WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I are XXXX. We are retired and live on Social Security and XXXX small retirement accounts I have. We had a XXXX XXXX XXXX that quit on us and the repairs were going to be close to {$3000.00}. There was no way we could do that so we started looking for a good used car. I had been on the internet looking at several dealers but had not contacted any of them yet. That afternoon a salesman from XXXX XXXX XXXX in XXXX, Texas by the name of XXXX XXXX called to tell me he had just gotten in trade a XXXX XXXX XXXX that was really clean. I told him we had no way to get to XXXX ( about a XXXX mile drive from our house in XXXX, Texas ). He said no problem, they would bring it down to us, leave it with us, and we XXXX XXXX it back up there. We did so and the car was quite nice. We ended up buying it but the next day started having problems with it. All of the lights would flicker up and down in intensity and the transmission would ( when taking off from a stop in drive ) have a loud grinding them a loud bang before accelerating. I took the car back to XXXX and the sales manager said he would have it checked out and call me with the cost. I told him to not call me, I had no more money I could put into the car. If he could n't get it fixed, I would either leave it on his lot or take it to XXXX XXXX who held the note on it. After arguing for a short while, he said they would fix it. They eventually got the electrical problem fixed but could not get the transmission working properly. They had the car for 3 of the first 5 weeks we owned it. I eventually took it back to them and said that if we continued to drive it the way it was we would probably have to replace the transmission in a year or so. My wife and I were afraid to continue to drive it. They said they would see what they could do about getting us into a XXXX XXXX XXXX they had. They called me later that evening and said they were working on a deal for the XXXX or a new XXXX XXXX XXXX. We went to XXXX the next day land the Salesman told us they could n't do the used XXXX but they had gotten a deal on the XXXX XXXX done with GM Financial. Our payment increased and our insurance went up. We did n't really like the XXXX but were told by the salesman that " That 's it ''. When I asked what did that mean, he slumped over to one side in his chair and said " That 's it. That is all we can do ''. The Sales Manager would n't even talk to us. I have inquired twice on line about used cars they have and the salesman finally called and when I asked if there was anything they could do he said no. Now they wo n't even respond to me. My wife and I both feel as though we were forced to take the XXXX XXXX. It does n't fit us. When we are in the car, we are constantly knocking elbows due to the cramped conditions. My wife has XXXX XXXX and ca n't walk for any distance because of XXXX. We have gotten a XXXX for her but can barely fit the XXXX into the car. I would like to get out of the XXXX and into a used sedan XX/XX/XXXX to XX/XX/XXXX. I ca n't do anything with the XXXX due to the negative equite we now have on it.
I am a victim of identity theft. I became aware of a student loan debt in XX/XX/XXXX of last year when I tried to apply for a loan. XXXX had my account via my credit report. I notified all three credit bureaus immediately of identity theft. They did a dispute.30 days later it was not removed nor did I receive a response from XXXX. I notified XXXX on XX/XX/XXXX, and the account was closed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$8200.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$6000.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$5300.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$4700.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$4000.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$2100.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} XXXX XXXX XXXX. XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX - DIRECT Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX XXXX - DIRECT Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX  Closed : XX/XX/XXXX {$0.00} Closed XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX, and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to ECMC ( Educational Credit Management Corporation ) Account # : XXXX. I faxed the information to that company on XX/XX/XXXX
XX/XX/2015- SANTANDER CONSUMER- I Co-signed for a truck for XXXX XXXX XXXX When the saleman came to my house to show me the truck XXXX XXXX had picked out, ,I told him " I will NOT Cosign Anything unless it had the " life Insurance '' added on it -- so if something would happen to me or XXXX `` That truck '' will be paid for. He told me " No Problem '' he 'll add it in the contract. ( I have a witness that was here the entire day ). When he ( saleman & sales lady ) came back with the contract I asked him " Where is the Life insurance '' on the contract -- He pointed to it & said " you requested it '' so " there it is '' ( I have a witness to this fact ) because they were standing right beside me when he pointed to it. So i Co-signed the contract. Day 's later i sat down and read that contract " Word for WORD ''. ( Which i still have ). After reading the contract i was SHOCKED to see that I WAS LIED TO!! He NEVER added any " life Insurance '' on the contract. He LIED to me Just to get me to sign " His Big commission '' check off that truck!! When i called the dealership to complain about " how i was Lied to '' I was given the run-around!! I was Ripped off & lied to!! After i told XXXX XXXX " what WAS N'T '' in the contract after requesting it to be added ( But was n't ). He decided to turn that truck back in to the dealership after just having it for just 2 week 's. When i called the dealership to inform them that XXXX XXXX will be bringing the truck back " I was talked to VERY Nasty from a lady that work 's there '' & she told me " He CA N'T bring that truck BACK, If he does I 'm going to mark it as Re-po truck!! I told her Anyone has 30 day 's to keep it or take back any car they get ( like the lemon law ) She said " Very NASTY '', " Do n't Matter '' You bring it back That 's what will be marked on that truck. She 's the only one from that dealership that actually told the TRUTH!! I 've been looking into this matter to get it removed/taken down ( credit level/score ) on my report, which is a XXXX. There is alot of companies out here ( fee 's are VERY High ) & i can not afford any of them. I was told how to get my free report and how i can dispute it. In my opinion, This was just Fraud from the saleman from him lieing to me just to get me to sign that bottom line. My company that was here that day told me they would be glad to write a statement to the fact of " What that saleman told me '' about adding the Insurance on the contract. PLEASE HELP ME, PLEASE!!
Bank of America was our mortgage holder and they were having legal trouble last year we received a notice from Bank of America taking money off of our mortgage principle in the amount of {$53000.00}. we then received a tax document and we were told by bank of America and our accountant that bank of America would assist in paying the tax on the {$53000.00}. when we went to bank of America to ask for assistance they said we did n't qualify. So we were stuck with an XXXX tax bill. At which time we lost our son to suicide we were struggling both emotionally and financially. We struggled along and in the fall we became behind on our mortgage. We then contacted Bank of America to ask for a modification on our mortgage they said they would send package out to us to fill out. Two weeks went by we had n't receive the package so we called back, again we were told they would send out a package we did finally receive the package after waiting for three weeks. we filled all the papers out sent it back and again waited to hear. After waiting for another two weeks we called Bank of America again we got we need more information we did this three more times now we are into our third month behind. They would not accept any partial payment. so we sent all information in to Bank of America and waited. another month goes by we call. they said they had n't made a decision yet. so we waited. and waited. After waiting for three months we still had no answer and now we are so far behind we were sick with worry on what was taking so long and how are we going to catch up. We called bank of America one last time they again told us they had not made a decision yet. Then two week later we received letter from XXXX saying we were in default of our mortgage and we needed to pay the back mortgage or we will loose our home. 
Bank of America put us off for months until their sale of our mortgage to another company so that we are now at a point that there is no way we can come up with the amount owed at one time.. So we now are scrambling on how to save our home. If they were just honest with us and worked with us. They made our bad situation a whole lot worse.. I know that Bank of America has done this to other people it does n't seem right that we loose our home because bank of America used sneaky tactics. Now we are so far behind and not sure if XXXX is going to work with us. we applied for a modification with XXXX and we are waiting to hear from them.
Four years ago I signed up for a subscription to the XXXX XXXX XXXX newspaper.

Money was taken out from my credit card, beginning in XX/XX/2014, to cover the upcoming 6 months by easy pay. Except they would take the money from the credit card and then bill me again. The XXXX payment crept down to becoming a XXXX payment. Every 6 months I would have to call and complain. They would tell me they would fix the problem, but it usually didn't get fixed until I sent them copies of my credit card statements, etc.

In XXXX. I cancelled the subscription. Then I called XXXX XXXX and told them not to pay because I had cancelled. I paid {$5.00} for any extra papers I received. XXXX XXXX   said they agreed to the cancellation in XXXX. I did not receive any papers from the day I cancelled. Then the day they settled, they turned me into A.R.M. collection agency asking for the full amount of the 6 month subscription which I didn't get. I had already paid them a prorated rate. I never received any communication from them after I cancelled. Then I received the collection notice.
I am a recipient of NYS XXXX. My coverage renewal was mailed to me XX/XX/XXXX. I had to fill out my NYS renewal forms and mail it to : Mail Renewal Program, XXXX, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XXXX that I found out that I no longer had XXXX XXXX Coverage. So, my coverage was canceled from XX/XX/XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the social service office at Medical Assistance Program, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XX/XX/XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XX/XX/XXXX. The reason why this is important is because during the time when my XXXX care coverage had been canceled from XXXX to XXXX 2015 I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the XXXX is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
Dr XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX XXXX # XXXX service date XXXX. My NYS XXXX Benefit Account # is XXXX My Managed Care XXXX card # is XXXX. I am requesting that NYS XXXX or XXXX XXXX XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.
Equifax has refused to give me a copy of my Equifax report for over a year now. Also according to a background check Im listed as dead. There is also a spouse /guardian listed on my credit report there are incorrect names and addresses that I have never had. Security questions that are not real end to me. Which brings up red flags all of the issues that I have mentioned are on XXXX and I cant even get an online report from Equifax.
My initial disbursement was XXXX on XX/XX/XXXX. The balance remaining is XXXX as of XX/XX/XXXX, which at this time I stopped paying. The lender is navient which then was turned over to XXXX XXXX XXXX. Over the 8 years I have paid XXXX towards this loan, why do I not see a decrease in the amount? furthermore, it is on a 6.75 fixed rate which doesnt show it being fixed on my account history. The interest amounts vary each month.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX-XXXX XXXX SS # XXXX-XXXX-XXXX Re : Chase account XXXXxxxx XXXX  To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,
In early XX/XX/XXXX, I contacted XXXX  about an erroneous item regarding Citibank about an unresolved dispute dating back to XX/XX/XXXX. XXXX  said I needed to contact Citibnak. I contacted my credit card provider, Citicards about the erroneous report on my XXXX  credit report showing an unresolved dispute dated XX/XX/XXXX. Citibank confirmed there were no outstanding issues and that I needed to write a letter requesting resolution to Citibank XXXX XXXX XXXX XXXX XXXX, SD XXXX with the appropriate details. The Citibank rep said with my letter, Citibank would send notification to XXXX  to clear the item. 6 months later, I have not had any response from Citibank and the incorrect unresolved dispute from XX/XX/XXXX is still showing on my XXXX  report. I called Citibank today and I spoke with XXXX, " the building dispute supervisor. '' XXXX was particularly unhelpful and told me to contact XXXX  and that Citibank could not be of service and completely contradicted the instructions I had received from Citibank 6 months prior. I requested a letter from Citibank confirming there were no outstanding disputes dating back to XX/XX/XXXX but XXXX refused to be of assistance. It has been my experience that customer service has declined markedly at Citibank in recent years and any issue requires multiple emails and phone calls and escalation to higher management to get simple matters resolved.
In a letter dated XX/XX/XXXX, FedLoan Servicing gave me information regarding qualifying payments toward XXXX. The letter stated that I had made XXXX qualifying payments, but I believe I made XXXX qualifying payments. I need to know why certain payments did not qualify and want all of them to be considered qualified. 

FedLoan Servicing stated that during my employment at the Department of XXXX XXXX, from XX/XX/XXXX toXX/XX/XXXX, I made XXXX qualifying payments. But according to my transaction history, I made XXXX payments during this period ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ). 

For my employment at the XXXX XXXX XXXX and United States XXXX Courts ( these are actually the same employer ), from XX/XX/XXXX to XX/XX/XXXX, FedLoan Servicing said I made XXXX qualifying payments. But according to my transaction history, I made XXXX payments during this period ( XX/XX/XXXX, XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX ). 

I emailed FedLoan Servicing on XX/XX/XXXX, but have not received a response.
re : bait and switch I purchased a  XXXX   XXXX  phone in  XXXX   XXXX . This purchase was based on the  XXXX  sales literature stating 0 % interest with 24 months to pay :   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX  A credit card account was assigned to me with Synchrony Bank. On  XXXX / XXXX / XXXX , I requested the following from Synchrony via their online email : " I received documentation for this new account today via mail. The documentation does not indicate the terms from the  XXXX   XXXX  which I understand to be two years interest free on my opening balance of $ $ $ $ ; payments monthly of approximately $ $ $  . I s this correct? '' Synchrony replied saying it would  take two billin g cycles to get an answer. I am still waiting for that answer!!     Instead of the  two year, 0 % deferred interest, my Synchrony acco unt was setup with a one year deferred interest period, expiring on   XX/XX/XXXX . Base d on this now 1-year period, I setup monthly automatic payments, collected by Synchrony, from my checking account so as to have the balance paid off within the one year deferred interest period. Payments are being paid on time.     As of my  XXXX  Synchrony statement, the deferred interest period expiry was sti ll  XX/XX/XXXX . As   of my recent  XXXX  statement, the deferred interest period is not even mentioned and the deferred interest of almost {$64.00} has been debited to the account. It now looks as if the deferred interest period was for 6-months. Is it that Synchrony saw that I was paying the balance down within the 1-year deferred interest period expir ing on  XX/XX/XXXX  and  decided to change it to 6-months to earn the interest ... a classic bait and switch??     I am fed up trying to get answers from Synchrony and  XXXX  also offers no help.
XX/XX/XXXX, I had a jpmorgan account at chase, and I had to pay off a balance of XXXX. Which I paid it off in year of XXXX. So the manager that was filling in for another manager checked and said I paid it in XX/XX/XXXX, and he called and they alouded me to be added on to my moms account. Also when I went in to open the college account a banker said it wo n't let me because there was a balance of XXXX I had to pay again, after I paid it in XX/XX/XXXX.  The banker called the 1-800 number and one of the ladies said, I will be able to open and use an account in my name once I pay that balance again. So then, I opened a college account in my name and had the card they sent me for my moms account linked to my college account. Basically removing myself off my moms account, which they broke their rule of chase, " the owner of the account has to be present when removing another person from the account the two have to sign paper work so that you can be removed '' so my mom is in XXXX  and I 'm in XXXX. After they changed me to my college account a couple days later it said account was suspended. So they took my money twice and canceled my account. I have receipts from when I paid it on XX/XX/XXXX
Enhanced Recovery Company is trying to collect a debt that was already deemed invalid and removed from my credit report by another collection company, XXXX XXXX.
The above noted loan continues to show on my personal credit report as an outstanding loan. The loan was paid off when the property was sold. Payoff date was XX/XX/XXXX. This is impacting my credit score and loan to debt ration, as the XXXX XXXX  monthly payment and XXXX XXXX balance is still showing as an obligation on the property associated with this loan. The property address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I provided copies of my credit report to Specialized Loan Serving per their request when I contacted them again on XX/XX/XXXX. I originally called on/around XX/XX/XXXX to contest this with XXXX XXXX XXXX escalation department and was assured it would be removed from my credit report. As of XX/XX/XXXX that had still not happened. I was also told a letter would be sent to my address of XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX stating this loan was paid in full. I have yet to receive any acknowledgment. 
I am very frustrated by the lack of action on XXXX XXXX XXXX.
I had a USBank checking account. I have been keeping the account balance above {$1500.00} to avoid the service fee. When I decided to close the account last month, I transferred all the balance to another account outside USBank, and tried to inform them about my decision on closure via secure message. But I received their message back after several days, saying they can not close until I call them, and they already charged me a monthly fee of {$6.00}, making my account balance negative. I called them to close the account, and later I found the account was no longer in my online banking account, and I had no way to access it anymore, or pay the monthly fee. But today I received an email saying they are going to charge me {$25.00} per week overdraft fee, as well as a {$30.00} charge-off processing fee in XXXX. Also they are going to report this to consumer reporting agency. I think USBank is being ridiculous in this case. I informed them to close the account in the first place, but they did not, and charged me a monthly fee instead. Now they are saying I overdrafted the account because of they putting a unfounded monthly fee on my account, and they are going to charge me {$25.00} per week based on that, as well as a {$30.00} charge-off fee. Even if I intended to pay XXXX {$6.00}, I had no way to do so now since it is no longer in my online account. I want them to remove all these unreasonable fees.
Navy Federal refuses to transfer money from my checking account to my credit card. They refuse to send me their arbitration certificate which is stated in their membership agreement is available. Every time I call Navy Federal they disconnect the call or place me on extended hold periods. They mishandled a dispute and recharged my credit card and a credit card that I am an authorized signor on. Navy Federal refuses to provide me with information regarding their alleged investigation and the information on why they denied my claim. I am also not receiving paper credit card statements in the mail, I receive emails to view my statement online but my online access is blocked. I want to records of all the statements that have been mailed.