WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, while shopping on-line, I was offered {$35.00} credit on a printer that I was considering purchasing from Walmart. I could receive this credit if I agreed to apply for a Synchrony Bank credit card. I filled in the on-line application form thinking there would be an immediate approval and then be presented with a method to make the purchase. That didn't happen so I waited for a response from Synchrony or Walmart. After a few days, Synchrony called me to complete the application. When I asked about the {$35.00} credit I was assured it would appear on my Synchrony Card. On XX/XX/XXXX I  received the card, activated it and went online and purchased the printer from Walmart. I Checked my account and discovered that I had not received a credit. Consequently, I called Synchrony Bank and told them I didnt have the {$35.00} credit on my account. My inquiry was forwarded for resolution. On XX/XX/XXXX I received a form letter stating that my claim was denied for one of the following reasons : 1. The transaction amount does not meet promotional requirements.

2. The transaction amount did not occur during the promotional period.

3. The type of merchandise purchased was not included in promotional offering. 

I called Synchrony Bank for an explanation and was told that my claim had been denied because I had three days to make my purchase after the approval of the card. I responded that I had no Idea that there was a three-day limit and that I wasnt apprised of the three-day limit when I placed my application for the card. Furthermore, it took longer than three days for the card to arrive in the mail after approval. I was then told that I had been contacted and given a password that would allow me to make a purchase without the credit card. NO SUCH CONTACT WAS EVER MADE. My claim was then forwarded for further determination. I was advised that it would take one to two weeks for a determination. Today,  XX/XX/XXXX, I received the same form letter that I had initially received denying my claim. 

I applied for the card in good faith expecting to receive a {$35.00} credit on my purchase but Synchrony has decided to stipulate additional terms to our agreement after the fact and without my consent or knowledge. I am sure that this has happened to others in my situation and Synchrony Bank should be held accountable to me and others whove had the misfortune of doing business with this company.
This is XXXX of XXXX debts reported on my credit report, This complaint is directed to Capital One Bank NA ( as shown on my credit report ) listed under a court docket, it is stated " satisfied ''. 

However, this judgment was not mine. I had contacted the courthouse in regards to this and tried to get it removed but was told only the creditor could remove it since they were the ones reporting the information. 

I do not understand how this is possible since I would think that a social security number would need to match the associated name with the account as well as the court docket. I had tried my best to dispute this claim and actually made several attempts to get this removed with the credit bureaus and nothing was done. 

I spent a good work week worth of hours trying to get this resolved, but there is only so much i can do since I am working XXXX hours a week. I was not contacted at all by the creditor. I was not contacted to confirm any information reported. No letter of notice was sent out and was not given any opportunity to resolve the issue.
XXXX XXXX AUTO LOAN XXXX DAILING THIS ACCOUNT TO ALL CREDIT BUREAUS, ESPECIALLY XXXX.
I hired an attorney to address the Deed Inlue of foreclosure ( DIL ) and Ocwens appointed DIL attorney matters. At the request of either Ocwen ( receiving mailed DIL data packages ), or at the request of the Ocwen attorney, I have been submitting the same DIL data package ( same type of information ) to both parties since XXXX. A total of six ( 6 ) DIL data packages to date have been submitted. I have yet to receive a final filing of the ( notarized ) DIL document filed with the residential court of record. 
In addition, since the matter is still in litigation, Ocwen ( terms in wring from their attorney ) reversed its position of not reporting this matter to the credit bureaus and has since reported negative information to the credit bureaus. I have reached out again to an attorney ( bill still piling up for services rendered ) to address this ( negative ) reporting matter, of which is an unfair tactic/practice by Ocwen. 
In closing, had I not been able to qualify for the DIL ( letters received from Ocwen ) Ocwen has demonstrated some egregious practices. Ocwen nor their attorney should be allowed under any circumstance to consistently mis-handle a home owners ( qualified ) DIL data package.
I worked for XXXX XXXX XXXX XXXX from XXXX. XXXX was created after I left thecompany. I was never billed for such service. The collection company is awareand broke the law and reported on my equifax file without sending me a 30 days notice. 
I have disputed with Equifax XXXX times online .Equifax has never verify this account. 
I never had such bill. I would like Equifax to verfiy. Equifax is reporting it as unkown billfor unknow service.
I called XXXX XXXX in response to their constant emails to lower my interest amount ( 110 % APR ) The lady i spoke to asked if i was a military spouse - I responded yes. The customer service rep then tells me that she is unable to re-do my loan as i shouldn't have one under the law anyhow, and that it is a good thing, she recommended i speak to their customer service team. I called back and they tried to sell me a new loan at 80 % APR for another 80 months! 
I am a military spouse that just wants to know what is what here.
was unable to start repayment on my student loans and navient informed me I was ineligible for deferment due to the fact i made more then the maximum eligible salary. They then stated the maximum salary you can make and be eligible as a full-time employee. The amount was substantially lower then minimum wage as is legally impossible to make that low of a income. They then forced me into a forbearance causing my loans to continue accruing interest.
Navient has made it nearly impossible for me to pay off my final debt. I have now attempted 3 times in the last month to submit a " final '' payment ( ie. the complete sum of what's left to be owed ), every time I get a message " payment reversal. '' The most recent transaction took 7 before message " payment reversal '' populated. I have called Navient customer service about the issue, and - as reported by other upset customers on this site - they claimed that my band account number was incorrect. This claim is false as each time I have deleted and reentered the bank information, on top of this, I have successfully been able to draw from this bank account with others sites and services other than Navient. I have also called my bank to be sure the issue was not on their end, they reported that my bank account number was in fact correct and fully functional ; the issue must be on Navient 's side. As time passes and Navient does nothing about this issue, interest continues to accrue! What's more, I receive NO notification from Navient when payment is reversed, so I am unaware if/when this issue happens. Navient has made it impossible for me to make any further payments towards my loans.
Bank of America put a hold on a check that I deposit every month. It is a county check. I contacted the bank that the check was drawn on and they said the funds had already been given to Bank of America. Bank of America says they havent and they still will not release the funds.
I have two houses House-A and House-B. I lived in A until XX/XX/XXXX and moved to B. Now, house B is my current primary residence and will stay here for long period. 

We bought this house ( B ) in XX/XX/XXXX when my children were born ( XXXX ) and we lived here until XX/XX/XXXX, they grown here until they become XXXX XXXX XXXX. In XX/XX/XXXX when we moved back to this house we felt like we are back to our true home. Also, one important thing to note is my kids go to the school right in front of the house B. 

I told the lender that I will be subdividing the property A as the market went up and it is good time to make some money by selling these lots. 

I applied cash-out refinance in XX/XX/XXXX under primary residence category. The lender " quicken loans '' accepted the loan application under primary residence plan and verified that I am actually living in B. But at the final stages the lender backed off and he converted the loan as investment property loan. This changed the whole equation. I had to bring in additional money and had to pay for an appraisal, had to pay more APR and had to shrink LTV to 75 %. This is a violation of Equal Credit Opportunity Act ( ECOA - XXXX XXXX XXXX ). Due to this change, the whole process delayed as well.
During the XX/XX/2015, we decided to look for a better mortgage loan than our current one. It was an FHA loan with a modification and a first lien of {$150000.00}. After searching and reading we decided on Flagstar Bank. Our monthly payment was {$2300.00}. Two months after we had signed escrow papers and started monthly payments we received notice that escrow had made a mistake. They had included only the first six months of our property taxes. Our monthly payments were going up {$500.00} each month for the life of the loan. I asked if they had any suggestions or could help us and I was told I could sell the house. I was upset that we had paid {$7000.00} in escrow fees just to gain a monthly payment similar to the previous loan. 
I started to look into alternatives such as : " Keep in California '', the State Controller 's Office, XXXX, the XXXX, and HUD counseling. We were told we had too much money ; we were told we needed to go in with another person so we would have enough money ; and they did not like that we had used XXXX services. We did not have any money removed from the accounts, but a few accounts lowered the interest rate. 
At the same time we tried to work with Flagstar. We were assigned a Flagstar representative to help us, but she never called or e-mailed us. I finally asked Flagstaff if they could extend the new payments. They did so for one year. Later, I found out that they could have extended the payments for up to five years. At the same time they sent us a streamlined refinance, but it still had a large monthly loan payment. I currently am waiting for another loan, but have not heard anything about it. 
We also were given a compaints officer from FHA who sent two e-mails and a call saying that she was waiting for Flagstar to finish looking over the escrow papers. So far, this has taken almost three weeks. FHA referred me to our complaints officer 's supervisor who never did call us.
Hi, I do not remember for applying Credit from following 1st and 2nd company.

I request you to pls remove off from my credit report. 
1 ) Wf Crd Svc : Inquiry Date : XX/XX/XXXX National Credit card Cos. 

2 ) XXXX XXXX Inquiry Date : XX/XX/XXXX & XX/XX/XXXX National Credit card Cos.

and I have closed everything form XXXX XXXX XXXX. I have nothing with XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XX/XX/XXXX Telephone Companies
I am working with an account manager, XXXX XXXX, with Fay servicing, and I have been unable to get the proper information about my modification request. The first time I applied, I was told the time had lapsed and I needed to reapply. The next time, I was told I was denied, but this was a verbal conversation, I asked XXXX XXXX if I was going to receive a letter, I was told yes. I never received any communication about the denial in writing until XX/XX/XXXX, which was approximately three weeks since that verbal conversation with XXXX XXXX. I also informed XXXX XXXX that my status had change in terms of income, and he told me they could add it later, nonetheless I was denied without requesting that I provide the additional income. However, I was sent another letter informing me to reapply for the third time for a loan mitigation assistance, which was dated XX/XX/XXXX, but postmarkedXX/XX/XXXX and I received it on XX/XX/XXXX. Attached are copies of the letters, thus the representative is extremely impotent towards me.
For that reason, I decided to work with a Hud counselor, XXXX XXXX, at Incharge Debt Solutions. On XX/XX/XXXX at XXXX, she contacted the lender on my behalf to get a clearer understanding about my loan. I was also on the call. The representative was again rude. XXXX XXXX had to tell XXXX XXXX that he was getting emotional about the questions. XXXX XXXX questioned why I was not told about the appeals process, and XXXX XXXX stated that he had never heard of the appeals process being successful. XXXX XXXX continued to interrupt him and correct him. I do not believe Fay Servicing is handling my loan appropriately. I am continuously told to reapply, and I am never receiving any written communication informing me of the status or my options except for the letter dated on XX/XX/XXXX that I received on the XX/XX/XXXX, which emphasized that we are eligible for a Fay Servicing Short Sale.
Continue to get harassing calls constantly which has escalated to now indicating a lawsuit has been filed against us and our home. Written notice was sent to cease and desist but call continue. 

Now my minor children ages XXXX and XXXX are receiving calls on their cell phones with the same message indicating a lawsuit has been filed against us. 

No verification of debt notice has been sent to provide opportunity to dispute any and all charges.
I was the victim of identity theft from XX/XX/XXXX-XX/XX/XXXX. As a part of the identity theft, private student loans were obtained. The company representing the loans is XXXX XXXX XXXX XXXX XXXX. The private student loans were opened up in XX/XX/XXXX. I was made aware of the fraud in XX/XX/XXXXand filed a police report with the XXXX XXXX XXXX XXXX in XXXX, Georgia. I signed all the appropriate affidavits..some multiple times. I received a call in XX/XX/XXXX from XXXX and told the gentleman my story, he admitted some notes were there noted fraud and he would open a dispute. The next time I heard from them was XX/XX/XXXX, when the Sheriff came to my door with papers for a Judgement Claim from XXXX! First off, the loans are FRAUD, and they know it! Secondly, if they were mine it is past the Ga Statue of Limitations to file such a suit. I hope you can help me because this is making me physically stressed and Im currently a high-risk XXXX. Thank you.
XX/XX/18 Received a call from XXXXand the gentlemen state that he was VA Benefit and wondered if I had 3 minutes to give him. I was like I am sorry who are you with. he again responded with VA Benefits. I then asked him if he was with VA Office directly and he responded by saying that he was now with the VA Benefits Depart of sign on the Line out of XXXX County.  This company was trying to imply or initial represent that they were with the VA. But because I asked the right questions and made him slow down and readvise me who he was with and who they were where. I was able to get him to admit 1 ) no there were not with the VA Benefits as he initially stated 2 ) phone number is out of XXXX XXXX CA ( XXXX XXXX County and he stated that they were out of XXXX County California which goes with what I was able to find online when I XXXX their name but their phone number is different than what showed up on my caller ID. 3 ) I am on a do not call list through the FCC and they never checked that list 4 ) the simple fact that they are call disabled Veterans and using a play on words should to show misrepresentation of who they are and that they are not with the VA Administrations office at all
Summary : I did not receive the bonus points that came with a promotional offer Citi was offering even after they have confirmed it via live chat and secured message. 

Events : Opened a Citigold Checking account during XXXX 2016. There was a promotion of getting XXXX XXXX XXXX Aadvantage miles for opening said account and completing certain requirements. The requirements were : 1. Use the bill pay function in two consecutive months 2. Make {$1000.00} in debit card purchases with the Citi debit card. 

Confirmed with Citi representatives via Live Chat and Secured Message on XXXX/XXXX/16 that I have completed all the requirements and was eligible for the bonus points during XX/XX/XXXX and had to wait 90 days ( starting from the following month ) for the points to be posted onto my XXXX XXXX account. I should have received the bonus points by XXXX/XXXX/16. 

There is a $ 30 monthly fee for keeping the account open. I kept the account open solely for waiting for my XXXX XXXX miles to post but they did not show up long after the 90 day mark. Contacted Citi soon after to ask when I will get the points and they said that I was not eligible for the bonus points. They did not even send me a notice saying when or how I was disqualified while I just kept waiting and paying the $ XXXX monthly fees for a total of {$90.00} to date. 

This is very misleading of Citi to first confirm then to disqualify after having paid monthly fees to keep my account open.
XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XX/XX/XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, XXXX copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
Sincerely, XX/XX/XXXX
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.
I have a jount account at Bank of America with my husband where we were victims of fraud, his ATM card was compromised and numerous ATM withdrawals were made in another state and phony checks deposited. This fraud was reported to BOA. They did n't resolve the issues within the joint account and as a result thereof, froze my indiviudal account to " recoup '' the negative balance on the joint account. They put a {$880000.00} debit on my indiviudal account and will not allow me to access my {$3400.00} in my individual account and said the account is closed permanently. They bounced over {$1000.00} in checks when I had the money available. No one will give me a straight answer at Bank of America and basically stole money from me to cover fraud that was committed against me and my husband.
I qualified for a HARP refinance and used it in XXXX - without being made aware that it was this was a one time deal. I was trying to get relief from the problem created in XXXX when it was issued at origination as an XXXX split. The reason I wanted refinance was to both get a lower rate and combine the XXXX loans but, my lender did not combine the loans and made me feel like it was to only chance I had to refinance. The second mortgage ( with a different lender ) is an interest-only loan with very poor terms that has a balloon payment coming due in 5 years and I am deeply concerned that I will not be able to cover that payment. I have tried to work with this lender to restructure to pay more principal but because I have been making payments, my negotiations have been in vain. Now my credit score is dismal form trying to make ends meet after experiencing a 50 % reduction in pay since XXXX.
In  XX/XX/XXXX , someone forged and was able to cash out a check worth {$800.00} from my checking account, I filed a police report and filled out an affadavit. Fast forward to the next  summer o f   XX/XX/XXXX  I sti ll had n't had my situation rectified, so I visited   XXXX   XXXX   XXXX   Citibank and the branch manager   XXXX   could not tell me why my funds were erroneously cashed to a forged check, he was very hostile and rude and kicked me out of the branch. A few months later I received an {$800.00} refund from Citibank for which I was extremely happy about. Then in   XX/XX/XXXX  a r equest was made from   XXXX   XXXX   branch to have my account closed with no warning or reason. I called them to find out and the same man   XXXX   from   XXXX   XXXX   XXXX   is now branch manager of   XXXX   XXXX   Citibank, and I have never even been to that branch in person, which leads me to believe he ille gally closed my checking account as some sort of personal vendetta ag ainst myself since I had prevailed in the forgery check case from the year prior, which I can not even begin to understand how this man is allowed employment and be able to have such an abuse of power made available to him. I did nothing wrong and have never mistreated anyone at Citibank despite the massive frustrations they have caused me over the years, but this crosses the line and would like to pursue any and available legal recourse against Citibank and   XXXX   XXXX   branch manager  XXXX .
I received a letter from Stonleigh Recovery and Associates, located in XXXX. The debt is from XX/XX/XXXX, and the company stated that they are trying to collect a debt for XXXX XXXX , XXXX, located in XXXX. The statue of limitations for debt collections is 6 years, and it is now XX/XX/XXXX. Also, debt collections must be in the same county the debt occurred. In my case, it 's XXXX XXXX, XXXX. When I talked to a man at the company, XXXX XXXX, I tried to explain this to him. The letter I received threatened to garnish my wages if I did n't respond back in 30 days. However, when I called, XXXX told me that they do n't have anything to do with a judgement because they are not an attorney 's office. When I explained he can not collect anything without a judgement, he started raising his voice and stated that a judgement has nothing to do with debt collections. He stated that I ran up a bill, and I did n't pay it, so they will start garnishing my wages if I do not agree to pay. When I stated that this was not legal, he responded by saying " well, this conversation is going nowhere, so I 'm hanging up now, '' and hung up in my face! To make matters worse, this debt is not even mine. I 've informed all the credit reporting bureaus, and have asked Stoneleigh Recovery for a fraud packet XXXX, and still have not received anything in the mail, except for another notice about garnishing my wages. There was no judgement ; just a typed letter. Whenever I try to call, the associates always transfer me to XXXX XXXX, who is engaging in rude and illegal behavior. I feel like they 're trying to intimidate me ; it is unlawful for a consumer to ask for a fraud packet, and not hear anything back! I feel like the company is biding their time trying to pass a judgement, and they wo n't even verify the debt!