WillisBack/dataset-financial-user-claim huggingface dataset:
I desired to have a " work at home '' business. So, I formed a lot of accounts with companies on the internet, ( most of which were at the " free '' level of the services ). Then, because I do n't know how to budget my money like a professional, I got into debt and had to go to XXXX. Now, about a few years later, I am still receiving many emails with claims from companies who claim that I used their services without paying them, even though I never really used their services for anything. I sent a complaint to XXXX and they are trying right now to assign me with a knowledgeable attorney. The idea is to write a letter to the bank, ( which is JP Morgan Chase bank ), that I want to remove my authorization permanently from scams that have been perpetrated on my debit and credit cards.
on or about XX/XX/XXXX I noticed that my accts are closed and transferred to a rehabilitation office im no longer with that servicer which was aes and XXXX bank
Account - XXXX {$16000.00} XXXX  XXXX XXXX I filed an affidavit of Fraud along with a police report in XX/XX/2018 to Experian Credit Reporting Agency, the fraudulent information was removed and reinserted within 30 days. According to the credit law 611 the Fair Credit Reporting Act also requires the credit bureaus to inform consumers before the re-report a negative listing. Experian has violated my rights and I need resolution.
I was paying XXXX XXXX XXXX XXXX for a hospital stay for XXXX XXXX due to XXXX XXXX XXXX and XXXX. I was paying 35 to 50.00 approx. per month and was then told I was past due ; that I had to pay in full that I was not paying enough to keep account current. I explained I was on workers comp and out of work and XXXX was the most I could pay. Initially I was told to pay what I could then out of the blue a letter was sent to me that my acct was sent to an outside collection agency for non payment. I explained I was paying regularly and had been in contact with XXXX billing, Why was I now delinquent. I offered to set up a pymt plan and was told I could not because it was too low of a payment. If I was trying to pay is .that not better than not getting any money? I do not understand. Also they tried to reduce it to half and get me to pay a lump sum. If I had that lump sum why would I be trying to make payments. This was just noted on my credit acct recently and I would like to fix my credit. I do not feel this is just as I have tried to work out pymts even while unemployed. I am working now and I have been trying to repair my credit, since my work injury. Certainly there are some options. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX I was hospitalized the week of XXXX in XXXX with XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX also in XXXX, Fl.The last 4 of my SS # is XXXX.
Dear Sir/Madam, TD cards servises added fraud transaction to my account since XX/XX/2017 $ XXXX USD today its with late fee total debt $ XXXX-XXXX debt, this charge not belong to me how i can pay them, i called 10 different times told them this charge not mine something related online cam model site but they not agree and stay in my statement today there collection company report file non payment to credit score thus without no reason my credit scores damage now i have lot of problem to obtain loan and credit cards at very low interest rate. Thus i need your assitant this matter, invetigate right culprit give them punishment and give me justice.my account number with TD card services is XXXX. 

Thanking you in your anticipation. 


Sincerely XXXX XXXX XXXX
Target card # XXXX XXXX XXXX XXXX I was laid off work so fell behind on payments ... Do not receive monthly statements but u suppose they could send notices when you fall behind ... 
Even trying to log on online I was denied cause account is no longer with them.. Its collections now.. Collection agency has not send any notice by mail either..
These people were told not to contact me. They are calling all the time! I want it to STOP!
Back in XX/XX/XXXX-XX/XX/XXXX I was a victim of identity theft, I have charges from a student loan that were not mine, they told me that I owe them {$10000.00}, and I do not, I have long since disputed the charges on my credit report, they closed one account, the name of the company is ACS and XXXX, it's been difficult cause I have been calling them and letting them know it wasn't mine, I paid back one that I got from the University XXXX XXXX, it was only {$1700.00}, the rest resulted in erroneous charges that came out of nowhere,
Capital One closed XXXX of my credit card accounts which were all in good standing/ XXXX with XXXX balances. After condescendingly shuffling me from XXXX rep to next, they firmly stated there was nothing they could do and the card was closed for spending inconsistent to what 's expected. Seriously? I charged a XXXX item. They yanked XXXX in credit, which consequently destroyed my credit score by shattering my utilization! My score dropped nearly XXXX points. I was in the middle of applying for a refi on my house. Done. No one will even consider extending credit to me now thanks to this injustice! I asked them nicely if they could lower my interest rate since they destroyed any chances I will have at obtaining a consolidation loan. They denied this to me. I never once made a late payment to Capital One. They have destroyed my financial future by this unjustified action of which they treat me like a criminal over the phone. I am absolutely distraught over this. I recently changed careers due to health issues and this is further complicating my life!
The interest this company charges is 10 times more than a normal loan is this legit? I cant afford to pay it. I borrowed XXXX and owe XXXX I have made payments and I still owe XXXX. I need the interest to stop so I can pay what I borrowed
In early XXXX sometime around XXXX XXXX, XXXX a representative from Quicken Loans contacted me about refinancing our existing FHA loan. I advised the loan officer I was working with another lender and told them unless they were able to beat that lenders rates we were n't interested. I had previously been turned down by Quicken Loans for not meeting their criteria ; however, was told they had new programs available which I was assured I qualified for. The lender checked my qualifications and advised me I had been pre-approved through underwriting for the refinancing option at a much better rate than the lender I was working with. I questioned the loan officer at Quicken Loans about the approval because I had been told by the other lender that the only way to qualify for the refinance with FHA would be with the other title holder. The loan officer assured me Quicken has additional options because they are the # 1 FHA lender in the country so they have programs others do n't have. Based on their assurance and approval from underwriting I agreed to forgo using the other lender and pursue the loan with Quicken, who collected {$400.00} as a good faith deposit to use them for the loan and lock my rate until XXXX/XXXX/XXXX. Over the next couple weeks I provided all requested documentation and awaited my closing date. I was contacted by a " Solution Consultant '' on XXXX/XXXX/XXXX who advised me there was issues with my loan and they were working on alternative solutions. Today, XXXX/XXXX/XXXX, I learned there are not any reasonable alternative solutions and they charged my credit card {$400.00} for good faith when they had no intention on ever doing the loan in the first place because they denied the loan with the same information they used to tell me it was approved. They continue to brag about their XXXX XXXX ratings and everyone over there is some sort of executive but nobody makes decisions or manages the process to ensure they are keeping the promises they make and acting in good faith. Ultimately, I am out my original loan with the other lender because Quicken had me cancel that to work with them, the finance charges associated with the {$400.00} deposit, additional charges I made on a credit card based on being assured the loan was approved and would close within 30 days of the original conversation once I had been assured that I was approved and the ability to pursue a refinance loan with any other lender without causing additional inquiries on my credit causing my score to lower due to being beyond the 45 day window of mortgage inquiries allowed as a one time hit. Quicken has ultimately put me in a bad situation where I have made decisions based on their bad business practices and if I pursue another mortgage my credit will be re-evaluated at the cost of my score lowering based on additional inquiries and taken on additional debt with the presumption that I had intended to have already paid off.
UNABLE TO CANCEL TRIAL MEMBERSHIP FOR CREDIT MONITORING AND FREE CREDIT REPORT : on XX/XX/2018 at approximately XXXX PDT, based on receiving 9 email alerts and one text from XXXX that a security and monitoring issue had occurred with my personal financial information. As such, I ordered a credit report through Experian online via a 7-day trial for {$1.00}. When I proceeded to cancel the membership, as directed on their website, I was instructed that had to be done by phone. When that call was placed, via their voice automated system at approximately XXXX XXXX, the system announced the wait would exceed OVER TWO HOURS! It has now been 55 minutes, and this is a completely unacceptable situation in an attempt to cancel further " membership '' charges. I have also put this cancellation request in writing which will be placed in the mail today.
On XXXX XXXX, 2015 I called to Chase bank telling them that somebody withdraw a money from my Chase bank account. 
On XXXX XXXX, 2015 I received a letter from Chase bank telling me that It is my fault that somebody withdraw money from my bank and they can not give me credit for the {$300.00} somebody withdraw from my checking account, the easy way, I am really do not know why they say that, chase bank had enough time to investigate the guy who did the fraud, and they did not, It was very simple, Chase bank supposed to withdraw money from other bank where the other guy deposited the money and deposit that amount in my checking account, but they did not, or what did they suppose to do with the guy withdraw the money without authorization from my checking account? 
It does not make sense, they did not investigate the guy did the fraud.
My mortgage from XXXX XXXX was sold to XXXX XXXX XXXX, XXXX XXXX had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with XXXX XXXX several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. XXXX  deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, XXXX   now shows account as closed and no real estate balance. XXXX XXXX has not been reporting my current timely payment either. XXXX XXXX error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before XXXX XXXX ) and years as well as my current timely obligations. XXXX XXXX XXXX is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..
Company is calling my work multiple times a day after being asked not to. Have shown up at my work, causing disciplinary action at my job.
So, XXXX XXXX is now Navient. My initial thought when hearing this was " oh good, maybe the service will be better! '' Sadly, I was extremely mistaken. While the name is different, the same TERRIBLE customer service still exists. No, I 'm not behind in my payments and actually pay 2 weeks before the due date. I should not have to call every couple of months because the corporation ca n't do its job with payment allocation, tells me I 'm over a month behind on payments, and gives me late fees! Their customer service representatives continually repeat the same information which was incorrect and not useful to begin with! No, I will NOT send Navient copies of my bank statement to prove I made a payment. Additionally, when I send a check to pay off a specific loan, use it to actually pay off the loan specified rather than dividing the money between all of my loans. When I finally spoke with a supervisor, he was able to look up payments and their allocation, which Navient incorrectly allocated. This company is not doing their job properly, trying to gouge their customers with late fees ( in addition to extremely high interest rates ), and wasting our precious time by having to sit on the phone for hours every couple of months to get issues due to their incompetence resolved. Those of us bettering our lives with great careers, making payments early or on time, and paying off individual loans, should not be penalized by this company 's inability to perform their daily duties. Additionally, Navient continually has my legal name incorrect even after multiple documents have been faxed and conversations with customer service representatives. After submitting a complaint with the XXXX, I received a voicemail from the Office of the Customer Advocate asking for a return call. However, I have been leaving voicemails for the past month with no response. I also received a letter stating the issue was resolved, yet this next month 's statement is still incorrect. This is professionally unacceptable, both with the lack of follow up and the continued inability to allocate funds correctly.
Have been receiving numerous calls from this number as a " final attempt to collect a debt '' before going to court. I finally spoke to one of the callers and they told me what the debt was from - a company I 've never heard of or done business with - and as soon as I mentioned wanting to have my attorney follow up with them they back stepped and said they could take care of it internally and close the file. I insisted that I was happy to have someone look in to it and they insisted I would n't need to worry about it. They called me today again after about a week and the voicemail message is the same as it was before, final attempt to collect a debt. I called back and got their alleged legal department 's voicemail.
I had a billing dispute with a survey company that ended in Small Claims Court. The judgement was settled and satisfied on XXXX/XXXX/2009 by The Hon. XXXX XXXX XXXX ( case # XXXX ), XXXX XXXX, KY, XXXX XXXX.
Upon reviewing my charges on my Citi Diamond Preferred Card, I noticed that my interest charge was higher than the previous months ' charges, despite any new significant purchases and the balance was being payed down. I sent a message via the online account managing center to explain the discrepancy. I promptly received a standard response on how interest on a credit card works with no attempt to even address my issue. I angrily responded, attempting to clarify my issue. I received another response, this time with only the last XXXX digits of my credit card number and nothing else. 
I then called CitiCards and was promptly hung up when a representative answered the call ( they know who I was during the automated phone prompts ). I called a second time and spoke to a representative who very confusingly mentioned that I was under a promotion that ended and that my interest rate changed. I did not sign up for any promotion and asked the representative whether or not it was legal for them to just change my interest rate without my permission or notice. The representative then denied that my interest rate went up and again attempted to explain a very simple question, and could not do so. I asked when the promotion went into effect and the representative put me on hold for at least 20 minutes. During this time, she would check with me to see if I was still on the line and I answered in the affirmative. Finally, she came back on the phone to check if I was still on the line and then pretended that she could n't hear my responses and then disconnected the call.
Previous complaint number XXXX. Company responded to the complaint with the following : There is no question that the consumer provided insurance information on the dates of service in question XX/XX/XXXX andXX/XX/XXXX, however, the consumer 's carrier denied payment for the claims. We have flagged the accounts as in dispute, and have provided the consumer with the required validation. We have verified with our client that the information being reported is accurate. My response to new complaint : If my insurance carrier denied payment for the claims you mentioned, this means that they notify you and they notify me. They never notified me, if they had notified me I would have investigated the reason back in XXXX. Therefore, I am sure that they notified you, so you have documents to back it up. Please provide those documents so I can contact the insurance carrier to investigate why they denied the claim and did not notify me.
Citibank, which is the Bank controlling the Sears Credit Cards, closed my 2 Master Cards accounts with Sears, including the original which is from the year XXXX, no matter the 2 recent payments of {$150.00} each, and all I explained to the over the phone, included in this complaint, and even using their online message service, and all the problems we faced here in Puerto Rico due to Hurricane Maria, Citibank simply disregarded everything and decided to unfairly close my 2 accounts with Sears, please see the 2 letters from Citibank included, one in English, the other one, is a translation to XXXX, one is referring to one of my accounts, the one ending in XXXX, which is the oldest from XXXX, when Citibank was not administrating Sears accounts, and the XXXX XXXX, which was opened under the Citibank administration. The complaint number XXXX, refers to the complaint already sent to XXXX XXXX about this problem, and many of the documents of that complaint are included in this one, in addition to the letters received online from Citibank dated XX/XX/XXXX, when they informed that my 2 accounts are closed, no matter I disagreed, and also paid, and also, they are requiring a huge single payment of more than {$400.00} for my oldest account, even after paying {$300.00}, with 2 {$150.00} payments in just days, in spite of all the evidence included, and all this affects my credit report unfairly, and is even discriminatory, probably due to me age of XXXX   years. Is unfair and discriminatory.
On XX/XX/XXXXI went to the Credit Union located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. Ive been dealing with the same person for over a year during this process of trying to Refinance my car loans. Today I went in for a follow up with XXXX XXXX which is who Ive been dealing with I was told to wait by the office representatives and someone would be with me shortly. I waited for about 7 min and then XXXX came from the back and said that he would get me signed in and be with me momentarily. After about 3 min another lady by the name of XXXX XXXX came up to me and said that she would be assisting me today. She asked me what exactly it was that I was trying to do today and I let her know that I had been dealing with XXXX XXXX and he knew exactly what was going on with my file and I was here for follow up. Instead of here having me work with XXXX XXXX she proceeded to ask me questions about what I was here to do. So I explained everything to her with absolute detail. Before she ran my credit I explained to her that I am a 100 % commission based employee and had only been on my Job for 1 year. She knew exactly what was on my credit before she pulled it because I told her before she put anything in the system. She ran my credit and denied my request because I was late on my car payment twice in XXXX. I asked for her Manager and she sent in XXXX which is the VP of the branch and she was extremely disrespectful. I would like to speak to someone Immediately concerning this situation. I am very disappointed with how I was treated this evening.
It 's called Paragon Revenue Group And it says it was opened XX/XX/2014 and the amount is {$3400.00} Theres NO WAY I could have gotten that amout from anyone.
XXXXComenity bank did a Hard Pull on my credit which on XXXX different dates XXXX/XXXX/17 and XXXX/XXXX/17. I absolutely did not authorized a Hard pull much less twice on XXXX different dates. Spoke rep and they said ca n't remove I need to dispute it and she agreed that they only do SOFT pulls. Please help remove I 'm trying to purchase a home. Would not agreed to hard pulls. Thank you
I purchased a gift card on XXXX/XXXX/2015 in the amount of {$250.00}. I attempted to use the card in the evening on XXXX/XXXX/2015 and it was declined. I called the customer service number on XXXX/XXXX/2015 and a representative told me that the cashier must have activated the wrong gift card but that she could see the money. I was instructed to fax over some information ( front/back of card, activation receipt, name, phone number, email address, contact time preference ). I did this on XXXX/XXXX/2015. I called back on XXXX/XXXX/2015 to inquire on the status of the fax and was told that it would take 7-10 business days after the fax was received. I asked to escalate the issue and that group informed me that it was n't an activation issue. He said someone had tried to use the card twice in XXXX so when I purchased it in XXXX they decided to not activate it. So the company is holding onto my {$250.00} and giving me the runaround on how to get it back. I 've called them XXXX times ( with a hold time of no less than XXXX minutes ) and every time I receive a different set of instructions. I just called again and they said they were waiting on my fax. I stated that I had already faxed it in so they placed me on a brief hold. They then informed me that they had received my fax and were waiting on additional action from me. I would now need to fax in my address and that the voicemail left on XXXX/XXXX/2015 stated that. I replayed the voicemail to make sure I did n't miss anything. I have been unsuccessful at every attempt made. I feel this is fraudulent and misleading. If the company knows that an attempt has been made to use a gift card prior to it ever being sold, they should not be allowed to take the consumer 's money and have them scrambling trying to recover it. This company knowingly sold me a useless gift card with the knowledge that I would not be able to do anything with it.
X/XX/2017 went to Chase Bank to request amount of HELOC full payoff. Bank employee called as I waited and gave me amount of payoff, {$90000.00}. Paid that amount in full at that time. Was subsequently charged an additional {$470.00} as " interest and fees ''. They can not adequately explain this. I wonder if they do this to everyone paying off a HELOC hoping customers are confused. How can I be charged " interest and fees '' if I pay the loan off in full?