WillisBack/dataset-financial-user-claim huggingface dataset:
i was given a 90 day forbearance on my mortgage for XXXX, XXXX, XX/XX/XXXX due to the hurricane in florida. from XX/XX/XXXX until XX/XX/XXXX i made all payments on time in addition to repaying the three payment from the forbearance period totaling 8 payments in four months. in turn XXXX XXXX falsely reported my mortgage 60 days late for XX/XX/XXXX with all three credit bureaus. this is impossible as i have made 8 payments since XX/XX/XXXX. i have called, written messages on their website with zero response or solution. in turn my credit card companies have begun to reduce my credit lines because of the false incorrect past dues report. i have over 25 credit accounts and HAVE NEVER been late on any of them. this is now damaging  my business and my family finances.
My wife and I each opened a Capital One 360 Savings account that had a bonus offer if we kept the account open for at least 90 days. Today they refused to pay me my bonus on the following grounds : I used to have an ING Orange Savings account, which I closed shortly after ING ( USA ) was bought by Capital One, and the terms of this bonus was it had to be your " first 360 Savings '' account. Since I never opened a Capital One 360 Savings account before, I had no idea I would not qualify. Their disclosure states " If you qualify for a bonus, Capital One 360 will deposit the bonus money into your account .... '', but they do n't tell you up front that you do n't qualify because you used to have an ING Orange savings. I believe their disclosure is misleading, or at minimum their should be a way to know up front that you would n't qualify. 

In my wife 's case, we had to call and ask for the bonus even though she never was a primary account holder on an ING Orange Savings. Once they did agree they made a mistake and did not pay her the bonus, they paid the bonus but put a hold on the bonus money for 30 days - even though their disclosure states " Once it 's deposited, the funds will be available immediately. '' Their reasoning was that it was a computer issue with the original bonus, so they have to hold it for 30 days. I question the legality of that. 

I believe both cases were deceptive in nature, and certainly the case of holding the bonus for 30 days was in direct conflict with their disclosure.
On XXXX/XXXX/2016 I was pre approved for a home mortgage ( FHA ) by Sunbelt Lending Services after presenting all requested documentation. So I move throgh with my broker for home inspection, we needed to fix couple things on the desired house as well after inspection and I had to pay for the appraisal. Everything went well, house was fixed, appraisal approved, tittle company with my deposit in approved also the house. So far everything was ok till I received a phone call by the lender saying that his investor was not confortable and he needed at least 25 % or 30 % as down payment. Pre approved loan down payment was 5 %. 
It was told since the begining for the lender that maximum down payment would be 5 % and my biggest concern is that he let me go up to the end, paying off the fixing, inspections and appraisal. It really feels like bait and switch. 
After that I and my broker asked him to send a denial letter accordingly and he would not pick up the phone or reply our emails for 3 days. After that I could get him on the phone and he emailed the denial letter, but only saying that I have not sufficient funds! Which is not true. It occured because he changed his propose after everything. 
So far I expent over {$1900.00} ( inspection, appraisal, fixing, accountinh services ) and still fighting to get my deposit back from the title company. 
Lender said that he would give me what I expent as a credit for an upcoming application. But honestly I will never do it again with this lender and would never recommend their services for anyone. XXXX XXXX XXXX was the loan senior officer.
I applied for and got a credit freeze from Equifax. I need to lift it temporarily. But their website says that I have no record with them, yet it also says that I have a freeze in place. I tried calling several " customer service '' numbers but they are all just phone trees or endless waits on hold. There 's no online help because they say that I have no account there. 
Combine that with dead ends on their site such as this one after I try to recover my account : " We apologize for the inconvenience however the system is unable to complete your request. Please contact Customer Care at XXXX ( XXXX ), 7 days a week between the hours of XXXX XXXX XXXX Eastern Time Zone for assistance '' I promise that that number is just another dead end. 
My wife has a separate freeze and she gets the same dead-ends and no help. 
This company needs to be shut down and the executives fined and jailed.
I started receiving phone calls from Portfolio Recovery Associates starting XXXX 2017. They stated that one of my credit card companies - I *think* XXXX XXXX - sold a delinquent balance to them for collection. I believe this is a scam. The one time I spoke with them I asked for a statement or official documentation but to date I have not received anything nor had I received any communication from the financial institution prior to PRA harassing me. During that call the woman I spoke with asked me to make a payment over the phone which I promptly refused to. I stated that I do not owe this money because all credit cards were managed by a debt management program - XXXX - which was completely paid off in XXXX 2017. XXXX XXXX was o

ne of the credit cards included in that program.

Portfolio Recovery Associates has called me numerous times to the point of harassment. The city they call from is XXXX XXXX, TX. I do not answer my phone from any phone number ( s ) from that city. They have never left a voicemail. 

The dollar amount owed that is shown on my credit report is {$240.00}. 

I kindly ask for your help in resolving this. 

Thank you.
On XXXX XXXX, 2016 I sent a Qualified Written Request to Chase ( XXXX ), XXXX XXXX XXXX, XXXX, OH XXXX. The letter requested the following information : " Please provide any/all Broker Price Oprinion ( s ) ( BPO ) that have been solicited/initiated by Chase for specified property. 
Provide the name ( s ), date ( s ) and fees associated with said BPOs. 
Please provide copies of any/all appraisals solicited/initated by Chase for said property. 
Provide the name ( s ), date ( s ) and fees associated with said approaisals. 
Please provide the name ( s ) of any contractors, vendors, brokers, hired or authorized by Chase to enter upon, take pictures of, or gather information of any nature in regard to said property. 
Provide the name ( s ) of any companies, contractors, vendors, brokers, hire, engaged or authorized by Chase to interact with residents of said property for any reason. 
Section 1463 ( c ) - Chase has five days in which to acknowledge in writing receipt of this QWR and 30 days to provide a substantive, detailed response to this QWR. '' To date no acknowledgment or response has been received from Chase regarding this request.
Comenity Capital Bank has refused to honor their Virgin America Visa Signature Card sign up bonus. Their credit card bonus terms state : " Earn XXXX bonus points after you make {$1000.00} in eligible purchases within your first 90 days as a cardholder. I have had the card since XX/XX/XXXX. I have spent over {$1000.00} within first 90 days, and the last qualifying purchase posted to my account on XX/XX/XXXX. It is going on seven months since the spend minimum was met. On XX/XX/XXXX, I secure messaged and previously called Comenity and their reps said they will not take responsibility for their own credit card promotion and to contact Virgin America. I contacted Virgin America in XX/XX/XXXX and they also take no responsibility and have not responded with a resolution after multiple calls and emails.
I 've sent several letters to USCB Corp., requesting owner validation of debt and, ( although the account is in collection ) I was told by the collection agency mentioned above that, " We are not the owners of this debt. We have been hired by XXXX Schools to collect your past due tuition ... '' They went on to say, " You can certainly contact the school directly ... '' I recently learned the FCRA and FDCPA, legislations, and that I have the right to request " documents and evidence as proof that they are legal owners of the debt and that they can legally accept payment on it ''. If the collection agency does not or can not fulfill the request, the debt is supposed to be removed. 
It is also my understanding, that the collection agent should not suggest I fill out forms to validate the account, or suggest I call the original creditor, to validate that the collection agency is legitimate.
I have tried to freeze my credit report with Experian, but they require me to pay {$19.00} for their services that I do not want.
This judgment is currently being reported to all three credit bureaus by a XXXX PARTY. It is against the law and the Fair Credit Reporting Act for a XXXX party to report a debit. I have reported this to the Georgia Department of Consumer Affairs and have asked for their guidance with this. Equifax refuses to remove the judgment as the information being reported is wrong. The listed amount owed on the report is wrong and the paid amount is wrong. 
The information can be verified by the XXXX County Court House as I was told by them on XXXX different occasions about this debit and was told that a XXXX party ( whom they will not disclose ) comes in and goes through their records and reports the judgments. But not on their behalf but as a private XXXX party company. XXXX County Court does not report any information to credit bureaus and the debit is not being reported by the original creditor. 
I am requesting that this judgment be totally removed from by credit file. The information can be verified at XXXX County Court House XXXX XXXX. Case number XXXX. My credit file was updated to show that the debit was satisfied but after speaking with the XXXX County Court and learning that the information is not reported by them I am asking for it to be removed all together for my credit file.
I filed a fraud claim with Suntrust Sunday on XX/XX/XXXX for a XXXX transfer I had initiated using the Suntrust app but suspected was fraudulent. Since the amount of the transfer was above the daily limit, the app gave a message that it would not be processed immediately. The recipient also informed me that they had not received the money, so I called Suntrust and asked them to put a stop on the payment which is how the claim was opened. 

On XX/XX/XXXX Suntrust issued a temporary credit for {$1500.00} to my account. 

On XX/XX/XXXX I received the email from Suntrust copied below stating that the transfer had not reached the destination and that the XXXX service had been cancelled on my account. 

On XX/XX/XXXX I received a call from Ms. XXXX XXXX from the Fraud department. I forwarded her the email I received on XX/XX/XXXX to her after answering a few questions about the claim. On XX/XX/XXXX I received an email saying that the claim was being denied and the {$1500.00} was going to be taken from my account on XX/XX/XXXX. 

Today I have spent 3 hours on the phone with both the Customer Service and Fraud department ( note that XXXX XXXX has not returned my calls ) trying to figure out where the money from the XXXX transaction that, per their email to me did not reach its destination is, was and when it would be returned to me. Not a single person could tell me where the money is. The only answer I got was that the claim had been denied. 

Email : SunTrust Bank XXXX logo Dear XXXX, We couldn't complete your payment to Key Key ( XXXX ). This money won't reach its destination. 

As a security precaution, we have suspended your XXXX account. This means you can't send or receive money with XXXX. Contact us at XXXX or XXXX to resolve the problem. 

Payment Details Confirmation Number : XXXX Amount {$1500.00} From SunTrust Bank, Checking, XXXX  To Key Key ( XXXX ) We apologize for any inconvenience this may have caused you. 

Sincerely, Customer Service This email was sent to XXXX
Hi there, I 'm the seller on this purchase transaction. I 'd like to file a complaint on Primary Residential Mortgage, Inc. XXXX XXXX XXXX XXXX. XXXX XXXX This mortgage company issued FHA case # on my house, which the transaction did n't go thru, and Sales contract was cancelled. I have made cancellation requests via email and phone call, and in all occasions my requests have been ignored, and my right being denied. I emailed on XXXX XXXX, called on XXXX XXXX, and manager promised by XXXX XXXX, FHA CASE # will be cancelled, which it was not.And again today XXXX XXXX when I called to follow up, manager was really rude and I was told they will not cancel the FHA CASE #, and there is nothing I can do and rudely hang up on me. I am seeking your help in this matter, kindly please help me out.
Hi, I have a vehicle loan from XXXX XXXX XXXX and last year I was late on one payment mostly because I used to pay my vehicle loan bill with my mortgage and I had refinanced my mortgage and I did n't have to pay that month. Unfortunately I totally forgot about my XXXX XXXX XXXX bill. But as soon as I realized that I paid the bill for the last month and the current month. I was n't notified by XXXX and I had paid the bill before I got their call. On call they said that they will be reporting it to Credit agencies as it was past 30 days. I said it 's fine and I assumed that it will probably be a minor hit as it was one missed payment in 3 years since my loan began and probably the only missed payment since I started paying bills. But I had no clue that my credit score will go down from XXXX to XXXX. Next month we decide to buy a new home and applied for the pre approval. I was shocked to find out what my credit score was. Based on the credit score and just one missed payment, I was being offer a much higher loan rate but I was told that it will be fine by the time we purchase the house as it was still XXXX months away. I was also advised to talk to XXXX XXXX XXXX to see if they could resolve it with credit agencies. I called XXXX XXXX XXXX XXXX times and they never resolved it. On my last call with them, they asked me to raise a complaint with all three credit agencies and they said once credit agencies follow up with them, they will resolve the issue. I went to all three credit agencies and opened the dispute. But I have never heard from them and my FICO score as of today stands at XXXX. And this is all because of one missed payment in 10 years. Since then I have paid all my bills on time and it 's been almost 9 months since I missed the payment. But the credit score is where it was. Now it 's time to close my new home and I had to settle on higher interest rate because my FICO score is low i.e. XXXX. This does n't sound right to me.
I started employment with the Federal Government in XX/XX/XXXX. I consolidated my student loans with XXXX in XX/XX/XXXX to qualify for the PSLF program and made payments under the qualifying repayment options for the PSLF. In XX/XX/XXXX XXXX took over my XXXX consolidated loans and they have incorrectly calculated my PSLF payments. I have made XXXX qualifying payments from XX/XX/XXXX to XX/XX/XXXX. See attached and new PSLF certification. Given XXXX error and their unwillingness to correct it I filed CFPB complaint XXXX in XX/XX/XXXX. XXXX reviewed the information and increased the number of PSLF-qualifying payments to XXXX. Which is an error. XXXX did not dispute any of the qualifying payments that I have been making since XX/XX/XXXX which total XXXX as of XX/XX/XXXX. The only issue they claimed was that I remitted a partial payment in XX/XX/XXXX, rather than the full monthly installment. This is an error because I made a full payment in XX/XX/XXXX ( I had overpaid and they added the overpayment to the bill ). See attached. CFPB did not give me an opportunity to counter XXXX error and closed my CFPB complaint. The evidence shows that I have made XXXX full payments under a PSLF qualifying repayment option. XXXX did not dispute this and only claimed that their only issue was that I made a partial payment in XX/XX/XXXX. The attached evidence shows that XXXX is mistaken because I made a full payment in XX/XX/XXXX. Given that XXXX does not dispute that since XX/XX/XXXX I have made payments under the qualifying repayment options for the PSLF my payments need to be corrected to XXXX. Please help me correct XXXX mistake in calculating my PSLF qualifying payments.
OK well I used my XXXX job at a XXXX XXXX called the XXXX XXXX and XXXX XXXX XXXX XXXX as a credit source to secure an apartment when I was XXXX or XXXX years old. I 'm now XXXX and the XXXX XXXX is still listed as my current position, along with XXXX XXXX XXXX XXXX which I only worked at for 3 months. Please take down that information as my employers are looking at that and wo n't hire me even though I do n't work there anymore. 

Please replace the information with my current employment histroy XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX no longer working there And XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX no longer working there. 

Please fix this as my new employer is plaining on doing a credit check this next week and I do n't want to lose my job which I just got over something that is n't true. Please remove the XXXX XXXX and XXXX XXXX XXXX XXXX from my credit report. 

Thanks XXXX XXXX
I have chapter XXXX bankruptcy a public record on my Experian report i was told by the bankruptcy court that they do not report to Credit Bureaus it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.
I am making this complaint on behalf of my mother. She is  XXXX   years old  and suffers from  XXXX . For the last year or so she has been   XXXX   XXXX   XXXX   XXXX    by one of her home health aides. Her credit cards have been stolen, and there are over {$13000.00} dollars of charges on just  XXXX  of her credit card accounts that were made without authorization. I have a full DPOA and was successful in canceling the cards, however, I have tried working with the bank since  XXXX  of last year, but they refuse to discuss with me or act upon the account despite my having sent them a copy of the DPOA. Further they are harassing with dunning calls and letters to my mother which are very upsetting to her.
I signed up for Paypal where I entered my credit card and expected that card to be debited for all transactions where I selected the Paypal option. 
I was recently contacted by Paypal for an overdue loan through their lending services. I did NOT sign up for a loan of any kind, especially one at 19 % interest when the card I chose to debit was only at 8 %. I do not know how to get this loan canceled and the late fee taken off. This enrages me that I could be signed up for something I did not agree to in any way. There is no form with my signature, nor an application for this loan.
I have a payment agreement with Care Credit/Synchrony Bank since   XXXX   XXXX   XXXX   - payments are automatically drawn by creditor from my bank account on the first of the month. The following  have been paid, but are not showing on my credit report and they are reporting me 30 days late in  XXXX  (  which I was for   XXXX   ) and 60 days late in   XXXX   XXXX   and   XXXX   :   XXXX   XXXX   XXXX   {$46.00}   XXXX   XXXX   XXXX     {$18.00}   XXXX   XXXX   XXXX   {$37.00}   XXXX   XXXX   XXXX   {$37.00}   XXXX   XXXX   XXXX   {$35.00}   XXXX   XXXX   XXXX   {$40.00} ( per payment agreement )   XXXX   XXXX   XXXX   {$75.00} ( per payment agreement )   XXXX   XXXX   XXXX   {$77.00} ( per payment agreement ) I tried to contact the creditor by phone to discuss but the all phone # 's lead me to a 3rd party collector "   XXXX   '' who does n't have my account and have been told this multiple times today. Each time I was given either a new number to call or one  I already did and every one reverts right back to  XXXX . Beginning    XXXX   XXXX   XXXX    at   XXXX   XXXX  , I have called   XXXX   ( back of card ), given  XXXX , given  XXXX  again, spoke with  XXXX  (? ), given  XXXX , reverted to  XXXX  spoke with *uninteligible*   XXXX   and request to speak with manager - spoke with manager "  XXXX  '', given   XXXX  , called and was hung up on ( male rep ), called  XXXX  ( again ) spoke with  XXXX , given  XXXX , answered by   XXXX   rep again ( one I already spoke with ). Called   XXXX   ( from Care Credit website " contact us '' ), got   XXXX   once again and so requested to speak with manager - got  XXXX  again.  XXXX  told me " there 's a problem with the system ''. This final call was at   XXXX   XXXX  .
This is completely unacceptable! I 'm trying to reach the company to discuss my account and am unable to and have been given incorrect inform  ation each time.
I was the victim of an identity theft by my ex-wife. She was charged with the crime and convicted and received probation. When we separated she stayed at the residence. She became involved with another person and they applied for credit everywhere using my identity and she wrote thousands of dollars in bad checks against our closed joint account. She started out making an attempt to actually pay the bills because she did not want to get caught. She told the judge that she had intended on maintaining the fraudulent accounts so she could have the credit, but she was afraid getting caught would affect our custody battle for my child. She was charged with the crime and made a plea deal admitting to stealing my identity, writing thousands in bad checks and fraud. I have gone back and forth with primarily Experian about this for years even providing them with proof that the identity theft occurred. I am the victim and I 'm still dealing with this, she is the criminal and got 18 months of probation. When Experian investigated it they said the accounts were set up from an address on my report ( I left the residence to her ) and also noted that some payments were made at first on the accounts which she admitted doing to the judge because she did n't want to get caught and was afraid she 'd lose custody of our child if she got caught. All of this is on record with the Superior Court of XXXX XXXX Georgia and the police department. Long ago I actually sent Experian a letter from the prosecutors office supporting the identity theft and still Experian did nothing to remove these identity theft accounts
Hello, I am currently a Lender who borrowed from Navient and Fed Student Loan Program. I currently owe {$60000.00} total to Navient.  I am making my monthly payments, struggling even with  XXXX  out of the  XXXX  loans put on Interest only repayment. I pay each month {$110.00} in the beginning and {$230.00} in the middle since  XXXX   XXXX . The {$110.00} is interest on ly ( only  relief plan I was offered ) and the {$230.00} is full repayment ( I assumed partly principal/interest. ) I have noticed a couple of times almost the entire payment of {$230.00} is applied to the interest only. I just made a payment  XX/XX/XXXX , the principal amount applied was {$5.00} and the interest amount was {$220.00}. I noticed another time  XX/XX/XXXX   XXXX  was applied to the principal while the other {$230.00} was applied to the interest. I have not contacted the company but I feel like I am constantly being taking advantage of.     In  XXXX   XXXX  they convinced me that one way to lower my monthly payments was to consolidate all my student loans t o Navient (   XXXX   XXXX  at the time ). I did not understand the process or anything involved and followed they 're advice. Unaware until after the process was done, my interest rates went from 2.330 % with  XXXX   XXXX   XXXX  to 5.375 %. Over the phone they worked out the percentages and provided me information on how this would lower my monthly payments and was the best option. In reality it only increased the interest and did nothing to change the monthly payments.