WillisBack/dataset-financial-user-claim huggingface dataset:
My car was financed with Wells Fargo Dealer Services. I had to declare bankruptcy after being diagnosed with XXXX XXXX. I continued to pay my car payment I did become a month behind I called them and told them when I could make the payment and they agreed to this. A couple days later I went out side to get in my car and it was gone repro. In the state of SC if your vehicle is repo you can not get it back. Because I had made the arrangements with them they allowed me to pay fines fees totaling about XXXX in order to get my car back. This was in XX/XX/XXXXor XX/XX/XXXX. Due to this process happening I refinanced my car with another company. Most interest paid car had about 2 years to be paid in full. When I refinanced of course my interest rate went from a 3.5 to 15.7 percent. People who become sick no fault of their own can find no help anywhere we lose everything.
Hello CFPB People, A solicitation letter advertising a mortgage is confusing to me. I can not tell if they are promoting a fixed rate mortgage or an adjustable rate mortgage or even basic terms of repayment. What do you think? I will attempt to forward the letter to you. 
XXXX XXXX
Dual Tracking and Foreclosure violation by Caliber Homes Loan. We applied for loan modification due to unemployment and underemployment before XXXX XX/XX/XXXX and more than 37 days from the XXXX XXXXXX/XX/XXXX foreclosure, sale date on my home. However, although, our modification process is still currently going on, Caliber Home Loans, has simultaneously, scheduled a foreclosure date for XXXX XXXX, XX/XX/XXXX ( now, roughly, 2 wks from today ). 
Please, Help Now.
I received a letter with XXXX XXXX on the envelope. My mother 's name begins with a XXXX I do n't know if whoever was suggesting something. I have never received anything like this before from the company.
I've paid all accounts in full and its listed on report as closed also my credit score has not changed in 3 months or more I contacted them several times but it still doesn't change credit karma is not reporting correctly
I tried to get a XXXX XXXX removed as well as 2 charged off credit cards which I had never opened.
Doctor was paid by insurance after they appealed due to 'out of network ' status. Doctor chose to accept insurance payment and write off remainder. I have statement from doctor 's office showing XXXX balance that I owe. Debt collector, however, apparently did not receive the settlement notice from the doctor 's office and is continuing to pursue the balance from me a year after doctor 's office accepted settlement.
I have been making payments to the hospital every month I have proof! They have collected almost XXXX from insurance and I 've paid over XXXX and they still sent me to collection. I 've received 17 phone calls in one morning! What should I do? I 've been paying the hospital directly
I made a purchase through XXXX which was cancelled out by the company due to product being out of stock. XXXX didnt credit the full amount back to account which led to interest accrual. My available balance is {$200.00} and my credit limit is {$200.00}. On XX/XX/18, I received a notification from my credit monitoring of a 30 past due account which knocked my credit score down over points. I called XXXX and they assured me this would be corrected and the amount due would be XXXX due to their error. This has not been fixed yet and is seriously effecting my credit score.
I signed a lease with XXXX XXXX  back in XX/XX/2017. Once the beginning of the year came around the dog was just not working out. My husband called them and was told that the XXXX payment was going to process and our termination fee would be {$1900.00} something but that each time we paid on time ( they did ACH payments ) that it would go down that amount. So we decided to wait a little while. In XXXX he called again to find out what to do and was told that it was down to {$1700.00} something. I said that can't be right but lets call back and let them know they made a mistake when we decide to get rid of the dog. We give the dog to a no kill shelter because that was the only option we were given- later to find out we could have returned to the breeder at no cost. then when my husband called, suddenly he was no longer authorized to speak with them. So I called and they could not find my acoount even though I gave all of my information. They transferred me to another company- after telling me what to do with the dog and fee 's ( the last conversation said {$150.00}. They told me I needed paperwork and when I got it it was the wrong paperwork.They were clueless about my account until I forwarded them a bill I received after I told them numerous times that I did not authorize another payment. They still went through and tried to take a payment which resulted in me having to freeze and close my account. Before that I was told the amount has gone down to {$1400.00} something. so it's going down with the monthly payments it should be around {$900.00} since XXXX but the story always changes. I request the recordings and was told I could have All of them if I escalate my complaint which I agreed to do. Then was told I can't have any of the recordings. They had told me I could make payments and then I couldn't and then I could. This is a huge scam and because I have been fighting for the truth they have decided that I owe {$1900.00} something again! It is ridiculous!! I would like to send the emails with all the inconsistencies if someone can provide me with an email address. 

( I can not attach documents but if I am given an email address I can show you all of the inconsistent correspondence )
Struggling to pay mortgage with a chapterXXXX which took most Of the abailable income. They added in a forgiven loan and virtually made it impossible to re-finance, as we were told by the company No matter what we made it wasnt enough! We lost it ( XX/XX/2018 )
Unbeknownst to me, my son ( XXXX XXXX XXXX ) took out a Parent Plus loan for online classes with the University XXXX XXXX. He attended class for a day and advised XXXX counselors he could not avail himself to attend anymore classes. XXXX ( or Sallie Mae ) sent him the remainder of the loan which he never returned. I reported the fraud to Sallie Mae and was advised to go to the police and file a report. I did so but for some reason, Sallie Mae representatives and the police department were unable to resolve the problem. Now I am getting the hit on my credit and made to pay the bill. FYI, the police has the fraudulent signature card which XXXX, my son, had submitted. Everything else was digitally signed. I have filed an affidavit to Sallie Mae stating the loan was not authorized by me. I would like this issue resolved and the loan taken off of my name. I will not pay for a loan I did not authorize, incur, or had knowledge of at the time it was taken out.
Agents from State Collection Service , Inc. ( SCSI ) have been calling once a month since XXXX regarding an account for which I already have a payment plan set up and am current on. Each time the agent calls I have requested a statement, confirmed my mailing address and have yet to receive any thing in writing from SCSI. After 3 months of requesting statements and receiving no written correspondence from State Collection Service, SCSI has added a collection account to multiple credit reporting agencies.
I have a business account with Citizen 's Bank on XXXX and XXXX XXXX XXXX in XXXX, DE whom I have been banking with for over eight years. Someone stole one of my business checks which they forged for {$5200.00} along with my signature. 
This incident happened in XXXX of 2016 which I have been disputing since then. I have spoke with several different managers and I filed a complaint with BBB. Never once did the bank offer any kind of assistance in this matter. 
The bank 's position was the check was not secured and they will not reimburse me for the money which they allowed to be drawn from my account. I am not happy with their decision, couple with the reasons that the bank has given for not reimbursing me are conflicting in the correspondence that I received. I see this issue as unethical to charge me for something that they should have safe guarded.
Credit bureau in violation of Metro 2 Compliance, also FCRA and FDCPA.
Did Wells Fargo pull a bait & switch by changing a 15-year mortgage to a 30-year mortgage at a higher interest-rate? Over the term of the loan, total interest payable was increased by {$160000.00}. It is a sad tale of nonexistent emails, lost documents, discovered exhibits, mysterious sentences, secret guidelines, disappearing taxes and bad math. Really bad math. Wells Fargo based its action on numerous misstatements of fact, having the effect of understating income and overstating debt in the critical debt-to-income ratio. More importantly, when Wells Fargo last month finally disclosed how it computed its final DTI ratio, it became apparent that the monthly amount it allowed for the 30-year higher-rate mortgage was more than sufficient to pay the 15-year lower-rate mortgage. Yet, Wells Fargo approved only the 30-year loan and denied the 15-year loan. While it is unclear whether Wells Fargo made these many mistakes out of intent or incompetence, it should quickly correct its now obvious error out of simple  fairness and to avoid acting in bad faith.
Back in 2011 my Notary sent an administrative process to XXXX XXXX XXXX using a Private Registered set-off Bond for XXXX. They never returned the negotiable instrument therefore it is discharged according to XXXX XXXX they refused the payment by sending me a frivolous letter. Then they transferred the mortgage to the current third party which is Select Portfolio Inc. SPS reinstated the foreclosure process and I saved the house by entering bankruptcy. Now I have sent another XXXX private forms of payment-an EFT check and an XXXX - ( also sent to IRS in XXXX KY XXXX. They did not return the EFT check-another example of XXXX, XXXX XXXX and Public Law 73-10 which states that institutions are not allowed to pick and choose what types of payments they can accept. By not returning my instruments these service companies can enrich themselves at the discount window without granting me credit on my mortgage. This would be considered Grand Theft. I demand that they release the lien on my property immediately and restore my good name.
Consumer Protection complaint through the AG # XXXX. 
Based on information obtained from Equifax, personal credit card limits have been reduced. As a result, the score reported by Equifax ( and sent to XXXX, and other reporting agencies ), has increased my debt ratio considerably. An example is a consumer card ( XXXX ) originally had a {$2000.00} limit. The charge on the card is {$1100.00}. Based on Equifax reporting, the limit on this card and others, has been reduced to the amount owed, consequently publishing a ratio of XXXX % utilization. 

" Your total credit card balance {$16000.00} Your total credit card limit {$24000.00} = Your credit card utilization XXXX % USAGE BY ACCOUNT XXXX XXXX XXXX XXXX XXXX % Balance : {$3000.00} Reported : XX/XX/2016 {$3000.00} Limit XXXX XXXX % Balance : {$4800.00} Reported : XX/XX/2016 {$5000.00} Limit XXXX XXXX % Balance : {$1000.00} Reported : XX/XX/2016 {$1100.00} '' Additional complaints of non-authorized addition to a XXXX XXXX account, goes unheeded.
For years I have been trying to fix errors. Nothing has worked. Even when I sent complaint to cfpb. Experian gets away with murder and nothing is done. On my report portfolio recovery has me for collection for XXXX $ still years later they wo n't send any info on an account that is not mine. Experian refuses to investigate again after they did XXXX time and company claims it 's mine. No proof at all just says it is. XXXX XXXX should read paid in settlement for auto loan. It was not written off. XXXX XXXX also reporting a debt I am paying off in a settlement. They refuse to investigate or correct errors. They will just send a letter saying we already investigated and will not again. This is n't fair and my credit is ruined for years.
My bank account at Chase was closed for no reason. When I ask why the account was being closed they said they reviewed and decided to discontinue doing business with me. The account was in good standing with funds in the account and a XXXX direct deposit. I had n't bounced any checks or have any overdraft fees.
My bank is n't reporting the transactions and funds available to my third party banking app  XXXX . I am requesting there be a change as it affects my ability to transfer.
Please investigate my late father social security number. It have been used sinc e 2012,  even though he have been deceased sinc e   XXXX   XXXX  ,2012.
The collection agency has received information from a dentist regarding an outstanding debt which does not belong to me.The collection agency was notified by me through an email, that the debt instead is owed by my son.Their response was the debt will be reduced, however, it does not address the fact that the debt is not mine and I did not cosign anything.The dentist office says its in the hands of the collection agency.
I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX XXXX XXXX XXXX XXXX XXXX credit card. XXXX XXXX XXXX XXXX XXXX is now called XXXX XXXX XXXX XXXX. My credit report shows XXXX XXXX XXXX XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX XXXX XXXX XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report.
I am unable to actually pay my bill, or my balance on the card that I have with Capital One. I got this card XX/XX/XXXX, and I have had several issues regarding Customer Service. As well as with the Fraud Department. I have verified everything I have ever needed to verify. As well as went back and forth between the corporate people at Capital One, and the Fraud Department. I have had to stop payments from going through to their company, because they absolutely refuse to offer a solution for this issue, or any of the other MAJOR issues I have had with this company. I can no longer speak to the corporate office, because they tell me my issue is a, " Fraud Issue ''. This situation has been going on for months, with no end in sight. My account is currently restricted, and the reason/reasons it is currently restricted ( even though proof has been given, as well as many phone calls have been made by my bank to this company ) they are not willing to budge in any way. Even after doing what was asked. I am always told a different story, and I am always connected from corporate to the Fraud Department. I have had nothing but issues with this company, and this card since I opened it. I get plenty of notifications that my bill is due, but why pay the bill when Capital One does n't even know what they are doing? As well as moving me back and forth between rude, and disrespectful people. They have caused nothing but hurdles for me. With NO-WAY to take care of these issues. All I end up with after I have spent almost 2-3 hours on the phone with these people is a pathetic apology. I need to speak with someone that can handle these issues without me being transferred all over the place. I refuse to speak to any more rude/disrespectful Customer Service OR Fraud Department people at Capital One. The past few conversations I have had with Capital One I have had people laugh at me in a mean way. I 've also had people yell at me, along with insult me. I have made several attempts, ( So has my bank ) to clear these issues up.
WFDS  -  XXXX  Tried to get late payment off of  XXXX  credit reports record because this account has been closed as a charged off for years and I am not liable.
Received Stop Release due to garnishment and company Union Adjustment XXXX. XXXX XXXX XXXX, Ca XXXX XXXX. Has submitted a new garnishement same case # XXXX. XXXX County, Superior Court ... XXXX Ca. The stop release was given back in XX/XX/XXXX and XX/XX/XXXX here they are again taking my money. Company I purchased a car from over 15 years ago refused to fix a broken computer chip. Had not been 3 months. So I did vouluntary reposession and I ended up out of money put down and car i used as part of down payment. And had no transportation. Now all these years later these people who I do not owe a dime are garnishing my check for the XXXX time ... Please make this stop.
XXXX company have multiple collections acont for the account from XXXX XXXX XXXX I Already pay the account and this company duplicate this account in my report and this affects Moro my credit
CB Merchants of XXXX XXXX California was contacted by XXXX XXXX, me, to ask about an " advertising '' debt that I wanted to pay. It was at this time that they said I had a debt with XXXX. I was surprised to find out that the account had been there since XX/XX/XXXX. I was not aware of the account. They never contacted me prior " me calling them. '' They also have an ex-wife 's name on the account who has not been associated in anyway with me financially sine XX/XX/XXXX. They were rude and have not provided me with an accounting. XXXX has not provided me with an accounting either even though I made payments to them and provided them with amounts, dates and check numbers. This is extortion.
XXXX XXXX, XXXX Equifax Information Services LLC To Whom It May Concern : Thanks for the help in correcting some of the adverse information previously reported on my credit report. At the moment I still have some pending accounts, on my credit report, that still need to be fixed. This is why I 'm still disputing the following items : XXXX XXXX I strictly recommend you to start an investigation about the prior delinquency date, creditors name, opening date and type of this account, It seems inconsistent, so do so or simply remove it from my credit history. XXXX XXXX I truly believe that you are committing an error on the account type and status, examine this situation or erase this negative information XXXX XXXX Bank XXXX XXXX Verify and certify the accuracy of this late payment, I really do not know why it is here, so please do so and make the corrections as needed. XXXX XXXX I request from you the confirmation of this collection account, I believe it has been reported by mistake, if so please provide me the whole documentation about it, or otherwise just delete it. XXXX XXXX I know for sure that people make mistakes all the time, and I believe this is XXXX of this occasions, because I have found some late payments that I believe are being reported incorrectly, so expunge all and make it positive. XXXX XXXX This account have information that apparently is incorrect, please verify the status, late payments and terms, and erase them. XXXX XXXX Perform an investigation over this information, I have found somethings that I consider are inconsistent, like the account status, terms, and opening date, If I am correct please proceed to fix it. Incorrect Name XXXX XXXX XXXX Incorrect way to show my name, please remove it and update it to the XXXX appear on my id docs Navient XXXX The status, terms and multiple late payments reported here must be verified carefully, they are showing negative information that could be incorrect and that is hurting negatively my credit history XXXX XXXX Perform a real investigation over this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX XXXX XXXX There is a 30 days late payment that I earnestly think is incorrect, so please corroborate this information and fix it. University XXXX XXXX XXXX I feel the monthly payment amount, terms and status should be verified, because I understand they could be incorrect please do your job and correct it. I also need you to please send me the information of whom you contacted during the investigation. 
Great Day! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX/XXXX/XXXX SSN : ***********
This is for XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX I paid off all of my loans in full in late  2015. Suddenly they are showing a {$0.00} balance on my account and have restarted my autodebit payments, and were about to debit for the full amount ( {$480.00} ). I had a long, very tense call with them where I was mostly on hold and they gave me a LOT of conflicting information. All they've done for now is suspend the one autopayment, but I'll need to do it again and meanwhile their system is still showing a tiny balance which they haven't corrected. I'm afraid this is going to balloon into a much bigger problem and I'm also worried about what other clerical errors they've made with my account and others.
I sent a XXXX scammer some money, he never sent me concert tickets. I know it was my bad. XXXX XXXX launched an " investigation. '' I filed a police report. The officer heard my story and said, " I bet you {$5.00} you sent money to XXXX XXXX XXXX account, right? For some reason, every scam I come across involves XXXX XXXX XXXX. '' Telling, right? 

XXXX XXXX responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank XXXX XXXX XXXX and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing XXXX could do and that the claim was closed. I 've asked them if they could verify that the stolen/illegitimate checking account could be shut down - XXXX says that is up to XXXX. XXXX will not discuss another account with me because I 'm not their customer. 

However, XXXX did tell me ( and I 've learned ) some interesting things. In the letter they said that my transaction was initiated on XXXX. It did. They also say that this transaction did not post until XXXX. This was after my dispute was filed and after they " opened '' their investigation. Fishy. They also write, " Please be advised that the token you provided did not match the name of your intended recipient. '' When I asked the supervisor why in the XXXX they would allow a transaction to proceed that did not match the name of the intended recipient, he told me that I did not understand " token based transactions '' and that this was perfectly normal and not a security concern at all. 

One more thing -- while researching XXXX and their security I found this thread from XXXX that is used exclusively as a marketplace for similar fraudsters and scammers https : XXXX This thread ( before it was edited to remove the content ) talked about how XXXX had XXXX security flaw whereas you could enter any mobile number to receive your verification code -- and the number would not need to match the one associated with your bank account. 

Bottom line : XXXX does n't take their security seriously. XXXX XXXX does n't care about it 's customers and XXXX  XXXX XXXX is a haven for scammers.
Dear Sir or Madam, I applied for  a Citi / AAdvantage Platinum Select World EliteTM Mastercard credit card (    XXXX   XXXX   XXXX   ). If I spent {$1000.00} in 3 months, I would receive  XXXX  AA miles. I did follow the requirements but I did not receive the miles.   XXXX  I would really appreciate if you can help me get my miles back.   XXXX  Thank you  XXXX
Hi Team, I was checking my credit report using XXXX portal and found that there are below hard inquiries without my consent or I am not knowing it : 1. XXXX Inquiry from XX/XX/XXXX2. XXXX XXXX - Arizona Inquiry from XX/XX/XXXX 3. XXXX Inquiry fromXX/XX/XXXX 4.XXXX Inquiry fromXX/XX/XXXX 5. XXXX XXXX XXXX C Inquiry from XX/XX/XXXX I want to dispute these and have them removed from my reports.
I received an offer from Citizens Bank for {$500.00} to open a checking account. I opened the checking account, met the offer requirements, and then waited for my bonus. Citizens has never paid me the {$500.00} bonus, citing " internal reviews '' every time I go to the branch to ask about the bonus or follow-up on payment. Meanwhile, I 've been charged {$20.00} per month in service charges while waiting for this bonus for approximately 8-9 months.