WillisBack/dataset-financial-user-claim huggingface dataset:
Last Friday I logged into my online Chase account and noticed that all of my credit card accounts were closed. Today, I received a letter for all credit card accounts confirming they were closed. Chase shared  they were closing the accounts because of the number of recent credit inquiries and accounts opened as well as the total number of accounts I had with them. I have a fico score in the high XXXX-low XXXX, have never paid late, and have been a Chase customer for years. I feel it is discriminatory that they recently approved me for a new credit card and then turned around and closed all of my accounts.
I received a call on my cellphone today, from a company, who 's telephone number is ( XXXX ) XXXX " Unknown Name '' on my caller I.D., claiming that I owed {$890.00} plus change, to Bank One. I never knew Bank One existed, let alone ever having a credit card with them. The caller, first a man, then a woman, knew my social security number, as well as my XXXX XXXX XXXX How did they even get this information?
Hello, I 'm not sure if I selected the correct category to describe what I 'm going through but I had to select something. I attended a cosmetology school from XXXX. When I approved on their end and now I have to wait on an approval from the dpt of ed. I first went to the school for information on joining I did n't have a high school diploma. I was told by XXXX of the staff members that I can quickly get a high school diploma at XXXX XXXX school online. I took all information I needed to get enrolled, went home and got the diploma online and all other documents I needed then went and enrolled in the school which was then called " The Academy of Hair Design ''. The school was all out of whack, they did n't have any steady teachers in fact had me teaching the students how to braid hair. It was crazy and due to the fact that that school could n't benefit me and me losing my baby sitter I left after a few months in. I felt that we were n't learning anything at that time. So all of these years later I am thinking I have a high school diploma. Well recently, I have been inquiring about going back to school only to find out that my diploma is a FAKE diploma and the school XXXX XXXX XXXX was shut down for selling fake diplomas and doing fraud. I immediately went online to get the contact info for XXXX XXXX XXXX design to only find out that school was shut down and is now operation under a different name " XXXX XXXX XXXX ''. So I am now crushed to the bone because I have a FAKE diploma and now need to go get a GED mean while my oldest son will be graduating high school soon ( I 'm embarrassed ), and also both schools are shut down on me. So I 'm in a lose- lose situation. I should not be liable for this debt as I was tricked into getting it by both parties and I now have to start from scratch as a mom with XXXX kids and get a GED. These student loans have been haunting me for 9 years and I did n't even get anything out of it but a fraud high school diploma that is now trash. How can I tell my children that I do n't have a diploma when I 'm constantly on their backs about school. It 's so embarrassing and causing me XXXX. I filed for an " Ability to benefit claim '' with Navient. I called Navient and they told me it was approved by them and it 's now awaiting approval from dpt of ed. I called the XXXX of XXXX several times as I am trying to enroll in a GED program for XXXX but I need to get this situated. Dpt of ed is telling me they do n't have my file. I am lost, depressed, stressed, embarrassed, frustrated and just want these fake student loans deleted out of my and off of my credit reports so I can start over!! PLEASE SOME ONE HELP ME!
I 've disputed these public records multiple times and provided the proof that they are reporting these XXXX accounts inaccurately and they fail to remove them or correct them, which is in violation ofthe FCRA. XXXX removed both of them because they could not verify them, as they did not have first hand knowledge, and no proof that these accounts were reporting correctly and Equifax repeatedly comes back saying they are verified. Both have been released or satisfied and yet they are still reporting a balance and dates that do not exist! These XXXX must be removed immediately. 

XXXX XXXX XXXX - XXXX - # 1 Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this to report on my credit file and you must remove it. 
# 2 You are reporting the date " XX/XX/XXXX '' which is XX/XX/XXXX years ago, making this account inaccurate, incomplete and obsolete. 
# 3 You have not legally verified this account, as legal verification means that you have firsthand knowledge of this account, which you do not. 
# 4 this judgment was satisfied and yet you are reporting a balance # 5 you have not provided the documentation used to verify this account, therefore, because of reasons # XXXX, this must be removed immediately! 
XXXX - # 1 Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this to report on my credit file and you must remove it. 
# 2 You are reporting the date " XX/XX/XXXX '' which is XX/XX/XXXX years ago, making this account inaccurate, incomplete and obsolete. 
# 3 You have not legally verified this account, as legal verification means that you have firsthand knowledge of this account, which you do not. 
# 4 this judgment was satisfied and yet you are reporting a balance # 5 you have not provided the documentation used to verify this account, therefore, because of reasons # XXXX, this must be removed immediately
Hello, I have been a loyal American Express card customer for more than 20 years, and I have been accumulating membership reward points for many years now. So far I have around XXXX points in my account. I planned my trip with the points in mind to book my return flights. When I was ready to redeem the points to book the last leg of my flights, I got the message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. Why????? 

It has been 3 weeks, I am still getting the same message. I called the Membership Reward program 4 times, and the 3rd representative helped me file a complaint, saying they will get back to me in 7-10 days by phone or email. Its been 2 weeks since, and nobody has called or emailed. 
Our trip plan is on hold and we are at risk of losing my already-booked tickets and reservations because American Express is holding my points without providing any information or explanation. 

If we can not use the reward points why did you make them look available? We do use the points to plan trips, not just to look at them. And why are you holding all of my points? I only want to transfer some of the points that I accumulated a long time ago. Why cant I use them? Please explain! 

XXXX XXXX
Had a trial loan modification with Greentree in which payments were made. On XXXX/XXXX/15, Greentree sent Permanent Loan Modification document, which was due back by XXXX/XXXX/15. There was no mentioning that this document needed to be notarized. The only instructions were " To accept this offer and take advantage of this opportunity, you must sign and return the enclosed Agreement by XXXX/XXXX/15. '' The agreement was signed on XXXX/XXXX/15 and sent via regular mail to Greentree 's address at XXXX XXXX XXXX, XXXX, AZ. After sending back the signed modification, borrowers made a phone payment of the permanent loan modification amount on XXXX/XXXX/15 in the amount of {$1200.00}. The confirmation number was XXXX. Borrowers called back on XXXX/XXXX/15 to make the XXXX payment and Greentree said the loan was in foreclosure because the final loan modification documents were never received. Greentree has instructed the borrowers that they need to start the loan modification process all over. This is an abuse and we need help from the Consumer Financial Protection Bureau to enforce the permanent loan modification that we worked very hard to obtain.
Prime Acceptance Corp makes call after call all day long from multiple phone numbers! I own a business and it 's very disrupting while I 'm trying to talk to my customers! They harass my wife in the same manner and she works in the medical industry!? This harrasing disrupts her while trying to deal with patients! This is not border line harassment it 's full blown harassment! 

Oh wait a minute! If this is not enough! If I do n't answer they call the people that you used for references and ask them where we are and are we going to pay our bill! BTW I HAVE WITNESSES!!! 

I am going to talk to my attorney and see if I can file a lawsuit tomorrow! No more Mr nice guy here! We have been putting up with their unprofessional, harassing behavior long enough! I need someone that can stop their bullying tactics and shut them down! 

Unfortunately some people respond to their harassing behavior like " We will reposess your car if it 's late 3 days if you do n't pay! HAPPENED TONIGHT! I do n't respond to threats! I told every person that I talked to today that I would make XXXX out of the XXXX payments! XXXX XXXX is a supervisor and she told me I 'd better change my attitude because she was the Collection supervisor and she would take our car off repo hold and start repossession action! 
Our loan is 3 days into the XXXX payment! 

We got behind because of the time of the year in our business and Ipaid {$2600.00} in the past 60 days and became current! I would think this should have shown our intentions and capabilities to these Harrassing Collection XXXX ...
The loan approval process through Eagle Home Mortgage , LLC an affiliate of XXXX XXXX has been nothing short of a nightmare. The loan was issued with a cosigner. The amount of information that was being requested by the " underwriting '' process was above and beyond what was actually needed. The amount of information that was submitted to multiple loan officers with this company that was lost, not uploaded to underwriting, or requested in so many different forms that it has prolonged the actual loan approval for a closing that was dated XX/XX/18. The dates for closing have been changed so many times, up to the last issue we've encountered. We were set to close tomorrow XX/XX/18 and never sent a corrected closing disclosure until XXXX XXXX the evening before. ( XX/XX/18 ). Upon review it was noted that the insurance company/premium was incorrect. Looking back in emails the updated information was sent to loan officers on XX/XX/18 and XX/XX/18 that the insurance company had tried several times to contact with no success. Why on the eve before closing, in a closing disclose we are required to have 3 days before, is the insurance information not corrected when myself sent it to them ... this is the question we all have! Now due to their incompetence we yet again have another issue with the dated closing being not adhered to. The required by law closing disclosure has yet to be received at XXXX XXXX the evening before we are set to close. We have received NO final corrected closing docs, NO title company info, NO downpayment final number, and the loan officers are no longer taking our phone calls. Total incomplete and better yet I feel that my private information is being used against the final approval of this loan/mortgage. The last contact we've had with the loan officer led to a insult due to a job vacancy in the middle of this loan process and was handled in the most unprofessional manor.
Roundpoint Mortgage completed an escrow analysis on XXXX/XXXX/2017. After such analysis my monthly payment amount increased by over $ 250/month ; however there was no change to my escrowed items. The only escrow item is for property taxes which have actually decreased from the prior year. I have been calling Roundpoint Mortgage since midXXXX to no avail. I was told by a CSR that I was unable to dispute the new payment amount and that I needed to make the payment by XXXX XXXX, 2017 or I would be assessed a late fee. I have never been late on my mortgage and value a good credit rating so I made the payment on XXXX XXXX, 2017. Since that time I have contacted Roundpoint numerous times and spoken with ( 8 ) eight representatives ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) and continue to get mixed information. No one is capable of resolving my issue or providing me with an explanation for the increased payment. I have emailed proof of insurance coverage ( Flood, Hazard, Content ) to ensure these items were not escrowed.
I am writing this complaint due to Bull City Financial not responding to my request for validation of this debt. I have written a letter asking for this information in XXXX XXXX with no response and I have also contacted them via telephone with no end result of receiving this information. They are still reporting this information on my credit reports and the 30 days to verify and validate the debt has passed. I would like for them to remove this information since they have not validated this debt in an accurate manner. Both debts are totaling {$280.00} from XXXX. Thank you!
have been working with this XXXX XXXX XXXX for over a year. To my excitement they finally pre-approved me and got me underwritten for a home loan. When we found our home we were denied. That was n't the hardest part of the process because they have misinformed me about percentages and other vital details during the loan processed. That was n't the hardest part of the process because they have missing for me about percentages and other vital details during the loan process. Another loan office wanted to pick up the deal and they would n't release it until I paid them. So I gladly gave them {$500.00} so I can move forward. Come to find out after losing our home and being the night again that they had so I gladly gave them {$500.00} so I can move forward. Come to find out after losing our home ( rental ) and being denied again that they had a block on our loan. We are now currently living in a friends tiny trailer with our XXXX kids.
The bank froze my account to all withdrawals. Began on XX/XX/XXXX. On line it said it was because I needed to fill out a XXXX and signature form but when I clicked on it to fill out forms it said " not available at this time, please try again later ''. Then I called the bank on the XX/XX/XXXX, they said they were doing a review of the account because of returned items and it would take three business days and be available on the XX/XX/XXXX. On the XX/XX/XXXXmy account was still frozen so I called again, spoke to an excutive customer service agent and this time they claimed the account was frozen because they believed someone tried to hack my account. They did n't know when my account would be unfrozen. Then they hung up on me.
I filed a dispute on my report XX/XX/2016 and sent in proof that the account was released. This judgement was entered in error and is now preventing me from getting a loan. It has been greater than 14 days and I simply do not have time to continue to send letters when proof has already been sent over.
Portfolio Recovery is trying to collect on a debt for Capital One and I have NEVER had a Capital One account. I do not owe this debt and have been fighting it for a long time. They have yet to prove to me that it is mine with any application or signed document. They are affecting my credit and financing.
I have contacted XXXX XXXX XXXX XXXX after they sent me a letter and placed a hardship loan write-off from XXXX card, buying an already charged off loan in my name, due to XXXX card failed to let the XXXX XXXX XXXX XXXX know that they had already wrote the account off under a government program. I got sick, XXXX treatments did not work and I am on XXXX XXXX. My family had helped with assisting bills, however once the XXXX treatments did not work, they stopped assisting. I sent XXXX card a copy of my full XXXX  hearing, signed court decision and a letter explaining my medical condition that led to my hardship. 

XXXX card was very understanding and told me they were writing the loan off under hard ship. 

In my entire life, I had never been late, paid ahead of time all of my bills, even paid more than the amount due. Even while being sick. 

I now received a letter that XXXX XXXX XXXX XXXX bought a closed account under my name with XXXX card after XXXX Card refused to provide all documents. I did receive from XXXX XXXX   XXXX XXXX what they received from XXXX card when purchasing an already closed account due to hardship, however it did not include the private court XXXX  paperwork that XXXX card had in my file. 

I in turn called the collection agency XXXX XXXX XXXX XXXX on quite a few occasions. They also admitted to they do not buy hardship loans and agreed to close the file and terminate paperwork. 

I am now asking the collection company to please remove the collection account from all three credit bureaus. 
As a XXXX fighter, I deserve to have a bit of human decency and only asking that the collection be removed and all information of an account they bought through XXXX card that was already closed. Per advised by attorney, XXXX bank sold a bad loan, hardship loan that the bank had already closed and wrote off under government program. Therefore, I should not be penalized by XXXX XXXX XXXX XXXX to due the issue of XXXX selling a closed, wrote-off hardship consumer loan in my name.
On XXXX XXXX I personally wrote a certified letter to Midwest Recovery Systems informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. Midwest Recovery Systems has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.
Transunion is reporting inaccurate information on my credit report. The tradeline listing is for XXXX XXXX and it shows " 120 days late '' as of XX/XX/XXXX. I have proof that this account is not late since it has been been through rehab for XX/XX/XXXX. Also, I can show that this account has been " manipulated '' by deleting all " ok '' after the rehab of the loan. By deleting all " ok '' from the account after XX/XX/XXXX, this shows that the account is still late and in default. Currently, the account is managed by XXXX.
opened account via online, then I was told that I needed to provide additional information which I did. then I was told my account was opened, then I go to branch and then I am told that I had to provide my identity documents again and that it would take an additional 5 days. so far it been a month plus. The last time they took my identity documents and passed it among the office staff.
XXXX XXXX is reporting late payments for the months of XXXX, XXXX & XXXX XXXX when in fact the payments were made as agreed. 

Here is a summary of the documentation and reason for dispute. 

In XXXX of XXXX I contacted XXXX XXXX to refinance my home but could not because our home value is still too low and I was advised to contact the Home Preservation Dept about a modification to reduce the interest rate. I began working with the representative of XXXX who approved a trial period of 3 months which would lead to an interest rate reduction. 

I received a payment agreement on XXXX XXXX XXXX with an arrangement of 3 payments of {$2600.00} for the months of XXXX, XXXX & XXXX XXXX. Upon completion a loan modification would be completed. Complete copy of the Mortgage Trial Plan Notice Document included. 

For the months of XXXX, XXXX & XXXX of XXXX payments were phoned in as directed and on time. A copy of the account payment history has been included in the file. Also included in the file is a copy of personal bank statements to substantiate the payments made on time. 

Payments for the trial period were made on time and the modification to rate reduction was approved. Its worth noting that we have never been late on our payment and would not have qualified for the modification had we missed a payment during the process. 

Because the payments for XXXX, XXXX & XXXX XXXX were set by XXXX XXXX that is the amount paid. Therefore there is no justification to consider any payments late. 

When I found out about the late payment reporting in XXXX XXXX I contacted XXXX XXXX customer service. They reviewed my information but informed me they were reporting the payment history correctly. I made several attempts at several levels since XXXX to resolve this issue but have been told the payments made in XXXX, XXXX & XXXX dont count because they were not the amount on my original note even though it was the payment they established for the trial period of the modification. 

The last representative I spoke to insisted to me the dated XXXX XXXX, XXXX stated that they would report my payments late. We went over this document together but she was unable to point out to me where it stated that making the agreed payments to the trial period would result in a 30 day late payment to the credit bureaus. 

Because it was never explicitly disclosed that making the trial period payment as set forth by the mortgage company would in turn cause a late payment, the late payment history should be removed from my personal credit report. 

Please remove the late payments being reported to my credit report for the months of XXXX, XXXX & XXXX XXXX Thank you for your time and consideration in resolving this error XXXX XXXX
I paid for a vehicle. The Lender was XXXX XXXX, in XXXX XXXX, Va. I have pulled my credit reports in the past year, and I do not see the positive feedback/report of my Vehicle Purchase. I have a letter from XXXX XXXX that my Vehicle was " Paid in Full, No Late Payments ''. I do n't understand that! That was an XXXX purchase paid for in Two Years. What can you inform me, or help me to understand all this situation, because to ME ... it was a real big deal, having paid for this new ( new to me ) Vehicle. Thank You. My credit score was Low when i bought this truck, and i see no difference for my sucessful payment in full. Also, there is a " pay or quit '' notice showing, but the lease was NOT a contract between Me and the Apartment. It was an agreement from the in which i live, and i had to experience a city employee that did NOT do her job properly, hence, I ... got the legal papers that were degrogatory, I called her to get her to " do her job '' so, she Did pay the City 's portion of this One Year Lease, but the bad marks are STILL on my credit report. ... ALSO, I went to return an antiquitated cable box that I found sitting IN a box for 9 Years. To sign in at the Cable co. they TRICKED me into giving my Social Security number, I did return the box, *trying to do the " right '' thing, YET ... the cable co. is trying to get me for an XXXX Bill XXXX that I had NO idea of ... my Ex.B.F. ordered cable w/o my knowledge, and has moved away, i have no idea where he is ... nor do i care, so ... how can they stick ME with that bill, when I did NOT even order it, nor, watch it.? Please help me with these issues, i will NEVER pay that bill, one reason being the " Principle ' of the matter ... second being ... I ... never ordered that service. Thanks so much.
Total Card, Inc is representing the creditor XXXX XXXX, XXXX that is trying to collect on an old debt for a XXXX XXXX bill dating back toXX/XX/XXXX or XX/XX/XXXX. I received a collection notice in the mail on XX/XX/XXXX from Total Card, Inc dated XX/XX/XXXX. This debt is past the 7 year statute to collect and is likely listed on my credit reports as a charge-off. It shows that if I acknowledge this alleged debt in any manner, the time to collect and potentially have a lawsuit filed against me could be renewed.