WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased over {$2000.00} in furniture from XXXX XXXX using the store credit card issued by XXXX XXXX on the promise that I would receive {$200.00} in rewards I could use at XXXX XXXX. We ordered the furniture in XX/XX/XXXX, our card was charged on XX/XX/XXXX. As you can see from the attached statements, we had a {$25.00} reward certificate with the XX/XX/XXXX statement and an additional {$170.00} certificate with the XX/XX/XXXX statement. However, when I tried to redeem them I was told that the account had been closed and the {$170.00} certificate was no longer valid. I was not notified that the account was being closed or that the certificate was no longer valid. I contacted XXXX XXXX and they referred me to XXXX XXXX as the card issuer. When I contacted XXXX, they told me the account was closed and as a result, the most recent certificate was no longer valid. I did not close the account, it was still active and carrying a balance, and in good standing. The account will be paid to zero on the next due date, XX/XX/2019, and I don't understand why if I can make payments on the account I can't use an unexpired reward certificate. This is unacceptable. I expect either a store credit or for the certificates XXXX has already awarded to be honored. XXXX has been completely uncooperative in resolving this or even explaining why an active account was closed without notice.
I received notification from my credit union ( XXXX XXXX XXXX ) dated XX/XX/XXXX that a levy had been served on my account in the amount of {$10000.00} and was debited {$2400.00} from both my checking and savings. They also included a copy of a judgment. I immediately inquired into the judgement and found that the debt owed was from the year XXXX. I was unaware of a balance due from that time nor did I ever receive communication regarding the debt, nor was I ever serveda a subpoena. The Plaintiff/Creditor is listed as XXXX XXXX XXXX who hired the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. As stated I do not know what this debt is for as it has been 13 years since it was first issued according the to judgment nor do I believe I am liable of this debt. Now I have been debited my year 's savings and need it back urgently.
When I applied for the GE Capital for Promotional Purchases at H H Gregg for {$4600.00} on XXXX/XXXX/XXXX, I was told by the sales person that if I set up auto-pay for the minimum payment due, it 'll be paid off in about two years without incurring interest charges. So I set up auto-pay and e-Bill with confidence that the balance will be paid off by auto-pay in about two years. Later on GE Capital changed name to Synchrony Bank and the web site and email also changed. There were some confusion about the web site and emails during the transition. When I received " Your H H GREGG / SYNCHRONY BANK Statement Is Ready '' email from Synchrony Bank, I looked at " summary of your statement : Payment Due Date, Statement Balance and Total Minimum Payment Due ''. In XXXX XXXX it came to my attention that the Statement Balance on the email had a huge increase so I logged on the Synchrony Bank web site to check the statement and found that {$3200.00} Interest Charges was added to the Balance. The XX/XX/XXXX and XX/XX/XXXX Synchrony Bank emails DO NOT have the alert " Urgent! ... Promotion ( s ) expiring shortly ... " message in the email body as it was printed in red on the Statements. So I missed the Statement details and did not pay off the remaining balance of {$2300.00} on promotional expiration date of XXXX/XXXX/XXXX. Upon realizing the lapse I immediately paid off the remaining balance of {$2300.00} and called the Custom Service to explain the situation and requested a fair and reasonable way to fix the problem. I was told nothing can be done and I just have to pay the {$3200.00} interest charge. I feel very strongly that it 's outrageous that I am forced to pay the {$3200.00} interest charge on a {$4600.00} original purchase because the monthly SYNCHRONY BANK emails did not contain " Promotion Expiring '' alert messages. I always have a perfect credit score and never had a situation like this before. I wrote to SYNCHRONY BANK twice, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, to explain the situation and request their help to resolve this issue in a fair and reasonable way. SYNCHRONY BANK responded on XXXX/XXXX/XXXX simply stated that " We have received your request to remove the Late Payment fee ( s ) assessed to your account and after reviewing your account, we are unable to fulfill your request. '' This is completely incorrect. I always paid on time via automatic monthly payment schedule. My issue was regarding the " Promotional Interest Charges '', not the " Late Payment fees '', as indicated in BOLD on the Subject line of my previous two letters to them. SYNCHRONY BANK continues to charge on top of the {$3200.00} " Promotional Interest Charges '' at 29.99 % APR. I wrote to SYNCHRONY BANK the third time on XXXX/XXXX/XXXX to tell them that they 've mishandled my request and asked them to review and reconsider my case. I also told them that I have filed a complain with Consumer Financial Protection Bureau. In the meantime as a show of good faith I continued to pay the minimum payments of {$130.00} and {$110.00} due on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively. 
Your help in this matter is very much appreciated. 
Thanks, XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : On XX/XX/2018 I sent a police report and letter to Experian stating my identity had been compromised. I notated the accounts that needed to be addressed. XXXX XXXX XXXX XXXX - acct. XXXX - XXXX XXXX- XXXX. Experian responded with " contact the creditor '' in which i had already done. Experian violated sections 605, 609, and 611 of the  FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Experian has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act.
There is an old fraud account from chase on my credit report being reported as a charge off. XXXX refuses to remove the account even though it is inaccurate and I have supporting documentation. The account in question is part of a fraud case and to resolve the case chase and I agreed to settled. The account was should have been removed but XXXX refuses keeps saying validated. I asked for information as to who or whom they validated and information they submitted but XXXX has not sent me any information pertaining to that, but yet after a recent dispute XXXX reopens the closed account and re-ages its. I have supporting document to show account was closed and paid.
Received a letter from Debt Relief Center, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX stating its the second notice to collect a debt of {$30000.00} at a proposed settlement of {$15000.00}. I issue is I dont owe any debt so this is a scam.
I had been involved with a Wells Fargo Bogus Loan.The only way I knew about this was when it popped up on my credit report.I had banked @ Wells Fargo For years { off and on } Around XX/XX/XXXX-XX/XX/XXXX-Or so, { cant pinpoint the date, due to all information was on an old computer } Any way, The Bank had an outstanding loan out on me that i was not aware of, I had a loan a few years before, However it was paid and satisfied.I spoke with the company { wells } XXXX branch, About the loan that was not mine.They would not budge on assisting me in resolving the issue.My credit is what suffered! I had finally contacted the Federal Trade Commission about the bogus loan or mistaken identity loan out in my name.As far as i know, this was never resolved? Now fast forwarding to the issues with said bank practices ... I have to wonder if i was a victim of this fraudulent practice as well.And i have no idea on how to move forward with resolving this issue on my credit report.During this fiasco..I had several XXXX in my account.More than XXXX
I continue to receive collection calls from Chase ; even though account is current : Pay due on account XXXX of month ; after XXXX of month acct is past due ; I received at least XXXX collection calls between XXXX ; when I questioned caller ( s ) why I was receiving collection calls ( each time caller advised this is attempt to collect a debt ) I was advised they were courtesy call : I advised I felt that I was being harassed ; and further that I was going to call the " Consumer Protection Agency '' to ask if it was legal for them to continue to call me about account which was in " current status '' : I was previously assigned an account assistant by Chase ; XXXX XXXX XXXX XXXX however, she never contact me ; msg left by me to her were never answered : My Mother is now deceased her income ( {$2000.00} per month ) was considered in terms of mortgage ; my retirement income is {$2300.00} per month : Chase mortgage payment is now approx. {$950.00} per month : The acct is now current ; please do not continue the harassment : Thank you : Signed :
In XXXX of XXXX, I shopped at XXXX, XXXX, XXXX XXXX, and only browsed XXXX. After the purchase, I received credit cards from all 4 merchants. 

XXXX -- product returned immediately, but they still showed charges of over {$40.00} XXXX -- charged for partial order, but was not aware. In XXXX they sent the item and started sending me bills for over {$60.00}.

XXXX XXXX -- product received, but they were charging me {$37.00} for the yearly card. 
XXXX -- looked for a particular item and left. I still received a card asking for yearly fee. 

Tried to call XXXX XXXX several times as well as store customer service, but nothing was resolved. I finally received a call from XXXX on XXXX XXXX, they listened to my complaints about receiving cards and they said they will close all and clear the accounts. However, as of XXXX XXXX, XXXX, XXXX claims I owe them {$58.00}. Spoke with the number provided and told them that account was cleared by the bank. They insisted it was not. I am suspecting the other merchants will do the same, harass me until they receive the money they think I owe. I am hoping that someone will help us before anything else happens. 

These merchants and the XXXX XXXX XXXX are committing fraud. They should be penalized and punished every possible way. They are misleading the consumer. As for me, I will not shop at the above merchants again.
As of XXXX XXXX I received a statement from XXXX XXXX Mortgage to pay for VA XXXX XXXX charges and fees of {$7500.00} as I have been waiting for VA XXXX underwriters approvals for my VA XXXX XXXX since XXXX XXXX till Present. 
I can not pay {$7500.00} for VA Mortgage or VA XXXX modification Fees and property Inspections charges and fees. 
Why is XXXX XXXX Mortgage investors Underwriters stalling to approve and make my VA Mortgage affordable under {$7000.00} - {$1800.00} a month.? 
It appears that XXXX XXXX Mortgage is continuing to Retaliate and Discriminate me as a Cuban-American XXXX Military Veteran.and Plus my XXXX Lifetime status. 
I am waiting for the new VA affordable Mortgage payment so I can start making my timely payments starting XXXX XXXX. 
Also in due of respect to First XXXX Mortgage I have told lender administration in writing and verbally phone conversations that I do n't have no Attorney representing me of XXXX, Texas Attorney XXXX XXXX. He is no longer my attorney. 
XXXX XXXX was my representing attorney for Bankruptcy XXXX XXXX on XXXX XXXX. 
Lender keeps Retaliating me with adding attorney XXXX XXXX on their letters and statements. 
Why lender keeps doing this to me because I keep filing complaints and I am XXXX or by showing Consumer Financial Protection that Attorney still active?. 
This is false and fraud on XXXX statements to Federal Government. 
Federal Government can confirm with XXXX, Texas Attorney XXXX XXXX is not my representing Attorneys. Here is the contact phone number XXXX for their legal firm in XXXX, Texas. Their address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX VA XXXX modification approval has been halted over 60 days and now is another 30 days for VA XXXX approval and Lender wants me to pay {$7500.00} in which I do n't have and can not afford to pay. 
It appears that VA XXXX wants to " Foreclose my home on XXXX XXXX so lender does n't have to worry about the wrongful and unlawful acts of Frauds and escrow and VA XXXX. 
I am XXXX Lifetime and Retired and Divorced and I live alone in my home and limited XXXX Lifetime Income Pension Retirement. 
I am not eligible for Social Security Benefits. I am XXXX XXXX XXXX and I was denied Social Security Benefits. 
VA XXXX can come and inspect my home with Federal Government. 
This is a Very Urgent Matters ..
I have attempted to get a statement of services from this company for over a year. I have called twice and requested one. I attempted to contact the hospital where service was rendered, but they keep directing me to this collection agency. 
I am disputing that the debt is mine in whole. I have not received any information ( in writing ) despite my attempts. I also would like to confirm the date of service and the total amount of my insurance coverage ( if applicable ).
there have been an old inquiries on my Experian Report for over 2 years old that suppose to have been removed it's for XXXX card the removal day was suppose to be XX/XX/2018 the inquiry still on my report. 
I want it removed
there were several unauthorized charges totaling over {$3000.00}. they were all cash advances taken from my card. i submitted a claim and filled out and sent back a form stating that i did not make these charges. 2 weeks later i get a letter stating that they found these charges to be correct and put them back on my card. I have NEVER taken a cash advance on XXXX crdit card ( i do n't even know how to do this ) they said i would have had to use a pin number, I 've never had one! as far as i know you would have to go into a bank and show an ID to get a cash advance. Obviously It was not me. At the same time i had fraudulent charges on XXXX of my other cards however the card companies did their investigations and removed the charges. Discover advertises how you are not responsible for fraud. Discover is making me responsible.
I applied for a loan modification and was denied. However, Suntrust offered me the option for a conditional short sale. I have met all of the conditions requested, and have repeatedly sent in items that they have re-requested. During this time, they have refused to make a decision and have repeatedly tried to get a decision from the bank based on the completion of the short sale package. My realtor has exhausted all their efforts to get us to closing on time. However, Suntrust has yet to make a decision or even get to the decision making process.
Navient is not processing my payments for upward of 7 days!. All the while interest is still being charged on the principal due before the payment! I am sick of it! This continues to happen even though I complain every time I make a payment. 
Acct # XXXX
I had to two accounts with American Express, cancelled one on XX/XX/XXXX and the second on XXXX/XXXX/XXXX. The first was cancelled - no issues. The account closed on XX/XX/XXXX has still not be been closed even though I called them on XXXX. I even mailed a letter complaining about the reason I closed the accounts, to no avail, and yet, the second account still remains open! I do have a problem with a company that ca n't process payment 8 days from the time I mail the check, and manage the to cash the check on the 9th day so that they charge an extortion rate interest charges.
I graduated from XXXX XXXX in XXXX. I plan to work for a XXXX XXXX  and so initiated on the income based repayment plan, with hopes I would qualify for the Federal Student Loan Forgiveness program. Initially, this was not a big issue. However, several years ago, my loans were transferred to Pennsylvania Higher Education Assistance AgencyXXXX and ever since even enrolling in income based repayment is an issue. This year, I submitted my financial information via two sequential paystubs at the end of XXXX. Apparently, they sent me a letter ( otherwise, all my payments/communication done via email/online mailbox in this system ) telling me this was not accepted as it did not state if I was paid twice a month or every other week so it was refused. I started to be billed for regular payments on a standard 10 year plan, with a monthly payment of ~ {$3700.00}. I work in XXXX XXXX and finally called - all they needed was for me to tell them over the phone and resubmitted the request last week ( XX/XX/XXXX ). On XX/XX/XXXX, I received the following message " We will process your Income-Driven Repayment ( IDR ) recertification request once the final bill of your current schedule is generated on XX/XX/XXXX. '' I called them today ( XX/XX/XXXX ) and after a 15 minute wait to get someone on the phone, they state that this was generated in error. The gentleman I finally spoke with on the phone did state I needed to make a forbearance payment before even being eligible to switch the plan. He put in a request for this, and I should get a bill for this in XXXX or XX/XX/XXXX, after which they will reactivate my request and hopefully approve me again for income based repayment.
On XX/XX/2018 I mailed a validation of debt to the alleged debt buyer, in the letter I made clear what information I needed from them, I also warned them that if they are reporting this debt to a credit bureau that they could be facing legal action, I also demanded that they only communicate with me through the mail system. They have violated my rights by flagging and reporting me to the credit bureau, they continued to call as per proof. This company has a total disregard for my rights as a consumer and do so without repercussion. 
It is my position that since they failed to provide me anything to validate this debt then I do not owe them anything.
Previously I submitted documentation disputing the {$730.00} charge from XXXX XXXX   XXXX # XXXX on XX/XX/18. I originally submitted the dispute on XX/XX/18, then again with more information on XX/XX/18 and again on XX/XX/18. The charge was disputed as I had returned the purchased merchandise but not received a credit from the merchant. I provided all the relevant information including my call log with the merchant and original billing statement. Chase either neglected to acknowledge the dispute or the acknowledgment sent did not have any information identifying this charge. The same is true for Chase 's written request for further information. 
Despite not providing any information identifying the charge in either the acknowledgment of dispute or request for further information on XX/XX/18 Chase sent a letter stating I had failed to provide information on the dispute. I'm attaching all disputes filed as well as evidence the information was received. Thus Chase failed to comply with 15 United States Code 1666 Correction of billing errors statute.
This company makes repeated auto calls to my cell phone. After calling the number, I am told the line is being monitored by court order and they are trying to sue me for fraud. The person said that unless I would like to be served at my place of employment or provide a home address, I can pay them {$480.00}.
Upon change from one job to another, I promptly informed the lender that my pay cycle has changed and I would require a change of my billing dates to XXXX that. I was told no problem and representative took note of future pay dates and loan payment cycle. However vendor continued to bill on regular cycle causing overdrafts and fees.
reference : CFPB # XXXX / XX/XX/XXXX Debt was disputed and removed from my credit history. CitiBank resold this " again '' ~XX/XX/XXXX despite the resolution in XX/XX/XXXX. Now showing on my credit as NEW in XX/XX/XXXX ; which is, in my opinion, inaccurate and inappropriate. This is a complaint against CitiBank and the current collection company. XXXX XXXX XXXX. Please remove from credit history and collections. It is wrong to close and remove then reopen as NEW. Once closed, it was resolve. Feeling harassed.
I have a complaint against an FHA approved lender related to the origination of an FHA insured mortgage, Property AddressXXXX XXXX XXXX XXXX Fl, XXXX Your name and contact informationXXXX XXXX, contact via email or ( XXXX ) XXXX XXXX Lender InformationXXXX XXXX - Home Mortgage ConsultantWells Fargo Home MortgageXXXX XXXX XXXX. 
XXXX. XXXX, FL XXXX ID XXXX The FHA Case NumberDo not currently have, but should be on record. 
Documents relevant to the complaintAs needed ... 

This is a few years old, and I do wish to file a complaint. I was thoroughly disgusted with how I was treated by Wells Fargo in the purchase of this home. 

Started with Wells Fargo mid XXXX 2011. Initial visit stated I would be approved for an amount to cover the house. I filled out all the paper work and jumped through all the hoops ( paying off credit cards ) as asked by them. 

Wells Fargo DRAGGED out this home purchase, what do they care? But to buy a HUD home, you have 45 days. Then every 15 day extension was about {$370.00} ( plus overnight shipping $ XXXX ) ... By the end of XXXX I 'm getting ready to send in for the XXXX and final 15 day extension ( almost {$1000.00} I had to pay ) and Wells Fargo comes back with, " you are approved for the purchase price, but we will not finance this house due to things we found in the inspections ( bank and mine ) ''. 

I found another mortgage company and asked if they could get this done as soon as possible, being my XXXX 15 day extension was ending soon. 

The XXXX mortgage company, XXXX XXXX Mortgage, which I approached in early XXXX 2011, was able to close in a few weeks time on XXXX XXXX, 2011. 

I have been living in the home since. 

A few months after the closing, the mortgage was sold. Guess who bought it? 
Wells Fargo. 

So they were able to run me through XXXX HUD / FHA extensions totaling around {$1000.00} out of my pocket, at one point the Wells Fargo Realtor yelled at me on the phone, then THEY DENIED me buying this particular home and after another company did the mortgage closing, they bought it, on the same exact house they would not sell to me. 

Is there anyway I can get any of my XXXX, 15 day extended closing costs back ( almost {$1000.00} ) due to their incompetence in running me through all XXXX extensions, denying me to finance the house through them, then buying the financed house mortgage from another company?
I have derogatory information on my three credit bureaus from XXXX, XXXX and Experian that are not correct I’ve tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didn’t authorize could someone please help me out with these problems I’m having thank you.
I have filed for Bankruptcy Chapter XXXX back on XXXX XXXX, 2013. Discharged on XXXX XXXX, 2013. All accounts should be showing Chapter XXXX bankruptcy on my credit report, however last month I discovered that my XXXX XXXX XXXX account was reporting as 'Opened ' and 'Late '. When I filed a dispute with Experian, the results came back as a 'Collection ' item. Item was NEVER placed into collection. It should be part of bankruptcy. Please help.