WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan with XXXX XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX  XXXX/XXXXwith no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
My debit card, credit card, vehicle, and ID were all stolen from me on XX/XX/18 going into XX/XX/18. I was in XXXX XXXX for the next few days and a women stole my card along with my debit card number. All of my transactions from XX/XX/18 to XX/XX/18 were not me aside from one drink at tropical isle on XX/XX/18. 
I have two case numbers for two different amounts. The first is XXXX and the amount was XXXX. The second is case number XXXX and that amount was XXXX. I called and made a police report later when when my parents drove from Fl to XXXX XXXX to get me several days later. Police fraud phone number is XXXX XXXX XXXX. The officers name is officer XXXX badge number XXXX. The case number is XXXX. I was on several different news stations along with the XXXX Fl police department posting missing posts about me. I also have chief XXXX XXXX number which is XXXX. My number is XXXX. All I got back was an email with a do not respond saying that they didnt believe any fraud happened. I have several cops, and proof of my stuff being stolen so I dont understand how they came up with that assumption. My stolen car case number is also XXXX.
I have tried to dispute the chase account on my Experian credit report and they have not taken it off my credit report when this account has already been determined by the FTC and a few other federal investigation bureaus as a fraudulent account. I don't understand why experian is taking this long nor do I understand why they have not erased it. However my other two credit reporting bureaus have already taken it off and blocked it.
XXXX This is not associated with me and I have been fighting these since I found out. 
Disputed Inquiry : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I paid my auto loan on the website and received an email to my personal account with an alert stating that it was suspicious. I will like to know if a third party is receiving my payment.
Approximately 2 months ago our family members and in-laws began receiving telephone calls from a man identifying himself as XXXX XXXX on their personal and private, never publicly published numbers. This included business telephone numbers of cell phones for inter-company use. The man would ask for a family member by first name as if he were an old friend, he refused to provide his true name and company he worked for. He was extremely rude and hung up on family members who continued to ask for this information. He also threatened to have his telephone number blocked if we continued to call him and ask for this general information because he " did n't have business with us. '' After our own investigation, we discovered this man works for CU Recovery, a debt collector in Minnesota. Our family member also recently received a forwarded letter from CU Recovery stating they were attempting to collect over {$8000.00} worth of debt from an auto loan that is over 15 years old, no longer collectible or owed by all applicable state and federal laws, and the vehicle was repossessed and resold at auction from this family member over 15 years ago.
I am trying to retrieve my credit report. They stated they have nothing to do with retrieving it. I should contact you.
I have been review my credit report and came across an account from Wells Fargo that is not mine. I called Wells Fargo and would not provide any information of that account to me. This account is not mine and should be removed from my credit reports.
XX/XX/XXXXWelcome to Card MembershipWe are pleased to let you know that your application for the American Express ( R ) XXXX Card has been approved. We hope you 'll enjoy the benefits of Card Membership. 
As of XX/XX/XXXX I have not received my card. 
I made numerous call to American Express, and I was promised a card.
I filed a complaint that was only partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. 

I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX actually owes me {$1100.00} in overpaid interest.
On XXXX XXXX, XXXX, I applied for a XXXX XXXX  Rewards credit card from Chase Bank. I applied for this card after clicking on an online advertisement ( to the best of my recollection, it was an ad on XXXX ) offering a promotion for new card applicants to receive XXXX XXXX Rewards bonus points if they spent {$2000.00} in the first two months of using the card. 

I remember the terms very clearly because it was the *only* reason I applied for this card. I already have three other credit cards and had no need for a fourth, but these terms were attractive enough to entice me, in part because I travel often on XXXX and was about to book a flight that would put me near the {$2000.00} spending requirement. 

I applied for the card and was quickly approved - I booked three round-trip flights for my family the same day. I received an email from Chase with the terms of my card agreement, but nowhere in the documents did they confirm or explain the terms of my promotional deal. 

Over the next two months, I made a point to continue spending with the card to ensure I reached the required {$2000.00} threshold. I also continued to see advertisements for similar deals, promising big bonus points for signing up for a new card. ** I waited for the points to post to my account, but they never did, so I called Chase Bank today. 

A Chase customer service rep told me that the deal I had in fact signed up for was much smaller : only XXXX bonus points if I spent {$500.00} in the first month, plus a {$200.00} credit on my statement. The Chase representative said I may have clicked on the wrong offer inadvertently, but I do not recall at any point seeing those terms offered as an alternative to the much larger deal. That would not have been enough to entice me to open a new card I did not need. 

She also offered no explanation for why I would n't have been eligible for the bigger reward, which was certainly being offered at the time I signed up. Instead, she said there was nothing she could do. 

I believe Chase used unfair and deceptive tactics to earn my business, and is now refusing to honor what I believe I am owed, despite my being what I consider a model customer - paying my bill on time and continuing to regularly use the card. 

**I have attached a copy of the card agreement I received from Chase, with no mention/explanation/confirmation of any reward terms. I have also attached an email from earlier in the year with an advertisement similar to the one I recall seeing many times and eventually clicking on. The image in the add is the XXXX XXXX Rewards Plus card, the same card I now have.
I am a cardholder with Best Buy Credit Services and I was automatically enrolled into a debt protection service without my knowledge and I have been being billed on a monthly basis. I rarely look at my statements and noticed it today when I was paying my bill. Upon contacting Best Buy at XXXX, I was told that I was enrolled since XXXX/XXXX/2011 and have paid a total of {$150.00} into the program. I am requesting a FULL REFUND of this amount, in addition to any interest that I may have paid on top of this amount.
I financed a new XXXX XXXX XXXX through Ally in XX/XX/XXXX Payments did not begin until XX/XX/XXXX. I have included my personal bank account statement history to show all of the payments made to Ally. I have also included my online account through Ally showing the payments and dates the payments from my bank went through to Ally. Finally, I have also included the accounting statement from XXXX in the XXXX XXXX for Ally. It is quite apparent my payments have not been applied correctly and according to the Federal Accounting Standards. 
I have been consistently ahead on my payments, month after month, since XX/XX/XXXX. I had one late payment in XX/XX/XXXX but was still paid ahead. One can see how much I have paid ahead on the accounting summary in the Pmt Due ( payment due ) column. The problem in the accounting on my account occurs in XX/XX/XXXX. My Pmt Due was {$15.00} while the monthly scheduled payment was {$470.00}. This means by this time, paying over every month had put me ahead {$450.00} ( {$470.00} - {$15.00} ). I paid {$500.00} on XX/XX/XXXX, putting me ahead {$480.00} ( {$450.00} + ( {$500.00} - XXXX ) ) for the XX/XX/XXXX payment. Instead of making my payment due for XX/XX/XXXX {$0.00} and applying my {$500.00} payment made in XX/XX/XXXX, Ally added the {$15.00} I owed in XX/XX/XXXX to the XX/XX/XXXX payment making my payment due {$480.00} by XX/XX/XXXX. My {$480.00} disappeared. I lost my car to flooding during Hurricane Florence on XX/XX/XXXX. When I logged on to my Ally account to make sure my XX/XX/XXXX payment was covered, my account showed {$0.00} payment due. I knew I was ahead over a full month 's payment so I cancelled my online automatic payment and verified through my online account. I tried to log on to my account the end of XX/XX/XXXX to make sure my insurance payments were going through appropriately, but my account was closed. To this day, Ally insists I still owe them money. The last notice I received of payment due was XX/XX/XXXX for {$87.00}. Ally has been taking monthly scheduled payments out of my insurance settlement to continuously apply funds to finance charges even though my insurance company ( XXXX ) sent payment on XX/XX/XXXX ( I have attached the payment confirmation ). Ally owns my GAP insurance company, and the accounting statement somehow shows GAP was paid the day after my total-loss claim and over a month before my insurance settlement was paid. I have tried to communicate with XXXX who provided me the accounting document. He interrupts me, tries to give me bogus reasons for my account being wrong, and has hung up on me after me asking him to not interrupt me so I could explain my problem. I would really appreciate help with this situation.
XXXX from IQ Data International contacted us ( XX/XX/2019 at XXXX ) trying to ask about all of our personal information. My husband hung up on him and he called me back and told me I made my husband hang up bc I was in the background telling him not to give our personal info to someone we dont know. I asked for a bill and he refused and said if I didnt want to pay my debt then it would ruin my credit and I told him that I didnt say I wasnt paying it I asked for a bill, the entire time he kept talking over me and telling me how this was going on my credit report. 

He kept yelling and talking over me so I asked for a supervisor. XXXX XXXX came on the line and was still rude to me. She said if I wanted a bill I had to request it via mail and I said I never heard of it being done that way and she was just making me feel horrible because I said Ive never heard of someone asking you to pay a bill but wont send you a bill. I asked for the address and other info needed and when she told me my account number I asked if it was alphaneumeric because I couldnt tell if she was saying H or 8 and she was, you guessed it, rude. I asked my husband if he heard H and he agreed it sounded like H then I asked for the amount owed and she was rude again telling me that the amount today is less than the amount tomorrow. I asked her to confirm the amount of interest and again, rude. 

I understand theyre trying to collect a debt but I dont understand why theyre so incredibly rude about it from the start.
Dear Sir/Madam i had contacted EQUIFAX Credit Agency many times and they didn't care about consumer, i have a fraud on my credit and most inquiries has been removed already i had contacted many times XXXX XXXX XXXX XXXX to remove 2 unauthorized Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 by XXXX i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof ( Two Letters ) from creditor to remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago with no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry XXXX/XXXX XX/XX/2018 - XXXX/XXXX XX/XX/2018 Note : what is the Equifax Problem if i has letter from who run my credit to remove Unauthorized Hard Inquiry So Please ask Equifax Should care little more about consumer establish credit life in US and remove this two hard inquiry XXXX/XXXX XX/XX/2018 - XXXX/XXXX XX/XX/2018 XX/XX/2018
I was charged a late fee by Bank of America for paying the credit card late by just 2 days. Instead of XX/XX/18, I paid on XX/XX/XXXX and I am charged XXXX $ late fee and then purchase interest. I dont usually miss it. I call the customer care requesting to waive off and they say its not refundable. When every other bank can refund and show value to their customer, why cant BofA. They have the worst customer experience. Definitely horrible. Then I go to the base branch and the banker can not do anything about it either. Totally ridiculous.
InXX/XX/XXXX I completed a refinancing loan with XXXX XXXX XXXX. In XX/XX/XXXX Ocwen took over servicing of the loan. At the time the mortgage was signed, escrow payments had been computed through XX/XX/XXXX which included payment of insurance and taxes. In XX/XX/XXXX, Ocwen wrongly purchased force placed hazard insurance. This is my second complaint with CFPB ( first filed in XX/XX/XXXX after first trial ). After I won a defense judgment in XX/XX/XXXX, a few days later Ocwen began completing Escrow Analysis. The escrow analysis and deletion of escrow analysis lasted approximately 2 1/2 years and included approximately 8 escrow analysis. After the final running of the escrow analysis a new statement was run inXX/XX/XXXX that deleted several costs including the force placed insurance. The above information regarding escrow analysis ( which included an entry that default trigger on hold for escrow analysis ) was produced in current foreclosure filed in XX/XX/XXXX. The Ocwen log is highly redacted with very deficient privilege log. I would like to receive a copy of the unredacted Ocwen log on my account. Also Ocwen has produced 2 very conflicting account histories. The one produced in XX/XX/XXXXtrial does not show my payments late from the very beginning of the loan. The most recent payment history produced in XX/XX/XXXXshows me late on payments from the very start of the loan. Filed motion to strike their pleadings for fraud on the court regarding the conflicting payment histories, inaccurate BPO to base value of home for mediation, and that they claim to have filed an original note. Certified copies of note from the 2 court files indicates otherwise.
they will not let me dispute these, what they have on them are wrongXXXX Dispute this itemAccount Number : XXXXDate Opened : XX/XX/XXXXStatus : Discharged through Bankruptcy Chapter XXXX this was paid not chapter XXXX by me with money orderXXXX XXXX Dispute this itemAccount Number : XXXXDate Opened : XX/XX/XXXXStatus : Paid, Closed. 

XXXX XXXX Dispute this itemAccount Number : XXXX .... 
Date Opened : XX/XX/XXXXStatus : Paid in settlement. this was not settlement i paid full bal
Payments over my standard amount due are repeatedly mis-allocated. I do not want them applied to future payments, despite the fact that every time I direct an overpayment, I specify that I want it applied to my balance and not put towards future payment. 

Additionally, I put in a request to change my repayment plan from income based back to standard, and this was not done.
After recently pulling my own credit report, I found that XXXX XXXX Bank is showing I opened a credit card of {$250.00} with them in XXXX XXXX and charged off in XXXX XXXX. This is not true. It 's showing that I have a balance of {$380.00}. I want proof of this. If I did ever indeed have an account with them, I want documentation of the dates opened and charged off because I did not open or charge off any accounts during that time period.
I have a charge on my credit fro m Southw  est Credit i n the amount of  XXXX . They said that it is from an alarm company which we had but when I asked what the charges are for they ca n't explain that to me. I asked them to remove the charges if they ca n't explain what the charges are for and they said they would not.
My creditor matured my car title loan 8 months before true maturity of my loan and had no choice but to refinance my loan i was told to send paper work back as soon as possible so they could help me. According to them I still owe them most of my original loan amount. I truly believe that something is very wrong and I would like some help
Promissory Note has city and state as XXXX XXXX XXXX, CA ; property is in XXXX AZ Ocwen came up with a Shared Appreciation Modification that was in favor of Ocwen Forced to sign with a foreclosure hanging over my head Ocwen took 2 payments on that Mod ; I cancelled because of the verbage Ocwen wo n't refund payments and wo n't cancel that modification plan Now Ocwen adds {$220000.00} to the balance of the loan per this cancelled mod Ocwen has done a projection of {$300000.00} higher than the true value of my home Ocwen shows that I applied with them for a short sale when in fact I never have Because of the way this cancelled mod has affected the balance Ocwen denies me modification plan constantly Ocwen 's communication and calculations are entirely wrong
This Loan was included in my bankruptcy. 
The Trustee in the bankruptcy said this loan was approved to be discharged in bankruptcy, but Mohela & US Dept. of Education refuse to see that. They say I did not supply a " Hardship Test '' If US Dept of Education and Mohela felt there was an error in the Bankruptcy Case they were to respond as any other creditor would half to by the date determined in my case file. This was established in the Ninth Circuit under XXXX argued XX/XX/XXXX and Decided XX/XX/XXXX. 
This student loan has been on my credit report since XXXX posted by Mohela and even listing late payments after XXXX, the bankruptcy occurred in XXXX and therefor should not be on my credit report stating any late payments at all.
In 2017 I cancelled my cable subscription with XXXX XXXX. All equipment was returned and the bill was paid in full. They then said I owed them for an " early termination fee '' They refused to produce either my signature or my verbal agreement to this contract which they say I agreed to ( which I dispute ) that justified this early termination fee. I have always and still do dispute that I entered into such an agreement. Even though they refused to produce these items I requested they went on and sold this " account '' to RGS Financial ( acct # XXXX ) whom posted this collection account on my credit report.I am once again asking for : '' Debt Validation '' of this account from XXXX XXXX.
on XX/XX/1997 I closed a Savings Certificate Passbook with an XXXX and had the bank issue me an " official bank check '' for the amount of {$1700.00} payable to me. I took the closed passbook and the bank check and placed it in a safe deposit box for a rainy day. I came across this check recently and I called the bank, explained the situation and was told by a manager that XXXX was bought out by TD Bank but they should honor the check being the check is an official bank check. He advised me to open a savings account and deposit the check, which I did. Four days later I was told by someone at the bank that the check has expired ( there is no date listed on this check ) and they will not honor the check. The manager told me the money was transferred over to the State of Connecticut Unclaimed Property. I 've checked with State of Connecticut Unclaimed Property Division and they have no record receiving these funds from neither XXXX or TD bank.
I discovered a Georgia State Lien on my credit report XX/XX/XXXX. I called the court in XXXX County and was told it was paid. I informed the credit bureau that the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It was not corrected. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit report.
We noticed a hard enquiry by XXXX XXXX on my husband 's credit report. The enquiry, dated XX/XX/18, was not authorized by my husband. Fortunately, no account was opened, but the hard enquiry still affects my husband 's score. We are in the process of looking for a home. Our credit is really good fortunately ; nonetheless, this enquiry still affects our score and may impact our ability to get the best possible loan rate. 

I followed up with the three reporting bureaus XXXX, TransUnion, and XXXX, together with XXXX XXXX on XX/XX/18. XXXX  and XXXX  were able to help me straight away. TransUnion however, gave me a complete runaround. First of all, their customer service person was really hard to communicate with. Second, I was told to contact XXXX XXXX again and request a deletion letter, then send that and an authorization letter to TransUnion. Then after 30 days, I have to call TransUnion to have them delete the information ( why is this not done automatically? ). I contacted XXXX XXXX again and they said they could not do anything and I would have to deal directly with the TransUnion. XXXX XXXX were nice enough to refer me here ( consumerfinance.gov ), and apologized there was nothing else they could do. I went back to TransUnion and was told something different from the first call. I felt like I was getting the runaround. Now, I just don't know how to get this removed from TransUnion and I've already spent most of the morning on this without resolution. 

If XXXX  and XXXX  can handle this so efficiently, why can't TransUnion do the same? Why should TransUnion be given any power at all if they can't actually do what they are supposed to do? All I need is a straightforward way to get this sorted out. Perhaps it's time that TransUnion were required to review their practices!
This is a very old bill from XXXX XXXX and had already been removed from my credit report approximately 2 years ago. The bill apparently was sold to another collection agency who then reported it as a brand new collection, which it is not. I never received notification that they were still trying to collect on such an old bill.
I filed for Chapter XXXX bankruptcy in XX/XX/XXXX this was discharged in XX/XX/XXXX. Virtuoso Sourcing Group somehow obtained the account I included in bankruptcy with XXXX. So both names where listed on the Chapter XXXX filing. Shortly after the discharge Virtuoso Sourcing Group starting reporting that I had an " open '' collections account with them in the notes it says included in bankruptcy. The way they have this written is not typically seen by a creditor, they see I have a open collection account. The way Virtuoso Sourcing Group is reporting this hurts my score. I have tried over the past year and have to try your correct this matter with the company directly either by phone or via disputes with the credit bureaus they have been 100 % on willing to correct the matter and have threatened to reports this account several times on my report she make it appear that I have numerous corrections accounts. I want Virtuoso Sourcing Group to remove this information from my report.
I redeemed my credit card points XXXX of them and the agreement was that I was to receive full value for the points {$55.00}. The organization after the fact closed my account and is preventing me from receiving full value for the points that I have earned by using my credit card.