WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a money order from XXXX on XX/XX/XXXX, 1 for {$650.00} and another for XXXX. I decided to not use the money orders and wanted the cash back I asked XXXX could I return them and was told I can't return them, I contacted a check cashing place and asked could I cash them there and I was told no, I have to deposit them in my account. I deposited the money orders in my account on XX/XX/XXXX. Bank of America claims that they couldn't read the {$650.00} money order and that XXXX XXXX wouldn't release the funds on the money order so they are returning it to me and recommended that I get it reissued from XXXX. XXXX said they can't reissue it. The XXXX money order they are holding until XX/XX/XXXX and could possibly decide to return that as well. If you can't get the funds from XXXX XXXX for XXXX how can you get the funds for the XXXX money order. It is just a lie, I contacted XXXX XXXX and they said that they have the funds and it is available to release to the bank. However they can't wire transfer it me directly. They wire money all over the world but can't send me my money. I paid cash for the money orders and I have my receipt. XXXX XXXXXXXX said they could cancel the money orders and charge me a fee, another fee to reissue a check, and another fee to mail it to me or overnight it. I told Bank of America I better not charge me any fees because of this. I wake up this morning to a returned item fee, I called them and demanded a refund, the rep I spoke to asked me, " Are you experiencing a life change that would prevent the funds from being available. '' what in the world does that have to do with my fee? She ultimately said she couldn't return the fee. What happened to customer service and helping the customer? XXXX XXXX asks me did I white out, scratch or damaged the information on the money order, I said absolutely not. So now I am being accused of fraud and manipulation. How can this be possible? How did I become the criminal here, if anything I am the victim of lies and being mistreated as a paying customer by using all of these businesses for a service. This situation is a complete nightmare. I have been nothing but stressed out mentally, physically and financially from this ordeal and I see no sign of a resolution from any of these companies. I can't just take a XXXX loss.
I am writing in regards to Capital One Platinum credit card. I received an offer for a new Platinum credit card in the mail about a year ago. It had a XXXX percent balance transfer offer. I calculated the amount I would need to pay in order for me to pay off the balance completely by the time the introductory rate would begin. I began making $ 500 monthly payments to the Capital One account on a monthly basis. I was told when I opened the card that I was allowed to pay the balance in advance with no penalty. After paying the XXXX monthly payment to Capital One for about 6 months, and never hearing from them via phone, email, or mail, I logged on to my account to see what was left of the balance. To my surprise I was billed a late fee for numerous months. Having made {$500.00} payments for approximately 6 months I should have been paid through the end of the year. After calling Capital One I was informed that they do not allow consumers to make payments in advance. 

How is it legal for Capital One to not allow me to pay in advance. I pay my car loan payment 3 months and I pay all of my other credit cards 1-2 months in advance. I have never had in institution tell me that they do not accept payments in advance and regardless of timing if they do not receive a payment by each months due date, even if that amount has already been paid in advance, that they will bill me a late fee. If they have received the funds and I am paying as agreed how can I be assessed late fees on monies already received by Capital One. How can this be legal?
I submitted an application to XXXX who is my current loan provider for my student loans. The application was for public loan forgiveness so XXXX fowarded the application to Fed Loans Servicing in XXXX XXXX. In XXXX XXXX, I received a letter from Fed Loans that my application was in review. I also called Fed Loans twice both in XXXX and XXXX. I was told that my application was being reviewed and I would hear from them and I have not. I am a full time XXXX with direct loans so I qualify for the program. My employer filled out the paperwork.
Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX. Services were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX was to have filed a claim on my behalf in accordance with XXXX procedures. I checked with MEDICARE and was informed that they show no records of any claims in the amount of {$850.00}. A duplicate bill in the amount of {$850.00} along with XXXX form was sent to XXXX. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others.
I requested a loan modification from Green Tree XXXX GT ), which was processed in 2014. As a result, my interest was lowered, which helped a lot. But for some reason, GT increased my principle on XXXX XXXX, 2014 by XXXX amounts, {$8900.00} and {$1800.00}, a total of {$10000.00} XXXX Attachment XXXX ). I requested an explanation and GT sent some accounting statement which did not make sense to either myself or my modification officer. After numerous calls, GT is not giving any good explanation to those amounts. XXXX explanation I heard was my unpaid mortgage ( I believe I missed three months of {$1600.00} and the other three months were trial payments ( Attachment XXXX ( a, b, c, d ) ). This explanation does not make sense : a ) the amount unpaid is less than half the amount which was added to the principle ; b XXXX part of any mortgage payment is to payoff the principle, why would that also be added to the principle ( instead of reducing it ) ; c XXXX is it even legal to do so? I also had no lapse in property insurance coverage ( Attachment XXXX ).
Barclay bank cancelled all my accounts w/ no reasoning. Now they have messed up my credit report. Now I am unable to get approved for other credit cards because on my credit report, I have entries that state " cancelled by grantor. '' This is not right because I did nothing wrong with them. I paid all my bills on time. They should have at least given me time to close the account myself so that it does n't negatively affect my credit. 

This feels arbitrary and discriminatory. There was no rhyme or reason given.
I received multiple alerts on XXXX XXXX, 2016, from XXXX and XXXX other services I subscribe to, that a fraudulent application was made to Synchrony Bank, matching my name and social security number. I phoned Synchrony XXXX at XXXX US EST on XXXX XXXX, 2016, and was told by XXXX XXXX that they would mail me a letter for me to sign, to have the fraudulent inquiry removed from my XXXX XXXX credit report. XXXX also told me the following week, that they had requested a letter be mailed to me. As it is almost XXXX month later today, on XXXX XXXX, and I have received no letter, I phoned Synchrony again. The representative in the fraud department amazingly asked me whether I had applied for credit in early XXXX. I told her all of the above, and demanded a letter be sent to me via XXXX. She connected me to her manager, who FLATLY REFUSED TO HELP ME. XXXX, ID Number XXXX, stated to me at XXXX US EST today, XXXX XXXX, that it takes up to 30 days to receive a letter. He refused to send me a letter immediately. This fraudulent inquiry is lowering my credit score, and I am being harmed by the negligence of Synchrony.
I 'm filing a formal complaint against ALL XXXX credit bureaus. I have been disputing this account since last year. According to the credit bureau it 's coming back verified which is not true. This account is not and never was mine. This company till this day has not been able to verify anything. I have never received paperwork or anything to verify this account. Per FCRA laws, if a company can not properly verify an account and provide paperwork as such. It is to be removed immediately. They have nothing to provide because they have nothing. It is against the law to add or report debt to a person if the account does not belong to them. This company was only able to obtain my email and number due to a BBB complaint. Even after that, they still could not provide me documentation of any kind, not even a address, call log, payment history, NOTHING. This is against the law and this account is still being reported as such debt that do not belong to me. I have hired an attorney to prepare paperwork and pursue legal action to these credit bureaus for the improper verification of an account that do not belong to me. I 'm beginning to thing the credit bureaus is working with some of these companies. XXXX is not providing NOTHING not even a certified mail. FCRA laws have been broken. I will continue to pursue until this is gone. This is my credit and I will have it corrected. This is my credit worthiness that affects my life. I am also filimg a formal complaint with the state. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT
Had a credit card with Citibank XX/XX/2013. Citibank sent my account to collections agency and while still allowing me to make payments on the card. Never sent updated payment information over to the collections and reported I owed late fees and high interest rates. I obtained bank statements provided by Citibank to the collections agency that do not my payments and never received refund of my payments. Contacted Citibank and a representative was unable to assist. Citibank bank unnecessarily closed my accounts, failed to report my payments, and reported unnecessary fees.
We have a credit card with Synchrony Bank ( a GAP credit card ) that we pay automatically, through their system, directly debited from our bank account on the due date. This past month, Synchrony received payment on XX/XX/XXXX at which time the funds were deducted from our account. But, even though Synchrony had our funds in their possession on XX/XX/XXXX, they 'put a hold ' on our payment as a 'random fraud protection ' measure, giving us no credit for the payment they received, effectively reducing our available credit to XXXX. This resulted in charges we made after XX/XX/XXXX being declined - and of course we were never notified of the declined charges or of Synchrony 's actions. Now, the seven days of their 'random hold ' are up, and we still are showing no credit availability, even though they have had our funds for seven days. We have never experienced anything like this from other credit cards in our 30 years of credit card experience. Is there something that can be done?
Navient fails to properly send me emails about my loans and informs me about repayment options and deadlines. Even when a process of repayment get thru, they cancel it a few months later, without notice and notified me, then come back with an higher payment with underlining treats to report me to credit bureau or garnishing entities. They do send emails to mandate me to pay but no email informing me of my rights under the federal law.
Mr. Copper is engaging in dual tracking and not in compliance with Loss Mitigation Procedures. Federal Law Restricts Dual Tracking. I have appealed the denial within the required 30-day time frame. Mr. Copper received the Appeal Letter but has not responded to my appeal letter dated XX/XX/XXXX, Therefore, I have not exhausted the appeal process. I also fully submitted documents again for mortgage assistance. Mr. Copper has not stopped the foreclosure sale scheduled for XX/XX/XXXX. The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. The servicer can't start the foreclosure process if a borrower submits a complete loss mitigation application and the application is pending. This means that if you submit all of the required paperwork, the foreclosure can't start until the servicer informs you that you're not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout but fail to comply with the terms of the deal ( like not making payments during a trial modification ). 12 C.F.R. 1024.41 governs a servicer 's response to a loss mitigation application. 12 C.F.R.1024.41 ( c ) ( 3 ) ( I ) ( D ) ( 2 ) provides that where a borrower makes application and a judicial foreclosure has already been commenced, " the servicer can not conduct a foreclosure sale before evaluating the borrower 's complete application. '' Further, 12 C.F.R.1024.41 ( g ) prohibits a servicer from either holding a foreclosure sale or moving for a sale if a borrower makes a loan mitigation application within certain time constraints.
A lot of banks was tried to be open on my behalf that I didnt try or authorize at all and now Im trying to get a bank but I cant please help me
I enrolled in automatic payments with Navient in XXXX, XXXX however, on XXXX XXXX, XXXX, I received a notice indicating that I was delinquent 2 months worth of payments and that Navient had debited my account ( via the automatic payments!! ) last month and will be debiting my account this month for the past due balance with LATE FEES! I was not refunded late fees after calling Navient and instead they tried telling me that because two different departments set up the automatic payments, one conflicted with the other. 
I also requested a change in my due date back in XXXX, XXXX and again in XXXX and Navient still continues to debit my account AUTOMATICALLY by the first of every month.
I received a letter in regards to debt I do n't owe and was already sold to another collection agency that was already removed from my credit. And this company does n't even have my name spelled correctly.
For the second time chase bank rearranged my purchases that cause my account to be charged overdraft fees 3 times. I was maybe expecting one but they moved charges from Friday, Saturday and Sunday around. These were not charged as credit. This is the XXXX time this has happened and every time I call they do n't see this.
I purchase a XXXX TV in XX/XX/2016 with chase sapphire reserve. Chase Sapphire reserve has a purchase protection plan which covers Eligible personal property that has been damaged, stolen, or involuntary and accidental parting with property within 120 days from the date of purchase. 

We found the problem with TV about XX/XX/XXXX. We chatted with XXXX and they asked us to ship the TV to their shop. For the cost and inconvenience, we decide to use purchase protection. We called chase and was referred to the one of department. The department asked us to ask a repair shop to estimate the cost of repair. I asked a shop to come by to do the investigation. After checking, they stated 'Can not find the part in XXXX ' and charged me about {$160.00} for investigation. I submitted the report to chase. They reimbursed {$160.00}. I did not get the payment so I called back and was told my case was closed. It looks like they messed up the investigation cost and repair cost but refused to admit their mistake. I chatted with some people in Chase but they still refused to reopen the case and said I should use my own warranty and it is not covered by purchase protection. 

I can not understand, if it is not covered by purchase protection, 1. Why they asked me to do estimation from repair shop 2. Why they would reimburse the investigation cost I opened a case with XXXX but no luck. I happened to know CFPB so I opened a new case and hopefully it will help.
On XX/XX/XXXX I was informed by Chase bank that I had transactions out of state for an unusual amount. I noticed someone had purchased more than {$1500.00} in Florida, which I have proven I wasn't in and an ATM withdrawal. The gentleman who spoke with me told me that my account would be locked and a new debit card would be sent to me. The following morning I followed up with Chase and I was told my claim was never filed. 

After time for Chase to review my claim that I disputed the charges, I received a letter from them telling me they found the charges to be valid and they would remain on my account. I immediately called Chase and asked them what I would need to prove I did not make these charges. 

I was told any supporting documents could help. So I had my employer sign a letter affirming I was in Arizona never Florida. Also my bank statement proving I was in Arizona. 

Just today the XXXX I received another letter from Chase denying my claim. I spoke with XXXX in the claims department, he informed me that the bank found evidence that my PIN was used in Florida. I told Chase from the start that I never share my PIN with anyone and my card was in my possession the entire time. 

I have been robbed of more than {$1500.00}. I am unable to keep living paycheck to paycheck. I know my card information was stolen and Chase still insists I am responsible. I expect a refund of the money stolen from me as soon as possible. I will fight this forever if I have to, I know Chase is wrong, I am the victim of fraud and I want this matter resolved asap.
I understand the XXXX leading credit reporting companies are not to hold information after 7 years closed accounts or in 7 years of age since first reported to them. All mine are of the above, 7 years and more in terms of time lapsed since these were reported, and they are still listed against me, making renewed credit standing impossible to acheive, or a decent score.
The company is reporting an inaccurately low credit score for how I am keeping my accounts and will not adjust it. I am getting penalized for using my credit, while others are rewarded for spending money with high vehicle and mortgage payments. This inaccurately low score is affecting my financial and other reputation unfairly.
There are a couple of things I am complaining about Capital One Bank USA. Please see attached screenshot of my credit reports from the three major credit repositories. Highlighted are pieces of incorrect and inaccurate information resulted from this company 's negligence and none compliance with the Fair Credit Reporting Acting, causing me financially and at some point, stealing my right to acquire loans or acquire loans at a much affordable rate. The following are this company 's violations : 1. On XXXX or XXXX XXXX, I paid off this account, bringing the balance down to {$12.00}. Upon downloading my credit reports last XXXX XXXX and today, XXXX XXXX, I found out that this company is reporting me with a balance of {$1800.00}. This tells my future creditors that I am ineligible for a loan or I could get a loan at a ridiculously high rate! This account ref # XXXX shows incorrect balance which cost and is costing me financially. Also, by reporting this incorrect information, they are sending me my creditors a message ... that I owe them {$1800.00}. 
2. On that note, this company also is reporting me past due for {$320.00}. I 've got and been getting the same results/response from other creditors that I am not qualified for a loan because of this. I do not owe them this amount. 
3. They are reporting incorrect last payment date. On my credit report, they are saying that the last I paid them was last XXXX XXXX, The last time they updated the item was " XXXX XXXX, XXXX ''. Clearly, this is a proof that FCRA has been violated. 
4. Due to the incorrect balance reported, my credit has been ruined! On my credit report, it shows am about 185 % of my usage for this account.

5. The account opened date and closing date is incorrect and is not the same with the other bureaus. This is another violation of FCRA. 

Also attached to this complaint is a copy of the SC-100 form I filled up and ready to file if this item will not be removed from my credit report.
It is amazing when you find out about a debt, a collection agent was to try and destroy your credit, and the integrity of the law. It has been reported to the credit bureaus by Collection Agency : Credit System International , Inc., XXXX XXXX XXXX, XXXX, TX XXXX of a debt owed of {$70.00} which I have no recollection of. In taking in test that was authorized by my doctor have been paid. This company called XXXX XXXX XXXX XXXX XXXX  is an establishment I'm unfamiliar with. Never took any test at this location. When it comes federal laws, they are written to protect consumers from unlawful business practices from agencies such as. I was not given sufficient time during the dispute process to get as much information regarding a medical debt. I never received anything about services rendered from this establishment, and not anything from Credit System International , Inc. By law a consumer has up to 90 days at the time collection agency makes contact regarding an outstanding debt, before any reporting to the credit bureaus negatively. Federal Credit Reporting Act under The Federal Commission, section 623. CSI reported negatively to the credit bureaus while this matter was in dispute. The have violated my rights under the FDCPA and FCRA. I value my credit, and anything negatively reported should be removed. Please assist in this matter. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
This has already been paid off they took it out of a CD I had and paid my credit card with it so I don't owe any balance for his and the USAA rep told me to dispute it so it can get taken off. 



Alert Date XX/XX/2017 Source XXXX Company USAA SAVINGS BANK Payment Status Over or At Credit Limit Status Date XX/XX/2017 Balance {$280.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, TX XXXX Not sure what this is? Contact XXXX
Inability to resolve online account access issue. 
I have an online account with nationstar. My login ( username and password works ) but the system provides an error message -- -- HMM ... 
Keyp Your account ca n't be accessed through the Nationstar website at this time. 
Please give us a call at XXXX to discuss your account status. We 'll be glad to help. 

Importantly this message is different than the bad password error message. 

Representatives have worked to reset my password a number of times even so ( they only have a certain script I 've learned from calling in repeatedly ). Even after a password reset the system does n't work. Ironically, when I provide the reps my password they too can not login ( login is OK, it does n't give username or password incorrect message, but gets a bit further and provides the the above error message after logging in ). 

I 've worked this issue more aggressively since XXXX without success ( at least XXXX calls now ). I 've asked that my account be deleted so I can re-create it - so far without success. 

Despite the inability of nationstar to provide online access, in telephone and written messaging I 'm constantly encouraged to use the online system.