WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, I upgraded my Chase Sapphire Preferred card to Chase Sapphire Reserve card. 

One of their big advertising benefits was that you get an annual {$300.00} travel credit to use on most travel purchases every annual calendar year. 

As soon as I receive the card I spent {$300.00} booking flights for my family. The purchases were made XX/XX/XXXX. I received the {$300.00} travel credit to my account even before my first statement closing date. 

I received the first statement on XX/XX/XXXX. 

I emailed Chase customer service to verify that I did all the {$300.00} annual spending properly for XX/XX/XXXX and to confirm that any spending I did during XX/XX/XXXX calendar year will go towards the XX/XX/XXXX {$300.00} credit. 

They replied that was correct that any spending I did after XX/XX/XXXX would count towards the XX/XX/XXXX {$300.00} credit. 

On XX/XX/XXXX, I made more travel purchases that was over {$700.00} and was expecting {$300.00} of the annual credit back from the Chase Sapphire Reserve card. 

However, the credits never came. 

I emailed Chase again and they reconfirmed that any travel spending after XX/XX/XXXX will count for the XX/XX/XXXX {$300.00}. 

When I called for the {$300.00} credit for the XX/XX/XXXX purchase, I was told by phone customer service agent that I had already spent my XX/XX/XXXX {$300.00} credit. 

He told me that the spending I did XX/XX/XXXX counted as the XX/XX/XXXX credit because my Chase Sapphire PREFERRED card statement closed on XX/XX/XXXX and anything after that was counted as XX/XX/XXXX. 

I told the rep that there must be some kind of mistake because I did not have a Chase Sapphire RESERVE card until XX/XX/XXXX and I did not receive my first statement for the RESERVE card until XX/XX/XXXX. The XX/XX/XXXX statement was for the PREFERRED card, therefore, it should be irrelevant. 

I then spoke to the supervisor who said that there was nothing she could do because their system counts XX/XX/XXXX purchase as XX/XX/XXXX. 

As a long time customer of Chase, I was extremely disappointed by their lack of assistance. Even their terms and conditions state that the {$300.00} annual credit is good till the first statement XX/XX/XXXX, which technically was XX/XX/XXXX and not XX/XX/XXXX as they claim. I also have MULTIPLE email correspondence from other Chase customer service agents saying that any spending I do after XX/XX/XXXX would count towards the XX/XX/XXXX {$300.00} credit. 
I would like Chase to honor their terms and conditions, and the promises made by their email customer service agents, by crediting me the {$300.00} XXXX credit to my account.
The BOA on-line site has the correct principal balance of {$470000.00} for my account ( see attachment 11. BOA On-line STMT ), but the BOA mail/paper statement is has an incorrect principal balance amount that overstates my account about {$100000.00} ( see attachment 12. BOA Paper STMT ). This account was subject to litigation with BOA from XX/XX/XXXXtoXX/XX/XXXX. During litigation the account was transferred to XXXX XXXX. When a final court order was issued in XX/XX/XXXX BOA stated they could not address the mortgage relief terms of the court order and I would have to address this with XXXX  I followed-up with XXXX On XX/XX/XXXXduring a phone call, XXXX informed me they would " follow the court order to a T ''. They subsequently adjusted my account ( see attachment 1. CFPB ComplaintXX/XX/XXXX, pages 9 and 10 ) and responded to my CFPB complaint with a formal letter. I requested XXXX send me a pay-off statement. On XX/XX/XXXXI responded back to the CFPB that the adjustments did n't follow the court order to a T and I requested a pay-off statement but had not yet received one. The court order would put the principal balance at or below {$430000.00} ( see attachment 13. Court Order, page 19 ) and XXXX was showing a balance of {$490000.00} ( see 3. XXXXXX/XX/XXXX ). However, the following day I received a mailed letter from XXXX dated XX/XX/XXXXshowing an account balance of {$490000.00}. While this balance still did not follow the court order to a T and the account still had an interest element which was forgiven in the court order, I was tired of dealing with this account and decided not to pursue the matter further and therefore accept the {$490000.00} loan balance. Subsequent confirmation of this new balance includedXX/XX/XXXX on-line confirmation of a {$490000.00} balance ( see attachment 4. XXXX XX/XX/XXXX Screenshot ), my credit report updating on XX/XX/XXXX with XXXX to {$490000.00}, updating with XXXX on XX/XX/XXXX, and finally updating with XXXX on XX/XX/XXXX( see attachment 5. Credit Reports, page 4 ). Also, in XX/XX/XXXX XXXX began sending paper mailed statements reflecting the new balance ( see attachment 7. XXXX  Paper STMS ) and I received a XX/XX/XXXX Form XXXX showing aXX/XX/XXXX principal balance of {$480000.00} ( see attachment 6. XXXXXX/XX/XXXX Tax ). I also included XXXX on-line loan details ( see attachment 8. XXXX Loan Detail ) and ( 9. XXXX Payment History ) and ( 10. XXXX Payment History 2 ). All of these documents put the principal balance at or below {$490000.00}. In XX/XX/XXXX my account was again transferred back to BOA. The on-line BOA account reflects the correct account balance of {$470000.00} ( see attachment 11. BOA On-line STMT ), but the mailed paper statements are incorrect ( see attachment 12. BOA Paper STMT ). I have contacted BOA and was assured this would be corrected but this has not yet occurred. I am listing this home for sale and need confirmation that the paper statement has been corrected to match the on-line account balance of {$470000.00}. In addition, a formal pay-off statement reflecting the accurate {$470000.00} balance is requested.
Mailed Check to XXXX paid for USPS tracking XX/XX/18 Payment mail to correct address. They received payment XX/XX/18 Checked my XXXX Visa on XX/XX/18 no payment! 
Called got a big run around. Checked every other day online & phone calls. Nothing Workers not helpful. 
Call my escrow company they email me a copy of the check-also the check did clear!! 
Email them copies of cleared check front & back on XX/XX/18 ( copy enclosed ) Please review letter dated XX/XX/18 Gave them information needed front the start. 
Now this letter is stating that finish the investigation!! 
What did they investigate? 
You will see from the start I gave them copies of front & back of check. 
Also the escrow have record. 
What up.
Around Spring of XXXX I was underemployed and fell behind on my two Citi credit card accounts. I called Citi to figure out a payment arrangement ( according to their records, on XX/XX/XXXX ). The arrangement was to make the accounts inactive, consolidate them, and for me to pay $ XXXX/month toward the outstanding balance until the bill was paid off, which was to be automatically deducted from my primary checking account. Every month, I have {$50.00} deducted from my checking account to pay towards what I assumed was our payment agreement. For over two years, I have been under the assumption that I was paying toward the total as agreed. 

In XX/XX/XXXX, I received a court summons from a debt collector called XXXX XXXX, XXXX, who claims to have ultimately bought the debt of one of my credit accounts from Citi in XX/XX/XXXX. The outstanding balance on the account was listed as the same amount as the final statement I received from Citi in XX/XX/XXXX, which was {$2900.00}. According to the summons, Citi charged off the account on XX/XX/XXXX ; 11 days after I made my payment arrangement with Citi. 

In XX/XX/XXXX, I called Citi to talk to a representative about this situation. After getting passed around through a half dozen agents, someone was finally able to locate my apparently defunct account information. The agent confirmed that I spoke with a representative on XX/XX/XXXX, and created my payment arrangement of {$50.00} per month towards my outstanding balance. The agent then said that the account was sold to XXXX in XX/XX/XXXX, but gave no reason as to why or how. When I pressed that this was all clearly done in error, the agent seemed to agree that it was a mistake, but was adamant that it was no longer Citi 's problem anymore, and that I needed to contact XXXX to work out payment with them. I had the agent send me the statements of the defunct account in question. 

After receiving the statements, the most recent statement reads that the minimum payment due is {$50.00}, is due on XX/XX/XXXX, and that I am in a payment program. All of which confirms what I am saying, and that this was done in error. 

In short, I am being sued by a debt collector, Unifund, due to an error made by Citi regarding my account that was in a payment program that I have been paying toward. Citi, or at least the agents that I have spoken to, seem entirely uninterested in helping alleviate their mistake. 

Side note : After 'answering ' the initial summons, the plaintiff, XXXX, has made a list of requests that I find would be next to impossible for any normal person to fulfill given any amount of time, much less than 30 day time period in which they dictate a response.
I applied for the secure Capital One credit card got approved and made the required down payment. The card arrived and tried to activate online but got error this could not be processed and would need to call to activate. I was then told account was flag for fraud to my surprised, as seem crazy for someone stealing my identity to apply for a secure card and pay with their own money from their bank account the down payment required to open the account. I was then told needed to send in my driver 's license thru a secure email link as proof showing the address I applied with and I did. I contacted them back a week later as did not hear back with confirmation card was activated. Now being told I need to also send in my SSN, bank statement and a utility bill as well. Capital One claims this is to prevent fraud but yet asking customers to provide all their personal information that someone can now decide to use and in fact steal my identity. I find this ironic and refuse the provide them anymore documents especially my bank statement which shows my full account number. I 've already provided my driver 's license and SSN which is too much information already. At this time I rather the account be cancelled and refund my down payment back to my bank account. I will put an alert on my credit report as well to make sure my identity is not compromised seeing as how a copy of my license and SSN is now in the hands of some unknown person or persons at Capital One. Where is my guarantee my information provide has not been compromised.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX    XXXX XXXX XXXX XXXX.XXXX. XXXX   XXXX XXXX, XXXX XXXX Thursday, XX/XX/2018 Dear Sir or Madam : The same debt is being reported on my credit file twice. The account numbers are different, but the amount and the original debt is the from the same company : XXXX XXXX XXXX {$690.00}, acct # XXXX XXXX XXXX {$690.00}, acct # XXXX Two lenders own one debt? That seems like a double jeopardy. Whom do I pay off if I owe two entities for the same debt? I've already disputed it with XXXX, XXXX, and XXXX, and still no one is recognizing that the same debt can not be owed twice simultaneously. 

Sincerely, XXXX XXXX XXXX
I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing company  XXXX   XXXX   XXXX   XXXX    XXXX  and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortga ge Billing Statement ( attached ) d ated  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the ex ecuted Loan m odification agreement  XXXX  on  XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously in correct. ( See attac hment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to report them as being on time. All payments were paid on-time to the lender  XXXX    XXXX   XXXX   XXXX    XXXX  and  XXXX  when they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affected my credit score. Any assistance you can provide would be very much appreciated!
Every month XXXX is supposed too update balance and payment history. Citicards fail to update XX/XX/XXXX balance to all XXXX XXXX reporting agency. XXXX, XXXX and XXXX. I Called Citicards and ask for the supervisor who told me there is nothing she can do about it. There is no way for her to get in touch with the credit report department to find out why they did not send the month of the XXXX statement to credit reporting agency. It is Now XXXX and there still is no update for XX/XX/XXXX. It is still showing XX/XX/XXXX statement. Now I am going to be missing history for the month of XX/XX/XXXX for this account XXXX. The balance was supposed to be {$500.00} for the month is XX/XX/XXXX and it never updated and now it the month of XX/XX/XXXX. I attached each Credit reporting agency report to show proof that was no update for the month of XX/XX/XXXX And I sent XX/XX/XXXX billing Statement I want it updated right now.
XXXX XXXX XXXX XXXX a balance of {$1700.00}. This is not for me, it is for a XXXX my deceased husband owned. A lady came to my home about XXXX years ago and questioned me and I explained the same to her. From what I understood this amount is for parts purchased for the business.
I have tried on numerous occasions to have these inaccurate debts removed my credit reports. I was never given notice that I had a right to dispute them before they were added. Upon checking my credit reports, that is how I found out about the accounts. I have disputed the debts with this company, asking that they validate that I have done business dealings with them, also asking that they send me proof of my signature agreeing to pay them.
I graduated from school in 2010 and have never defaulted on my loans. My payment plans have continued to increase. Forced the first time in 2010 to pay XXXX $ to defer my loans for an additional 3 months. I then had to talk to several people just to get my monthly payment down because I could n't afford it. I ended up paying interest only on my loans until I went back to school for my masters ( where because my loans were deferred I paid off XXXX loan ). Once graduating I started to pay the max amount which was about XXXX $ a month ( variable loans so flucatuated month to month ). I tried for as long as I could to pay this as the interest only option was not helping pay down my loans and was n't giving me enough to my other monthly bills & federal loans. I called and asked if I can pay based on my income or file for economic hardship. I was told no that only applied to certain loans and with mine that was n't an option. Basically I asked what else I could do because I did n't want to default. Basically the only option was to go back to pay interest only which was still a high payment of approximately {$630.00} ( variable loans so vary month to month ) This was still a little high but I was not given any other options. So I am stuck now paying interest only for all of my Navient loans. Overall for all my loans I pay $ XXXX and have not been able to consolidate my Navient loans which have the highest interest rates and seem to have no end in sight.
I received a notice to pay {$1000.00}. 
It is a scam I do not have a bill with XXXX XXXX XXXX. The account was closed after 10 years. 
THE original account # : XXXXreditor : XXXX XXXX XXXX, XXXX. 
Convergent Account : XXXXOriginal Creditor : Household Orchard BankDear CFPB : The credit card I once had with XXXX XXXX was closed after 10 years. The account was in 2004.
On XXXX XXXX I received the attached letter from " FORD : Security Operations ; XXXX XXXX S.D. ( believed to be XXXX XXXX ). The letter is very disturbing threating reinstatement of an unpaid account & financial delinquency reporting to Credit Agencies. The report is specious and unsubstantiated. The Ford Service Credit Card : XXXX never solicited by me. Unknown to me the credit line was initiated in XX/XX/XXXX & paid in full that year. In XX/XX/XXXX a hard copy credit card was received in the mail. Upon receipt & investigation the account was cancel with a balance of XXXX ( XXXX ). The plastic card was destroyed. On XXXX XXXX XXXX the issuing bank was called : In summary their transcribed report stated : " Account close with XXXX balance ''
Receive daily calls from a company named Portfolio recovery. The first time which was 2 months ago I was met with threats of legal action, but I do n't know what the debt is for and could not receive an answer over the phone. Furthermore, they have called relatives in other states, claiming they have to pay my debt if I do n't pay. Please stop this company from harassing people who are debt free.
When I got into XXXX school my loans went into deferment, I have tried to make payments but have not been able to. I contacted them about getting my loans off of deferment but received an email that did not address my concern. Specifically, the email I received said my request for lower payments was denied, that 's not what I inquired about.
Two or three times each week I receive robocalls from Harris & Harris Debt Collectors ( harriscollect.com ) asking me to return their calls at XXXX. Each time I do so, they ask me if I 'm someone else and then, after confirming I 'm not, they tell me the call was in error and promise to remove me from their list. The harassing calls then continue. My attempts to reason with the company have only resulted in rudeness. They have no interest in talking to me in person. They only rely on their robocalls.
On XXXX/XXXX/XXXX my daughter was in the XXXX XXXX. I needed to visit her so i checked my online account balance and it said i had XXXX available. It also showed a debt owed to redbox. I withdrew XXXX dollars from an atm and went on about my day. So on XXXX/XXXX/XXXX i went to another atm and withdrew another XXXX dollars for weekly expenses grocery etc. On XXXX/XXXX/XXXX i withdrew another XXXX. So on XXXX/XXXX/XXXX i stop at a convenience store to get my child some things and my card was declined. I immediately check my online account to find my balance XXXX dollars. Upon looking at the transactions i saw that it stated that there had been and in branch withdrawal of XXXX dollars. I was shocked and immediately called to report fraud. During the call i got disconnected so i went to my local branch. Once in the bank they were able to provide me with documents showing that i had withdrawn the XXXX dollars from my account on XXXX/XXXX/XXXX. I then inquired about why was the information not up to date. I also asked why my overdraft protection did not protect me. I was given the all sorts of reasons as to why its my fault that i overdrafted my account. They said they the atm lets me know before i overdraft. I explained that it was not a bank atm. So they said it was at the banks discretion so i argued that it was set up so that i can not overdraft at all. I also stated that in XXXX of XXXX i had some issues and i went to a bank atm and i would not allow me to overdraft, and that reassured me that my overdraft protection worked. So i was able to get them to reverse a XXXX dollar overdraft fee. But im still in debt XXXX dollars because of them i feel ( XXXX dollar atm withdrawal x's2 plus another XXXX dollar atm withdrawal ). So i had the issue escalated i was asked how do you manage you account. I answered i checked my blance online and called on XXXX/XXXX/XXXX to assure i had those funds. I feel that Wells fargos system error and the problems caused as a direct result of that error have cost me and thats not fair especially considering i set up features to protect me from overdrafts. And when i finally spoke to whomever the issue was escalated to they blamed it on hurricane XXXX. They did not close the bank for XXXX. I mentioned the hurricane and they spent it as excuse for their mistake. I mean if that is not a slap in the face.
I took out a loan with Westen Sky and it was immediately sold to XXXX XXXX and then ended up with Delbert Services. They never took out the payment on the date they stated. It always took longer and ended up costing me in overdraft fees, etc. 
I have been called by several companies claiming to collect for Western Sky and Delbert Services, etc. They all threaten and call friends and relatives with threatening tones.
I am reporting FirstKey to the Consumer Financial Protection Bureau because they have remained unresponsive to my many requests through their online message center ( which promises response within 48 hours ) and several of my phone calls to customer service over the past few months. I switched homeowner insurance providers back in ate XXXX 2015 and since then have been paying for my homeowners insurance out of pocket. My new insurance company XXXX XXXX XXXX submitted all forms to FirstKEy verifying that this is so ( twice now! ), yet FirstKey has failed to follow up on my requests to adjust my monthly loan amount to deduct for the fact that homeowner insurance payments should no longer be rolled into the amount due for my monthly mortgage payments. I have messaged them many times in writing and I have called on XXXX different occasions and talked with a customer service agent to try and get the issue fixed. The agents never follow through once we are off the phone and so I am still being billed for the homeowners insurance. I need someone to help me escalate. This is the third company my loan has been sold to since I bought my first home in XXXX and they are the worst. Please help me! 
Thank you.
On XX/XX/2018, a hard inquiry was placed on my credit report from One Main. Unfortunately, I was not offered credit 'after ' the inquiry was made. I have since contacted One Main requesting the inquiry be removed from my credit report. The Fair Credit Reporting Act states, 'The only permissible purpose for pulling anyone 's credit is A ) A FIRM offer of credit B ) Insurance C ) Employment or D ) A court order. A firm offer of credit is defined by the Fair Credit Reporting Act as 'any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report, to meet specific criteria used to select the consumer for the offer. '' I was selected for the offer of credit via USPS delivery of an offer/application, however, my application was denied, therefore, the 'offer of credit ' was not 'honored. ' As a result, and according to the FCRA, One Main is required to remove the inquiry from my credit report. Subsequently, I've made contact with One Main via USPS and requested the inquiry be removed. Unfortunately, my request has been denied. Conclusively, One Main has refused to adhere to the requirements of the FCRA. As a result, I'm demanding complete removal of One Main 's inquiry from my credit report.