WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a 0 % XXXX transfer credit card with Capital One, I was planing on using it to transfer a credit card balance of XXXX. I was approved for XXXX. I called them once I got the card to make the transfer, I was told I had to wait XXXX days. When I called after 10 days I was told there was no balance transfer offer approved for me, this was news to me! I called back and spoke to a different person who told me I did have the transfer offer on my account, so I just made the minimum payment on my other XXXX. When I called back to initiate the transfer I was told again there was no such offer for my account. have a credit score in the neighborhood of XXXX, besides my mortgage this would be my only debt. I have a networth of of over XXXX, so not a highrisk customer. 
Because of there missrepresantation I ended up having to pay interest on my othercard which I could have avoided if Capital one had honored the offer I was approved for.
I had a previous loan, but with your help, I was able to make it the installment loan it was supposed to be in the first place. With it almost paid off, I was given the opportunity to add another loan. Come to find out later, that it would no longer be an installment loan, but the entire amount would be due and payable in 30 days. It was not necessarily the amount to pay back, but I thought it would continue as an installment loan. Upon trying to remedy the situation, I was told that as long as the balance remained above {$500.00}, it would be due and payable in 30 days after that I could make it an installment loan. I 'm willing to keep doing business with them, but I do n't consider this rule fair. Help! Now I 'm worried of what might happen to my car. I just had it serviced at XXXX XXXX XXXX for {$1800.00} and I ca n't pay that entire amount.
Commonwealth Finanancial is in violation of my rights. This is my 4th complaint to the CFPB. Commonwealth
has responded to each complaint in writing claiming that they will remove these accounts from my credit report.
After finally doing so from all three bureau 's, they have come back and put them back on my XXXX  credit report a week later.
By doing so they have damaged my credit scores tremendously I have not received any notice from them and therefore they are in violation and facing law suit.
Applied for a loan and was approved for {$1000.00}. I made a payment or two and now the loan balance is {$2800.00}. After several phone calls and emails they are threatening to turn it over to an aggressive collection account. I spoke with dept of banking of Montana and I was informed to close account due to the loan being illegal in Montana. Does this sound right what are my options?
Continental Credit Control claims that the creditor they are representing, XXXX XXXX XXXX XXXX, has placed my account with them for collection. They claim their records reflect that this debt is unpaid and due. I contacted XXXX XXXX XXXX XXXX billing and they have no record of this bill - it was from 7 years ago. They have no record of ever trying to collect on this bill. My health insurance at that time, XXXX XXXX XXXX, also has no record of this bill. There is no proof that this bill exists, and no proof that if it did exist, that in the last 7 years, XXXX XXXX XXXX XXXX did not write it off.
Written 2 validation letters and sent certified mail to XXXX  & Equifax regarding incorrect accounts ( XXXX, XXXX XXXX, XXXX ) reporting on my credit and never received anything back except my credit report. It has been more than 90 days.
Every couple of years I have to dispute the same lien. It was removed for inaccurately being reported in error by the state of Mississippi State Tax Revenue office. Due to upgrade of computer system which collected old business owners closed account information which put several people in a delinquent status. Which was incorrect. Since I had not lived in the state for 8 years the only way I found out was when my security clearance flagged my clearance. The lien was removed by Mississippi Tax office and lien was released. Two years later Equifax put the same lien back on my credit report cause me the same problem as if they can not look back in their records and discover it was removed. I never owed the State of Mississippi, I never had to pay for any lien and I feel that the credit bureau are pulling information from public records without regards to the circumstances. For the record, even if a lien was recorded in error by the State, and released due to their system error, they Will Not completely remove as if it never happened. They keep it for there records which is for their use which happens to be public record. It will not say to the credit agency the circumstances.
Re : XXXX XXXX Student Loan Provider : XXXX XXXX Account # : XXXX On XX/XX/2018 I contacted XXXX XXXX XXXX XXXX at XXXX regarding a Loan Forgiveness Program to inquiry if I meet the qualification for the program and was told that I did. I was told that {$49000.00} of my {$59000.00} student loan would be forgiven and I would only be responsible for repaying {$10000.00}. I was told that I would make 6 payments of {$190.00} and that my payments would decrease to {$40.00} thereafter to satisfy the balance of the {$10000.00}. I was emailed a copy of the Fee and Service Schedule to sign and my first payment was taken. 

From that point on I begin working with XXXX XXXX with XXXX XXXX XXXX at XXXX ( Toll Free XXXX ) who informed me that my Loans had to be consolidated through one of the approved Department of Education programs before it could be forgiven. Although I was skeptical I proceeded with the process because I was told this was standard procedure. I was told that the process would take 3-6 weeks. 

After my loans were paid off through XXXX, I was told that my new loan servicer was XXXX and notice that the total balance of {$59000.00} instead of the {$10000.00} ( I was told I would owe once transferred ). I immediately called XXXX XXXX and was told that in order for my loan to be forgiven I would have to pay 240 payments ( which is 20 years ) before my loan would be forgiven. 

As I expressed to Mr. XXXX, I feel that I was mislead and that details of the program were withheld to get me to change loan servicers. I would have NEVER consolidated my loan to wait 20 years for them to be forgiven. The total amount of my loans {$59000.00} have been placed on my credit. The Fee and Service Agreement I signed only has me repaying $ XXXX- which further supports the deceptive tactics used to get me to change lenders. This program does NOT benefit me and am asking that an investigation be open on XXXX XXXX XXXX XXXX and XXXX for fraud and false advertising.
I just returned from almost 2 weeks ' travel in XXXX. The practice is now common for handheld POS devices accepting XXXX ( U.S. ) credit cards to offer to charge the card in XXXX dollars or local currency. But the terms state a usurious exchange rate for the consumer who chooses U.S. dollars. Also, the ability to decline the exchange and use local currency is often not clear from the instructions : either the instructions confuse " decline '' the exchange rate with " decline '' the transaction, or they ask for multiple ambiguous verifications before allowing the consumer to decline the exchange rate. That said, the worst problem is this : The merchants often maintain physical hold of the POS device, even out of sight of the consumer, as at a restaurant, and the merchant ( unwittingly ) accepts the usurious exchange rate on the consumer 's behalf, thinking he or she is doing the customer a favor by employing the customer 's home currency. This practice on the part of the banks is abhorrent and allows them to reintroduce hidden foreign transaction fees through the back door. When the merchant consents to the usurious exchange rate, that is not my consent, but I have no ability to combat it. I have receipts from this trip to demonstrate money lost because of non-consensual currency exchanges. But I have no recourse against my own credit card bank, because it is not responsible for the device software. I have no recourse against the credit service provider ( e.g., XXXX ), because I am not in privity with the provider. Only CFPB action can put an end to this practice.
Hi, I sent {$470.00} ( included {$10.00} service fee ) to my relative in XXXX through Moneygram on XXXX/XXXX/2015, which makes XXXX XXXX. My relative in XXXX went to collect this money from XXXX of the authorized place and he was informed that it is already collected. I asked Moneygram about who took the money they never answered me with complete detail and put my money into investigation after taking some info regarding the transaction from me. Moneygram told me that it will take 90 days to give me answer. Whne I asked them that tell me from which place moneyis collected and what kind of id had beed taken while releasing money to the collector, provide me that info so that my relative can go there and fond out about the reality. Moneygram refused to give me answer. I sent this money to my realtive and it is not received by him.
Collector contacted me after XXXX on sunday XX/XX/XXXX at XXXXXXXX XXXX I received a call from Kohls XXXX regarding collection and I notified them they were calling illegally. This is the second occurrence. The prior incident occurred a week prior.
I 've had an old navy credit card for quite some time now. I 've never had a late or missed payment. I paid the credit card balance off which was {$140.00} and they closed my account. I feel as if this looks bad on my credit report. I 've been a very loyal customer.
Hello, My husband and I tried to use Experian to get our free credit score and report in XX/XX/2016. 

To use their free service, one must submit credit card number and agree to their free trial period, which can supposedly be cancelled anytime within the trial period without incurring any additional charges. 

However, when I tried to log on to their website to cancel my trial period, the website was inaccessible. Each time, my login failed, and when I answered all the security questions, those failed as well. Every Single Time. My social security number did not change, nor did my mothers maiden name. Yet Experians website claimed my answers did not match their records, so they could not access my account.

Subsequently, we have been charged every month for 32 months for a service that we neither desired or could even access. The charges started at {$21.00} per month, per person, but are now up to {$24.00} per month, per person. To date, we have been charged over {$1200.00} for a service that we never desired nor could access. 

When I finally called to request a full refund, I was told that I had agreed to all of this and a refund was not possible. 

Please force Experian to issue a full refund for my and my husbands accounts and also enact severe legal consequences against them for committing fraud against their customers. 

Thank you.
After disputing XXXX XXXX XXXX and provide supporting documents to XXXX, XXXX refuses to delete the collection account from my credit report. After filing a complaint against XXXX XXXX XXXX with CFPB, XXXX XXXX XXXX agreed to have the collection account deleted from my XXXX credit report. I have provide XXXX with a copy of XXXX XXXX XXXX deletion letter via XXXX document upload web site. XXXX stated they had received the deletion letter. XXXX stated that XXXX XXXX XXXX normally doesn't include an AUD control number on a deletion letter. XXXX  stated that XXXX needed to provide their XXXX rep with the AUD control number.
On Wednesday, XX/XX/2018 after XXXX, I contacted the company in regards to the delinquent debt and was able to negotiate a payment plan, and I had orally requested that they stop their harassing phone calls to myself and various other members of the family. They have been calling family that are not listed as contacts or have any connection whatsoever to the student loans owed. As of XX/XX/XXXX in the afternoon after XXXX, they did not cease their collection calls and called yet another family member with no connection to the debt. At this point, not only are they breaking the law, but they have been doing so for quite some time. If this is not resolved, I will be taking the appropriate legal action.
Disputed an ( Open ) Account # XXXX that, should be of a Pay Status of a Collection/Chargeoff Since, 2010. 

The Pay Status is Listed as, Current thus, effecting my Ability to Reduce my ( # of ) Open Accounts and Reduce my Rent Cost in Order to Pay Bills. 

Limit XXXX Balance XXXX
XXXX Report per privacy guard XXXX card # XXXX Limit of {$7900.00} This is acount is being reported wrong and illegaly per the FCRA and XXXX XXXX reporting compliance mandates. 

This alleged Charge off debt shall not carry a balance or High limit which is injurous to my credit score. and incomplete account number. Per FCRA all information reported shall be reported 100 % accurate or must be deleted. 

XXXX XXXX XXXX account # XXXX alleged collections account showing a balance of {$1300.00}. Which is again is being reported incorrectly and illegaly per the FCRA and XXXX XXXX reporting compliance standards.
This is what happened with me. 

- Posted an advertisement to sell my car as I am leaving country on XX/XX/2019 and found a tentative buyer ( Scammer ) who says he works for XXXX XXXX XXXX in XXXX, XXXX and is being transferred to XXXX, Ohio, US and would like to purchase my car as soon as he arrives. Also provided XXXX XXXX XXXX ID. 
- Promised me to send a check of {$1000.00} as deposit via his company as part of his relocation, so I dont sell the car to anyone. 
- Sent me a check of {$4000.00} instead of {$1000.00} and claims there was a communication error with this company and they have sent all the relocation amount to me and asked me to refund back the overage of {$3000.00} so he can book his flight tickets to US. 
- First I made sure I deposited the check on XXXX XXXX and funds were shown available on XX/XX/XXXX in my account which is when I initiated the process of refunding the overage amount of {$3000.00} through XXXX services of bank. 
- {$3000.00} sent to scammer and now I see the {$4000.00} check is being returned, which puts me at a loss of {$3000.00}. 

My concern is, as a general public who do not know the in-depth of banking process when I see the amount available in the bank it confirms me that the check has been cleared. 
Only then I felt that the check was cleared and I initiated the transfer of refund to scammer. After 2-3 days now I see the check is returned. I am sad because when something like this happens my bank did not communicate with me immediately via. email or phone when they realized the check has returned. If any immediate alert was given to me I might have been able to save atleast some money. 

Currently I have filed a police report and placed a dispute with my bank. There is a very thin hope that I might get my money back.
I was unable to make a payment to my Amazon.com Rewards Visa account due to their website not functioning in XXXX 2013 and let Synchrony Bank know what happened, after I paid for my account, which was right after it was late and the website was functioning. I want them to correct my late payment with the credit bureaus. I have tried to contact them but they have do n't have an email, their website is down again, and they keep disconnecting me via telephone. Please ensure that the late payment is removed from my credit report?
Deutsche Bank XXXX home loans, after repeated attempts to ask for a home loan modification due to high mortgage rate the bank kept refusing me. I submitted proof of hardships in ever occasion. My loan was bought by Deutsche Bank XXXX Mortgage from XXXX XXXX in XXXX. I lost my job and my income was reduced by over XXXX yearly. Todate this company has failed ot accomodate my hardship. I have owned my home since XXXX. I have been paying Deutsche Bank XXXX mortage the high rates of 9.75 %. I have filed for backrupcy to protect my home. I want lower rate and rembercment for years since first hardship sent XXXX.
I tried for over six months to modify my loan and in the end it was denied for excessive debt. I have an adjustable rate loan which is 2 % above current rates. They refused to even lower it to todays market rate which would have made the loan a lot more affordable. In addition, it is still an adjustable rate loan which can change every year. They did nothing to help me.
I have been receiving numerous calls to my work place from a man name XXXX who says he is with City Management Group. He says I owe a debt of XXXX dollars for " XXXX XXXX ''. There is no such thin as XXXX XXXX it is known as XXXX XXXX. I found it to be very " shady '' I asked him numerous times to send me a paper bill to my address which they said they did but sent it to an older address of which i have not lived for almost 10 years. They kept asking me to " Take care of it '' over the phone using a credit card and i said i was not going to give any personal information over the phone unless I have verification of the debt via paperwork. They would not oblige, and kept harassing my place of work and I am a police and medical dispatcher. They called today while I was dealing with a call and i told them to politely call when I 'm not on duty to which he says " I never answer '' but they never call after XXXX which is when I 'm still at work. I hung up after telling him i was busy at work dealing with a call and i hung up. He proceeded to then call me back requesting to speak to my supervisor which is me. I told him that over and over how this debt would be handled and he has not obliged and instead harassed me for the last month or XXXX. And keeps threatening me with " further action '' Yet no " further action '' has been taken. 
The number they are calling me from is XXXX which is in XXXX XXXX. I 'm in XXXX XXXX. Ive researched the number and most websites have listed it as spam and harassing. I do not mind paying a debt if it is real, but i have reasons to believe this is not a real debt especially after I refuse to give them my credit card which i do not have XXXX and he tells me to go buy a prepaid card and put X amount of money on it. 
If this is a debt that i owe I gladly would pay it, but there are easier ways of going about trying to collect a debt and this guy XXXX has not done so and has been very unprofessional, rude, and threatening. I have recorded lines proving so.
My husband and I bank with PNC and someone obtained his PIN number and made a fake debit card and took almost {$3000.00} from us all with atm withdrawals. We live in XXXX and this took place in XXXX. It was never stopped and we were never notified. I was under the impression they had 10 business days to return our funds temporarily while they investigate. Here we are day 10 after we filed the claim with no credit to our account. XXXX have been told they do n't know when the money will be put back onion and that it could take as long as 45 days all awhile they are incouraging us to use my husbands credit card which is of course through them and suggest that I open XXXX as well with them. We are very frustrated as we have a child and have bills to pay.
I 'm not sure who this Company is but I received a unauthorized debit on my credit card from this company.
I closed the account with citibank # XXXX exp XXXX/XXXX/XXXX name XXXX XXXX. XXXX and spoke to supervisor XXXX on XXXX/XXXX/XXXX at XXXX. central time. At that time XXXX told me that my recently paid fee of {$95.00} plus fees of {$26.00} would be credited back to my checking account since the account was closing. I verified that this would be the location of the refund since I can not use a " credit '' on a closed credit card account. To date ( XXXX/XXXX/XXXX ) I have received nothing and calls to them end in no one knowing anything. I want this money back in the checking account it was paid from.
On XX/XX/2016 unauthorized transactions was on my account. File complaint with claims department of chase. Call police department after getting home from work. File report with XXXX County police XXXX XXXX. Went to bank file complaint of unauthorized chargers on account. Temporary credit was given. Thought problems was resolved. On XX/XX/2016 XXXX chargers was place bank on account stating that there was no evidence of fraud. Sent more documentation to claims department, Bank refuse to credit account.
My wife received a bill from a collection agency. Credence XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX for {$110.00}. The payment was to be Remit to : Credence Resource Management LLC, XXXX XXXX, XXXX, XXXX XXXX. 
Name : XXXX XXXX Creditor : XXXX XXXX XXXX Creditor Account No : XXXX Credence Reference ID : XXXX Balance Due : {$110.00} XXXX nor I have had any XXXX service in over 2 years and never received any bill. Our Insurance covered that XXXX service at the time. 

XXXX XXXX XXXX
I disputed with the credit bureaus as well as XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX XXXX ) to validate and account that they claim belongs to me, they sent me a letter on company letter head stating that I owe the debt to the name XXXX XXXX. They have no other identifying factors to validate the debt. They are in violation of the federal and the state Fair Debt Collection Practices Acts by not providing how these debts were validated and no contract with a signature, not even an electronic signature. 

XXXX Account Number : XXXX XXXX XXXX A Account Number : XXXX XXXX Account Number : XXXX
My XXXX accounts with Barclaycard were closed on XXXX XXXX, 2015. I have been given next to no information on why, just vague statements like " due to terms and conditions '' or " bank policy ''. I have written a letter as instructed to request more information and received a very generic form-letter response with no additional information. I just spent over an hour on the phone with representatives and a supervisor and they were still unable to give me any indication as to why my account was closed. 

Since my account was closed, my XXXX points were forfeited, and even though I had valid charges eligible to be redeemed at the time the account was closed, they refused to allow me to redeem against them.
This is in regards to case # XXXX, XX/XX/2018 I sent complaint to Bank Of America through CFPB, received phone call from Bank Of America Regulartory Complaints team, On XX/XX/XXXX, received another phone call from Bank Of America Regulatory explained to me everything regarding my claims I had opened with Bank Of America, I also received via email a copy of everything we spoke about. From the conversation and letters I received I was thinking everything is solved as stated, however XX/XX/XXXX, I received a letter stating my claims was now resolved as of XX/XX/XXXX, however I called claims to tell them my claims was resolved back in XXXX. I was ask where did I received this letter from and to fax it over to the claims department, which I did on XXXX XXXX, XX/XX/XXXX, received another letter saying that my claim was resolved and the temporary credits for claim # XXXX and claim # XXXX on XX/XX/XXXX, I called again spoke with a lady name XXXX she said she was a supervisor I explained to her the claims was closed in XXXX by Bank Of America Regulatory department she stated that no the claims was never closed and we will be revering the temporary credit in the amount stated for the claims on XX/XX/XXXX, and I cant reopen and don't resend the letters because it won't matter, I told her I will resend the letters stating my temporary credits was permanent. which I did fax over was told they wont be considered the claims is closed as of XX/XX/XXXX, XXXX.I thought the claims been resolved in XXXX when I received the phone call and the letters.I am fighting XXXX and I don't have time to worry about this case because it was closed to my knowledge.