WillisBack/dataset-financial-user-claim huggingface dataset:
i obtained an XXXX XXXX Citibank credit card XX/XX/2015. A small charge of about XXXX dollars went on the card in XX/XX/XXXX, I never received the XX/XX/XXXX statement so no payment was made. When the next statement came it had penalty and interest so i called to find out why and discovered the missing statement, I paid that day the total bill plus an extra {$200.00} so that there would be no more interest. On the next statement there is still an interest charge, called and company rep acknowledged the extra payment but said still assessed interest because they charge interest until the next statement even when there is a credit on the account. Refuse to do anything about the charge. I think this is an abusive practice. For a missed payment of about {$20.00} where I never got the statement I have already paid {$22.00} in fees and {$35.00} in interest, then on an over paid account more interest is charged.
After applying online 4 a short term installment payday loan we were contacted by someone named XXXX XXXX posing as a representative of Speedy Cash saying that we were approved for {$3000.00} loan. We were supposed to receive the money within 24 hours of giving him our bank account number which we gave him our account number and routing number then he asked for our online banking username and password. When I obtained the information I was unable 2 retrieve his number from my voicemail so I went to the company 's website and call the number listed. I spoke with a customer service rep by the name of XXXX that informed me we were not in their system so I hung up I made a point to retrieve the voicemail that I received from XXXX XXXX and I proceeded to call the number he listed. I first called him blocking my number and it went to voicemail after the second ring then I called back with my numbers visible and he answered stating that he was XXXX XXXX with Speedy Cash and how could he help me. I asked for someone XXXX XXXX name and he just sat there on the line and eventually hung up after my fourth time of asking for a random person. I then called Speedy Cash buy the number listed online and I was informed that this person is a scam they are not out of Washington they are out of Kansas and then I proceeded to ask for the fraud department from which I spoke with XXXX who made a report and advise me to file a report with the FTC consumer XXXX and to contact my bank and XXXX.
In  XXXX  o f 2017, I appl ied to get my home refinanced. My house was appraised for {$130000.00} but my de bt - income ratio was too high. I paid off a sifnicant portion my debt and reapplied to refinance my house with BB & T,   XXXX   XXXX   in S C  : BB & T is  my current mortagge holder. I was told my debt income is ok but I needed to do another appraisal. They appraised my house in  XXXX     2017 and  I am told it was appraised for {$120000.00}. They denied the loan based on new appraisal. They are refusing to send me a copy of appraisal even after several requests.
Capital One has been uncooperative, combative, and has denied me the right to pay my final payment by check for an account that has been compromised. I WILL NOT PAY THE INTEREST. I have been wasting HOURS on the phone and have had XXXX make XXXX comments to me about who has used my credit card when it was fraudulent. I ca n't and WO N'T send them my driver 's license, birth certificate, social security card, and will continue filing complaints with the XXXX as well on this outrageous behavior. No one has bothered to contact me and I 'm sick of complaining and being put on hold, denied access and as a result ca n't pay.
Capital one continues to capitalize off the # of unexplained NFS charges on credit card purchases account that 's attached to checking account, capital one executive director called on XX/XX/2017 without a resolution but instead to continue causing hardship on economic resources capital one have used tactics to capitalize off members economic resources as capital one continues to delay memorandum of Transparency accuracy of accounts open and accessible to XXXX XXXX XXXX by the end of today 's closing.XX/XX/2017
My wife and I had open our XXXX chase card XX/XX/XXXX, After they recently changes the free annual night has left off a gap from customer that would of never received an uncap night due to your recent change. It is greatly disappointing and unfair that a small pocket of loyal customer that will never get an uncap night since their rule exception for XXXX - XX/XX/XXXX customers. It should be extended to include any applicant from XX/XX/XXXX to XX/XX/XXXX to cover that small group that original applied to the card expecting a uncap night per the terms. 

This was the exact terms - After your account anniversary date, youll receive an Anniversary Free Night at any of the over XXXX XXXX hotels worldwide.1 Footnote There are no blackout dates and no restrictions. Look for your free night on your XXXX XXXX XXXX account. 

https : //www.chase.com/XXXX
XXXX XXXX, XXXX, at approx. XXXX I went to the teller window inside XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX to withdraw {$1200.00} from my savings account to pay for some used furniture. The tellers told me they were not open until XXXX and suggested I use the ATM next to their window to withdraw funds. Even though the daily limit was only {$800.00}, I was in a hurry so I used my ATM card to withdraw. When the cash was dispensed, I counted it twice and it dispensed only {$780.00} in {$20.00} bills, even though I requested {$800.00} and the debit from account on receipt read {$800.00}. 

I immediately handed the cash to the XXXX tellers at the window, who both counted it twice and verified I was shorted {$20.00}. XXXX XXXX, the first teller to count it said that at the end of the day they would count the ATM and credit my account immediately if it was over. The next morning I received a message from XXXX XXXX that the ATM was counted and the machine was not over, so she would file a claim. 

XX/XX/XXXX I received a letter dated XX/XX/XXXX, stating their investigation was complete and my claim was denied. I called the Bank XX/XX/XXXX and after several transfers, a XXXX banker, XXXX, told me she would issue a provisional credit to my account immediately and re-open my claim. She also said they would send me the documentation used in their investigation that I requested. 

XX/XX/XXXX, no credit had been issued to my account and I had not received the documentation I requested. I called and was transferred 6 times in more than an hour, each telling me they couldn't help me. I was finally transferred to XXXX ( she said she was not allowed to give me her last name ), who told me the case was still ongoing and I would have to wait another 90 days before investigaton is complete. When I asked them what their retention policy for the video surveillance was, no one could or would tell me. How do I get that video preserved and viewed by law enforcement in case they deny my claim again after 90 days? 

XX/XX/XXXX I received a letter dated XX/XX/XXXX stating the documents I requested XX/XX/XXXX were attached. The 2 page document entitled " ATM TERMINAL INFORMATION '' make no sense to me whatsoever. There was nothing in the letter explaining an ongoing investigation or status of my claim, nor have they given me a credit for the money they shorted me. Regulation E states they must provide provisional credit during investigation within 10 days and complete investigation within 45 days. As of today it's been XXXX days and still no resolution.
Well I went to apply for a payday loan from ace Cash express and I ended up getting denied and when i received the email stating why it said that profile didn't match first name and that my social security number was registered as deceased. And not I only them but XXXX XXXX too when I called them to verify my identity over the phone.
XX/XX/17 - This is the 2nd time that comenity bank has contacted me through my employer.  this time they mentioned the call is personal and is being recorded.  The call was transferred to me and I requested they remove my employers number and that they never contact me at this number and they disregarded my request and continued to ask me personal questions to gather other contact info such as a date of payment, an address etc.  I want them to not call my employer.  I cannot have this reflect upon me at my place of employment.
Check issued to Bonneville Collections in Utah. Check contained conditional endorsement & a full pay. The exact amount that was my credit report. They were contacted to report/update they have refused since XXXX 2015.
On XX/XX/2016, Wells Fargo dealer services put on our credit report that we owe them {$10000.00} and wrote it off the reason for the collection, was because they refused to work with us to catch up on the payments after I was hospitalized. We agreed to have them pick up vehicle, before they picked it up I had my mechanic inspect it from top to bottom to make sure everything was in perfect working order and there was no damage to the vehicle. They then called my insurance company a week later and tried to make a claim. Telling my insurance company that the rear quarter was destroyed on the vehicle, which was not true and the insurance company refuse to pay because they damage the vehicle. At that point in time when they said they were going to write it off I never expected to see it on my credit report because the damage was done by them and they are responsible at that point. I could not sell the vehicle for a reasonable amount of money because of the damage that was there I believe the law should have been on them not on me. When I tried to dispute it the only thing they did was say that it was correct. No explanation on why it was correct, no explanation on why they did not take responsibility for the damage. And the only thing on my credit report that I put on there was that I disagreed, but I actually gave the whole story to be put on my credit report and they never did that. At this point in time it has destroyed my credit for the last 2 years. And I do believe that wellsfargodealerservices should pay me for the destruction of my credit when it was actually their fault.
XXXX XXXX XXXX has called : my cell phone ( understandable, and in all honesty I cant answer when they call because Im at work ) my workplace a co-worker at home my XXXX XXXX XXXX niece my sister-in-law at work ( and asking her employer to confirm HER employment ) And these are just the calls I know about. I get it. I owe for my student loans. Honestly I dont care that any of these people know that I owe money to the federal government, but harassing them isnt going to miraculously put enough money in my bank account to pay my loans back.
I have been Dealing with nationstr who has taken over XXXX XXXX regarding my credit report. XXXX shows the acct open past due in XXXX balance of {$85000.00} due. The mortgage was discharged in XX/XX/XXXX. 
Nation star will not update the credit bureaus as they state they did not put it on the reports
TODAYS DATE:XXXX PLEASE UPDATE MY PHNOE NUMBER TO MY FRAUD ALERT:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX - XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I filed complaint ( XXXX and XXXX ), I received response from XXXX XXXX XXXX, Office of the president, Card services, XXXX XXXX is not capable and understand the case neither the knowledge about what is steampod is, XXXX XXXX is hair straightener that it comes with water tank with base and comb with straightener itself they ARE NOT ACCESSORIES that you mentioned I did purchased it fromXXXX, they should came with unit and further more when logged in to XXXX is not included in their product lists, when I purchased it I XXXX the Steampod andfound few, the cheapest was from XXXX and in the description DID NOT INDICATEDTHAT IS USES XXXX PLUG neither the THE XXXX knew it going to U.S.A and warningU.S A 's buyer that is uses different power source ( XXXX volt ) and not shipped the unitwith missing parts and further more THE XXXX knew the XXXX rules that we will be stockwith unit and can not ship it back due to cost that IS FRUAD the intention to deceiveand causing financial injury is FRAUD, your department has to protect their client from such as this predators, US Bank must make sure that The XXXXresponsible for gettingdefective unit back and provide the shipping cost for their unit.
I attended school XXXX last year to finish up prerequisite courses for XXXX school, which I am currently in the application process for. During such time, my federal student loans were in a deferral status through American Education Services, which is supposed to carry over for 6 months after finishing school. School ended XX/XX/XXXX, so no payment should be expected until XX/XX/XXXX. However, AES is claiming that the payment was due in XX/XX/XXXX ( 4 months instead of XXXX ) and that the loan is now past due. Their letters specifically stated that the grace period would be over in XX/XX/XXXX. As I am currently searching for work while applying for graduate school, I am unable to pay the amount they currently demand. As previous dealings with this company have solved nothing in the past, I am taking this complaint the the Bureau of Consumer Finance to avoid the major headaches they otherwise would cause.
I 've submitted multiple times proof of my condo insurance, even send it through "  XXXX  '' per the servicer 's instructions ; howe ver AmeriHome keeps saying they do n't have it. I attempted to upload the insurance coverage again, and it tells me the document is already " in process '' and would not allow me to submit again. I do not want or need force placed insurance, as this insurance is paid through my HOA. I attempted to get information of to send my proof of insurance to the insurance department ; however I only end up with the phone agent 's own fax number, and the document is lost. I received a new letter stating my insurance coverage  is needed. Please help!
This is a follow-up to a previous complaint against UASXXXX. They asked you for 45 days to investigate, but they have turned the account over to a collection agency and ruined my daughter 's credit and mine as co-signer. She graduated XXXX, 2015. She has a 6 month grace period. She is not working.She has no income. I have no income. We are destitute. Life really has no meaning.
Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a XXXX XXXX loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a XXXX XXXX dollar personal loan. I have graduated and can not find a job, I would like to have this removed
After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the reporting agency and requested removal of accounts but I was denied. I stated that I am a victim of identity fraud but they still would not remove the inquiries. Here is a list of several inquiries that were not authorized by me : 1. XXXX 2.  XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.
On XXXX/XXXX/15 I sent Valarity LLC a certified letter stating I was aware I owed a past due balance of {$1600.00} but I am on XXXX I do currently have a financial assistance agreement with XXXX Valarity as their collection agency. I asked Valarity not to call me anymore but to send communications via mail. They received the certified letter on XXXX/XXXX/15. Since then, Valarity continues to call XXXX a day. I recognize the phone number, so I do not answer the calls. I was advised not to speak to them.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom it May Concern : XXXX   XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANKING XXXX XXXX   XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
hard inquiry I have XXXX inquiry on my report with the same company XXXX XXXX auto I would like them to be taking off if possible
On XX/XX/XXXX I submitted a complaint with CFPB to contact Sequium Asset Solutions. I never received written documentation of my debt or how to pay or my rights. According to the complaint, Sequim updated my contact information, but they never sent me any information via US mail. They also provided a number in which I contacted numerous times and left messages. The company refuses to work toward a resolution of my debt or getting this removed from my credit. I require WRITTEN documentation via US mail before I'm willing to pay the debt. Sequim has my information and can easily send it to me and I will pay the debt. They have not done so and it has been over a month at this point and is why I'm filling an additional complaint.
In 2012 I made a payment arrangement with Navient. I pay them {$100.00} every month since XXXX of 2012. This year they took my federal tax return as payment, saying I was delinquent. I was under the impression that when the payment arrangement was made it would bring everything current and I would continue to make my monthly payments. They submitted a request to take {$4200.00} of my tax return, leaving me with nothing. I 'm a single mother of XXXX, pay for everything on my own and I was really depending on my return to catch up on bills, get heating oil for my home and have a cushion for this year. When I contacted them I got a run around, transferred to central credit services instead of them, continually sent to an extension that requires you to leave a voicemail, yet you ca n't leave a voicemail so it hangs up on you. I do n't understand how they can take my refund when I make payments to them monthly.
I started repaying my loan with the third party and at a point I talked to them because could n't keep making the full monthly payments of XXXX, to which they offered me to make payments of XXXX for a few months and accepted the offer. they sent me the receipts of debit for the amount of XXXX twice and then contacted me and told me that it was wrong and they could n't do that that if I did n't make the full payment at that time I would loose everything and would have to start over. I explained they made an agreement and that they would have to keep it because I already payed {$4200.00} to a settlement offer of {$7600.00}. Under UDAP, they deceived with information given and then I heard nothing from them and was contacted by another 3rd party to start repaying the whole amount and that I lost all the money I had already paid.