this would seem excessive to charge me {$68.00}. In addition they also charged a {$15.00} extended overdraft fee. This would be an interest rate of over $ 200 % for less than a week. JP Morgan Chase and Companies policies is that during a year they will only extend courtesy refunds to a certain amount - although they wo n't tell you what that amount is.
County taxes were taken from escrow account with TheMoneySource by XXXX on XXXX/XXXX/2015 ( about {$4100.00} ). Refinance completed with XXXX XXXX/XXXX/2015, and taxes were instead paid by the title co ( XXXX ) on XXXX/XXXX/2015. County tax office confirms that any attempt by XXXX to pay after date would have been rejected and taxes were not paid twice. XXXX has refused to acknowledge that a refund is due, ignored numerous calls and even demand letter to locate these monies, and insists it will take months to figure out what has happened and effect the refund. Obviously we are into the third month already. XXXX 's helplessness and puzzlement is incredulous. With a few keystrokes they can most likely locate and immediately effect a refund.
On XX/XX/XXXX XXXX XXXX XXXX reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and XXXX XXXX XXXX   multiple times to no avail.
Tried working with Discover who have been all too happy to destroy my perfect credit score due to their oversight. The original email that I sent to Discover 10 days ago is below : Hello, Still am shaken up. My credit has been perfect and I have never had a delinquent payment ver since having my first credit card. We never received statements from Discover regarding the delinquency. Also, the email that they have on file for me for the old account is a very old email address that is no longer used. The numbers that they tried me on are also old and not in use ( one of the numbers was from when I lived in XXXX / XXXX ) My mortgage broker just called my wife and I to say that Discover had reported us delinquent over {$93.00}. After doing some digging, it looks like Discover reactivated an old account ( which we had closed out ) from XX/XX/XXXX. They did this by sending us a new credit card for the old account. Up until this point, we had one account with Discover from XX/XX/XXXX. This account was set up with automatic payments to pay off the balance in full every month. The new card that we received from Discover was assumed to be a replacement card for the XX/XX/XXXX account ( not a reactivated card from an old account we never asked for the reactivation ). We had simply assumed the new card was for the one account that we were aware of and, all of our payments were being automatically paid off. My wife and I are scheduled to close on a new house. The mortgage broker ran our report and noticed that we had a XXXX point ding for a delinquent payment that we were unaware of My wife, XXXX kids and I will not have a home to live in if we can not get this mistake reversed on our credit report. As soon as I found out about the delinquent balance ( today ) I paid it off. Also, my credit report shows that over the past 15+ years ( the moment that I started using credit cards ), I had never been delinquent on a payment and have a perfect payment history on my debts. I work as a XXXX XXXX for XXXX XXXX XXXX and maintaining perfect credit is essential in my business. So in addition to preventing me getting a house, this oversight ( Discover reactivating an old account and then being unable to contact me about payments ) will also have ramifications for my career if it is not fixed. Please help me as there will be a negative domino effect. The folks at Discover can check my credit reports to see that this is the only instance in my credit history where I have had a late payment and, I never spoke to anyone at Discover prior to the delinquency being reported that gave me the heads up about this. Thank you Discovered noted and would not acknowledgement that statement may have not received by me. There is an article by XXXX XXXX news that there is a mail delivery problem in the town I live in. Common sense could be applied that something could have happened with someone that has 17 years of not being late.
Ad astra is reported incorrect information on my account i dont owe them any money and they refuse to remove from credit report. They refuse to provide proof
Seems that Discover Bank has set up quite a few accounts using my name, SS number, birth date, home phone and/or home address to laundry money again!
I have been getting calls from XXXX XXXX, and other Credit companies demanding payment for money transferred to XXXX accounts that I do not have but are in my name, SS number, birth date, home phone and/or home address!
Discover has been taken to federal courts for setting up fake accounts, money laundering and other illegal actives. Now it seems that they are preying on us seniors and Veterans!!!
And I am still getting phone calls from them telling me that I am going to prison if I do not agree whit what they demand in court!!!
I think I have to report this to the DOJ and Home land Security for possible money laundering! I could be in trouble if I do not?
There are several accounts that have been re aged on my credit file. My issues were a long time ago and past 7 years and still listed. Is n't this against the law? I have disputed several times and I do not get a response back. Please assist me in this. 
XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. XXXX XXXX # XXXX, XXXX # XXXX
Have a rushcard loaded money cash on XXXX. Funds still not avaliableand its now XXXX. Keep calling a d sending emails only got XXXX reply saying cant access my info. Called back finally got through only to be transferred put on hold for XXXX and hung up on. I have XXXX kids this was groceries ang car insurance moneymy dad sent. Had to borrow from someone to pay it.
I 've been attempting, for better than six months to get my 2nd mortgage servicer, Ditech Financial to seriously engage the writer on my interest to settle the outstanding balance. The process started in XX/XX/XXXX, latest. Only recently have I received a phone call after multiple attempts in both writing and telephonically to get them to reply. I 've also asked for supporting documentation regarding the totality of interest paid and general progress on the reduction of the loan balance. I received nothing I 've been thorough, I believe, in articulating why a negotiated settlement is reasonable. The aforementioned phone call was unsatisfactory only offering a nominal reduction. 

The intent of my complaint is - both - getting the supporting documents as to my total payments made, interest paid and principal paid. And, with that evidence press my case for a more reasonable settlement substantiated by my previous employment hardship ; savings drain yet I maintained the account as current.
I joined a monitoring service in which I noticed a fraudulent auto loan on my file in my name in which i did not obtain From Company Honor Finance for the amount of {$5000.00}. This account is Fraudulent and does not belong to me and has been reported.
Green Tree Servicing is a horrible company to deal with for loan servicing. Every time I call in I get a different answer to the same question. In addition, their staff must be trained to speak as though they are superior to the consumer. I was transferred to this company via my mortgage company without my knowledge and against my will. I was originally with XXXX XXXX and they were absolutely fantastic to deal with. No hidden fees and payments could be made online without extra charges. Green Tree offers no such options to the consumer. If you want to make a payment electronically, you have to pay a minimum {$12.00} fee. This is passed off as a convenience fee. Convenient to who? Electronic payments are a favor to them not to me. I have no problem sending them a paper check and making them work for that money. It 's terrible that they treat customers, especially new ones, like they are doing me some sort of favor for servicing my loan. XXXX knows, servicing companies come a dime-a-dozen. Hopefully my complaint to my mortgage company will offer me the opportunity to choose another servicing company. If I have to complain every day to someone to get this account moved then so be it. If anyone has a choice for a servicing company, think twice and do your research before you choose Green Tree.
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT WIT XXXX XXXX XXXX APPEARED ON MY EXPERIAN CREDIT REPORT.
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX . XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I have contacted NetSpend 4 times via email regarding my inability to log in online. The issue is not due to clearing the cookies or cache of a browser because I can not log in with any browser on any operating system including : IOS, Windows, Linux, Chrome, Firefox, Safari, Internet Explorer. When I log into XXXX the page loops back to XXXX as if I have never logged in. 
This continues to perpetually loop. I am, however, able to log on to the mobile app and access my information. It is important for a consumer to be able to access all avenues the service/bank provides. 
NetSpend customer service gets back to me no less than 48 hours after sending each email. My fear is that the mobile app will not work after the next update and I will have no ability to access my account and be forced to pay the fees that NetSpend requires to make a call to the bank for any reason. 
XXXX XXXX
Autovest LLC is bought debt from another company and is pursuing a lawsuit. The company committed an fraudulent act and pulled my credit report under false pretense per 15 U.S.C. 1681q to obtain my current information and address. I did not authorize them permission and was unaware of the inquiry. They do not have permission to have my personal information. Their printouts are photoshopped and robosigned and i don't recall anything that they are alleging.
Chase Card  has been inquiring on my credit every few months for the last two years. I was a customer from XX/XX/XXXX - XX/XX/XXXX but have had no relationship with them since that time. I filed a dispute with the credit bureau in lateXX/XX/XXXX but there was another inquiry. These are hard inquiries against my credit that I did not initiate. Dates are showing as XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. This has the potential to impact my credit score. 

I am also on the opt out list for promotional offers.
I checked my statement on 6/23/2017 because I knew I had a payment due on 7/3/2017. My payment was XXXX higher than it had been previously. I have 2 loans with this servicer, both of them have been in an interest only repayment plan. The most recent statement, published on XXXX/XXXX/2017,  noted that the repayment plan on XXXX of my loans would end on XXXX/XXXX/2017 and noted the amount it would increase to. When I called my loan servicer about this amount, I was told that it was actually the OTHER loan that would increase after XXXX/XXXX/2017.  This other loan was NOT noted on my statement as the loan that would increase. They claimed they sent a letter to me notifying me of this change. I never received this letter. They cited an old address that they sent it to. I corrected the address and asked them why they did not send me this notification via email, like they normally do. They normally do not send me these notifications in the mail. I usually receive notifications of loan status/amount changes in my email inbox. They did not have an explanation for this. The man I spoke with on the phone proceeded to lecture me about my responsibility to pay back my loans. I told him that I would pay what I could but that I was not comfortable with the lack of accurate communication about my payments increasing. He then asked about my co-signer and if my co-signer ( who is my mother ) would be able to help me make payments. I told him I did not think so. I wanted to see if we could come to an agreement about a payment that works better for me at this time. My loan has increased at least twice in the past year. Once because of an interest rate change, the second time my loan increased around {$10.00} and I did not receive proper notification, but overlooked it because it was only a small increase. I probably should not have ignored that, but I ca n't go back and fix that now. This time it 's increased again and it 's almost {$100.00} more than what I 've been paying monthly since the last {$10.00} increase, and I can not afford a payment that is almost {$100.00} more than the payment I have been making. I 'm at my wits end with this loan servicer. They have terrible communication, terrible customer service, when I call in no XXXX seems organized enough to know anything about what anyone else already knows about my account, and they continue to raise my payments when they know I can not afford to make more of a payment than I already make. I have other loans and other obligations outside of this loan. THey are unreasonable and a pain to work with. The man I spoke with on the phone today spoke to me in such a way that it made me cry ... ..I have NEVER had such poor customer service. I have never had anyone from customer service speak to me in such a way that made me cry. I do n't know what else to do. I can not afford to have my payments jump higher and higher without proper advanced notification of the rate change so I can plan my finances accordingly and the bullying I get from customer service when I call about the changes and question the changes is over the top. Please help.
I have a debt amount with Navient of {$75000.00}. I have called Navient multiple times over the years of 2008 to current, to better understand why I have a student loan amount this high. It has increased over the years due to interest. But the amount that it started out was way too high to begin with.