WillisBack/dataset-financial-user-claim huggingface dataset:
I moved homes in XXXX and called XXXX to install an alarm system. The salesman came to my home and sold me an alarm. It was installed by replacing the exisitng alarm control panels with XXXX panels a few weeks later. I had signed a 2 year contract for montoring for a total of {$1100.00} paid monthly. After a few weeks.of use my wife came home and opened the front door and we found the alarm never worked when she open the door, as typically we came through the garage entrance. We contacted XXXX and they sent us an engineer who told us that the sensors in the front door werent working and we need to have then rewired. When the engineer checked the rest of the home and he told use that the whole house need to be rewired the alarm to work. The XXXX salesman came our house again and told us we would need to.spend a further {$2200.00} for wiring with fronts, side, patio, garages doors and window sensors. We complained that this should have been expalined ahead us signing the contract and so they sent us a 2nd senior sales manager to our home. He agreed that XXXX engineers couldnt have tested the alarm system on the initial visit and said he would discount the sensors and wiring to {$1700.00}. We respectfully declined the offer given we had all the expenses of moving to a new home. He told us that he would have the contract cancelled and apologized for the issue. A few months later we started to recieve bills from XXXX for alarm monitoring and we called several times giving our explanation and were told someone would be back in contact. Many calls and bills later, we found out that Sales Manager had left XXXX. Eventially we were presented with a demand for the 2 year montoring fee in full. We tried to raise this within XXXX but there customer service team has 1 escaltion route to another team that has no discretion, no power and simply stated we " signed '' a contract. XXXX passed this to Apelles LLC debt collection in XXXX after 4 yearrs of disputing the demands. Apelles were initally understanding of our postion, which we disputed within 30 days of them contacting us, and then we found they had registered a debt against us. Today, 4 years on, we still have the alarm system in place as originally installed by XXXX, still not working as proof of how they left us. Extremely frustrated at how companies like XXXX are allowed to treat customers with such lack of care and no mechansim to get to Senior people who would be able to listen and hear. Shame on you XXXX.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX

3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX
I submitted a request for Transunion, XXXX, and XXXX to remove all of my hard inquires which were unrecognized. I personally called each company that I asked to be removed and was quickly advised there was nothing they could do because I do n't have an account or account number with them. I explained to all 3 the only permissible reasons for pulling someones credit is a Firm offer of credit, Insurance, court order or employment. What Transunion decided to send me was a generic response telling me what inquires were which I did not request an explanation of what inquires were. The other 2 agency 's sent nothing!
Dear Sir, Madam, I would like to file a written complaint against Southeast Toyota Finance ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ), My Account # XXXX. I had leased a XXXX Toyota Highlander from the company. As my lease term expired, I decided to take out a fixed rate loan from XXXX XXXX XXXX XXXX to pay off Southeast Toyota Financial. I requested a pay off quote from Southeast Toyota Financial and explicitly asked for the various fees to be broken out ( {$350.00} lease termination fee, {$90.00} Doc. Fee, {$480.00} Estimated Property Taxes, {$1300.00} Sales Tax, {$20000.00} Residual Value ) instead of one everything burried in one final grand total figure. I called back several times to request a break down of the pay off quote. My rationale was to be able to proof to my CPA that Sales Taxes were paid ( which I can deduct for tax reporting ), and Property Tax payment was made. As you might know the property taxes for leased vehicle is paid by the lessor and subsequently charged to the lessee. In other words I need a proof of payment indicating that Southeast Toyota received my funds, so when my local Tax Collector calls me i have a proof. It turned out that I overpaid my property taxes approximately by {$50.00} to Southeast Toyota Finance. My new lender ( XXXX XXXX XXXX XXXX ) sent over the Odometer Statement along with the check for the pay off ( {$23000.00} ). I also found that the {$90.00} documentaion fee was burried in the small print on the back of the lease agreement. I truly think that the way Southeast Toyota handled this situation was very deceptive and unprofessional. I spend several hours on the phone and they promised that the documents and the refund check will be sent out. I recived no resolultion regarding my case. I am hoping that someone can escalate the issue and protect me from predatory lending as this. Looking at the way these leasing companies are luring people into leases is very deceptive : not disclosing fees the proper way, not educating the client about the terms and conditions. 
Your kind help is greatly appreciated. 
I can be reached at XXXX. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
nationstar mortgage company ( NS ) assumed our motrgage in XX/XX/XXXX and did an escrow analysis. this analysis stated we did not have homeowners insurance and added a monthly charge of {$34.00} for the cost of them paying for and securing insurance. On XX/XX/XXXX I called them upon recieving my monthly statement /mortgage bill and was told there was no insurance on acct and would have to provide insurance voucher and charge would be removed. I faxed insurance coverage and payment information effective XXXX and paid in full for the year ( {$390.00} ). NS acknowledged reciept of fax and stated they would remove after another escrow analysis was complete which would take XXXX15 business days. I called up on a weekly basis until XX/XX/XXXX and nothing was ever done to remove these charges which were accumulating as overdue payments at the rate of XXXX per month. I have been paying the origional mortgage amount but the insurance pmt has not been removed to this date. I should not have to pay for something that has already been disclosed as active, never lapsing and paid for. they stated they had to buy insurance for me but i have never recieved any insurance information from them, carrier, coverage, options etc. I have made 12 calls to NS for a resolution, spent 45 min per call and was promised it would be removed but as of this date it has n't. I do not want my credit to be affected by their inability to retract this fee.
Kay Jewelers is reporting erroneous derogatory information to all XXXX of my credit bureaus. Upon opening a Kay Jewelers account I opted in a insurance payment coverage protection plan offered by Kay Jewelers. I utilized my payment protection plan when I became unemployed & the insurance protection plan covered my remaining small balance with Kay Jewelers. Kay Jewelers reported this account as a charge-off with a {$0.00} balance & with the original creditor as XXXX XXXX. This is not accurate. I utilized insurance offered by Kay Jewelers which paid the remainder of my account well prior to this account being charged off or in any derogatory standing. Kay Jewelers failed to apply the insurance payment to my account after numerous correspondence that it would be applied and leave my account open with a {$0.00} balance. After several failed attempts to resolve the issue I learned Kay Jewelers submitted the insurance payment that was suppose to cover my Kay Jewelers account to an outside charge-off company, which is a breach of contract. Kay Jewelers is willfully reporting erroneous information to all XXXX of my credit bureaus. I will continue to document & utilize every resource to get this issue resolved. 
Account_Number : XXXX
Was denied credit increase and the denial letter did not state the reason to me that was correct. The denial used vague terms such as " substantially '' and was not true. Letter of denial stated that " Your average monthly payment has been too low. '' My minimum payment required has been from {$17.00} to {$140.00} and I have made consistently much higher than minimum payments in the amounts of {$150.00}, {$300.00} and {$450.00}. I have an excellent credit score and never missed a payment and on time. My complaint is that I do not believe the decision to deny me a {$2000.00} increase on my {$8000.00} credit limit was correct or fair. I was not given an adequate explanation by the Capital One Manager I spoke with - XXXX Employee ID : XXXX at XXXX ET on XX/XX/2017. Please help me understand why I was denied credit.
On  XXXX   XXXX ,  2017 , I was in the process of applying for a mortgage loan and  XXXX   XXXX   XXXX  processing department sent  over the VOA ( Verif ication of Employment ) which including my full name, social security number and address. The information was not sent to m y Human Resource conta ct but was sent via email  to a general email box that is only meant for " Inquires '' not for confidential. This email is monitored by over 50 pe ople in my company. So as of  XXXX   XXXX ,  2017  my personal information has been released. I was informed by this breach of confidential information by th e Vice President o f my company, which could have resulted in disciplinary actions. I have spoken with the president  XXXX   XXXX  of the company and he has only offered a 3 year credit monitoring plan.
Navient keeps reporting to the credit bureaus that I 'm 120 days late which is XXXX
On XX/XX/XXXX, I logged in to my Navient account to check on my Federal student loans. I noticed that Navient capitalized an interest amount of {$4200.00} on XX/XX/XXXX. This came without any notice. My loans have been in an in-school deferment status sinceXX/XX/XXXX,  and I am under the impression that interest on unsubsidized loans continues to accrue through deferment, but does not capitalize until the end of the deferment period. In my case, this is XX/XX/XXXX. I called Navient today to inquire about this  issue, and I was told by the customer service representative that it was due to a status change. I do not have a status change, because I am still a XXXX XXXX. I then asked if the interest is capitalized quarterly, knowing already that the answer is no. If interest were capitalized quarterly, then I should have had interest capitalize at the end of XXXX, XXXX, and XXXX. The answer I received was " ummm, yes ''. This does not make me feel very confident. This just adds to the list of the once a quarter phone calls I have to make to Navient due to something confusing they have done. The sad thing is, I 'm a XXXX XXXX in XXXX XXXX, and I still have trouble understanding what this company does. I feel bad for the tens of thousands of students and parents who do not have the specific education I have. I have attached the quarterly interest statements I have been receiving from Navient with their notes on interest capitalization.
This XXXX complaint is filed against my mortgage processor company making the following accusations:1 ) Pursuant to my complaint # XXXX wherein, on the CFPB Website, I received notice that the company had responded to my complaint, stating that : a. " Response : Company states that " We are continuing our review to complete a formal response. " 2 ) That on XX/XX/XXXX, I received a letter from the office of the President stating that I would receive a response by XXXX XXXX, 2015. 
3 ) That as of today, XXXX XXXX, 2015, I have not, and neither has the CFPB website received a response from the company to complaint # XXXX. 

I request that the CPFB take into consideration that beyond the above accusation, that the CFPB give due consideration to other actions taken by my mortgage processor during period surrounding the time of the last complaint, and other letters, I have reviewed by my mortgage company. ( Again, I state that I have not received a response from the company regarding complaint # XXXX ) Post my complaint # XXXX ) I subsequently requested additional information from my case manager - for the following information which I have not received : a. A copy of the NAV calculation. 
b. I requested a copy of the NAV calculation because it can not be correct, as no appraisal of my property was performed : ( a proper NAV would include an appraisal of my property. ) i. Evidence : I have recorded telephone conversations wherein, as I was concerned about the NAV. During a telephone conversation with my case manager, I was told by my case manager that the mortgage service processor " did not do an appraisal, but that XXXX had done the appraisal ''. ( In a telephone Conversation with XXXX, I was informed that " they do not perform appraisals on properties ''. ) In other words, the NAV can not be correct, as NO APPRAISAL of my property was performed. 

c. Additionally, on the same date, XXXX XXXX, 2015, I received another letter from my case manager ( one that is not contained in my complaint # XXXX, XXXX regarding the Homeowners Assistance Program Evaluation Summary '', In THIS letter it was stated thati. " Even though you have a hardship, you are NOT eligible for the Homeowners Assistance Programs listed on the Evaluation Summary '' 1. I was not approved for ANY Homeowners Assistance Programs especially and including : a. Pre-Foreclosure Saleb. Deed-In-Lieu. ( Why have the above basic rights of settlement been removed? ) What is interesting, is that in this Evaluation Summary, I am simply told that I am not eligible for any assistance programs ... NO EXPLANATION/s as to why I was not eligible for these programs were offered. NOT ONE! 

Pursuant to my right to appeal the determination, I received nearly a carbon copy of the same letter of XXXX XXXX, on XXXX XXXX entitled " DECISION NOTICE ''. This letter simply restates what was said on XXXX XXXX that, " I am not eligible for any Homeowners Assistance Programs ... .Homeowners Assistance Program Evaluation attached to this notice ''. 
i. NO PROGRAM EVALUATION WAS ATTACHED TO THE NOTICE! 
2. NO REAL REASONS AS TO WHY i WAS DENIED WERE OFFERED.
I have previously attempted to dispute several inquiries that are a result of true name identity theft, on multiple disputes I have provided a copy of the police report and TransUnion says this police report ca n't be accepted as it 's not " Real ''? This police report is directly from  XXXX  Police records and can be called in to verify that this is a fully accurate police report.
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The disputed inquiries are :   XXXX   XXXX   ;  XX/XX/XXXX    XXXX   XXXX   XXXX   ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX  ;  XX/XX/XXXX  XXXX  ;  XX/XX/XXXX    XXXX   XXXX    ;   XX/XX/XXXX   XXXX  ;  XX/XX/XXXX   XXXX   XXXX   ;  XX/XX/XXXX    XXXX    ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX   XXXX   XXXX   ;  XX/XX/XXXX   XXXX  ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX  XX/XX/XXXX  All these inquiries are a result of True Name Identity Theft, they are not my inquiries. I have attempted to send letters the listed companies, some replied needing additional information, I refuse to give them my social as I am a victim of identity theft and I am very cautious and careful of who gets my social. Some of the companies were not even able to find anything as to why the inquiry was run.
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Furthermore these inquiries are affecting my credit score.
Barclaycards wanted to verify my identity after I made a large purchase attempt with my Barclay Arrival Plus credit card. They demanded some very sensitive documentations, e.g. copies of SSN card, driver 's license to be sent. I sent those documentations to the address they provided and have n't heard from them for 35 days. I called in multiple times to try to solve this problem. But their customer relation team just rudely denied any alternatives and kept suspending my account. I tried to jump out of this frustrating mess by paying off all the balance on the account. And yes, they allowed me to pay them while keeping me from charging them. They are even going to charge the annual fee for the card that I ca n't use because they did n't allow a suspended account to be closed.
I have several XXXX XXXX Accounts. Today I Deposited {XXXX} via XXXX XXXX XXXX into my Account. I then needed to Change my Password and Address Update because it still had not been done despite my doing so several times. A CSR ( Customer Service Representative ) Politely Change all my Information and tried to send a Password Reset to my email and I did not receive. Upon Checking, she found out Fraud Department had Locked my Account. We contacted Fraud Department and they requested I fax copy of my SSN Card and Several Pieces of Mail showing my New Residence which I immediately did. I was told it should take 2 hours. After more than 4 hours elapsed I contacted Netspend again only to find out that the Fraud Department will be Closed Until Monday. They Took My Money, Pretended to Help Me, Lied about Unlocking my Card, and Now I can not access my Card, nor my Money, and can not reach anyone to assist me. They knew they were not going to help me yet had me completely verify all my information to 3 different CSR 's and 2 Supervisors and 1 Fraud Agent and I still can not access my Card nor get my Money. I need help PLEASE. Thank You. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On or around XX/XX/2015 I completed in online dispute with Equifax. I advised that I am not a Junior and provided a copy of my birth certificate and copy of my social security card. The information was changed to exclude XXXX but two weeks later after filing a separate action with CFPB on XXXX/XXXX/15 equifax changes my name back to include XXXX. I have advised Equifax on numerous occasions prior to this request that I am not a XXXX nor have I ever been a XXXX. This behavior has been consistent with Equifax when you challenge them about incorrect information. I have been denied credit due to my name not matching the credit file.
I refinanced my home mortgage loan with Quicken Loans back in XX/XX/2018. In XXXX I received a letter stating that my Escrow account was $ XXXX dollars short. Part of why it happened is they received notice from XXXX XXXX that I might be switching to a home insurance policy that costed approximately {$150.00} more than what I was paying at the time I took out the loan. I called Quicken to say that I was not changing my insurance and to question why there would be a shortage when my old home insurance did in fact go up $ XXXX, but the tax payment was exactly what was stated at the time the loan was taken out. It seemed and seems to me that they didn't give me an accurate account of what my monthly payment would/should be. The Quicken person said that they'd be reevaluating my escrow account and would send me a report- this said I owed them {$430.00} and my monthly payments would go up about {$40.00} a month. It seems like there was a misrepresentation of what I would have to pay since nothing has changed significantly since the time I took out the loan in XXXX. They either miscalculated or this is something they pull to further entice people.
XXXX XXXX notified me that a new collection had been added to my account, who is owned by Transunion.I was unable to file a dispute, donot know the reason.XXXX XXXX, bought my account from XXXX XXXX XXXX, who had already listed this account on my report, listed that I owe them {$590.00} in XX/XX/XXXX, XXXX has listed the same debt for the same amount of {$590.00}, which is a duplicate, of the same debt.I told them these account are duplicates and it is illegal to list them twice, and needs to be removed.All 3 of the credit should be notified, and take appropriate action.XXXX listed the debt on XX/XX/XXXX. 
I can not request a copy of my credit report online from XXXX, for years, because they have the incorrect security question.I have contacted them in regards to this matter, and it has not been corrected.They also ask incorrect question, in regards to my past place of resident. 
I contacted XXXX also, no response to date. 
There is also a debt for a payday loan, that I have written to these credit bureaus, multiple times, and it has not been corrected.I told them, I donot owe the amount listed, these people are rip-offs, and you pay them interest, and still have not paid the debt off.XXXX XXXX has listed I owe $ XXXX.They only lend me {$250.00}, and I paid {$300.00} for months .I donot owe XXXX XXXX any money.
The following complaint is against Gateway Financial Services at XXXX, MI for not sold a car in a commercially reasonable manner. 

I bought a XXXX Chrysler Voyage with approximated XXXX miles with auto lease from Gateway Financial Services in XXXX, XXXX. Having a financial hardship during XX/XX/XXXX-XX/XX/XXXX, I decided to voluntary surrender the car with Gateway Financial Services. At that time, I could not afford to make payments to the car. I surrender the car with XXXX miles in good conditions at XXXX, XXXX. The outstanding balance was {$8600.00} at XXXX, XXXX. 

After surrendered the car, I received a letter to notify me a deficiency balance for {$8500.00} because the car was sold by only {$510.00}. This is really suspicious since the car value was at least XXXX times more, and it represents 5 % of the outstanding balance at XXXX, XXXX. However, the problems do n't stop there because the company, Gateway Financial Services, sue me through the XXXX district court of the State of Michigan this XX/XX/XXXX for a value of {$13000.00}, where the balance was {$10000.00} and the interest accrued was for a value of {$3600.00}. Unfortunately, I was transitioning my home, and I could not object the garnishment on time. Nowadays, I had been garnished my paycheck for a value that is more than the original monthly payment with them. 
Having this troubles and do n't understanding how to deal with this firm, I approach to a financial coach associated with XXXX XXXX. He suggested me to made this complaint through the Bureau of Consumer Financial Protection because all the irregularities committed to Gateway Financial Services.