WillisBack/dataset-financial-user-claim huggingface dataset:
I made a payment of {$440.00} towards a private student loan with discover student loans. This payment should have paid the last of the loan off, however while the money was withdrawn from my checking account the payment was never applied towards my loan balance. I have called multiple times and been asked for patience while they attempt to resolve the issue, I have messaged them through their online messaging system with similar results. I have uploaded a copy of my bank statement, as well as a letter from my bank confirming the payment, as they requested and still they have not resolved the issue nearly two months later. I have lost faith that they have any intention of fixing the problem at this point.
REVERSE MORTGAGE SOLUTIONS, INC keeps insisting they are in my financial business. Now they say They are BUYING ME INSURANCE AND CHARGING ME A FEE??? They have inserted themselves onto my homeowners policy as if they have some right to be there. They are removed every year. <P/>Now they have written me that they need to be " LOSS PAYEE '' on my business accounts. They are NOT A PART of my LIFE. <P/>They are like a tick burrowed in sucking blood from me and harassing an ID Theft victim that is elderly. <P/>I have the documents where my Insurance company removed them and XXXX REVERSE MORTGAGE , LLC they said they bought the " loan " from 10 minutes after I " signed for it. All baloney. <P/>I am attaching documents from my XXXX XXXX that parties were removed from my policy in XX/XX/XXXX-XX/XX/XXXX, the new policy and the deletion page. Same for XX/XX/XXXX-XX/XX/XXXX where REVERSE MORGTAGE SOLUTIONS, INC added themselves one again -- removed as soon as I saw, was sent new policy declaration page and the deletion of mortgagee page. <P/>Unbelievable for a company to be so ridiculous to scam money from elderly.
Navient XXXX XXXX XXXX XXXX has been calling me consistently trying to get me to pay a ridiculous amount of money which I am unable to pay. I have wrote them letters telling them to cease all phone calls and only mail communication, request debt validity, and negotiate an offer for payment monthly. They responded they ca n't make negotiations through the mail. I called them in order to negotiate a price that was reasonable based on my income which would be {$100.00}. The guy told me the only amount that he can offer me is {$320.00} per month. I have an income of {$1600.00} a month which I have to pay child support, rent, utilities, food, gas, credit cards, etc. When he calculated all my expenses I was in the negatives. I told him I 'm not going to put my family in jeopardy if I ca n't afford $ 320 monthly payment.
I had a Federal Student loan with the XXXX XXXX XXXX XXXX that went into default and they began to garnish my paycheck until the loan was paid off in full. The final payment was made over a year ago. In fact I over paid on the loan and received several refund checks from the US treasury department to repay back the over payment. A few months ago I was informed by my mortgage lender that I had an unpaid student loan appearing on my credit report. I thought he must be seriously mistaken but there was a balance of {$180.00} added to a school loan and it stated it was unsettled. I reached out to the XXXX XXXX XXXX XXXX about what was appearing on my report as well as disputed the era with Transunion. I was told by XXXX XXXX XXXX that my acct was categorized incorrectly and they would have to correct it and should reflect correctly in 7 days. I waited two weeks and called them back and the era had not been corrected. I was reassured that the problem would be corrected and was told this time that it only takes two days. My lender ran a check of my profile on some system ( due to me applying a gov backed loan ) and my name was cleared after two days. My transunion report was corrected as well. However, now on my XXXX report it is saying that I failed to make a payment on the acct this year. The acct was satisfied last year and there should not be anything due. They owed me. Now XXXX is not allowing me to dispute this acct again because I disputed it previously. My fear now included that XXXX  will be the next one receiving incorrect information on my report. This has cost me two homes in this home buying process. Please help
I 've called this company at-least two times a week. They will not give me a proof of my bill. There 's never a manager available, They wont even work out a payment plan with me. This student loan is causing a hold on my student account which means I can not transfer to any other schools to further my education.
I filed a dispute due to a charge on my Huntington Bank Credit Card that was not mine at the end of XXXX 2016. I have provided them with all the information needed to start my case and received a case number # XXXX. The case manager has tried to contact me by phone and left voicemail messages. When I return the call, I am routed from one agent to the next and have to provide all the details of the case over and over again and still am not able to speak to the case manager. It is clear I will not be able to resolve the dispute without speaking to the case manager, but the agents will not get her on the line for me when I call in or give me her name so that I can request to be transferred to her. This constant run around makes me think they are waiting for me to give up and boot me out of the system as an unresolved dispute since the amount was under {$100.00}. Please let me know if you can help. I can not be the only one frustrated with this lack of communication within the same " dispute resolution department ''. Thank you!
XXXX XXXX XXXX Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on Equifax and Showing 30 days late on same month reported good to other bureau, XXXX XXXX XXXX balance due is also different then credit report balance, shows XXXX but Bank XXXX XXXX Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on XXXX and for same month reporting to Equifax im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, XXXX  XXXX XXXX is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.
Carrington mortgage reported that I paid my mortgage 30 days late, when in fact if was only 29 days. They refuse to remove it from the credit bureaus.
Citibank charged a service fee and over-drafted my account twice. 

I've tried calling, chat ( waited 20 min ), and XXXX XXXX. They constantly closed our conversations and put me a new person to chat having to begin from scratch. 

I thought that I was going to get that service fee waived because I had the requirements within the dates of the same billing cycle. 

I talked to XXXX Saturday 15 when this was issued over chat and supposedly filed my complaint with the Executive Response Unit and was promised a call by them on Monday XXXX. Immediately after I took my account out of the overdraft threshold. 

On Monday XXXX, I went to a branch location and fixed the {$12.00} service fee. 

Now, today Tuesday XXXX, after 4 days the account was charged a {$34.00} overdraft fee and most likely they will attempt to do another overdraft fee tomorrow because of this last fee. Totaling {$80.00}.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against RECEIVABLE PERFORMANCE MGMT for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
I had hurricane damages so I gave Chase the check and they released XXXX so we then proceeded with the repairs, all were water related so they had to be done and it was more than they released to us. I then put my own money out for them all and work is 100 complete. They are still holding XXXX and said after an inspector that they sent it would be released. The inspector was out on XX/XX/XXXX and send them a report 100 complete. They said it was not sent, I contacted him and he sent it numerous time to them. He said it was them not processing? Don't know who is lying but I need my money, I suggested another inspector to come out and he did, same results house 100 complete. I called they said same not done? I don't know how to get my money, I used all my saving to get this done and wont have my mortgage payment among other bills until I get this. I am XXXX year old widowed veteran and live on a fixed income. I am sure you can understand how hard this is on me. I just want what is mine and not even a supervisor has followed through to help. I have spoken to XXXX XXXX, XXXX XXXX at Chase insurance their phone number is XXXX their tracking number for my house is XXXX. This claim check was first issued in XXXX of XXXX. I am attaching a text picture that the inspector sent to me of 100 percent done. His name is XXXX XXXX XXXX if you need that information. Thank you
I continue to receive statements from XXXX XXXX XXXX saying I still owe them money. However I already paid the invoice through their debt collector Transworld Systems , Inc. XX/XX/2016, the most recent bill is XX/XX/2016.
1 ) Credit Card Company - " GAP Silver Visa Card '' - " Synchrony Bank '' abruptly closed by Credit Card without giving any prior notice / call / email. Also reason for account closure given by bank ( as per below point # 3 ) never mentioned or discussed by agent earlier 2 ) Bank Closed my  card/account around XX/XX/XXXX to XX/XX/XXXX and I tried to use that 2-3 times during that week to get - a. XXXX XXXX XXXX XXXX ( For my family member who suffered from XXXX XXXX in month of XX/XX/XXXX ) b. Grocery Items c. other important stuff d. Also account closure impacted me heavily as this card is linked to my Car Insurance/Kids Day Care Fees/ Online Shopping Website etc. 3 ) After contacting to Customer Care ( Telephone ) - 2-3 times between XX/XX/XXXX- XX/XX/XXXX - they gave me unacceptable reason of closure of credit card. Reason I 've got == My Bank - which is holding my Checking + Saving Account has been rejected 2 Payments for Month of XX/XX/XXXX ( for Amt. - {$5000.00} ) and Month of XX/XX/XXXX ( for Amt.- {$1000.00} ) 4 ) When I checked my credit card account balance - it was showing balance - {$490.00} as of XX/XX/XXXX with Due Date XX/XX/XXXX - and I 've cleared that balance on same day. I requested Synchrony Bank to reopen by account as it could be some issue with my checking account during that time and those payments were already processed with balance of {$550.00}. Not sure why there was difference of some $ with respect to due amount - {$490.00} as I did final payment of {$550.00} on XX/XX/XXXX.. FYI - Current Outstanding balance is XXXX ( As of XX/XX/XXXX ) 5 ) If Bank is not able to re-open my account then I requested them to Transfer or Adjust my Cash Reward Points which was around {$400.00} as I am using this Card for approx. 5 Years i.e. from XX/XX/XXXX..Also my Credit limit was {$9300.00} and always used this Card for all type of purchase with full utilization ; which has benefited synchrony bank 6 ) I 've got very un-professional answers and they informed - their software system is not having account reopen feature and it 's impossible to re-open account & adjust my cash reward. Also I understood that bank does not have email id / digital process / telephone process to log complaint or reach to any senior person 7 ) I was most valued customer for last 5+ year with Credit Score XXXX and still bank is not able to re-open or adjust my cash reward points. We loved GAP showrooms and we would like to continue shopping there via GAP cards but after this kind of treatment we need to stop the GAP shopping.
I would like a written authorized signature stating I authorized these inquiries if they can not provide the documentation I would like it removed immediately
So far this morning they called me at XXXX, XXXX, and XXXX. I am currently at work and unable to answer the call and as I am typing this at XXXX, they are calling again.
I have XXXX credit cards with Citi Bank ( XXXX I use a lot, the other not so much - them being identical products ). I have been asking Citi to consolidate the XXXX cards for YEARS, they never did. Now, I called 3 days ago to see if the less used card can be converted to a Costco credit card and I was informed that it can be on the XXXX of XXXX 2016. I was going to call Citi for that today, when I noticed an email this evening that my card ending in XXXX had been closed ( credit line of $ XXXX ) for no reason. 
I called Citi and they told me they closed it for non-use. I was NOT disclosed any such terms when my Double Cash cards with new Terms and Rewards were issued to me last year. I was then told, oh maybe not when you got a new product, but they were disclosed to you maybe 5 years ago and of course they can not evidence that. I thought all products had their specific XXXX & XXXX and had to be disclosed ...?? 
Anyway, my card which was open as of this morning has been closed and with me calling within 12 hours of such closure, they want to pull my credit bureau report as if I was applying for a new account! And Citi does n't understand what reducing someone 's bureau by {$20000.00} does to their credit score?? 
Why would I want my bureau to be hit? I have another account - XXXX with Citi with a XXXX line, on which I spend a decent amount annually so it is not as if Citi does not know me or has a bureau report on me already!! They are holding a customer hostage telling me that my {$20.00}, XXXX credit line will vaporize from the bureaus tonight if I do not follow their way. My intent was clear wherein I called 3 days ago asking for a different product which I could use in lieu of this account, I could have also been informed and I could have taken remedial action in time. 
I would love to sue Citi on various points of contention above but mandatory arbitration saves them. I 'd rather have CFPB read this and figure this out for Citi 's XXXX.
In XX/XX/XXXX the national credit reporting bureaus ( XXXX, XXXX and XXXX ) respectfully agreed to ament the process in which all medical debt collections are to be reported. There was no past collection experience grandfathered protected by these adjustments that were administered by the Consumer Financial Protection Bureau, and these changes were to be effective immediately in XX/XX/XXXX. Accordingly, I demand my rights under this mandate to be applied on a medical debt that was never given the opportunity for adjustment through insurance, or to me mitigated directly with the hospital where services were performed. There should be a deletion of these collections, a new request for payment sent to me, and if not rectified within thirty ( 30 ) days, then a six ( 6 ) month or 180-day timeline goes into effect before the collection can be reported. The hospital in question could release the debt through options it has with any trust or endowment it controls, or XXXX the write off to me at the referenced address I leave with this complaint. In any event, I am entitled to relief from collections by an outside source ( s ) until I am submitted a new statement from the hospital in question, and the abusive tactics of using XXXX separate collection agencies for the same account is not acceptable. This only means that my information such as my social security number is being floated through a debt pool, leaving me exposed to identity theft and a number of other problems. The collection must be deleted across the board on every credit bureau as mandated by the Consumer Financial Protection Bureau, and I must be protected with both my personal information as well as my rights administered by a federal agency procured under Dodd Frank XX/XX/XXXX.
CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME.
I have recently paid of my loan to Sallie Mae. In the process of doing so I ended up with a credit. I called to receive my credit and have my account closed. I was told that it had to go through a billing cycle and the check would be mailed and account closed at that time. They told me it would be in the beginning of XXXX. It is now XXXX and I have not received the check, nor has the account been closed.
About XX/XX/XXXX XXXX XXXX made a predatory loan to me on my home. It was a negative amortization loan which I did not understand. The balanced balooned to $ XXXX when XXXX bought XXXX. I submitted multiple modification requests to XXXX and later XXXX. None were accepted because they kept claiming they lost the paperwork. XXXX sold the note to a hedge fund after a failed attempted short sale. The hedge fund located in XXXX, XXXX has refused various modification proposals and a refinance that I arranged through XXXX XXXX XXXX. They kept litigating to foreclose and take the property away from us. I declared bankruptcy on XXXX XXXX, XXXX and have bought some time but not much. BSI Financial the servicer refuses to cooperate as well. They have given me the run around. My loan number with BSI is XXXX, The loan is under XXXX XXXX. I invested {$450000.00} ( probably more than the hedge fund ) in the house which I bought for $ XXXX in XX/XX/XXXX. The original mortgage was $ XXXX. I got laid off from my job in XX/XX/XXXX from XXXX XXXX but kept up my payments until XX/XX/XXXX. Recently as I expressed to BSI Financial, my income is $ XXXX/month yet they refuse to modify. I also have a commitment from XXXX XXXX XXXX for a {$750000.00} new mortgage which they also refuse to consider. I need your help. We are hard working Americans and I was a XXXX XXXX and have an XXXX from XXXX University in XXXX. The market has been very bad in XXXX but we have been able to survive. I need you to set things right so we do not lose our home. I have XXXX children and have been married for 20 years and together with my wife 30 years. Please help. XXXX XXXX
Hi, I signed up for the US Bank XXXX XXXX credit card. One of the features of the card is that it earns 2 extra points per dollar on mobile wallet purchases, such as XXXX XXXX, XXXX XXXX, or XXXX XXXX.
My account was closed because I " abused '' the 2 extra points per dollar use by purchasing gift cards via XXXX XXXX. I spent about 400-600 dollars per month on gift cards on XXXX XXXX, and about 100-200 dollars per month on other purchases using XXXX XXXX  totaling about 1,000-1,600 extra points per month. This equates to roughly $ 10- {$16.00} per month. For a credit card with a {$400.00} annual fee, I believe that this is not a significant amount, similar in spending that I do with other credit cards that give extra bonus points for gas or restaurant spending.
Furthermore, the use of XXXX XXXX to purchase store gift cards is not explicitly disallowed in the terms and conditions. The terms and conditions ( XXXX XXXX XXXX ) state that " Qualifying purchases do not include Convenience Checks, Advances ( including, but not limited to, wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements ), Balance Transfers, Interest Charges and Fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. '' I believe that US Bank thought that my gift cards were cash convertible items. However, they were gift cards on sale that I purchased to obtain a discount on future purchases that I would already make or give to others as a gift ( pay {$20.00} for {$25.00} XXXX XXXX gift card, for example ).
My online account is closed off to me so I can not attach any documents or statements at the time.
I sent request and request, request for validation and verification of this alleged debt being reported on my credit file. This is NOT my debt and i am a victim of ID Theft. This company will not response to my request but continue to contact me to make payment
I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting me. When contacting the company the account is listed as XXXX. My name is XXXX and XXXX has never been my last name.
You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX ** which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.
I have overdraft protection set up via a link from my checking account to my credit card. Bank of America charged me {$35.00} on XX/XX/2018 and {$35.00} on XX/XX/XXXX. I was told that my card wouldn't work if there wasn't money on my credit card to cover any transactions when I agreed to set the link up. I am disputing the {$70.00} worth of overdraft charges.
Since about 6 months before Freedom Mortgage purchased our loan from the previous servicing company XXXX XXXX, we have been inundated with mailings for refinancing to ARM loans and once we read further into Freedom Mortgage practices we discovered that their practice of not reporting on time payments will affect our credit negatively and their online customer service is non operable and there is a {$15.00} fee for over the phone customer support. This is the epitome of a predatory company!