WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX My checking account with Navy Federal Credit Union was negative {$89.00} and I had several transactions pending, which I knew would cause several overdraft fees if left as is. That day, I checked my account balance several times throughout the day to make sure the pending transactions were not yet released. So that evening around XXXX I believe I made a CASH deposit of {$90.00} via branch ATM and I was then at a positive balance of XXXX cents. I have the receipt to prove it. Next day I check my account and find they XXXX hit my account for {$60.00} in overdrafts, with additional overdrafts to come due to the negative balance now. Cash deposits are instantly credited, and I had the money in before the pending transactions cleared. The bank simply blew me off, stating the transactions had already processed but I dispute this and my receipt is proof. And the fact it was a Monday, I know nothing happened over the weekend. I also made a deposit with a negative balance and have that receipt as well to prove what it looks like to deposit to an already overdrawn account, as they tried to say it was the first time around. I spoke to the branch XXXX I think her name was XXXX XXXX. And she could n't explain why my receipt shows a positive balance before and after cash deposit, when their argument was the overdrafts were already assessed.
WHEN IS MY PAY-OFF DATE ON MY LOAN? WHY IS MY DEBT GOING-UP INSTEAD OF GOING-DOWN. I HAVE NEVER MISS A PAYMENT, NOR RECEIVED A PASS-DUE NOTICE. EXACTLY, WHAT IS GOING-ON?
My accounts are repeated and should not create the appearance that I have XXXX XXXX credit cards & XXXX XXXX XXXX XXXX XXXX are same company I had XXXX accounts and paid in full, closed them out, they should be considered Charge Off, Paid in Full, Satisfactorily, finally, XXXX XXXX no longer has my permission as I have not reapplied for credit, can they give themselves permission to continually do inquiries. I have an claims refund from XXXX Federal Trade Commission winning back my payment refund back, from XXXX XXXX XXXX XXXX, with many aka or XXXX, which has a negative remark on my credit report, now I have proof that they were conducting collections from me, fraudulently.
I received an email from Marriott on XX/XX/XXXX with an offer to spend {$50.00} at XXXX on my Marriott credit card and get a {$20.00} statement credit. I registered for the offer, then bought a {$50.00} XXXX XXXX gift card ( XXXX XXXX is a XXXX brand ). 
I sent a message to Chase ( the provider of the Marriott credit card ) on XX/XX/XXXX as I had n't received the statement credit. They advised I 'd have to wait 6-8 weeks for the statement credit. 
I still had n't received the statement credit after 8 weeks, so I messaged them on XX/XX/XXXX requesting the credit. Their first response was that I had to wait 6-8 weeks, so I responded that I had waited that long. Their next reply was that I would n't be receiving the statement credit because gift cards were excluded. 
I 'd carefully checked the terms and conditions of the offer before buying the {$50.00} gift card and there was no mention that gift cards were excluded, so I responded to Chase to advise them of this. They replied that there was an exclusion, I replied that there was n't, and so on for several messages. 
I 'll be attaching several documents as proof. The first is the email Marriott sent me which does n't mention a gift card exclusion ( Marriott email ). The second is a cached copy of the registration page for the offer which does n't mention an exclusion for gift cards ( Marriott XXXX Terms - 1 ) .The third is a copy of the terms and conditions for the offer which do n't mention an exclusion for gift cards ( Marriott XXXX Terms - 2 ). 
I 've also attached copies of my correspondence with Chase. As you 'll see, the bullet-point terms they list in their replies match the terms on the registration page and make no reference to gift cards being excluded. 
As there is clearly no exclusion for gift cards that customers were advised of, they should n't be adding these arbitrary exclusions when every single condition of the offer has been satisfied.
While serving in the XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX I had to obtain federal student loans to pay for college due to the VA not honoring my XXXX XXXX I joined the XXXX XXXX XXXX in XX/XX/XXXX and served until being injured in XX/XX/XXXX In XX/XX/XXXX I joined the XXXX XXXX and served until XX/XX/XXXX. When changing from the XXXX XXXX to XXXX the VA was not Honoring my XXXX  XXXX. So every year I would have to file a deferment until I could get the VA issue resolved. Apparently while I was on XXXX XXXX the loan had defaulted and I was never contacted to do another deferment. Around XX/XX/XXXX I was notified by my employer of student loan garnishments. When I contacted Navient to dispute as I was a Military member, they refused to work with me. The original student loan was around {$26000.00}, when they defaulted it doubled to over 46,000. They never contacted me to setup payments instead they sent loan to a 3rd party XXXX XXXX to collect funds.
It has been a nightmare to work with the 3rd party as they would bait and switch  programs on me. Also after more than 4 years of making the payment of well over {$500.00} a month to 3rd party, found that they have not paid one dollar to the Loan Holder Navient.
When I contacted Navient asking about the money allready paid well over 26,000 they say that its not up to them to collect from 3rd party until full amount is collected and to correct the negative reporting on my credit report. As of today when I called them asking for them to pul back the loan, I am told to prove to them I ever served in the military. They have refused to work with me in anyway and constantly reflect my issues and concerns.
I called Home Depot to close my credit card. They did. They said they would remove a late fee, but never did. Around the same time, their late fee was also increased from {$29.00} to {$38.00}. I paid the balance on my card, but left the last payment short, per instruction from the agent who helped me close the account. I traveled for the past three months and return to find an additional {$120.00} in late fees and interest. Now I am back, and they call me 3-4 times a day to collect the accumulated late fees. At this point, they know that I will never shop there or use their card ever again, so they are just trying to milk as many late fees as possible. They using harassing methods to try and collect these fees. I refuse to pay Home Depot Credit Services, or to shop at Home Depot. It is strictly XXXX or XXXX  for me!
My homeowner 's insurance was cancelled by XXXX two months after my home closed. They sent me a refund check. My insurance agent found another company, XXXX XXXX, and had them send the bill to my mortgage company Pacific Union Financial. I deposited the money into my escrow account on XX/XX/XXXX and contacted Pacific Union 's mortgage department and insurance department to make them aware of the change.
On XX/XX/XXXX a noticed was mailed to by XXXX XXXX saying the my homeowners insurance was being cancelled for non-payment on XX/XX/XXXX. I contacted Pacific Union onXX/XX/XXXX and they said a check had been mailed out but to the wrong insurance company. They gave me a tracking number and said a new check would be mailed to the correct company.
I checked the tracking number onXX/XX/XXXX and it showed that the label had been created but nothing was ever shipped. I called Pacific Union and they told me they could n't give me any information about the check being cut because the person I spoke to was out for the day. They told me they would look into it and call me back.
I did n't receive a call back so I called again on XX/XX/XXXX and was told that they had no resolution and that they would need to check with their accounting department to see if a check was ever cut and that it would take 24-48 hours to determine if it had been and that they would call me back.
I did n't receive a call back again so I called today,XX/XX/XXXX and was told a check was mailed to the correct insurance company and was given a tracking number. I checked the tracking number myself and show it was delivered. I asked why no one called me back despite being told numerous times they would follow up with me, and was told they were too busy.
At this point, I 'm waiting for my insurance agent to confirm the insurance company received the payment.
This is more of a complaint than asking for a resolution, but I wanted it to be known that Pacific Union sent my escrow money to the wrong carrier, did n't tell me and then it took multiple phone calls to get the check despite the fact my insurance is getting cancelled in 4 days.
I did everything I was supposed to do according to my insurance agent and Pacific Union 's mortgage and insurance departments yet was told they were too busy to follow up on their part.
Irecieved a letter from Capital one, lord and Taylor credit card canceling my credit card,  XXXX  reason given was that Iutilized the services of an attorney for the handling of my account,,, FROM THE COLLECTIONDS DEPT???? i have the letter in my possession and can sed you a copy..i hired an attoney because I believe i had been treated unfairly by the card because they had put damaging information on my credit report which lowered m y credit score  ... they stopped sendind me paper statements and only did online staements without y permission and did not notify me that any payment was due,,,, I had had this card with Lord and Taylor for 40 years and never had any issues until the card was taken over by  Capital one  ... .and was trying to resolve the issues, ,I was shocked that capital one could do this because an attorney was trying to mediate for me as was getting no where trying to deal with the card myself, ,Idon`t think this is a valid reason for canceling a card,,, by the way the crdit card is paid in full,,, thank you for your help
Without proper notification a bill was added to my credit file by XXXX XXXX XXXX in the amount of {$130.00}. This bill has been back dated to appear as if it has been on my credit report since 2014 when it has not I check my credit on a daily basis. I have never done business with this company, I have never received a bill from this company yet they were able to add a bill from 2014 to my credit file willfully violating its obligations under the FCRA. This item must be deleted immediately or I can pursue damages.
this loan was discharged in my chapter XXXX bankruptcy as of XXXX 2015 XXXX and XXXX XXXX refuse to delete the misinformation or report it as discharged!
I tried rectifying the issue with Avant, but to avail. I asked Avent to put a payment at the end of the loan and was promised it would be done. It did not. There were no notes and they said they had an audio that never herd me ask to place the payment at the end. I do not trust them because the same issue almost happened to me again. I made arrangements XX/XX/XXXX and the XXXX to have payments taken out of my account. I was told no arrangement were listed they also tried to say nopayment was taken out of my account XX/XX/XXXX when in fact a payment was taken out but the XXXX payment was listed. I do not trust this company and they need to be on buyers beware list
My name is XXXX XXXX purchased a home back in 2007, with national city mortgage, ( now PNC ) since then i have had some hardship, i have appy for assistances for last two years, no help.I wrote a letter asking who own my mortgage.They never responsed to my letter.I need some help because my mortgage is about to go up.I really do not want to lose my home. Thanks
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). A new application was submitted as we were advised by the lender as long as the updated information was received 15 days prior to the sale date - We were advised today they are denying the review due the information not being received 37 days prior to sale in accordance with CFPB - this is not a requirement of the CFPB it is a stated requirement of the lender and not stated in any regulation.
Summons dated on XX/XX/2018 appeared at residence around XX/XX/2018 to appear in court on XX/XX/2018. Says I owed {$800.00}. Paperwork attached said amount actually owed is {$760.00}.
i did not choose the best option. citibank card ending XXXX been a customer for years. on or about XX/XX/XXXX tried making a payment the automated delayed me and heard what i did not say i complained about it on or about XX/XX/XXXX was told i would get a XXXX dollar credit when i called to check i was told no you were given it in XXXX. well then i should not have been promised it but once i was i should be given it and i have not been. as such i am not using my cards any citi anymore til resolved. Futher, i ordered a NEw card replacement on or about XX/XX/XXXX SPECIFICALLY told to mail regular not fast since i was away XX/XX/XXXX to XX/XX/XXXX well they mailed it anyway and charged me and it sat outside my house for a week. i specifically said not to do this and they charged me for it to boot which is illegal esp since specifically not authorized. Credit me XXXX   for my trouble or i go further. period. XXXX for the promise i never got XXXX for a charge i did not ask for is not authorized specifically the opposite and anything you would want for your troubles like me. til then no use at all on any card tired of haaving me time wasted speking to people who cant speak english and being XXXX
{$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has not been successful.
I have been working with my lender for a loan modification since early XX/XX/2016. I have submitted all documents requested and in the middle I was transitioning between a new job. I have sent in explanation of my new job which started on XX/XX/2016. To date I have only been paid one pay stub which was faxed over to the lender on XX/XX/2016. I am not withholding any additional pay stubs as I have only received the one pay stub provided. I am now being informed 3 days before the foreclosure sale of my home that I my application has been closed out for review because I am missing pay stubs for the month of XXXX, I have sent in an explanation that I had no pay stubs for XXXX as that was the beginning transition of my new job. They are now unwilling to postpone the sale stating there is not enough time, there would be enough time if they would postpone the sale and allowing me to send another pay stub from my next paycheck and keep the review open.
This is a credit card debt from XXXX from 10 years ago or longer. Portfolio Recovery Associates is somehow renewing the timeline to an earlier date from XX/XX/2012.
I had a satisfactory account with  XXXX   XXXX  for over  three years. There w as a total loss to the vehicle and a balance was due that I was n't aware of. I subsequently qualified for a second loan with the institution 5 months prior and was never contacted about the first being in rears. The following year I discovered it in derogatory status on my credit report and immediately paid it in full. Representatives of the institution refuse to update my credit report accurately.
There is a collation on my XXXX and XXXX report that does not belong to me I 'm a victim of identity theft
Collection agencies ( XXXX XXXX and XXXX ) have added a collection to all three credit bureaus and I do not owe the original creditor who is XXXX XXXX. My insurance paid the balance many years ago and now I have had two separate collection agencies trying to collect a balance of {$940.00} that they claim I owe. I do not owe this amount and I have the proof. I requested proof from both collection agencies and this is what I received from both of them. Equifax, XXXX and XXXX only reduce the debt owed to a XXXX balance but leave the collection on my credit. I want it completely removed. I do not want the next collection agency who receives this to be able to add it as a valid debt. I owe a XXXX balance and their own evidence proves it.
On XX/XX/2018 Paypal issued an unauthorized hard inquiry on my credit report. I contacted my credit bureau ( XXXX ) and they told me to call Paypal and I did. Paypal sent me told me to fax documents to them and then refused to ever get back with me. I think it is insane how the government allows citizens of this country to be bossed around my big companies and do nothing about it. I am asking that you something because no one else is doing anything.
Chase credit cards offers various payment options for its credit cards. A cardholder can pay via the US mail using a check, via phone, or on the chase.com site. 

This complaint concerns online payment options and specifically, recurring " Automatic Payments ''.

When a cardholder makes a ONE-TIME payment via chase.com, the options include : a. Pay off your entire statement balance ; b. pay the minimum payment due, or c. pay a different amount which the cardholder then specifies.

However when a cardholder opts for the convenient " AUTOMATIC PAYMENT '' which effectively is a recurring payment, in which Chase drafts the cardholder 's checking account every month on a specified date, the choices are limited to two : a. pay off your entire statement balance ; b. pay the minimum payment due.

Automatic Payments are great for the cardholder who is forgetful or who has an existing balance that he or she wishes to pay down, in a disciplined fashion, in a given period of time. Not infrequently using an automatic, recurring payment, is in association with a balance transfer which the cardholder wishes to pay off fully before the end of the promotional rate period.

Chase is fully aware of this issue and its customer service staff default to, " if you wish to pay a different amount, you can always do a one-time payment. '' I am certain there is nothing illegal with what Chase is doing since they offer alternatives. However I am also certain that the drivers of the lack of a, " pay a different amount '' option on Chase.com 's Automatic Payment is to drive $ XXXX late fees ( to earn something during promotional periods ) and to make it difficult for cardholders to automatically pay off balances during promotional periods, ensuring a balance rollover at the astronomical 29.99 % APR.

Chase has a Slate credit card product which offers some of the longest Balance Transfer promotional periods in the business ( 15 at 0 % APR ) with no balance transfer fee. They know full well how to make money on this product.

I feel they should have to answer to consumers on this matter.

Thanks you, XXXX XXXX
I DONT HAVE AN ACCOUNT NUMBER FOR THIS DISPUTE BECAUSE OF THE ARROGANCE AND CORRUPTION OF XXXX XXXX XXXX XXXX XXXX NEVER SAW ME AND THEY NEVER NOTIFIED ME OF BILLING AND HAD THE NERVE TO REPORT THIS TO A XXXX CREDIT COLLECTOR WITHOUT MT KNOWLEDGE OF EVEN A BILL LET ALONE A COLLECTION. I checked into XXXX XXXX Hospital ( XXXX, Georgia- XXXX County - corrupt Government Hospital minoritys preferred - XXXX XXXX over XXXX & this Hospital Administration is corrupt ) Emergency room and the wait was hours so I left. I never saw a nurse nor hospital employee to take vitals - nothing. These people ( this Government funded Hospital ) billed me without my knowledge ... never a mail notification sent to my home address, not a phone call - nothing. Then these nefarious Hospital administrators reported this to a credit reporting Agency without my knowledge. This is unacceptable and who do these wanton unlawful non-law abiding XXXX XXXX Hospital Arrogant Administrators think they are ... I mean  really??!!?? No notification to me personally at all? THIS IS CRIMINAL AND I WANT TO FILE A LEGAL DISPUTE FOR HARDSHIP AND DAMAGES. This is not the 1st time this has happened. Years ago I beat up by a thug and rushed to XXXX Hospital in a ambulance and was in traction. I have them my insurance via my employer XXXX XXXX XXXX in 2009 and these XXXX XXXX Hospital Government Administrators under the Obama Administration did the same thing.. this time for {$9800.00} - reporting to a credit agency unlawfully as I had medical insurance and was covered and they did not notify me of billing, any balances, nothing! These nefarious employees filed a credit collections against me and requested the Trump Administration to drain this XXXX XXXX Hospital swamp! Take this off my report please by informing them of this dispute with you and want to sue them legally if not resolved immediately!
I contacted XXXX XXXX the party filing false information on my credit report, and they refused to remove the false information ; I contacted Equifax, and XXXX with a complaint, and they refuse to remove this from my credit report ; I had a XXXX XXXX   from XXXX XXXX I never used, and a XXXX Card I used, and all payments were made on time, they reported a late payment which I was never notified I owed anything to them, they reported both cards, two seperate accounts under the same complaint ; they reported that I never made the first payment, but it clearly shows on the report two payments prior were made on time, customer offered me {$50.00} late fee credit, and no fees until XXXX as their solution, I stated I wanted the accounts closed, as they are paid in full, and wanted this false information removed from my credit report, XXXX XXXX refused, the credit reporting agency are holding this on my report.
I got my credit report XXXX months ago for the first time in XXXX yrs, I saw a lot of incorret accounts that was not my account, I contacted the creditors XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I told them the accounts on my credit report is not my accounts at all, XXXX days later the all sent me letters & called me & told me this accounts was unverifable & inaccouate & it was somebody elses accounts in the letters sent to me the accounts to be deleted from my credit report because this accounts is not mine, EQUIFAX REFUSES to Delete This inaccurate & unverifable accounts that states in the letter.
On XX/XX/XXXX I contact one of my credit card ( XXXX/XXXX  XXXX ) to request a credit line increase. I was informed there was a freeze on my equifax account. As I had previously created a on-line account I attempted to log into my online account. System alerted me to change password which I did and received a confirmation it was changed. Their site still denied my access so I called customer support on XX/XX/XXXX. I was informed their system was " down '' and to try again. I tried and still could not access my account. On XX/XX/XXXX I attempted to log in/change password and received message to call customer service. I called and spoke to a " XXXX '' who informed me my account wasn't completely set up/was placed on hold then sent a email to which was suppose to have a temp. password to reset my last used password. No temporary code was sent/verification of last 4 of my Social Security and date of birth was asked/answer and received a confirmation that the password was successfully changed. I attempted to log in and received the same error message, call customer service which I did. I spoke to the same " XXXX '' who alerted me there were " technical issues '' with my account and to wait 5 - 7 days and try again. I feel I am getting the run-around with equifax.