WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX I was planning a to XXXX and had received a promo from British Airways for a British Airways Visa card, I applied online and was immediately accepted by Chase Bank for a BA Card. I have never applied before with BA or Chase for this type of promotional Credit Card offering me XXXX travel miles for the first {$2500.00} charged and addition miles for charging addition amounts. 
On XXXX/XXXX/XXXX I received a letter from Chase stating the premium was denied because the promo was only available to new card holders who have not taken advantage of this offer within the past 2-years. Again, I have never applied for a promo like this before. 
I called Chase on XXXX/XXXX/XXXX and was told that numerous notifications like mine were sent out erroneously. i asked to speak to a supervisor, XXXX XXXX, she denied what the first call center employee had stated and said I needed to call BA to get my points, when I stated the card sent to me told me to call Chase she said she could n't hep lp me and I asked to be transferred BA. I remained on the line and was connected to XXXX in XXXX OH, after putting me on hold for 30min. she restated what the first person told me that the letter was sent in error and that my points would be transferred to BA. 

This appears to be a bait and switch by Chase to enroll card holders through travel rewards and then at a future date after all conditions were met to deny those promised promotions.
I.am file this compliant base these three factor : ( 1 ) excellent credit Rating. ( 2. ) execptional. ( ( XXXX. ) exceptional. ( 3 ) trustworthiness, and qualify to obtain I could not believe this is the position that my bank was taking. and me as a value customer. I was denial asamll business credit. my nwife apply for this same card on or XXXX XXXX and apply again XXXX/XXXX/XXXX and was still declined a card. the factor was excessive credit reporting agency inquire. I belief its a rigged system against small XXXX XXXX business who want to build there company with bank. now apply for the card in my name and I only have XXXX inquire on my credit reporting agency. so it appear that I have good credit but still was I belief these or the fact : as follow : I belief and feel here is unfair, treatment to be denial any XXXX credit who is trustworthiness. and have excellent credit rating. let be clear here I have relationship with these bank and I all way pay my bill on time over the amoun of the above payment that schedule. never missed any payment to first national bank. some XXXX need to review my credit history its very strong.my XXXX said that credit usage 23 % and well qualify and trustworthiness. and that is the base for issues credit to custom er I have on XXXX inquire on my file and XXXX is FNB.they pull my credit back on XXXX/XXXX/XXXX and granting the card. now they are denial me credit. it clear something is wrong with this picture because on or XXXX Reference Letter # XXXX XXXX XXXX Thank you for apply for the commercial credit card. we are unable to offer you credit on the terms that you requited because that offer has expired. please contact the financial institution you received your application from to re-apply. the question. would be is why? XXXX XXXX XXXX business have to fight so hard just to get credit and then they to me is although we were unable to fulfill your request at this time we think you for aplply. we are trying to build new south lease company credit with this bank, Reasons why I belief we should be grant credit. XXXX XXXX XXXX no excessive credit report agency inquire. XXXX. XXXX excellent credit. ( XXXX ). XXXX scores ' XXXX XXXX XXXX Never missed any payment all waymy bill on time make payment above credit payment all way pay down balance and for this bank to denial me credit. I am ask the bank to approve my request thank you. is this all because of my age why? make me understand we pay our bill on time
My husband passed away and  XXXX  times I have faxed and mailed to them the DEATH CERTIFICATE to remove my husbands name off of the loan. They have not done so, even thought they have promised many times.   I want his name to be removed. I am attaching the death certificate again to you in order for his name to be removed from the loan.
This is my second complaint regarding unauthorized inquiries on my credit report that I did not make. I have asked XXXX  and Transunion to investigate and delete the following unauthorized inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any others are okay and were authorized, Please delete the ones listed as unauthorized. I also have requested that XXXX   remove XXXX XXXX XXXX from my report. It was removed previously through XXXX  and Transunion because the debt was unable to be validated with a contract and signature. So XXXX  needs to follow suit under FCRA reporting laws.
I sent two validation letters by certified mail on XX/XX/XXXX and XX/XX/XXXX to Bay Area Receivables in XXXX, MD to receive proof that the debt of {$700.00} is actually mine. According to the FDCPA, I am entitled to request this information. I have received ZERO responses from the company and every month they are continuing to report this debt on my credit report.I am seeking legal action against them unless they remove this collection or send me some validation.
XXXX and common wealth continue to attempt to collect a debt that is not mine. I have requested they supply me with debt validation and they have failed to do so. XXXX continues to reassign the collection debt, knowing they are unable to validate the debt.
Experian is reporting a bankruptcy on my credit file. Ive written multiple letters demanding this unverified information removed. They claim this information came from XXXX. I have checked with XXXX and they do not have a bankruptcy on my file. I have also contacted the court and confirmed that information is not coming from them.
EQUIFAX fails to act in accordance with FCRA Section 609. EQUIFAX fails to provide " the source of this information. '' Equifax fails to provide copies of the documentation used to verify this tax lien. EQUIFAX continues to report this inaccurate information on my credit files which lowers my credit scores. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I worked wit h Franklin Credit to  arrange a payment plan to get back on track after experiencing financial hardship. On  XXXX / XXXX / 17  I submitted a down payment as requested and have yet to receive any documentation stating that they received they payment. Today (  XXXX / XXXX / 17  ) I called them to ask if they had received my wire transfer in the amount of {$1900.00} and I was told that I would not be receiving any documentation on the status of my loan unit the repayment plan was complete ( 24 months ), and they also would not verbally tell me if the original down payment was received. I tried to call an additional 3 times and either got hung up on, or was transferred to a managers voicemail that was non existent. I find this very hard to believe and I feel uncomfortable paying additional payments if they can not verify to me that they are receiving payments.
in XX/XX/2014, my family applied and was approved for a loan consolidation cash out, refinance with Chase bank, where all 4 mortgages have been for decades..This was on SFR worth then {$750000.00}, now $ XXXX amt was for {$410000.00} at 4.625 % with a sole borrower as acting trustee of a revocable trust requiring only 1 trustee signature. We were Required as a condition of closing to close all credit accounts so all unsecured debt Would be Paid off directly by Chase bank after closing and funding of loan. Loan officer And manager were made aware before ApplicationThat co-trustee was elderly and non-Compliant, combative and acting in bad faith With regards to Trust properties. She had never managed the estate and did not understand the need to maintain property condition and satisfy county condition requirements. Therefore All documents were submitted To show trustees and beneficiaries ' rights To conduct The Business and Encumber, sell mortgage etc. properties with only one signature. They had 3 trust members at closing, 2 more than necessary. The manager and loan officer pre Approved paperwork and understood Circumstances. At closing, Notary was present along with both beneficiaries and acting trustee. co-trustee wouldn't participate but tried to derail closing by screaming profanity while running in lobby in her pajamas. She also sent fake letters to the branch about co-trustee.All consolidated debts were trust debts as well as trust assets. No additional debt would be incurred and overall monthly payments would decrease by more than {$3000.00} with refinance and consolidation with reduced int rates.. Chase did not close because of her antics and as a result, mortgages went into default, all Credit payoffs were missed and our credit as a family destroyed.

Many accounts were over 40 years old and had no credit limits.

As a result of missed pay-off accounts all show defaulted, charged off, or creditors are suing for payment and we are unable to obtain any personal credit. were forced to get a bridge loan at 9 % int only for 2 years to make repairs, mortgages all show lates or were transferred to another servicer with fees and delinquencies. Our XXXX hit an all-time low of XXXX! Properties still in disrepair as we are unable to obtain financing to fund rehabs. 
Since then we have not been able to obtain a loan, refinance or settle with closed cards and chase has done nothing to assist and we just paid off old loans with hard money, we kept banking at same location anticipating a resolution. These loans were over 30 years old with chase and elderly owners ( XXXX & XXXX ). We can not recover from this failure to honor the trust document. Our insurance billed to the closed accounts and is lost as well.
I applied for a Capital One Credit Card online and received it w/ a {$3000.00}. limit. 
This was about XXXX. I wanted to take cash out and the ATM refused. I called and although I verified all the information, they xfered me to the Fraud Dept. because they think I am not who I say I am ( although I am and I have sent them the documents to prove it ). For awhile I was able to use it at stores as credit but then they restricted that. I kept going online to see when the first payment was due and all it said for the longest time was that the account was restricted. Finally it gave a due date of XXXX/XXXX/15 w/ a {$26.00}. minimum payment. I mailed {$50.00} at the end of XXXX but it never showed online. On XXXX XXXX I called and spoke to a man ( I think he said he was a detective but he is n't a very good XXXX ) and asked him why my payment was n't posted. He asked me the same questions over and over and I just wanted to know why my payment was n't posted. Well, he found the payment, posted it but he did n't backdate it and they charged me XXXX in interest and a {$25.00}. P/D fee. I have written them numerous letters and spoke to the Fraud Dept. several times but for some reason they think this is fraud and they have restricted the card and ruined my credit report. I have never denied the card is mine or the charges. I am making my payments on time. I have done everything to clear this.
I deposited a {$5000.00} check to my checking account on  XXXX   XXXX , 2017. I received an alert message that the funds are being withheld until   XX/XX/XXXX   because of insufficient. The check was written by a local roofer as a refund check. The roofer 's bank is local (  XXXX  ) to my area not even  XXXX  miles away from ant Wells Fargo in  XXXX , Alabama. In conversation with roofer and showing me that the {$5000.00} has been deducted from his account. My bank statement activity says it was posted to my account on  XXXX   XXXX , 2017, and no where on the statement says pending deposit. The money has been deducted but, but I still have to wait 10 - 14 days before Wells Fargo will release my funds. The representative I spoke when I called  XXXX  that the funds could be released if I had a balance of {$1000.00}. My ending balance is {$420.00}. That 's confusing because if their is insufficient funds in the roofer 's account, why would Wells Fargo release {$5000.00} with only {$1000.00}? What sense is that. I recorded my conversation if verification is needed. The {$5000.00} is insurance money that was refunded because the roofer and I decided I would buy my own material for a complete roof installation. Wells Fargo  XXXX  branch is intentionally holding my funds in my opinion because I filed a complaint concerning a   XXXX    male worker lied to me concerning getting documents notarized. If the funds have been debited from the roofer 's   XXXX   XXXX   account, why I do n't have access to the {$5000.00}. The roofer 's will start the job tomorrow,  XX/XX/XXXX  with a completion date of  XX/XX/XXXX .
In XX/XX/XXXX I received a letter stating that I would have to recertify my income for an income based repayment plan. The letter stated that I would receive another letter in 2 months with instructions on how to do this.

Cut to XX/XX/XXXX my bank notified me of a payment taken from my account of approximately 8 times my previous payment. I checked online and saw that my IBR had been cancelled and approximately 16,000 in interest had been capitalized.

I called for an explanation. The first representative told my that my recertification had been denied. He sent me to another representative who told me that I never recertified. She said they could fix the payment amount after a few months but that there was nothing that would be done about the interest capitalization.
This company, Portfolio Recovery, called my place of employment, today XX/XX/XXXX, at approx XXXX XXXX   central time, and as I repeatedly tried to get off the phone he kept talking. My employer does NOT accept calls like this, and will never. I am VERY upset. I have sent them a letter to only contact me via USPS, in XX/XX/XXXX, and they have increased their calls. It is HARASSMENT!
I am in the process of my fourth and final year of my   XXXX   XXXX   obligation ( I literally would be done with   XXXX   XXXX   XXXX  on   XX/XX/XXXX  ), but as of  XX/XX/XXXX ,   my grant (  XXXX  ) was turned into a loan ( with an interest aroun d 7,000 ) due  to not turning my paperwork in on time. The reason I did not turn the form in was because last year I had an awful time with it. I sent it in 4 times before they approved it because they kept saying that I could not put a future date ( I kept putting that I finish in   XX/XX/XXXX  even though they want the form in  XX/XX/XXXX  ) s  o  this year, I decided to wait until the year was finished to turn in my paperwork because I thought the due date of the form was a mistake on their (  Fedloan 's ) part. I have attached the form and on page 2 y ou can see where they ask for the to and from dates.   To be honest, I 'm devastated, because this grant has basically determined my whole pas t 5-6 years. I added   XXXX   XXXX   to my degree to receive the  grant, I moved to certain locations to work at a  XXXX  that is   XXXX   XXXX   XXXX  accepted and I only took on positions that aligned with the requirements of the   XXXX   XXXX   XXXX  only to lose everything I worked for over a form. When I called to try to work this out, they brushed me off as if this was no big deal and acted like I had no options and that this was a done deal.   I guess I am e-mailing you just to see what you think my next step should be or if you know of any contacts at the federal level that could help me with this.
Original credit card account was opened in XX/XX/XXXX. Last payment on the credit card was made in XX/XX/XXXX. In XX/XX/XXXX, I received notice that they were going to put my house on the sale list to pay off the debt. After working with an attorney we resolved the issue and they took it off the sale list. In XX/XX/XXXX, I went to mediation and met with representative from the collection company and provided all information requested. Since that time we have heard nothing in regard to the debt. On XXXX XXXX, after logging into our online banking saw our XXXX banking accounts were all negative XXXX. We called XXXX XXXX XXXX to resolve the issue and was notified that our accounts were put on hold because they were now to be garnished by the state of texas. No documentation was provided by the debt collector since XX/XX/XXXX. They explained that they tried contacting us in XX/XX/XXXX to an address that we had n't lived at for 2-3 years. No phone calls were made and no other certified mail had been sent. Address changes were made each time we moved. He explained that was n't his problem to keep current information, although he had my current phone number and mailing address on file. We are now without any money and XXXX kids in our home. XXXX and other money is all gone. There are no judgments or liens outstanding on us.
I am writing this letter in regards to a money transfer problem I am having with PayPal. 
On XXXX XXXX 2016, using PayPal 's money transfer service, I authorized a money transfer between my bank account and my son 's PayPal account in the sum of {$3000.00}. Five dollars was PayPal 's fee for the transfer, {$3000.00}, for my son. As cited on my bank statement, the withdrawal from my account, as an electronic check, happened the same day of the authorized transfer, XXXX XXXX. PayPal 's website claims that the money would be available six days from the authorized transfer, on XXXX XXXX. The day came and went, no transfer, the money is still pending on my PayPal account as of XXXX XXXX, 2016. 
I have tried a stop check and filed a claim with my bank against PayPal ; the bank said that because the withdrawal was in the form of an echeck ( can not be traced ) and it was authorized by me, that there is nothing the bank can do for me ( after 10 days and a fee ). We tried a XXXX phone conversation, me, my bank, and PayPal with no resolution, PayPal 's customer service representative misread my information and told us the money had been transferred to my son 's account, when I checked later by computer, it had n't. On my PayPal account site for some reason, above the transaction it reads 'pending ' but under my son 's name, it reads 'money sent ', yet nothing 's been sent. I called XXXX local lawyer offices looking for advice, XXXX told me to write our state XXXX and file a complaint with the Consumer Financial Protection Bureau, the other office suggested I try to call the XXXX that processes the echecks. 
I have called PayPal 9 times since XXXX XXXX and no customer service representative can assist me with this problem, nor can they give me a real reason why the transfer has not happened. I was to get an email about the problem, yet never did. All the customer service representatives tell me they can not give a time frame for when the transfer will occur. XXXX representative told me that it was my bank holding the money ( not ) ; XXXX others said that ACH the business that processes the electronic checks, lost the link to my check, there was to be an IT technician on the problem soon, still no time frame. I asked PayPal if I could call XXXX, they said no. I called the company that writes the rules for XXXX, XXXX XXXX XXXX XXXX XXXX, and asked them if PayPal or XXXX could have lost the link to my check, they said it was not possible. So, I am at a loss as to how to get this money either back into my account, which would be my number XXXX resolution, or into my son 's PayPal account, where it should have gone in the first place. 
Any advice, information, or assistance will be greatly appreciated!
Respected Sir/Madam, I AM requesting to help Me in the situation of My mortgage. 
The mortgage is on My primary home which provides shelter to 6 people including My two old parents. 
I have been XXXX XXXX  costumer for years, On XX/XX/XXXX i got a letter from XXXX XXXX XXXX., in mail that my mortgage is being trasferred to a XXXX XXXX XXXX XXXX XXXX, with a wrong principal balance.so i thought it was a scam. 
I was really surprised as XXXX XXXX had never notified Me, I called XXXX and the REPSENTATIVE HAD NO CLUE WHAT I WAS TALKING. AS SHE COULD NOT FIND ANYTHING.SO I ASKED TO SPEAK TO A SUPERVISOR AFTER SEARCHING FOR LONG HE WAS ABLE TO TELL ME YES MY MORTGAGE WAS TRANSFERRED, UPON ASKING WHY WAS NOT NOTIFIED HE SAID WE ARE GOING TO SEND LETTER THE OTHER MORTGAGE COMPANY RUSHED TO SEND IT. I INQUIRED ABOUT MY MORTGAGE NUMBER WITH NEW COMPANY AND THEIR PHONE NUMBER HE GAVE ME THE INFO. WHEN I CALLED THAT NUMBER THEY SAID THEY HAD NO INFO ABOUT THIS MORTGAGE. 
THEN I RECEIVED ANOTHER LETTER DATED XX/XX/XXXX BY THE NEW MORTGAGE COMPANY STATING THAT THE PREVIOUS NOTIFICATION MAILED HAD WRONG BALANCE INFO.IT ALSO STATED .THE ASSIGNMENT SALE OR TRANSFER OF YOUR MORTGAGE LOAN DOES NOT EFFECT ANY TERM OR CONDITION OF YOUR MORTGAGE. 
ON XX/XX/XXXX I GOT LETTER FROM XXXX ABOUT THE TRANSFER OF THE SERVING OF MORTGAGE, IN BETWEEN EVERY TIME I CALLED SELECT PORTFOLIO COMPANT THEY SAID THEY HAVE NO INFO ON MY MORTGAGE AS TRANSFER IS NOT DONE 100 PERCENT, I WAS ALSO BEEN TOLD THAT I WILL RECEIVE A PACAKGE ABOUT MY MORTGAGE PAPER WORK WHICH I HAVE NOT RECEIVED IN TODAYS DATE. 

oN XX/XX/XXXX FINALLY I WAS ABLE TO LOG IN THE SYSTEM AND CREATE AN ACCOUNT WITH NEW MORTGAGE COMPANY, UPON REVEIWING I SAW MY AMORTIZATION SCHDUELE DATE WAS WRONG FROM WHAT XXXX ACCORDING TO XXXX I SHOULD BE DONE IN XX/XX/XXXX .AND THEY ARE SHOWING AS MY DATE AS XX/XX/XXXX. SO I CALLED AGAIN, THE LADY SAID SHE CAN NOT DO ANYTHING I NEED TO SEND PAPER WORK TO THEIR FLORIDA OFFICE. ALSO THAT THEY CAN NOT DO BIWEEKLY LIKE XXXX XXXX. WHERE IT CLEARLY STATED THAT MY TERMS WILL NOT CHANGE FROM MY OLD MORTGAGE. 
I REALLY NEED HELP, IF POSSIBLE IF I CAN GET IN TO HARP AND MAKE MY TERM SHORTER I HAVE NEVER BEEN LATE IN MY PAYMENT. I AM XXXX YEARS OLD I CAN NOT CARRY MY MORTGAGE FOR SO LONG I WOULD LIKE TO PAYOFF MY HOME SOON. PLEASE HELP ME. 
THANKYOU. 
XXXX XXXX