WillisBack/dataset-financial-user-claim huggingface dataset:
Every other credit card company was able to help us in our financial hardship. They closed our credit accounts and put us on a five year loan to pay off our balance at half our monthly payments. {$100.00} a month credit card bills became {$50.00} a month and in five years we will be free of the debt. Capital One refuses to do this. They closed our account but continue to charge us {$70.00} in interest every month. After 5 phone calls begging them to help us we got hung up on. We need a five year payoff on our balance with no interest and late fees like every other company did for us. We can not afford the {$100.00} per month Capital One refuses to budge on. If they will not work with us on this we will have to file bankruptcy to stop the huge interest charges from them. They are heartless rude and cruel. If they wont help us I will be sure to tell everyone I know to avoid capital one over all other credit cards
I had impeccable payment history for the fir st 2 years of the Lease.   I bought a home and moved  and Ally Financial stopped se nding me my statements. This of course hurt my payment history as I never knew when payments were due. This only happened during the last year, when I was at a new address.
The account name is Midwest Recovery and Original Creditor is XXXX XXXX XXXX. This charge is NOT mine and has mysteriously placed on my XXXX credit report. I have demanded that this company provide me with a copy of a signed agreement and video of me at their location. 

It seems to me that payday loans are targeting consumers who do not look at their credit report regularly ; I do.
Contacted representatives of the company via telephone and emails several times inXX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
I am part of the 143 million Americans that had their personal information stolen during the one month+ data breach at Equifax . I demand restitution and at the very least free credit freezes for at least three years. That in itself is not good enough to cover Equifax 's horrible data security but it 's at least a temporary band-aid.
I have been looking thru my credit score and i have notice i have several different claims that am not aware or have ever open a cell phone with XXXX. and still they report that i owe them $ XXXX.iam trying to fix this so i can continue with my life and hopefully fix my credit.
This company is trying to collect on a debt that I do not owe or have any knowledge of. This company removed the debt from my credit file and added back on the same exact day. They have not forwarded any proof bearing my signature connecting me to this debt. Per FCRA they was supppose to notify me in writing that the removed debt will be added back to my credit file within 5 days and they failed to do so. This company is in direct violation of federal laws, also I sent a validation letter to asking for proof of this debt and have n't received it.
I found a collection for an old utility bill that was paid several years ago. It was reported by Transworld Systems on XX/XX/XXXX. I never received notice of this collection to be able to dispute. I spoke with several people at the collection company, XXXX telling me that they showed the debt had been paid in XX/XX/XXXX. A supervisor told me they were mistaken. When I asked them to remove the collection from my report and send me documentation on the debt, I was told that it was a process and would take a while to resolve. 
I spoke to the original Creditor XXXX ( Who I still have an account with ) to address, they told me they did not know why it was reported, they showed no open collection account for me.
I refinanced a home of 7 years under a HARP program with Wells Fargo. 
During the life of my old mortgage, with Wells Fargo, I had never been late once with a payment. At the time of securing the loan, I was assured that my PMI ins. would not be " reset '' as I had only about {$20000.00} more of principle left to pay and then the PMI ins could be stopped. After, I found out that my property had been revalued lower and my PMI restarted. I now have about {$40000.00} left of principle before PMI ins can be stopped.
I was notified by Department of Ed ( XXXX sent them information ) that I was receiving a forgiveness for student loan from XXXX and Navient because I have been getting a XXXX payment of {$560.00} p/mo for a number of years due to XXXX. 

While XXXX canceled my payment and refunded my money sent to them since XXXX 2017, Navient did not and continues to bill and acrue interest with no acknowledgement of any kind. I did list them on the sheet from Department of Ed because it is a FFELP student loan. 

I hope you can help me with this dilemma because this loan is climbing much higher instead of decreasing and I can not work.
To : Consumer Financial Protection Bureau. This is to inform that I disagreed entirely with XXXX XXXX XXXX XXXX ( XXXX ) XXXX company 's answer because they stated that I received a letter from Toyota Financial Services dated XX/XX/XXXX saying there is a charge for missing key when I never received any letter. 
My default was inadvertent and reasonable since I was never properly served and did not have knowledge of this action. Also in my effort to resolve this issue with Toyota Motor I went personally to the XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX, and returned the second XXXX XXXX car key and gave it to the Sales floor manager. 

Also I contacted XXXX Toyotas dealer after returned the car key to be sure everything was OK and I spoke with another floor manager by name XXXX who was rude, and talking to me in very inappropriate manner refused to help me and I had to disconnect my conversation with this person. 
I am not a happy customer at all and After I finished my current lease I am not leasing or buying anymore vehicles with Toyota Motors or  XXXX XXXX ; and I am still disputing this charge on my name because is incorrect and not acceptable. 
I am very concern about any negative mark on my personal credit report. 
because they sound not be reasonable and careless. I appreciate any assistance on this matter. Thanks
My information was recently stolen from Equifax, along with millions of fellow United States citizens. Although they are in fact a victim of cyber-hacking, they are also guilty of not taking the proper steps to safeguard the sensitive information that they have access to.
Capital one bank checked my credit report without my permission. I have hard inquiries on XX/XX/XXXX and XX/XX/XXXX. My credit score went down and i got 2 more inquiries in my report. Id like to fix it and remove it from the report.
My paycheck is being garnished for a debt that is unknown to me in the amount of {$4400.00} ( this included fees ). I requested information from the Plaintiff attorney, however they did not comply. I was told they could not tell me and I had to pay. Basically they were not very helpful. I received the garnishment papers from my employer on XX/XX/2018. I called the Plaintiff attorney on XX/XX/2018. I attempted to request a hearing, however I did not have the funds to pay to request the hearing.
Chase rejects customer payments claiming that they should not be made more often than every 3 days. While that may work for more financially secure, Chase makes credit unobtainable for working class people by preventing multiple payments as occurs when one pays the minimum by the due date and then seeks to pay more before the end of cycle but can not. Chase claims US federal anti-moneylaundering laws require this but does not cite the laws. This is a scam. The US does not prevent people from making payments, Chase poorly managed AML software prevents payments. Chase uses AML efforts as a pretext to incur fees and damage credit of those who manage their money wisely by making multiple credit card payments in a billing cycle. Chase conceals the payment prevention program and causes cardholders to take time away from working our regular jobs to working for Chase trying to figure out how to make a payment. Chase thus damages the credit and limits opportunities for cardholders in addition to making cardholders vulnerable to fees because of the payment prevention program justified by anti-money laundering.
On XXXX/XXXX/XXXX I received a copy of my credit file and found that there was incorrect information reporting on my Trans Union file. 

XXXX # XXXX {$85.00} I contacted this creditor by telephone on XXXX XXXX XXXX who confirmed to me that the above mentioned account and its balance reporting on my credit file as being verified by Trans Union Credit Bureau was unknown to them. Furthermore, I have been advised by the creditor to dispute the entry with the credit bureau and the creditor will respond as such. 

In XXXX I had previously informed the bureau that this account was unknown, the reply I received from Trans Union was that this account was verified which is contradicting the statement received from the creditor. 
The creditor does not agree with this credit reporting bureau I request assistance by the CFPB in the closure of this dispute by disclosing the FULL validation of this account.
I learned about the Equifax data breach on the morning of Friday, XXXX XXXX, 2017 and immediately accessed the Equifax website launched for this incident, www.equifaxsecurity2017.com, to find more information. Unfortunately, when trying to find information on my status, if I had been affected, Equifax stated that 'I may have been affected ' and instead tried to make me enroll in a 'complimentary ' XXXX security protection service to find out. After reviewing the terms and conditions, XXXX XXXX XXXX I concluded that by enrolling in the XXXX program, Equifax would not be liable if there were any indiscretions on their behalf that would affect me.
Upon learning this, I called the Equifax Response Line at ( XXXX ) XXXX at XXXX  EST. I was prompted to wait on hold for 20 minutes " for questions about the incident ''. I was finally connected with a representative who did not give their name and who did not ask for mine either. When asked how I can find out if I could they could disclose information about my status with their data breach, the representative then tried to enroll me in XXXX - without answering my question. When asked if there was another way I could find more information on this matter, the representative stated, " I do n't even have a manager you could speak with, I 'm just here to enroll people. '' It is incredibly irresponsible and abusive of Equifax to not only deny consumers the right to know the status of their personal information but to also try to exempt themselves as a company from being liable for a breach they are ultimately responsible for. Consumers should not have to sign away their right to respond to security negligence just to access their own information.
Finally, as I was writing this complaint, I tried to call the Equifax Response Line at ( XXXX ) XXXX in hopes of getting more information but was hung up on while on hold - not once, but twice.
On XX/XX/2017 I received a letter and a copy of an " Association of Council '' from the Law Offices of Patenaude & Felix A.P.C. informing me that they were representing XXXX against me. My account is current and I have never been late. I called XXXX and they informed me that they have not assigned this " law firm '' to represent them against me and asked me to fax over the letter I received because they had no knowledge of it. I have read several reviews of this company stealing money from people via getting judgements to collect on erroneous debts and illegally garnishing paychecks and bank accounts.
In XX/XX/XXXX, I opened a line of credit for {$4000.00} via XXXX thru XXXX XXXX and was told, if I did not pay it in 2 years, I would be charged finance charges and interest on any remaining balance due as of XX/XX/XXXX. Based on the company 's transaction records, my first payment was made in XX/XX/XXXX, 16 months after I started the account. 

My first statement of record was XX/XX/XXXX, which I have enclosed and it shows a payment due of {$260.00}. 

On the XX/XX/XXXX statement, which I have enclosed, you see a payment made on XX/XX/XXXX of {$260.00}. None of the payments that are on the pdf statements on XXXX XXXX website are in my digital transaction history, also on their website, which I have screen shot and enclosed. 

I am including the most recent statement for your review, which shows of the {$4000.00} financed, payments and credits are {$3800.00} and I still owe {$3900.00}, which is basically the balance I started with. 

I did not pay on time each month, but tried to double up to keep up with the account. I went on XXXX XXXX website to pull XX/XX/XXXX statements, and as you can see, they show nothing due on the XX/XX/XXXX. I believe my balance per their pdf statement files do not match their digital transaction records, which means there is a chance I am being charged more finance charges than I should be. 

Even though I realized there was no finance charge for 2 years, I do not understand why no payments are shown in the attached transaction history. 

I have included the XX/XX/XXXX statement to show how all of the fees were billed at that time which amounted to thousands of dollars. In addition to that, I am being charged {$95.00} per month in finance charges on top of the amount due. 

I contacted XXXX and the representative only wanted to know how much I would pay, even when I pointed out a problem on my account. 

I need help to make sure this billing process is correct and fair, and to get a true transaction statement on how much I paid in XX/XX/XXXX, since the bank shows no payments in XX/XX/XXXX on my transaction history. 

I also want to confirm that it is legal for me to have been charged 28 % finance charges, as I have been over charged as a woman of XXXX, in the past, by other banks, and was notified by the Federal Trade Commision ( i.e. XXXX XXXX auto loan ). 

I want to be sure that the high finance charges of {$95.00} per month are lawful. 

Thank you. 

XXXX XXXX
I have an account with Capital One 360 and have for a few years. Maybe. Their customer service stated on XX/XX/XXXX that my account was in the negative in XX/XX/XXXX and they closed it. Strangely enough, they still sent me a new Debit Card and accepted my transfer of money to get my account balance to XXXX. Last week I deposited all my funds from another bank and initiated this transaction through Capital One and they accepted the deposit. Suddenly they are stating the account was closed in XX/XX/XXXX. I am befuddled as to why they were still accepting deposits on a closed account and most importantly, they still have not returned the money, which they said they would. I am currently XXXX and the XXXX and change is all the money I have in the world. Why are they so quick to accept money, but not so quick to give it back. I 'm staying in a XXXX right now.
I 've never been told that the bonus is calculated according to the statement period instead of calendar month, and the Santander rep who opened my account told me that every month I pay XXXX bill online and receive more than XXXX direct deposit, then I 'll get XXXX dollars bonus each month. And their public advertisement also indicated that it 's per month instead of per statement cycle. So, I paid XXXX bills online and have my employer direct deposit my salary to my Santander account. In XXXX 2015, I only received XXXX bonus for direct deposit and called Santander for the missing XXXX bonus for the online payment, they then told me that it should be counted by statement period, as I paid XXXX payments in XXXX, XXXX payment on XXXX, XXXX payment on XXXX, they wo n't pay for the XXXX bonus in my XXXX statement. The information I got was very misleading and it 's not right for them to forfeit my XXXX XXXX bonus for bill payment.
I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from  XXXX .
Ditech Financial/Green Tree Servicing received our check for final payoff of our loan on or about XXXX/XXXX/15. Now Ditech refuses to reconvey our house, refuses to pay us the amount that they owe us from our escrow account, and continues to demand more money from us. They declared a default on a loan that has been paid in full.
I reported fraud to synchrony bank ( XXXX master card ) for the amount of XXXX back in XX/XX/XXXX, they denied the claim because one of the agent misunderstood me saying i have the card with me and the chipped was used, i immediately called back and told them about the situation, they re-opened the claim on XX/XX/XXXX and I have provided back to them a form stating that I do not have my card with me, only used it once way back before and lost the card in around XXXX. I don't really use this card so didnt relaized it was lost, but reported it right after. case was closed and denied again, I tried calling them back and talking to them because I was supposed to have XXXX liability for something I did not use but bank was stating that that only works if they think the transaction is legitimately fraud. I got turned down and they said there is nothing they can do for something i did not spend.
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Account Number To whom it may concern, Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 

Alltran/United XXXX XXXX has been calling my XXXX XXXX XXXX XXXX who has terminal XXXX at the number XXXX XXXX on a daily basis. Under the eyes of FTC this is harassment and defamation of character. I have no accounts with you and have received no documentation that I owe any monies to your company. You constantly harass and XXXX XXXX XXXX man that can barely speak due to the fact that he is in the end stage of his life with XXXX XXXX! 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New Jersey and New York Attorney Generals office. Civil and criminal claims will be pursued.
On XXXX/XXXX/15 I deposited a check for a very large sum of money, in XXXX funds, into my checking account. The bank clerk told me the funds would be available in a week 's time. Some days later I got a letter from the bank, dated XXXX/XXXX/15, saying a small amount of the funds were available for withdrawal right away, and the remainder would be available for withdrawal XXXX/XXXX/15. Subsequently, I got another letter from Citibank saying that since these were foreign funds, the check had been sent out for collection, and the funds would be credited to my account one or two days after receipt. On XXXX/XXXX/15 I went online. The funds had not been credited. I called Citibank and in the course of XXXX/XXXX/15 and XXXX/XXXX/15 I talked to XXXX bank employees whose names I have. They would look into it. On XXXX/XXXX/15 the XXXX XXXX told me the funds would be available in " six to eight weeks, '' presumably from the date of deposit. This was unacceptable, so I went to my local Citibank in XXXX, where I had deposited the check in the first place, and talked to the branch manager, XXXX XXXX, who indicated he would do the necessary. On XXXX/XXXX/15 he told me the collection department said the funds would be available at some unspecified time, maybe in three weeks. Meanwhile, the exchange rate has continued to fluctuate, not in my favor. When we started out I believe the rate was 77 % and now it is XXXX 75 % -- these numbers might not be exact. It is possible the bank converted the money when the rate was more favorable and wishes to use a less favorable rate when they actually give me the money.
XX/XX/2018 -- checking and savings account opened through online portal under promotion for {$350.00} bonus. Per the coupon terms, opted to use only {$200.00} checking bonus as I would not qualify for the {$150.00} savings bonus. 

XX/XX/2018 -- I received a bulk mailed offer from Chase regarding their new promotion for {$300.00} when you open a new checking account.Thus in part jogged my memory regarding the promotion I'd signed up under over 10 weeks ago without yet receiving the money I was due. With no indication that something had gone wrong, I called Chase customer service regarding lack of receipt of payment for the promotion. Spoke with supervisor. Supervisor refused to assist because she could not re-apply the coupon. She let me know repeatedly that she did not want to help me and that there was no way she could apply the coupon now despite showing it on my account and despite my having correctly followed the terms of the promotion. When asked if there was any way that the promotion could still be applied, she told me I should close my account for 90 to 180 days so when I come back I will be considered a new customer. When I asked how that could possibly be reasonable, she once again reminded me that " even if I wanted to help you, I couldn't. '' When I asked if a manager could call me back, she agreed and advised it would be 24 to 48 " business hours. '' XX/XX/2018 -- After 5 days/2.5 business days, I sent an email to the Chase Executive Office/Team and reached out to their customer support team via XXXX. I have not heard anything nor been in contact with anyone from the executive team, and though I have gotten a reply from the support team, they merely informed me that they forwarded my complaint to the marketing team and offered no resolution or timeframe for a reply. 
XX/XX/2018 -- As I am writing all of this, an executive resolution team member called me to let me know she will be my point of contact for my complaint. Though I appreciate her, it's concerning that to get anywhere with Chase 's customer service, you have to email the CEO and his office.
The bank foreclosed and now ALL contents from the home have been placed on the driveway since Tuesday XXXX/XXXX/16
I have sent numerous emails and placed many calls to HESSA-NJ class loans about negotiating a feasible payment plan. The loans were taken out for my attendance at XXXX University in XXXX, PA. They wanted XXXX payment per month, but i 'm not able to afford that amount. So i started paying them XXXX per month making an effort to pay what i can afford. Now they are wage garnishing me at XXXX percent each paycheck. With my current income they are collecting XXXX per month. If nj class would simply negotiate this price with me and create a reasonable payment plan, I would pay this amount with no problem. I would even pay XXXX dollars a month, but they wo n't agree to it. Now i am in delinquency and they are taking XXXX dollars per month, which i would pay without a wage garnishment claim. This can be settled in a honest and fair way, without destroying my credit.
On Monday XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I received a call from Alliance One at my job phone number they keep calling me and pranking my job number and my cell phone number I asked them to stop remove my number and if they needed to contact me to send me something in writing I have not received anything and they keep calling me