WillisBack/dataset-financial-user-claim huggingface dataset:
I called in to get a payment arrangement set up on my account and spoke to a representative by the name of XXXX. He was extremely rude and very hostile during the entire conversation. He kept asking questions like why I was n't able to make my payment on time, that when I signed up for the loan I agreed to make the payment on time, etc. I explained to him that I paid majority of the car note and that the automated system gave me until XX/XX/XXXX, that I needed until XX/XX/XXXX which was my pay day to make the payment because I did n't want to fail the payment arrangement. All I needed was 3 days more, the rep became even more rude and began talking to me in an inappropriate manner stating I should n't need the additional time and that I need to keep the arrangement or see if I can get the money from someone. I asked to speak to a manager because he was being rude and he stated he was a senior rep. He stated I have a sub-prime loan and that his company already took a risk at giving me a loan so I need to make my payments as agreed. I began to raise my voice and get out of character with him because I could n't believe he was actually talking to me as if I was a nobody and the money came out his pocket. I 've had my vehicle since XX/XX/XXXX and this was my first payment arrangement, I have never been late on my car payment. Every time I call this place, the reps are nasty and talk to you like you are trash. I asked to speak to management after dancing with him verbally for a few minutes and they gave me the extra days without a problem. I can never get what I need resolved without constantly enduring the lack of customer service from the rude, condescending, very judgmental collections representatives that work for Credit Acceptance. They act like they hate their jobs and the money is coming directly out of their paychecks to finance the customers they have to service. They call you constantly with their automated dialers and they will harass your references as well. Then when you call then to ask then to stop with all the calls, they will have the nastiest attitude. We already know when our payments are due, we do n't need calls 10 times a day and we do n't need our references to be harassed as well. I do n't need my references in my business and knowing when my payments are due. Especially dealing with the reps nasty attitude.
Last year, I applied for and was given a credit-card by Capital One. Under their rules, a starter account is opened in the amount of {$300.00}, and then, per their rules, if you make 5 consequitive on time payments, they raise your credit limit to {$500.00}. I reached that level. In XXXX, I filed a chapter XXXX bankruptcy, and they ( Capital One ) closed my account even though I DID NOT INCLUDE THEM IN THE BANKXXXX! My payments were always on time, and when I last looked, I had a balance of about {$120.00}, which I tried to pay, but was locked out of the account. I have written two letters to them, and I get no response. I offered that if they issued a card again with either the {$500.00} or {$300.00} credit line, minus what I owed, I would pay it upon receipt. I had no intention of trying to get out of paying them, my intent was to start rebuiding my credit. I did not deserve to have my credit yanked for no reason. I never missed a payment, my payments were on time, sometimes before they were due, and I usually paid more than the amount due. They do not respond, they offer no relief or options, much less an apology for closing an account that was not delinquent. Recently! I applied for another one of their starter cards, and was denied, with the response being I did or do owe them money! I owe them about {$120.00}, and had they kept the account open, it would have been paid. This is blantantly misleading and wrong for them to not allow me to have the card, and secondly, since I did not include them, I should have been allowed to pay what I owed. I do not have the account no anymore, they can look me up by my social XXXX
Back in 2013, me and my wife moved from XXXX to XXXX XXXX XXXX, because that was her dream. After a few months, we was in the swimming pool when about XXXX XXXX was skipping rocks across the pool. It was me, my wife, my daughter, her boyfriend and my grand-baby. So naturally, my daughters boyfriend told them to stop because of the baby. The next day me and my wife had to put air in our tires. A couple of days later, we mentioned the situation to the manager ; about two or three days later, my window got busted. I had just to XXXX it up because we spent everything we had to move there, XXXX XXXX XXXX. About 2 weeks later, new neighbors moved in downstairs. They would bang on their ceiling all the time. I night, about XXXX, I was in bed when my wife came running into the bedroom saying that someone was beating on the door. I got up and answered the door ; there stood a woman asking me to keep it down because they was trying to sleep and we was making too much noise ( I was in bed ) and my wife was in the living room watching t.v. That next day I told my wife to find another place because it was getting ridiculous there. On the last day that we moved out, the manager came up to me and asked what was going on. I told him that earlier that month my window was busted out of my car, and he told me " well if you would have told me, we would have you park under one of our cameras ''. I told him we live week to week and even though we would have caught the juvenile delinquents, that would not help me if they slashed my tires. The law would make the parents pay for the damages ; but what was I supposed to tell my boss. Oh, as soon as my car gets fixed, I 'll be in. Like I said, we was on a very tight budget and could n't wait till XXXX, or maybe even both of our cars to be fixed. The manager even said he knew who done it because he has had trouble out of them before. Then I told him about our new neighbors and how they was banging on the ceiling all the time, and once even got me out of bed to tell me to be quiet. He said you should have came to me for that too ; but I thought it would be easier just to move and not make any more enemies. So now Hunter Warfield calls me all the time. I only have a cell phone and I even told them to quit calling me because I ca n't get phone calls at work, but they call anyways. The last time we talked, they said that they was going ahead and start legal action, even though they know this story also. So, if you could help, I would appreciate it. I know that I broke the lease, but I had no other choose. So, XXXX XXXX XXXX, but it 's Hunter Warfield that calls # XXXX Thank You, XXXX XXXX
I was scammed into giving XXXX to a man who stated he did investments He has since not kept his promises. 1 month ago he told me he was going to block my account and I will not get my money back. I posted XXXX with XXXX different banks and this XXXX bank refuses to help me because they said I gave my card number out. I used it as a credit card so I would have the protection but the bank is declining even looking into it. I do have a lot of documentation as well as the other bank processed the dispute.
Since XX/XX/XXXX, someone has repeatedly ( 8 times ) attempted to open Chase credit cards and Amazon credit cards through Chase Bank. These applications are showing up as hard inquiries on my credit report, and I am not applying for these cards nor am I authorizing the hard inquiries. I have received letters from Chase letting me know of this attempted fraud and have called the number provided to have those applications deleted and requested that the inquiries be removed from my credit report, and I have also placed a 90-day fraud alert on my credit file. I also signed up for XXXX. Despite this, I am still having someone trying to open cards with my information. After months of taking all this action to prevent this from happening, it continues.
mcm refuses to report payments to credit report XXXX  XXXX is charging for a credit card that we did not sign up for or recieve
XXXX  is now showing my payments to BMW Financial services as " late '' over 7 occurrences which is false causing a severe point score drop on my scores. I have never been late with this account payment. They should correct immediately.
I typically pay this company ( Selene Finance ) through their website -- In XXXX I was having an issue logging in to my account -- I tried everything including an attempt to reset my password -- for whatever reason even the security questions were not coming up correctly -- I instead went to my bank and paid the account through my bank site ( XXXX XXXX XXXX ) the debit came out of my account immediately so I show receipt of the payment being made and clearing my account on XX/XX/XXXX -- here is copy paste of the transaction from my XXXX acct XX/XX/XXXX Online Payment XXXX To selene finance XX/XX/XXXX Bill payment However, SELENE FINANCE did not post my payment until XX/XX/XXXX -- I did not discover this until making my next payment on their site and seeing a " late payment fee '' applied. I immediately called them and spoke to a supervisor who I explained the issue I had on their website the month prior and that I had receipt of payment clearing my account -- she advised that she would make an adjustment -- they have not made it as of this date - I tried to contact them through email again in XXXX and I did not get a response - instead I received a letter in the mail that " draft was applied '' -- I do not know what that means but the bottom line is the {$41.00} is still showing applied on my account. -- if I go to account info it shows " past due '' - not only are all payments made prior to XXXX of the month but XXXX is already paid here is that screen shot : Mortgage XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AC ... XXXX ( Past Due ) Next Payment Amount and Date* {$1300.00} XXXX XX/XX/XXXX Past Due Amount {$1300.00} ( 7 Days Past Due ) * The amount and date are subject to change This bank is HORRIBLE to deal with on every level - their communication is awful given the day and age we live in of electronic effective communication -- I am a mortgage professional for many many years and own and have owned multiple properties and have never dealt with any servicer like this - their lack of customer service and attitude when you try to speak to them on the phone needs attention. We had an insurance claim last year and even dealing with disbursement holds was horrific -- This was the last straw I am very responsible consumer in making payments timely and insulted by this, especially to be told it would be taken care of and not - - I would not want my customers dealt with this way - thought you should be aware Thank you
I lost my business due to the economy & had to move to find work. The apartment I moved into did not allow satellite dishes to be mounted on the building or property. I paid XXXX in full every month for over XXXX years ( including additional expensive sports packages ). Contacted XXXX before I moved to terminate service, paid account in full and returned all equipment they required. 

Now they have sent my account to collections to try to force me to pay {$520.00} for early termination. 

The FTC currently has a lawsuit against XXXX for illegally charging customers $ XXXX.+ for early termination citing it as illegal. 

West Virginia law states that if the account is more than XXXX years old ( my account is over XXXX years old / active for XXXX ) they can not sue me or report debt to any credit agency. 

I do not believe I owe XXXX any money.
On XX/XX/18, I called Citibank customer service regarding my credit card application status. I get my security question right but they transferred me to the fraud department and refused to check my application status. 

Their decision seriously delayed the time of reviving my credit card and hurt customers relationship. 

I would request to cancel my credit card application with Citibank.
To Whom it May Concern : Correspondence sent to Ocwen as there was an outstanding judgment associated with case # XXXX. The judgment was confirmed satisfied by Ocwen on XXXX/XXXX/XXXX in writing ( attached ). A corrected XXXX was received but the satisfaction of judgment has not been filed which is preventing the refinancing on XXXX XXXX 's residence. 

This matter has been ongoing for 3 months and has been escalated several time. Ocwen has failed to satisfy the judgment as promised thereby continuing to impact XXXX XXXX 's credit and ability to refinance.
My mother has an XXXX. Her house was sold and her mortgage was paid off. Wells Fargo sent a refund check for an overage on her mortgage escrow account. The check was lost. We attempted to have them reissue the check, however they refuse to recognize the Power of Attorney on my mother 's account since it is over one year old. They require a POA dated within the past year, which is impossible due to my mother 's mental incapacity. In addition, by law POAs do not expire.
I sent a XXXX letter to Experian asking that reach out to who is reporting this information and provide me proof of verification that this account belongs to me which. All they responded with was account verified and I know by law they have to send me something in writing that proves it is me. So they updated my report with false information.
Experian is reporting inaccurate information on my credit report that needs to be deleted. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Social Security Numbers : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
I made a withdrawal for {$400.00} using my Chase Bank ATM debit card on XXXX XXXX at a local ATM machine and only received {$160.00}. I filed a complaint with Chase Bank on the very same day and was told I would recieve a temporary credit within 12 hours. Twelve hours passed and I received no credit so I call back and was told to wait until the end of that business day or in the morning. I waited as was instructed and was still never given my credit. I was then told to wait 48 hours and still never received my credit. Afterwards I called and was told there was an error concerning my temporary credit and that 's why it 's taking so long and I would have to wait another 48 hours. It 's been 2 weeks now and I 've still yet to relieve my {$240.00} credit. To make matters worse my account is now $ XXXX due to overdraft fees because of this. I barely make above minimum wage and I have XXXX XXXX XXXX XXXX. To hold my bank account hostage like this especially during the holidays is atrocious. My direct deposit is supposed to hit in 2 days and I 'm going to be $ XXXX. I have a child to support and I need every penny I 've rightfully earned.
I have a mortgage loan that is being serviced by OCWEN and they are not providing me with an opportunity to save my home from foreclosure. Their representatives have made it absolutely impossible to have my loan reviewed for any form of assistance as I keep getting bounced around for person to person when I call them. I do not have an accoun tmanager who is assigned to my file because they keep switching out my single point of contact and this is making it impossible to get straight answers. Due to XXXX, I had some lost income which hurt us financially and we had to fall behind on our mortgage, but we are now back on our feet and want to work out our mortgage issues. However, OCWEN has other ideas and are restricting our ability to access obtain a loan modification that could help our situation. Our problems began even before I had XXXX when we refinanced our loan. We needed to reduce our monthly mortgage payment and wanted some money for our sons college education. After we refinanced our payments kept going up and up. Apparently we were given an adjustable rate mortgage when we were told it would be a fixed mortgage. I believe we were conned into a toxic loan when we refinanced our mortgage. This hit us very hard since we expected our mortgage payment to stay at the newly reduced payment, but our mortgage payment continued to climb. The loan should have never been written and we were tricked into refinancing into a loan that had little benefit to us. My XXXX weakened us financially and we needed some help with our mortgage payment. When we contacted them our loan was current and they said they could not help us until we were delinquent on our mortgage. We were stopped making payments based on their advice, but this turned into a nightmare as we can not get OCWEN to complete a review for retention options on our property. OCWEN doesnt appear to be doing anything to move things forward and this has become incredibly frustrating. We feel that OCWEN has no interest in helping our family and that our request for assistance is going nowhere. We see that the United States Government fined them over {$2.00} billion for this type of activity and gave them billions more to help homeowners, but this apparently isnt enough for them to help us. We are hoping you can help us deal with the issues we are having with OCWEN.
I received a letter dated XX/XX/2018 from FCR Collection Services ( FCR ) indicating that I owe {$250.00}. FCR is trying to collect payment for textbooks that were leased ( and not returned ) by someone using my stolen credit card number. I notified my bank when fraudulent charges appeared on my bank statement and XXXX XXXX  removed the charges and cancelled my credit card. I have made two phone calls to FCR explaining the situation. One call was placed in XX/XX/2018 and the other call was placed on XX/XX/2018. FCR requested that I give them my email address so that they could send me an affidavit form to refute these cards. Instead of sending an affidavit form I am receiving monthly emails requesting payment. The latest email is threatening to have may account placed with a law office to pursue collection.
Hunter Warfield has reported negative item on my credit which is unverifiable and false. I have sent over 5 letters to the credit bureaus demanding to see verifiable proof of the original Consumer Contract with my signature on it. Under the FCRA 609 section ( a ) ( 1 ) ( A ) unverified accounts must be removed if you are unable to provide a copy of verifiable proof the item must be removed. I never received any verifiable proof of the debt. It was opened on XX/XX/2016 from Hunter Warfield. XXXX   removed the negative item however XXXX and XXXX are still reporting this item, thus tarnishing my credit and barring me from home ownership. Please help attached is the letter of deletion from XXXX.
XXXX XXXX XXXX # XXXX has a false DOFD.THE CORRECT DOFD IS XX/XX/2010.ALL XXXX BUREAUS XXXX AND TU REPORT A DIFFERENT INCORRECT DOFD.ALL ARE ATTACHED TO VIEW THEIR RADICALLY DIFFERENT PAYMENT HISTORIES.ALL XXXX BUREAUS HAVE BEEN " VERIFIED '' RECENTLY WITH ALL DIFFERENT INFORMATION.WITH THE CORRECT DOFD OF XX/XX/2010 the account could be removed from my report now.
In XX/XX/2018 under reference numberXXXX I applied for a credit card account with Chase. I was notified by chase that they needed verification of my identity so I sent them a copy of my Florida drivers license and social security card. I even called Chase to verify receipt of those items. I explained to Chase that I recently sold my home on XXXX XXXX in XXXX XXXX Florida and bought a new home on the beach in XXXX XXXX Florida. I informed Chase that this information could be verified through the XXXX County Property Apprasierss Office for the XXXX XXXX XXXX address and the XXXX County Property Office for the XXXX XXXX XXXX ( new ) address. Chase ignored all information provided to them and lowered my credit score with their inquiries. Chase then sent a letter to my old address even though they were given proof of my new address. This is NOT my first run in with Chase in applying for a credit account. Chase has a strong history of discrimination and violating the Consumer Credit Protection Act. I have several files on this. I applied with Chase about four years ago and they discriminated against me back then while they were accepting government bail outs and building new bank branches all over the USA with that bail out money. I applied for an interest free card with them recently. I can be reached at my home address of XXXX XXXX XXXX # XXXX XXXX XXXX, Florida XXXX or you can contact me directly at XXXX or you can write to me at my p.o. box at p.o. box XXXX XXXX XXXX Florida XXXX. All of this information is ON my credit report and available to Chase. Chase has a history of discriminatory practices related to me and will result in federal litigation being filed against them. But first decided to contact this agency first.
On XX/XX/2018 I made a {$1000.00} payment for future delivery of a custom made rear bumper with XXXX by ACH with Wells Fargo via account # XXXX. I paid the additional balance of {$2200.00} on XX/XX/2018 per their request. They estimated 8-12 weeks for completion from the original order date. After repeated delays and a lack of communication they ultimately stated that they didn't know when they would have they product completed. At that point I began asking for a refund and they are now unreachable via phone or e-mail. I filled for a refund with Wells Fargo and they denied the claim saying that I should take it up with the vendor ( XXXX ). As I stated they are unresponsive so I have no recourse with them. XXXX has violated the terms of our agreement by failing to deliver the product.
In XXXX of XXXX I notified PNC Mortgage that I believed I was overcharged and overpaid PMI premiums from XXXX to XXXX. PNC sent later dated XXXX XXXX, XXXX acknowledging premiums were incorrect and they would work with PMI Carrier to correct. I received additional correspondence dated XXXX XXXX, XXXX stating research was still active and to allow 30 additional days for resolution. I have been in constant contact with PNC via phone since XXXX XXXX, XXXX only to be advised each time that the expected resolution date has been pushed further out into the future ; it has been moved five times in XXXX alone. Ultimately I recevied letter dated XXXX XXXX, XXXX advising how premiums were applied for XXXX and XXXX XXXX and that no refund was forthcoming ; completely contradicting establihed correspondence and utterly disregarding the original concern presented to PNC that premiums were overcharged/overpaid since loan origination.
My car was involved in an accident and it was declared " Total Loss '' by the insurance company. The insurance company decided not to pay for my car but I never stopped making my monthly payments on time because I did n't want to damage my credit history. I fixed my car with a lot of effort, it took me 8 months. As a result Bank of America reported my account as a " charge off '' and closed it even though I am still making my payments every month. Please I need your help.