WillisBack/dataset-financial-user-claim huggingface dataset:
I received an unsolicited, pre-approval notice from XXXX XXXX that I could get a loan from One Main Financial. I was glad to know that since I had a discharged bankruptcy on my credit report history as recent as XX/XX/XXXX. Since that bankruptcy, I have taken out one installment loan with my bank and have opened 4 credit card accounts, ( all in good standing ). So I applied for XXXX dollar, 24 month term loan, and I got a approval notice by email. The reason I applied for the loan was to have a diverse amount of credit history, so as to re-establish my credit history since the bankruptcy discharge. I spoke with credit manager at the local branch about my approval letter and according to her everything was alright, but she was rude and quite unbusiness like, after our heated discussion, I got a letter from the main office in Indiana stating my loan was denied, without stating any specific reason ( s ), even though it was approved, ( I have screen shot of approval notice ). My credit score went from a low of XXXX to a high of XXXX ( XXXX ), ( XXXX XXXX ), ( XXXX, XXXX ). Now, as a result of one main financial pulling a credit report, my credit score went down three points, thus making any future approval for loans from other potential lenders, possibly hard to get, that enquiry will be on my credit report for 2 years, thus making any possible future loans hard to get. I think it is bad business and very bad for the consumer when something like that happens, it hurts the consumer. My loan should had went through but because of the branch managers bad attitude, I did not get the loan I was pre-approved and qualified for. Reference number, XXXX, letter dated, XXXX XXXX, XXXX. I uploaded per their request, all documentation that was required, and my credit report has nothing negative showing on it but a discharged bankruptcy dating back to XXXX. I work and have a steady income, so there is no reason why I shouldn't get the loan I was approved for. Also the manager at one main financial in XXXX, Ms where I was suppose to sign for the loan, told me on the phone that since the bankruptcy had been discharged, that would have no negative affect on my approval status, also, she said that my credit score was within the range of being approved for the small, unsecured loan. But because she developed a attitude ( bad for business ), my loan appearantly was changed from being approved to denied.
On XXXX XXXX 2015, JP Morgan Chase sent me a text alert about potential fraud on XXXX of my credit cards. They asked if I had used this card at a computer store for X amount of {$.00} and I replied 'no '. I then called JP Morgan Chase and spoke with a representative. They advised they were closing my account and would send me a new card in its place. Now, what 's important to note here is I have not used this card in easily 1 year. However, I assumed maybe a store I had used this card at in the past, experienced a data breach and said store retained my credit card information for X amount of time and that was stolen. I did n't put much thought into it, up until now. The new card I received by JP Morgan Chase was AGAIN compromised. What is EXTREMELY important to note is that I neither activated, nor used said credit card since receiving it. It has been sitting in my drawer at home. On XXXX XXXX 2015, JP Morgan Chase sent me another text alert about potential fraud, once again, on this new card. They asked if I had used this card at a men 's clothing store for X amount of {$.00} and I replied 'no '. I then called JP Morgan Chase and spoke with a representative. They advised they were closing my account and would send a new card in its place. I advised this was completely unacceptable and I did NOT want a new card ; I wanted the account closed out for good as security within JP Morgan Chase is highly concerning. They went ahead and closed my account. When I mentioned to the woman that I have neither activated nor used said card which I 've had for just over a month, all she could tell me was " there have been a lot of data breaches going on ''. It is my firm belief that JP Morgan Chase is either : a ) completely unaware that they are experiencing data breaches of their systems directly, which hackers are stealing CC information from, or, b ) they are fully aware of this and are trying to keep it quiet. Either way, JP Morgan Chase has a *serious* problem that needs to be addressed immediately. Credit Card information ( maybe even SSN 's, etc ) is being stolen directly from JP Morgan Chase 's networks, and they are n't even informing their customers.
The collection agency ( Portfolio Recovery Associates ) is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful.
On Monday, XX/XX/2018 at approximately XXXX pm, I contacted Transunion regarding information reported on my credit report. I inquired that the score reported ( XXXX ) is XXXX points less than reported by XXXX ( XXXX ) and the other credit agency. I asked why is there such a gap. All three representatives I communicated with stated Transunion uses a different scoring system from the other two credit agencies. The system Transunion uses is XXXX XXXX XXXX that is a computerized calculated system. XXXX XXXX XXXX applies three methods to arrive at a score for each reported creditor ; 1 ) the numeric rate, 2 ) Reported Public Records ; it was informed that scores are dynamic changing daily per reported balances from creditors. However, none of the representatives could inform me of the mathematical formula applied in the XXXX XXXX XXXX system to arrive at the numeric rate that results in your credit scoring ; it seems to be a mystery. Also, when asked of the address to Transunion to write a compliant for the company to address ; no one could provide, another mystery. My personal financial information is being overseen by a credit agency that uses an unknown formula that provides to the world my trustworthiness. I was however, able to have a report mailed for my review. Yet, I am unsure if that task was done. I informed each of the representatives that Transunion practices is unethical ; the customer services is poor ; and the employees are incompetent of assisting individuals. The information reported from Transunion impacts lives ... the least the employees should know the formula applied to arrive at an individual scoring?
Dear XXXX, I am XXXX XXXX. I opened a Citigold checking account ( XXXX ) with an offer stating I would receive XXXX XXXX XXXX XXXX ( worth approx. {$500.00} ) after meeting certain criteria ( PROMOTION CODE : XXXX ). I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX miles to be deposited into my account by the end of XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 6 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 6 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. XXXX of people are in the same situation as me. I 've done XXXX searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. 

Thanks XXXX
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these items with all three credit bureaus. I sent the disputes off by certified mail.
I was in a process of buying a coop apartment. 
Here is my experience. 

XX/XX/XXXX I signed closing disclosure. Right after signing the closing disclosure I received an email from XXXX XXXX XXXX, XXXX asking me to wire the money ( cash to close ) to the title company. The emails were fraudulent. Emails were never sent by the mortgage company. 

XX/XX/XXXX I wired {$33.00}, XXXX ( cash to close ) based on the fraudulent emails from my XXXX XXXX account to the Title company account in Wells Fargo. Apparently it turned out to be a private account and not the title company account. 

XX/XX/XXXX I received a call from my transaction attorney asking me to go to XXXX XXXX and reverse the wire because money went to the private account. I was also provided with the phone number of Wells Fargo Fraud Department and the case number.

I called Wells Fargo Fraud Department from my XXXX local branch. 
I was explained that they noticed something was off and opened up a fraud case however didnt not stop the wire. The lady also mentioned there had been another fraud on the same account prior to me wiring the money. This is why they suspected something was fishy. 
Wells Fargo requested an indemnity letter from the XXXX XXXX to be able to reverse the wire. 

XX/XX/XXXX I filed a police report. 


After multiple conversations with the XXXX wire department my case was referred to XXXX XXXXraud Department. 


XX/XX/XXXX My case was approved by the legal Department of the XXXX XXXX and indemnity letter requesting to reverse the wire based on the fraud was sent to the Wells Fargo. 


XX/XX/XXXX Wells Fargo wired {$16.00}, XXXX back on my XXXX account. 
I received the response from Wells Fargo over the phone that the rest of the money ( {$17.00}, XXXX ) left the account and they were not liable for the loss. 


Since that time Ive had multiple conversations with different people from Wells Fargo Fraud Department including Vice President XXXX XXXX who explained to me that Wells Fargo were not able to do anything else and not liable for the loss. An official letter was written and sent to me. 


Id greatly appreciate if you could help me understand if anything else could be done to recover my money. I also feel very strongly that no person should go through such horrible experience. 

Thank you.
I've counted over a dozen phone calls from this company to my personal and work numbers in just two days alone ( XX/XX/18-XX/XX/18 ). They never leave a message so I finally answered today long enough to let them know they can no longer attempt to reach me by phone. I can not receive debt collection calls at work and am worried these calls are jeopardizing my work situation and am appalled someone would call this many times and never leave a single message. I am not sure what this could be in regards to, ( I even checked my credit report today to see if I am missing something which I am not ), but I am more than happy to work out any debt dispute via email or regular mail. 

Calling over and over and over like this, especially when you have to go through a receptionist to get to my direct line, is absolutely harassment and specifically meant to embarrass and intimidate. My next step will be to go to my state attorney general and report abusive collection tactics.
I was applying for a loan modification and was told to send in documents before 7 business days prior to foreclosure sale date. Documents were sent before the due date and my forms were not reviewed. I only received a denial letter of the modification XX/XX/2018 stating my application was not able to be qualified because they didn't have a complete package. A case manager told me my documents was received on time but not uploaded to my application. The documents was received with an extra day to spare.
Commonwealth Financial Systems, Incorporated XXXX XXXX XXXX XXXX, XXXX XXXX, PA they are a fraud company that needs to be shut down.
On XX/XX/XXXX I had an appt with Wells Fargo on XXXX XXXX to have my safe deposit box of 25 + years drilled into because I had lost my keys. The bank had also lost all records concerning my box including my contract and signature card recording any history of activity. There was much confusion among the WFB team in locating my box as there were so many boxes with the same number as mine. In fact when they thought they 'd located it I stated that it was n't mine as it was n't located in the main vault where I knew it was. They insisted and upon drilling open the box we found it empty. I was told that after the fact the bank drilled into 8 more boxes trying to locate mine. The bank personnel conducted an investigation for over 3 months. Mid-way during more than a 3 month investigation the district manager made an offer for my lost box and contents to reimburse me for the fees paid over the years and {$1000.00} for compensation. I refused the offer yet the bank took it upon themselves to deposit the paid fees into my account without my permission. I then received a call from the regional manager based on my insistence because the offer was completely unsatisfactory. I 'm sure he stated this debacle was indeed the bank 's responsibility. He further requested that I provide an affadavit of the contents ' value, to the best of my recollection, as it had been years since I opened it. He stated that the bank wanted to come up with compensation commensurate with not only the value but the situation. After the regional manager met with his team, he changed his position and claimed that the box drilled into during my presence was mine. Yet when I asked how could it be if he himself confirmed to me that WFB could not locate my box. and with his team they 'll work on a compansation hopefully to be satisfactory for me. He stated " it 's what it 's "
I received a copy of a XXXX phone bill in the mail via XXXX XXXX XXXX which stated that I owe an alleged debt in the amount of {$630.00}. ERC stated that the phone bill was a " validation of debt '' letter mailed to me in response to a dispute that I initiated with credit bureaus. A copy of a bill is a not validation of debt, under the FCRA I have the right request a contract from the original creditor that states I owe ERC this alleged debt. 

Account number : XXXX
after making XXXX XXXX dollar payments since XX/XX/2005. only XXXX XXXX has gone to the principal after 13 years. That is definitely wrong.
I 've had a car loan with Santander since XXXX XXXX. I stopped receiving statements around XXXX, but continued making payments above my monthly requirement. 
In XXXX I called to inquire about statements and what the balance on my loan was. They informed me that I was some {$1100.00} ahead of payments and the value of my payoff. They could not explain the lack of statements. 
I tried to get back into the pre-planned payment schedule but without statements, I was guessing. 
I made a payment on XXXX XXXX XXXX for {$250.00} and went about life. On XXXX XXXX I received a pre-paid debit card from Santander for {$250.00} for " overpayment '' on my car loan. I immediately reached out to them, but it was difficult to understand what was going on as all my information had been purged after my loan was " sold ''. 
I asked why it had been sold, and why I was not informed. Their response was crude and said that they did not need to inform the borrower. I asked if my payments had fallen behind and if such, why did they not advise me via some correspondence ( they have my email, because they contacted me after the call to make sure I was satisfied with my phone call ). They again said that they did not have to notify the borrower of anything and that most likely I fell behind and that 's why they sold the loan. They recommended I take it up with the company that bought the loan. I, obviously felt that it was ridiculous to complain to the new lender, since my issue was with Santander ; but it fell in deaf ears. They did volunteer that the loan had been sold on XXXX XXXX. 
They provided me the contact to XXXX XXXX. I contacted XXXX the following day. XXXX had no knowledge of who I or my wife were, nor did they have a record of my past loan with Santander. 
I called Santander back the next day. They insisted that my loan was now with XXXX. After much insistence they said they 'd research and that I should call back the next day. 
As requested, I called Santander, and once more they insisted that I try XXXX. After requesting to talk to a supervisor, they arrived at a new name. Now I should call XXXX. At this point I had very little confidence in the process that had been followed. XXXX recognized my loan, but told me that they were XXXX XXXX. Nevertheless, they could not offer me any information and requested I contact XXXX, who would be servicing my loan. 
I have reached XXXX and requested that they send me some information about my loan. I am worried that without proper paperwork, I may be making payments into a black-hole. 
How can Santander not provide me with any feedback of the status of my loan?
Ordered a tent and equipment rental from XXXX for an event XX/XX/2016 in XXXX, Wisconsin and paid with my WellsFargo debit card. XXXX was not able to complete the job appropriately as their weight system did not fit into the required XXXX space allotted at the show .The tent they installed also had rips in it. The tent also was installed incorrectly and had tears in it. I requested that XXXX return to the site to fix the problem. They stated that they could not fix the weight issue as it was a liability so they could not fix to fit in with my allotted space. ( see texts and photos from event essentails ) They stated - too bad, that they would just pickup the equipment. 
I filed a dispute with Wells Fargo including photos and copies of all communication. Wells Fargo issued me a provisional credit then did n't do anything and reversed the credit last week. I have requested for them to reopen the claim and find in my favor but they have n't responded
I have a best buy credit card. In XX/XX/XXXX i went to a best buy store in XXXX New York to buy a phone i got a phone for XXXX plus fee =XXXX i was told i need to spend over 400 dollar to get 12 months no interest. After two day the cell phone stop working ( the phone screen went blank ) i called the store. I was told to turn the cell phone off ten wait a few minutes to turn the phone back on. A few days later i had the same problem, i tries to return the cell phone and the store would not take it back. I called the credit card company and nothing was done. I open dispute with the credit card company three times and nothing has been done about this matter. Today i spoke to a customer service worker at best buy and i was told to call the company that made the phone. I did and i was told there is nothing they can do. I would appreciate your help, i had this cell phone for less than one week, i do not think i should be responsible to pay for this item. The store had 15 days grace period to return the phone, and i tried to return the phone before the 15 days and yet the credit card company do not want to refund the XXXX back to my account. I am currently in company, and i do not have that money. Thank you for your time and understanding.
Reviewed my credit report and found chase card reporting a balance of {$2800.00}. Please produce proper validation per FCRA regulations.
I live in XXXX, Louisiana. The local university due to federal funds has eliminated some degree programs. My XXXX degree in a poverty/low living wage state and XXXX of the most unhappy places to live in the United States. Collegiate education lender 's have hired a preditory attorney debt collectors to garnished my wages. Their fee has been added plus several other debt collectors. The terms is to end year 2021. I am stuck with a useless education, working in a state which provide living wages for a few and I can not pay for the systems traps that they lay for the common people.
Diversified Consultant has never that prepared paperwork for the collections before placing it on my credit file. I send them and certified letter and email correspondence request from such information to verify the debt such as contract agreement, charges, and payment history. I have not received any thing back from Diversified Consultants to verify that debt.
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
I did n't receive full refund of {$25.00} from XXXX XXXX XXXX XXXX. when closing card account, as the company was going out of business XX/XX/2017. I had phone confirmation with them, that I would be paid in full {$25.00} with no further fees taken out. I received a check in mail for $! XXXX. They took our fees. 
I made numerous calls to them, based now in XXXX XXXX they told me. They said no record of phone call and would pay {$18.00}. I received new card for only {$13.00}. I told them I could have spent/exhausted that final {$25.00} amount in a store but trusted them to return full amount. The company check to me, I have not yet cashed. This happened from XXXX to now. 
I want full refund. Can you help. Thank You. 
Companies on check XXXX XXXX XXXX. XXXX  XXXX XXXX, XXXX XXXX AZ XXXX & Payable THRU XXXX XXXX XXXX XXXX XXXX, XXXX, NE XXXX