WillisBack/dataset-financial-user-claim huggingface dataset:
Issue # 1 : In XX/XX/XXXX my father sent a {$1000.00} check to the Department of Education XXXX XXXX XXXX to pay off {$1000.00} in principal on my student loans. I was still in school at the time, so no payments were actually due on the loans yet, this was just a payment to pay down some of the principal. My father 's check was dated XX/XX/XXXX and it was cashed by XXXX XXXX ( PHEAA ) on XX/XX/XXXX. However when I look at my loan information online, I don't see this payment deducted. 

I wrote a letter to XXXX XXXX on XX/XX/XXXX and sent it via Certified USPS mail asking them to let me know what happened to this payment. My letter was delivered to XXXX XXXX on XX/XX/XXXX, but I have not received any response yet after more than a month and a half. 

I have attached below the following documents that were already sent to XXXX XXXX : - My letter dated XX/XX/XXXX - Screenshot of {$1000.00} check being cashed on XX/XX/XXXX - Carbon Copy of my father 's {$1000.00} check dated XX/XX/XXXX I have attached these additional documents as proof that I have attempted to resolve this previously : - Post office receipt for Certified mail sent to XXXX XXXX on XX/XX/XXXX - Confirmation of delivery on XX/XX/XXXX for the same Certified letter Issue # 2 : I made a another Principal only payment by check in the amount of {$1700.00} accompanied by a letter dated XX/XX/XXXX with specific instructions about how and where the money should be applied. This check was cashed by XXXX XXXX ( PHEAA ) on XX/XX/XXXX, but they applied most of this payment to interest instead of principal and they applied it to ALL of the loans instead of the two loans I specified. They have also advanced the due date on my payments to a date in the future - which I did not ask to have done and do not want. 

I wrote the PHEAA Office of Consumer Advocacy a Certified USPS letter about this problem on XX/XX/XXXX asking them to fix it, but have heard nothing back yet after more than a month has passed since they received my letter. They received my Certified letter on XX/XX/XXXX. 

I have attached the following documents : - Certified Letter dated XX/XX/XXXX sent with check for the {$1700.00} principal payment. 
- Certified letter to PHEAA Consumer Advocate dated XX/XX/XXXX identifying the problem and asking that it be corrected. 
- Screenshot of my online loan account showing this payment was applied mostly to Interest instead of being applied to Principal only. Also shows being applied to ALL loans instead of the two I designated. 
- Monthly bill dated XX/XX/XXXX showing the 2 loans with the smallest balance, which is where this Principal payment should have been applied. 
- Confirmation of delivery on XX/XX/XXXX of Certified letter to PHEAA Consumer Advocate.
My loan has doubled and there are fees on it that were supposed to be waived. A forbearance was really easy did n't know about reduced income payments. When I found out called and demanded it. Then they acquired but took forever to process my paperwork racking up fees. My loan has doubled due to the years of forbearance. XXXX and now massive debt.
XXXX XXXX has an item on my credit report. I attempted to dispute the item with XXXX XXXX directly, with the address that they provided on my credit report XXXX XXXX XXXX XXXX Mn XXXX. The certified letter was sent back to me, address un-deliverable. I disputed the item with TransUnion and XXXX given they have false information on my report. I sent them a copy of the letter that was returned to me. TransUnion responded saying that the item met FCRA, in which it does not as they are reporting false information about me. XXXX   stated that the item would be deleted, however it still remains as of XX/XX/18.
On XX/XX/XXXX, I wrote to TransUnion challenging the reporting and compliance of an account on my credit report ; to-wit : XXXX/XXXX. Said account is reporting with incorrect/missing information.

On XX/XX/XXXX I received correspondence from TransUnion, dated XX/XX/XXXX, indicating that the results were " verified and updated ''. No documentation was attached to evidence said reporting.

On my credit report of XX/XX/XXXX, the XXXX/XXXX  account is still reporting with incorrect/missing information.

On XX/XX/XXXX, the Federal Trade Commission issued an Advisory Opinion that evidences TransUnion is in direct violation of Section 609 because it is not providing accurate or clear disclosure of all information in my credit file.
I filed a dispute onXX/XX/XXXX in the amount of {$100.00}. Epiccard/ XXXX XXXX XXXX program issued a provisional credit on XX/XX/XXXX in the amount of {$100.00}. The dispute was resolved in my favor and I recieved a letter from Eppicard stating that the provisional credit will remain on my account. The merchant XXXX whom the dispute was against also issued back the refund to Eppicard. On XX/XX/XXXX the provisional credit was reversed with no explanation. Since the letter stated that the dispute was in my favor and the provisional credit will remain, I did n't expect that my account would be debited the credit at a later date. As a result of the debit my account became negative, hence I did not recieve my monthly Stipend of {$100.00} on XX/XX/XXXX. Each time I contacted customer service, I was told that the credit should not have been reversed and they are submitting a tracker to the department responsible for crediting Back the {$100.00} to my account. I asked if I could speak to that department directly and was told by XXXX, XXXX, XXXX, XXXX, XXXX, XXXX a supervisor name XXXX and several other customer service representatives that they are submitting a tracker for me to recieve back the {$100.00} and there was no way for me to contact anyone else in regards to the dispute. These are just names of people I have spoken to monthly in the department that I contact to file the dispute. It 's now XXXX and 4 months after the reversal and I still can not get back {$100.00} that 's due to me. The dispute tracking ID number is XXXX. The tracking ID that the reps claim that they are issuing to their higher ups in regards to my complaint is XXXX. 
I contacted XXXX who gave me XXXX XXXX stating that they are the financial institution responsible for the card, after contacting XXXX, I was told by XXXX that they only make and sell the plastic to Eppicard and that they are not involved financially. 
Contacting Consumer Financial Bureau is my next step before filing a civil claim which cost {$50.00} in my state and then I 'll also sue for the court cost. I am hoping it can be resolved at this level. I will also hold XXXX accountable as this company is bearing its name. 

I was not able to upload the letter that states I can keep the provisional credit, but I have a copy and I also taped my phone conversations with Eppicard, the state of Oklahoma law states as long as one party knows it 's being taped.
I sent this company a debt validation letter but they refuse to provide me with the documentation it has been over 30 day. In the company all of the sudden the company added fees that I do n't know any thing about and by the way they fail to place a dispute status with the credit bureau. I never did any business with this company so how can I owe them they threatened me by saying and I also write saying that there is going to sue and seek legal matter against me they have violated the fdcpa section XXXX and XXXX this company is rude. I 'm frustrated that this company is a rip off they report this to the XXXX major credit bureau by reporting inaccurate informations another violations of fcra.
My divorce was finalized XX/XX/XXXX, Superior Court ordered me to relinquish any ownership of Home to ex-wife who was ordered to take ownership of taxes, mortgage, deed. Wife left mortgage in my name and proceeded with Modification of the mortgage with XXXX XXXX XXXX and Ditech Mortgage. Both entities used my financial and personal information to refinance debt that was her responsibility without any notification to me that this occured. My credit has now been and will be damaged for 40 years ( term of new loans that are 1st and 2nd loans ). My name is on both loans even though I had no right to title or ownership per the court. I will never be able to qualify for any considerable credit, especially a mortgage loan, as this process occurred without my knowledge and without my signature. Transactions occurred from the best of my knowledge in XX/XX/XXXX-XX/XX/XXXX. My credit shows 1st mortgage was closed with no reason given, but also shows 1st and 2nd mortgages still in my name with new terms that were agreed to without my knowledge.
To whom it may concern, I sent in several disputes, disputing the inaccuracies of the bankruptcies on my credit report. The credit bureau sent a letter stating that the information was verified and has the US Bankruptcy Court as the address where the information was verified. I called and sent a letter to the US Bankruptcy court and they stated that they don't verify information with the credit bureaus. The credit report shows the liability amount as XXXX which is inaccurate and they have removed the bankruptcy and put it back on my report without a 10 day notice. Equifax has also deleted two other accounts off my credit report then put them back on. Those accounts are XXXX and XXXX XXXX XXXX XXXX. I am submitting the complaint due to lack of investigation into my original dispute. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer
I opened an online savings account with Discover Bank based on a targeted offer I received in the mail. The offer was to include a {$100.00} bonus if I deposited {$15000.00} by XXXX/XXXX/15. The bonus was to be credited to my account within 30 days of receiving the required deposit. I opened the account with the deposit of {$15000.00} on XXXX/XXXX/15. The deposit was posted to my account on XXXX/XXXX/15. As of today, XXXX/XXXX/15, I have not received the credit that was promised. I called Discover customer service, and they informed me that I have done everything to qualify for the offer but do n't know why I have n't received it. They told me I had to put a ticket in with their marketing department and it would take 4-6 weeks to resolve. Discover Bank seems to be taking an excessive amount of time to post deposits to make interest off of the " float. '' In addition, they are not following through with the bonus offer that customers agree to. These are unacceptable business practices and consumers should be aware.
I had a mortgage with Wells Fargo that was subsequently sold to XXXX XXXX. I was making my payment as scheduled to XXXX Loans when in XXXX I received a XXXX from Wells Fargo stating that I owed taxes on XXXX! I was perplexed because after the sale Wells Fargo did NOT send me a check for any amount so I called them to inquire. They then told me that they sent the check to XXXX XXXX  without my knowledge or consent. They provided me the XXXX delivery confirmation number and a copy of the check for XXXX that was cashed by XXXX XXXX. So apparently of the XXXX only XXXX was taxable. I contacted XXXX Loans IMMEDIATELY to inquire what happened to my XXXX. Was it being sent as it should have been by Wells Fargo? Was it being applied to my loan after the error had apparently been made? I was told by XXXX XXXX to fax all information to them and they 'd research the matter and I made repeated follow up calls with my contact person always " out of the office ''. Then in XXXX XXXX my mortgage was sold to XXXX XXXX without ever getting the {$1900.00} check, any mortgage credits or any explanation period! I have included a copy of the faxed requests for an explanation, a XXXX copy, a XXXX Delivery to XXXX XXXX confirmations, and a copy of my check that was cashed by XXXX XXXX.
All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX. 
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify Transunion but they stated that I would have to contact the companies directly. The information is not accurate.
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
BalanceXXXX XXXX
Date Updated: XXXX
Original Amount: 	$XXXX
Original Creditor: XXXX XXXX XXXX (Medical/Health Care)
Past Due: 	>$XXXX<
	
Pay Status: 	>In Collection<
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX Placed for CollectionXXXX XXXX Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: XXXX Date UpdatedXXXX XXXX Original AmountXXXX XXXX Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX

COMMONWEALTH FINANCE  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Placed for Collection: 	XXXX Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX 
Date Updated: XXXX
Original Amount: XXXX
Original Creditor: 	MEDICAL-EMCARE GLT EMERGENCY PHYSICIAN (Medical/Health Care)
Past Due: >XXXX< 	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX 

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX
Date Updated: 	XX/XX/2017
Original Amount: XXXX Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	>XXXX
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX 
COMMONWEALTH FINANCE  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX 
Date Updated: XXXX
Original Amount: XXXX
Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	>XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX
XXXX XXXX has a collection on my report. This was a fraud claim that was approved then clearly not approved. I sent a check for the balance to clear it. I have the court paperwork. The credit report agencies refuse to accept this over certification from XXXX XXXX. I have asked my attorney to look into filing suit against each credit reporting agency.
Bank of America has offered an XXXX Rewards XXXX for many years. We had accrued many XXXX dollars worth of points that we typically redeem near XXXX time to purchase restaurant pre-pay cards that we use as gifts. I learned today when I went to their web site that Bank of America unilaterally cancelled the program and eliminated my points. They also failed to provide information on how many points they took from me so I do n't have a total value. When I contacted them, they said they had mailed me notices, but I do not recall receiving that mail. They contend that since they told me the theft was going to occur in advance, that the theft was legitimate. I received nothing of value for the points I had accrued in return for their decision to cancel the program. I consider this fraud and an act of bad faith.
KeyBank failed to supply monthly statements and updates on my account, withdrew $ XXXX inactivity fees from last date of customer activity XXXX ( verified XXXX/XXXX/XXXX by KeyBank ) then claimed date of last activity as XXXX/XXXX/XXXX but refused to state reason nor supply documentation on either, confirmed on XXXX/XXXX/XXXX having all my prior relocation addresses since, failed to supply consumer updates/notices/statements/withholdings/tax information on the account the entire period, notified me ( XXXX ) that the account was being sent to the state, stated the account was sent to the State of XXXX on XXXX/XXXX/XXXX ( the State of XXXX and the State of XXXX verified not having the funds on XXXX/XXXX/XXXX nor XXXX/XXXX/XXXX ) yet did not have any form of tracking number or verification of such, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX confirmed that the account was still held by KeyBank and in process of being sent back to me via my branch, refused to supply statements or verify accrued interest and rate earned the entire period, refused to supply any statements on these matters, contradicted their XXXX/XXXX/XXXX statement and said they do not have the funds but sent them to the State of XXXX unclaimed property going against regulations that account origin location and holding branch dictate by law that the funds go to that states unclaimed property which is the State of XXXX yet either way held the funds and withdrew service fees for years afterward within authority in legal proceedings nor informing the owner of the account of such, stated they would supply confirmation on the last date of activity then refused even though they confirmed it being XXXX XXXX, then claimed the last date of activity was on XXXX/XXXX/XXXX with activity of a monthly service fee applied by KeyBank and no activity by the account holder, surpassed the XXXX year and XXXX year ESCHAET process requirement to either state by several years, changed their statement on sending the funds to the State of XXXX nor back to me through the branch but instead sent the funds to the State of XXXX under a XXXX year mandate for ESCHAET processing and fabricated the XXXX/XXXX/XXXX date of last consumer activity in attempts to abuse the law, held my funds for seven years and several years past regulation under either states law and policy, claim they supplied me with monthly statements showing the $ XXXX fees for the entire seven years and that I did not act upon these continuing losses, refused to give back over {$750.00} in fees they stole and stated they would only reinstate two months worth, refused to supply any account documentation or statements, lied, deceived, mislead, fabricated, withheld, abused, and treated the consumer and regulatory system like a pawn for their own gain, fraud and criminal activity. Dates, names, verifications and such available.
I regularly receive calls from " Portfolio Recovery '' regarding a XXXX XXXX XXXX debt. I have previously verified with them that the last XXXX of the SSN they have on file is not mine and that the names do not even match, but they continue to call, including on a weekend morning ( today XXXX XXXX, 2016 ) before XXXX, waking my household. The supervisor today was " XXXX XXXX. '' They have clearly failed to demonstrate even a modicum of due diligence in confirming that the phone number they continue to call matches the name and SSN of the person they are attempting to contact, even after being informed of this.
Unclear of what debt this is. I called to inquire and was given another acct # XXXX and told I would received a call back. I never did.
XX/XX/2012, I terminated an auto lease with Ally Financial. Because I was already in a Chapter XXXX bankruptcy, my attorney amended the current proceedings to include Ally. Ally agreed to the terms of that amended agreement but has continued to report to the credit bureaus a past due amount. I am attaching documents to substantiate my case.
The following items, I have never had accounts, with these vendors, my credit was perfect and I have continued to get negative items, on my credit report, that are not my account. I have several energy accounts, that aren't my credit account. 


The following accounts are listed on my credit and I have never received any, communications, regarding the accounts. They were just posted to my credit report. 

Online collections original creditor ( XXXX XXXX XXXX ) Acct # XXXX Phone # XXXX Online collections original creditor ( XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX original creditor ( XXXX XXXX XXXX XXXX XXXX Acct # XXXX Phone # XXXX XXXX XXXX XXXX Acct # XXXX Phone # XXXX
I acquired a reverse mortgage from Champion Mortgage XX/XX/XXXX for {$170000.00}. I received approximitely {$150000.00}. by the time they took all their fees. My question was will there be no prepayment penalty because it was always my intention to repay. I was assured that it was not a problem. I have found that the interest is very high and I sent them {$75000.00} to pay down the mortgage. I have had a great deal of trouble with their insurance department because they want flood insurance but my agent at XXXX XXXX said I was not in a flood zone. They refused to listen to her even when we sent FEMA charts. They charged me {$5000.00} a year for flood and will not change the amount. The mortgage co. paid my house taxes on XX/XX/XXXX without my knowledge and when I sent them a check for the taxes they refused to accept it. They held on to the bank check for several months before they returned it to me and it was out of date. luckily my bank went the extra mile and gave me my money back. They are now foreclosing on me and in order to try and get a new mortgage I checked the liens on the property and found that they had put a XXXX mortgage on the property for {$570000.00}. I never got one cent more than the first payment. I can not get any bank to even look at me untiI straighten it out. Please help a XXXX out of this mess.
XXXX has sold a debt they believe to be valid to a collections agency. That agency has repeatedly called me at approximately XXXX, well outside of acceptable times. The collections agency claims they are calling based on the phone number on the account being a number located in the XXXX Zone, but the account with XXXX has always had, and continues to have, a mailing address in XXXX, CA, located in XXXX XXXX. There is no reason that the collections agency should be contacting me outside of XXXX to XXXX XXXX XXXX, given that they clearly have my correct address and location. 

As evidence, I have presented a screenshot of recent calls over a 2 day period from the number claiming to be the collections agency. If necessary, I can provide evidence through XXXX XXXX XXXX current provider of the phone number being called/harassed ) of dozens of calls, every weekday for several months.
I opened a checking account with Bank of America on XXXX XXXX, XXXX at the local Bank of America branch in XXXX, CT with an initial deposit of {$3000.00} via XXXX money order. I was told by the account specialist XXXX XXXX that my funds would be available within 24 hours. 24 hours the funds were not available so I called XXXX XXXX who advised me " to give it a few days. '' I called the local branch again on XXXX XXXX when the funds did not post and I was referred to the generic customer service line ( XXXX ) in order to seek a resolution. The customer service representative informed me that there was no posting of {$3000.00} nor was there any record of a money order deposit. They referred me back to the local branch despite having no results with them either. 

I have the receipt from Bank of America dated XXXX XXXX, XXXX for the deposit of {$3000.00}. I also have the receipts from the XXXX for the 3- {$1000.00} money orders. Bank of America has violated their deposit agreement for fund availability for XXXX postal orders, had their customer service representatives mis-inform me on the status of my deposit and overall has not helped me resolve this issue.