WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I leased a car with XXXXXXXX XXXX in XXXX, NY ( 3 year lease ). In the winter of XX/XX/XXXX I started receiving calls from XXXX XXXX offering me the opportunity to turn my lease in early. XXXX XXXX kept on calling me until finally ( in XX/XX/XXXX ) I went in to listen to the offer. Before even attempting to listen to the car salesman, I asked if I would be required to pay any money ( at all ). The man insisted I would not. The car I was turning in was way under the mileage amount and there were no damages to the car ( besides a few stains on the seat which I absolutely would admit to ). When all was said and done, I turned in my lease and exchanged it for a new lease. I decided that I would come back to exchange the cars due to the fact that I needed to clear items out of the trunk. I returned to exchange cars and, again, asked the salesman if everything was set and done. I asked if the car is okay and all set, and the man insisted " yes yes everything is taken care of. '' Like I should have imagined, it was n't. In the summer of XX/XX/XXXX I  received a bill. I called XXXX XXXX XXXX  requesting a rundown of this bill. The man on the phone could not tell me what I was being charged for and someone said that they would call me back. No one ever called me back. In Fall of XX/XX/XXXX I received a bill from a credit reporting agency. Hyundai had sent the bill to a XXXX XXXX  XXXX. I went into Hyundai demanding to know why I owed the money. The manager of XXXX XXXX claimed upon inspection the car had damages totaling to such a large amount. They also mentioned some kind of fee in which I am required to pay because they did not get the amount of money that they wanted at auction. I told them that I am not paying this bill due to the fact that this inspection was done with none of my input and out of my sight. As well, I was not informed of other fees even though I consistently asked if there would be other fees. Furthermore, even though XXXX XXXX XXXX sent this bill to collections, they are still reporting it as late EVERY MONTH on my credit report. I am taking them to small claims court but I also need something to be done about the reporting that they are doing. It is not right and they participate in predatory practices and underhanded transactions. They preyed upon individuals and when all is said and done they do n't do anything to assist you.
Collection Agency : XXXXIs reporting inaccurate collections account on my credit file. I have disputed this account several months ago and they still refuse to remove it from my credit file. The last time I spoke with someone from the collection agency on XXXX/XXXX/15, the lady said that i had to give them 30 days to investigate. Although it had already been 2 months, I decided to wait 30 more days. I called today XXXX/XXXX/15 and the guy that I talked to today acknowledged that it had been more than 30 days since I last spoke with them on ( XXXX/XXXX/15 ) but told me I still had to wait because they still had n't received the info they were waiting on from the original creditor. I told him this inaccurate information is destroying my credit and I have been patient with them for at least 90 days but was still told I had to wait longer and they would call me if they heard anything. My original dispute was in XXXX 2015 and as of today ( XXXX/XXXX/15 ) this inaccurate account is still on my credit report. I am very disappointed because this collection agency still refuses to remove this from my credit file even though they have not been able to validate it.
I signed up for a " free '' credit report at the Experion website. I was advised that my credit card would be charged {$1.00}. Next thing I saw on my XXXX statement was a charge for {$21.00}. I contacted Experion yesterday, XXXX/XXXX/2015 and was told that I had signed up for credit services from them. I told them to my knowledge I had not and did n't want the services. They agreed to cancel my membership but refused to refund the {$21.00} they charged on my credit card. I called my Bank ( XXXX XXXX XXXX ) and they advised that due to an agreement they have with Experion they were unable to file a dispute for me. I have since researched this on the Internet and it appears that many other people have been taken in by this " scam ''.
I have Opened an account at Chase -- Three months ago. 
I got a Credit card with Chase -- Freedom Unlimited Visa. 
Recently during the HOLIDAYS XX/XX/XXXX I made a purchase ( around {$600.00} best buy ) with the card as I got a very nice deal on few items. The transaction went thorugh without any issues and was cancelled after three days as the transaction was declined by Chase. Chase Freedon Unlimited says that it went to Fraud and they placed a hold on it. I did not receive any call from Chase regarding the decline. 
I called the Chase Visa office directly and they said they can not do anything about it. 
I am really disappointed with the service. 
These are the reasons for my disappointment 1. I did not get call that my creadit card was declined from Chase. 
2. My shipping address is same as my Chase Credit card/ Bank Address . 
3. I have a really bad experience with Chase as nothing was done to keep me as a customer 4. Who will cover my loss as the deals are no longer available in any store.
I would like the CFO from Barclays Credit Card dept to contact me. I contacted XXXX XXXX on XX/XX/XXXX between the hrs of XXXX-XXXX card ending with XXXX. Information XXXX XXXX XXXX SS # XXXX. DOB : XX/XX/XXXX. Spoke to 2 different females that same day. First female asked me mult. questions in regards to my needs and service. Told her that I and my family are getting ready for our Annual XXXX XXXX trip. Usually spend $ 7k- $ 10K on each trip. I was thinking of using this card as for the perks and service for the first time. So the first female asked mult. questions to verf, on me and then xfer to another female. The Second female person ask mult. questions again and same questions as well. So it was like the first female rept. did not give a warm xfer and just xfer me with no reason why I was calling. So already first call lack of service from a luxury card. Not saying that I already paid them {$500.00} annually fee from the get go. Also the card has never been activated and first card was used without my permission for under {$100.00} at some XXXX gas station. So already mult errors and not even using the card. 
So the reason for my complaint is that : So the Second female asked purpose for the cc increase : told her vacation she ran my credit report : score XXXX she ask me many questions and for each question she place me on hold for at least 5 mins. Question like why both personal loans : one was for outdoor kitchen and other was for new home design upgrades inside : As of today both loans paid off. took out $ XXXX and paid them off on 6 mths. need proof NP. I will them. So then she ask new XXXX XXXX XXXX cc why : told her my grandmother passed away in XX/XX/XXXX and XXXX honor me 40 % off the {$500.00} suit if i open a new acct. So I did. 

let me let you know CFO : i underwrite loans and let me let you know. 

i have over 100k in credit card that have with 10+ trade lines. 
i have 2 homes paid well $ XXXX in 16 yrs. 
i have credit since XX/XX/XXXX never late ; 24+ yrs. 
i have over 35+ trade-lines with comp credit and way more. 
my annual base is $ XXXX plus $ XXXX annually commission. 
my dti : is way under 10 % my unsecured debt ratio : 11 % low risk v high risk : please let me know. 
key factors : length of time of XXXX : since XX/XX/XXXX. 
since open new acct : too short : why does that matter? 
low balance : no cc has a balance all {$0.00} paid off. 
too many accts with balance show me. please.
XXXX had deleted XXXX XXXX XXXX XXXX account off my report now they reinserted it again on my report as of XXXX XXXX 2017. This account in the amount of XXXX was verified to be deleted. Now it 's back on again. I have been dealing with all 3 credit reporting agencies for months now. Once it has been verified to be deleted as it was it should not have been put back on my report
XXXX  Chase Auto - Inquiry From XX/XX/XXXX Est date of Removal : XX/XX/XXXX This Inquiry was not me. this is a result of identity theft. 
I was paying XXXX XXXX & XXXX XXXX XXXX to fix this and it never was removed from my Credit Reports.
Acct closed under CHPXXXX Bankruptcy and still showing under my XXXX credits reports.
I have an auto loan with Citizens One Auto Finance of XXXX, RI. My loan is current to date and always has been. I have an excellent credit score of the high XXXX/low XXXX. My loan has no pre-payment penalty clause. This is where the problem starts, on four separate occasions to date I have sent payments for principal only to be applied ( when my bank provided remittance slip shows {$0.00} due ). I put the amount in the Principal line and they repeated ignore this direction and continue to treat it as a regular monthly payment and split the payment as interest and principal. In addition this bank makes it very hard to make a principal only payment, you can not do it via their on-line loan payment tool, you can not do it via my own bank 's pay bill by putting " Principal Only '' in the memo field, and apparently they ignore the information on their own bank provided remittance slip. 

When i call the bank it has been a mixed bag in getting anyone to do anything. One representative told me this is not like a mortgage ( whatever that means ) and that the bank will always split to get the interest they are due. Others tell me they will put a work order in to have the transaction corrected. 
This sounds and seems very much like a back handed way to get around the no-prepayment penalty portion of the contract. 
I have never dealt with a consumer finance organization like this that makes it exceedingly difficult to reduce your principal amount. Right now it is a stalemate. I never pay bills via check and the postal service any longer except for this bank. So now I have to write a check, send in the remittance slip, pay the postage, and then login to their online portal after payment is received and see that they took the interest out again. I call their call center, complain, and hopefully get a rep that understands the situation and backs out the transaction. 
Please look into this, if they are pulling this stunt on financially able consumer like myself, what are they doing to the less fortunate. 
I smell a rodent here. 
Sincerely, XXXX XXXX
In XXXX XXXX, I went to XXXX XXXX in XXXX, Ohio. No X-rays were done, no medication administered, and I was only there about 20 minutes. XXXX XXXX submitted the wrong dates to the insurance company, so there was a payment issue. I called XXXX XXXX repeatedly for an itemized bill of services and sent emails to show I was not in the state on the dates they submitted to the insurance company. XXXX XXXX has sent the bill to several collection agencies, I have continually disputed it, and now Snow and Sauerteig has it on my credit report.
I paid my XXXX taxes on line on XXXX/XXXX/XXXX through XXXX XXXX XXXX had to use my American Express Credit Card for payment. On XXXX XXXX, XXXX when I received my XXXX bill from American Express, there were XXXX pages of charges from XXXX for over XXXX I did not authorize these charges. I have been working with American Express Fraud Dept. to settle these charges Each time I call ( over 20 times now ) I get a different person to talk to & get disconnected multiple times. I wrote the XXXX letter on XXXX XXXX, XXXX documenting what has happened. On XXXX XXXX I receive an email notice saying that my account was past due almost {$4000.00}. On XXXX XXXX, XXXX, I filed a police report & faxed XXXX pages of documentation to American Express Fraud Dept. I called them on XXXX XXXX to make sure they had received the fax - they did. I heard nothing from them. I called American Express on XXXX XXXX, XXXX. Was disconnected 4 times in over an hour period of time. Talked with Supervisor & given new fraud case number XXXX. I printed out my credit reports from XXXX & XXXX. Found that American Express had reported that my account was 30-60 days delinquent at each Credit Bureau for {$6800.00}. All of that money is from the fraud charges! I called American Express Credit Bureau Unit. They immediately referred me to the Fraud Department. XXXX a Fraud representative said that she would investigate & get back to me this week. We shall see.
Hello, I opened a checking account with Citibank online on XX/XX/2016. The account is a citigold and I opened it online and used a promotional code to receive XXXX XXXX miles. I had to meet certain spending and payment requirements within three months, which I did. When I opened the account online I used this promotional code XXXX, which was then confirmed as valid. Three months later, I followed up via chat online with a representative of Citibank who confirmed that I was eligible for the promotion. XX/XX/XXXX I sent a secure message to citibank to follow up on the promotion as I had already waited 90 days since meeting the requirements and no miles were posted to my account. The reply to that message as that I was not eligible for the promotion. Thus I am following up with a complaint to the consumer finance protection bureau as I believe Citibank misled the potential consumers. 
I have participated in many other promotions online for finance institutions and when I was not eligible for a specific promotion, the system would let me know as I was taking steps to open an account. Citibank 's actions are not acceptable as I spent time and money to open the account, invest funds, set up payments, follow up on the promotion, with contradicting messages from the representatives. 
Thank you, XXXX XXXX
I am writing to the CFPB for assistance in removing a 30 day late payment that XXXX XXXX XXXX XXXX reported to the credit bureaus in XX/XX/XXXX. The refusal of XXXX XXXX/XXXX XXXX XXXX XXXX to remove this one late payment has literally destroyed my previous long history of outstanding credit. It has also crippled me in being able to obtain any new credit. 

In XX/XX/XXXX, my Mother-In-Law was diagnosed with XXXX and had to XXXX XXXXXXXX and other treatments. I was her XXXX  for over a month. Due to this unexpected event, I overlooked being late on my Ford Credit car lease payment. When I realized that I had forgotten to make the payment, I had slipped into being 30 days past due. Ford Credit immediately reported this to the 3 credit bureaus and my XXXX credit score plummeted 100 points overnight. 

I wrote a good faith request letter to Ford Credit on XX/XX/XXXX. In the letter, I explained my unfortunate circumstance with my Mother-In-Law and the fact that I had been a loyal customer to them for the past 10 years, and 3 consecutive car leases, with no late payment issues. I received a response back from them on XX/XX/XXXX refusing to remove the late payment. The letter said that the " reported information accurately reflects our experience with your account. '' Once again, this could be no further from the truth given my 10 year history with them. 

After I received this response, I decided to reach out to the General Manager over the dealership where I had leased my last 3 consecutive XXXX vehicles. The GM agreed to try and provide assistance. After spending several weeks trying to work with Ford Credit on the removal, he was instructed to tell my husband and me that Ford Credit could not remove the late payment because " the Consumer Financial Protection Bureau rules prevented them from being allowed to remove it from my report. '' The GM confirmed the name of your organization in his e-mail exchange with me. 

Ford Credit 's stance is very hard to believe since the CFPB is in place to protect consumers. In addition, there is something inherently wrong with a credit bureau system that would allow a consumer like me to be penalized 100 points on a credit score for one 30 day late payment, especially given the tragic event that was the reason for the late payment. This is certainly not a true reflection of my credit worthiness. 

I would like to appeal to the CFPB to help me to correct this issue since Ford Credit has used the CFPB as the reason why my late payment information was not allowed to be removed in good faith.
I tried pulling my credit report to refinance the balance of my vehicle loan with XXXX XXXX XXXX. I come to find out that XXXX reported me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the XX/XX/XXXX and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.
Hello - Myself a single mom protecting her family from a violent case of domestic  XXXX , if this debt collector has any knowledge of the law when they see - I was awarded full and sole custody of my children, they should understand.     In   XXXX   thought it was all over and we finally safe, unfortunately this was not the case - I again had to make the choice to use all my funds to re locate my family.     As I have stated many times to this debt collector no one will rent to me with this reported collection on my report. This debt collector  Midland Credit Management , Inc. reque sting proof of my hardship. Attached is proof of my hardship all white outs are to protect my children.
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$940.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Dear whom it may concern, I did nothing wrong, but discover closed my XXXX discover credit cards without even a notice. That really frustrated me and caused my inconvenience.
I submitted my dispute to JP Morgan Chase Dispute Department on XX/XX/XXXX. 
Claim Number : XXXX I explained customer service representative that I'm disputing a transaction that was posted on my checking account on XX/XX/XXXX with merchant XXXX for {$27.00}. I disputed this transaction with my bank due to merchant cancelled the above referenced transaction per my request and the clerk at XXXX  station confirmed to me that my debit card ending in XXXX would not be charged since I did not fill a gasoline. 
I noticed that my debit card was charged on XX/XX/XXXX for {$27.00} from the merchant. I have been trying one more time to resolve a cancelled transaction with a merchant on XX/XX/XXXX and it was unsuccessfully. 
Therefore, I submitted claim of disputed transaction to JP Morgan Chase on  XX/XX/XXXX and bank accepted for research and I was advised that temporary credit will be issued to my account until they complete their research. 
On XX/XX/XXXX, I received a letter from my bank that notified me that they completed their research of my claim and found that the transaction was processed correctly or was authorized. 
I called dispute department on XX/XX/XXXX and spoke to representative who advised me to contact merchant directly to resolve dispute. I also spoke to account specialist Supervisor named XXXX and she was assisting me with my dispute. Supervisor advised me since the bank has no dispute rights for automated fuel dispensers, the transaction is considered is valid and referred me to contact merchant directly to resolve dispute. I explained them that I have already contacted merchant and was unable to resolve dispute for this transaction. Chase advised me that temporary credit will be removed from my account. I informed bank that I did not receive any service or merchandise from the above merchant, therefore I'm loosing my money. Supervisor confirmed me one more time that bank is loosing my since they do not have dispute rights for this transaction. I completely disagree with Chase research and submitting my complain to Consumer Financial Protection Bureau for further review.
In XX/XX/XXXX I settled and closed a credit card with XXXX XXXX that had a high balance of {$1600.00}. Subsequent to accepting a settlement offer XXXX has been and continues to report a high balance of {$13000.00}. Obviously since this is 12 times the original high balance it is a HUGE negative on my credit reports with all 3 companies ( XXXX, Experian & XXXX  ). I have disputed this many times, sent in copy of the last statement and called to no avail. HELP!! it is just wrong that XXXX is doing this and need your kind assistance to get it corrected. 

Am attaching a copy of the last XXXX statement upon which a settlement was negotiated and also a copy of Experian dispute results from XXXX.