WillisBack/dataset-financial-user-claim huggingface dataset:
We have been working with XXXX on a short sale on this property since XX/XX/XXXX.  Several times we have lost buyers due to counter offers and delays in reviewing our offers. We have had the same buyer on board since XX/XX/XXXX and have been pending review. On XX/XX/XXXX we sent in the latest RMA ( another stall tactic from XXXX to delay reviewing the file by constantly changing the forms that are needed to proceed ). I called on XX/XX/XXXX and was told we were pending the review of the RMA. I sent an updated HUD and purchase agreement on XX/XX/XXXX since the ones we had on file had expires on XX/XX/XXXX due to delays in review. I spoke with XXXX on XX/XX/XXXX and was advised that our file was being DECLINED due to a new buyer. There was no new buyer - the agent referenced XXXX XXXX as the buyer - which was one of the original buyers from back in XX/XX/XXXX. The current buyer has n't changed since XX/XX/XXXX. She said she would escalate this and I would have an update by Monday or Tuesday. She could see that I DID NOT send in the offer from XXXX XXXX and that it appeared that someone from XXXX just randomly re-saved the old documents, which is what created the issue. Called XXXX on XX/XX/XXXX and there is no update. No one has reviewed our escalation from last week, I was told today just to " submit the new offer '' - there IS NO NEW OFFER. This is the same offer since XX/XX/XXXX. I contacted the Ombudsman department who refused to assist. They opened ANOTHER complaint and want me to wait ANOTHER 24-72 business hours for a reply.
I have an account with citibank, and I mailed a check to XXXX in the amount of {$500.00} which was cashed, but never received by XXXX. This caused problems going through tolls and I incurred fees for this. I have contacted citibank and they said that the check was cashed but they are unable to find out who cashed the check. So, basically, the bank lost my money, and is refusing to refund it or find out and prove who took it. I have submitted every single form the bank has asked for, and they are continuing to bury me in more forms. They lost my money and refuse to give it back.
I Opened a new platinum card with American express as I was invited with a XXXX point signup bonus, requiring the annual fee to be paid immediately. I met all the terms of the signup bonus and was credited XXXX points. I spend XXXX a year on my amex everyday card, and found that i prefer the benefits and rewards of my everyday card, so i decided to close the platinum card before fee renewal as I do not travel much. I find out XXXX amex decided to claw back all my XXXX points, despite there being no clause or mention in the agreement that account closure before renewal will forfeit those points. I still have a rewards account tied to my amex everyday preferred card. Please help with this unfair and deceptive practice!!!
I completed school in XXXX and experienced financial hardship and was unable to repay the debt owed. I have ( XXXX ) dependants that rely on me and my income is very low. I requested a deferment program due to financial hardship in XXXX XXXX via The Economic Hardship deferment program and the application was mailed to you ( see copy ). 
In XXXX I advised you too take a partial payment from my XXXX tax refund and this was offset by the IRS and the balance I was advised, would be deferred until XXXX XXXX. My request for deferment was mailed to you but still this account is reporting a default on my credit files and this incorrect information is causing me extreme financial hardship. The matter arises from non receipt of my mailed application, it is an error deriving from a mailing loss issue and I should not to be held responsible.
This company is the worse I paid the car off  XXXX  2016  wrote a check for  XXXX  check cleared my account and i have a bank statement that show this.   XXXX   XXXX     XXXX  repoed my car  XXXX  2016  for non payment. I sent the bank statement to them it took me 30 days to talk to someone and all i got out of her was can we do a  three  way call with the bank. My bank informs me that not only will they not do a third party phone call thats related to sensitive personal information they would n't even give me my account number over the phone. So that was it no more working with me my credit tanked  XXXX  points because of a fraudulent repo and  XXXX  for a car I no longer have these people need to be shut down we have enough fraudulent corporations in America.
I canceled my XXXX account, have not received any bills from XXXX, returned their equipment and a collection agency has filled a collection notice with the credit reporting agencies. I have contacted the agencies involved and XXXX. I have received no response from anyone. Here is the collection company - XXXX XXXX, WA XXXX XXXX
I have a balance with a 0 % balance transfer rate that Chase Bank keeps applying my payments over the minimum to before it applies them to my higher interest rate balance. I submitted an inquiry several months ago and went back and forth over many messages. They claimed this was n't happening, but it 's clear that it is happening from the progression of balances on my statements.
I initiated a dispute with Experian, XXXX, and XXXX XXXX XXXX, XXXX for the following items : XXXX XXXX and XXXX. XXXX was formerly known as XXXX XXXX. These items were scheduled to come off my credit reports a few months ago being that they are over 7 years old ( DoFD was XXXX XXXX, XXXX for XXXX ), however all three credit bureaus stated that they conducted an investigation and the items were verified. The items being verified was not the reason for my dispute, in addition I called both XXXX and XXXX XXXX XXXX, XXXX to verify that an investigation was actually conducted and both company representatives stated that they did not verify nor report to the credit bureaus because the accounts are old and due to expire. All three credit bureaus are reporting erroneous information in regards to when the first delinquency was reported except for XXXX, however XXXX did not remove the old item either.
Hello, I never got any account with XXXX XXXX, this information is old and should not appear on my credit report.
I purchased a XX/XX/XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I felt with the high interest charges, I wanted a change. So I turn in the car voluntarily. They supposedly sold the car for {$2000.00} and say I still {$8100.00} I say no, this company is a complete ripoff to the consumers. 
Now they have a debt collection Attorney trying to sue me. I got rid of this automobile because mileage and age, furthermore when I purchased it the front end was about to fall off, of which I had repaired, I could have been injured or even killed by this vehicle. I was totally lied to.
XXXX was to install equipment in my house and never did. I called to cancel and the bills just kept coming. I faxed them and mailed them as you can see from the files I have sent. They just kept sending bills until the amount was around XXXX dollars. The bills did stop but turned over to a collection group called Perfection Collection. They have made many threats not only to me but my wife and son who dose not live at home.
i keep getting inquiries from this company after telling them over and over again there was no way i would make a inquiry 5 times back to back they finally send me a letter telling me they are concerned someone may be using my personal information.thats what ive been telling them for months
On XX/XX/XXXX I found out that my credit cards were being closed. I called the Chase Executive Office who confirmed that just my personal credit cards were being shut down. However, I received a letter on XX/XX/XXXX stating that my Checking Account and my Savings Account were also being closed. There was no explanation given. Only instructions on what to do before XX/XX/XXXX when Chase is going to  shut the accounts down on their own. I called the Executive Office back and received no information as to why my accounts were being closed. I then went into the Chase Branch on XXXX  XXXX XXXX  XXXX XXXX in XXXX NY and asked for an explanation as to why my accounts were being closed and again I received no explanation. 

I have had a checking and a savings account with Chase since XX/XX/XXXX. I have had direct deposits into my checking account and have never had a bounced check, returned check, etc. I, almost always, kept a minimum of {$5000.00} in my checking account and {$24000.00} in my savings account. I would like an explanation as to why my checking and savings accounts were closed without any warning.
In  XXXX   XXXX  of  XXXX . I went to  XXXX   XXXX  in  XXXX , TX to look at getting a new car, after mine had been totaled in an accident that previous  XXXX  that was not my fault. The agreement was that i was to get my current car. A  XXXX   XXXX   XXXX   XXXX   XXXX , and they would roll over the remaining {$500.00} of my previous loan ( From  American Credit Acceptance ) o nto my current car loan ( with   XXXX   XXXX   XXXX   ). I finished all the paperwork and drove away with my new car in  XXXX .  XXXX  told me they would cut a check for the payoff amount remaining on my car, and i would send the check in to pay off the previous loan with ACA. A month passed, after repeated phone calls to  XXXX , and no check ever came, u ntil one day  i got upset and drove down there, where they told me the funds were processed on  XXXX   XXXX , but they lost it. I was noticeably unhappy with their response, so they cut another check. Which they did not get to me until  XXXX   XXXX   XXXX , at this point I was already 3 months behind on my car payment, to where ACA was threatening to reposes a car that I did n't even have.  XXXX  said they would take care of the situation, but never did. I let it take a backseat to some other issues in my life, but when it came time to trade up to a new car, the problem arose again, and i had to contact  XXXX  again, where at first they did n't want to admit fault, but after some digging and pushing they finally did. And i got them to send a letter, and the lady stated she would submit i t to ACA  and the credit Bureaus but never did. Now it 's bee n three month s since she told me she had done it, and nothing has changed, and im honestly just sick of waiting.
I left for XXXX en route to XXXX School on XXXX XXXX 2015. I believed my Chase credit card had been completely paid off, however there was a pending charge for {$30.00} that did not post until I had already entered XXXX. As XXXX is an " immersive '' environment that prohibits access to the internet, I did not know about the pending charge or the subsequent " late payment '' levied on my account until after XXXX. I now have a late payment mar on my credit, the only negative record on my credit history. 
I reached out to Chase as well as the credit reporting agencies to explain the nature of what I thought was a minor issue, but all of the involved parties have declined to address my concerns even after I provided documentation of the timeline described earlier. It appears to be a simple fix for an incredibly small amount of money that continues to hold back my credit rating.
I am severely  XXXX, to the point that I am housebound. I won an EEOC class action suit and wanted a new bank account so I could use the funds I won from that suit separate from my XXXX income because it was to be used as investments with my sister-in-law/power of attorney. Wells Fargo had a promotion going on at the time for new customers, despite all the bad press with them ripping off customers and against my better judgment I opened the account with them and deposited $ XXXX. I started making my investments and attempted to link the account to my XXXX when it was flagged for Fraud. It has been a nightmare ever since. Wells Fargo shut me out with $ XXXX left in my account. I have tried calling their TTY number and used IP Relay several times and it never stays connected or customer service hangs up on the relay agent. I asked that the account be closed and remaining funds sent to me, I sent them a notarized request of withdrawal and account closure three times. I have written letters and contacted them via XXXX. The response is always the exact same, that I need to come in to a branch physically with two forms of ID. I have told them in every single correspondence that I am XXXX beyond the ability of coming in, if I was allowed to open the account online I should be allowed to close it online. I have sent them copies of my birth certificate, my XXXX ID, and social security number, they have proof of my address. I don't understand what the problem is. In any event they sent me a letter recently telling me that due to inactivity the account has been flagged as inactive and funds might someday be released to the state. " escheat ''. But I have no idea how long that could take or if it will even happen. It should not be inactive as I have actively been in contact with them trying to prove I am the account holder and that I want my money back now. A state notarized document and all the copies of my identity should be enough. I have a power of attorney ( sister in law ) who could go into a branch on my behalf but because she was not added to the account before it was flagged they won't release money to my power of attorney. Their ADA standards are absolutely horrendous. I just want my money, please help.
Synchrony Financial Bank in XXXX, Florida incorrectly lists 2 Care Credit accounts on my credit bureau reports. I had one account only. It was opened on XX/XX/XXXX. 
The account number begins : XXXX They transferred this account number to another office and closed it when they did this. 
After that, a duplicate account was opened in XXXX of XXXX. 

Synchrony Financial Bank should never have opened the second account and it needs to be deleted from my credit files with XXXX, XXXX, and XXXX XXXX credit bureaus. 

I did not need another account, I just wanted the original account from XX/XX/XXXX, to stay open. 

I did not give them permission to close my original account and open another one! 

I should only have one account, the one from XX/XX/XXXX, listed on my credit bureau reports. 

I did not give them permission to transfer my original account to another office and close the account.
I have tried several time to get this removed from my credit report IT IS NOT MINE, IT IS NOT MY NAME. XXXX XXXX XXXX ACCOUNT # XXXX, XXXX REFUSES TO REMOVE. 
XXXX XXXX AND XXXX XXXX XXXX IS not my name, so remove from my file
Ford Motor Credit has reported me to all all 3 reporting bureaus as late payments were made and Ford never updated.
A Payment to Wells Fargo for the full balance was made. Wells Fargo continues to hold the payment even now 6 days later. We have made large payments to Wells Fargo in the past and experienced the same issue repeatedly.
It 's been 11 yrs that I have had my car and it 's still showing on my credit report. I have mailed out two rounds of 609 letters certified. It has finally come off of my XXXX report but it 's still showing on XXXX and Transunion. It 's been more than 7 years since my first delinquency so why is this still showing? At one point it was in repo but then was redeemed. I just mailed out a third round of 609 letters today with possibly taking XXXX to small claims court over this non removal. I should n't have to go through this. One credit bureau has already complied. What 's the problem for the other two bureaus? Please fix so I do n't have to take this to litigation.
I received my regular mortgage bill with an extra amount due monthly. It states is for attorney fee for a foreclosure in the total of XXXX. I called them asking how this is? They stated I went into foreclosure when I did n't and told me this is their attorney fees, I asked them for a copy of the attorney 's bill they received and proof I went into foreclosure. They have history of doing this to people and false charges. They stated they had no proof that they only had a letter that was sent to me a XXXX ago stating my account could go into foreclosure if Im not caught up. I was late XXXX month and this does n't constitute foreclosure and nor was foreclosure started. I would like a copy of the attorneys bill for the amount they are charging me. They are always extremely nasty on the phone to me and threaten me in different ways.
This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX Debt Validation Form Questionnaire to be returned : Account # : ____________________ Original Creditor 's Name : _________________________________ Name of Debtor : ______________________________________ Address of Debtor : ___________________________________ Balance of Account : __________________________________ Date you acquired this debt : _________________________ This Debt was : assigned ___purchased___ Please indicated any credit bureaus to which you have reported on this account : XXXX ______ XXXX ______ XXXX _____
XXXX XXXX XXXX XXXX keeps on calling my cell phone number countless times in a single day. They call me from a local phone number with a different number every time and from a XXXX aswell. I told them that I revoke consent on calling me, but they still call. Ive been having this issue since I first opened an account with them fell behind one payment on furniture and the calls kept on coming. I am very unsatisfied with this company and really regret doing business with.
After checking my records, it appears that XXXX XXXX XXXX, XXXX. 
doubled me using my XXXX XXXX.
I decided to check my credit before applying for a car lease and to my surprise I saw I have a collection on my credit report. I did n't received a notice to dispute the validity letter, where I have XXXX to dispute the validity. Under the FCRA they are required to send me this letter PRIOR to reporting anything on my credit report.
XXXX and Transunion are refusing to verify 3 debt accounts on my report. I have sent 3 previous requests,XX/XX/XXXX was the first, XX/XX/XXXX was the second,XX/XX/XXXX was the 3rd, and today will be my fourth request. They have not sent me any documents showing my signature on a contract with these debt companies, or a picture ID, or anything with regards to the results of there investigation, as prescribed by section 609 and 611 of the FCRA section. I plan on taking legal action if this continues to not be corrected. In addition there are 3 collections listed where the original debt is over 4 years and close to the old term of seven years.
I was taken to court by eagle loan I have a court agreed payment.i have been paying on this until XXXX XXXX  which is the attorney for eagle decided to refuse payment and saying I breeched the contract.this loan was for my husband and I and without warning they have refused payment and sent out a garnishment to my husband 's wages.i tried to speak to XXXX XXXX today but they don't care and stated a breech had occurred and I didn't send there 15 day notice back to them.i have never seen anything in my contact from the court about this.XXXX XXXX refuses to send me statements I have requested and the balance has gone from XXXX to XXXX I have been paying on bthis since last year and the balance keeps riseing.with the upcoming wage garnishment we can no longer afford the basic nessary things and have no choice but to claim bankruptcy and when I asked XXXX XXXX to please stop and let me continue paying they refused.
I was able to lower my monthly payments based on my income. They payments have more than tripled without notice and I am struggling to pay the loan. Additionally, I was charged late fees that do not bear a relationship to the actual costs incurred by XXXX or Navient in processing the missed payments.
Subject : I used Bank of America Debit Card to purchase some items from XXXX. I returned the items due to unsatisfied quality to XXXX. XXXX returned my money to my debit card but Bank of America is not returning my money to bank account. 
Bank of America Claim ID : XXXX Sir/Madam, I had purchased a tread mill and an equipment mat from XXXX on XXXX XXXX XXXX ( Order # XXXX ). But I was not satisfied with the items, so returned the items to XXXX. XXXX received the returned items on XXXX XXXX, XXXX and XXXX XXXX, XXXX. But I did n't get that money back till now. 
At the time of purchasing the items I used my old debit card ( Ending in XXXX ) but after some days Bank of America closed that debit card and issued a new card ( Ending in XXXX ). 
I called XXXX customer care several times that I did n't get my money back. They responded that, XXXX already returned the amount ( {$500.00} ) on my old debit card ( Ending in XXXX ). But I did n't see that returned money in my bank account. 
So I called Bank of America Claim services to create a dispute claim regarding this transaction. They created a dispute claim ( Claim ID : XXXX ). On that time ( XXXX/XXXX/XXXX ) Bank of America credited the transaction amount ( {$500.00} ) in my account on temporary basis. But on XXXX/XXXX/XXXX Bank of America debited the Transaction amount from my bank account and change the claim status as resolved, though I have provided all the proofs regarding the return. 
So Sir/Madam, I am getting harassment from Bank of America by delaying the process and taking time to return my money back. I hope you understand my situation and please return the money back. 
Note : I am attaching the bellow documents again. 
1. XXXX screen shot with return items and return dates. 
2. Freight receipt of XXXX for returning equipment mat. 
3. Freight receipt of XXXX for returning tread mill. 


Regards XXXX XXXX XXXX