WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX Visa gift cards issued by US Bank were purchased at the same time XX/XX/XXXX and location, the XXXX store, XXXX for {$500.00} and XXXX and XXXX for {$200.00} I have the receipt for the purchase. The {$500.00} card was lost so I called the number given to report the loss ( XXXX ) only to be told to send the information along with a receipt via fax to # XXXX this was on XX/XX/XXXX as of XX/XX/XXXX I got no response from anyone so again a call was made and was given the same instructions then again on XX/XX/XXXX at which time I asked for a supervisor only to be transferred to what they call an expediter only to be given the same instructions. On XX/XX/XXXX I called and again told same thing. This has dragged out now for some time and no one will say anything other than you have to fax the info to the number given and nothing else can be done until I hear from them, only I have never been contacted from anyone. I do n't believe at this point that they have any intention of doing so and wonder how many others they just ignore and hope they give up trying only to keep the money for them selves I feel they are scamming people out of a lot of money.
Sent a certified letter to ERC on XXXX informing them of the Fair Debt Collection Practices Act, 15 USC 1692c, 805 ( c ) The letter was picked up on XXXX. Received another collection letter from them dated XXXX, in direct violation of above.
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. Several accounts were opened in my name. 

I did not open, use, benefit or access the accounts opened at XXXX  XXXX XXXX or XXXX. 

I called Early Warning Services today and the agent confirmed that Early Warning marked my account as identity theft but did not delete it and until today had not sent me their identity theft kit. I did receive the identity theft kit on XX/XX/2018 My Early Warning Services consumer ID is XXXX I have attached a copy of the police report
After a declined charge attempt for {$3.00} on my citibank mastercard on Thursday XX/XX/XXXX, I went online to look at the status of the account and saw that it had been closed. The account, which I 've had for about 20 years has always been in good standing with on-time monthly payments. The last ( minimum due ) payment was made on Thursday XX/XX/XXXX for {$360.00}. The balance after that payment was {$13000.00}. I called customer service and was automatically routed to the recovery department. After authorizing them to remove a " Cease and Desist '' order to communicate with me, They claim to have received a letter on XX/XX/XXXX ( from a firm that I employ to do all my bookkeeping and tax work ) requesting a " cease and desist '' of all communication between Citibank and me, and to close the account. Inexplicably, the account was closed on XX/XX/XXXX, ( the day following the last payment ) 6 months after this letter is alleged to have arrived The firm in question, XXXX XXXX XXXX has flatly denied ever sending any such letter, reminding me that they are not authorized to speak to Citibank or make any changes to the account. The Citibank rep was not able to produce a copy of the letter or to provide a name of an individual who authored it. They referred me the collection agency Citibank has engaged to work out a payment plan. Again, the account has never been in arrears and timely monthly payments have been made and posted to the account each month. The Citibank rep confirmed the balance on the account is now {$17000.00}. I have not made any charges since the last payment was made. The credit limit on the card is {$17000.00}. I, nor anyone on my behalf ever authorized or requested a cease and desist of communication or that the account be closed. I am in the process of obtaining digital copies of all recent statements and payment activity.
I have fallen behind in my payments to XXXX, and they keep calling my work. I have called and demanded they stop calling my work as it has caused me great embarrassment with my staff as the fact that I have a loan has been disclosed.
Federal Student Loan borrowers are unable to deduct student loan interest they paid during the year if they make more than {$80000.00} per year. This rule should be reconsidered ; federal student loan interest should be able to be deducted no matter what one 's income, especially if one lives in a city with a high cost of living, is single and works in public service. High federal student loan interest rates create a burden on borrowers ; a tax deduction would ease some of this financial burden and allow borrowers to save for their futures.
On XX/XX/XXXXI settled a collection account with Diversified Consultants Inc, collecting on behalf of the original creditor XXXX. The settlement amount offered to me by Diversified was {$900.00}, which was paid via credit card ( see attached payment receipt ). At the time the account was settled onXX/XX/XXXX, Diversified had not yet been reporting the collection account on my credit report ( see attached 3-in1 credit report showing collections only, datedXX/XX/XXXX ). However, in XXXX, over a month after I paid the Diversified collection account, the collection agent [ Diversified ] reported a new collection account to the credit bureaus with a retro open date of XXXX. 
InXX/XX/XXXX, I spoke with a Diversified collection agent who informed me of the original creditors [ XXXX ] collection charges, and in response to whether the collection was on my credit report, I was told by the collection agent that the account was not yet reporting and would not report if I paid the debt prior to Diversified submitting the collection status to the credit bureaus. I, in turn, indicated that I would pay the account but only after I filed dispute with XXXX due to a discrepancy in the amount. The discrepancy was somewhat rectified and thereafter, I contacted Diversified again on XX/XX/XXXX. The collection agent stated the amount of the debt was {$1000.00} which was settled for settled for a lesser amount of {$900.00} ; account was paid over the phone directly with the Diversified collection agent onXX/XX/XXXX via credit card. Additionally at the time of payment I inquired with the Diversified collection agent as to whether the account was reporting to my credit and again, I was told the collection account was not yet reporting. 
I have credit monitoring for the 3 credit bureaus, and inXX/XX/XXXX I received a credit alert that a new collection was placed on my credit file, and as a result my credit rating was adversely impacted and my credit scores had significantly decreased. Since the Diversified collection was settled prior to the account being reported, I filed dispute with the three major credit bureaus, XXXX XXXX, XXXX and XXXX. To no avail, the dispute was closed indicating that the account was being reported correctly.
XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   )  for {$230.00} was disputed and removed off my  XXXX  credit report on  XXXX / XXXX /   2017  however the credits bureaus has not removed the collection off my report like it 's suppose to be
Everyday relentlessly I am receiving 5 to 7 calls a day from this number XXXX XXXX XXXX which my caller ID is saying this call is being made from XXXX XXXX in XXXX. The first time I answered this call, The immediate message said Hi, This is CBE and anything you say will be recorded and all went silent then the call just disconnects. I searched CBE and it is a debt collection service with office based in XXXX, but I did not call or reach out to this company for any information. I have a call blocking service provided to me by my phone carrier XXXX which Identify scam or these type of calls but all it does it let my phone ring twice and disconnects the call but recently this same number comes in and my phone keeps ringing and my blocking service does no good as if thought the number is being proofed. I want this company to stop calling me PERIOD. I even tried to answer them to find out what they want but the call gets disconnected.
Equifax has been non-compliant with removing the unverified account XXXX  XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined thatXXXX   XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
XX/XX/XXXX Complaint # XXXX To whom it may concern : We built our home in XX/XX/XXXX with Suntrust Mortgage ( Loan # XXXX ) and they did some kind of loan modification for permanent financing but increased our interest rate and placed us in an Adjustable Rate Mortgage tied to the LIBOR Rate, which was found to be criminally manipulated by major banks harming us. 

Suntrust told us our payment would be one amount and then the payment increased substantially at the closing table adding $ XXXX/month for private mortgage insurance that we were not told about. They then told me that they could refinance after one year and could at that point get the payment lower. After the first year, in XX/XX/XXXX I went back to them to see what they could do, at this time the housing market was in collapse and they told me there was nothing that they could do. We have fought to pay them over the years. 

As we have fought to pay this mortgage over the years, we have been victims of an unscrupulous business partner which destroyed our financial income, pushing us into Chapter XXXX bankruptcy. 

Last year in XX/XX/XXXX we attempted to sell our home through a short sale with the help of a realtor and got a full offer right away. At that point our house was ready to close and we were bringing money to close but Suntrust would n't co-operate with our realtor, we had sent all of the required documents that they asked for in to them, however they kept telling us that they had not received all of the required documents, we have resent the same forms time and again via email and fax and were getting confirmation that the emails and faxes had been received. After a month of anxiously waiting, the buyers decided to move on to purchase another house. 

Now again we have an investor that wants to purchase the home through a short sale and Suntrust is doing the exact same thing, they are trying to hinder the short sale by again asking for paperwork that we have already sent in. This has now been going on for several weeks, it seems like a stall tactic on their part as they have given me a foreclosure sale date of XX/XX/XXXX at XXXX. I am simply trying to get them work with us to do a short sale so that that I do not have a foreclosure on my record, I am trying to get back on my feet financially and want to be able to purchase an affordable home in the future. 

Please help us to do a pre-foreclosure sale so we do n't have a foreclosure on our record. We are a young family who paid over {$250000.00} on our mortgage. Suntrust received a {>= $1,000,000} bailout from the American taxpayers. Can you please help us postpone the foreclosure sale date scheduled for XX/XX/XXXX at XXXX so we can sell our house and move on without a foreclosure? 

I have attached just a few of the letters that they have sent me recently claiming they have not received paperwork, my realtor XXXX XXXX with XXXX XXXX, XXXX XXXX, with XXXX XXXX XXXX ( who took our case pro-bono ), and myself have all sent them everything that they have asked for but they deny every getting any the documents. 

We want to thank you for any help you can offer my family and myself!
On XXXX/XXXX/XXXX I contacted ACS in order to get assistance with bringing my account current. I was told that I did not qualify for a forbearance. On XXXX/XXXX/XXXX at XXXX I called back with a rep from the loan guarantor on the line. I spoke with XXXX XXXX who said that I was eligible for a forbearance for 4 months. She further represented that my accounts would be brought current, the forbearance had been re-submitted and was pending and she had expedited it. In XXXX I received a bill from ACS requesting a payment for a date that had already passed. I began calling ACS immediately to correct the errors to my account and deterine why it was past due. I was told that the forbearance was not applied for XXXX as I was told it would be. In addition I was told that the income based repayment that I applied for was not applied until XXXX XXXX {$13000.00} ) and therefore, I was past due for the standard amount ( $ XXXX ) for the month of XXXX. I made an immediate payment as instructed in order to prevent my account from being reported more than 30 days late. I made payments on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have contacted ACS twice a week each week in order to attempt to reach a resolution on my account. Each time I am told something different. Most notably, on XXXX XXXX, XXXX, XXXX of ACS, informed me that the XXXX payment would be corrected to reflect the payment due of {$130.00} and that the negative credit bureau reporting for the months of XXXX, XXXX XXXX and XXXX XXXX would be removed. I was told on both XXXX XXXX and XXXX XXXX, XXXX that internal investigation requests had been submitted and that XXXX would recieve results within XXXX10 business days. Despite following up on many occassion in writing, I have yet to recieve results. I requested a copy of my promissory notes on XXXX XXXX, XXXX. I have not recieved a copy as requested. I have rquested a copy of all correspondence that was sent to me since XXXX XXXX and was told by XXXX as well as a supervisor, XXXX, that ACS would not and could not provide correspondence because it had already been sent to me and ACS does not keep a copy of correspondence. My loans are being reported as 165 days days past due on XXXX XXXX, XXXX and today I was told they are 168 days past due. Each time I call the loans are past due for a different amount, a different number of days, despite making payments on time for my current payment amounts.. I have contacted this company trying desperately to resolve my account without success or response.
I recently re-opened a checking account with BB & T to go with the savings account I had with the bank. When I opened the account, I linked my savings account to the checking account for overdraft protection. I deposited the funds and used my debit card as normal. A few weeks ago I need to make a purchase with limited funds in the checking account. Mobile banking and online banking would not allow me to transfer funds from savings to checking to cover the transaction. 

A few days later, after all of my pending transactions posted, BB & T charged me several overdraft fees though I had overdraft protection. There was no real explanation given. I was charged nearly {$370.00} in overdraft fees though I had the funds in savings to cover all transactions and had overdraft protection. 

When I spoke with bank associates, I was told that they can only credit one fee ( which they did and later reversed ) and that my checking account was dormant though I had made deposits and withdrawals from the account at a branch. 

I understand paying for overdrafts if the bank pays for something for a person ; but if the person has the funds in a linked account and opts into overdraft protection, the person should not be charge such insane fees.
I have a 30 yr mortgage with Caliber Home Loans for the past 3-4 yrs. As of XXXX-2018, they began adding on a {$3.00} fee per month for paying the mortgage online. This doesn't seem fair to me. They state that if I setup a scheduled monthly payment cycle on a certain date then the fee won't apply. I'm not able to do this - I manage my mortgage payment based on pay dates between my wife and I. I don't feel that Caliber should be able to add this fee on. Please advise. 
Thank you.
Lending Club repeatly has denied my applications for debt consolidation loans over the past 4 years, and yet they keep sending me invitations to apply, with a pre-approved amount of up to {$35000.00} or {$40000.00}. 

Despite the facts that I have an excellent repayment history and a good credit score, they continually deny my applications due to debt-to-income ratio and excessive debt.
Is n't that why they sent me the invitation in the first place, so I could consolidate those debts?!?!?!?!?!?
They know darn well what my credit score and income are.
This deceptive practice must stop.
Currently out of college. XXXX from XXXX XXXX of XXXX and University XXXX XXXX. When your in college your told its ( private student loans ) just like your other loans ( XXXX ). Then you graduate and find out there is no payment plan besides what they charge to have paid off. There is no help for how private borrowers are being ripped off. Then told private student loans fall under same category of federal student loans in Bankruptcy. That is not fair when private loans are not federally backed and dont have to offer income based repayment but are protected in Bankruptcy. If they are protected then they need to offer the same repayment options as federal student loans. If they dont have to offer same repayment then they shouldnt be protected in Bankruptcy. Its not fair to us borrowers. Since obtaining my degrees my private loan balance has increased to XXXX and payments are $ XXXX/month. I cant afford this and still try to survive. What can be done? What help is out there? My loan is thru Navient. They owe and are not forced to pay but those of us barely surviving are forced to pay.
A representative of Municipal Services Bureau called me saying that I owed $ 1,000+ for unpaid traffic tickets and that a warrant had been issued for my arrest. When I explained that I have no unpaid traffic tickets and that in fact had not received a ticket in 8 yrs ( which had been paid off ), I was told that I still owed them money unless I provided proof of having paid off the ticket. At this point I terminated the conversation. 

Upon checking for outstanding warrants under my name on the internet, I found that there were none. I can only guess that the representatives are told to say this in effort to extort money from people. I have a feeling that what they are doing is illegal but I am not positive.
I have been a loyal customer of best buy and their credit card for over 10 years, never had a late payment in that time and had always paid the account in full. I had recently moved from XXXX XXXX to XXXX and had changed my email address and physical address in their system so that I would receive the bills. Unfortunately, I found that it was never changed and everything was being sent to my old email address and the bills were being sent to my old physical address. At this time, I was also having trouble logging in to their system and was trying to get that fixed. I called the company a few times and spoke to numerous people. I let them know that I had paid the account in full and set up automatic payments. I also had them change my address as well as my email address. I was then told by one individual that they would remove the late charge and gave me a number ( which went to nowhere ) to have the late payment removed from my credit. I called back yet again and spoke with someone who was less than helpful and treated me like a person that doesnt pay their bills. I asked to speak to a supervisor, he filled out a report and stated that it would be sent to a review board. I did tell him that one of his employees let me know that it would be removed from my credit report, that was not honored. I received a letter in the mail that my dispute had been rejected and that their reporting was correct. It seems as if none of the other issues were taken in to consideration. They stated that they would send my dispute on to the credit bureau within 30 days, however it was never sent. This is why I am writing this dispute now. I take pride in my credit scores and they have been in the 700s to 800s. I have had 2 mortgages, car payments and student loans that have all been paid on time. Now this has tarnished my credit report because they made a number of mistakes that they did not own up to. 

I reported the company to the XXXX XXXX XXXX, I received a letter from the company stating that the information was correct and that I should not have been told they would remove the missed payment from my credit report. They stated they had tried to contact me but my number had been disconnected. This is a fabrication as I have been using the same number for over 20 years and I never received a call from the company ( my phone number was also listed in the complaint ). They provided me a number to customer service if I wanted to discuss more, but I have already dealt with them. Nowhere in the letter did they acknowledge that they had the wrong contact information, including email, or that I had attempted to change it and it didnt register in their system. I feel that if they had those things correct I would have received notice that my payment was late and it would have been made before it became a missed payment. This was their issue and I feel like it has been placed unfairly on me. I was not satisfied that they were going to send to the credit bureau that I disputed the claim.
I want a check for the rewards balance earned. 
First I wanted it applied to the balance owed. 
This was not done. 
I then asked for a check. 
Their reply is jibberish about travel miles application. 
I'm not going anywhere so I requested A check again. 
Their web site is non navigable.
JPMorgan Chase is no longer my mortgage company, but they didnt honor their modification before they sold my loan. Therefore, I was left paying on a mortgage loan that began much higher. 

Chase didnt honor the modification contract for the 8-40 years. I never received the {$1000.00} mortgage payment that was due according to the final modification. The mortgage increased to {$1300.00}, which was outside of the contract, sparking me to request another modification, which was granted. 

I would not have requested another modification if the first one was  honored. Chase sold the loan to XXXX, which has increased my mortgage further.
I recently received an alert from XXXX that Diversified Consultants, located at XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX ( XXXX ) XXXX, placed a collections on my credit report. The collections is from XXXX for XXXX dollars. I have spoken with XXXX representatives with XXXX and am told I have a zero ( XXXX ) balance. I have tried multiple times to contact Diversified Consultants to no avail. My XXXX XXXX had dropped due to this erroneous information and am seeking legal action against Diversified Consultants and XXXX for allowing this to be put on my credit with no just bases or regard for my personal welfare and credit worthiness. 

XXXX XXXX, GA
I sold Bitcoin to username ( XXXX ) on XXXX. The buyer then did a reversal of funds by claiming the payment was unauthorized. The transaction date was XX/XX/XXXX and I was notified of the reversal of funds on XX/XX/XXXX. The transaction amount was for {$7300.00} ... The transaction was through PayPal and I have been in constant contact with PayPal regarding the situation. PayPal has ruled in favor of the buyer because they say they don't cover digital transactions. I sold a product valued at {$7300.00} and received the money for this product. Now PayPal wants me to refund them the money for this product but I have no way to recover the product ( Bitcoin ) which I sold. I have screenshots of everything concerning the transaction including payment verification and my communication with both the buyer and XXXX. I'm a person with fine credit and am being victimized by this whole fiasco. I'll include everything I have showing my transaction. Thanks!
promised me lower monthly fees by allowing me to make interest only payments and not explaining that this would increase the total cost of the loan. Told me I could trade the car in in six months. XX/XX/2018 was my purchase time.