WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX of XXXX I contacted Navient to enter a income based repayment program based on financial hardship and not being able to make the full amount due each month. On XXXX XXXX XXXX I emailed the requested bank statements and proof of income. On this day I was told my information was received and the monthly repayment amount of {$290.00} was agreed upon. I agreeed to have this amount automatically deducted from my personal checking account starting on XXXX/XXXX/XXXX. I was told that the submitted documents would be reviewed and if the amount was not approved I would receive a call back. Since XXXX/XXXX/XXXX. Payments have been deducted from checking account in XXXX, XXXX and XXXX. On XXXX/XXXX/XXXX I started receiving phone calls every hour regarding my private loans. I spoke with a representative on XXXX and was told my paperwork was never approved because my bank statements and pay stubs were not received. Even though payments had been made. I resent the email containing the requested information sent on XXXX/XXXX/XXXX. And noted I never received communication telling me this was the case. On XXXX/XXXX/XXXX I spoke with a manager in the department that explained my paper work had to be reviewed and approved and the amount I agreed to pay ( which had been paid for the past three months ) may now be denied and the rate could change. This has now been reported on my credit report.
First let me state this company ( Synchrony Financial ) has XXXX complaints at the XXXX. 
For years I have been a customer of Rooms to Go. I have automatically sent the same payment each month and I try to pay the amount early so I am sure not to have a late fee charged to my account. My account was paid off in XX/XX/XXXX. I purchased more furniture from Rooms To Go on XX/XX/XXXX for {$1800.00}. The payment set up by Synchrony is due on the XXXX of every month. I immediately sent a payment of {$100.00} ( even though the minimum was {$52.00} ) for the XXXX statement due on XXXX. It was posted on XXXX/XXXX for the XXXX due date. The next payment of {$100.00} I sent early and it posted on XX/XX/XXXX for the XXXX due date. The next {$100.00} payment was posted on XXXX for the XXXX due date. However, I was charged a {$25.00} late fee even though I paid the XXXX payment on XXXX. The next {$100.00} was posted on XXXX for the XXXX due date. I was charged a {$35.00} late fee. The next payment {$100.00} was posted on XXXX for the XXXX due date. I again was charged a late fee. The next {$100.00} posted on XXXX for the XXXX due date. The next {$100.00} was posted on XXXX for the XXXX due date. When I found out I had been charged {$95.00} plus {$2.00} interest in late fees I contacted Synchrony to discuss this issue. I was told I had made a late payment in XXXX ( which was paid early ) and the late fee was taken out of my payment which resulted in the next payment being less than minimum. So I was again charged a {$35.00} late fee. The following is a summary of my recent transactions and payments for my Rooms to Go account with Synchrony : XX/XX/XXXX XXXX BALANCE XX/XX/XXXX purchase of Furniture {$1800.00} with {$1700.00} financed. Statements were emailed with no paper statements received. 
The following are payments posted by Synchrony:XXXX/XXXX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX LATE FEE Charged $ XXXXXXXX/XXXX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX purchase of Furniture $ XXXX {$100.00} payment ( due XXXX ) minimum payment due was $ XXXX LATE FEE CHARGED $ XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX LATE FEE CHARGED $ XXXX Interest charged $ XXXXWhen I finally was able to talk with a " real person '' in customer service, he could not understand my complaint but stated he would refund {$35.00}. I explained that no one ever called me to ask about late payments and my payments were paid on time every month and many times earlier than the deadline. I also explained the statements were all emailed and some never got to my email account but my payment was always made on time. However, he still stated he could only adjust my account {$35.00}.
I originally received a phone call from Harris and Harris ( debt collection company ) on my home phone. When I called back they said it was for my son who has not lived at our address, or in the same state, for 10 years. I asked him to call them which he did. He never got an answer. He said he has no debt, has never received a letter of collection. Now I am getting the same calls on my cell phone ( XXXX ). I always have the same recording which says they are debt collectors and to call them. I called them today. You do n't get a live person to speak with, just a voicemail you can leave. I left the message that I would be filing a complaint against them today. I also do not have any debt and have never received any past due notices for anything. This appears to me to be a scam to collect money from unsuspecting consumers.
I have a loan with a loan company named One Main Financial. I have been paying this loan for about 3 years, since the interest rate is so high I am only reaching the halfway point of the loan amount. I want to do a balance transfer to lower my interest rate so I can pay the loan off faster ; however, when I called the loan company to complete the balance transfer they did not allow me to complete it. I believe that they are not allowing me to complete the balance transfer so they can keep me at high interest rate. I have paid them about XXXX in the time since I got the loan. The amount I already have paid is more than what the original amount of the loan was, and i still have a balance of over {$1600.00}, and my current interest rate is not printed on my monthly statement. I feel this company is being unethical because i am trying to help my situation to get out of out debt by lowering my interest rate and they do not allow me to a credit card balance transfer that would allow me to pay it at a 0 % interest rate.
Since XX/XX/2017 I have been in contact with AES to inform then that I am in school. They made minimal effort to properly inform me of information about my loan. Every time I have called I've given new information. When I spoke to someone in XX/XX/XXXX they said they sent out an in-school deferment form for me to sign, which I did not receive. I called to ask them to send it again earlier this month, they told me that I should've received it in my electronic inbox instead of by mail and that they would be sending it again that way. A few days later I receive an email stating I am not eligible because my account is in delinquency. I haven't made payment because I have been under the impression that my in school deferment would be rightfully instated, just as it has with XXXX. I contacted them again early last week and they told me that my school never submitted enrollment verification with the XXXX XXXX XXXX. I call the school who provides me with dates in XX/XX/XXXX that they have submitted my enrollment verification. This prompts me to call the XXXX who provides me with all of the dates starting in XX/XX/XXXX that they provided AES with verification of my enrollment. Throughout my multiple calls to AES over the week they give me varying excuses as to why I they can't provide me with in school deferment until finally a manager calls and tells me this morning that it's been five years school my loan has been disbursed therefore making me ineligible for in school deferment and I am out of options. I am distressed by how ineffective everyone I've spoke to has been since my contacting them in XX/XX/XXXX, and my credit score has dropped. Currently I am in a XXXX XXXX XXXX XXXX XXXX program and had I known that I was ineligible for in-school deferment back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth, I would have found a way to make the payments back then so my credit score would not have dropped and my account wouldn't have been in delinquency.
I had a dispute open with Portfolio Recovery Associates regarding a XXXX XXXX Account. I wanted to know the validity of the debt b/c I had never entered an agreement with them, and was told that I owed this amount and it was due immediately. This dispute originated in early XX/XX/XXXX Over the next several months, I sent a total of three certified letters asking in different ways to provide me statements of this account so that I can see the accuracy of the amounts. Finally after waiting several months, I received a one page letter indicating the amount owed. I still have yet to receive any statements, but did receive a letter stating my dispute was closed, and now charged off. 
In my original dispute, I also asked not to be contacted by phone. They began calling a month into the dispute. I find it to be very distracting to my work, and personal life, and I would prefer a different method of contact. Over the past month (XX/XX/XXXX ) I have received numerous phone calls from Portfolio Recovery daily. They have completely disregarded simple requests, and made it very diificult to continue working with.
Three times I have submitted requests to the 3 individual credit bureaus as well as ACS Education Services requesting the inaccurate reporting of the late payments in XX/XX/XXXX & XX/XX/XXXX to be removed for all 4 of my federal loans with acct numbers XXXX, XXXX, XXXX, & XXXX. <P/>The agency reported a timely payment in XX/XX/XXXX, 60 days late XX/XX/XXXX, & 90 days late XX/XX/XXXX for all my accounts. During this time I was struggling with the company to approve my IBR. OnXX/XX/XXXX I spoke to agent # XXXX with ACS who retro-acted my deferment to XX/XX/XXXX to be active until XXXX. I followed up onXX/XX/XXXX, to ensure my account was current was spoke to a man, XXXX, @ XXXX XXXX ( MST ) who stated I was in deferment with a bal of {$0.00} since XX/XX/XXXX. <P/>Every time I have requested the inaccurate reportings be corrected ACS places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.
Notifications about debt were not being sent to the correct address. They were apparently sent to a previous address that I no longer live at, therefore, I did not know a debt collector was trying to reach out to me. I found this out by trying to get approved for a mortgage loan to buy a house, and i could not due to these collection debts. 


Harvard collection : ( medical ) opened : XX/XX/XXXX reported:XX/XX/XXXX balance : {$42.00}
I applied for a chase sapphire reserve credit card but CHASE said that they couldn't verify my Social Security and my information, but they could create a hard inquiry, so I think there was an error in their system. I called them and I said, why couldn't you verify my Social Security when you could create a hard inquiry and they respond sorry we couldn't get your information. So please I want to remove the hard inquiry because this is affecting my credit score. 

CHASE CARD XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
I 've had a Costco Visa credit card for 3 months. Every month I make a one time payment for all my purchases with my XXXX XXXX checking account that is linked to this credit card. A VERY excessive payment hold is placed by Citibank after they have already received the money. Because of these excessive payment holds I 'm unable to use the credit card because they do not adjust the available credit. Payment hold times after Citibank receives the funds are so excessive this seems illegal. I spoke with a Citibank manager via phone who stated that he totally disagrees with this practice. He stated " once a payment posts we should not continue to place a hold on that available credit for such a long time ... sometimes up to 2 weeks ''. Unfortunately, the only way to remove this hold is for customers to call Citibank and request a 3-way call with their bank to confirm payment. I 'm considering closing this account because the time I spend each month with Citibank making that 3-way call is a lot more valueable than the benefits this card offers.
The man who previously sold me the XXXX XXXX ( XX/XX/2012 ) knew the people or were related to the people who had multiple keys to my used vehicle. These people repeatedly had my vehicle damaged and vandalized. The XXXX male who sold me the vehicle also knew people who worked at the XXXX Police station and they also vandalized my vehicle, repeatedly and they kept towing it because they do not like XXXX XXXX females. Light skinned people have a tendency to make up false accusations and reportings of me. I am in pain and walking and I believe they were trying to XXXX   me. I help my family out while driving due to the fact that they are XXXX and XXXX. Now, that I ocassionally get on the bus, people are laughing and hitting me. The seats are also disgusting and I have a problem with my foot. I need some of my money in return. I need all or most of of my money back to buy a car from someone else who is not a XXXX. I set up payment arrangements and my payments kept getting stolen from my bank account, and someone was hacking my phone calls as well. I never got to speak with a real representative from XXXX XXXX because someone was stealing money from my bank account and using my phone number. XXXX never sent me an invoice or a final notice of a sell or possible repossession, I need to have this matter resolved as soon as possible. I was XXXX  and XXXX. I need a vehicle. I am asking that someone speak to XXXX about giving me some of my money back due to vandalism from the people who sold me the vehicle and his affiliates. The XXXX male knew people who towed my vehicle, who ruined my vehicle, and he plotted to possibly have me XXXX. I need a vehicle that works properly. I think that I may need money or a check. Could someone help me?
I disputed several times this account. Requesting for verification of the account that is leaving my credit profile in a negative manner. My request is to please delete this information with unproven evidence.
I requested a copy in writing from Annual Free Credit Report of my credit report ; I received a notice from XXXX and Experian stating they had sent it to me ; I did not receive a report from XXXX or Experian ; ( Note : I did receive my free copy from XXXX )
Rushcard did send out emails to inform customers of technology updates XXXX Monday XXXX XXXX that should have been completed by XXXX.This in turn denied ALL access to funds on card.The next response from the company was that updates were taking longer than anticipated so as of today XXXX XXXX ALL Rushcard members do n't have access to all or part of their funds, have n't received direct deposits from employers..nothing.there is no one answering calls from Rushcard or Metabank or they hang up on you.So no answers and no money.my employer will not cut me a check because the direct deposit was accepted by Rushcard and they have n't rejected the funds.My paycheck as well as other card members is being held hostage with these companies.as of now ca n't pay bills ... .missing work ... this is devastating and I 'm sure there are people affected more deeply than myself.please help.
Today, XX/XX/2018, I called Experian to dispute over 20 addresses that are incorrectly reporting on my file as well as remove the credit freeze and fraud alert from my report as it was hindering creditors from pulling my report. I was hung up on twice and cold transferred twice. The website dispute does not work at all. I explained to all four representatives about these addresses. I was cold transferred by one agent to another stating she could not help with disputing the addresses all at once. The phone hung up as soon as she attempted to transfer me. I called back and a male told me that the previous rep had lied to me about not being to dispute the addresses. When I asked for his name to add to my case notes, he released the line in my ear.

All of their calls are recorded. Every call. I phone from XXXX. Screenshots of the calls are attached.
I requested a Wire Transfer Withdrawal from Coinbase.com on XX/XX/XXXX for {$2400.00}, and it showed as completed in my Coinbase Account History the same day. 

The reference code for the request is XXXX and the reference code for the wire transaction in history shows as XXXX in Coinbase. 

Yet, I have not received the money in my bank account. My bank said there has not been any incoming wire activity recently. I have my bank statement attached, showing all activity from XX/XX/XXXX to present. There has not been an incoming wire transfer from Coinbase. 

I requested this wire transfer before the site said there would be delays with wire transfers. It has been 11 business days now. At first, they made a status update on XX/XX/XXXX that wire transfers will be delayed by 3 business days. Then on XX/XX/XXXX, they said 5 business day delays. Then on XX/XX/XXXX, they said 7-10 business day delays. 

I have opened numerous support tickets, contacted Coinbase employees on social media and XXXX, yet none of them resolved my issue or even acknowledged it. 

I have done many successful wire transfer withdrawals and ACH withdrawals with this same bank account on Coinbase, so it is not user error. The attached statement shows that I did successfully receive an ACH withdrawal from Coinbase on XX/XX/XXXX for a different transaction ( proving that they have my correct account ).
Yesterday I was called by the phone number XXXX XXXX XXXX stating that I needed to update my debit card information. As this was not the company I originally set up a payment plan with I started asking questions to which I got very little response. I was hung up on twice, and a XXXX XXXX started yelling when I asked for an email to contact them so I could have a paper trail saying that he did not have an email. He said that he was calling from a law office of Jonathon C Frank,  which the phone number online is XXXX and they do have an email. So I 'm not sure if this is even a real company. I had my boss talk to them as I was extremely confused and she also got very little information. I called the law office number from the website I found and left them a message letting them know to call me back so someone can confirm.
I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section XXXX ( c ). 
It constitutes your agreement to compensate me for this predetermined sum of {$10000.00} per document. 
Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ XXXX XXXX. XXXX ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 

Sincerely, XXXX XXXX
On XX/XX/XXXX, my Bank of America checking account was closed WITHOUT warning or prior notice. My account was frozen and I was told that I am not able to withdraw my funds from my account. 

I was told my my funds are being mailed to me and that it could take several weeks before I receive my money. 

I have apporximately $ XXXX in the account that is being closed. 

I have bills that are supposed to be paid out of that account in a few days, including my RENT! I am now most likely going to receive late fees for these charges and on top of that I have no money to pay for anything because the bank decided to abuptly close my account.
I had a loss of XXXX income in early 2015. My bank would not work with me to modify the loan in a way that I could understand. I missed a couple of payments throughout the year. I then had some room renters in the house but they were not paying while I had to pay to live somewhere else. I called my lender to notify them that I was putting the home up for sale and asked for a balance. They told be it was $ XXXX. The home is now under contract with me bringing in an estimated {$400.00} to close. The settlement agent ordered the payoff and it is $ XXXX. I do n't have the additional money to bring to closing and am in a position to be in a breach of contract. I contacted the lender to help and they are sending me a modification packet, which is not what I need. I need a speedy short sale process for an FHA loan so that I do not have a breach of contract with the buyer and realtors.
I have made 17 consecutive on time payments of {$4500.00} to Caliber Home Mortgage ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.
I placed a order on " XXXX '' on XX/XX/XXXX and I selected ; the option for " 3 easy pay '' installments. I never, knowingly consented for " XXXX '' to pull my credit report. I talked to " XXXX XXXX '' sales engineer yesterday, evening Tuesday, XX/XX/XXXX, when he asked for my social security number to run my credit report. I told XXXX, NOT to run my report and I will call him back today ( XX/XX/XXXX ) once I decide how I wanted to proceed with this order. I checked my credit today ( XX/XX/XXXX ) and my credit was pulled without my consent. I never gave " XXXX '' my social security number to even check my info. 


Credit Pulled From : XXXX XXXX. 
Phone : ( XXXX ) XXXX x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
On   XXXX   XXXX   XXXX     I went to  XXXX   XXXX   XXXX  in  XXXX , LA seeking to purchase a vehicle. I asked the sales rep to identify the lenders they use. He stated  XXXX   XXXX  and  XXXX . I explained to him that I am working on improving my credit score and I have accounts with   XXXX   XXXX   and I only want him to try to get financed through   XXXX   XXXX   or  XXXX  and if those  two  companies did n't approve the loan to not run my credit again. I repeated this several times before he went to the finance  manager. I w as told they could not get in touch with   XXXX   XXXX   and they would let me know once they received any information. The next day I received  7 a lerts for credit inquiries. I called Equifax to dispute this to no avail. I immediately called the sales rep and the finance  manager  because I specifically told the sales rep to only submit my report twice. The sales manager stated by law he was required to run my report as many times he needed in order to get approval. I told him he had no right to do so and I felt violated. Needless to say my credit score dropped tremendously.