WillisBack/dataset-financial-user-claim huggingface dataset:
My husband leased a jeep from Chrysler Capital for three years, last payment is in XXXX, 2017.In all this time our payments have been made on time. Recently, my husband past away. He was the only driver of the car. I called Chrysler, told them of my circumstances and that I wanted to pay the remainder of the lease, and hand in the car. They told me that I could pay off the lease, but I could not hand the car in without extra charges. The car is in excellent shape with XXXX miles on it. So, this did not make sense to me. 
They told me to send in my husband 's death certificate and maybe they could wave the charges. Ofcourse, I never heard from them. Calling back a third time and yet again, getting a different answer, I was told that they had death certificate but were doing nothing to help me. Frankly, I was beginning to feel as if they thought I am old and stupid. But, the worst thing of all, was on Monday XXXX, 2017, at XXXX, there was a pounding on my door and the man said that he was there to repossess the jeep. The only thing he would tell me was that it was Chrysler Capital 's orders. I then saw that there was a man at my back door, and I was so frightened that I called the police. The officer told me there was a report that they were picking up the car, so I had to let them take it. I was so upset that I stayed up all night until I could call Chrysler in the morning. They made a big mistake but they would return the car, would I like to pick it up, and they were not going to charge me for the towing!!! Can you believe it????? I truly feel like they are trying to take advantage of me. 
Even the dealer involved in the lease ca n't believe it.
The information contained within my file for XXXX XXXX is incorrect. The company states the account was open on XX/XX/2016 but also states that payment was made on XX/XX/2016. This information is innacurate and after multiple requests XXXX XXXX has not been able to provide any documentation showing the account was opened by the customer. They also have been unable to provide any documentation of payments made to the account on XX/XX/XXXX or any other date. XXXX is in violation of the FCRA. In accordance with the FCRA XXXX is required to provide any and all documentation requests. They have not provided any documentation for the account at all. The credit beareau is also in violation of the FCRA. The credit agency has failed to verify documentation of the debt to the borrower from XXXX XXXX. Pursuant to the FCRA the credit agency is required to formally verify that XXXX XXXX can provide accurate proof of the debt belongs to end userand all information contained in the file is accurate.
On these dates things was purchased that I was n't aware of and didnt pay for myself. I was unaware of this until I looked at my account. I thought I was loosing money but I did n't know how or where so please help me get it back.   Date :  XXXX   XXXX     2017 amount : {$75.00} Date  :  XXXX   XXXX     2017  amount : {$50.00}
experian shows 2 accts in collection, but doesn't show the co that report it. Can't get them on the phone with the # they post. XXXX XXXX put XXXX on all 3 cr reporting agencies. They informed me in cs its a install fee. I was told by sales when service was order in XX/XX/2018 there would be no fee. I took the trai period for 30 days return all equipment. Never heard from them again, now i see it on all 3 cr reports. Tried of sales dept making up info to get a sale, comm, promo. They need to stop with thier lies and be honest.
Chase Bank was hacked. My ATM card number was stolen -- along with many others ' ATM numbers -- and monies withdrawn from my account at an ATM in another state. This happened on Tues, XX/XX/XXXX. As of today, six days after this event, I still do not have my money back in my account. I still do not know when I will have it back. I spoke w/ customer service and up the chain to the so-called " escalation team. '' Apparently, my money and that of the other " hack-ees '' wo n't be returned until Chase 's " system '' does what it needs to do. In other words, I was told that nothing can be done about returning my money until the system determines when I should get my money back. That is what I was told by XXXX of the Escalation Team.
On XX/XX/XXXX I withdraw {$1000.00} from XXXX XXXX. The teller asked me to swipe my driver 's license on their machine before she gave me the money. Because, she did not gave me a receipt of the transaction I asked for one. She gave me a balance inquiry instead of a receipt. The balance inquiry showed that on last processing date XX/XX/XXXX the balance is $ {$2000.00} and on XX/XX/XXXX the available balance is {$1000.00} after the withdrawal of {$1000.00} The teller should have given me the transaction receipt so the correct amounts on XX/XX/XXXX and XX/XX/XXXX were correct. The processing date should be XX/XX/XXXX, the beginning balance should be {$2000.00} and the available balance after the withdrawal is {$1000.00}. 

The teller should not have asked me to swipe my driver 's license in their machine. I used a withdrawal slip to withdraw. I believe that my driver 's license and my account were compromised. I believe the teller and the bank tricked me.
Multiple emails from this XXXX XXXX- some from XXXX XXXX XXXX some from a XXXX XXXX . 

Over the past year or so I have received no written notice regarding this debt and payment options. I do acknowledge I may be liable to pay this and will clear it- but am not comfortable sharing personal information and credit card over an email. They will not provide a call in number or collection person to make payments or where to mail in money order payments.
This is a case concerning XXXX XXXX. First, the debt is XXXX, as my account is closed. I still retain online access to my account, and I have a XXXX balance. However, the company reported me to a collection agency, which in turn reported to a credit bureau, thus damaging my credit.
I disputed through equifax and now there are an additional XXXX+ inquiry on my report. They should have been removed because I have n't applied for credit in over a year.
I went to buy a phone on XXXX and they told me my card was not working the lady that work there used my card without permission i contacted XXXX more then 60 times and they refer to my credit card company my credit card company send me to XXXX. i contacted the police and they told me since they dont keep video past 30 days to contact my credit card company since its fraud. my credit card company Discover send me to XXXX. and the circle continues. i didn't get anything from XXXX i didn't authorized the cashier to used my credit card for her personal used. she not working with them anymore.
I asked Experian to remove this old account number XXXX, XXXX XXXX Bank which does not belong to me and it is not attached to another account. Experian has not removed and I am within guidelines to ask for the removal of old accounts.
I am a victim of identity theft. My XXXX credit card account : XXXX was lost/stolen. The balance of {$2500.00} is all fraudulent and unauthorized charges/transactions. The following hard inquiry is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/2017.
I signed up for an American Express Platinum Delta SkyMiles card. 

The offer on the card was the following " XXXX bonus miles and XXXX Medallion Qualification Miles ( MQMs ) after {$3000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. A {$100.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership ''. 

I completed the spend requirement in the required time period. I never received the {$70000.00} bonus miles, XXXX MQM Miles or the {$100.00} statement credit after purchase. 

I contacted AMEX ( 4 ) four times with no resolution. I first contacted them on XX/XX/XXXX. I then contacted them again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, AMEX told me there " is a know issue and there is a delay in posting of the miles on your account ''. They told me I should wait an additional time period. I believe that contacting AMEX ( 4 ) four times and waiting at least 5 months is more than enough time for AMEX to have resolved this issues.
On XX/XX/XXXX, I was charged interest for purchases made in XX/XX/XXXX
XXXX XXXX, Equifax, and XXXX keep reporting XXXX on Credit, XXXX XXXX XXXX XXXX and XXXX XXXX as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.
After getting a landline phone and number, we started to get debt collectors calling for debts that do not belong to us and that the people they are looking for we have never heard of. We tell them that there is no such person, however, these debt collectors keep calling!! Can you help us? XXXX of the companies is " Enhanced Recovery '' at XXXX and XXXX. Another is XXXX XXXX ( or that is what it says. However, that is not them.
During the month of XX/XX/2018, I paid off a car loan with XXXX XXXX. The account payments were never late. After XXXX XXXX closed the account XXXX XXXX-Transunion and XXXX lowered my score by, ore than 20 points.I called XXXX   and was told they would look into the matter. I submitted a dispute with Transunion during the 3rd week of XX/XX/XXXX and called them today and the issue has not been resolved. 

They quick to lower the scores and yet when a mistake is make it takes 30 days or more for them to make corrections, this is not fair! 

These credit reporting companies need to have more oversight from the government as it pertains to lowering scores without sufficient investigation. In addition they should have a set time to correct mistakes.
On XX/XX/XXXX, GMAC as servicer filed a foreclosure complaint on my property. The alleged note did not contain any blank endorsement. GMAC went into bankruptcy, and the case was stayed for awhile. Later plaintiff was substituted for XXXX. The substitution was initiated by Ocwen Loan as servicer with the help of XXXX located in XXXX XXXX. 
Ocwen is illegally attempted to foreclose on a mortgage it knows it does not have standing to foreclose. The trial is scheduled for XX/XX/XXXX. Ocwen is once again engaging in questionable servicing practices.
I have been trying to resolve this matter with a loan modification or other loss mitigation options. I submitted a loan modification package and have n't received a response as yet. My home was tied up from a divorce matter and my initial hardship came from an illness that left me physically incapacitated for awhile. I was unemployed for some time as well. I have recovered and can workout this matter. 
In XXXX, my home was damaged significantly from Hurricane Irma and I have a pending Insurance claim that my lender is aware of and I 'm not able to have fair, due process if there 's a pending foreclosure sale date. I also have a pending FEMA application open. I want to resolve my situation, but there are so many inaccuracies with the accounting and even escrow balance/transaction history on my account. I sent out a Qualified Written Request letter and have n't received a response as yet. Their attorneys are n't forthright and I 'm fighting several battles that could be resolved if I can have my lender actively involved with the resolutions. Instead their attorneys are making claims that there is no insurance or FEMA claim open and it was closed out in XXXX-when this is n't true. 
I 'm also fighting against the attorney 's unscrupulous tactics to close a file. This is my homestead. If I could gt the lender involved to engage in the workout/mitigation process then I am sure, we can have a mutual resolve. When there 's a constant sale date rescheduled every 30 days, it 's impossible to have the lender review my paperwork because of their internal procedures and timeline required for the State of Florida.
Ocwen Loan # XXXX XXXX XXXX CA XXXX After giving us an approval letter with an approved net, Ocwen is now claiming they want a higher net. They will not tell us what that net is. Instead of giving us an answer, they are further delaying this short sale by claiming that the US Treasury is the one that determines their Net Present Value ( the definition of which make no sense in and of itself and Ocwen is refusing to explain to us. ) They are refusing to give any kind of timeframe that the underwriting team will be finished with its review, and that they refuse to respond to our phone calls and voicemails. We have to contact the Ombudsman 's office to get ANY response whatsoever from Ocwen. 

The US Treasury has NOTHING to do with this file. It is not government backed. 

WE ARE TIRED OF BEING LIED TO -- -- -- -- -- -- this file is a private pooled group of investors and Ocwen is DELEGATED to make all decisions on the file.
Hello. I have been looking at my credit report and it has been wrong for some time now. I had some very important dealings recently, that required inspection of the report and almost did not meet criteria as a result of non reporting. I contacted my bank / credit card companies and they say they are reporting. I can not ever get in contact with Experian by phone. I can not wait more than an hour to speak to someone.. That being said, I found an old correspondence email and used it to mail them. I received no response. My total credit limit from my old visa has doubled. I have a newer credit card that is also not reporting. It too carries a high limit. None of this is being reported and my score is just remaining the same. There are stipulations for everyone in society regarding credit and lack thereof. Yet the overseers of this system do not appear to be doing their jobs. As a result, people are being denied what they deserve, life is being put on hold etc. This does n't make sense.
Hello, My complaint is against XXXX 's XXXX XXXX store which managed by Synchrony Bank. 
The address for their office is : XXXX/Synchrony Bank XXXX   XXXX XXXX , GA XXXX Their services are out dated, their customer service associates and supervisors do not know their job very well, and they ask the customer to be responsible for their mistakes. 

On XX/XX/XXXX I received an Email saying, that they tried to contact me throw my physical address ( by mail ) but they been informed that the information wasn't delivered. 
I called Their customer service, and told them about the letter I had received in my Email, ( That, they having problem to get in contact with me by Mail, but the customer service lady insisted that the problem is not with the physical Mail, and it is with the Electronic mail ( Email ). I told her " how come you saying the problem is with the email, and I received the letter by Email, and she couldn't answer. 

So I asked her to send me the statement by physical mail. This customer service lady never documented the issue, or our conversation in the computer, so other representative will read it. 

This Call was made to phone # XXXX XXXX XXXX and last 9 minutes. 

Passed a week and I didn't receive my statement to pay it, and the Due date is XX/XX/XXXX. So I called them on XX/XX/XXXX at XXXX XXXX   one more time on the same phone # and told them about the issue and the email I had received, and asked them to check if the lady that talked to me before had reported anything in the computer, and the answer was NO, so I asked to talk to supervisor, but the supervisor was more lazy than the associate. 

I asked her to listen to the conversation from XX/XX/XXXX, but she never did, so I asked her to send me the statement so I can pay it before the Due date but she never did. 

I made one more call to the same phone # on XX/XX/XXXX at XXXX XXXX for 15 minutes, and asked for the statement, because there was only 3 days left to the DUE DATE, they refused to deliver it over night, and they said the can't deliver it by email, and it takes them 7-14 Days to deliver the statement ( because the still delivering their mail using Donkeys and not the 2018 or 21st century mail service ) and they can't send it by email, only by Fax because their service is out dated and old fashion, and I need to be responsible for their mistakes. 

Last call was made one day before the DUE DATE, on XX/XX/XXXX on XXXX and I still didn't receive my statement. 

This isn't my first time issue with this card, few months ago on XX/XX/XXXX and XX/XX/XXXX I had made a payment toward the statement balance in the store, and the Cashier who processed the payment, she put it under purchase, it means that she charged me instead crediting me, so when I got my statement I noticed that, so I made a call to Synchrony Bank and XXXX 's XXXX XXXX to fix the problem, and they said they can't do anything, and that I need to go the physical store and loose time to fix their mistake, ( This is why I say that their service is out dated, and old fashion, that doesn't apply to the 2018 and 21 century ). 


Regards
On XX/XX/XXXX, Equifax Inc. announced " a cybersecurity incident potentially impacting approximately 143 million U.S. consumers '' and that " intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' On XX/XX/XXXX, I went to the Equifax website to check if I had been impacted. I entered my last name and last 6-digits of my SSN. I recieved the message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I was offered to enroll in XXXX XXXX XXXX, however I am concerned that doing so may weaken or limit my future legal rights.
I walked into Wells Fargo on XXXX XXXX, 2016 and applied for a secured business credit card. I deposited the {$500.00} that was required to secure the credit card and was subsequently approved that same day. I was notified that the {$500.00} would be pulled from my account within 3 days and that I would receive my credit card in the mail within 7 business days. It is now XXXX XXXX, 2016 ; approximately 1 month and 15 days later and I still have not received my credit card. I have called the bank where I applied, as well as customer service, every single day since XX/XX/XXXX and I have received, literally, XXXX different reasons why I have n't gotten my card. The bank has pulled the funds from my account, however, they will not give me a date, or even an approximate date on when I will get my card. I have been dismissed and belittled and I ca n't help but wonder why. This is fraud and apparent discrimination to the highest degree. I know that this has happened to other individuals and I am going to pursue this situation to the point of a lawsuit. If anyone has experienced this same situation, or any situation that has a hint of discrimination, or fraud, please post your experience.
Re. Ocwen loan No. : XXXX I am behind in mortgage payment for ( 6 ) years I requested several times to Ocwen to help me for modification, and was denied I was treated unfair and Ocwen discriminated me my loan and did not help I offer to keep paying my mortgage ( when in default ) and ocwen did not accepted Ocwen at all times, was acting bad, denying, saying the did not received my information and, not answering my phone calls for the last 5 years I recently contacted Ocwen ( XX/XX/XXXX ) becasue they are selling my house on XX/XX/XXXX and the person from Ocwen was short in telling " sorry I can not help, look for other options ''
Financial Asset Management Systems ( FAMS ) has kept my credit cards on file even after repeatedly telling them that I do not consent to them keeping my information on file. FAMS is engaging in illegal and deceptive tactics in flagrant violation of the Fair Debt Collection Practices Act. I never consented to allow FAMS to keep any card information on file, and even after repeatedly asking them to remove the information they have not done so.
This company is reporting unfair, and unverifiable information on my credit report, they are stating that I'm in a term monthly with this company. I have rented two property with this company I stayed in Both homes for 1 year only this company unfairly did not returned my security deposit of over XXXX for XXXX XXXX and XXXX for the other home. this company has yet to provide me or prove to me that I owe the sum amount of XXXX for one home and XXXX for only staying there one year in each property. I have contact XXXX  and XXXX to ask them to remove these derogatory remarks on my credit report as it is hindering my credit. There response from the credit Bureau is that the information meets requirement of the fair credit reporting act ). However I still have not been provided any proof after sending several letters asking for this information. I have enclosed some move out pictures from both residents
Inquires are showing up my account that I never signed up for or applied for. I wrote XXXX, XXXX and Experian and never heard back about this issue. I have proof of my letter sent via certified mail. This is impacting my score and I never applied for anything with any of these companies. I would like these removed. 


XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
I have a 30yr fixed rate mortgage with CHASE Loan # XXXX. 
Sometimes I make payments that are more than the monthly payment due, with the hope that the extra amount I pay, will be applied the principal, and as such, I can pay-off my mortgage quicker and reduce my interest expense. 

When reviewing my statement, I noticed that in some instances, CHASE applied my extra payments to the " future amounts due '' Essentially they apply the amount to the interest that has not yet accrued. 

In some instances the amount applied to the " future interest '' is a few hundred dollars. 
I called them several times ( case # XXXX ) telling them to restate my payments and apply any extra amount to the principal, instead of the " future payments due '' I have called them at least three times on this issue, but no help and no reasonable explanation. 

I also send them the following e-mail through the corporate web-site on XX/XX/XXXX On my XX/XX/XXXX Statement, my outstanding principal was XXXX, and the amount due was XXXX/ Of those only XXXX was interest. 
On XX/XX/XXXX I sent the payment of XXXX USD, if you deduct the interest due at that time of XXXX, the rest of the amount, XXXX should have reduced my principal payment, for the next month. However the principal for the next month was only reduced by XXXX. 
XXXX USD. was not applied to my principal amount. 
Please review my account and credit the remaining amount to my principal amount as of XX/XX/XXXX. 

But nothing happened since then.