WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a timely claim form to the National Suntrust Settlement Admin and have verified thru their toll free # that the claim form was received via their website. I have been periodically checking the status thru the automated system and have spoken directly to several different representatives and as of today, the only information being provided is that the deadline to file was XXXX/XXXX/15, checks are to be released XX/XX/2015, and that there is no further information or an exact date for payments to be issued. Are they not bound by any law to distribute payments to eligible borrowers w/i a specified timeframe?
I applied for a Macy 's credit card and used it to buy some chairs. The chairs were defective and I returned them with Macy 's approval. It took Macy 's a long time to apply the return credit to my card. They charged me late fees and then reported me as late pay on my credit report. I just got denied on a mortgage loan application because of this. 
The " lost money '' amount reflects the higher interest rate I will be charged on a mortgage loan because of this.
This account was in forbearance but late payments from the end of XX/XX/XXXX-XX/XX/XXXX are reported. If the account was in forbearance there should not be any late charges reported on all 3 credit bureaus.
Synchrony Bank Credit Card withdrew {$3800.00} dollars from my bank account, rather than {$38.00}, as they were authorized. When I contacted Synchony, I was told they did not make the withdrawal, a third party did, on their behalf and that I would have to call back in 2 to 5 days to get my money back. They also told me they do not have a complaints or compliance department.
Attached are proof they have NOT been removed. That PUBLIC RECORD ON FILE and Also a Account for UTAH OFFICE OF RECOVERY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
On XX/XX/18 I opened a BBVA Compass Checking account with the promo code with the XXXX XXXX " XXXX ''. This entitled me to {$100.00} for making a bill pay equal to or greater then {$25.00} to a utility company. On XX/XX/XXXX I initiated a bill payment to a water company in the amount of {$130.00}. On XX/XX/XXXX I sent a secure message inquiring why my bonus wasn't paid out yet. I received the response saying I needed to deal with the issue in branch. I don't have access to a branch due to me being away at school. The bonus never had anything to do with a branch and the account was opened online. I use XXXX due to there nice online banking I don't do banking in branch all too much. There is no reason XXXX can not fulfill their end of the deal and payout the bonus.
We refinanced our existing loan and closed on the loan on XX/XX/XXXX. We were told that as long as the refinance was completed before the due date of our old loan ( XX/XX/XXXX ) that it would not report late. The refinance closed on XX/XX/XXXX as planned and the company ( XXXX XXXX ) that held our old mortgage received the paperwork by XX/XX/XXXX. However, they then proceeded to put a 30 day late payment on our ( me and my husband 's credit reports ). They have been so completely rude to us during this process as well. Almost as if they are putting the late payment on our reports because they are upset that we did n't refinance with them or keep the loan with them. Regardless, their reporting is illegal and inaccurate and they refuse to fix the issue. They even put a late payment on our report for XX/XX/XXXX so we have 2 30 day late payments on our reports even though we were refinanced by XX/XX/XXXX. We have a late pay for XX/XX/XXXX and XX/XX/XXXX on our report. It has been a horrible experience and i would hope that no one else has to go thru anything like this. We have already tried working with the mortgage company and correcting the reporting with the credit bureaus but been unable to fix the issue. Please help us any way you can.
Wells Fargo XXXX credit card approved me a promotional offer of no interest if paid in full within 18 months. Half-way through the terms I noticed the company was not charging me equal payments but slightly lower payments to ensure that I would be required to pay the full interest amount at the end of the term. After noticing this, I put down several large payments to remove the balance. The balance was paid on time before the end of the promotional period but I was still charged the {$4000.00} in interest. During a phone call to the company, the representative stated that my last payment ( {$370.00} ) was partially applied to another purchase ( amount of {$290.00}, to a balance of {$850.00} ) instead of paying off the remaining balance of the 18-month promotion ( {$230.00} ). The representative said that the terms I signed up for did not state equal payments nor were they required to expend the minimal payment amount to the oldest promotional balance first. This is a predatory tactic aimed to trap the consumer. Please resolve.
I have been contacted by Premium Assets regarding an account with XXXX. The person contacting me was XXXX XXXX and her supervisor XXXX, this man called my work repeatedly harassed me and screamed at me. I asked him to not call my work and he disregarded me. 
He spoke to my boss about my account. And threaten me about garnishing my wages.
I have been a victim of iden tity theft. In 2014 some  one used my information to open a phone account with   XXXX   XXXX  . I disputed the balance with one of the credit bureos and got it successfully over turned. I was unable to file a dispute on the other bureos regarding the fraudulant balance due to " online issues ''. The other problem is that there is an address tied to my  credit score  that is not mine. (  XXXX  tenessee ) i currently riside at  XXXX   XXXX   XXXX .  XXXX   or,   XXXX . The other address was fraudulently submitted and needs to be removed for fear of more info being stolen.
I XXXX XXXX do not agree with a collection process initiated against me. There was only a letter from ARS National Services , Inc., stating that they have been hired by XXXX XXXX XXXX XXXX, without proof of transfer. The Federal Trade Commission made it clear in a decision against a national debt collection agency in 2009 ( FTC v. XXXX XXXX XXXX XXXX that a collection must show proof, i.e. a written transfer of information and the right to collect on a debt. My rights have been violated under the Fair Debt Collection Practices Act. ARS has posted a collection on my credit bureaus without first submitting proof that they had the right to collect on a debt. I am not disputing that there was an obligation owed to XXXX XXXX XXXX XXXX, what I am disputing is the egregious act of destroying my credit without going through a legitimate process. I have already been a victim to an FDCPA violation and a violation of the FTC mandate to validate a collection, as well as showing proof that the collection is well within state guidelines where I reside. Since I am a XXXX XXXX member of the United States XXXX XXXX, I take my rights serious, as much as I take my loyalty to the United States. Therefore, I believe ARS should accept a settlement in the amount of {$200.00}, and state on record that any reference to me personally on all pertinent credit reporting agencies to delete all information against me.
I received phone call on XX/XX/XXXX about accumulated debt of XXXX for bed I am purchasing. Advised the representative I had just made a XXXX payment on XX/XX/XXXX and would try to pay more on XX/XX/XXXX with my next paycheck. The phones calls stopped till XX/XX/XXXX, when they started trying again to collect outstanding balance on my account. I advised them that I could not make another payment till after XX/XX/XXXX. Further was going to advise that previous representative said further calls would be prevented till XX/XX/2018, but new representative advised since no payment can be collected further collection calls will continue. And ever since then, they have called 5 times a day starting around XXXX - XXXX daily.
I have student load debt from XXXX. The original lender was XXXX XXXX, then XXXX. Within the last 4 months it was transferred to XXXX, XXXX, and then XXXX XXXX etc. I have not received any update on transfer. On XXXX, Performant called my XXXX year old grandmother re my student debt. My grandmother is not a co-signer nor contact from the original debt. She is also XXXX. When she answered the phone, Performant told her that I had a debt and if I was not available could they speak to XXXX XXXX ( my mother ). My mother is not a co-signer on the debt. As my grandmother tried to figured out, the helper came into the room. She saw my grandmother in distress and took the phone. At that time, Performant also told her that I had a debt. At that time, the helper asked for contact info and Perfomant refused. She called my mother who in turn called me. I went online and called the general number to resolve the issue. It was frustrating because I could not get any information no the nature of the debt all though Performant told my grandmother and her helper. I've tried to get documents in the mail and Performant refused. It is very confusing to keep track of student loans when it transfers to several different lenders within months with no written communication. Additionally, now, my grandmother is concerned about my debt and she is in frail health.
Every time I had trouble making payments, the reps at Navient advised me to take a forbearance and stated " it 's okay, just put your payments on hold and then try to begin payments in a year or so ''. The additional interest rates that added to my total balance make it so much harder to pay down my balance. I switched to another lender ( XXXX ) and they have me on an reduced payment program. I feel that the interest added on by Navient should be removed so I can responsibly pay off my debt.
My home was flooded with Hurricane Harvey. I requested forbearance with XXXX XXXX XXXX. I have come to learn these months of rebuilding my home, my mortgage is being reported negative.
I have several on line CDS with Barclays Bank US. Barclays Bank US, sent me an email, as they do every month on line Statements ready to view. When I logged into my account as I have been doing for the past almost 4 years not only was there no statement, but all the prior statements had disappeared as well, as if the accounts were non existent. 

I had also earlier written a review about Barclays Bank as I had become concerned about this Bank, when earlier I had inquired about Loans and interest rates. I was kind of shocked when they asked me did I have an invitation. They only lend by invitation, what a strange Bank I thought, so I asked them all the money I am putting in this Bank where is it all going? They refused to answer that question, so I did research about that and wrote a review on Barclays recommendations. This they deleted of course, as it seems they only want great reviews not truthful ones so they can suck in more people to deposit money. 

I had become so concerned that the quarterly filings Banks file on earnings etc, I asked them where I could locate that, so I could check their financial condition. Their response shocked me that is not available and they are not required to file. While they have FDIC Backing and supposedly my money is insured. My question is why is this Bank not required to file as all other Banks do?
I became so concerned that the one savings account that I had left that could be closed without Penalty I did, and requ
ested a transfer that same day of all the interest earned on my CDS. I was told that it would have to be one transfer. This again was not completed on the Business day of Friday as I requested, but then on Saturday it was done that I had requested transfer of this money, it was all individual transfers from each CD. I am very concerned about this problem of deleting Statements and not making them available to customers. Am I the only Customer this is happening to? Or is Barclays Bank retaliating against me because of the questions I have posed to them
I noticed XXXX judgments on my credit report with Equifax. I notified them that they did not belong to me. My father has the same name, but different SSN and DOB. All they did was go to the public records of the XXXX XXXX XXXX in XXXX, IL and said because it was the same name as me, it must belong to me. I also contacted the credit card companies and they advised that they could do nothing for me. These are not my debts and should not be on my credit report.
I ordered my XXXX  report and it indicated that I still have an open checking account with TD Bank. I contacted TD Bank and they confirmed that I do not have any open checking accounts with a balance. They informed me that I need to contact XXXX in order to get the information updated and/or removed. The date it was reported was XX/XX/XXXX. The closure status says : NOT REPORTED. The amount is for {$590.00}. I paid this account off in full in XX/XX/XXXX.
I am disputing all four negative / delinquent accounts with XXXX XXXX. The aforementioned accounts are being disputed because an agreement with XXXX XXXX was initiated on XX/XX/XXXX to have payments reduced and changed to Income-Driven Repayment Plan due to a change in lifestyle and finances. I was advised that I would be granted a reduced payment forbearance so the change could occur. The reduced forbearance payment was {$5.00}. The payment was supposed to be automatically drafted from my XXXX XXXX XXXX XXXX XXXX XXXX account on XX/XX/XXXX, but was not drafted ( even though XXXX XXXX drafted the other account on XX/XX/XXXX ). This error has caused my account to show delinquent in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all credit agencies. 

I called XXXX XXXX to remind them that I was on a reduced payment forbearance on XX/XX/XXXX, after I noticed theyd drafted {$360.00} from my account, as well as {$42.00}. They assured me that the {$5.00} would be applied to my account in both XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX the reduced forbearance payments were applied. On XX/XX/XXXX, the income-driven repayment plan went into effect and was partially drafted from my account ; Only {$190.00} was drafted, not the amount for {$33.00}. 

The enclosed documents will prove that the four negative / delinquent accounts with XXXX XXXX was an error on XXXX XXXX. Again, XXXX XXXX has automatic access to draft my account for student loan payments. These payments are supposed to come out of my account each month on the XX/XX/XXXX and XX/XX/XXXX to prevent delinquency. The {$5.00} payments for forbearance had to be manually withdrawn from my account, which meant I had to call them and ask them to take it out of my account I did that each month ( two months because XXXX XXXX failed to apply the forbearance when I initially signed up for it on XX/XX/XXXX ). 

In addition to my accounts being reported as delinquent, I was not given proper notification advising me of these issues. XXXX XXXX had my telephone number, mailing address, and email address to advise me of any issues they were having with my account, and the company failed to advise me. 

XXXX XXXX have recently ( XX/XX/XXXX ) informed me that a standard level payment ( SLP ) of {$590.00} was not paid after I changed my plan. According to XXXX XXXX I was supposed to ask for a forbearance to cover the SLP of {$590.00}. The {$590.00} was taken out of my account between XX/XX/XXXX and XX/XX/XXXX. I agreed to the Income-Driven Repayment Plan ( IDRP ), a contract, which is enclosed. That plan / contract did not inform me that an SLP would be applied to my account. According to the IDRP, I would be granted forbearance for the months I paid {$5.00}. 

The inaccurate reporting has caused my credit rating to plummet, as well as my morale. Ive disputed XXXX and have received no support. I pride myself on my ability to pay my bills promptly, with minimal debt. I have NEVER been late in paying XXXX. XXXX has diminished my credit score and my trust in the most disrespectful way. It is my hope that the above-referenced accounts with XXXX XXXX be updated and restored from negative markings.
Was actively solicited a half dozen times by American Express Business Gold Card offer. The solicitation was in the name of our s-corp. we applied and were approved. The offer stated that we would received XXXX, XXXX points if we spent {$5000.00} on the card in 3 months - however when it came time for American Express to award the reward points - they claimed that since we had a card previously we were not eligible. 
In later communications they claimed since the person who applied for the card had previously had a gold card - that we were not eligible. Our concerns are : 1. Why would they continue to actively solicit us for their card if we are ineligible? 
2. Why would they approve us and issue a card but not inform us that we are eligible for the reward? 
3. Why would they wait to inform us until after we achieved the desires card spend targets needed to qualify a significant portion of the awards? 

On XXXX/XXXX/2016 we spoke with a XXXX XXXX from American Express who apologized and explained that they have no way of suppressing customer solicitations to those that are ineligible to receive the awards -XXXX explained its in the disclosures - however its not something we could find. 
Lastly - they solicited the small business we own for the card - and we applied for the card in the name of the small business ( an XXXX ) which is a different entity from the individual. Under this type of solicitation and application - our assumption is that the card is associated with the XXXX and since the entity had never previously had a card - we should receive the XXXX points - however XXXX XXXX explained that although the solicitation was in the XXXX name - and even though they ask for an obtain the TIN - that the card is issued to the individual ( the card has the company name on it, was applied for under the company name and TIN ) - and therefore the eligibility is evaluated based on the individual 's SSN on the application. 
While I am a well educated man I can not understand how this type of behavior is reasonable or ethical.
Mortgage Company complaint is with Ocwen Loan Servicing. Back in XXXX of XXXX Ocwen proceeded to pay my homeowners insurance as instructed to do so in contract, with XXXX XXXX XXXX, A check was mailed to XXXX at XXXX XXXX XXXX XXXX, XXXX, Ill. XXXX ; as noted on check # XXXX, dated XXXX/XXXX/XXXX and a copy of which is included with this complaint. ( See attachment ) On the back of this check is endorsement stamp by company XXXX and has a persons signature on it too. Deposited in XXXX XXXX bank. XXXX claims NEVER receiving this check ( for this reason, XXXX cashed it ). So XXXX preceded to notify Ocwen that they still needed payment for the homeowners policy to remain in effect, so Ocwen, instead of telling XXXX that they sent a check to their office in XXXX Ill, they write a second check of {$950.00}. See attachment, included ). So now I 'm really short funds in my Escrow account with Ocwen. I thought this matter was resolved in XXXX, after much conversations with Ocwen agents concerning this matter. I received my escrow account summary in XXXX of XXXX and notice that my balance is way negative, so I 've been trying diligently to get this matter resolved but with NO success. Just being told we 're working on it. Well they been working on it for almost XXXX years. So I do n't believe it, and I need help getting my {$950.00} back in my escrow account. I just want the {$950.00} restored where it belongs in my escrow account so I can have a new escrow evaluation and my monthly payment reduced. Also attached is my first page of my escrow summary for XXXX, which shows Ocwen 's contact info and my loan number with this account.Loan number is also on both copies of the canceled checks. Also attached is a word doc that lists Ocwen agents I contacted recently and the agent at XXXX I talked to that said she would try to locate the check in question and she forwarded a copy to agent at Ocwen.
Credence Resource Management said they sent me a validation letter on XX/XX/XXXX I have not received any kind of notice from them about my account
coinbase.com has to give money to me as part of selling virtual currency. coinbase claims they initiated below wire transfers to my XXXX XXXX XXXX bank account. but money never arrived in my bank account.My bank clearly says they have not received the wires from coinbase. I have contacted coinbase many times but they never resolve the issue. please help me to get my money 1 ) {$2700.00} USD on XX/XX/2018 reference no XXXX 2 ) {$1300.00} USD on XX/XX/2018 reference no XXXX 3 ) {$240.00} USD on XX/XX/2018 refernce no XXXX
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file dated XX/XX/XXXXAs you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX
EASTER BANK IN MASSACHUSETTS increased my mortgage even if I pay my own homeowners insurance.Tax did not go up and they created involuntary savings account to gain extra funds they can loan further.There is excess of {$850.00} on our escrow unused. 
We contacted them multiple times but no response. 
We asked for a refund. 
XXXX XXXX Loan XXXX XXXX
I wrote a check to pay XXXX for service on a water heater. The check cleared. Later, I got a letter from TRS recovery services claiming the check was returned. I sent them a copy of my bank statement showing the check cleared and a copy of the check. They wrote back that I still owe money and included a statement the check was later refused with a message of " Refer to Maker ''. I believe someone submitted the check twice, the first time it cleared and the second time it was refused ( I never received notice from my bank or from XXXX that my check was refused ; only from TRS ). I believe the bank statement I sent TRS is sufficient to prove I paid the debt ( it covered both the period when my check cleared and when it was supposedly refused )