WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I paid off off XXXX bill or shortly after and and started my service with XXXX on the same day XX/XX/XXXX. Later around a month-and-a-half I was sent a bill for {$280.00} from XXXX claiming that they were sending it to collections so when I got my bill I went into the XXXX store and had a conversation about this issue and was told that it was after that if there was 20 days left in the month and that 's what that charge was. Which is illegal to do and I have since gone to them and ask him to show me where it 's listed in their contract and they did not show me because they could n't produce the information. 

Two days ago I called the answer to the collection agency and was forwarded to the internal law office where I spoke to someone that was very rude and did not want to give me any information regarding the charge that I supposedly must pay before they can take it off of the credit bureau butt this derogatory inquired that was placed on my credit is not right because it 's not a credible charge from XXXX which should have been verified by the credit bureau before putting it on to my file. 

By placing this on my credit report it brought my score down by XXXX points or more and he 's threatening 2 damage my credit even more and to take me to court for {$280.00} which is ridiculous. 

I would have made the payment arrangements but I do n't owe the money so why make the payment arrangement I asked could they give me or show me proof that we owed them money and they said no, you no longer are a customer, I was told that l am a client and someone that you have to deal with now! ( Pure Ignorance )
Received a voice message from a man named " XXXX '' on my personal cell phone, referencing a case # and a phone # to call back for any questions or to make a payment. Also stating he was on his way to my residence as well as my place of employment to serve me some important legal papers. I called back the # that was left and got a recording stating it was Creekside recovery and capital management, I gave my case # and informed the gentleman I had filed for bankruptcy in XXXX of 2014 and asked why I was being called and was promptly hung up on.
In XX/XX/2018 I purchased a home with financing from Primary Residential Mortgage , Inc. headquartered in XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I used a local agent named XXXX XXXX. I did not want to take any money from my retirement to attain 20 % down and I was advised that I could get REFUNDABLE PMI. I agreed to pay {$7800.00} and was told that once I achieved the 20 % equity I could apply for a refund. I sold my previous home, I owned it outright and paid enough to qualify for a refund. Prior to making the payment I inquired as to how to handle the refund process and was told there was no refund provision. The loan had been sold to XXXX XXXX  and this was their position. I contacted PRMI many many times and according to XXXX XXXX everything would be ok as he confirmed our agreement for REFUNDABLE PMI. We actually came to the decision for this provision face to face at my home in XXXX, RI. My wife is a witness to this meeting. He does not respond to my inquiries any longer and I have not received any refund. 

this loan was sold almost immediately to XXXX XXXX. I contact them in XX/XX/2018 to inquire about the refundable PMI and they advised it was not effective.
well i had some financial issues and i have told them several times stop calling me/ as i am going for chapter XXXX and now my credit report is showing XXXX items for collections? it is hurting my credit report even more when i have told them over and over to take off my credit reports.
I had an opened a account with JC Penny which is backed by XXXX XXXX. When I opened the account they credit limit was XXXX, my credit limit was lowered to XXXX they impacted my credit. My credit limit was lowered to XXXX that impacted my credit, now they have closed the account which has impacted my credit again. I received a credit alert that my credit had been affected by account closure. XXXX XXXXclosed my account without my knowledge.I have had an issued with this bank from day one. I paid the account off.I had n't used the account because I was in the process of purchasing my home and was told to pay the account off and not used the card. 

My account has always been paid on time and never late.
XXXX written statements were received in the mail indicating that a collection agency was seeking to collect a debt. In addition, the statement was also sent to a previous address. I do not owe the amount that it states. 

Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX Phone : XXXX
In 2014 I successfully invalidated a XXXX XXXX account from my Experian credit report. Experian just let XXXX XXXX re-insert it after 6 months knowing that it had been invalidated and deleted. The Consumer Financial Protection Bureau as well as the Federal Trade Commission highly scrutinizes this abusive practice by financial institutions and must cease these actions immediately.
Last XXXX, 2014, I was checking my Chase checking account balance online. To my surprise, I noticed a charge of approximately {$1500.00}, that was trying to be put through. Fortunately, it did not go through. I did not/could not identify who was trying to put the charge through. I called Chase, whom I bank with. I was told that they could not identify who was attempting to try to take money out of my checking account, without my knowledge. I assured them that I did not authorize the charge, and they assured me that the charge would not go through, and that they would reverse the service charge that I was charged. OK, problem resolved. Far from that. I have a mortgage, with my Father, on a piece of rental property that he owns. My Father is aging, and his XXXX, so I have been taking care of his personal/business affairs. To my surprise, I received the mortgage statement from the mortgage company that holds the mortgage/note on the piece of rental property. They were the ones that had tried to put through a payment out my account for a mortgage payment ; Chase Mortgage. I contacted them to see why they had tried to do this without my knowledge. They told me that they had contacted my Father, which my Father does not remember, and that he had authorized the payment, out of my account, that my Father does not have his name on, nor does he have any authority to withdraw any funds from. Chase Banking could not identify Chase Mortgage????? I contacted Chase mortgage to try to get this matter resolved amicably. I spoke with several representative from Chase mortgage, and requested that a resolution would be to forgive the approximately {$1500.00} that we were behind on our payments. They stated that they did not have the authority to do that, and to contact Chase corporate. They gave me the proper contact information, so I thought. XXXX, no response ; XXXX, no response ; XXXX, no response from Chase. I did receive a letter from a collection company in XXXX ; they said that they are an attorney 's office. If this is an attorney 's office, that explains a lot about our legal system. Over the next 2 months, they sent letters from numerous people, whom I tried to contact, with no response from them. Finally, I did get a call back, and was able to talk to someone, who assured me, that they were the contact person. I give him credit, Chase corporate, did get back to me. Their finding was that they did nothing improperly. Really ; the person that I spoke to in XXXX, after an investigation, stated that they acted improperly. The property is currently in foreclosure, which is a side issue. If Chase corporate had made an attempt to get this matter resolved, we ( us or Chase ) would not be in this situation. This explains a lot about why our banking system is in the shape that they are in. I do have all contacts, documentation, the contacts that I spoke with, and the dates. ( Chase, the collection company, and supposed attorney firm. ) How many other people has this happened to? How many other people have the means to pursue this? Worse then that, how many other people are not aware that they have been deceived?
Transunion had a computer glitch and removed all of my inquires and a week later put them back on, with out informing me. By law they only have 5 days to inform me and since they did not they broke the law.
I referred my brother to a CITI Bank account on XX/XX/XXXX. CITI bank has a member get member referral bonus of {$100.00}. Its been more than 6 months and I still have not received my {$100.00} referral bonus. Every time I call CITI, they say I should wait more. It's already been 6 months and they refuse to tell me when I will get my {$100.00} referral bonus.
To Whom It May Concern, My name is XXXX XXXX. I have Chase Freedom credit card from Chase Bank. The Chase Freedom credit card comes with a card holder benefit that you can earn 5 % cashback bonus on certain spending categories each month offered by the Chase Bank. 
I have signed up the 5 % cashback bonus program for XX/XX/XXXX that includes spending at Supermarkets XX/XX/XXXX. I have XXXX Chase Freedom credit cards and I have always signed them up at the same time. 
Under the impression that I am eligible to earn 5 % cash back on spending at the Supermarkets, I have used one of Chase Freedom credit card for all my spending at all Supermarkets that I shop for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I did not see any cash back bonus earned on my credit card statement for these months. I finically made a phone call to Chase Bank questioning about my eligible 5 % cash back bonus, and to my shook they told me the only credit card that I signed up for the second quarter cash back bonus program is the one that I did not use at the Supermarkets and the credit card that I did use at the Supermarkets was never signed up for the program at all! 
What more troubling to me is this is not the first time that had happened with my Chase Freedom credit card that they claim I did not sign up the cash back bonus program and all my eligible spending were excluded from it. Chase Bank used to send out a confirmation email to the customer when they sign up for the quarterly cash back bonus program, but they have stopped doing that for the past few years. The only way consumer can verify their sign up status is view through Chase account online. 
I am like most of consumers do not do a screen print when you signed up the cash back bonus program, and that is where I believe the Chase bank had engaged in targeting certain high spending consumers who signed up the program, but do not provide them with any confirmation then later remove them from the program to eliminate their eligible cash back bonus and to boost the bank profits at same time. 
I believe I am not the only victim that had fall into their traps, and it has become a new tactic for Chase Bank to boost their profits by cheating on consumers like me. I believe Chase Bank 's actions have constituted a fraud and it worth further investigations by the Federal Government. 
Sincerely XXXX XXXX
There is a company Santander that is reporting I owe XXXX which is inaccurate. This is a very old account that was in a flood and insurance paid. I have disputed ask for validation and nothing has been received. Please help
I have a checking account with a XXXX XXXX XXXX XXXX Bank : XXXX and I perform all my on-line bill pays EFTs through them. I have attempted to pay Capital One Bank XXXX XXXX XXXX months in a row. they send the payments back and charge me a late fee penalties in order to collect. I have never been late with this account ever. Bad banking practices. I now consider the account lost and stolen and they can go to court to collect the principle. I do n't understand turning down perfectly good money payments and do n't know what their problem is. My home bank at XXXX has the attempts to pay on record and can willingly submit them as evidence.
In XXXX of this year USAA Bank corrected some of thier mistakes on my credit report however due to them reporting the repossessed car 90 days late 44 times per a current report my score continues to be affected. I am obtaining reports from several banks that have run my credit, overcharged interest, or denied a loan due to this mistake.. In light of recent events I am requesting that this mistake be corrected as well. I am also demanding that USAA refinance the truck loan that was taken in XXXX of this year at a very high interest rate due to thier mistake.. I am also demanding that USAA REFINANCE my home that has now been denied due to thier erroneous mistake following the dispute that was made by me last XXXX. As they responded in my earlier complaint they admitted to wrongly reporting information that the car was still unpaid. Until USAA corrects the reporting my score will continue to be grossly miscalculated. I have met with an attorney here in AZ and he did suggest this contact one more time to see if we can resolve this matter without legal action. I am tired of this problem that I did nothing to create. The refinance amount that I was approved for latest year before USAA falsely reported this account was XXXX. This was to be a cash out refinance to pay off student loans and complete the remodeling of our home. Since this is USAA 's mistake they should have to fix the problem this is the only way that I will accept closure of this issue. Failure to resolve this in a timely manor will result in further legal action and unnecessary court fees to USAA. THEY CLAIM TO TAKE CARE OF VETERANS AND THIER FAMILIES FOR LIFE YET THEY HAVE DONE NOTHING BUT XXXX UP MY CREDIT FOR THE LAST 2 AND A HALF YEARS.
In XX/XX/XXXX, we paid Chase Mortgage {$100.00} ( item 2 ) from our savings account to recast our existing 30 year mortgage. We did this at the branch with our banker XXXX, ( item 2 ).  XXXX was on the phone directly with XXXX from the recast department. XXXX confirmed receipt of the funds and emailed a document to XXXX outlining our new payment amount and start date, ( item 3 ). It does state on that document that a letter asking for a recast is required. XXXX, our banker asked XXXX at the recast dept if the letter was still required as the funds were received and we verbally asked for the recast. XXXX 's response was that no letter was needed and that she would open the work order for the recast and that the new payment was to start XX/XX/XXXX per item 3. At the end of XX/XX/XXXX, we received item # 4 informing us that our mortgage payments were not paid in full and that our credit would be impacted if funds were not paid in full. We contacted XXXX our banker and met with her to iron this issue out. After 2 hours talking with 5 different people at the recast department repeating the issue with each we were told that XXXX had never opened a work order and that only now was one being opened and that it was being done too late to allow for the recast to apply to the XX/XX/XXXX payment. In other words XX/XX/XXXX would have to be paid at the old amount ( without recast ). We are not dealing with an XXXX XXXX at XXXX who is attempting to help us but her hands are apparently tied. From item 5 you can see that we paid them the money that we did not owe to avoid their threat to impact our credit. 

So in essence, Chase bank has used our {$100000.00} and loaned it at interest while still charging us the full interest amount on our mortgage for going on 5 months. My wife and I did everything we were supposed to do except send the letter requesting the recast that was to start the work order. We did not do that, XXXX in the recast dept stated that she would open the work order and no written request is needed. That statement was witnesses by our banker XXXX. 

I can not understand why a recast should take two months to begin with, why the bank can use your funds while still charging you full interest on your mortgage. We were told that was " Policy '', and I saw it as a revenue generation process rather than a actual " Policy ''. 

We want our interest payments back for all months after XX/XX/XXXX ( XXXX, XXXX, and soon XXXX ). A letter of apology would be nice as well as the interest from XX/XX/XXXX. Can not think of a single reason why, in the age of computerized banking, that a payment can not be processed with a weeks time.
I am an international student with valid status and XXXX form my school. For unknown reasons ( probably being a citizen of those sanctioned countries ), Bank of America closed my credit line and blocked my checking and savings account. Bank of america already had my XXXX, passport, visa and drivers license documents on their file. Closure of my credit line has affected my credit score adversely.
Child support account showing on my credit reports is not mine. I have disputed and it was not deleted.
Collector was informed that I can not receive phone calls at work. Continues to call my place of employment.
A 3rd party insurance claim check in the amount of nearly {$41000.00} to initiate home repairs was received/endorsed by Nationstar. They advised they mistakenly applied the check to our existing outstanding mortgage ( which was less than {$2000.00} escrow included ). This " error '' was discovered in our request to expedite the process. A representative advised the most expedient way to obtain the funds would be to sign an affadavit consenting to their " error '', then the remaining funds would be release via check to us, not the contracted provider-despite all documentation advising otherwise. We, nor the contractor, have received payment OR disclosure of this " revised '' procedure. This hideous, fraudulant-appearing, " mistake '' began mid-XX/XX/XXXX, yet not documented until XX/XX/XXXX. ( See attached. ) Several requests for explanation, documentation, and expedion of said funds have been delayed, ignored, or misdirected. The most recent advice, received on XX/XX/XXXX, is that release of the funds require a minimum of 30-45 days to process. Nationstar advised the " start '' date of that process is that of when they process the necessary paperwork NOT that of when they endorsed the check so who knows when to expect the money. Meanwhile, our home awaits a much needed roof. 

The complaint begins with XXXX not advising us in a timely manner of the sell of our mortgage. This, in fact, complicated the process from the onset, as the initial insurance claim check was written to them as the 3rd party. A total of 4 different checks were submitted by the insurance company due to the lack of timely communications between mortgage companies and us, and the inaccurate processing from NationStar. Secondly, NationStar applying home repair funds to the mortgage, then requiring approval to proceed.
I left XXXX XXXX in XXXX of 2017 and enlisted in the XXXX and reported on XXXX XXXX, 2017, my PEBD. 

I logged in to Nelnet today and saw a letter telling me that they received my application for a military deferment. 

I never requested that. This was the first time I had ever logged on. 

I called the Nelnet Military line and was told this letter was automatically generated based on the information they get from the DoD database. 

This letter told me exactly how to get in a military deferment and made no mention of income driven repayment plans, which I learned about from XXXX XXXX XXXX, my financial counselor. 

This letter encouraged me to put my loans in a military deferment and even said I requested it.
I have contacted this company repeatedly to advise the car was purchased back and paid for by the dealership XX/XX/XXXX and the funds for the vehicle were cashed in XX/XX/XXXX and the remaining balance was sent and cashed by the company on XX/XX/XXXX. They have now falsely reported to my credit a late payment to a car I have not had in over 6 months and in their system their last payment of record is XX/XX/XXXX which is incorrect. They have made my credit drop 51 points!!!! I even gave authorization for the dealership to contact the lender to provide the check number amount and confirmation of the check being cashed. This is not fair to me or my family!!
I asked for a Payoff Quote on or about XX/XX/XXXX. Bank of America said they would send one to me, and also provided information in my account center regarding that I could obtain payoff information within the user interface. It indicated that I could obtain Payoff information on our Website by logging on, selecting Account Information from the Navigation Bar and selecting Payoff Information. This in no way was provided as an option on the website. I called in to customer service to obtain payoff information and was provided it over the phone, and they seemed to think that a payoff quote was sent to me via regular mail, but confirmed that payoff information and the navigation bar is not available. Bank of America should stop providing this documentation within the account center, as it is totally inaccurate, and confusing and very inconvenient for the customer that receives that incorrect information and looks on the website for a payoff quote. Account Center Letter indicates : Dear XXXX, Thank you for your Internet inquiry addressed to the Customer Service Department pertaining to your mortgage account. 

A payoff demand statement good through XX/XX/2016 was requested to be mailed to you on XX/XX/2016. Please be advised you may view your Payoff Statement on our Website. For Payoff information on our Website please log on, select Account Information from the Navigation Bar and select Payoff Information. Some loans may require special handling and are not available online at this time. To obtain this information please call XXXX, XXXX PST. A fee for this service may apply to some accounts. 

For further questions or if we have not fully resolved your concerns, you may contact our Customer Service Department at XXXX, XXXX, local time. 

Thank you for communicating with us electronically ; we appreciate the opportunity to be of assistance. 

Original Message : Please provide a payoff quote good through XX/XX/2016, with an itemized breakdown. Please provide a quote that considers that I 've made my XXXX payment ( so that amount is not included in the payoff because I 've already paid it ). thank you!