WillisBack/dataset-financial-user-claim huggingface dataset:
I 've had a Serve One VIP prepaid card issued by American Express for several months. It was an attractive card due to its low fees and ability to safely load cash at many locations outside traditional banking hours, as well as the ability to transfer that money to my other out-of-state bank accounts with pre-existing debited bills. 

However, I received notice on XXXX XXXX that my account was being being shut down and could no longer load my money. There was no notice, no explanation given, and no recourse offered whatsoever. I attempted to contact Serve for further information and was denied any assistance with regards to the sudden actions taken against my account. 

Upon my own research I came to understand that Serve has taken similar actions against many other account holders for perceived violations of terms & conditions regarding loading prepaid gift cards to their Serve accounts. On XXXX XXXX I initiated XXXX money load transaction from my debit card ( NOT a gift card ) for {$200.00} in order to have funds available in another account for an upcoming bill that was due via auto pay. It seems quite clear now that Serve has taken adverse action against me for using their product feature that is readily accessed and available on their website. If they did n't want this feature used by their consumers, then it amazes me they still offer it in the first place. 

Again, there was no notice given and no ability to rectify the situation. I find this highly frustrating and excessive on behalf of Serve.
I walked into a Branch to pay a loan which was about 30 days past due.! paid the required about to satisfy the loan amount for the period. The loan amount was {$270.00} my pay check for the same period was {$280.00} and we are in a work slow down. So although I made the payment I was still past due. But I should have been current to that point. Now when I get calles from the bank they say I am XXXX days past due. And they have n't received a payment since XXXX XXXX although I paid them XXXX XXXX. So during this time I ca n't afford the banks manipulations of my money. On another note I had hope to get caught up with income tax return. But someone has stolen my SSN and applied for my income tax return. So when I filed they said I had already filed and now I am dealing with Identity theft. IRS is difficult to deal with having an I do n't care attitude, I 'm just doing my job. So the help I counted on is not coming for some more months and my pay is reduced to two days a week. The company does not supplement my income with unemployment ( XXXX ) they should but do n't. ( Texas ) Please note because they in the past have manipulated overdrafts and payments bouncing I have removed my money from this bank. But because of these loans which originated at XXXX which left the State and sold these loans to BB & T. I am forced to deal with them. But I can only try, but without extra money I will not jump through the hoops.
I am enrolled in the Public Service Loan Forgiveness program. My loan is serviced by XXXX XXXX XXXX ; all access is through their website XXXX. 

At the beginning of XX/XX/XXXX, I submitted my request to continue income driven repayments. To do this, I completed the survey on the website and completed the paperwork as it directed. I was not aware that what I submitted constituted a change in my repayment plan. 

After submission, I checked my repayment schedule and saw that the request had not been processed. After a phone call around XX/XX/XXXX, I was told that since it was a change in plan, I had not submitted the correct paperwork and needed to resubmit. This, despite filling out the paper the website directed me to complete. A new set of paperwork was completed and uploaded electronically. 

After another couple of weeks, my payment had not changed. It was now approaching XX/XX/XXXX. I called again, and was told that I had not marked a box on Page 4, that is required for changing plans. Again, I was not aware that changing plans was my request. Also, the form ( as I read it ) says to request a new payment amount. On the phone, I was told that this could be as low as {$5.00} ; no amounts are listed on the form. I asked for the {$5.00} amount on the phone, which was granted. Everything was now proceeding. My first payment of XX/XX/XXXX would be taken out of my bank account in XX/XX/XXXX ( fully six months into the new year ). 

On XX/XX/XXXX, I received notification that my request had expired and that my payment would now be the full amount and that paperwork had to be redone. Upon calling, I was informed that the {$5.00} payment had to be mailed ( in spite of everything being set up as autopay ), and since that didn't happen, everything was revoked. Once again, I had to request the payment to be delayed ( now until XX/XX/XXXX ) so that the paperwork can be completed again. 

The timetable for PSLF is sensitive, understandably. I have made every effort to make payments in 2018. The PHEAA has devised a plan to effectively delay my payments -- and my eventual completion of PSLF -- by 6+ months. In the mean time, interest continues to accrue on my loans, making my indebtedness greater. 

Each time I call, I am given new and different information by the operator -- being to ask for a later payment on-line, being able to request a payment as low as {$5.00}, etc. PHEAA staff act as though they are allowed to only share one piece of information per call. Each time, you believe you are finally being given the " correct '' information ; each operator says as much with " I'm sorry sir, I don't know who told you that, but this is what you need to do. '' And each time, something is still wrong, incomplete, or incorrect with the information being given.
I lease a motorcycle like 2 years ago, my motorcycle was stolen 3 months ago already and nothing has been cleared, I call and they always have some excuse, never is their fault, they are saying I 'm 2 months behind my payments and that my insurance company has n't paid the motorcycle yet, when I have my bank statement and I fax it to them showing I have made all my payments, also I have all the paperwork from my insurance company showing the check number and copy of the check and transaction showing that they have already received the money and cashed it, THEY TOOK THE MONEY ALREADY, and they still XXXX my credit and they do n't update the information in the system, it 's seems like they want your money and XXXX you the way they can ... I filled a claim with my CREDIT REPORT and with the XXXX already, next step is going to put a lawyer in this case and they can figure it out with them.
My husband deposited his payroll check, in the amount of {$1400.00}, on Friday, XX/XX//18, after hours at the ATM of our bank, Citibank. He then received a receipt with an error message that said, there was a technical issue and the check can't be deposited or returned. There was also a customer service number on the receipt. We called on XX/XX/18 and they were less than helpful. They filled out a request for investigation but said it would be up to 10 days before we received our money back. I understand their policy but what I don't understand is why the customer has to have their funds tied up and be put in an uncomfortable position while the bank figures out its ' technical issues. I now have bills that are late and can't even put gas in the car to get to work. Their customer service department even told me that we shouldn't deposit checks after hours because " you never know with technology ''. I banked with XXXX for many years and never had this issue. I'm truly floored and extremely frustrated.
-There are two XXXX student loan accounts that are negatively affecting my credit report ( A redacted screenshot is attached. ) -The " first account '' was opened in XXXX. I experienced financial difficulty beginning in late XXXX. Despite making minimum payments, XXXX  charged-off the account in XXXX.
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-The " second account '' appeared on my credit report in XXXX. This second account is listed as being " In Collection. '' -There are separate telephone numbers for each of these two XXXX accounts. I called the number associated with the " first account '' and the recording indicated that XXXX no longer services student loans and that I should contact " XXXX XXXX. '' Upon contacting XXXX XXXX, I gave them my identifying information and they indicated that they could not find an account for me. I called the number associated with the " second account '' and the recording indicated that the number dialed was no longer in service.
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-Thereafter, I filed a dispute with the three major credit reporting agencies ( XXXX , Equifax , and XXXX ). The results of my disputes with the major credit reporting agencies stated that the information for both XXXX accounts is " accurate and has been updated. '' -Request for resolution : 1. How can the information related to these two XXXX accounts be " accurate '' when neither telephone number will put me in touch with someone with knowledge of these accounts?
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2. How were the major credit reporting agencies able to contact someone to allegedly validate this information when I can not do so with the information provided in my credit report?
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3. XXXX has neither notified me about the " second account '' that is allegedly " In Collection '' nor have they provided me an opportunity to address this collection account.
XXXX REFUSED VALIDATION REQUEST AND INSTALLED INQUIRY ON MY CREDIT. IGNORED CEASE AND CEASE, PAID ORIGINAL CREDITOR.
XXXX County Court for an account that I knew nothing about. Whilst investigating this information I approached XXXX County Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Trans Union make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.
In XX/XX/XXXX, I contacted Transunion and spoke with a representative ( foreign ) and provided him with an account in which I wanted to place under dispute, which was XXXX Account. Once I got the results back in XX/XX/XXXX, I noticed that he disputed the wrong account instead he removed a XXXX account that was reporting a {$0.00} and that was a fairly good account on my report. I contacted Transunion today, XX/XX/XXXX and got a foreign representative again and explained the dilemma and she stated there was no way that they could re-insert the account. I requested to be transferred to someone in the United States, preferrably the Special Handlings Department in which I got XXXX who was a supervisor in the Special Handlings department. After I advised her of the situation she advised me that though it was their error, there is nothing that can be done. They are not to remove accounts that were n't placed under dispute unless it is time for them to be removed by timeframe and it is not. 

Since this account has been closed for a while, I highly doubt that XXXX will start re-reporting this account, since this since this will there will be a fee incurred for them to do so.
I have contacted Experian concerning the Bankruptcy that is inaccurate and reporting on my Experian Credit Report under XXXX XXXX. I requested that it be removed from my account, after l contacted the XXXX XXXX XXXX Wisconsin United States Bankruptcy XXXX, who informed me that they did not verify or validate to Experian and they do not report to credit agencies. Experian still has not removed the Bankruptcy. I want it removed immediately.
I recently applied for a credit card through Amazon.com which cards are affiliated with CHASE Bank. I have only had the card 3 months and have been making timely payments sometimes twice a month. I recently paid my account on XX/XX/XXXX for XX/XX/XXXX. I was sent a email stating they didnt receive payment this month and it is late and they attached a XXXX fee. I made previous payment in XX/XX/XXXX for XX/XX/XXXX with no problem. This time I was told, I paid it too early I have to wait. My bill is due on thXXXX of each month.
requested verification regarding a bankruptcy on credit report. they stated it was verified as true. after contacting bankrupty court they stated that they do n't report or verify any information to the credit reporting company
The company ( Collection Bureau of the Hudson Valley ) accepted funds to legally settle a debt ( XXXX XXXX ) but never provided information that the debt was settled. They never refunded me or the debt management company ( XXXX XXXX XXXX ) I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : XXXX XXXX - XXXX. And the rep confirmed the same Account Number to me as well. 

The settlement we had worked out with Collection Bureau of the Hudson Valley was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. 
{$62.00} on XXXX/XXXX/2013 -- Check By Phone payment.
CapitalOne closed my account without any notice on XX/XX/2107. At the time of closure there were many transactions which were pending, and Capitalone never issued me rewards earned for pending transactions. 
The rewards amount by the end of XXXX was {$14000.00} The rewards credited to my account during the time of closure are {$14000.00}. 
That means rewards earned for the month of XXXX before closure are {$470.00}. The total transaction amount for the month of XXXX is {$37000.00}, and we expect 2 % in rewards which is {$740.00}. With that said we still missing {$260.00} rewards. 
Since this account closure is done by Capitaone they should issue me rewards for each transaction.
I took out a loan with Big Picture Loans ( a wholly owned subsidiary of " XXXX XXXX XXXX XXXX XXXX XXXX '' ) at the end of XXXX for {XXXX}. I did n't realize at the time that the APR for this loan was a staggering 683.3731 %. I was scheduled to make a total of 13 payments in the amount of {XXXX} every two weeks following the deposit of the funds. So far, I have made a total of XXXX payments in the total amount of {XXXX}, of which only {XXXX} has been applied to the principal balance. The remaining {XXXX} has been applied toward the interest. Since learning that Big Picture Loans is a tribal lender, I was made aware of the fact that this tribal lenders are not licensed to give or collect on loans in the state of Missouri, where I reside.
Social security profile was hacked and new bank account for direct deposit for wells fargo on XX/XX/2016 payment went into which is not my bank or account wells fargo refuses to return money back so i can get my payment to correct bank account
I made a purchase in the old navy store in XXXX. Prior to my purchase I was told that I would receive a certain percentage off. I believe 40 % or 50 % for signing up with their credit card. I made that purchase and saw that I got the percentage off. After I checked my credit report it showed that I had balance on an old navy card of {$80.00}. The remainder of my purchases that I was told I had saved.the representatives did n't tell me that the remainding balanced would be placed on the card. And now I 'm being charged for money that I should 've saved. I 'm a victim of false advertising and misleading a customer.
The Bayview says there is no option for me to keep my home. Either I have to pay the total principal balance of {$980000.00} it will be auctioned on XXXX/XXXX/XXXX. I worked hard to save money for down payment and still work hard to keep my home. Bayview had my loan modification request for months and on XXXX/XXXX/XXXX the notice of auction that is scheduled to auction my home on XXXX/XXXX/XXXX posted on my home door then denied my request on XXXX/XXXX/XXXX. 
I, XXXX XXXX, got a mortgage through XXXX on XXXX XXXX. I was paying my payment on time till XXXX XXXX. My financial situation got changed when I lost my job after my youngest son got into head injury ( concussion ) while he was playing lacrosse game on or about XXXX XXXX, he still is going through treatment. I got job here and there but none of them was permanent. I could just bring the food to the table for the family oXXXX XXXX I fell behind on my mortgage payments ; I was a single earning member of the family with my XXXX, XXXX kids, and XXXX parents with loss of income because I got lay-off on early XXXX. It was hard for me to keep with expenses. In the past we never had financial problems. There are so many expenses and managing a home and family of XXXX is hard. I exhausted all of my saving during the hard time that my family and I went through. Now, I got permanent job with good income. I am behind of my mortgage and also my income is not enough to pay all back payments which Bayview is asking to do so. As a result, I requested loan modification but Bayview denied my request and advised me to sell the property because there is some equity on it. I did purchased my home about 10 years ago. I put {$120000.00} which was all my family and I life saving as down payment toward the purchase of our home to be our permanent home and raise our children and take care of my elderly parents, I did n't purchase it to live for while then quit. I can not afford to lose my home. I am reaching you out to help me to keep my home which is only our investment and place to keep my family together. I am working hard to take care of my family as well as pay my obligations on time. Being father of XXXX children, XXXX, and only son of my XXXX parents has huge responsibility on me and I am not ready to lose our only investment after years of education and working hard with a family of XXXX, which is our home. I can not afford to lose my home and have my family on moving truck from rental home to another and be worry about my XXXX parents and my kids school while myself working full time. My family and I can not be homeless and sleep in street. I am requesting Bayview to reconsider my situation and put me in a reasonable payment plan. Bayview asks me to pay total balance of principal of {$980000.00} or will auction my home on XXXX/XXXX/XXXX.
On XX/XX/2018, I made an attempt to transfer membership reward ( MR ) points from my American Express ( AMEX ) account to my XXXX XXXX XXXX ( XXXX ) account. The transfer was blocked by Amex and I was unable to transfer my points to a trusted travel partner. The points are supposed to be used to book my XXXX award airfare to my own honeymoon next year. I already booked my wife 's ticket on XXXX. This is a time sensitive manner due to XXXX award tickets being limited in amounts and the time it takes to transfer MR points to XXXX ( at least 48-36 hours ). If my MR account freeze is not lifted in a timely manner ( within 24 hours ) I am afraid all XXXX award flight tickets will be redeemed by others, leaving me stranded on my own honeymoon.

I have contacted the MR department several times VIA phone and online chat function to try to remedy this situation. I have spoken to customer representatives and supervisors regarding my case. Every attempt to remedy the issue or get clarity has been futile. This is my last attempt to make things right.
I fell behind on my car payments due to medical reasons. I contacted Ally to setup payment arrangements and spoke to XXXX on Wednesday XXXX/XXXX/XX/XX/2015 with the XXXX payment to be made on Friday XXXX/XXXX/XX/XX/2015 XXXX assured me as long as I made the payments my car would not be repo 'd. On Friday XXXX/XXXXXX/XX/2015 my car was gone. I call and spoke with XXXX and several other who would not help me or give me any information. I contacted the redemption center on Monday XXXX/XXXXXX/XX/2015 and spoke to XXXX who quoted me {$2000.00} to redeem vehicle by XXXX XXXX, XX/XX/2015. I contact the redemption center on XXXX/XXXX/XX/XX/XXXX to get the XXXX information to make the payment necessary and I was told I needed to pay over {$7000.00}. They stated this was to close my loan out and that was the only way I will get my vehicle back. I spoke to several people that would not help me, they would not give me a copy of my contract or any payment history.
In response to Case # XXXX. XXXX XXXX did n't read the cover letter or any of the supporting documents that were highlighted! They only responded to a {$5000.00} line of credit I had opened with XXXX XXXX in XX/XX/XXXX. That account was closed in XX/XX/XXXX and was paid off and never late. The account in question, created fraudulently by XXXX XXXX Credit card services in XXXX, was sold to XXXX XXXX and collected my XXXX XXXX XXXX in XX/XX/XXXX ( {$80000.00} ). Their actions violated the Dodd-Frank act and addressed by ( XXXX ). The actions of XXXX XXXX and carried out by the Credit Agencies, caused physical and financial harm over the last 7 yrs. Robo-signed court documents created by XXXX XXXX Lawyers used by credit buyers to sue innocent customers! Please attach to the original complaint. 
-XXXX XXXX XXXX XXXX
I filed a complaint Case # XXXX and the claim was closed before i received my credit report. XXXX is still reporting incorrectly to Trans Union and possibly XXXX. 


At the end of XX/XX/XXXX I contacted XXXX XXXX  via phone and in the process the customer service rep asked me to verify personal information. I was asked to verify my birthdate and when I replied XX/XX/XXXX the rep refused to continue the call because I did not answer correctly. I called back and spoke with a different rep and was informed that there were multiple ways to verify a customer account and the birthdate didnt need to be verified to continue discussing the account. At that point I was concerned I had this account since XXXX Shortly after XX/XX/XXXX I received a letter notifying me that the Mortgage Origination Date was corrected on XXXX for tax year XXXX and I would receive a copy via mail. I immediately called XXXX and spoke with XXXX XXXX and she informed me that my case XXXX was being handled by XXXX XXXX and gave me his direct contact number XXXX XXXX XXXX which did not work. While on the phone with XXXX I checked my credit report for all 3 credit bureaus and discovered that TransUnion did not have XXXX XXXX  reported at all only XXXX XXXX. I refinanced and had a first loan with XXXX XXXX and a second line of equity with XXXX XXXX  in XXXX. I refinanced the first loan with XXXX XXXX  in XXXX and the loan was paid off but I still had the second loan with XXXX XXXX. TransUnion had no record of XXXX XXXX  which explained why my credit score was 30 points lower than XXXX and XXXX. I immediately initiated a dispute with TransUnion and they responded swiftly XXXX XXXX XXXX stating there is nothing they could do because the account never appeared on the report. I then submitted another complaint disputing XXXX XXXX  instead of XXXX XXXX after speaking with a manager at TransUnion to get XXXX to respond so they could discover the error with my XXXX XXXX. TransUnion responded XXXX XXXX XXXX to the second dispute and I still had not heard from XXXX XXXX.