WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I applied for a Citi card because they had an offer for a {$250.00} statement credit to book a flight. I applied through Citi and not the airline. I called them in XX/XX/XXXX and told them that I didn't apply correctly and I may have to cancel the card and reapply to get the credit. I was told that I would still get the credit and I didn't need to cancel. On XX/XX/XXXX, I'm ready to book my flight through XXXX XXXX. I called Citi again to make absolutely sure that I would get my statement credit. I was told that I would get it. I booked my flight through XXXX XXXX using my new Citi card. A couple of weeks later on XX/XX/XXXX, I check my credit account and I don't see any credits. I call Citi the same day. I was told that I do not qualify for the credit. The agent said that they would file a dispute and I would get written notice in a couple of weeks. I received a letter on XX/XX/XXXXstating that I don't qualify for the credit because the credit is only for flights. I call Citi on XX/XX/XXXX. I was again told that I don't qualify for the credit. I was eventually transferred to a senior agent. She told me that if I found proof that I was offered the credit she would apply for the credit. I was very angry at this point. I threatened to cancel both of my Citi cards, but I did not instruct her to cancel either card at this point. I eventually hung up on her. I checked my account on XX/XX/XXXX as I was doing my monthly bills and I saw a message that my card had been cancelled. I called Citi the same day. The agent said that the notes said that I requested to cancel my card. I said that this is incorrect because my flight is next month and I'm sure that I wouldn't get my travel benefits such as preferred seating and checked bags free. He said that my card is cancelled and there's nothing he can do about it. He does agree that I should have received the {$250.00} statement credit, but it's too late to fix it now. I ask for his supervisor. He says that there's nothing he can do. I tell him to cancel my other Citi card as I want nothing to do with them.
I am incredibly dissatisfied with the way Bank of America has handled a disputed transaction of {$6900.00} to XXXX XXXX XXXX. This fraudulent Telemarketing Company conned me into paying them {$14000.00} for nothing. I reported this to Bank of America and provided them with all the information necessary to prove that the company scammed me and although it seems they have refunded the {$7400.00} they have decided in favor of the merchant on the other {$6900.00} citing that they " deserve to be paid for any services that were rendered ''. What this company sold me vs what was " rendered '' was nothing as they described. As far as I am concerned, this company did NOT render the services as described and Bank of America is allowing these thieves to operate. 
I have been informed by the XXXX, that I have the right to dispute charges like these using " Claim and defenses '' and I would like this to be properly investigated as such.
Applied for loan from Ace Cash Express. 
Ace sent a phony government check that XXXX Bank cashed and is now holding me responsible for the amount of the check.
I have disputed information concerning XXXX on my credit report to XXXX, Transunion and XXXX. I received an response from XXXX through this agency case # { XXXX } whom responded that this collection would be removed from my report. I want the XXXX credit bureaus to remove this information immediately.
In XXXX I was in a car wreck but was making payments on bills. I assumed debt was paid off. However about two years ago someone acting to know me called me at work when I noticed it was n't anyone I knew I hung up phone. I was servered papers by someone that was very rude and got me in trouble with work stating they where going to have a court date and begin garnishment of my wages however I was in college at the time and not getting paid for my work I was in a training position volunteering my time to gain knowledge of my profession. Creditor XXXX XXXX XXXX took my XXXX dollars of a student loan I was getting to pay for my classes I have records from XXXX to prove this fact and caused problems with my courses because they took my funding for college courses at XXXX XXXX XXXX which I also have records showing I was in college there from XXXX to beginning XXXX then I was at XXXX XXXX XXXX of XXXX XXXX to XX/XX/XXXX. I lost my position at XXXX due to harassment by creditors on business phone. I was recently highered by a collision center XX/XX/XXXX about two weeks ago I was served again garnishment papers which then also got me in trouble with my work that to is only a training program but I do get paid enough to pay for tools needed for my jobs duties. I missed payments on my tools due to garnishment and it 's causing problems at my work. For several month I received calls about this debt and still have them saved on my phone. I was not given any chance to defend myself either and talked to an attorney which said there is a statue of limitation on debt of 6 years however it 's been over 14 since. I hope something is done about this.
This company called me XXXX on XXXX within an hour ( XXXX, XXXX ) and XXXX times XXXX so far XXXX on XXXX XXXX XXXX, XXXX, XXXX XXXX. I have been at work today ( XXXX ) and the repeated phone calls are causing me stress that is interfering with my ability to do my job. I work on commission, so this stress is significantly affecting my income as well.
I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of business.
Received a Homestead Exemption and a XXXX Exemption back in XXXX 2016 form the XXXX County Tax Assessor 's Office, but Caliber Home Loans refuses to update my mortgage payment to reflect the decrease in my escrow account. I have called several times and was given conflicting information regarding the process. I was advised by a Caliber supervisor back in XXXX 2016 that the tax changes are automatically updated electronically ; however, today, XXXX XXXX, 2016 I was advised by a customer service rep that the homeowner is responsible for providing the updated paper work. The tax assessor 's office states that it is done automatically, but to the contrary the information has not been updated in my escrow account.
I found an unknown Bank of America account in my credit report at the end of XXXX. I contacted XXXX and try to dispute it. Then XXXX told me the result is accurate on XX/XX/XXXX. The unknown BOA account was opened in XXXX, and my first arrived in US is XXXX. I have no idea why both Bank of America and XXXX said the credit card account was belonged to me. I only have one authorized BOA credit card account from my wife. It was opened in XXXX and I checked the account number is different.
I open account with chase bank in Nevada I had over {$10000.00} in saving and small checking account over {$5000.00} aftera few checks. then I did not have any activity in my account. I let mymoney stay in bank with combined of checking and saving over {$14000.00} I was very busy to remodeling my future property forbusiness I decided to check my account for balance to open newbusiness account. I notice that chase bank was deducting $ XXXXfrom my account every month clos to a year. 
I called the bank. the said they can only give me Three monthsback not any more. go to branch and talk to them. 
I did as they guided me. but the branch did not do anything. 
I had no choice to close my account and lost {$500.00} to chaseBank even the employee first refused to give my money back. 
and close the account for because I told him that I am going tocomplain through face book, internet, any where I can and have myvoice to be heard. then he said now since you said that call thisnumber and get your money from them. I showed reaction. and toldhim you need to pay me now and I have no desire to have anybanking with chase at all. therefore I closed my account with $ XXXXlose and left the bank that supposed to keep my money safe. 
instead they stole my money. I like to know what is my option. 
Please Help.
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to XXXX but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX
I contacted CREDCO on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sent them numerous letters and had called them three times. They have refused to provide me VALIDATION in where I provide them authorization or any company affiliated with them authorization to review my credit. They have been sued several times for actions such as these. Please review all attached documents.
The week of XX/XX/XXXX I sent validation/ verification to XXXX  , XXXX , and XXXX because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX  so they were deleted from XXXX and XXXX. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX  couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.
I received a bill from XXXX but I have not used XXXX in at least 15 years, I have not even been on their site yet I received a bill for {$49.00} with no explanation. Obviously a scam. There are hundreds of complaints regarding Convergent/XXXX on " XXXX '' and other consumer sites where XXXX is using the same identical scam.
XXXX XXXX XXXX is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than me.
I have been disproportionately have been affected as a person of XXXX by the lending practices of XXXX  XXXX XXXX XXXX XXXX XXXX through receiving higher than and to a greater degree interest mark up comparatively to my XXXX  counterparts in getting the title loan.
unsuspected high interest. The past 2 months trying to get th
e interest reimburse.
I stated I have excellent credit to lower the interest charge.
My payment wa s ~ {$1100.00} a month from several loans totaling over {$100000.00} ( at the same bank ). I only  earned about {$20000.00} annually and could n't afford to make a payment with rent, food, and living expenses. My cosigner, my grandmother, could n't afford to help because she only earned social security that I was told only amounted to ~ {$800.00} a month.     After the bank soaked up my savings to pay these installments on time, I called them to negotiate a better loan payment that I could handle. I applied to hardship and we were both denied because " we did not make enough money ''. They instead insisted that I find a new cosigner to refinance my loans and that would lower the payment.     Sometime in XX/XX/XXXX  I got the loans refinanced with my parents as the new cosigners. This made the payment lower, but only to ~ {$900.00} a month. I moved back home to not pay rent and save money, but it rose over the course of time and is currently a t ~ {$94 0.00} a month. I still make only {$22000.00} annually and because my parents are also supporting my brother 's education and their own financial monthly payments, th e ~ {$940.00}  a month payment is too much for them to help out with.     So last month  (   XX/XX/XXXX   ) we  tried to work with hardship at this bank again, and today we were denied, but not because " we do n't make enough money '', but because " we make too much money ''. They told us they understand students ca n't make these monthly payments on their loans, so they are more interested in the financial income of the cosigners.     However, they do n't consider the monthly expenses of the cosigners or the borrowers. They look strictly at the income. My complaint is against this bank because they knew that my parents became cosigners on a loan that was n't theirs, without looking at their financial expenses, and assuming they could pay based off their income alone. They have n't been fair to us or our financial situation.
I recently had fraudulent activity with one of my checking accounts. Unauthorized use of the debit card was tracked to Florida. USAA Customer Service stated that the unauthorized user called and obtained information to access my online account. With information, provided by Customer Service, the unauthorized user accessed my online account and transferred the entirety of joint checking and joint savings to my personal checking account. While in my online account, the unauthorized user changed the withdraw limit and PIN number before withdrawing the entirety of my account balance via my personal checking from an ATM in Florida. It only took USAA about a week to return the funds, but now I have been locked out of my account since. They keep transferring me from one department to another, dropping my calls and every time this happens you have to start the whole phone call process over again. Now every time I call they tell me that a Escalation team member will have to call me back in XXXX hours to verify my identity. I have yet to have a call back and it has been about 3 weeks now that this mess has been going on with no resolution. I need access restored to my accounts immediately. I have late fee 's, over drafts, bills to pay, and a mortgage. I do n't know what else to do. This is causing XXXX on a XXXX veteran. Please help.
The was a loan on my account from XXXX that has incorrect terms that was never verified by Equifax, therefore the account was deleted from my credit file. However, it was re-added without any notice, justification, or how the investigation was completed. XXXX was to submit documents on XX/XX/XXXX to the credit agency to update my file of when the account should be removed. XXXX has n't honored the new terms from XXXX that are attached. My file has n't been updated to show accurate information about my credit history. I am requesting my credit file be updated to show the correct information or deleted in regards outlined in the FCRA.
In XX/XX/XXXX, I modified my home equity loan with Chase Bank and established a monthly payment system with them that would automatically withdraw my account for a monthly installment of {$490.00}. 

In XX/XX/XXXX Chase withdrew all of the money I had in my account ( amounting to {$2000.00} USD ) without notice or warning. After speaking with a representative, they informed me that their system had committed an error in establishing a payment arrangement and that the installment they were withdrawing was insufficient. They then demanded I pay {$60000.00}. 

As a result, my credit score has been severely negatively affected for complying with Chase 's agreement and are refusing to establish my score.
On XXXX XXXX, XXXX, Specialized Loan Servicing LLC confirmed that the balance on my HELOC was {$0.00}. On XXXX XXXX, XXXX when my Title Insurance Company requested a written estoppel letter, Specialized Loan Servicing, LLC realizing that I was selling the home, now falsely represented that a balance of {$77000.00} was due and that unless I placed that into Escrow, I would be penalized by not closing the sale of the home. I have send numerous letters, third party authorizations, and they keep orchestrating the fraud because they know that at the end of the month, the Escrow may be released.
A company named Deville Mgmt placed a debt on my XXXX credit report that is not mine. I do not know who this company is, nor have I ever owed such an outstanding amount. The debt listed on my report just showed up as a collections debt yesterday XXXX/XXXX/17 and states that it is from Deville Mgmt with an account number of XXXX, stating that this is the original creditor and the amount is for {$9000.00}.
I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than 90 and 120 days past due with XXXX and more than 30 days past due with XXXX. The Credit Bureaus including Equifax , XXXX, and XXXX are in violation of the FCRA.
I received a letter from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX AND THE CREDITOR IS US BANK AND THE AMOUNT OWED IS {$370.00} I NEVER OWED US BANK THIS MONEY BECASUE I REPORTED AS FRAUDULENTLY. ACCOUNT # XXXX. THIS IS AN OLD ACCOUNT. 
US BANK NEVER PLACED BACK MY {$42.00} THAT WAS CHARGED TO ME AFTER I SENT THEM A LETTER AND RECEIPT INFORMING THEM FROM THE PERSON OR PERSON WHO USED THE MY CARD. 
I REPORTED THE {$42.00} AS FRUAD. THEY REVERSE IT BACK TO ME. 
ALSO I REPORTED A CHARGE OF {$20.00} and {$23.00} as fraudulently. 
THE LAST XXXX WAS USED ON CARD NUMBER ENDING IN XXXX. 
THEY HAVE NEGLECTED TO REIMBURSE ME MY MONEY.
I purchased a service from them for XXXX, it did not work. I requested my money be returned. The wrong amount of money was credited to my account {$500.00} to much I was to send the excess back to them. Which I did by Western Union, tracking Number available. The amount that was returned my account was no longer in my account. This happened two more times. Their excuse was that I had used Western Union and should have used XXXX XXXX. I did used XXXX the last two times. So I have sent a total of XXXX dollar to them and the {$890.00} that was originally charger to accredit cardis being disupted.
The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. Section 808.. 15 usc 1692g talks about debt validation and i recently sent a complaint with the company they sent me paperwork and statemeny but it was not the original contract with my signature so its not validated also, they tried to get me to start over with this debt frame so i will not have the statue of limitations on this account
I read in the news on XXXX XXXX, 2017 that the credit reporting agency Equifax had an enormous amount of personal data stolen through a network hack. After checking the website Equifax provided I was informed I was most likely one of the individuals who had their data stolen. I have put a fraud alert on my account which causes massive problems being that we are about to apply for a home loan and have just recently purchased property. This breach will most definitely set up back several months at the least.
I bought a car from buy here pay here, I paid on the car for so long and was on time and they seen that I was a great creditor always paid on time and sometimes more, I was told that my long was being turned over to a bank, so I signed the papers thinking that that would help my credit but it was turned over to a finance company, my interest rate went sky High and turn to a upside down loan on the vehicle, then the vehicle was no longer drivable, as long as I was with the company they would fix it because they wanted their money, but once I was on my own with the finance company, I was stuck with a used vehicle that had been bought from an auction, It finally costed me a little over {$1400.00} to fix it and it costed me {$1400.00} to pay it off, so I requested that they come and secure their property there was no way that I could fix the vehicle and make payments at the same time so the best thing for me to do was to ( surrender ) relinquish the vehicle, they sold the vehicle for {$300.00}, I had {$800.00} worth of tires on the vehicle because I kept the maintenance up I want to road ready, brand new starter, brand new battery, all the whole works brand new rims, brand new rotors all the way around, they never contacted me to negotiate how we could resolve the issue they just sold the vehicle and I was stuck with the balance and I didn't sign up for my vehicle to be sold to a finance company I thought I was with a bank and I would have went the whole 100 with them.
On XX/XX/XXXX it was brought to my attention that my cars title was showing as lemon law manufacture buyback/salvaged. Upon further research is seems on XX/XX/19 the title of my car was transferred from my name to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX to inquire how this could happen as Im in a current lease and the car has never been sold. They said it wasnt their fault, but this puts me in a bad position of having possession of a car that me nor the lease holder are showing as owners. I can not drive a vehicle without proof of ownership yet am paying on a lease for a vehicle that somehow my title was transferred to a different party.