WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for Chase XXXX XXXX XXXX XXXX Card through an offer that came in the mail that promised XXXX bonus miles ( see attached pamphlet ). 
Even though I used the exact website indicated, signed up before the deadline and met the minimum spending required, I never received the promised XXXX bonus miles. I received XXXX, which is their more standard offer. 
I contacted Chase even before the 3-month spending period to make sure XXXX would be awarded, since I didn't see any indication of this in the site at the time of signing up. I was told to wait the three months. 
I contacted Chase again 4 months after opening the account ( and meeting all the minimum spending requirements ) and was told I wasn't eligible, without an explanation ( see letter attached ). 
I followed up recently and was told that because my account has been open for more than 3 months, the offer can not be awarded!
My ex husband was awarded the credit card debt in our divorce per the divorce decree MO case number XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the divorce, he has neglected to pay them, and it has dropped my credit score significantly.
In 2005 Chrysler financial gave debt details to my chain of command. XXXX. I was behind on payments and was aproached while in XXXX. My pay was being withheld by my chain of command because I was disciplined for XXXX ( I was XXXX and a XXXX vet ). Therefore I was n't making enough to pay bills. I was ridiculed as a bum and as irresponsible.
Pulled credit report XXXX/XXXX/15. Sent validation request of XXXX medical collection accounts. Received response from Business and Professional dated XXXX/XXXX/15 refusing to provide validation. Their " reasonable belief '' is incorrect ; validation request was NOT prepared or submitted on my behalf NOR was it supplied by a credit repair organization.
I received communication from Portfolio Recovery associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement. A billing statement does not show a binding contract per FTC XXXX letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
On XX/XX/XXXX upon applying for a mortgage pre approval the lender notified me of a judgement on my credit report from the state of XXXX that was dated XX/XX/XXXX. I had no knowledge of this judgement as I had not received any notification, in fact, my family and I had relocated to XXXX in XX/XX/XXXX. A change of addrsss was listed with the USPS. I contacted the creditor listed on my credit report, Mountainland Collections in hopes of gaining insight on the matter. I was transferred to a manager who then referred me to XXXX XXXX XXXX at XXXX XXXX. I explained to the collection manager that I had no idea what the judgement was for or that it even existed, I requested copies of documentation so that I could verify that the debt did in fact belong to me. She told me no, she would not provide that information to be because I was already served with papers back in XXXX, if I wanted documentation I would need to contact the courts. I explained to her that I had not received any summons or otherwise from a process server, she proceeded to tell me that my husband was served with the papers. I told her that was not true, neither of us had any knowledge of the situation nor had we ever been served. She proceeded to ask me how I intended to satisfy the judgement, I told her again that I needed to verify that the debt belonged to me and if so I would gladly make arrangements. I asked a second time to have the documentation from the original creditor and she refused. She became insulting and told me that if I were a responsible individual that paid my bills I would not be in this situation and she will be looking into options on collecting despite my living in another state. I finally grew frustrated and ended the call, I then made multiple calls to the court system in XXXX, XXXX to find some sort of documentation or paper trail. I finally spoke to a clerk that gave me the name of the original creditor, she also informed me that the collection agency could not refuse to provide me with the documentation that I requested. On XXXX XXXX after reviewing my pay stub I saw that a garnishment was listed, I never received any notification of a garnishment nor had any knowledge of their intentions. I contacted payroll and was told that papers were served to my prior address, an address that I have not lived at for 5 years. It was only because of my payroll manager that I even received any documentation on the garnishment. I have no issue paying on a debt that is rightfully mine but when I have zero knowledge of the situation and nobody that is willing to provide me with supporting documentation there is a serious problem. In both instances I was not able to dispute the validity of the debt or actions taken because I was NEVER personally served or notified. Now I have a garnishment that is over 3 times the amount originally owed, a judgment on my credit report and 25 % of my pay check is being taken for a debt that I do n't even know belongs to me.
I got robbed on XX/XX/2018. Thieves stoled my Kohls credit card. Called their customer service and spoke with someone who did not want to help. Emailed company on XX/XX/2018. No response. Called again on XX/XX/2018 and customer service was no help again.
Experian reported a wrong collection amount on my credit report from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX. They denied my disputes and refused to provide written explanation. I spend my valuable time and hard earn money to prove that they were wrong. Please see attached documents for detail.
My personal information may have been compromised in the Equifax security breach earlier this month. In today 's world it is basically impossible to make major purchases without developing some sort of credit history. Essentially consumers are forced into using credit cards, and therefore divulging personal information to 3rd party companies such as Equifax. There should be certain safeguards/security in place to protect this data. This was not done for millions of people and that is wrong.
IN REGARDS TO : XXXX STUDENT LOAN AUTH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I HAVE SENT NUMEROUS OF LETTERS PERTAINNG TO THE VALIDATION OF THESES ACCOUNTS THROUGH CERTIFIED LETTER RECEIVED XX/XX/XXXX BY XXXX XXXX. THE ACCOUNT SHOULDNT BE REPORTING AS IT HAS BEEN TANSFERED AND SOLD TO ANOTHER LENDER THROUGH CONSOLIDATION. THEY ARE ALSO INACCURATELY REPORTING THE TERMS DURATION OF 144 MONTHS AS WELL AS THE DATE OF LAST PAYMENT XX/XX/XXXX AND THE DATE OF LAST ACTIVITY WAS XX/XX/XXXX. NOW HOW IS THAT EVEN POSSIBLE? THEY HAVE NOT COMPLIED WITH THE FTC NOR FCDPA AS FAR AS IM CONCERNED AND I AM CERTAINTLY OUTRAGED BY THIS.
Wells Fargo Retail Services a Division of Wells Fargo Bank N.A with an address of XXXX XXXX XXXX XXXX NC XXXX is trying to report me as being late to the credit bureaus when in fact they entered into an agreement with XXXX XXXX XXXX out of California on my behalf. I hired XXXX to help me with my debt because of a loss of employment and health reasons. I was unable to make my payment, but entered into an agreement with CCC to negotiate with all my creditors. Wells Fargo was one of them. I was late with my payments and in XXXX I signed off on an agreement with CCC and they contacted Wells Fargo Retail Services on my behalf. Wells Fargo accepted an agreed amount of XXXX per month to receive as a payment. All past due amounts, fees and high interest rates were supposed to stop and cease at the very moment they accepted payment. But yet Wells Fargo is trying to report me as being past due to all the credit bureaus and that is not the case. They are saying i am past due XXXX and that is not the case. This is simply a case where this company agreed to a specific amount and are now trying to get more outside the scope of the XXXX agreement. This is nothing more than a Fraudulent attempt to reneg on their agreement with CCC. They are willfully trying to extort more money from me and trying to harm my credit because I am refusing to pay anymore than the amount that was agreed upon. My account is supposed to be reported to the credit bureaus as paid on time based on the terms and conditions of the XXXX agreement. I now may have to remove them completely from the XXXX program, default on the loan and leave them with nothing since they want to be greedy about this. Why continue to pay them an agreed upon amount each month for them to report as late or past due. This company has been found guilty of fraud int he past, they have agreed to pay multi-millions in fines because they opened up fraudulent accounts and now they want to pull this on me? Unacceptable.
On XX/XX/XXXX, we traded in our XXXX XXXX XXXX to XXXX XXXX of XXXX XXXX, PA with a balance remaining on our Chase Auto Loan. On XX/XX/XXXX, XXXX XXXX paid off the auto loan according to the payoff terms provided by Chase Auto. On XX/XX/XXXX, XXXX XXXX received a letter from Chase saying " Your account is now paid in full '' as well as the vehicle title. 

On XX/XX/XXXX ( 15 months later ), we received a letter from Chase Auto requesting that we pay a remaining balance. After calling to dispute and provide documentation, a representative assured us that he would take care of it. Follow up calls were not returned. On XX/XX/XXXX, we received a letter from a debt collector that gives us 30 days to pay or dispute before our credit is affected.
On XXXX XXXX, 2015, someone withdrew {$1000.00} from my Citibank account at an ATM. It was XXXX withdrawal of {$500.00}, XXXX of {$200.00}, and XXXX of {$100.00}, all within about XXXX minutes. I did not make the withdrawals, nor did my sister, who is my joint account holder. We discovered the withdrawals the next day and made a fraud report. The withdrawals were done using my ATM card number and PIN, but I had the card with me at all times. I believe someone created a counterfeit card from skimming my information from, most likely, a gas-pump card reader. Or perhaps it was an inside job. Citibank made an investigation and informed me XXXX XXXX that my case had been " resolved '' -- they told me the money would not be restored because I had the card in my possession and because the activity was " consistent '' with my normal banking activity, which I can assure you it is not. I appealed and they reopened the case ; at this time I also made a police report. Citibank then informed me XXXX XXXX that the case had been " resolved '' again, and stood by its original decision not to restore the money. I appealed again, but was told XXXX XXXX, XXXX more, that the money would not be restored.
The student loan was opened originally XX/XX/XXXX and consolidated in XX/XX/XXXX under a student loan consolidation to include all my federal loans. One however did not make it. The loan was then sold to XXXX and although I had my loans in hardship forbearance the bureaus still have inaccurate information on my credit report. I was told, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due since XX/XX/XXXX - XX/XX/XXXX on both XXXX  and Transunion. I can't seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
i'm the tenant living at XXXX XXXX XXXX XXXX, NY XXXX XXXX . XXXX. There was a certified letter from Rushmore Loan Mortgage company in the mail box, of which I left on the counter. The reason I'm contacting the CFPB is because I sent a letter to the SEC with a bunch of documents, because XXXX XXXX the condominium owner was XXXX and after one year the property is still in his name. and from XX/XX/XXXX to XX/XX/XXXX the property went through foreclosure. Some how the condominium board was able to collect the rental income from XX/XX/XXXX to XX/XX/XXXX from NYCHA while I paid my portion to XXXX XXXX. I was never served the required documents under RPAPL 1304 thru 1307. NYCHA can't produce documents showing XXXX XXXX XXXX compliance with RPL 339 : aa, z, kk. DHCR refuses to supply XXXX XXXX XXXX response to my complaint. So, my question to CFPB is Rushmore Loan Mortgage company so corrupt that they would open a mortgage loan in a dead man name? If the loan was taken out prior to XX/XX/XXXX ( the date of XXXX XXXX XXXX ) how did they receive the mortgage payments, because no estate file is filed with the XXXX Supreme Court. I haven't had a landlord in over a year and I'm curious why Rushmore Loan Mortgage Comapny would be sending certified mail to a decease person. I believe the SEC didn't investigate because the XXXX XXXX XXXX XXXX and the State of New York Retirement Fund was invested into the property,
I applied for a mortgage refinance in late XXXX. I got rates from a few different lenders and went with Guaranteed Rate as they quoted me the best offer. After submitting all of my documents I was made aware of a mistake on my XXXX & XXXX tax returns regarding my rental income. I was then instructed that to fix the errors I had to file amendments. I verified with the loan specialist that this was necessary and would make a difference because if not I wanted to go with another lender. I was assured this would be the same anywhere I went and since rates were about to go up it was best for me to stay with them. So, I did exactly what they said which was amend my tax returns for XXXX and XXXX. They also said I must file them with the IRS in person, pay for any outstanding taxes, and get the amendments and proof of payment stamped. Once that was done I resubmitted my tax returns to them and then was told that they were denying my loan because they would n't accept the amended tax returns because they said I just made it all up just to get the loan. Interest rates are now much higher and my credit score has now taken a hit.
After reviewing my XXXX credit report I was very concerned to realize that I had negative items listed that are all medical debt from the same company FMS Inc with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ) which shows any services I had have a XXXX balance and that had if had any services ( Which I did not ) they would have been fully covered insurance. This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing these medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from FMS Inc stating that I owe the debt nor have they legally validated the debt after several disputes with FMS Inc. as well as XXXX & XXXX I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX. This is also validated through XXXX the original debtor which I am including in documents ( this would leave no reason for an unpaid medical bill ). I have disputed the validity of this debt with XXXX and Fms Inc. multiple times. I do n't know how The credit bureau 's or FMS Inc could accurately or fairly verify the accuracy of this debt and still remain within HIPPA laws. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow XXXX the promptly remove these inaccuracies from my report. I feel very violated that I even need to provide my medical history to show that I have not had services unpaid through XXXX. 

All account posted to credit bureau on the same day. on XXXX FMS XXXX XXXX/XXXX/XXXX {$3900.00} XXXX Debtor XXXX FMS XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX All account posted to credit bureau on the same day.XXXX FMS XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX FMS XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX FMSXXXX XXXX/XXXX/XXXX {$460.00} Origianl Debtor XXXX
I am trying to get detailed information regarding missing payments to this account, XXXX x XXXX UNITED CONSUMER FINANCIAL SERVICES Account # XXXX. 
I have sent Emails on XX/XX/XXXX and XX/XX/XXXX, and have spoken to UCFS on the phone on XX/XX/XXXX, XX/XX/XXXX, and twice on XX/XX/XXXX, in every instance I have been refused the information I requested. 
I simply want information regarding the payments I had made ( verified, processed, posted, and reflected in my account balance ) that have disappeared. 
They claim they do not have that information and can not supply me with any explanation other than that they were reversed. 
If that was in fact the case, they are obligated to provide me with detailed written statements FROM the Federal Reserve of the reversals.
I'm a victim of identity theft. I have been working with XXXX and the FTC. My checking account with Wells Fargo became overdrawn after someone tried to get payday loans and credit cards in my name. This happened before and Wells Fargo did nothing and just closed my account and opened a new one without investigation. This time I was afraid to bring my account current because the person might work for Wells Fargo. I found this out from a conversation from an outside source. The outside source may have misstated the information, but I could not risk it. I made deposits to bring the account to $ XXXX. I felt safe with this amount, while the investigation was going on. Then on XX/XX/2018 Wells Fargo closed my checking account and sent it to collections and reported it to XXXX XXXX XXXX, a consumer reporting agency When I asked Wells Fargo in new accounts my closed account is listed as a " Charge Off '', even though I called and paid in full today XX/XX/2018, and was told my account was never sent to collections. So now Wells Fargo sent to to executive section for an investigation because an employee might be involved. Wells Fargo can not investigate this issue, it needs to be assigned to an outside entity because I already know Wells Fargo will decide in their favor and not mine. I'm the victim.
In XXXX XXXX, Nationstar Mortgage bought my home loan from XXXX XXXX XXXX. Somehow during the transaction, a paperwork issue occurred between the banks. Nationstar added a " late fee '' to my loan account, even though I had nothing to do with the transaction. Nationstar has acknowledged to me that the fee was erroneous since XXXX XXXX, and yet they have never removed the late charge from my account. My account is in good standing as I have never been late with a payment on the account. Nationstar has not removed the erroneous late fee and it is now XXXX XXXX, so it is now 4 years later and the " late fee '' still appears on the account.
When Capital One Bank receives funds by EFT, it refuses to make those funds available for 5 business days. I know that such delays are intended to protect them if the funds are not honored by the source financial institution. That makes some sense for a check, but not for an EFT, unless Capital One can make a case that the source bank creates EFTs without underlying funds, which seems preposterous. Some banks other than Capital One have no such delays for EFTs ; some others I know have delays of a day or two.
On XX/XX/XXXX I was contacted by XXXX, last name unknown. She started by saying this call is being recorded. She told me that I owed a debt to XXXX XXXX. I told her, yes I do. I told her that I was at work and could she call me after XXXX. She would not get off the phone. Finally she said for me to call her when I get a break. I called her around XXXX, the call went to voice mail. I left a message. On XX/XX/XXXX I receive a call from XXXX, who started the call by saying she is recording this. She preceded ask me what happened, why did I fall behind. I explained to her that the payments we to high for me to handle and I fall behind. She proceeded to say, well I need to know what happened, I know that you are a proud person, and I really need to know what happened. I explained to her that I had XXXX on my XXXX and that my insurance didn't cover {$5000.00} of it. They payments were to high for me to handle and that I was falling behind with all my bills. I told her that I contacted a debt consolidator to help me with my credit. I told her what he wanted me to pay {$450.00} every 2 weeks, and that I couldn't afford that. So I contact my creditors on my own and was making arrangement to pay them off 1 by 1. She said well you never called XXXX XXXX. I told her I was going to call them because I know I owe them. I told her I would like to make arrangements to pay this debt back. She started asking me, questions like what happened, I see you paid so much and you stopped in XX/XX/XXXX. I told had fall behind because the payments were to high but I am willing to work something out to pay this. She said that she needed to know why I let it go. She said that I was to proud to tell her what really happened. I said to her what do you mean. You can tell me what is really going on. She says so you had XXXX  XXXX and the payments were to high. Yes. I said that is what I said. Really XXXX you can tell me what really happened. I said to her, I am sorry, what do you want me to say. I know you are a proud person, just tell me the truth. I said to her are you trying to collect a debt or are you a councilor. She says just tell me the truth. I told her that the call was now ended and I hung up on her. She gave me know account number. She was very rude and to me she wanted me to get angry. She kept saying I know you are frustrated. No. I said to her. I am trying to work something out with you. But she didn't want to hear that nor did she seem to want to work anything out.
My mortgage was sold to US Bank over a year ago. My complaint is about what I believe to be tawdry efforts to cross-sell banking services by making it increasingly difficult to log in directly to the mortgage payment portion of their site. Presently, there is no way to get to the US Bank mortgage payment portion of the site. I am redirected to the US Bank consumer banking login, which does not recognize my login and encourages me to open an account or contact a customer service representative who then tries to get me to open an account. For the past several months, a series of redirects has prevented me from bookmarking the mortgage services page directly. The mortgage site is not listed in XXXX, suggesting the company has deliberately structured the mortgage service pages so that customers ( something of a misnomer in my opinion, since they bought my house and demand payment for the benefit of continuing to live here ) have to go through the banking page and, increasingly, must actively decline banking services with every use of this service.
I received a phone call from a process server trying to reach me to serve papers for a civil case. This is a debt that is from 2005. I have not had any communications with this company previous to today. The person on the line by the name of XXXX with XXXX XXXX was very abusive and insulting. They advised me that I am being sued for a debt of XXXX for a car that was financed for XXXX with payments made for 5 years prior to repossession. The amount owed after repossession was XXXX which I recall was paid in full.