WillisBack/dataset-financial-user-claim huggingface dataset:
I have a bank debit/credit card from Jp Morgan Chase. On XX/XX/XXXX there were 3 charges from a XXXX  in XXXX XXXX. Card was never out of site or possession. It took 10 days to get replacement. You used to be able to go to branch, show ID and get new card. On XX/XX/XXXX, I was up late posting on one of my websites when I see a XXXX charge from. XXXX in California pop across my screen. I immediately call the number on my card. While I am on the phone, I go on my computer and see a second non authorized charge in Delaware and a XXXX cent charge and credit? While I am talking to agent inXXXX I get text from bank re calif XXXX charge, I reply NO, and continue with agent on phone who advises me 2 other attempted charges were made. I have card in front of me. It has not been out of my sight. At this point, I ask if Chase is having Internal Fraud, as having this happen twice in less than 2 months is a bit odd. They know nothing. Well, it, s XXXX. They promised they would expedite card, so I could get gifts, which I did not receive. I also have aotomatic payments being declined for second month in a row. And holidays have pretty much been ruined. And no reply as to what is goong on at bank. Help!!
On XX/XX/2015 I went to the Car Max dealership looking to buy a car. I purchased a XXXX. The sticker price on the car was {$13000.00}. The interest rate was 8.95 %, which I felt was way too high. Also, the price of the car I feel was very high. Amount financed was {$16000.00}. Total of payments was {$21000.00}. Financed for 72 months at {$290.00} per month. Also, put {$500.00} down and purchased a warranty of {$1300.00}. I am a senior citizen with only {$1400.00} per month.
I applied online for an installment loan and was approved for a {$2000.00} loan. Upon trying to get the loan they want me to put my car title up for collateral in which i disagreed. I asked for an unsecure loan. The branch manager in XXXX, OH denied an unsecured loan based on some derogatory past credit cards. The credits are not in my name and i am just an authorized user and they want to base thier claim on someone elses credit card history.
Ditech sent me " resolution '' that not right to my case. i did not complain about {$500.00}, and {$770.00}, that they never took from my account. I do ask about {$800.00} I paid on XXXX/XXXX/16, and and {$800.00} I paid on XX/XX/XXXX. 
Please I am waiting for the answer. 
XXXX XXXX XXXX/XXXX/16
Hi I have a homedepot credit card ( citi bank ) with a XXXX dollar limit. I been building a new house and came got into some financial problems. I been making payments until I could n't afford to make the minimum payment The interest and penalties just kept piling up. I just recently started work ( XXXX 2015 ) I had my wife go down to homedepot to talk to customer service to make payment arrangments. they agreed if we paid the credit card off within 6months we would n't have to pay any interest or penalties, So she made a payment of XXXX dollars. Making that payment should of had a balance of XXXX. but when I look at the statement on internet it had a balance of XXXX. I call customer service they said they have no records of the agreement. please help me and give me advice on what to do, if they can ; t get this resolved I do n't want to have any thing to do with citi bank or homedepot credit cards. anymore
Spoke to an escalations analyst on XX/XX/19 who stated that an executive administrator would give me a phone call on XX/XX/19 in regards to the numerous concerns that I have informed Capital One of. As of XX/XX/19, I have still not been given a phone call.
I sent a complaint on the  XXXX  of  XXXX  already, experian is the credit bureau that made a statement about  XXXX  Americans make debts and lie to get out of it. I have tried on numerous occasions to prove to experience this is not my bill. No money was left, there was no estate the person passed and before passing was on government medical and retirement a very small income. I myself is on the same income except mine is a   XXXX   and   XXXX    XXXX . There was no accidental or life insurance polices. Why and how any  XXXX  got my name and information was fraudulent. I 'm not responsible for this bill and because of the remark about  XXXX  Americans is unfair and is   XXXX   which is against the law.
In XXXX XXXX, I leased a vehicle that was financed via USBank in XXXX WI. At the time I assigned my low number Massachusetts registration plate to them for the term of the lease ( XXXX XXXX plate # XXXX ). 
On XXXX XXXX, XXXX I returned the vehicle to the dealer and asked them to be sure to have the bank reassign the plate back to me. The dealer gave me a form USBank faxed them showing that the lease had been paid off. ( For some reason they could n't fax a form releasing my plates. ) On XXXX XXXX, XXXX when I went to the Massachusetts Registry of Motor Vehicles to reassign my registration plate to another vehicle, I was n't able to because I needed a letter from USBank, on their letterhead, stating they were reassigning this plate back to me. The Registry Branch Manager was going to allow the bank to fax the document directly to them, so I called USBank. They told me they that their procedure for this did n't allow them to fax the document, and that it would take approximately seven ( 7 ) business days plus the time it took for the post office to deliver it to me. 
I told the person who answered the phone, then the supervisor I requested that this was unacceptable, and it was going to hold me up from registering another vehicle for approximately two weeks. They said they " understood '' by situation, but there was nothing they could do. 
Today I am sitting here unable to assign my plate to another vehicle because their policy is causing delays. It seems their " customer service '' ended once I paid off the lease. I do n't feel their procedure is reasonable if their customers ca n't get access their own plates for two weeks after the lease is paid off and the vehicle has been returned. If they could fax XXXX form to the dealer when I released my vehicle, why could n't they fax a second form? ( Where the Bank knew I wanted to keep my registration plate when I leased the vehicle, they could have done this OR left a second form with the dealer when I leased the vehicle, reassigning the plate back to me at the end of the lease - instead of making me wait two weeks! 
I would like to see the bank more responsive to the people they serve, and I would like to see this impractical bank policy changed so that in the future customers do n't have to wait two weeks like I am now waiting to get access to my plates again. 
SOME BANKS HAVE GOTTEN SO BIG THEY HAVE FORGOTTEN THE PEOPLE THEY SERVE! LETS BANK HUMAN AGAIN! 
Thank you.
Loan XXXXSecond complaint regarding SLS, and their inability to properly calculate my monthly payment as agree in a modification to a Heloc XXXX 2015. My monthly payment as agreed for 36 month is {$290.00}. I filed a complaint previously upon receipt of a statement claiming I owed {$580.00} per month with an amout past due of XXXXand some in suspense, for a total of {$1200.00}. Sls reviewed and removed past due amounts, but sent me another statement claiming I owed {$580.00} for the XX/XX/XXXX payment, yet their automated system says I owe {$55.00}.
Agreed to a rate reduction program on the basis that my account would not go any further negative once i started making the qualification payments.Instead they kept reporting it getting further and further delinquent even after i made all the qualifying payments. When i brought it to their attention they just told me to keep paying and they would investigate it further. They took over 3 months to even address the issue. I made several contacts to them asking about the status of this and always got a response saying they were still working on it. It was not until i told them i was stopping my payments that they, all of a sudden, came to a resolution about fixing it. They did fix the initial issue after 3 months but by that time my cosigners and myself had already had all cards and such terminated due to this huge error. Now, since i stopped paying, the refuse to bring my account into current standing. I only refused to pay so something would be done! This all stems back to when i originally set up the plan. At that time i agreed to the plan and paid the qualifying payments like i was supposed to and they didnt hold up their end by telling me i wouldn't go further delinquent. So i felt it was fair for me to stop making payment after they clearly violated our agreement and thought nothing of it, since they waited over 3 months to come to any resolution on this issue.
I was contacted by XXXX XXXX ( XXXX XXXX ) at QuickenLoans ( who got my name from XXXX ) as I was interested in finding out more about mortgage rates. During our conversation it was never made clear to me that he would be checking my credit and providing a pre-approval letter. I never gave my written or verbal consent to have my credit checked.
My father deceased on XXXX XXXX, XXXX. I was appointed Personal Representative/Executor of his estate on or about XXXX XXXX, XXXX. A review of his assets that a woman who maintain that she had been a care giver to my father was found on his PNC Checking Account. Further review and discovery revealed that the joint account had been created through repeated forgery of his signature. 

XXXX XXXX XXXX issued a refund check to his estate on XXXX XXXX, XXXX. The woman then took the check from his mailbox unit. Signed the check, once again forging his name to deposit and cash the check in another PNC Account. PNC Bank was altered to the matter, and sent proof of the forgery [ See Attached XXXX XXXX check in the amount of {$490.00} dated XXXX XXXX, XXXX ]. However, they are refusing to take any action as other evidencing documents obtained show that a PNC Bank Manager may have assisted the woman in creating the fraudulent the account. Therefore, an investigation is being requested in this matter. With a forensic handwriting analysis report obtain, available for investigation review.
I applied for a loan modification with OCWEN over a year ago and was granted a loan modification. And then they sent me something in the mail indicating that it was a trail period and the payments would be {$1400.00} before that the payments were only a {$1000.00} and I completed the trail process and for the third time they had some loan monitor from XXXX tell me that I did not complete my paperwork. This continues to be OCWEN 's answer when asking where is my documents to finalize the loan modification. I had to file Bankruptcy against my better wishes just to save my home. I completed the repayment plan and OCWEN received monies for back payments monthly. When I called on XXXX XXXX, XXXX to discuss the process for receiving monthly statements I was informed that I was not entitle to a change of address : ( from my XXXX XXXX to my Home ) address. OCWEN after eight months or more finally produce some loan modification forms that they forward to an attorney that is not my attorney : XXXX XXXX XXXX. I continue to await for the loan modification forms and monthly statements. I want to keep my home and I want to make the monthly payments at {$1400.00}. On XXXX XXXX, XXXX I received two calls from OCWEN and they stated that they were debt collectors. It was so hard to understand when they were saying due too their strong accent. For many of years this has been an ongoing problem with OCWEN they give you false hope on trying to help their customers. I have been a victim and it appears that they continue to hold me hostage with their illegal mortgage practices. I have also followed up and contacted Congresswoman XXXX XXXX and XXXX XXXX for additional assistance in getting this right. OCWEN has poor lending and mortgage practices.
In XX/XX/XXXXI had a dispute with XXXX XXXX XXXX XXXX about a fraudulent credit card some unknown person obtained in my name. After establishing that this was a fraudulent account eventually XXXX XXXX XXXX removed it from my credit report. 
However, maliciously in bad faith after I advised them that due to their derogatory statement on my credit I was turned down for credit, instead of canceling such fraudulent account, XXXX IN XX/XX/XXXXsold it to PORTFOLIO RECOVERY ASSOCIATES whom started to show this as a new debt and new default with new collection account for {$1300.00} as of XX/XX/XXXX. 
I have repeatedly advised PORTFOLIO RECOVERY ASSOCIATES that it is improper and illegal to state this to be a new derogatory default as of XX/XX/XXXX and it causing me a serious problem of turning down for essential items to be purchased, PORTFOLIO RECOVERY refused to remove this illegally and in bad faith showing derogatory item from my credit.
I purchased a 2010 FJ Cruiser from XXXX Toyota XX/XX/2010 in XXXX AL. ( XXXX XXXX - at the time ) The original contract was through XXXX, was to include an extended warranty ( Tender Loving Care ) on the vehicle. I out after a week that the loan had to be financed through XXXX XXXX XXXX. Somehow the warranty was canceled and never activated. 
I do n't remember doing this ... I always take out these warranties! He could n't show me the paperwork! Paperwork was never sent to Toyota to cancel the financing for it and I assumed that I had the warranty. 
The car was taken in for service and they said that the warranty was n't effective which alerted me to the problem. The vehicle was paid off and I approached XXXX Toyota about refunding me the amount and they said the financing company owed it to me. I called Toyota and they said XXXX Toyota owed it to me. XXXX was never paid for the warranty ... I paid for it through my monthly payments ... in full! 
I have the paperwork to back things up ... I also did n't know they had cancelled the Road Hazzard for my Tires!! {$300.00} How can I get this amount back?? {$2200.00} XXXX XXXX
Called XXXX and the associate told me that as far as she can see all my payments are made on time and are current. The date on my bank online credit monitor says date last reported as XX/XX/2015 and stated that I have 1- 30 day late which is this month she should see something. Also this account has autopay which would also make this impossible. She said that She could give me copies of statements but could not transfer my call or other wise resolve the dispute. My Phone is XXXX email XXXXXXXXXXXX
i switched from using XXXX XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. i got a collection call from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX claiming that i owe XXXX XXXX XXXX {$1200.00}. i explained them why i only owe {$800.00} anc they settled the debt with me for that amount in 4 payment. i've paid it in full by XX/XX/XXXX. on XX/XX/XXXX ive got a call from sunrise credit services claiming that i owe them {$400.00}. i explained them that i setteled the account with gatestone and that i dont owe them anything.now theyre reporting the item on my credit report and even when i call them and offer to pay ( a debt that i dont owe! ) theyre not willing to remove it from my report and saying the damage is done no matter what we'll keep hurting your credit score.i dont know what else to do ive called them over 6 times offering to pay whatever balance they think theyre owed but theyre not willing to remove it from my report and are reporting debt that is not mine.
Recent breach of security at Equifax has leaked personal identifying data - furthermore it is data that simultaneously identifies and authenticates me to services that are central to my well-being and quality of life. 

Because of this breach and the extremely poor systems they have in place to mitigate damages as well as monitor and prevent abuse of that information I am forced to initiate a freeze on all credit and banking systems for an unforeseeable amount of time. 

This is a massive inconvenience for utilization of the systems they postured to place so central to modern living. On top of that inconvenience, however, I am forced to pay Equifax to protect me from the problems they have created. As long as a freeze exists on my credit and banking systems I will be paying to temporarily thaw those accounts. This can extend to several years and be done an unknown number of times. Unfortunately, the alternative is to leave everything hanging in the open and available to exploit.
In a letter to XXXX XXXX dated XX/XX/XXXX, I explained the circumstances of two late payments from XX/XX/XXXXand inquired if it would be possible for a good will adjustment as my account has since been paid off and in consistent good standing for the past five years. In the letter, I took full responsibility for the late payments and never disputed the fact that they were late. After receiving a response saying that after an investigation, the report is accurate, they placed a comment on my credit report that I dispute the information. I do not wish to have this notation, as I never disputed anything. I just wanted to see if it would be possible to remove the late payments after paying off the debt and keeping the account in good standing for several years. I once again reached out to XXXX 's to remove the dispute comment but it has never been resolved. I fear that as I prepare to apply for mortgages, creditors will be weary of any sort of dispute seen on my credit reports.
recieved call on XXXX/XXXX/16 from MIDWEST RECOVERY SYSTEMS telling me that the local district attorney office had a warrant for my arrest and would be arrested and sent to jail today for a pay day loan check that is 11 years old.of course no one came and was only a scare tactic. the DA told me they dont take payday loan cases by texas law.
Ditech Financial LLC f/k/a Greentree services my XXXX mortgage. 
During XXXX we have paid Ditech {$35000.00} in payments that they have neither credited to our account nor refunded to me. 
We have sent them multiple letters requesting an accounting or refund of these amounts and have received letters saying they are " looking into it '', but no resolution to date. 
These payments were made beginning XXXX XXXX, XXXX, so they have been holding, and presumably diverted, my funds for at least 8 months.
Capita l One Closed my accou nt and started reporting negative credit information on me. All of this was done while they were telling me to pay the card. They charge me an exorbitant amount of fees that I disagreed with because they mailed invoices and notices to incorrect address but penalized me for there mistake. Moreover, their fees pushed my card over the limit repeatedly. Additionally they made me personally responsible for the card when it was a corporate card. Thereby, causing great harm to my credit profile, causing it to drop more than  XXXX  points.
Equifax is willing reporting fraudulent information on my credit report. They have responded that they are working on the issue but that is not true. They have put me through the same dispute process I have already completed. They only ask the creditor to verify the accounts which are fraudulent to which the creditors have removed them from my XXXX  and Equifax report because they were fraudulent. I presented this information to the FTC and not Equifax is marked as being non-cooperative and has been flagged for further investigation.
Commentity Bank allowed someone to open an account in my name without any type of verification. Or proof of identity like an Drivers license or state ID.
According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract with the company. I have sent letters for validation to this bureau and they have not provided me with proof that this account belongs to me. The company name is XXXX, account # on file is XXXX ... .. The credit bureau is reporting inaccurate information and I have no knowledge of this account. I have not signed for an auto loan. Under the FCRA, unverified accounts must be removed and if the bureau is unable to provide me a copy of verifiable proof, they must remove the account.
I have previously submitted disputes to Experian and they did not investigate the identity theft properly or attempt to resolve my complaint ... I have attached all the fraud forms including police report to get the following accounts deleted from my credit report ASAP. 

The accounts in dispute are : - XXXX XXXX XXXX - Amt Obtained {$460.00} FRAUD - XXXX - Amt Obtained {$3600.00} FRAUD - XXXX Card - Amt Obtained {$1100.00} FRAUD - XXXX Card - Amt Obtained {$1700.00} - FRAUD - XXXX XXXX XXXX XXXX - Amt Obtained {$11000.00} FRAUD - XXXX Personal Loan - Amt Obtained {$13000.00} FRAUD - XXXX XXXX/XXXX - Amt Obtained {$10000.00} FRAUD - XXXX XXXX XXXX - Amt Obtained {$7000.00} FRAUD
On XXXX/XXXX/XXXX at roughly XXXX PM I was contacted by XXXX XXXX XXXX and was told to verify who I was by my last four of my Social Security number. I asked for the name of the company that was calling me and was told I could n't get that information until after I had verified the last four. I refused to give that information out and the representative proceeded to state my Social Security number. 

I told him I wanted to speak to his manager. I get his manager, XXXX XXXX, and was repeatedly talked over and yelled at all the while trying to get their address. He refused to give it to me. I did verify that the company 's phone number was XXXX XXXX XXXX XXXX. I then asked to speak to his manager. 

I was transferred to a colleague of his, XXXX XXXX, and I asked for their address. XXXX XXXX repeatedly talked over me and would n't answer the question unless I verified my last four of my Social Security. He kept refusing to answer the question and hung up on me when I asked to speak to his manager.
I have requested a copy of Notice of Assignment, Sale and Transfer of servicing rights for my home loan account. I have still not received this notice. I am looking for the assignment reported to XXXX XXXX for the complete transfer of rights from Washington Mutual to Chase. 
I also am requesting details of who owned my mortgage while CHASE was servicing this loan.
I opened an account with XXXX XXXX XXXX shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from XXXX XXXX XXXX informing me that my account was being closed due to fraud. I never committed an act of fraud. XXXX XXXX XXXX has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with XXXX XXXX XXXX for the past 3 years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX systems directly but they report that XXXX XXXX XXXX is standing by the fraud claim with no evidence to substantiate the claim.
Wells Fargo continues to report an unresolved auto loan balance on my credit report that is not my responsibility. I have contacted Wells Fargo about this on numerous occasions, and provided them with the court documents which transfers the liability, but they refuse to take action.
Name of Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, KS XXXX XXXX : NET PAY ADVANCE Amount : {$1200.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.