WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a house in XX/XX/XXXX, using cash from my retirement account and a loan from a friend. I intended to get a mortgage to replace the funds and repay my friend 's loan. I applied in XX/XX/XXXX to Quicken Loans through their Rocket Mortgage division. The first person I talked to, XXXX XXXX, did an initial evaluation, asking a bunch of questions. One of the many questions XXXX XXXX asked me was whether I 'd been in the house for six months. My response was No, I 'd been in the house FOUR months. 

After answering her questions, XXXX XXXX passed me off to someone else, whose name I do n't recall, but who was a Loan Processor. He asked me some of the same questions as XXXX XXXX and sent me a rate lock-in agreement, which I signed and returned as instructed. He said I had to get the house appraised and the cost was {$500.00}. I agreed to the appraisal and paid the {$500.00} and signed the Deposit Agreement. In the meantime, the processor sent me the usual mortgage application documents. 

A few days after the appraisal was completed, the loan processor called me and said hed just discovered Id only purchased the house four months ago, and their company required the applicant to live in the house for a minimum of six months before refinancing. So, I was informed, they were unable to proceed with the refinancing. I argued with the processor that they shouldnt have made me get an appraisal on the house since it was already pre-determined there wasnt any way Id be able to get the mortgage. I felt they cheated me and played dirty. I asked him if this bait-and-switch was the way they just another revenue stream for them. A few days later, I received a letter from XXXX XXXX, stating they just wanted to remind you [ me ] of the reasons why we are unable to help you with your loan at this time. They went on to claim the reasons were related to Collateral ( Title Issues ) : liens, judgments, vesting. 

The letter was a total lie and I didnt appreciate being lied to. I demanded my {$500.00} back and was denied.
Approximately the XXXX of XXXX I requested via chat interface on Amex 's site a request for a FULL refund on the {$250.00} annual fee for XXXX card. After rejecting their offer of a pro-rated refund, and due to the fact that another card I had cancelled around that time, and which was opened around the time that this card was opened had received a FULL {$250.00} refund, I demanded a full refund. The rep attempted to offer a prorated refund. I rejected it. And after several back and forth messages with the rep and their supervisor, I obtained a promise of full {$250.00} refund to be processed in a matter of days of that chat. As of XXXX XXXX no refund was applied to the account. Upon seeing this, I opened a NEW chat and specifically advised the rep to consult prior chat logs. He failed to do so and once again attempted to issue a partial, pro-rated refund. His supervisor ALSO FAILED to consult prior chat logs and confirmed a pro-rated refund on the annual fee. 

I do n't care what your policy is ; I do n't care what your limits are ; I do n't care what your system will or wo n't let you do. And I do n't care how poorly your XXXX reps operate. I was promised a full {$250.00} refund on the annual fee and it has not been applied to the account. Make it happen.
Diversified has Failed to comply with Federal law under the Fair Debt Collection Practices Act, by not properly providing verification as I have requested under my rights.Diversified has Failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately on my credit report.
We refinanced and obtained a mortgage through First Mortgage Corportion with a first payment due XXXX/XXXX/15. On XXXX/XXXX/15 we recieved a letter from First Mortgage Corportion that our loan had been transfered to XXXX XXXX and that all payments starting XXXX/XXXX/15 should be made to the new servicer and the new loan number and payment address was included. All payments since then have been made to freedom mortgage and our loan as well as all escrow funds were transfered over sucessfully. We are now receiving collection notices from First Mortgage Corportion threatening forclosure. I did speak with a collection rep late XXXX when they called me at my place of employment and advised them of the letter I recieved and that on time payments have been made to freedom mortgage. The rep apologized for the mix up and said they would contact The new mortgage servicer to verify that payments had been made. I assumed that they had done that and closed out their records. Until XXXX/XXXX/15 when I recieved a letter dated XXXX/XXXX/15 threatening forclosure if payments for XXXX and XXXX are not made in addition to hefty fees that have been added. The payments for XXXX and XXXX have been made on time to XXXX XXXX. Just like First Mortgage Corportion requested in their letter dated XXXX/XXXX/15. What they are doing can not be legal
They refuse to let me make a payment over the phone without a cost. They refuse to give me a lower rate due to my finances because I have a co signer whom refuses to speak with them. Two years ago I sent them papers to change my name and it 's still my married name from 10 years ago.
I applied for refinancing my current mortgage with Bank of America and it got denied because they claim that they did n't get the accurate employment history from me even though I sent in all my previous XXXX 's and an offer letter for a new job on X/XX/17. After emailing all the information XXXX XXXX from BoA has requested, he assured me that everything ( including all my XXXX 's ) looked great and asked me to charge my credit card for the appraisal fee of XXXX on X/XX/17. At the end, the underwriter denied my application because not being employed for the last 6 months continuously was against their guidelines. Afterwards I asked for the reimbursement on my appraisal fee since it 's truly due to his oversight on this matter. If not being employed for the 6 months was indeed a problem, then he should have brought it up then. Instead he asked me to move forward with the appraisal without reading all the documents I emailed him. I tried to resolve this matter amicably by emailing him multiple times but I did n't get any response regarding this matter. I would really appreciate your help on this!
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX   and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
On XXXX XXXX, 2016 I received a phone call on my cell phone from an unknown number. The woman said her name was XXXX XXXX and that she was representing XXXX. She said that she had mailed out documentation to me that I had a complaint pending out of XXXX County. Told me that her time was limited and that i had not responded to the documentation. She knew where I worked. Said that she was going to call the payroll department to take care of the debt. 

I called back. She informed me that the debt was from the bank I had been with several years ago. That I owed {$990.00} to them and that if I did not pay the debt, that I would no longer be allowed to hold a bank account for the next ten years. 

Red Flags should have been : 1. I banked with this bank out of XXXX County, not XXXX County 2. This bank actually issued me a check in that amount over 2 years ago, stating that it was for unnecessary fines. 
3. They never sent me paper work stating that the funds would be removed from my account. Any debt collector sends a statement to you to let you know that the funds will be taken out so that you make sure that funds are in the account. 

I questioned it, but honestly, at the time I was in a stressful point in my life and she was scaring me that my bank account would be shut down. She knew my social security number, where I worked, where I lived ... So I gave her my debit card number and set up 3 recurring payments. The first one came out on XXXX XXXX, 2016 for {$320.00}. The second was posted to my account on XXXX XXXX, 2016 for {$320.00}. 
This morning I got paid and was working on bills. I wanted to call this company to see if I could split this last payment in half between XXXX paychecks. i looked up the company online and WOW! There are scam alerts out for this company. XXXX XXXX name was even listed as having called another person. 
I looked at my bank account to see if it had been debited yet, and drove up to my bank to try to stop the payment. I explained everything to them and tried to put a stop payment on the debit. Just that quick, they had already put the transaction through. I cancelled my debit card and filed a dispute against them with my bank. They are not sure if this final payment will take or not since I cancelled the debit card associated with it. I have to check back again tomorrow. 

I am not a rich person but I am not a dumb person either. It concerns me that they have all of this information about me. I have seen a few Blog scam alerts online. People discussing it, having the same issues, saying they need to file a complaint. I 'm not sure that any of them have, so I wanted to make sure someone knew about this group.
With Regions bank they have had a practice of overdraft fees that are not legitimate, although they have gotten better their is still an issue
I received a letter from I.C. Systems dated X/X/17, in regards to a delinquent debt from XXXX in the amount of {$56.00}. This is completely incorrect! XXXX had initially set up my account incorrectly and they closed my original account to fix the incorrect account, which is the account in question, and rolled over any amount due to my new account number. I am in good standing and have paid in full every month! I called XXXX and a very nice woman was able to resolve this matter for me and confirmed this was a XXXX error. She advised I file this complaint against XXXX so this does not negatively impact my credit. XXXX gave me a Reference # to confirm the delinquent amount of {$56.00} should NEVER have been charged at all or turned over to collections. This amount was incorrectly charged in the first place. I have had nothing but problems with XXXX from the very beginning and they have been unable to fix problem after problem! This is the last straw turning me into collections for THEIR error! They are an absolutely ridiculous company and I am sad I am currently stuck in a contract with them bundled with XXXX XXXX. What a horrible experience! I am happy to provide any account and reference numbers needed for this situation. Thank you.
On Thursday, XXXX XXXX, 2016, I used my Chase Debit Card to purchase XXXX XXXX tickets from XXXX to XXXX for an amount of {$690.00}. The debit card processed the transaction with no issue, and I was emailed a receipt and confirmation number for check-in. On Friday, XXXX XXXX, the passengers I bought the tickets for checked in at XXXX and were informed the confirmation was cancelled because the card was declined. I look in my account and I can clearly say that Chase took out the amount of {$690.00}. The passengers had to buy their own tickets as a result. I called Chase and it turns out they turned off the card because Fraud Detection was activated and Chase believed the card was stolen. I confirmed to Chase that I authorized the transaction but by the time that happened, XXXX already cancelled the reservation and submitted a refund to Chase. I called Chase and XXXX and disputed the transaction, but today is XXXX XXXX and I still do not have my {$690.00} back. I need this amount to pay rent and travel and Chase is making this harder than it should be.
Every few months or so, my credit card is compromised, and I am forced to change cards, and all my auto payments that are made using it, need to be changed with all companies that I do business with. If that is n't bad enough, I can not find out who / what company it is being compromised by ... so I can opt to pay cash at that company in the future. This is a waste of my time and energy - having to change everything all the time. I deserve to know what is going on with my card if I call and ask.
Navy Federal Credit Union Denied my access to my bill pay because it was link to Fraud Account that was close and they issue me new account Number and they did not link my new account with bill pay so they denied me access to account because of lack of them doing there job. Why would they hold the customer responsible for them not linking the account with right one. Continue Lack of unprofessional when hand product and services. Please investigate the Product and Services Navy Federal Credit Union offer to the members and ensure they are processing and according to United States Federal Regulation. Your service account has been suspended because we were unable to withdraw funds from your payment account. You will receive an email or letter in the U.S. mail about the returned payments. For info on reactivating your account, call XXXX. 
Because your account is suspended, you are currently unable to use all of Navy Federal 's Bill Pay Service 's features. To cancel a pending payment or to print a list of your e-bills and payments, go to Bill History.
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2015 Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.
An account that was deleted off my XXXX and equifax credit report was re-inserted and put back on my credit reports. This account ( XXXX XXXX XXXX XXXX ) was removed now upon checking my reports it is showing as accounts that are closed and as a charge off. XXXX has it listed under accounts that are closed and marked as needs attention ( which is wrong ). This account was completely removed off my report as it was suppose to be ( according to corporate office over at XXXX XXXX XXXX ). Equifax has it listed just as a closed account but upon reviewing the closed account it shows charged off. This account was completely deleted off my reports and now re-inserted into a different spot. Once deleted they are not suppose to re-insert.
XX/XX/XXXX I refinanced my mortgage with XXXX XXXX who sold my mortgage to Wells Fargo Home Loans. My first payment was due XX/XX/2015. Prior to me refinancing my mortgage, I was on a bi-monthly plan where I was reducing my interest substancially. I decided to continue with the 13 month, bi-monthly mortgage payment. XX/XX/2015 ; I made two monthly payments and subquently XX/XX/XXXX onward I started bi-monthly mortgage payments. After a several months, I received notices from Wells Fargo that I was late in my mortgage payments and I late payments accurred to my account. I called and was to the late payments would be removed and my payments would be adjusted. Another monthly went by and they kept marking my payments as unapplied and charging me a late fee. I called again and was told that I could not do bi-monthly payments on my own. Also, if I wanted to do the bi-monthly payment program to reduce my mortgage balance ; I would have to join Wells Fargo bi-monthly program. So I did to eliminate the problem of late fees and having my payments sit in unapplied funds. After five months of being in the accelerate program ; Wells Fargo has been withdrawing from my checking account and are not applying my payments according to a 13 month accelerated program. They offer a program however they are not enforcing a program they offer and I not reducing my interest and balance according to how an accelerated program should work. I 've participated in a mortgage accelerated program for the last 14 years therefore ; I am aware how it works.
This company is coming after me for a debt that does not belong to me. I asked for validation with a signed contract and from what company I was sent a receipt from an institution I did not attend. I am am a victim of indetity theft and this debt is not mine.
On XX/XX/XXXX, 1st Franklin is reporting a " 30 days '' late from XX/XX/XXXX. I have had several loans approved and refinanced with this company. I have never paid an account 30 days late. My accounts were refinanced and the payment dates changed during the time of refinancing.
In appliying for this new credit card, I was promised XXXX XXXX points ( XXXX XXXX Rewards points ) if I made {$3000.00} of purchases in the first 90 days of card membership. I made the required purchases in the first month of cardmembership ( in XX/XX/2018 ). Now, nearly eight months after completing the required spend, I still have not received the promised points. Ive called AMEX customer service about the issue at least six times to no avail. Each time Im promised they are working to resolve the issue. Please help me secure the promised reward points.
In  XXXX   XXXX  I received a letter fr om Afni Collections , Inc. regar ding a debt with  XXXX  as the creditor and the balance as {$4500.00}. I mailed a certified letter of dispute stating I do not owe this debt and requesting they verify the debt as required by FDCPA. Within 30 days I received what appeared the exact same lett er ( s ). I then followed that with another certified letter of dispute but stated they must validate the debt and to asked for the following : 1. Agr eement with your client that authorizes you to collect on this alleged debt.    2.  Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.    3. C omplete payment history on this account, to prove that the amount you wish to collect is accurate.     Within 30 days of my second letter I received another letter fr om Afni but all  they included of the requested items above was a bill. The bill reflects a bill period of  XXXX   XXXX  -  XXXX   XXXX   XXXX  and the same name as mine with an address in New York ... the bill shows the following devices :  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   With that said, I have never lived in New York nor have I ever set foot there and have been a Florida resident 100 % since birth. I have never owned/purchased/leased any of the above items and I have not had an account with  XXXX  for near ly 10yrs if no t greater. I believe this to be a result of identity theft. When filing my  XXXX  taxes in early  XXXX  I became aware of a fraudulent attempt of a filing in my name. Fortunately that filing was flagged and held and with me being an early filer it was never processed. There was no compromise to my knowledge and the IRS handled it well and assigned me a PIN, etc. My  XXXX  filing earlier this year was smooth and successful and my credit shows now compromise as well and it certainly does n't show any  XXXX  account or reflect such neglected behavior which I stated  to Afni in  my last letter to them. This is not my debt and  Afni nee ds to cease their actions towards me.     Kind regards
XXXX  was closed and I am not satisfied with the company response.   My original complaint : YOUR COMPLAINT After my  XXXX  in   XXXX   XXXX  , I decided to go into a public service position that I am still working in. I was aware of the  Public Loan Forg  iveness pr ogram and inquired about the requirements. My loans are direct and eligible. I consolidated my loans in   XXXX   XXXX  . I asked about whether this would change my eligibility and was assured that if I still made payments, I would be on track for the student loan forgiveness program. In   XXXX   XXXX  , I decided to submit my application to see where I stood. I received a response back in   XXXX   XXXX   stating that none of payments qualified. I contacted th e FedLoan  Services at  XXXX    XXXX   XXXX   to ask about this. They said it was because I consolidated my loan. They listed the eligible payment plans and said that I could pay a 10 year level payment plan and then be eligible. I stated that if I did that my entire loan would be paid off, so there would be nothing to be forgiven. She said " probably. '' I knowingly took a public service position, making less than I could in the commercial sector so that I could work towards student loan payoff. Now, after over 8 years, I am being told that my payments are not eligible. Why have a " forgiveness '' plan if you are required to pay it in full. There is nothing to forgive. I do not recall back in  2009  when I did this seeing anything that said a consolidated loan would not qualify. This program is a sham.  XXXX   XXXX  :  XXXX  University,  XXXX   XXXX , MO.     Company response : Uploaded PDF. I could not access the pdf to review the full response. I will respond to the comments listed. " FedLoan Servicing advised the borrower of the eligibility requirements for the PSLF program. FedLoan Servicing advised that the borrower 's loans were placed on  a 25-year Standard Level repayment plan, which was not eligible for the PSLF program. FedLoan Servicing encouraged the borrower to apply for Income-Driven Repayment ( IDR ), which is eligible for the PSLF program. " I was not advised that going on a repayment plan   of 25 years would make me ineligible for the PSLF program. To the contrary, I was told that if I made regular payments under the 25 year repayment plan that I would be eligible for the PSLF. I still do not understand how you can make 10 years of payments under a standard plan and still have a balance that would be forgiven.