WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XX/XX/XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found XXXX  XXXX reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, Please Help
On XX/XX/XXXX Application for Chase Ink Preferred Business Credit Card was submitted. I called today to inquire as to the status. I spoke with XXXX in the Lending Department and was transferred to XXXX at Chase Business Accounts. He stated the account was denied to too many accounts. I then stated I do have personal credit cards and the only way to apply for a business credit card is with the use of a personal SSN despite the line of credit being extended to the company and use of FEIN. I then asked if is there a reconsideration phone number, to which he said no Chase Bank does not have that, this in itself is most certainly untrue. 

I called the business reconsideration line, XXXX, and spoke with an individual there who too told me the same thing. I asked how was this decision made. He stated that it was a systemic response. I asked what exactly does that mean-what 's the definition that Chase has provided for this term. He said it means just that. I asked was this reviewed by a human or machine / auto gen response. He repeated that it was a system response. I asked how was this decision rendered. He said " the system rejected it. '' I asked if a person reviewed it and or called me. He stated they do not do that. This is not true as when I applied for my Chase Sapphire Reserve credit card a representative from Chase did call me to verify that it was me and had personally reviewed my account and stated that yes I was approved. I then asked was this systems response due to their " 5/24 rule ''. 

" If you have 5 or more new credit card accounts in the past 24 months from any lender, you will get automatically rejected, no matter how good your credit score is. This policy is called the 5/24 rule. '' After several moments of silence he continued the conversation and avoided addressing the " 5/24 rule '', he then stated that they do not personally review accounts which I know to be false and find this to be discriminatory. 

The problem with this rule does make exemptions for authorized user accounts as it can not denote the difference. In addition they stated they do not personally review accounts which I know to be false and find this to be discriminatory.
On XXXX XXXX, XXXX I XXXX XXXX, Minnesota XXXX, signed a deal from Chrysler Financial at XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX. With that I also traded in my XXXX XXXX XXXX. 
Because I currently receive workmen compensation ( WC ) I was allowed to come back on Friday, XXXX XXXX to pay {$500.00} down and provide the paper copies of my WC payments I received in XXXX XXXX. 

When my temporary license plate paper expired on XXXX/XXXX/XXXX, I called the dealership to find out about my permenant plates. At this point, I was told that funding had not been completed on the bank side. I was asked to verify why my check stubs stated vendor payment? I then reminded the dealership of my WC and provided my doctor 's note. 

After not hearing anything I was then contacted by the dealership XXXX/XXXX/XXXX stating that the bank needed tangible verification of my child support ( CS ) payments verses the screen shot I had sent. I then emailed over the my scanned paper statements for my CS payments that day. 

On XXXX/XXXX/XXXX, I was again contacted by the dealership to provide my bank statements. I submitted those by email that day. 

Finally, I was contacted on XXXX/XXXX/XXXX by the dealership stating that the bank needed a XXXX statement verifying my employment and WC. I emailed a copy that next morning. Now as of yesterday XXXX XXXX/XXXX/XXXX XXXX, the dealership informed me that I may need to return the vehicle. When I asked about my trade in vehicle, the dealership stated that they were not exactly sure where my vehicle was and that they could possibly cut me a check for the manufacturer price. They then informed me that it was not their responsibility in regards to my transportation. 

I am so confused and saddened by my experience with this car purchase. I do n't know what more to do.
I opened a personal checking account with BBVA Compass under a promotion that earned me a bonus after my first direct deposit from my employer. After XX/XX/XXXX I moved my direct deposits to another bank. On XX/XX/XXXX I received an email that I could earn {$50.00} just for setting up and receiving a qualifying direct deposit to my account ( it specifically mentioned last 4 digits of my account ). It said that I need to set up and receive your qualifying direct deposit ( s ) by XX/XX/XXXX to qualify and once one or more electronic direct deposits from an my employer or a government agency totaling at least {$500.00} post to my checking account BBVA Compass will deposit {$50.00} to my checking account within 60 days. 
I had 2 direct deposits of more than {$1300.00} post to the account. First one posted on XX/XX/XXXX and second on XX/XX/XXXX. Both these were from my employer. Few days back I called them about bonus and I was told that I have met the condition and my bonus will post within the 60 days from XX/XX/XXXX. I was told if it does not post then I should call them to get it added manually. I called them today and now they are saying I am not eligible for bonus as the direct deposit I received is from the same employer as last year! This is the most weirdest thing I have heard. Now they want me to change employer in order to get {$50.00} bonus! I tried to reason but to no avail. I asked the representative to connect me to a supervisor but after putting me on hold for sometime I was told all supervisors are busy and there is no one available to talk to me. I was then told someone will call me in sometime but nobody called me.
I am not a member of the armed forces, but I am a XXXX. I am complaining about the closures of my credit card accounts with Barclaycard Bank Delaware. I have XXXX accounts with this bank : 1 ) XXXX XXXX XXXX and 2 ) Barclaycard XXXX XXXX. I realized they closed my account on XXXX XXXX, 2016. According to California Civil Code 1747.85 " no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so unless the cardholder is or has been within the last 90 days in default of payment. '' I never received such notice, and the Bank confirmed via telephone on XXXX XXXX that a letter was mailed on XXXX XXXX that " immediately closed '' the account. I received the letter in the mail on XXXX XXXX, 2016. I informed the manager that I was not given proper notice and demanded the account me reinstated immediately. They did not grant my demands, even after citing California code. I talked with a XXXX on the phone on XXXX XXXX and he said he could not reopen the account and said the next step is to contact the Office of the President for more information for reinstatement. CFPB complaints are automatically reviewed by the Office of the President, so I am taking this route to continue to complaint.
KelKris ( XXXX Credit Bureau Associates ) drafted a Stipulation to Set Aside Default and for Settlement and Entry of Judgment to discharge a debt filed against me. The company 's attorney negotiated an amount of {$4200.00} with my attorney, I accepted it, and sent them a check in keeping with their instructions in the Agreement. Now they are reneging on it saying the {$4200.00} was in error. Now they are saying they want {$6700.00}.
This loan from XXXX XXXX has charged me more interest than I ever thought I would have to pay. For a XXXX dollar loan they are trying to make me pay back XXXX dollars. In addition, they took XXXX payments out of my account at the same time. I want to resolve this loan by paying the difference between XXXX and the XXXX that I have already payed, which would mean my balance should be XXXX. Please help me with this situation.
I have been a consumer with Kohl 's since XX/XX/XXXX-XX/XX/XXXX. I have been working very hard on my credit reports to get incorrect information removed. I see that Kohl 's has late payments listed that do not match my credit report.
XXXX XXXX XXXX incorrectly charged me on an old, probably inactive account and incorrectly billed me at a wrong address, per their own representative ( XXXX XXXX on XX/XX/XXXX per fax from him ). XXXX said the bills were returned to XXXX by the USPS as not received. 

I never received these bills. Unknown to me, my account went delinquent, and was charged off as unpaid XX/XX/XXXX and XXXX XXXX sold it to a credit collector. Upon notice from credit collector, I called XXXX XXXX, and spoke to XXXX XXXX, their XXXX, XX/XX/XXXX, who said he would pull my account back from credit collector and resolve it with me in house with documentation of a {$140.00} charge balance on # XXXX account. This never happened. 

This has adversely affected my credit and caused me to not be able to get a competitive rate to refinance our home loan under both my name and my husbands. Because of this negative effect on my credit due to this, to get a competitive rate, we had to leave my name off the mortgage loan. This puts me at a disadvantage for current and future credit needs in my own name. I have worked part time, while raising our children, relying on my husbands income. I have been diligent in keeping both our credit standings at excellent. It makes me angry that XXXX for XXXX XXXX has been unwilling to correct their errors, negative result on my credit bureaus, collection and return me to my previous excellent credit. Can you help me? 

I attach the fax from XXXX representative verifying this, along with documentation and communication, over the last 3 years, with XXXX XXXX, credit bureaus and collection agency to no avail so far in correcting XXXX XXXX 's original errors in billing. Please let me know how to proceed and if I can provide you with any other info. Thank you for your help
Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert  email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX  is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX  credit history and legal actions will be taken. I have prove of what I said above about XXXX NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.
I have a HSA account with hsabank, a division of Webster Bank N.A. from my prior employer. My new employer offers the high deductible medical coverage with a HAS account and it turns out my new employer also uses hasbank. In early XXXX of 2016 I called hasbank and requested they transfer the remaining funds from my prior account to my new hsa account with my new employer. The hsabank customer service representative took my information and submitted the request. As of XXXX XXXX, 2016 the transfer has not taken place. I have call hsabank several time to ask why and the customer service representative was very nice but they could not tell me why the transfer had not taken place other than to say that they were several month behind in processing requests.
When I was a XXXX in college, my identity was stolen and used to purchase properties with what the FBI called " straw mortgages '' by XXXX XXXX and XXXX XXXX. They did this to several people and you can google their names to read about the federal case. GMAC Mortgage was one of the mortgage lenders who gave me ( an XXXX year old working part time who claimed $ XXXX on her last tax returns ) a loan without properly verifying my identity or my ability to repay. After several years of fighting my case with both GMAC and the credit bureaus ( not to mention the thousands of dollars spent on my legal fees ) GMAC finally consented on XXXX XXXX, XXXX that this loan was not my responsibility and they would, " have the credit reporting amended and remove your involvment with the loan servicing activities. " Subsequently, they sold this loan to Ocwen Loan Servicing. Since then, I have been harrassed to pay off this debt. When I first discovered they were negatively reporting to the credit bureaus and mailing my parents threatening statements back in XX/XX/XXXX, I contacted the company and provided them my current address as well as all the documentation from GMAC stating that I was n't responsible for the mortgage. They removed the negative credit lines. Then in XX/XX/XXXX they started reporting negatively on my credit again. During this time period, they continued to mail statements to my parents address multiple times a year. Again, I contacted the comopany and provided my current last name, current address and verification that the trade line was n't mine. On XXXX XXXX, XXXX Ocwen sent me a letter confirming that they acknowledge the loan is not my responsiblity. This letter was sent to my correct last name and address. However, to this day my parents are still forwarding me bills and insurance statements mailed to the incorrect name to the incorrect address. Besides the fact that they 're mailing personal information to the wrong address after being provided the correct one, I do n't feel like I should still be receiving statements for this loan at all. It was not my responsiblity. I have nothing to do with this house or this loan. I was a victim of identity theft. It has been 11 years now and cost me thousands of dollars and I 'm still fighting this because mortgage lenders were too greedy to properly verify income or ability to repay so they gave an XXXX year old college student hundeds of thousands of dollars in a mortgage. 
I want my name to be removed from this loan file and I want any future correspondence to be mailed to the correct address.
XXXX Account : XXXX is a fraudulent account and has been disputed with both the creditor, The collection agency representing the account, and the XXXX major credit bureaus. I have provided proof of identity theft report filed by local law enforcement agency to all entities mentioned. The collection agency XXXX XXXX has since remove the collection account however, the creditor itemized account in association with this collection is still listed as a " charge off '' with equifax. I have disputed this item with the credit bureau Equifax and was advise that they were able to verify the information as accurate with the Grantor XXXX. I have contacted XXXX directly regarding this issue and was advised that the account does not exist in their database system and was referred back to the collection agency to handle this dispute. After speaking with XXXX XXXX today, I was told that they have do n't their due diligence and they only control reporting issues generated on their end. Needless to say, the item is still listed on my report by XXXX and I am disputing it once more.
On XX/XX/2018 I entered into a payment arrangement to settle an unverified debt. The agreement was for a specified automatic withdrawal amount which was deducted every month since the agreement which included the cease of any further collection activity and or any negative reporting on my credit report. On XX/XX/2018 I was informed by a credit monitoring service that a collection account was reporting.
I co signed for my sisters apartment. I agreed to help her with her first year. After the first year my mom, and my sister went into the rental company, and told them to take my name off. That i didnt want to be on it for the second year, and that I wasnt going to sign again. They told my mom and sister, no worries he doesnt need to. At that point my mom offered to go on the lease with her to replace me as well. They told her she was not needed either, all payments were made on time, and my sister was fine. The rental company clearly knew I wasnt ok with being tied into the lease agreement for a second year. My sister got in legal trouble towards the emd of the lease. The rental company calls me saying i am responsible for the place and that I need to come get her stuff. I made it clear then I was to be removed from the lease. They started to argue with me so I went in in person. They told me they just wanted to get her stuff out that they were not going to come after her to collect on the lease. So I dropped it and removed her belongings from the apartment. Well a couple months later I get a bill for XXXX + dollars. I called immediately and was given the run around again. I asked for a copy of the lease they said sure come pick it up. I drove the whole way to them, and they said I cant have a copy of the lease. They also refused to give me a copy of the move out report from my sisters roomates for the first year she was there. As alot of damages that were on this bill were done by them, as well as my sister. They could not produce those documents either. I told them I wasnt responsible for the debt. I have told the collectiom agency the same story, and the gentleman on the phone tried to threaten me. Saying I will mo longer be able to buy a home, or a car with my credit of I dont pay. Which is a total lie and made me angry. I secure loans for people for a living other than this mess i have over XXXX on time payments on record without XXXX late payment. I pay MY debts. However this collection needs removed from my credit immediately.
I closed my checking account with Huntington Bank XX/XX/XXXX. After discovering they prevented another payment from going through, causing me to pay another late fee. Also in XX/XX/XXXX, I had gone to the Social Security Office for another matter, when I found that Huntington Bank had told Social Security that I had two checking accounts with them, I never had two checking accounts, Huntington close my checking account then reopened it, why they did that I don't know, I never got the answer. Their actions caused me a problem for me with the Social Security Office,  they thought I was deceiving them, that I had extra money I was trying to hide.
I check my credit report and there is an account from Wakefield & Associates reporting as a collection account. The account number is XXXX for {$1300.00}. This does not belong to me. I have been a victim of identity theft. This company has not contacted me or sent me any kind of communications so that I could inform them that the account does not belong to me. They just posted it on my credit report.
In XXXX of 2017, I provided the Equifax, XXXX and XXXX with documentation sent to XXXX XXXX XXXX ( a debt buyer ) requesting verification of an alleged debt which was being reported to the bureaus by them, including : 1 ) signed agreement between them and creditor granting them authority to collect on alleged debt ; 2 ) proof of assignment or sale of alleged debt from original creditor to them ; and 3 ) complete payment and accounting history of alleged debt. I requested that the information be furnished within thirty days, or the account removed from my reports. In XXXX of 2017, I submited additional correspondence to XXXX XXXX XXXX informing them that they had failed to comply with my verification request, and, as such, the item should be removed from my reports immediately. I provided copies of all correspondence between me and XXXX XXXX XXXX to XXXX, XXXX and Equifax on XXXX XXXX, 2017 ( see attached ) and requested that they remove the item from my reports. In response, all XXXX bureaus opened disputes on my behalf, and all of the disputes have since been closed by all XXXX bureaus based on statements they received from XXXX XXXX XXXX stating that the debts had already been validated. I contacted each of the bureaus and asked how the investigations were conducted, and I was advised that they notified the XXXX of my dispute electronically, and in return, XXXX provided a statement certifying that the account had been validated. I requested copies of the communications between them and XXXX ; however, each agency advised me that they were unable to provide me with copies of any electronic communication sent or received from XXXX. I voiced concern to all XXXX agencies expressing, what I feel is, a conflict of interest between them and XXXX XXXX XXXX ( and all other debt reporters ), since these reporters pay a fee to establish an account with them and are required to pay additional charges each month in order to maintain the ability to provide reports to them concerning consumers. I advised the bureaus that this conflict of interest, in my opinion, would make it non-beneficial to them monetarily to have inaccuracies removed from a consumer 's credit report, since removal of these items could possibly result in the closing of a reporter 's account with them and a possible loss of revenue on their part. I further advised them that I felt their investigation process was discriminatory because of this, and did not allow consumers the right to a fair and impartial investigation, especially given that all they required from XXXX XXXX XXXX ( and other reporters ) was a response to the dispute. I do not feel these agencies did their due dilligence in investigating my claims, and I also feel that the conflict of interest that exists between them and reporters who are paying for their services will prevent them from ever doing so. As such, I would like proof of the certifications and any contracts or assignments provided to them by XXXX XXXX XXXX proving my legal liabilityto them for the alleged debt they are reporting against me, and in the absence thereof, immediate removal of this item from my report.
A collection agency XXXX XXXX XXXX got my father 's name, social security number, birthdate, and incorrect address from their client. With the incorrect address they never received the bill. The collection agency then reported it on my credit report. Not my birth date and how did the agency get my social security number? How can Experian not catch the wrong birth date that they put on my report. I am very upset with so many failures between all XXXX company 's.
This is a fraudulent account on my credit report, the FEDERAL TAXES/ IRS have already satisfied this negative remark on my acct as being paid off, please remove this, also a STATE TAX LIEN should n't be on my report, another fraudulent activity on my credit report.