WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I engaged in a vehicle lease through Chrysler Capital XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX of XXXX in the State XXXX. In XXXX of XXXX, I moved to IL and properly registered my vehicle through XXXX. As part of the registration process you must file XXXX tax form. This form/filing is the means to assess any sales/use tax due to the State XXXX when moving from out of state. I filed the form, and paid tax due to XXXX in the amount of {$790.00} ( documentation/payment rationale attached ). 

A few months later, I received a debt collection call from Chrysler Capital stating that I owed them {$1600.00} plus fees totaling {$2200.00}. After many calls ( and over many months ) with them, and the state XXXX, it was determined that I properly paid my taxes and that the State improperly billed Chrysler Capital. Chrysler Capital does not assign a single representative to the handle the matter, so every time we speak we start from scratch. Since Chrysler Capital is the owner of the vehicle, they simply assumed tax was due and they made the payment. They are unwilling to work with the state XXXX to obtain the proper credit/reconciliation for the over payment they made to the state, and rather simply assert that it 's not their problem - they paid the state so i need to pay them. I have confirmed with the state that since i do n't own the vehicle, there is nothing further i can do to resolve the issue considering i provided proper documentation of adequate and proper payment. The state needs to credit Chrysler Capital, but Chrysler Capital will take no action to obtain the credit, and there is nothing I can do to obtain it for them since I did not make their payment, I was never billed, and I do n't own the vehicle. 

Chrysler Capital has been unreasonable, and unwilling to take proper steps to resolve the matter, which results in an outstanding balance due on my account to them for the {$2200.00}. I have done everything i can to try to resolve, but at this point i do n't know where else i can turn for help and am hoping the CFPB will step in to help me do what is right with this issue. 

If further information is needed from me, I am happy to provide any details to bring this to final resolution. 

Thank you, XXXX
Since XXXX I have been getting wrongfully denied mortgage assistance thru FHA HAMP modification program and Partial Claim. My husband XXXX is Veteran who is XXXX and receiving no income. We receive help from our daughter who is a non-borrower contributor and tenant along with my brother who is a tenant as well and pay rent. Our income as a household is sufficient for an FHA HAMP modification, in fact, according to Mortgagee Letter XXXX specifically elimination of the Back end DTI ratio and expansion to Partial claim/combo and with Supplemental directive XXXX enables BB & T to approve my loan into TPP payments prior to XXXX, XXXX. I have been getting wrongfully denied since XXXX and again now recently. My lender denial reason this time was not enough income where FHA eliminated the DTI of 55 % since XXXX XXXX, see attached Mortgagee letter XXXX effective now. ALL FHA servicers participating in HAMP, must adhere to FHA mortgagee letter 's. This letter also allows for a Partial claim, I am REQUESTING THE MAXIMUM PARTIAL CLAIM AND FHA HAMP PROGRAM. PRESENTLY, MY APPEAL OF BB & T WRONGFUL HAMP DENIAL IS UNDER REVIEW AND I AM ATTACHING THE SUPPORTING DOCUMENTS FOR MY CLAIM. MY LENDER HAS COMMITTED DUAL-TRACKING AND I HAVE A MEDIATION HEARING TOMORROW XXXX/XXXX/XXXX IN WHICH MY HUSBAND AND I WILL ATTEND. WE HAVE DONE NOTHING WRONG, AS SOON AS WE WENT INTO A HARDSHIP WE NOTIFIED OUR LENDER, OUR LENDER GAVE US A TEN MONTH FORBEARANCE AND THEN REFUSED TO DO ANYTHING PERMANENT. NOW I PRESENTLY HAVE A APPEAL UNDER REVIEW FOR DECLINING ME INTO FHA HAMP. HERE IS THE PROOF ATTACHED THAT PROVES I 'M ELIGIBLE AND SHOULD HAVE BEEN ACCEPTED INTO FHA HAMP WITH PARTIAL CLAIM/COMBO. HERE IS THE PROOF FROM FHA. MY LENDER AGAIN HAS BEEN DENYING AND DELAYING CONSIDERATION FOR MORTGAGE ASSISTANCE AND MISPLACING DOCUMENTS, MAKING ME RESUBMIT NEW ONES OVER AND OVER AGAIN, DUAL-TRACKING ( FILING A FORECLOSURE COMPLAINT WHILE HAVING A MODIFICATION APPLICATION PENDING ). BB & T DENIED ME WRONGFULLY BY STATING INSUFFICIENT CASH FLOW TO SUPPORT WORKOUT -- - MY APPLICATION INCLUDING MY DAUGTHER A NON BORROWER CONTRIBUTOR, AND MY TENANT INCOME, MY SURPLUS WAS POSITIVE {$360.00} AND ALSO ACCORDING TO MORTGAGEE LETTER XXXX ATTACHED, BACK END DEBT-TO0INCOME RATIO OF 55 % WAS ELIMINATED IN XXXX SO I WOULD BE ELIGIBLE FOR FHA HAMP. I ALSO WAS NOT EVALUATED THROUGH WATERFALL PROCESS FOR THE FHA HAMP PARTIAL CLAIM AND COMBO. SO BB & T WRONGFULLY DENIED MY FHA HAMP AND DID N'T EVALUATE FOR ALL FHA PROGRAMS THROUGH FHA WATERFALL PROCESS. NO PARTIAL CLAIM WAS EVALUATED ACCORDING TO THE ATTACHED DENIAL LETTER. I ATTACHED THEIR DENIAL AS PROOF AND I ATTACHED MORTGAGEE LETTER XXXX AND SUPPLEMENTAL DIRECTIVE XXXX. THIS PROVES THAT BB & T SINCE XXXX COULD HAVE ACCEPTED ME INTO FHA HAMP WITH PARTIAL CLAIM/COMBO, REGARDLESS OF MY BACK END DTI. THIS IS HORRIBLE MY MORTGAGE LENDER CONTINUES TO COMMIT DUAL-TRACKING AND WRONGFUL BLATANT DENIALS.
on XX/XX/XXXX I returned all equipment to a in field XXXX Agent ( XXXX XXXX Rep # XXXX ) at my former residence in XXXX XXXX zip code XXXX. I closed the account prior to my move to XXXX. In my possession I have the receipt given to my husband on XX/XX/XXXX, on this receipt are listed the serial numbers for the very equipment we are being accused of not returning. we moved cross country after this return of equipment happened. We were not aware of this collections until we tried to purchase a home in XXXX in XX/XX/XXXX. Numbers and addresses were different so we never noticed. I have called over and over and have several ticket numbers to their investigations. which they have never followed up on. I 'm at my last straw. I just lost the home of our dreams because of this horrible incident. XXXX claims they have no record of missing equipment. yet they refuse to remove us from collections.. talked to them again today XX/XX/XXXX after waiting to hear back from them since XX/XX/XXXX still no answers! help! I just want to buy a house and not worry about this collection that is not even valid ruining every purchase!
Caller would not identify himself, his company or the reason for calling. He was rude, evasive and asked inappropriate questions. My XXXX year old husband and I were verbally harassed about a debt we are not resposible for. I determined that the individual was calling from Diaz and Associates by looking up his phone number online.
Portfolio Recovery uses different phone numbers to call me. I don't have any collections. 
I told them months ago to stop calling me, that I don't have any collections and they continue to call almost every day. They have used 37 different telephone numbers to call.
A letter was uploaded Equifax XXXX/XXXX/15 to XXXX XXXX XXXX stating that the XX/XX/2015 payment was reported in error. They did not investigate fully or failed to change the reporting to reflect 30 day late.
On XXXX XXXX XXXX I received a letter from my then mortgage company XXXX XXXX XXXX saying as XX/XX/XXXX they will no lnoger be my mortgage servicer that they had sold it in XX/XX/XXXX to Carrington Mortgage Services and as of XX/XX/XXXX all payments should be sent to them. I still have not received a letter or any type of communication from Carrington to let me know they have aquired my mortgage. When I call them the representative told me it could 60 days or longer before we even get assigned a account number and receive any sort of communication from them. The Representative further stated that Carrington had purchased XXXX mortgages from XXXX in this transaction and that the previous month they had purchased XXXX from XXXX and that they where over whelmed and backed up on the transfer of all these mortgages. Carrington is in violation of the law for not even sending me a letter to inform me they had aquired the mortgage and it is well appereant that they can not handle such large purchases of XXXX mortgages in 2 months. The law very clearly states that when mortgages are sold from servicer to another it must not be in anyw ay a burden or problem for the consumer. It is not my fault or problem if Carrington has purchased more mortgages then can possibly handle in any good way for the customer.
XXXX XXXX XXXX seeks to collect on a debt that is barred by the California Statute of Limitations. The debt is not mine and is unenforceable against me.
I have not authorized  XXXX   XXXX  to make any inquiry into my credit report. At the times of the inquiries, I had a fraud alert on my report that ask for any company seeking access to my credit file to contact me personally. I called  XXXX   XXXX  on  XXXX  after reviewing my credit report from Equifax and was informed that they will not remove the inquiries. When explaining the issue to them, they refused. They are in violation. Equifax has informed that they will remove the inquiries if the company approves.     I would like for them to remove all inquiries that they have done into m y Credit file an d follow the law correctly.      XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX
I have had a Business Management Account with American Express since XX/XX/XXXX. That account was closed in XX/XX/XXXX-XX/XX/XXXX. I have no issue with that. However, all of my balance has been at the cash advance APR, while I have not taken a cash advance in the last 10+ years. Amex now claims that this was now due to a {$60.00} cash advance I took XX/XX/XXXX, but they are not sure. 
However, once I complained XXXX of my balance is now shown as cash advance and remaining balance at a lower limit which American Express ca n't explain. I have called American Express 15-20 times over the last 2 months to resolve this, and quite frankly Amex has no answer, they push me off to escalation who promises to call me back the next day. As of this writing, the representative has called me back once when the process started, I returned her call and have not heard from her since. It has gotten so bad that when I call her voice mail, I start off by saying " I sincerely hope you are ok ... ''. Her manager told me that she has returned my calls but ca n't say when - but I do have a receptionist and voice mail so this seems disingenuous. 
Amex went from being my card of choice to a company that I would n't wish on an enemy. I had XXXX platinum cards with them and I ca n't get the decency of a return phone call? 
Just a horrible customer experience.
I have been trying to work with customer service on multiple occasions to get validation of inquires that have been placed on my report. I have also attempted to contact some of the companies that are listed on my report as inquires but have had no success. The customer service reps have been unhelpful in assisting me in removing duplicate, old outdated and inaccurate inquires and constantly transferring me to multiple representatives resulting in no correction. Please validate the inquires listed on my credit report or remove them within 30 days as some sure have been added in error or without authorization.
Numerous phone calls at work even after I have stated that I am not allowed to receive personal calls as well as threats in regards to showing up at my job and contacting my manager directly. I have provided the hours that I am available after work and they are closed during those hours so they told me that they will continue to call me at work and leave harassing phone messages on my work voice mail.
There are a number of inquiries on my report that I did not authorize and I do not know why they are on here and I need them off as soon as possible. I called XXXX and they would not remove them. Listed below are the name of the inquires and the dates of them all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX card XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX finance XXXX XXXX XXXX Cap XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cr XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX auto XXXX XXXX fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX Premium cred XXXX
IN REGARDS TO TRANSUNION XXXX XXXX XXXX XXXX PA XXXX I HAVE SENT CERTIFIED LETTERS OVER AND OVER AGAIN ABOUT ME BEING A VICTIM OF IDENTITY THEFT AND A VICTIM OF IDENTITY FRAUD AND NO ONE SEEMS TO CARES. ALL OF MY INFORMATION IS SCATTERED AND JACKED UP AT TRANSUNION AND NEEDS TO BE FIXED ALONG WITH THE REMOVAL OF INCORRECT EMPLOYERS. AND TELEPHONE NUMBERS. I HAVE TRIED TO RECTIFY THE PROBLEM COUNTLESS TIMES OVER THE PHONE AND THRU MAIL BUT HAVE GOTTEN NO WHERE SO NOW IM HERE WITH MY COMPLAINTS.
One of my friends told me about a company, Premier Student Loan Center, that completes your student loan forgiveness documentations for you. I contacted them about their service on XX/XX/2018. I was told that the company was a document preparation company and that is why I had to pay for the service to be done. On XX/XX/2018, I paid the first installment of {$190.00}. I paid the same amount on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. On XX/XX/2018, I was charged an automatic payment of {$190.00}. On XX/XX/XXXX, I was charged {$40.00} for the Income Driven Loan Forgiveness that I was told that I was signed up for. All in all, I have paid {$1100.00} towards my installment for the program and {$40.00} to the program that was supposed to be for my student loans.The red flag that made me question their services was when I checked directly with the XXXX XXXX XXXX XXXX as to why my payments to them were {$0.00} yet I was paying {$40.00} towards my loans. The representative said that the company was most likely a scam and they falsify documents so that my monthly payments are {$0.00} yet I am paying them and making it seem as though it is going towards my loans when it isn't. The representative said I could be penalized individually and possibly receive jail time or not have my loans forgiven period as a result of dealing with this company. They lied about my personal information for lower payments saying that I have 5 children, I am divorced, receiving government assistance, etc. I have no children. I have never been married. I do not receive any form of government assistance. They lied so that my documents would seem as though I could not afford any monthly payments. The paperwork that I signed with them initially stated that they would provide complete and truthful information which was a lie. They also stated that they have a limited money back guarantee being that I can get my money back since the documents were inaccurate. As of today, XX/XX/2018, I am calling my bank so that they revoke authorization of further monthly payments and working to get my money back. I have already applied for the forgiveness program the correct way with accurate information and I am waiting to be contacted by them. I just don't want anyone else to get caught up by this company that is once again called Premier Student Loan Center.
I opened a new XXXX XXXX XXXX last XX/XX/XXXX and received XXXX reward points of promotion offer. This XX/XX/XXXX I closed the account since I didnt use this card too much but the XXXX reward points of promotion offer were deducted for no reasons. I met all spending requirements and Amex should not remove these rewards points of promotion offer.
XXXX '' HI opened a credit card with American Express on phone and was told that if I get approved I shall get the bonus points after fulfilling the requirements which I did. In course of fulfilling my requirements I asked few times if I shall get the bonus points and I was told yes by the representatives. After fulfilling my requirements I asked for the bonus points and I was forwarded to a supervisor who told me that as I previously had this card and even though I never got the bonus but I cancelled it I wo n't be getting the bonus. 
I humbly think that this is not right and not fare as the bank should not had issued me the card first place and the representatives should had warned me that I wo n't get the points. Doing so only after I fulfilled my requirements and being told by the representatives is misleading and leaves a very bitter taste and feelings. 
If I do n't get the promised bonus points I feel myself free to pursue other justice options
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX   XXXX
I transferred into XXXX University in XXXX, IL from a small college in Wisconsin after my freshman year. After realizing I did n't want to be in a small city setting, I transferred and left behind my scholarships. Unfortunately, many schools do n't hand out scholarships to transfer students and my parents were right above that line for federal aid, so I had to take out all private loans. Not realizing repayment options for federal and private loans were different, my family and I did n't think taking on a large debt sum was going to be that big of a deal. When I realized I did n't want to become a doctor anymore and was n't going to make as large of a salary things got a little scarier. So I ended college with over XXXX dollars of student loan debt. Discover student loans wanted me to pay near {$1500.00} a month, six months out of college. When I explained my situation they told me to ask my cosigners for money. When I told them XXXX was recently XXXX and put on long term XXXX and the other only made {$38000.00} a year, they told me I only had a few options. The lowest payment option was {$1100.00} a month, which is technically interest only and is only available for 6 months. I started paying this along with {$200.00} a month for federal loans, totaling {$1300.00} a month. Thankfully I got a pretty good job right out of college or I would n't be able to survive. However, I am barely surviving as it is. I have to pay rent, bills, and loan payments. In order to do so I work my full time job, babysit at least 3-4 times a week, stick to a pretty strict budget, and try to pick up side jobs here and there. While struggling, Discover proves to be less than helpful. Every time I call it 's either " too early to talk about my options '' or I need to " call back later ''. I can never get a straight answer and when I do there 's no wiggle room. Even if I paid XXXX a month to them, they told me that it would put my loans into default and they could garnish my wages. What XXXX XXXX XXXX can pay {$1600.00} a month in student loans ( federal and private ) and pay for rent, bills, and still eat? Not any that I know. Every time I try to work with them to get a lower payment plan they tell me that their agents are busy and will call back later, but I rarely get a call back, which just causes another call from me ending in a circle. My 6 months of reduced interest only are up and I 'm back to the circle calling. I do n't know what the next option is and I do n't know how much longer I will be able to survive like this on a entry level salary.
I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " XXXX XXXX XXXX '' and an amount due which has already been paid long time ago. I had been harassed with calls. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from XXXX started
I called in to Convergent outsourcing solutions to get verification of a debit that showed up on my credit XXXX, XXXX 2016. I called in and requested a letter for the debt. The representative told me that she could n't send me a letter because I was n't making payment on the debt at the time that I was requesting the letter.
American Express has handled this situation horribly. <P/>I tried to be civil with them and solve with AMEX directly for a month now. <P/>What happened was I added an authorized user to one of my cards via live chat. They incorrectly coded this as a credit inquiry, which is completely false because I already had the card. I then called and talked to the credit team at AMEX and they told me to fax in the documentation of the hard inquiry on XXXX, so I did. <P/>Now here a month later and its still on my credit report as a hard inquiry, which just infuriates me because I am trying to buy a house and they messed up and ca n't seem to fix it. I am requesting them remove the hard pull from my XXXX report as well as additional compensation in the form of XXXX XXXX to my account XXXX I shouldnt have to ask multiple times and wait months to get this removed. Make it happen, this is an ERROR on your part, which you guys admitted too already but ca n't seem to fix it?
I have a old debt with XXXX but it was in XX/XX/2013 and this account its too old to be in my credit report. I have this debt from 6 year ago. Now this collection company is keeping calling me every single day all the time. XXXX  is taking care all my credit but still is hard because the XXXX XXXX  debt company keep harassing me every day and the account dates are not correct in my credit. Please release this debt from my credit report because this debt its too old to be in my credit report. Thanks
On XX/XX/2018 I mailed reinsertion letters to XXXX, XXXX & Transunion because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to XXXX, XXXX & Transunion
TransUnion continues to report fraudulent information on my credit report. Because of this, I was denied from renting an apartment due to the fraudulent information reported by TransUnion. This has created a hardship for me and my family. The other credit bureaus deleted the fraudulent information but TransUnion came back verified, how is this possible, when I sent each bureau the same information. I sent to TransUnion a copy of my police report and Identity theft report on  XXXX / XXXX /   2016  and also around  XXXX / XXXX / 2016 .
Company incorrectly reporting debt causing negative impact on credit report. No contract between debt collector and myself.
on  XXXX   XXXX ,  2017  I initiated a transfer  via Western Union fo r {$1600.00}  ( mtcn  :  XXXX  ), upon completion of the transaction, the  IFSC  code was incorrectly shown, therefore contacted the customer service rep and he told me to wait until  XXXX  as someone will contact me to correct the problem and if I am not satisfied with the wait, he asked me to cancel the transaction and I did cancel the transaction. I initiated another transaction via transfast and they asked me to provide driver license, bank ownership proof, passport copy and the transaction was completed. In the meantime, on  XXXX  I received the email from Western union that the transfer was complete. I was shocked as I have already cancelled the transaction a nd the IFSC nu mber was wrong and no one verified my identity. Contacted  CSR  and they told me that money will be returned as they can not see a transaction using my email id and transaction is available on  XXXX , therefore they still had 2 days to cancel the transaction before reaching the destination.  Case  no :  XXXX . On  XXXX / XXXX / 17 , received mail indicating that the transaction was effected with all the rules and procedures followed. How a leading wire transfer company can send money to other country without any validation? Now I understand, how  XXXX  is collecting millions of dollars from outside their own country. I was sending this money to a unknown person based on information given to me by my brother-in-law ( as he owed money to hi m ), now  he has double the money in his hand.