WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for the Chase Sapphire Preferred credit card with the promotional offer of XXXX bonus points after spending {$4000.00} in three months with the annual fee waived for the first year. I was charged the annual fee less than a month after opening the card, after 8-10 conversation with Chase they claim I'm not eligible for the annual fee to be waived, but show no proof of the offer they claim I accepted.
Hello, I am reaching out to the Virginia Office of the Attorney General in reference to making an Official Complaint against a Business in Virginia. The Company in question is XXXX XXXX XXXX XXXX. They are based in XXXX XXXX, VA. I purchased a vehicle from XXXX XXXX in XX/XX/XXXX The vehicle was repossessed in XX/XX/XXXX. The problem/complaint that I have is XXXX XXXX XXXX XXXX sold the vehicle at an auction and only reported the balance at " XXXX  '' to XXXX, the other two Credit Bureau says the account is " Open '' with a balance. 

The way I found out that XXXX XXXX XXXX XXXX sold the vehicle and cleared it out on the XXXX side-only is because I went through a Third-party Credit Repairing agency " XXXX XXXX '', they reported to me that the account had been reported as a " XXXX '' balance and Ultimately this account was removed from my Credit Report for XXXX. XXXX XXXX XXXX XXXX obtained a Wage Garnishment against me on Several Occasions and when I am " Served '', I am told by the Attorney representing XXXX XXXX XXXX XXXX that the Case has been Dismissed beforehand. Come to find out, my Previous Employer was Threatened by the Attorney representing XXXX XXXX XXXX XXXX into a Payment before the Court Date. 

I currently have a new vehicle through my bank ( XX/XX/XXXX-Current ), and I 've had it since the Account from XXXX XXXX XXXX XXXX was " removed '' from my XXXX credit report by XXXX XXXX XX/XX/XXXX. When I found out what XXXX XXXX XXXX XXXX reported and Failed to Report, I began investigating my own Credit Reports. Which led me to Filing an Official Complaint against the Business. 

I would like to see XXXX XXXX XXXX XXXX to cease any and all Collection Action against an Account that was XXXX out back in XX/XX/XXXX and I also need all the Money that was Garnished from my net pay refunded as well as the Money paid directly to the Collection Agency " XXXX XXXX XXXX XXXX ''. 

I have also got into contact with " XXXX XXXX XXXX XXXX '' to see about getting an Update on the " Account ''. While talking to the call-taker, I mentioned that I have a New Car, her mood and demeanor changed into more of a " Shocked '' personality, in a way that she did not want to continue talking to me on the phone. 

In closing, I believe I have been Scammed by XXXX XXXX XXXX XXXX and I also believe that Federal Law have been Violated. There 's a Complaint giving to the Consumer Financial Protection Bureau which created a Complaint of the Federal Trade commission databases. I look forward in speaking to a representative via phone or email that will be provided.
I have a variety of Federal & Private loans for myself & also Parent-Plus loans for my son. ( my ex-husband refused to co-sign or help ). These loan balances now exceed {$80000.00}. I am XXXX years old & this loan balance exceeds my annual income. Navient is the current loan servicer for ALL loans. I went back to school " online '' to finish my degree when I was XXXX & my children were graduating high school, which I never had time to do, working full time & raising my family. Like a mortgage loan ( & these are often just as much & certainly more risky ) these loans did NOT qualify me to be actually able to repay them. How can these loans be given so freely, when the repayment is worse than federal taxes?! The money is given too easily. I was not then & certainly not now qualified or able to repay all of this debt. The Federal government should reduce the interest to zero & cut balances in half to prevent a certain national financial crisis, which will be just as bad as the XX/XX/XXXX mortgage catastrophe. I graduated in XX/XX/XXXX, right before the " crash ''. I was unemployed for two years & then finally took a salary of $ XXXX in XX/XX/XXXX. By then, I had used my savings & took withdrawals from my IRA to pay bills & student loans. the 401K should have a loophole to remove penalty & taxes if used to pay these loans down. The Government has far too many restrictions. I had to have deferments & interest only payments resulting in ever increasing principal balances & higher future monthly payments. Since then, now ALL Of my savings are gone, my IRA is further depleted. My loans are all on forbearance yet again. My future is bleak. As a consumer & provider for my family & myself my retirement will be non-existent & future is so very restricted. These repayments are ALL wrong. The parent-plus loans should be REMOVED from my social security #. This is NOT right. There should be an age limit, when ALL loans are to be forgiven such as 60 years of age to allow recovery. THE US GOVERNMENT wastes money on frivolous travel, expenses & overseas projects. These loans should NOT be a source of revenue. They are damaging lives & the economic stability of the Country. The so-called repayment plans are worthless.
On XXXX/XXXX/XXXX I was told an auto loan was opened in my name which I got a vehicle in XXXX/XXXX/XXXX. That vehicle is now reporting on my credit report as a repossession as well as reporting twice. I have called XXXX XXXX and XXXX. I was told by XXXX  that they verified the account and I can continue to dispute the same issue. XXXX also told me that they see that it is a duplicate account and the sad part about it, that I clearly states a duplicate account with the same account number I have also asked Global Lending Services for a copy of my contract and to no avail did I get anything from Global lending or XXXX which stated to me that they do n't have to verify anything with me what XXXX told me is that they only report what is given to them no matter If there are any issues I need to take that up with the company. No matter how many times that I explain that they are damaging my credit by reporting this same vehicle twice with 2 different amounts on it they said it would be nothing that they can do.
Back in XXXX 2016, I got a promotion offer from Citibank for opening a Citogold checking account with a bonus of XXXX XXXX miles. I opened the account in late XXXX and completed the required tasks for the bonus. However, in XXXX and XXXX, I sent several secure messages online to Citibank and they refused to offer the bonus by claiming that I was not eligible, despite the fact that I was confirmed several times in XXXX and XXXX when I talked to some representatives for eligibility inquiries.
Wells Fargo dealer services is reporting, consumer dispute 90 days late /closed. Instead of paid off.
Credit bureau continues to allow XXXX accts to remain on my acct without providing proof of requested validation. I deny XXXX accts that continue to be shown and stated sold to diff companies with each complaint.
My XXXX and XXXX Perkins loans are serviced through ACS, now XXXX. I have been working as a XXXX XXXX for the last three years and prior to that as a XXXX XXXX, and as such my Perkins loans qualify for cancellation. I have supplied adequate documentation annually to ACS, and every year there is great difficulty in obtaining my loan cancellation. Again this year I have submitted the proper paperwork and ACS continues to request further documentation. This documentation continues to place an unnecessary step in the cancellation process as I have already provided the information requested to process the cancellation.
It is now over 3 years since i requested for a XXXX Short Sale on my mortgage account, Chase has been playing games telling me that they are reviewing my file. 90 days later they respond back to me telling me that the file was declined becuase the negotiator forgot to place my file under review. Now i have to reapply all over again. 

IT IS NOW 3 YEARS since Chase keeps doing the same thing, as of last month Chase told me that the file was delayed becuase my previous realtor and i needed to hired a new realtor if i want them review my XXXX Short Sale request. Now that i hired a new realtor Chase is refusing to review my application and they have placed a foreclosure sale date set for XX/XX/2015. 


XXXX XXXX
XXXX MORTGAGE XXXX This account was NOT A FORECLOSURE! This account was " Settled for less than full balance ''. 
REMOVE ALL FORECLOSURE VERBIAGE OFF MY CREDIT FILE AS THIS WAS NOT A FORECLOSURE OR DELETE THIS ACCOUNT OFF MY CREDIT FILE IMMEDIATELY!! 

Please see supporting Notice of Rescission documentation attached.
I contacted this company on today 's date in reference to this unfamiliar debt. I told then I was a Victim of Identity Theft and I filed an Identity Theft Report with The Federal Trade Commission as well. They refused to validate the debt and tell ne what the Debt was for. 

I've also attached a Copy of The Identity Theft Report.
On XXXX XXXX 2017 US Bank without notice closed my account and froze my funds.
Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # *************** ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.
I have ditech mortgage company. I fell behind on my payments due to losing my job. Once I got my tax return and a new job, I was put on a payment plan of 4 months. I was told it could go up to 6 months. First problem was when I asked for 6 months they said ok and it would be reflected on my account in a few days. A week later it still wasnt. I was told to pay on the new plan anyway and set up payments with one of their reps for the next two weeks. They rep put the information in wrong. When I called in about it, I was told to make a payment that day and then I could be set up on a new payment plan for 6 months. I made the payment and now they are telling me they need another payment before they can put me on a new payment plan. The new payment is {$2100.00}, if I had that kind of money I would n't have this problem. Every time I call this company I get different answers from different people including supervisors. I think they are just in the business to foreclose on homes and sell them. Please do something about them.
After reviewing my credit report dated  XXXX / XXXX /   2017 a nd  XXXX / XXXX /   2017 I noticed  that  XXXX   XXXX  was reporting information incorrectly. On  XXXX   XXXX   XXXX   XXXX  reported that my pass due amount was {$160.00} as of  XXXX     2017 a nd on  XXXX   XXXX  they reported as passed due {$190.00} as of  XXXX     2017.  This is less than  24  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows that  XXXX   XXXX  has falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law sec tion 37-20-110.  I have attached copies of recent payments made to  XXXX   XXXX  and the reports that were received.
In XXXX my mortgage company, Freedom Mortgage, started foreclosure proceedings against me and my husband. We filed Chapter XXXX bankruptcy on the advice of our lawyer, XXXX XXXX, stop the proceedings. The case was confirmed on XX/XX/XXXX. During our bankruptcy we made our payments to the trustee, XXXX XXXX and we also made our payments to our mortgage company. Our bankruptcy case was dismissed on XX/XX/XXXX. At the time that our bankruptcy was dismissed, all of our arrears for our mortgage have been paid in full according to documentation we received from the trustee. On XX/XX/XXXX we received a letter from the mortgage company lawyers, XXXX, XXXX, XXXX XXXX XXXX, stating that we needed to pay {$5900.00} to cure any default in our monthly payments through XXXX XXXX, XXXX. We immediately paid that amount and therefore we were paid in full through XX/XX/XXXX on our monthly payments, and our arrears were cured through our bankruptcy payments via XXXX XXXX Trustee. This should have meant that as of XX/XX/XXXX, we were completely up do date on our payments. Then for the month of XXXX I made our monthly payment of XXXX on XX/XX/XXXX. Therefore we should now be up to date though XX/XX/XXXX. However, much to our surprise, we received a mortgage statement with a statement date of XX/XX/XXXX stating that we had {$1600.00} in " fees and charges '' and {$11000.00} in " overdue payment '' due by XX/XX/XXXX in addition to our regular monthly payment. I immediately contacted our attorney XXXX XXXX and asked what this extra {$13000.00} that Freedom Mortgage was claiming we owe was all about. I asked him to contact their lawyers and he refused to. He told me to call Freedom Mortgage myself. So I did. 3 times. Every time I called and asked for a description and a breakdown of what this money they are claiming we owe is noboby on the phone could give me an answer. I was told all three times that a request would be submitted to the bankruptcy department for an accounting and a breakdown of what these charges were. I was also told the bankruptcy department probably just failed to apply my payments correctly and they would fix it. Each time I asked and was told that this process takes 24-48 hours. This has been going on for over a month and I have not received any response from the mortgage company, I have not received any explanation as to how I owe this {$13000.00} when I have paperwork from their own lawyers and my trustee to prove I am up to date on my payments. My husband called our lawyer XXXX XXXX again and asked him to intervene since Freedom Mortgage is not cooperating with us and he told my husband we just need to call Freedom Mortgage ourselves again. During this whole nightmare Freedom Mortgage has now restarted foreclosure proceedings again even through I have submitted all paperwork to them proving that I am up to date on my payments and they still wont tell me what they claim I owe {$13000.00} for. I am beginning to feel that I am being discriminated against and I am running out of options because I can not get any assistance from our mortgage company or our lawyer.
XXXX which was what they were trying to give me for my trade in and XXXX cash which wasn't authrozied to take and monthly payments of XXXX a month now they sold me a lemon car tryed to go talk to the company and the financed company to fix the problem they didn't care was very rude telling me they wasn't going to fix I couldn't get my mom back and so on but a really bad situation
I consolidated XXXX loans at different % from 1 to 6.8 %. The formula use to add all loans at different % is not to favor the borrower but the institutions. The % that I got is still to high at 6.12 % and cant make payments. They sold my loans to other institutions that I had at 1.5 % and gave it to me at 6.12 % in the consolidation? Is this fair? yes I read the fine print. I did not have to consolidate the lower % loans, but could not cover the monthly payment with so many loans. You tell me. How can we jump in XXXX giving fairness all the tactics that the lenders use to profit from the education that we seek.
After calling Equifax on XX/XX/XXXX, I was told that a negative item ( charge-off ) with XXXX which has a balance XXXX ( PAID OFF ) was going to be deleted from my credit report in XX/XX/XXXX following the 7 years-rule for charge-offs deletion since my first day of delinquency was XX/XX/XXXX. Today, after speaking with Equifax again, I was told over the phone that this negative item will no longer be erased from my credit report in XX/XX/XXXX. Apparently, they reset the clock to XX/XX/XXXX because this negative was reported as paid off in XX/XX/XXXX. Moreover, the Equifax representative misled me into believing that the first day of delinquency was the starting date for the 7 years-rules for deletion of negative items. Everything was set for this item to be deleted but suddenly Equifax comes up with new rules. I, hereby, would like to please ask the Consumer Financial Protection Bureau to investigate my case requesting XXXX to honor their agreement with me.
On XX/XX/XXXX I called Lexis Nexis and spoke with XXXX who froze my credit report at my request. She informed me that I would reduce a confirmation letter and pin to unfreeze muy report in 7-10 days. On XX/XX/XXXX spoke with XXXX who confined that he saw tracking for the letter and pin. He stated they were mailed on XX/XX/XXXX and I would receive the letter, pin and my credit report within 7-10 businesses days from that date. I called again on XX/XX/XXXX exactly 11 days from XX/XX/XXXX and spoke with XXXX who stated that the letter and pin were mailed out on XX/XX/XXXX at my request, which is a completely false statement. They refuse to provide my credit report, as well as my confirmation letter and pin number.
Information and referenced documentation was disputed with   XXXX   in  XXXX     2017  and It has been more than 30 days since the intital submission. The disputed information was regarding the    XXXX   XXXX   XXXX    and  XXXX  loans.  Information  was provided showing an open real estate account with  XXXX  that was not included on the report.    XXXX   XXXX   XXXX   c ontinued to report negative pay history while I was in an active Chapter  XXXX  bankruptcy.  XXXX  was asked to remove all negative pay history reported by creditors while I was in active bankruptcy status. Currently  XXXX  is not showing active and that current payments are being made. Negative pay history reported during the time I was under bankruptcy should not be on my report according to the fair debt collection practices act
XXXX was the culprit, paid over {$1800.00} in cancellation fees and charged {$270.00} additionally for free useless phone ( motos ) which was automatically charged onto my credit card. Then they even place me into collection, I contacted them several times regarding this, the very last call they told me to pay additional {$7.00} processing fee that would resolves this issue, apparently this is fraud tactic that they use to start collecting in increments and charging my credit card. As of today, they done nothing to help resolve this issue.
I contacted chase bank regarding a disputing charge, they asked me to give the company couple to days to see if i can resolve the issue, however i waited about a week and the problem wasn't resolved then chase was contacted and first they disputed the whole amount and asked me to wait 24hrs until it reflects on the account and at first it did then in about 4 days they reversed the money out with out notification or notices leaving my checking account negative balance and when i called they claimed that it passed the disputing period which was 60. if chase initially disputed the charge it would of been within the disputing period but they decided to waste time knowing that the disputing period was going to be over.
I applied for a HAMP modification and was told the package submitted was complete on    XXXX   XXXX   XXXX  . I ap plied because my husband had died and I needed to get the HAMP modification. I have proof that all information requested was provided via email and fax and can provide that proof.   On  XXXX / XXXX / XXXX  there was a request from the bank for a lease rental agreement or Schedule  E and  ( which was sent in as part of the ta xes ) proof of income, both pay and profit and loss and verification of SS income. This had all be en sent in with the original package. I have proof of that.   On   XXXX   I was told that the following documents were needed  : 1 ) business tax return ( which was submitted ) with form  XXXX  and Schedule  XXXX  which was part of the return.     US Ban k claimed they did n't have it but it was submitte d. 2 ) paystubs. All proof of income was provided to US Bank including my salary, my profit and loss as a music teacher and my SS awards. US Bank referred to {$71000 .00} which was on the  XXXX  tax returns. I explained this was when my husband was alive and had no bearing on the income I earned since his death. I had provided his death certificate with the initial submission in  XXXX   XXXX .     The underwriter again asked for proof of the {$71000.00} earned by my husband. All items had been sent more than once and I have proof of them being sent.     This is now my   3rd complaint. The reason being that US Bank continually sending me patronizing responses saying they have not received items I have sent and they must be held accountable. They have thrown me out of the HAMP program I applied for, the one that would help me the most.
We will be happy to provide all corroborating documents. The file provided to the bank is massive and too large to upload.
I deposited a check on XX/XX/XXXX via mobile deposit with XXXX XXXX XXXX. The check was from XXXX. I was not told when it would be available. I contacted the institution on XX/XX/XXXX and was told that the funds would be available on XX/XX/XXXX, but that I could reduce that by a day by linking an account. I did so. I called on XX/XX/XXXX and was told that the funds would be available on XX/XX/XXXX, and that linking the account made no difference. On XX/XX/XXXX the funds were still not available. I called and was told that since it was a new account, funds would actually not be available until XX/XX/XXXX. After I pointed out that the depository agreement did not state this, I was told that the problem was actually that they were unable to verify the funds on a XXXX check ( from the financial institution ), and that the funds would not be available until XX/XX/XXXX. I have been given multiple reasons why a check from a different bank can not be credited to my account, and a multitude of dates as to when it will be available. I want this money credited to my account.
I have sended XXXX ( XXXX XXXX ) amount on XX/XX/2019 from XXXX, that amount debited from my account but not deposit to recipient account, i consult the no.of times to XXXX customercare but still pending my issue please help me on my issue.
I have a private student loan that I got from going to XXXX in Oregon. That school is now closed. I 'm not even sure that the degree I got is usable. I feel that I was manipulated into signing forms so that they could get paid. I was very young and I think they lied when I was signing these loan papers. I thought all student loans were federal at the time and would have a lot of repayment options. This is a private student loan and there are hardly any options for repayment.
American Education Services reported an inaccurate 30-day la te to the credit bureaus for the month of  XX/XX/XXXX  while my account is in forbearance. You will see in the paperwork I have attached that I am charged late fees and reported late in the same time periods that I am granted forbearance.  <P/>  XX/XX/XXXX  -  XX/XX/XXXX  Approved Forbearance period  XX/XX/XXXX - charged late fee  XX/XX/XXXX  - payment made  XX/XX/XXXX  -  XX/XX/XXXX  Approved Forbearance period  XX/XX/XXXX  - late fee charges  XX/XX/XXXX  - Payment made  XX/XX/XXXX  - AES reports 30-day late to credit bureaus during forbearance period.