WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a loan out of desperation - I was advised on the site that this was not a cheap way to borrow money but I was led to believe that I could make payments and pay it off over a short period of time - this was not the case. I called them and let them know I was having difficulty but they were still withdrawing money. I then tried contacting a negotiator - in XXXX my balance was XXXX - they kept adding exorbitant interest and in XXXX said I owed XXXX - but they would accept XXXX - the best they would accept I have continued to make payments but found out that in Pennsylvania it is illegal for this kind of interest. and that my state is going after these companies that try to avoid regulation by saying they only listen to tribal law.
Citibank 's Aadvantage XXXX announced late in 2015 that it was " waiving '' its foreign transaction fee. Thus I stayed with the Citi Aadvantage XXXX because they " waived '' their 3 % foreign exchange fee. 

Yet now I have noticed that the exchange rate Citi uses for my card/account is about 94-95 % of the market exchange rate on the transaction date. I have compared such rates with those of my ( also no-foreign-transaction fee ) XXXX XXXX and XXXX XXXX cards and noted that their exchange rates are usually around 98-99 % of the market rate for the transaction date. 

So in this way, Citi is still charging me a foreign transaction fee of sorts, they are just hiding it. I have referred this issue to Citi to no avail, and want the XXXX to please ACT on fining or better yet, convince Citi to change its conduct providing a more competitive exchange rate in lieu of " hiding '' their " waived '' foreign transaction fee in a poor exchange rate to their customers. 

I ask you please help correct this issue or ikpose a penalty until the issuer does so Thank you. 

XXXX
On XX/XX/XXXX, I submitted a payment voucher from my XXXX XXXX XXXX award in the amount of {$460.00}. As per the process concerning these types of payments, XXXX then submitted a request for verification of my account, which was received by XXXX  on either XX/XX/XXXX, orXX/XX/XXXX. XXXX   then verified to XXXX my account with them. OnXX/XX/XXXX, payment in the above amount was submitted via first class mail to XXXX This payment was received onXX/XX/XXXX.

In the subsequent weeks, this payment has not been applied or credited to my account. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I called XXXX to inquire as to what I should do, since my account was showing a past due balance. I was informed each time not to worry, and that no subsequent payment would have to be made since the payment, when processed would be back dated toXX/XX/XXXX I was assured by each representative that I spoke with, including one supervisor, that this payment would count toward as a qualifying payment under the terms of my student loan forgiveness program. Under the direction of XXXX  and its representatives, I have not made another payment for XX/XX/XXXX, even though my account now states that I am fourteen ( 14 ) days past due, and at risk of not having made a qualifying payment for XX/XX/XXXX.

I am beyond frustrated. I am concerned, angered, and demand that the payment I made, be credited to my account. I do not understand how XXXX  can take this long to process a payment. In waiting, I have been caused a great amount of emotional and mental fatigue. This payment is constantly on my mind, and has caused me to lose weight, sleep, and is beginning to severely effect my physical health. I demand that this payment be credited to my account, and that XXXX   apologize for this indefensible delay,.
This regards our Chase Freedom Visa credit card # XXXX XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX use this card. Expiration was XX/XX/XXXX. ( Do n't worry, we have since gotten a NEW C.C. because of this fraud. ) ( Another Chase Freedom Visa C.C. ) No one asked for NOR ordered ANY of these items! The ( 4 ) fraudulent, XX/XX/XXXX charges just appeared on our statement! Here are Dates of Transaction, Merchant, & Amount : 1 ) XX/XX/XXXX XXXX XXXX XXXX for {$92.00} ( Visa says XXXX? ) 2 ) XX/XX/XXXX " " {$5.00} ( Visa says XXXX XXXX XXXX? ) 3 ) XX/XX/XXXX XXXX XXXX XXXX CA for {$92.00} (? ) 4 ) XX/XX/XXXX " " {$5.00} (? ) We spoke with " XXXX '' at Chase Visa : XXXX ( ext. XXXX XXXX XXXX ) ( M-F XXXX XXXX - XXXX XXXX CST ) Nice gal, but she needs CFPB Help! Please HELP us remove these bogus charges! CFPB : You are a strong right hand of hard-working Americans. May XXXX Bless You! With love! XXXX XXXX on Wednesday, XX/XX/XXXX at XXXX XXXX.
Im disputing XXXX XXXX XXXX XXXX Account # XXXX. The reason for dispute is because I had and agreement with XXXX XXXX on the date of XX/XX/2018. XXXX XXXX agreed that I would receive the proper repossession paperwork on the date of XX/XX/2018. Exactly 14 days from my request or all previous agreements and arrangements between XXXX XXXX and I will become null in-void. I never received this paperwork. XXXX XXXX even asked for and extension of 30 days. It is now the date of XX/XX/2018 I still have not received this paperwork. Failure to validate debt in 30 days is Furnisher FCRA rule 660.4 ( e ). Also Furnisher rule 660.4 ( e ) states inaccurate dates of account activity and payment is a violation this account also has different dates of account activity between CRAs. If you as the CRA does not remove this account immediately that means you will be in violation as well of FCRA ACT section 1681s-2 ( a ) which is willing and knowingly reporting inaccurate information. I have and ILLinois States Attorney General claim for this matter as well case # XXXX. I suggest your CRA removes this information right away before I also file claim and suit against your bureau as well. Item has already been removed by XXXX. I have all supporting proof and documentation to have this account removed immediately. 
Attached documentation are as follow no particular order. First communication with XXXX XXXX Thru CFPB on XX/XX/2018. Next document is first letter agreement of 14 day response from XXXX XXXX. Following documentation is extension for additional time letter sent by XXXX XXXX. Documentation of follow up letter sent by me after XXXX XXXX violated the agreed upon dates. I have certified mail receipt attached for proof they received letter. Also attached is credit report proving inaccurate payments and inaccurate dates of activity. Also proof of deletion by XXXX of this account.
I recently opened a Capital one 360 Checking and savings account XXXX XXXX 2017 using a promotional code I received via email from Capital One. The promotion stated that it was nationwide and that new customers had to enter the bonus code during account opening and too meet the two direct deposit requirements outlined in the offer. I have completed more than two qualifying direct deposits and I still have not received the {$400.00} bonus. I spoke with a representative and he told me the bonus I referenced is for targeted customers only and that he could offer {$100.00}. Now from my understanding the email stated nationwide not targeted customers only. Also if that is true the bonus code should have been rejected during account opening. It is completely unfair for me to not receive the correct bonus amount of {$400.00}. I know other customers who have signed up using this promotional code and did not live in XXXX and still received the {$400.00} bonus. I would like for Capital One to resolve this issue by honoring the {$400.00} bonus and posting it to my 360 Checking.
XX/XX/XXXX we entered into a contract with XXXX Citibank for the purchase of a seadoo with a 36 month no interest loan. 
we have had nothing but problems with this company on a monthly basis. I pay on my account through billpay from my bank XXXX a month. 
Starting in XX/XX/XXXX my monthly statement has been in correct with varing different amounts due. 
XX/XX/XXXX I spoke with XXXX and was told pay the incorrect amount for 2 cycles and it will correct itself well guess what nothing has change except my having to call monthly to get interest and late fees removed. 
XX/XX/XXXX talked to XXXX was told all fees would be removed and corrected. 
XX/XX/XXXXtalked to XXXX Team XXXX was going to submit to team that can correct the issue of wrong minimum due on statement. So I logged into my account on XX/XX/XXXX and the amount of XXXX was corrected, so I paid my payment. 
I received my XXXX Statement with the incorrect amount again of XXXX I called and talked to XXXX Team! she said she would submit to their backend dept to have the statement corrected and they are required to call me back within 72 hours, well they said that last month and I still haven't had a call back. 
What can be done about this UNFAIR treatment when I'm following my contract.
XXXX XXXX from Recovery Solutions Groups LLC. is trying to collect for a debt, which # 1. This company ( RSG ) is not Licensed in Idaho. 
# 2. He has not sent me a copy of this so called bill, even after I informed him of not receiving the bill, which I found out from ( XXXX owner of XXXX XXXXXXXX ) the company had sent bill to wrong address, after having my address for over 25 years. 
# 3. He called at XXXX, a clear violation of collections acts. I have recorded calls. He also called over 25 times in a day and kept calling after I notified him not to call. 
# 4. After filing a dispute with his company, he refused to send me copy of the current bill. 
# 5. after I made payment of {$700.00}. to debtor he still called and sent threatening letter. 
# 6. He ( XXXX ) had a third party call and threaten he was going to trespass on my property in order to take pictures of my private property. 
# 7. The XXXX. also threatened a lien which by law he ca n't do because ; ( A ) past 90 days. 
( B ) work was not performed on my property.
Debt collector failed to 1 ) properly serve me with a summons and receive a default judgment against me. 
2 ) answer a request for a hearing 3 ) validate alleged debt 4 ) has garnished my wages with less than12months at my job.
I kept receiving notices that we could lower our monthly payments or refinance our mortgage. So instead of going with my normal broker, I gave caliber home loans a try since our current mortgage was with them. I dealt with XXXX XXXX, what started off as a great conversation and superior customer service turned into one of the most disturbing and unfortunate situations.
After a three hour phone call, he told me we were approved. Next step was getting a home appraisal, he told me to use a credit card that I planned on paying off with our refi/debt consolidation. {$850.00} for a home appraisal- Once he took that transaction over the phone, it was like he disappeared off the face of the earth. I would call, email, text With questions about where we were in the process. He blocked his phone number so we could not get in touch with him. I know he did this because I would try from a different phone numbers and it would go through successfully. My husband finally got through to him on the phone, and XXXX would just continue to make excuses and ask questions as to delay the process. 2 1/2 weeks later we were still In limbo/ waiting ... after being told we were already approved and signing paperwork. Now out {$850.00} on top of her other debt we were hoping to pay off with our refi, I finally called the customer service number. They told me that he did in fact exist, and that someone should have been in touch with me. Then we find out that we were not approved, we were completely left in the dark and {$850.00} more in depth. Never a phone call and email a response. I have email after email of trying to touch base with him he finally responded at the end apologizing that he did the best he could!!!
After this experience, I went back to my broker in tears. I totally got reprimanded for not using him in the beginning Luckily XXXX  at XXXX XXXX in XXXX Oregon Took over, used the current home appraisal and got us approved for a refi. his company hounded XXXX for some information and again no response- they needed to go directly to customer service and request the information that they needed. And in the end they were the ones who encouraged us to file a complaint against caliber home loans and XXXX XXXX as this is completely and totally unacceptable.
I have emails that I could probably pull up off the cloud if necessary, I do have the current emails from XXXX XXXX attempting to reach out to XXXX for information multiple times.
Caliber home loans is a total joke, I would never recommend them, use them or return to them.
On XX/XX/2016 around XXXX I went to bank of America ATM at XXXX and XXXX XXXX and I try to withdraw some money so I can take my kids out to eat, when I check my balance it did not seem right so I called the automated machine and I discovered that there is a transaction for the amt of XXXX at XXXX. I was surprise so I talked to Bank of America customer service and I was told that transaction happened on XX/XX/2016 and charges posted on XX/XX/2016. I asked the customer service agent to see if I can file a fraudulent claim on the account because I did not authorize that transaction and I requested to close my account and send a new card. I took all the money out of the account and an agent advised that their claims department was closed due to observation of Labor day holiday and to call on the next available business day. On Tuesday XX/XX/2016 I called bank of America and I did file a claim I was told that may take 10-30 days of process. I did not receive the paper work until XX/XX/XXXX that same day I faxed the necessary paper work that was requested by the bank. On XX/XX/2016 I received a letter stating " We 've completed our review of the reference claim and have determined that no error has occurred in this instance " so therefore the temporary credit was previously applied to your account will be removed by XX/XX/2016. 

I called Bank of America today spoke to Fraud agent XXXX who told me that the only way they can review my case is if I can submit a police report and I told her no one have made mention that I need to file a police report regarding this, I ask why is it necessary when I know I can not be in two places at one point during all the day of transactions mention above I was at work all day and right after work I do have to pick up my kids from after school program and there is no time in between for me to drive all the way to XXXX XXXX at XXXX store and shop ( XXXX store # XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX ) I spoke to supervisor her name is Page and she adv. they determine that there is no fraudulent because I am only disputing XXXX transaction that day. And also the card is never used after that XXXX particular transaction, my reply to the supervisor was " I am a honest person I 'm only disputing the transaction I know I did not process and authorized '' XXXX then she mention well the thief then did not re use your card after that transactions. And I said well I have closed the account and took the all the money out after I found out there is someone else using my card without my knowledge and I also mention I do n't know on How / why / who could it be. So the supervisor after further investigation said due to the fact the transaction still took place in XXXX they can not see that there is a fraudulent. I am entitled to be protected under Reg E the bank was notified in a timely manner of my loss / theft and i know as a consumer I should not be penalized for someone else actions. I would like this case presented to the bank in a timely manner and my money returned to me as owed.
XXXX XXXX XXXX XXXX XXXX reported an account was closed, but it was closed due to paying the automobile off and purchasing a new vehicle with a new financing company. This should not effect me negatively and according to XXXX XXXX, experian, and XXXX reporting agencies my credit score has dropped. Please rectify this due to the information I have provided. Thank you. XXXX XXXX
I was joint owner on certain loans with my ex wife going thru a divorce. I have court ordered documents, bank records, etc that clearly state I am to be cleared from the delinquent notices that appear on my portion of history because I had my money taken from me by my ex wife transferred to an account in which I could not be granted access to acquiring my portion to be able to pay the loans. And it was ordered by a judge in court my responsible portions. And the mortgage lender is not accepting anything I am sending them to clear me of the harm its caused.
There is an account purchased by a company called Rash Curtis & Associates from XXXX. I disputed this item with both the original creditor and the collection agency. This account was opened in my name fraudulently. When the company verified this account, there was no association to my social security number, driver 's license, or address. It just has a name that is close to mine. This company is refusing to follow the laws by removing this unverifiable, fraudulent account. I have contacted the original creditor, XXXX, and XXXX, said that there is no account opened using my personal identifying information. This account was opened in a different state and an address that I never lived in. The only thing that links this account to me, is a similar name. The person who opened this account has the same first and middle name as me, but a different last name. I sent this company and the original creditor proof of my residence at the time that this account was opened, a fraud affidavit and a dispute letter stating that this account was opened by identity theft. They are refusing to close this account and to stop reporting this account on my credit report. According to the original creditor, this account was opened and defaulted in XX/XX/XXXX. They are reporting this account as opened in XX/XX/XXXX to attempt to re-age this account. I have disputed this account with this company several times, explaining that this is not mine and since insist that my personal info was used to get this account, I filed a police report. I am preparing myself to bring civil charges against this company. I meet with an attorney tomorrow because they have violated the law and have caused me to be denied credit for a refinance which has caused me a financial hardship. I plan to bring suit to this company. I recently presented this information to the bureaus and am awaiting a response.
The XXXX XXXX is Diversified Consultants. This is for a XXXX XXXX bill which I do owe and I will pay. The balance is {$1600.00}. 
I get daily calls from the # 's below which I have blocked but new # 's keep calling me. They do n't leave a voice mail they just keep calling me at the # 's below. 

XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX There are more calls from XXXX, CO, XXXX, CO that have been blocked and some from XXXX CO
This company Source Receivables Management is trying to collect {$250.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Source Receivables Management with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Source Receivables Management. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Source Receivables Management. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
There are many XXXX XXXX XXXX, However I have not lived anywhere out of XXXX XXXX County. As a child I lived with my father in XXXX XXXX XXXX until XXXX years of age when I start living at the XXXX address until present. Couple years ago I went to Vote and they told me I voted already which I did not so I had to vote by paper. Someone must have stolen my identity and because of this I am having a XXXX on my background when it should have been adjudication withheld and not a XXXX. 
I will be filing and identity theft report because someone is using my information without my consent.
I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files sinceXX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXX they were deleted from my files stating they could not verify the status of my loan from Mr.Cooper/Nationstar Mortgage. I contacted Mr.Cooper/Nationstar Mortgage on XX/XX/XXXXand the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.
I contacted Equifax in XX/XX/XXXX/XXXX of 2017 and informed them that I was a victim of identity theft and there are some fraudulent accounts that are appearing on my credit report as a result of this. I contacted all the departments at these companies that are appearing on my credit report and they are unwilling to assist me in this process and tell me it does n't matter if it is identity theft, I am still responsible because they have identifying information. I have exhausted myself trying to get this information correct and they are just not heling. I recently filed a complaint with the FTC and have filed an identity theft report with the FTC. I have faxed over this information/copy of the report to Equifax and asked them to remove/delete the negative, false, derogatory information that is appearing on my credit report. According to the FCRA section 605 a & 605 b it is the responsibility the block/delete the inaccurate information I am claiming. here is a list of the accounts that I am disputing : I am writing this letter to request Equifax block the following creditors from reporting FALSE, DERGORATORY, INACCURATE information to the credit bureaus. According to the Rights Under the FCRA of Victims of Identity theft please BLOCK the following : 1 ) XXXX XXXX partial account number XXXX amount {$1200.00} 2 ) XXXX XXXX partial account number XXXX amount {$1300.00} 3 ) XXXX XXXX XXXX partial account number XXXX amount {$2000.00} 4 ) XXXX XXXX partial account number XXXX amount {$650.00} XXXX ) XXXX XXXX partial account number XXXX amount {$150.00} 6 ) XXXX XXXX XXXX partial account number XXXX amount {$850.00} STATEMENT OF CLAIM : I, XXXX XXXX XXXX, am a victim of identity theft and as a result a number of accounts have been opened in my name. I would like the creditors listed in this document blocked from reporting inaccurate, false, derogatory information to the credit bureaus immediately. According to the FCRA section 605 ( a ) ( b ) these accounts must be blocked/removed