WillisBack/dataset-financial-user-claim huggingface dataset:
Past Complaint # : XXXX XXXX, ONLINE PAYDAY ADVANCE Am being billed, {$250.00} for a Payday Advance Loan from XXXX Online, that was never deposited into my checking account. 


I am a 'victim of crime ', Marsy 's Law, with the District Attorney 's office in XXXX XXXXo , as of XX/XX/XXXX. 

Victim of Crime XXXX District Attorney XXXX XXXX County of XXXX XXXX District Attorney 's Office. 

Victim of Identity Theft Marsy 's Law. 
XXXX XXXX Date occurred : XX/XX/XXXX IDENTITY THEFT has been reported to my XXXX CREDIT REPORT. 
XXXX XXXX CREDIT REPORT, INFO : XX/XX/XXXX A fraud alert has appeared on your credit report. 

( Please note : the presence of a fraud alert may be repeatedly reported while it is still on your file. ) Processed Date : ( XX/XX/XXXX ) Alert Id : XXXX Alert Type : Fraud Alert Date Reported : ( XX/XX/XXXX ) Comments : Statement added because consumer was a victim of True-Name Fraud. 
ALERT # : XXXX # IFCRA I would like my past due : {$310.00}, removed from my XXXX XXXX XXXX   account. 

Thank you, XXXX XXXX XX/XX/XXXX.
Inacurrate information reported to credit bureaus. My car payment is due on the XXXX of the month. My payments are not 30 days past due.
My loan account service was transferred from XXXX XXXX XXXX to Carrington Mortgage. They are showing there is some late fees that were transferred. I disputed the accuracy but the company refuses to send information to prove the accuracy of fees.

Carrington also is reporting the fees as if they are a late payment. The account is current but they are unwilling to change the way it is reported. I have tried to get them to correct the way they are reporting but they say it is all accurate.
I have file number of dispute that the account from SYNCB/XXXX XXXX I did not open this account this was open by my ex wife or someone else ... Yet again, thay have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. please note : As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am seeking ( {$3000.00} ) in damages for : ( choose which laws toinclude depending on whether or not they provided you with evidence or failed to mark as disputed ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) Violation of ( insert corresponding state laws here if desired )
on XXXX XXXX, XXXX, I open new online saving account and Discover Bank will give {$100.00} bonus by XXXX XXXX, XXXX. But Discover bank never gives me {$100.00}.
I forwarded insurance proceeds from a barn fire ( total loss ) to Select Portfolio Servicing , Inc. because the check was made out to us and them. They were supposed to distribute the funds back to me in XXXX installments : 1 ) immediately for materials purchase ; 2 ) when inspection verifies project is half done ; and 3 ) when the project is complete. After XXXX months, I still do n't have a XXXX of my money. XXXX keeps coming up with forms I need to complete or processes they need to finish. The contractor will finish next week and I wo n't have even the XXXX installment to pay him.
please see attached, the complex had my info that I lost my XXXX job and need to moved because of the hardship
I have several accounts that were investigated and removed from my TransUnion Credit report. The problem I am encountering at this present time is item that was remove are appear back on my report. 
XXXX. XXXX XXXX XXXX. BRCLYSBANKDE XXXX. XXXX XXXX XXXX XXXX My recent credit score went down XXXX point this week.
On XX/XX/XXXX, I opened a new checking account with XXXX XXXX, and entered the promotional code XXXX when submitting the application, in order to receive {$200.00} bonus as advertised ( the ad will be attached below ). 

The requirements to receive the {$200.00} bonus are, as quoted, " You must have an opening deposit of at least {$300.00}, and at least one direct deposit must post to your account within 60 days of account opening. Opening deposit can not be transferred from existing XXXX XXXX accounts. If you meet the stated requirements of this promotional offer, the {$200.00} bonus will be credited to your account within 6 weeks of the first direct deposit ''. 

When opening this new account, I did make an initial deposit of {$300.00} from a non- XXXX XXXX source ; and starting XX/XX/XXXX, I have {$100.00} of my paycheck directly deposited into this account on a biweekly basis. I believe I have met all the requirements, but as of XX/XX/XXXX, which is over 6 weeks after my first direct deposit, I still did not see the bonus credit posted. 

So I sent the bank a message for inquiry, and received their reply on XX/XX/XXXX. They denied that I have had a valid promotional code entered upon creation of the account. This is unacceptable so I decide to file this complaint.
Requested line of credit from XXXX XXXX, and was notified to call in for further information needed. Barclays then requested I photocopy my drivers license, social security card, and bank statement or utility bill, and mail them in to an unnamed post office box. When I told them I could not send those items through the postal service, as placing all those documents in one place put my identity at unreasonable risk and I would like to verify my identity through other safer means, I was told that was not possible. To be clear, I should never be asked to put those documents in the mail. I offered to walk them in, they said that was not possible. Now, though having an 800+ credit score and an excellent debt to income ratio, I have been forced to either jeopardize my identity or take a penalty on my credit score by having to withdraw my application and apply to another credit lender. This is an unacceptable choice that I should not have make. They notified me that this was not a credit bureau request, nor a request from the government. They insisted that it was company policy. I have never been asked to mail in this information when applying for credit. I feel something is amiss here.
I have on several occassion disputed my Federal Loan Servicing with XXXX and XXXX. Both credit bureaus keep coming back stating they verified that they were verified as such. My student loans were never discharged under Chapter XXXX bankruptcy and they could not provide me the proof from their source. I called Federal Loan servicing my self on XXXX/17 and was told the credit bureau never inquired about my loans and that they were consolidated and paid. I have been paying my loans each month since 6 months from graduating. I did fill out Fed loans dispute form and sent them a copy of my credit report showing them what the credit bureau has on them and they stated they were going to call them to correct the information. I do n't think I should have had to go this long with no proof from these credit bureaus to remove this information when they know by law student loans can not be discharged only under certain circumstances which I do not fit under. They have damaged my credit further by not doing their job. XXXX also had it on theirs but is no longer there so they did their job. I lost XXXX points when they put this on and I want it fixed. XXXX will no longer give me the option to dispute.that information.
There were 3 private student loans opened during the time of XX/XX/XXXX-XX/XX/XXXX. These Navient account has been delinquent since XX/XX/XXXX. They were originally Sallie Mae, when Navient took over in XX/XX/XXXX/XX/XX/XXXX they stated that i made a year of good payments and then charged them off. I have since disputed the good payments and had then removed however this will still be appearing on my credit bureaus till XX/XX/XXXX. these should have fallen off in XX/XX/XXXX. Per the fair credit reporting act these should have fallen off seven years after the date of first delinquency and not the date of last payment. Navient is trying to re age my accounts in order to keep them on my credit report longer, which is illegal. I fully give the CFPB permission to speak with Navient on my behalf about these student loans.
My loan servicer ( Bayview Loan Servicing , LLC ) is denying me relocation assistance on the grounds that I moved out of the property prior to close of escrow of a successful Shortsale.
Today on XX/XX/XXXX I had tried to log onto my chase account and I could n't. I called chase to see why my acsess had been restricted and I ca n't get one piece of information about my own account. Nobody will help me to find the reason why I do n't gave an account anymore. They wo n't let me get my money out so I can close the account. Nobody contacted me about the fraud or the account closing
I have an American Express " everyday '' card. I opened this up XX/XX/2016. I make my monthly payments well before the due date ( about two weeks before ) and I also pay more than the minimum amount due. 

XX/XX/2016, American Express errantly charged me an INVALID late fee ( my payment was submitted well before the due date, and more than the minimum amount due ) and American Express had simply made a mistake. I called in and notified the representative at American express of the mistake on their end and she said she would remove the errant late charge immediately and that it would reflect immediately on my statement. This did not happen. 
I called in again about a week later and went through all of the hoops, dedicating another hour or so of my time communicating once again that the invalid late charge and consequent fees and APR rate changes were on the account still and I was transferred three different times to different agents, having to re-explain the issue and then finally being told it would be fixed immediately and that the changes would reflect in my account online. This, once again, did not happen. 

Since then, I have called in multiple times per month, with the same issue and have not been helped or I have been transferred off to another representative who said the issue is handled when it has not been. 

The last, and most disrespectful call of all, occurred yesterday XXXX, XXXX, 2016. I checked my account once again with American Express, and the invalid late charges and fees have accrued and substantially affected my account and card payments with American Express. I called in and spoke to a representative explaining the same issues that have been going on and asked to speak to her supervisor. The representative stayed on the line and pretended as though she was the supervisor- upon noticing this, I asked her name and the name of the " supposed '' supervisor, she refused to give me either and abruptly, without warning, transferred my call to a line which ultimately ended the call on me after waiting on hold for 5 minutes. 
I called in yet again and was transferred to XXXX different representatives in the course of 2 hours on the phone with American Express and was told by the last representative that I had to pay all of the INVALID and errant late fees ( even though it was a mistake on their end and even though I have never made a late payment ) on my account and that it hopefully would not affect my credit score and standing. 

Conclusively, I have always paid my credit card monthly payment early and more than is required and because of a mistaken " late fee '' charge errantly administered by American Express and then, never resolved on their end, they are stating that : I must pay for the fees that I did not incur my credit may be affected my interest rate my be affected. 

Please help me come to a resolve on this issue.
I was paying my account on time and with no delinquencies. I was the victim of internet fraud and theft by deception. After American Express agreed to restore my credit limit, they reversed again
I got informed that my car loan account has been transferred to mid-atlantic finance from XXXX XXXX XXXX without notice on XX/XX/XXXX.  I had serviced the loan with XXXX XXXX XXXX for a period of 7 months before this transfer, the issue is that the record I had with XXXX XXXX XXXX [ {$1000.00} ] does n't match the record presented to me by mid atlantic finance [ {$1300.00} ], I made another payment of {$200.00} to XXXX XXXX XXXX which the payment id number is XXXX but not yet included in the copy of receipt I sent, but I took its fotograph and send along with the other receipt. I tried severally to make phone calls, sent e-mails to both companies to resolve this issue as i 'm ready now to pay-off comes the XX/XX/XXXX but all to no avail. please, to whom it may concern kindly assist to re-evaluate the record set it straight once and for all as I cant afford to loose my van. I have spent more on the van for maintanence and its the only means of conveying my kids to school..
We saw yorkies for sale on XXXX in XXXX. We texted to XXXX number that was in the ad : " Call or text anytime at. XXXX. : XXXX. :. XXXX ''. They responded by text that they relocated to Maryland but they could ship the yorkies. We transferred {$300.00} by moneygram to a person named XXXX XXXX, XXXX XXXX XXXX , XXXX, Maryland, XXXX. After we did this, we received an email from a shipping company asking {$850.00} for a crate to ship the dogs. We would get this money back at arrival of the dogs. 
We suspect this to be a scam.
My mortgage loan with Bancorpsouth in MS may have been subject to discriminatory financing. Although our mortgage was approved, the final loan had a higher interest rate and PMI than originally estimated. The interest rate and PMI used in the good faith etimate was 1 % lower than our " lock '' rate and the Final PMI was {$110.00} more. Even their our LTV was only about 82 % we are paying extremely high mortgage interest. I am asking for an immediate refinance to explore other loan products.
My stepdaughter, XXXX XXXX XXXX, rented an apartment in XXXX, Oklahoma XX/XX/2010. She listed me as the co-signer but I never received the co-signer agreement, neither by USPS or fax. I repeatedly asked rent recovery solutions to contact the apartment representative regarding the lack of an agreement signed by me. They never came up with one and I said that I therefore should not be held responsible for this debt. They have never followed up with a correction, that is, my NOT being responsible for this debt since I never signed anything!!!
I made a purchase XXXX/XXXX/XXXX for XXXX. There should have been {$50.00} in rewards applied and the credit was not applied. The full purchase was charged to my card. 

Sent email through card website. After a few useless and non-helpful exchanges filled with canned email responses that do n't even apply to the situation I was told I 'd have to call Customer Service. 

Call - get shuffled around a few times by associates with obviously the main goal of playing hot potato with my phone call until landing with a top performer of  disengagement who sounded like I was waking her up. After she asked me what my issue was she promptly said " hold on '' and placed me on hold into a complete black hole. I thought it was maybe so she could finish her nap or eat breakfast - but after about an hour of dead silence it became apparent her true plan was to park my call somewhere until I hung up. But, it 's ok - because I 'm using my time wisely and multi-tasking to submit this at the same time. 

Ridiculous. 

I 'd like the issue resolved and the card closed. I 've only had it a couple months. It 's not worth the trouble. I 'll take my business elsewhere. 

Thanks.
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Portfolio Recovery. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Portfolio Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you
I recently got an account open with pnc bank. Someone was able to get my card information and use it to make an online payment to their orthodontist for {$100.00}. I called pnc bank immediately to tell them about the issue, instead of stopping the payment before it posted they allowed it to go through. Now I am out of XXXX while they take 10 business days to investigate. Most banks show since of urgency when things like this happen. The customer service representatives are rude and show no empathy. I no longer trust my money being in a bank that does n't protect their account holders accounts and sensitive information.
I have contacted Wells Fargo regarding the cancellation of PMI stating that my loan is under 78 % LTV and the automatic cancellation of PMI should apply. They have sent multiple letters back stating an appraisal would be required because they need to assure that the value has not gone down. However the Homeowner Protection act does not allow for this. They are also using the wrong calculation for calculation and state that I am at 79.8 LTV because they are using the purchase price of XXXX to calculate rather than the original appraisal of XXXX. My loan amount currently is XXXX which is below 78 % of the original value.
On XX/XX/XXXX I gave Onemain financial permission to draw {$90.00} from my debit card on XX/XX/XXXX On XX/XX/XXXX I changed that amount to {$180.00} the same way the same day. 
On XX/XX/XXXX they try to make an Ach transaction from my account, which I had thought they did as a debit on XX/XX/XXXX as we agreed. So this was against my approved day and in an unauthorized way. They offered to review my incurred bank fees and MAYBE reimburse me those. They wanted nothing omitted. That was enough to make me unwilling to share my banking info any further with them. I had to place a stop payment on the account and was charge numerous overdraft fees. I can no longer pay them from the account so I have to buy money orders and mail them. Now they say they havent gotten the money order yet.
To whom it may concern,I am currently in the process of buying my first home through Fifth Third Mortgage Company in Michigan. My purchase agreement was completed and was sent to the processor on XX/XX/XXXX. We all agreed that closing would take place the last week of XXXX on the purchase agreement and through email due to me going out of the country starting on XX/XX/XXXX. During this process the processer requested for an insurance quote. He also sent me over documents to sign that had the wrong purchase price and wrong purchaser name. I sent emails stating this needed to be fixed on the XXXX. After no response after three days, I called stating the mix up where I was told to sign the documents to meet closing time, even though they were incorrect. I called my lender and told him the issue I had with the processor instructions in which he told me to mark off the incorrect areas and write the correct purchase price and my correct name on the document with initials next to those areas. I then received a call on XX/XX/XXXX from the lender stating that I need Home insurance to close. I proceeded to tell my lender that I sent two different insurance quote stating which one was cheaper to the processor a week ago. My lender told me that I actually need to buy Home insurance that day and that the processor is on vacation until next year and we might be able to close XX/XX/XXXX.I received a call today stating that the title transfer might take longer and that they never received verification from my employer. I sent an email stating why was I not informed because I could have got my company to sign off on this before the holiday break. I now have to call my boss during the holiday break to get him to sign off. They have also now informed me that I will need to get a power of attorney for someone else to sign off on MY FIRST HOME since I will be out of the country.
Both and my insurance company have been talking to multiple people in customer service departments in Freedom Mortgage for the past week just to get them to send the check from MY ESCROW account to the insurance company for XXXX XXXX XXXX XXXX XXXX. <P/>The original check dated XX/XX/XXXX, was stopped pay ( as it never arrived at XXXX XXXX ) with a guarantee it would be resent same day on XX/XX/XXXX and overnighted. By XXXX XXXX  on XX/XX/XXXX when the check still had not arrived.
<P/>I called Freedom Mortgage to get the XXXX tracking number. After being bounced around for an hour I was told there was no tracking number, the check had not been sent it was just cut as a result of my call and would be sent out in the am XX/XX/XXXX for overnight delivery. <P/>I called on XX/XX/XXXX and told that the checks from XX/XX/XXXX & XX/XX/XXXX were cancelled as the system rejected the checks due too many checks being written from the escrow account. The service agent said they would overwrite the system and issue a new check which would be sent on XX/XX/XXXX. <P/>I advised the service person that I needed the check sent on XX/XX/XXXX as I was currently not covered for XXXX XXXX XXXX and the insurance had now lapsed since XX/XX/XXXX due to their errors. I asked that they overwrite the system get upper management approval to issue and send the check same day. <P/>After an hour of being sent back and forth and waiting for a manager to take the call the service agent got on the line and said I could no longer tie her line up and hung up on me. <P/>I called in later and got a different agent who said he would get the check sent today and provide me with the XXXX tracking number. The agent called at XXXX XXXX and advised he could n't get the check sent and that he would guarantee it to be sent tomorrow am he would follow-up with a call to me with the XXXX tracking number if it could n't be sent he would guarantee they would wire it to my insurance company. He also guaranteed that my house would be covered if any damage occurred from the storm currently in the XXXX headed for the gulf coast. He said he would issue this guarantee in writing via email before he left this evening. <P/>I have no XXXX XXXX XXXX coverage and there is a storm in the XXXX. The minute that storm gets named if my insurance company has n't received the check, I will not be covered for said storm. <P/>I expressed this over and over to customer service Freedom Mortgage to no avail not only did they not care, they did nothing to push the check out tonight for immediate overnight to the insurance company.
I am a cosigner on a private loan for my nephew with navient. My nephew has a job and has made all payments on the loan. The amount is low enough for him to qualify without a cosigner and he has completed the process to remove me from the loan twice now with a confirmation message from navient. However ; I am still receiving reminder messages for payment due and change of their mailing address. When I call to inquire I am either put on hold or disconnected. On XXXX XXXX, I spent almost one hour with XXXX different staff and was never forwarded to a supervisor as requested. Instead I was placed on hold and was disconnected at XXXX without notice. On XXXX XXXX. I called back and spoke with XXXX ( XXXX ) who forwarded the call to XXXX ( XXXX ) a " supervisor '' who answered after 10 more minutes and than placed me on hold for XXXX more without any result. On XXXX XXXX I called at XXXX left a message for a call back. Received a call at XXXX and was placed on hold at XXXX. At XXXX I spoke with XXXX ( XXXX ) was placed on hold until XXXX when the call was disconnected. This is the most horrendous and inefficient " customer service '' I have ever known.