WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a student loan in XXXX for {$9000.00} and graduated in XXXX although I was short a 3-credit course that my advisor did not tell me about until a month before this graduation. The university was aware of this error, I was allowed to graduate but was not awarded my degree. I began working and decided to go back to school in the near future to complete my degree. Going back to school turned into a hardship because I did not have the extra money for my class. My student loan was placed on a forbearance plan, my co-signer helped me make payments while I was employed part-time temporary and unable to make the designated payments. After years of paying interest payments my student loan debt grew into a massive {$13000.00} with a 10.25 Variable interest rate! I started full-time employment in XXXX of XXXX, I called Navient requesting to refinance the loan and to release the co-signer. Navient told me that they would NOT release the co-signer until I completed my degree and made 12 consecutive on time payments. My complaints : Not being allowed to release my co-signer and not being offered an income driven repayment plan.
On XX/XX/XXXX, my wife and I took a mortgage with HFC, now HSBC, which included a life insurance policy payment of {$120.00} covering both myself and my wife which was included and paid to HSBC in XXXX check with each bi-monthly mortgage payment. A total of {$940.00} ( every 2 weeks ). I could have taken a widow 's benefit on my pension, but it would have been a more costly deduction. On XX/XX/XXXX received a cancellation notice from a Co. named XXXX XXXX XXXX. of XXXX stating that as of XX/XX/XXXX my policy would be canceled. Upon calling HSBC at XXXX, I was told that they transferred my policy to XXXX in XX/XX/XXXX, as they did not handle insurance since than and that I was notified of that change. I was never notified. In fact, according to there web site ( XXXX ), they still sell insurance. I have always sent my insurance payment included with my mortgage payment every 2 weeks to HSBC. I was never told anything different. This not the first time that I have had problems with HSBC. A number of years ago filed a complaint with the state of XXXX after I had filed for bankruptcy which did NOT include my mortgage. HSBC stopped automatic withdrawal of my payments ( mortgage and insurance ) from my checking account, stopped paper billing, denied me access to their web site and changed my account number all without notifying me. After some time the state was able to correct these issues and returned my good standing with HSBC, although I still have to arrange for my bank to send the bi-monthly payments including the insurance made payable to HSBC, which thy have accepted and cashed and continue to do so. I think that I may have been canceled because HSBC may not have been sending the payments to XXXX. I have talked wit XXXX and they will not give that info or a reason why we have been canceled. I have made payments every XXXX weeks since XXXX of XXXX. On a premium stand point, I should be paid way ahead as I am with my mortgage. This Policy was supposed to be like a nest egg to incase one of us died the other would not have to sell the house unless they wanted to.
Ill start with verifying documentation original signed contracts with my signature, according to Section 609 of the FCRA this is what companies need to prove. XXXX XXXX XXXX has been reporting 2 accounts that Ive been disputing since XXXX with no results of proper investigation. Here are 2 documents one saying this isnt a debt but saying I owe this ... my signature isnt on this document nor is it an original signed contract. Section 609 of the FCRA says the proper documentation must be provided.
Hello, I opened up a Citigold checking account on XX/XX/2016 a promotion stating I would receive XXXX XXXX XXXX Advantage miles ( worth approx. {$500.00} ) after meeting XXXX requirements. 

I then met those requirements. I then called XXXX different Citi representatives who confirmed that I met those requirements and was guaranteed XXXX XXXX XXXX Advantage Miles to be deposited into my account by XX/XX/XXXX. 

Through this time I was charged two monthly service fees of {$30.00} each. After confirming this promotion was applied to my account, that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX Citi has refused to honor my points. 

I used my debit card for the purchase portion of the promotion on XXXX/XXXX/16. I messaged Citibank before making the debit purchase to confirm my purchase would be valid for the promotion. After months of waiting and without notice, Citibank decided that my {$1000.00} debit card purchase did n't qualify unless I can confirm and present my merchant 's payment coding information. I do n't keep any of my merchant 's payment coding information and no one ever told me to hold onto this information over the last 6 months. I had multiple conversation which confirmed the eligibility of my debit purchase before I made the purchase and directly after. 

During this time I was charged {$60.00} of fees and I will not be getting {$500.00} worth of XXXX XXXX Advantage miles. What is most frustrating is that I called Citibank and they confirmed I met the criteria for this promotion two times. 

There are hundreds of people in the same situation as me. I 've talked to other people online who have had the same problem. It is not fair from citibank to guarantee something and then take it away randomly. Citi has lied to me and and taken my money. 

I have to pay my services fees and my part of the contract, but apparently Citi does not have to pay theirs. This is totally ridiculous and someone needs to do something. 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank. 

Thank You
A Wells Fargo line of credit was approved and unauthorized funds transferred to a creditor ( See attachments A-E and letter from XXXX concerning resolution ).
I applied for a credit card ( XXXX XXXX ) and they denied me because my credit was unavailable from the XXXX scores. I checked my credit score on XXXX XXXX and it also said my scores where unavailable, so I 'm just wondering what is going on?
Complaint : NOT OBTAINING THE DISCHARGE PAYOFF LETTER OF MORTAGE FROM BANK ( Citizen Bank ) Ref XXXX I am writing to complain against Citizens Bank for the lack of action to furnish the " discharge of mortgage letter issued by the Deeds Registry at XXXX County in New Jersey. 
In earlier XXXX I sent the last payment of the mortgage in the mail with an additional fee to process the discharge of the mortgage. I was told to wait a month to receive that letter in the mail and as of today I have receive nothing in the mail. I called two times to the Loan Pay Off inquiring about the status of the letter but I was asked to keep waiting and I was assigned a reference number ( as showing above ). On XX/XX/XXXX, I sent a certified letter to the Loan Pay Off Department and a copy to the CEO and President of the Bank Mr XXXX XXXX to demand the letter. Just a week ago somebody contacted me from the corporate office Mr. XXXX XXXX, he left a voicemail at home and since then he did not return my calls. I do not need to speak with anybody else just I am demanding Citizens Bank to  produce the discharge letter of my mortgage at once. 
Thank you, XXXX
I have submitted a complaint to Experian with regards to an accounts reporting on my credit file that do not belong to me. I have submitted dispute letters and a FTC Form to Experian with regards to this account. Please remove the following account from my credit file : XXXX XXXX XXXX XXXX - Opened XX/XX/2011 XX/XX/2011
Banks that listed that I have n't banked with open mortgage loan in a different state that I never lived in accounts opens to different store that are charged under my name
I had reported to experian that I had reports on my credit report that was not accurate and was doubles and so on. They have yet fixed it or given me any response other than XXXX out of several. I had reported these issues more than thirty days and they have failed to fix it. I am trying to buy a home and this is hindering me from doing so.They are over XXXX points off from the other XXXX. 
My name is XXXX XXXX XXXX social # XXXX DOB XX/XX/XXXX
Capital Ine has repeatedly refused to release MY money from a credit balance refund. I had XXXX Caputal One cards and XXXX has a credit balance of {$1700.00}. I have asked close to 100 times in person, in writing, and via phone to have my money back. I have submitted my drivers license and social security card. I have had branch manager XXXX XXXX XXXX verify my identity to get my account unrestricted. I have an active credit card with Capital One and they keep giving me credit limit increases, yet they still refuse to give me my refund. I even own a checking account with Capital One. I combined my XXXX accounts into XXXX credit card account- why ca n't Capital One apply my credit balance to this card or send me a refund check. They know full good and well who I am, continue a banking relationship with me and increase credit limits for me. Why do they continue to refuse to refund MY money?
I have had a hard time logging into and receiving customer service from my credit card company. Several months ago, I tried using the online chat to discuss my issue with their representative. Every time I would ask my question about a late fee, my chat would be discontinued. It was so frustrating. 

After the third time, I finally submitted a request to cancel my card, explained why I was having a problem and then requested someone - anyone- to PLEASE contact me because I couldn't get through to a human being. 

I got a notice a month later that there was a late fee of {$20.00} applied to the account. 

Fine, I tried to go online to pay the account - but I don't have my credit card anymore so I can't put in the number to access the account. 

I tried to call, when I put in my social security number and zip code, they can't find my account! 

They connected me to an actual human being and she couldn't hear me. As soon as she got on the line she just kept saying " Hello? Hello? Hello? '' I have small children at home. This is ludicrous - how can a business operate this way? 

Today, I got ANOTHER notice from the card company and they've applied another {$20.00} fee. 

I tried once agin to use the chat tonight to talk to the account representatives - SAME THING HAPPENED where they connect, tell me they are reviewing my question and then disconnect without helping me at all! 

So {$40.00} in fee for a card I've canceled, can't use and can't contact the credit card company about! 

This is such a horrible scam I am ashamed and outraged I fell for this credit card company at all.
On XX/XX/2018 my purse was stolen and someone used my NetSpend card and I didn't give them authorization to use my card I contact NetSpend and filed a dispute and explain the situation and my card being stolen NetSpend have not tryd to give me my money back and it's not fair I'm a single mother of XXXX lil girl which XXXX is XXXX and I need my card I filed a dispute for {$580.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another transaction for {$62.00} was ATM withdraw at XXXX XXXX XXXX XXXX I didn't give anyone authorization to use my card I called NetSpend they is stating there is nothing they can do about it please help me
The credit bureau did not give me a proper investigation in accordance with the FCRA. I asked them to send me the names of the individuals they contacted for verification, along with their addresses and phone numbers so that I can follow up with them. Had to remind them that they have 15 days to comply with the law by providing the requested information in compliance with FCRA, Section 611, part B, subsection ( iii ). Still no complete investigation. I asked them to verify the following questions which I have the right to : 1XXXX Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
Starting in the  XXXX  if  XXXX , I began to experience financial hardships. I request ed that Wells Fargo w ork with me to lower the APR on my account and establish a payment plan that I could fit into my budget. This included an initially lowered monthly balance due, with it increasing as I paid off other financial obligations and money became available. The company agents refused, but did offer a short term payment plan to cover the delinquent amount due on my account. I fulfilled that plan. However, I was subsequently unable to make the bank-stipulated payments. Between the   XXXX   of  XXXX  and  XXXX   XXXX  ( approx.  XXXX   )  I repeatedly tried to make a repayment arrangement w ith Wells Fargo age nts, but was repeatedly told that they do not make repayment agreements ( that they would only accept payments in the amount listed in the monthly bill ), and that I should just contact them if I am able to make payments in the future. On  XXXX   XXXX , I was sent a letter informing me that my account was being reported as a loss.
An entity with phone number XXXX keeps calling my cell number XXXX. They call for " XXXX XXXX '' ( sp? ). 
I do not know any " XXXX XXXX '' and I have told that to the caller many times. I ask them to stop calling. They say they will stop calling, but keep doing so. I have had this cell number for many years. 
I wish them to stop calling.
I have sent 2 certified letters ( 1 ) received XX/XX/XXXX and signed for by XXXX ( 2 ) received on XX/XX/XXXXsigned for by XXXX. 
I have disputed this account with I.C. Systems 2 times for an account that says I owe {$540.00}, both times requesting documentation and neither time have they responded with any documentation bearing my signature that i have a contract with them. According to the FCRA if they cant produce this it must be removed and never reappear on my credit files with any credit bureaus.
I went to a local grocery store to wire transfer XXXX dollars to my personal banking account through Western Union on XX/XX/XXXX. The clerk informed me I would need to pay an extra XXXX dollars fee so the money will deposit into my account " instantly within minutes " total of XXXX dollars. The next dayXX/XX/XXXX I checked my account no XXXX dollars available. My bank said no money seen nor pending to my account. I called western union back on XX/XX/XXXX spoke with XXXX # XXXX. XXXX voiced I will receive a refund on XX/XX/XXXX available at any Western union. I checked and no funds were available. I called western union back XX/XX/XXXX and was told to wait 48 hours. After the 48 hours still no XXXX dollars. I called western union XX/XX/XXXX the representative voiced wait 48 hours. On XX/XX/XXXX spoke with XXXX # XXXX. I was told the same story. " The money is waiting on the bank to approve it, it should be in 48 hours " my bank was contacted again on XX/XX/XXXX. My bank voiced they do n't see anything pending and to contact western union again. XX/XX/XXXX I spoke with XXXX XXXX XXXX. Same story, " it will take 48 hours " " it 's in process " Noone was able to tell me where my money is. I had to explain what the tracking number was. They asked for the tracking number and tracking number given but no one can see nor tell me where my money is, even with the tracking number.
On X/XX/2017 Convergent Outsourcing Solutions included a derogatory debt on my credit report without proper debt validation which was requested on XXXX XXXX, 2017. I have no contract with Convergent to collect debt from me. They have called my job repeatedly at XXXX and have put me in jeopardy of losing my job even after I have asked for debt validation. Which is a signed contract and not a statement telling me how much I owe them. This company negative reporting is having a negative impact on my credit worthiness being that it is the only negative reporting on my report.
U.S Postal Certified Mail No : XXXX MN XXXXCc : XXXX, TX XXXXEquifaxXXXXXXXX, GA XXXX, P A XXXXXXXX,2015RE : XXXX XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:
I took out a home improvement loan at BBVA Compass in XXXX. I filed bankruptcy in XXXX and included this loan. However, Compass told me that if I didnt pay off the loan I would have a lien on my house. Therefore, I continued making payments despite the bankruptcy. In XXXX, I asked to settle the loan for an amount less than the balance, and the offer was accepted by XXXX XXXX at BBVA Compass. I made the payment for the settled amount. I asked for BBVA Compass to update credit report, which they agreed to but never did. In  XX/XX/XXXX, I received an email from XXXX XXXX stating the account had been settled for less than the full balance with no obligation effective XX/XX/XXXX. However as of this complaint the mechanic 's lien is still on my title and not allowing me to refinance my mortgage. I 've made SEVERAL attempts by phone, and no one ever calls me back. Then I received an email XXXX XXXX XXXX stating the lien would not be released until balance was paid, the on the same day at XXXX XXXX got email saying lien will be released, it ould take up to 3 days and up to 30 for court to process. Then XXXX XXXX at XXXX anothe email saying they are not releasing until balance paid. The on same day at XXXX another email saying it would be released but would take 5 days and XXXX for courts to process. No one answers my phone calls despite many calls and messages left. This has caused much stress and its keeping me from being able to proceed on my refinance. Please help me get this lien removed.
During the CFPB investigation ( XXXX ) Midland Credit Management Inc. / Midland Funding LLC ; Admits the alleged debt they reported on my credit report and attempted to collect ( post ) XXXX/XXXX/2013 ; The date they claim it was sold to XXXX XXXX. Proving they had to right to report or attempt to collect the alleged debt they did not own. They need to remove that alleged debt from my credit report ( s ). Or if XXXX XXXX is a subsidiary of Midland Credit Management Inc. they need to provide the legal documentation they ( own ) the alleged date ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ).
I ordered the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This item was delivered and assembled to my home by XXXX ( XXXX, XXXX ) on XX/XX/XXXX. I  contacted the return service XXXX XXXX XXXX XXXX to schedule a return of the equipment because I was not happy with the device. XXXX emailed me back on XX/XX/XXXX and quickly arranged for equipment disassemble and pickup from my home which occurred on XX/XX/XXXX ; this was within the 30-day return window. Since that time Fortiva has harassed me daily to pay for the equipment, they refuse to let me speak with a manager or supervisor, and now they have begun  to destroy my credit. Product_Or_Service : XXXX XXXX XXXX XXXX XXXX Order_Number : XXXX Total {$3400.00}
XXXX XXXX Hospital performed XXXX ' that have been paid for in full, via payment plan. Account was turned over to collection company before first billing from hospital. This is a scam. There is no way to pay the hospital, except through the collection company. Have tried to resolve, falls on deaf ears. The collection ( billing ) company is Central Financial Control.
My accounts got sold from the department of education to the XXXX XXXX   with out my knowledge. Showing in my credit report as transferred-closed accounts. When looking at my account balances, nothing matches and its off balance. I continue to spend hours with the department of education, federal loans, and do a number of disputes and nothings gets updated. Even having the documents with the statements showing the correct balances. When you ask XXXX XXXX to correct your information with the credit agencies, they ask you to dispute it. But when you dispute it with the credit agencies nothing gets changed. Its a circle of never ending and nothing gets done. My credit report is saying one thing and the letter from XXXX XXXX is saying another. When applying for a home loan for example I cant even prove the true amount that I owe because of what my credit report shows. Some Late Payments reported that are not late. XXXX XXXX informed me that because of the deferment they would remove all late payments from the credit report and they didn't. False information. Even after the deferment was in place and payment date was established and not due yet, they continued to report late payment on some accounts. " They update the amounts and still incorrect and reported late payment on a account that is not due '' just not right and told me I needed to talk to the credit agency and dispute the error and that can take 30 days to see if they can resolve it if the error is correct.
In response to your response from previous report number : XXXX about IDEAL COLLECTION SERVICES, INC This is what you wrote : I am confused as at the beginning of your complaint, you acknowledge receiving our response dated XX/XX/XXXX and at the end of your complaint you state instead of us responding we waited 2 years to report the account to the credit bureaus. In my XX/XX/XXXX response I offered a payment plan to avoid the account from being forwarded to the national credit bureaus and sent the validation of the claim. Attached, please find a copy of my response along with the documents that were attached. Also, please find attached, a copy of the notice to vacate form you signed. In the last paragraph of that form and the last sentence states " I understand that management will complete a move out inspection checklist after my departure and any claim on my security deposit will be itemized. '' I our office has already validated the debt and the account is past due and due in full. 

I respond to you the following : I moved out in XX/XX/XXXX, two years later ( XXXX ) you report the account. The attachments you included verifying the debt, only the notice to vacate is signed by me. The other documents you sent verifying debt, showing all those extra fees they're charging, Is what I previously had asked you to send me the Invoices XXXX XXXX XXXX has for all repairs, because I repaired everything before moving out and hired a carpet cleaner company. This is why I ask for all that so I can take the case to court with my evidence of repairs. That's all you need to send me and I'll proceed from there at court.