WillisBack/dataset-financial-user-claim huggingface dataset:
USA discounters has not been refunding the total amount back to customers when they add new products to a contract. When they rewrite the contract They do n't apply the full refund back to the customers. A little bit it left in the principle to keep accumulating interest and the principle. 
This happened over my XXXX rewrites as I added new items. I did n't catch it until I was in a court battle with USA discounters and reviewing all my contracts. I noticed the difference when I compared there previous warranty and debt cancelation charges to the refunded amount. I read thought there bankruptcy paper work and they stat in there that those XXXX items are broken down over the length of the contract. 
When I went to court about the matter we settles but the lawyer told me I would probably win that section of my case if we went to the judge. I settled on a XXXX pay back ay 9 % interest over XXXX months. Which is fine by me when I was suppose to pay XXXX total. 
I need to bring this forward because if they did this to me they are doing it to other customers before they started there chapter XXXX. I hope you can look into this and it is found to be true and they are stealing form customers.
I applied to Bank of America for a car loan on the purchase of a used car from a private owner. I was approved for the minimum loan of {$5000.00} by Bank of America ... I sent the registration and title creating a lien interest in Bank of America. Bank of America has reneged on the car loan and has failed to return the title and has failed to release the lien
all are being reported on XXXX, transunion and XXXX. They did not have my permission to run my credit and i have been fighting to show proof in writing and no one has provided me this informatiom. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX IXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX & XXXX Inquiry from XX/XX/XXXX XXXX XXXX
XX/XX/XXXX : I submitted my employment certification form for qualification under the Public Service Loan Forgiveness program. At about that time, my federal loans were transferred to XXXX XXXX as they are the servicing company for all lenders in the PSLF program. 

XX/XX/XXXX : I learned that only eight payments and eleven payments were identified as qualified payments for the PSLF program for the two loans serviced by XXXX. Each loan, in reality, should have close to 100 qualifying payments toward the 120 minimum. 

XX/XX/XXXX : I called XXXX to discuss this issue. They told me that they would review the details of my repayment and to call back to learn more, about a month later. 

XX/XX/XXXX : I called XXXX again to inquire about the qualification of those payments. I was told that a large batch of lenders were transferred to XXXX and their system inaccurately counted the number of qualifying payments when they were transferred. To rectify this, individual assessments of hundreds, or likely, thousands of lenders was required to arrive at the correct number of qualifying payments. This representative concurred with me, that many of my payments were both made on time and under the correct repayment plans. Because of the individual assessments, it would be some time to get this rectified and that I should check in on a regular basis ; which I've done and continue to do. It was estimated that it would take another six to eight weeks. I was told that my case would be " elevated '' to a supervisor for more immediate resolution. 

XXXX - XX/XX/XXXX : I called XXXX again to inquire about the qualification of those payments. I was told that a backlog of these issues would push off the conclusion of my case for another eight to twelve weeks. I was told again that my case would be " elevated '' to a supervisor for more immediate resolution. 

XX/XX/XXXX : I called XXXX again to inquire about the qualification of these payments. I was told that the backlog continued and that it would likely be a total of six to eight months for my case to be resolved. I was told again that my case would be " elevated. '' It was at this point that I realized that I was being given the run around. I was connected with a supervisor who admitted that they don't know how long it will be until these issues are resolved and further that previous " elevations '' to a supervisor never took place and that no supervisor was working on my case. 

Ultimately, this has been a very frustrating process whereby XXXX continues to lead me on in the belief that there is some point in time that this will be solved. What's worse is they have mislead me to believe that some action was taking place on their part, when in fact, their own notes of my case do not show any " elevation '' of my case to a supervisor. Further, I don't even know if the payment program I'm in now is counting towards the PSLF qualifying payments since the number of qualifying payments is still at eight and eleven, despite eight months passing since I had my loans transferred.
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX, Ga. I placed half of the purchase on credit cards and the other half I was convinced by XXXX was a good idea to finance through World Omni Financial d/b/a XXXX XXXX XXXX. I decided to finance the remaining amount, thinking it would build my credit to purchase a new home. 
In XX/XX/XXXX, I paid {$5000.00} on the XXXX XXXX only to find out a month later that {$2100.00} was the online posted amount to pay off the loan. I took the remaining amount of money from my bank account to pay off the loan so, I sent SETF a personal check ( # XXXX ) in the amount of {$2100.00}. I would never had taken the amount from my bank account to pay off the car had they not posted the incorrect amount on their website because it would have caused a hardship for me to pay the lump sum and still make payments to them. XXXX released the lien to the state of Georgia and the State of Georgia sent me the title to the car while XXXX also sent me a payoff letter stating that I had paid the account in full. 
About a month or more after I received the title, I received an email and a mailed invoice stating that I owed them more than {$5000.00} for the XXXX XXXX and have received emails and invoices monthly for a payment. After posting a " Closed-Paid and Closed '' account status on my credit, they reopened the account on my credit report. I called XXXX and spoke with XXXX who told me that they had made an accounting error but, that I would have to pay the amount that I had contracted for. She stated that they took full responsibility for the error. Taking full responsibility is not unloading the mistake onto the consumer. 
Please help me, as a consumer, eliminate these inappropriate business and accounting practices, as it can cause financial hardship to the average citizen. Please review their business practices for illegal activity with consumers and help me by finding that XXXX has performed inappropriate activities and should zero my account.
To whom it may concern I want to raise this compliant to American Express Membership Reward program. I will need help to lift the freezing account so I can transfer my points. 
I were trying to transfer my American Express membership reward points to my two authorized user linked to my account ( employees, redeem points for Company travel. ) I was able to transfer points to first account. However, yesterday, XX/XX/2019 I tried to transfer second account, the website give me error. code # XXXX. Contact AMEX staff online chat, they ask me to call Membership reward program. Called the reward program and then they ask me to talk to Fraud department. This morning, XX/XX/2019, called fraud department and clear my identity, they send me back to Membership reward program. Staff in the reward program still have trouble to transfer my points. According to what he tell me, my account is under review. My account is currently freeze for any transfer points. It is very frustrated. All my points are ligament and through normal purchase. 

Thank you very much. 
Sincerely,
I took a hit to my credit bureau report for a deceptive reason : I went through the checkout line at KOHL 'S department store on XXXX and was asked if I wanted to apply for a credit card. I initially said no. Then was advised I could get 30 % off my purchases if I applied. I again said no, but upon thinking of the discount I would receive off my {$160.00} purchase I then was convinced to apply. Upon being approved and final checkout, I noticed there was no discount. I inquired and the manager or lead came and gave me a {$0.00} discount as you can see from the receipt I included in this email. I was then told you ca n't get a discount on Levi jeans. The cashier is then co-signing this information. This strikes me a surprising that the cashier is now telling me this information as XXXX out of XXXX of my items are Levi jeans. Unhappy with this the manager/ Team lead person reminds me I did get 30 % discount off the {$2.00} shirt. Still unhappy and voicing my opinion about it. She then tells me " If I do n't want the card I can just pay for it all with another method of payment '' I then proceeded upstairs to return all the merchandise. I think it should be noted of this UDAAP violation as it would be a deceptive practice.
I have been trying to work with Roundpoint Mortgage servicing company that holds the 2nd on my home over the last 7 years with no success. I was given misguided information from so many representatives. Everytime I try negotiating they send me a package in the mail and I complete and send back they say they didn't receive it. Finally after years I have a representative that is more familiar with these issues assist me. I assigned the company a power of attorney and they were at one point communicating with Roundpoint but then the representative became non responsive. Round point has not contacted me on the phone number they have on file or through email or any type of certified letters. Everytime I call them they say they will have a rep call me within 48 hours. I was recently sent a notice of default stating that XXXX XXXX XXXX who is the private lenders want to foreclose on my property. I have been willing to negotiate the balance for years and Roundpoint is not responding. I finally was able to get through to a rep this week and sent in the last 2 items they said they needed which I was never informed of. They also said I had to resend my authorization and hardship letter AGAIN because it " expired ''. The only reason it expired is because they would not call the POA or myself. Once again they said they don't have the POA on file so I sent it to them again on XX/XX/2018 with all the final documentation. They say it takes 4 business days to receive the images, which is also strange since they are faxed to them. I am willing to negotiate a balance and have always been willing but they were not working with me. Now that the house has increase in value they placed a notice of default so that they can force me out of my house. 

I am a single mom with an elderly mother that lives with me. I have a daughter that is going to college which I pay for, who's dad passed away 2 years ago. I pay for all the expenses in my household and any medical expenses for my elderly mother. If I am forced out of my house it will affect my entire family. 

I feel that Roundpoint Mortgage and XXXX XXXX XXXX ( who I believe had been bailed out ) is forcing me to go into foreclosure. I need assistance on how to handle this.
Continuously receiving calls from debt collector. Presumably LTD Financial. Not sure because I will not give any personal info over the phone and they can not discuss unless I verify personal info. I have repeatedly asked them to STOP calling me and send written correspondence only. I have blocked every number they call from, they just call from a different number. I also stated I am on the Do Not Call Registry.
TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( XXXX ) XXXX REF : XXXX/XXXX  XXXX XXXX, Georgia AMOUNT : {$300.00} FROM : XXXX. XXXX XXXX, XXXX, XXXX, XXXX ( XXXX ). 
XXXX XXXX XXXX. XXXX, Georgia XXXX ( XXXX ) XXXX XXXX I have left several messages with no responses from this company. I have told this company this is not my account, and I dont have a clue where this originated from. I have sent them a police report to substantiated I had identity theft, and this is not my account. I need to hear their lousy excuse why are they making me suffer. I need for them make an informed decision regarding this claim that I owe this money. They can not!!! 
I am extremely distraught by this companys defilement of another Veteran credit report. I am open to communicating with you for this purpose, only! In order to make sure that I am not put at any disadvantage, in the interim, please consider this debt as being in dispute, not mine, and dialogue amongst us. The federal Fair Debt Collection Practices Act ( FDCPA ) offers consumers protection in contradiction of excessively antagonistic debt collection actions by collection agencies like yours.
This company has violated federal law in its dealings with me. Is it conceivable you could get your companies ( XXXX XXXX XXXX ) to remove this unlawful, and illegal stain off my credit report? In nearly 50 plus years dealing with any companies, I have never been so victimized  and wronged so severely about an account that is not mine. I have left several messages with no responses from your employees. I have told your company this is not my account, and I dont have a clue where this originated from. 
Your company has forced me to report you all to our government agencies, and I have given them revelations to your violations, using unfair, and illegal credit bureau reporting tactic regarding a debt that doesnt belong to me, sadly. I do not appreciate your process, and the way your company trying to strong arm me, and then have implemented a deceptively, quixotically, and unlawful assault on my character. 
This is a sneaky way to justify your company qualification without concrete evidence, and using deprived services ; I am writing today to complain of the unprofessional service I received in this un-forgetful process. I only wanted to get a V.A. Loan after I sacrificed my life for this country with honorably behavior. They have besmirched my character and knowing, I live in whole another county in Georgia.
I lost my XXXX credit card. I called in to dispute for all the transactions that I didn't authorized but XXXX still make me to pay for those transactions. Please help me to resolve these issues. XXXX team refused to resolve these issues and requested me to pay : 1. XXXX XXXX : XX/XX/XXXX= {$430.00}. XXXX 2. XXXX : XX/XX/XXXXXXXX {$18.00} 3. XXXX XXXX : XX/XX/XXXXXXXX {$37.00} 4. XXXX : XX/XX/XXXXXXXX {$150.00} 5. Half & Half : XX/XX/XXXXXXXX {$6.00} 6. XXXX XXXX : XX/XX/XXXXXXXX {$37.00} 7. XXXX : XX/XX/XXXXXXXX {$15.00} + {$12.00} + $ XXXX {$36.00} 8. XXXX : XX/XX/XXXXXXXX {$280.00} 9. XXXX XXXX XXXX XX/XX/XXXXXXXX {$59.00} 10. XXXX XXXX XX/XX/XXXXXXXX {$54.00} 11. XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX {$210.00} 12. XXXX 's XXXX XX/XX/XXXXXXXX {$14.00}
I have had the same student loans in my name since XXXX XXXX. My ex husband was ordered to pay them in the court of XXXX County Alabama. He of course did not follow through. I have been put on forebearance and on income driven repayment plans as well as in default before, where they took every cent of mine and my husband 's federal income tax refund ( which was over $ XXXX ). in review, I have noticed that I have several old accounts on my credit that reported as of XXXX, that were. NOT servicing my loans and that has hurt my credit. Navient has had my loans for a while. I paid {$50.00} a mo for 6 mos and I was supposed to be " forgiven '' by one of the " servicers '' and once those payments ended, they stopped taking the money and ended up going into default and then being sold off to other servicers. This is bait and switch. I make $ XXXX a year and can not pay anything back, especially since these student loans are over 20 years old. Currently, I am on an income driven plan with Navient and XXXX. I do.not understand why I have so many different servicers. I have asked in the past to have them all consolidated, they say ok and never do it. So I get one caught up with whatever they can give me and then the other is not. This is so confusing and never ending. I also want to know where that $ XXXX went bc I should be $ XXXX less than I was. It is n't showing that. I am very frustrated and tired of having to worry about it bc they hit my credit..Also, I applied for IDR from Navient, sent in all my Info and they said they could n't read it and I had to resend. Sadly, they did some system update and it kicked out EVERYONE who was trying to get any sort of repayment plan approved so they put me into " forebearance '' until XXXX to get things " fixed ''. This sounds a lot like the whole mortgage industry XXXX.
I went to XXXX XXXX in XXXX Fl ... ... I was told by staff that all the loans I had were Stafford loans. I am XXXX and when I tried to get all my loans taken care of that was when I learned that I had a private loan through XXXX. That was and is very deceptive on XXXX part.
When i moved out of my apartment at XXXX XXXX XXXX XXXX ky XXXX on XX/XX/2015 i called and had my XXXX XXXX XXXX set up to be disconnected but then on XX/XX/2015 when i tryed to move in a new apartment i couldnt put XXXX XXXX XXXX in my name cause i found out XXXX XXXX XXXX never turned the electric off and called and told them and they said all they could do was go shut off so no more money builds up they said they couldnt do anything about it cause the apartment complex told them i was living there still
I have I put forth good faith effort to contact this XXXX, XXXX and Security Credit Services who XXXX, XXXX says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from XXXX XXXX.
I do not remember authorized " XXXX XXXX '' to obtain a copy of my credit report. Please deleted this inquiry.
I am having online access for my XXXX Citi XXXX cards for more than XXXX years ... it was working XXXX days back also ... now all of a sudden it stopped working ... i knew my userid and password very well. 

When called Citi - they are telling that I do n't have online access to my account which is not accurate. 

Later I have to create userID all over again and have to manage all my accounts all over again. 

Citi is falling under it 's own weight. There seems to be some hacker 's attack on citi due to which the userIDs have stopped working.
Invalid credit inquiry or failure to provide decision letter based on accessed credit file XXXX was unable to access my Credit report to due a credit freeze. However, there are XXXX inquiries on my report from XXXX. I called XXXX several times concerning this. most recent today where i spoke with XXXX and her manager bill. If they were able to access my report, why did n't i get a decision letter based on the information in the credit report. they told me to check with the credit agency which i did and they told me to contact XXXX. i explained that i received a letter stating they were n't able to access my report but the inquiries show they were able to. I have went back and forth between the credit bureaus and XXXX. The inquiry should be removed based off the response from XXXX. they were unable to access my credit report so no inquiry should have been made. XXXX case number is XXXX
I have been paying for an insurance policy with Bank of America credit card in case I was hospitalized or lost my job the amount owed would be dismissed. I lost me job and unemployment was not enough to pay all of my bills including rent. I filled out all of the necessary paper work and submitted them. The policy was not honored at all. I have received threatening calls and they have called everyone that I know, church, friends, neighbors and relatives harassing them as well.
When I first found out that Consumer Adjustment was reporting on my credit file I sent them a request for validation per my rights under the FCRA on XX/XX/XXXX certified mail.The item was removed from my credit report when they failed to validate. 

However they re-inserted it back on my report after it was removed, which is a violation of the FCRA as they did not notify me of the reinsertion. I informed XXXX  that they were in violation due to the reinsertion. XXXX was in receipt of my letter on XX/XX/XXXX via certified mail and once again the item was removed from my report. 

In XX/XX/XXXX of XXXX again this company has reinserted the item on my XXXX report ; and once again after sending another request for validation they removed. 

To my surprise, Consumer Adjustment has REINSERTED AGAIN for the 4th time. In addition my latest request for validation was returned as undeliverable on XX/XX/XXXX. The address they reported to the credit bureau is a bogus invalid address. 

I've gone in circles with this company. It should not be this difficult for a consumer to get a proper validation response from them as requested. I've been dealing with this since XXXX, that's 4 years of deletions followed by re-insertions! XXXX is equally to blame for not following FCRA reinsertion notifications required by statute. This item has been reinserted and allowed to be done so 4 times now and not once have they sent the required written notification as required by law within 5 days. From my research on the web it appears that NONE of the bureaus send out these notifications by policy. I found the re-insertions only by looking at my credit report. I have no where else to go than to request support from the CFPB to resolve this issue. 

I've enclosed copies of my latest reports from XXXX and XX/XX/XXXX. Should it be necessary I can submit previous reports showing that Consumer Adjustment was reporting and then deleted. I've listed the report numbers below along with a date of the item reporting and then not reporting.