WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX, has been for XXXX years. My telephone number is XXXX, has been for 19 years. My name is not " XXXX XXXX '' and I do not know a " XXXX XXXX. '' Not sure about " XXXX XXXX, '' but my credit score is XXXX according to XXXX. If Weltman , Weinberg & Reis ever did their homework or even could read their own handwriting, they would realize I am not " XXXX XXXX '' and XXXX is not his number. 

But they have n't or ca n't, so I keep receiving nuisance calls to XXXX in their efforts to dun " XXXX XXXX. '' I have called XXXX and left messages that I am not " XXXX XXXX '' and XXXX is not his number. Yet I continue to receive their automated calls at least once a day, usually around XXXX
I have been a customer of American Express for over almost 30 years and i just noticed that I have a 30 day late payment reported to the credit agencies from XXXX ' 2012. I have never missed a payment from this account.
I have been receiving no less than three calls a day from the same company they never leave a message and when I try to call them back there 's no one speaking XXXX for me to talk to and I get hung up on. I think it may be someone who 's trying to collect for Debt but I do pay my bills. Also, I think that because of the incessant calling it must be a collections call but its ridiculous because they do n't even leave a message.
I never opened up a credit card in name ever and I am not sure why they are on 2 of 3 of my credit report.
I contacted Shell Citibank XXXX XXXX. I called customer service. I asked them about a credit limit increase if it was a soft or a hard inquiry. I explained I was going to go for a major purchase and I ca n't have any hard inquiries on my credit. They said they could not answer this question. They said since you have a fraud alert to fill it out online and they will contact me before they pull the credit whether its soft or hard. This did not happen it was a hard pull the next day. I spoke to several supervisors the XXXX XXXX I spoke with said it would take up to 10 days to remove it. This did not happen. I dealt with citi executive response I spoke to a woman named XXXX XXXX she can be reached at XXXX. She did nothing at her level to resolve the issue. She said because I filled out online with my income what I was told to fill out by customer service. That I authorized my credit to be ran. She did nothing to address the negligence and incompetence of the company representative misinforming me. She does not even care I might be denied for my large purchase because of this inquiry. I think this is a very dirty tactic that they play. I have allready filed a complaint with the ftc also. I am sick and tired of companys not being held accountable by people who work for them and misinform customers. Everything was all done over the phone. My credit was pulled once through XXXX. XXXX no longer allows you to dispute through the credit bureau only with the creditor.
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. I would like you to investigate my charges on my card made by these fraudulent companies : XXXX XXXX XXXX and XXXX XXXX. I got contacted by these companies by unsolicited telemarketing phone calls and they promised me a profitable at home business. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. It is clear that they never intended to fulfill their end of the deal. They did not provide the services I was sold.
I was flying home on Frontier Airlines on Friday, XX/XX/XXXX where the airline representative informed all passengers of a special credit card offer that if you applied while in air you got XXXX additional bonus miles to the XXXX mile offer that Barclay 's was underwriting after XXXX purchase on the card. Both my husband and I filled out XXXX separate applications and were hesitant about handing to airline rep because it contained all of our personal info but she stated they had to mail to show the customer applied while in flight to qualify for extra XXXX miles. After 1 month lapsed my husband received approval and a new card in the mail and was satisfied. I on the other hand never received the card nor denial letter. I called Barclays and they had no record of my application. My personal information had been lost in transit from airline to bank. This open me to identify theft, etc. I am not happy nor pleased. I filed a complaint with Barclays but they do not seem to care and I do not feel the process is right to give a full application to an airline employee to submit for additional miles. I want to be contacted to discuss further.
BSI Financial has not fully answered questions, notices, requests and concerns brought up by me and my attorney. My attorney has requested several times that all sale dates for my property cease while we look into BSI 's responses to my initial concerns and that they provide proper documentation of their alleged right to foreclose. But they have not stopped foreclosure proceedings or stopped the sale date. I have brought up concerns regarding defects in the chain of title, assignment of the deed of trust with the wrong information, robo-signatures on several recorded documents, however BSI will not respond to these concerns. My attorney and I have asked that ALL foreclosure proceedings and sale dates cease until ALL MATERIAL VIOLATIONS THAT HAVE BEEN DETECTED ON ALL RECORDED DOCUMENTS BE CORRECTED.
In XX/XX/XXXX I cancelled my Auto Insurance Policy with XXXX and obtained XXXX as my auto insurance holder. XXXX was notified of the cancellation and indicated no charges were pending. In XX/XX/XXXX, I became aware a collection was placed in my name through the credit reporting agencies indicating a balance of {$380.00} was owed to XXXX. The collection agency is XXXX XXXX   XXXX ( XXXX ) based in XXXX, MA. I contacted XXXX on XXXX XX/XX/XXXX and spoke with a representative who indicated if I provided proof of coverage prior to XX/XX/XXXX, the charge would be removed. XXXX provided a XXXX Page indicating auto coverage began in XX/XX/XXXX. This information was passed to XXXX who replied to me via e-mail on XXXX XX/XX/XXXX that the charge was dismissed and the collection would be removed. I noted the collection was removed in XX/XX/XXXX only to return XXXX months later. I became aware the collection had returned after seeking financing on a purchase. I contacted XXXX XXXX XXXX on XXXX XX/XX/XXXX and provided copies of the e-mail correspondence with XXXX dated on XXXX and XXXX XX/XX/XXXX. Their representative indicated the information was insufficient and requested the XXXX XXXX Page. I submitted the XXXX XXXX Page on XXXX XX/XX/XXXX. It is apparent through conversation with the XXXX representatives they did not regularly check the status of this collection to see a zero balance reported by XXXX. I initiated a conference call with XXXX and XXXX on XXXX XX/XX/XXXX to resolve the issue, but the XXXX representative and the Supervisor of that representative were resistant to make changes to the account even though overwhelming evidence was directly at their fingertips and the XXXX   representative stated no pending balance was due to XXXX.
After the death of my husband XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over XXXX year and XXXX months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.
OCWEN Loaning Servicing bought my mortgage last year. They are force placing an additional flood insurance policy that costs {$2200.00}. I already have a flood policy through my HOA.
Applied and was approved for a Bank of America Cash Rewards credit card early XXXX. 
Noticed today i was unable to login to my online banking account. 
I noticed this without receiving any prior notification from BoA. 
Had to call the Account Closures team to learn that my account had been shut down as a " business decision '' by Bank of America. 
I have XXXX dollars in cash rewards from using the card as a sign up bonus. This cash reward was also taken back by the bank.
I 'm a victim of identity theft, and credit monitoring/freeze by XXXX has proven ineffective. 

I recently found {$5200.00} worth of charges to a banana republic account that I have n't used in years on my credit report. I called XXXX to report another case of fraud and they called Synchrony Bank, but they were unable to successfully dispute charges or help. They left it to me to call Synchrony Bank at a later time and request statements ( all statements ) of charges so that I could dispute them as fraud. XXXX did confirm with Synchrony bank that a flagged fraudulent address had been issued a replacement card and was incurring the charges. The same fraudulent address in XXXX CA that has been the source of my many issues. Despite this, Synchrony bank would not give information/release the statements. 

I called synchrony bank to get the statements, but because the identity theif 's address and phone number ( which I do not know ) are tied to the account, they would not send me copies of the charges. 

I 'm in a difficult position where : 1. Synchrony bank knows fraud has happened, and has confirmed this with XXXX. 
2. XXXX is unable to help me until I have all the fraudulent statements AND 3. Synchrony bank will not send copies of the statements to me because I do not have the security information the ID thief put in place. 

Summary : Synchrony Bank & Banana Republic would like me to pay them {$5300.00} for a bill they ca n't show me.
I filed a complaint agains t Wells Fargo w ith CFPB on  XX/XX/XXXX  about their  XXXX  discrimination for a two month Deferment while I was on medical leave and they would n't provide assistance for  XXXX  medical leave only if I was physically at my job before my complaint and still after their response to my complaint.   When I submitted my final response letter to their counter response, I included a CEASE & DESIST from all telephone contact which is still on file with CFPB, They attempted to call once right after that in late  XXXX  which is their right by law, however They started calling again in  XXXX  and continue calling me.  XX/XX/XXXX  is the first time I have become one month past due on my loan, due to loss of employment, but they called me on  XX/XX/XXXX  and left a message,  XX/XX/XXXX  and left a message,  XX/XX/XXXX  and left a message, and  XX/XX/XXXX  no message left. Like I advised before, do not contact me by telephone, email  or US ma il is fine, however I have not received any written contact from Wells  Fargo Auto Finance  at all just these calls. I do not wish to be called ever. My loan history will show that my pay history has been perfect until now. I am not just suddenly going to stop paying my loan, I am waiting for unemployment to kick in at which point I will be paying again. Again I do not wish to be contacted by phone and should not have to provide a seco nd Cease and Desist req uest in writing again!
I, like 143 million other Americans, found out today that my personal data, including name, DOB, address, SSN, etc. were compromised in the Equifax security breach. It is unacceptable that the company is offering only one year of credit monitoring as recompense for this mistake. This information can be sold and is just as valuable fifty years from now as it is tomorrow.
I have a car lone we are late on it we talk to them once or twice a week they keep calling us in between the calls they call our references our references want them to stop and they wo n't
I was misinformed for over 3 years by Navient regarding the payment plan I was on. They told me that my payments qualified for Public Interest Loan Forgiveness and recently told me that the payment plan I was in did not count towards that program.
I have been in a dispute with Paypal for almost 1 year. They keep saying that they paid me but have not.. XXXX XXXX, Operations Counsel keeps sending information which does not show that the money they say they returned to my pay pal account. XXXX XXXX, quit sending useless spread sheets. I previously sent you a copy of My Paypal account. I do not see any of the transactions you claim you made putting the money back in that account. Either 1 ) you are not a very intelligent individual, or 2 ) you are trying to smoke screen me. I want you to send me a copy of my Paypal account and show me where the money was put in that account on the days you said you put it back. Do you want me to send our correspondence to the entire Board of Directors, to show them how much time you have wasted of mine and yours over such a small amount of money. Why are you making this such a big deal? I know Paypal has been the defendent is a similar class action suit before, do I have to take it to that level. I will. It's a shame that a big corporation like Paypal treats a XXXX XXXX Veteran like this In addition, you keep saying you will not reimburse me for my certified mail. I don't care what you say I agreed to, I would not have incurred those cost if your customer service people would have handled this thing correctly from the beginning, I also want {$1000.00} for the anxiety you have caused me.If you don't get this straight this time I will notify the Board. I want this settled once and for all.
On Wednesday, XXXX XXXX, I checked my bank balance on my phone through the bank 's app. I saw a balance of {$200.00}. After seeing this, I proceeded to make purchases on my debit card. The following day I received an email notifying me of an NSF fee that had been deducted from my account. I checked my account online only to realize that our balance had been $ XXXX when I checked it on the app. ( There may have been parentheses around my balance which were the only indication that the account was overdrawn on the app. This did not register with me as a negative balance. ) By this time, there were XXXX {$35.00} NSF fees. I called my local branch and was informed that I would need to speak to the branch manager but that she was in a meeting. It was suggested that I either call back the following day or contact a toll free customer care number. I immediately called customer care, and had XXXX of the fees removed but was then informed there were XXXX more being added for a total of XXXX. The customer care rep informed me she could only do a courtesy credit of XXXX fee per year. We have tried to negotiate these fees with the branch manager since then, but she does not seem able to help us though she continues to try. We were not aware that when we opened our account we had allegedly agreed to " overdraft protection '' which was why our debit card was not declined at any point after we were overdrawn. We do not regularly run our account down to XXXX. A purchase made over a month ago, came through very late and unexpectedly. We were always under the impression that in the unlikely occurrence that we were ever out of funds, our card would merely be declined. Since this happened I have opted out of this " protection '' regarding my debit/ATM transactions.
I have outstanding debt to AARP Chase Visa Credit Card in the amount of {$14000.00}. I am an XXXX XXXX who I recently lost my life partner of XXXX years and XXXX adult daughters. XXXX of my daughters left me to care for my XXXX granddaughter ; and the other daughter had serious health issues which resulted in financial debt, which all ultimately became my sole responsibility. Rather than allow my recently deceased daughter to live in the streets because she was destitute and out of work, I took her in and paid most of her expenses until her death on XXXX XXXX, 2015. I am willing to pay my debt ; however, I feel I am being unfairly treated by Chase and harassed by collections phone calls. I feel that Chase has discriminated against me due to my age because I am XXXX, on a fixed income, and receive public assistance. Although I am willing to pay my debts, they will not work with me to establish a reasonable payment plan for my current income. Furthermore, they know I have no immediate family to help me understand my liabilities and the Chase calls have been both confusing and misleading to me. Chase has been purposely trying to get me to verbally agree to something I can not possibly fulfill for a monthly payment. I also feel that Chase has treated me unfairly because they have been harassing me with collection calls, even though I have opted out of phone calls. Because of the harassing calls from Chase, I felt pressured into finding a financial solution ; and as a result, I was scammed by a debt consolidation company, leaving me further destitute. I reported to Chase that I was the victim of a credit consolidation scam by a company called net Debt. They led me to believe they were debt consolidators, not debt negotiators. They promised to pay my creditors off in XXXX years but all they did was take my money and left me with nothing. All Chase has done was continue to harass me by their relentless phone calls XXXX times a day including Saturdays and Sundays, even though I opted out of phone calls. Being treated by Chase in this manner has caused me even more stress and anxiety. Additionally, XXXX is fully aware of the fact that on my current income I can barely afford to put gas in my XXXX old XXXX ( which my daughter had an accident with before she died ) There was {$11000.00} damage done to my car by another driver who chose to go through XXXX stop signs and hit her. She was driving safely and only going XXXX mph., while he chose to ignore the traffic signs and did not drive safely. I do n't have enough money to feed myself or go to the doctor for routine checkups, let alone afford to make outrageous amounts of payment to Chase as well.
BAIT AND SWITCH CREDIT CARD OFFER BY Fidelity Investments & Elan Financial Services Took advantage of a Visa card offer on Fidelity web site noting a 2 % rewards credit card, coupled with a XXXX point ( {$100.00} value ). Account opened without issue, card received, but never received the XXXX bonus. Several attempts to correct via written correspondence and two telephone calls with Elan Financial pushes everything back to a 'live ' phone call. Final call made on XX/XX/2016 to Elan Fin @ XXXX, spoke with a supervisor named XXXX, and she noted as their was no promotional code attached by the system with my account opening, I would not be receiving the promotional offer. The offer, if still up on the Fidelity investments website, is at this URL : XXXX. I was still active as of XX/XX/2016 @ XXXX. When asked why they ca n't research what promotional offer was actively run on the Fidelity Investments web site at the time the account was open, the rep kept referring to the account opening code statement ... I also know that apparently other customers are having a similar issue with not getting the appropriate credit ... This is a classic example of Bait and Switch if I 've ever seen one.
I reached out to PORTFOLIO RECOVERY ASSOC XXXX/XXXX/16, requesting verification of a debt. Today is XXXX XXXX, 2016 and I have yet to receive any verification.
I have paid off my loan but have not received my remainng escrow funds. I paid the loan off on XX/XX/XXXX and it is now XX/XX/XXXX. Per Bayview policy, I am to have my funds " forwarded to me 21 days after the payoff date ''. After ( 2 ) phone calls I was told it was mailed on XX/XX/XXXX ( which is past the 21 days as well ) but that it would take " up to 21 days to get to me in the mail ''. This is alarming as no mail takes 21 days and for the company to make such a statement should be looked into.
I have entered into a settlement with this company. I have 2900.00 remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last XXXX payments. Which is for XXXX each for XXXX more months. I need this account removed. 

Thank you
I recently closed on a new house. The builder recommended 'Supreme lending ' as the lender of choice. During the process, I was only provided options to get the mortgage that involved buying points, e.g. 4.75 % 7 yr. ARM with {$1100.00} towards discount points. I was told that there are no mortgage options without points. While signing the closing documents I saw a document ( Discount point fee disclosure ) that listed the mortgage rate at 4.85 % without points. I was never given this option even when I had asked the loan officer. I would like you to please review my mortgage application with Supreme Lending to check of disclosures were sent at proper times and why they neglected to provide me with an option without discount points.

Also, the interest rate offered was pretty high. I was able to negotiate much better rates from other lenders. But going with other lenders meant that I would have to bring XXXX more at closing ( within a month ) as I would not be getting builder credit. I believe this is used as leverage as arranging XXXX extra is not something that every individual is able to do. I am not sure if offering higher interest is breaking the law or is just unethical practice in this case?
I lost my Netspend Debit Card back around XXXX 2016. I then discovered that XXXX unauthorized transactions were made. I immediately contacted Netspend Customer Service. The lost card was deactivated and an " investigation '' by Netspend began. I was informed by Netspend on XXXX XXXX 2016 that I will not be refunded the unauthorized transactions! They gave a lot of double talk as to why they made this decision, but at the end of the day, that money was stolen from my account, and the money is not Netspend 's but mine. 
So, I called the Customer Service number, and asked to speak to a Supervisor about this claim. I made a total of XXXX calls to Netspend. Each time I spoke to the Representative, I had to explain this claim, then they attempted to connect me to a Supervisor which never happened. 
XXXX XXXX @ XXXX-was on hold for 52 minutes XXXX XXXX @ XXXX, on hold for 10 minutes XXXX XXXX @ XXXX, on hold for 3 minutes XXXX XXXX @ XXXX, on hold for 21 minutes XXXX XXXX @ XXXX, on hold for 34 minutes Note, again, that I never got through to speak to a Supervisor about this claim. I have been in the XXXX for over 18 years ( XXXX ), and this ranks in the top XXXX, the worst way to handle a Customer Compliant. 
The sad thing is the amount is only {$250.00} that needs to be refunded, and the transactions were not authorized by me. Last, I placed a call to Netspend ; s Corporate Office on XXXX XXXX, 2016, but had to leave a voice mail message!