WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 I made a charge of {$3500.00} for an upcoming XXXX. on XX/XX/XXXX the rest of the XXXX charge of {$3500.00} was made. I have a credit limit of {$7000.00} and almost {$9000.00} in credit on the card since I sent in the money to cover the upcoming medical charges. Every charge on the card since XX/XX/XXXX when the {$3500.00} was charged is in pending, 5 charges to date are sitting in pending. 

When I called their customer service ( in XXXX ) I am told that the charges are in pending because the merchant has not collected the money. That makes no sense so I asked to speak to a supervisor who kept saying the same thing. She did admit it was odd so many charges were sitting in pending when I have all my credit limit available and a credit on the account. She said they have no one to investigate this type of issue and there is nothing they can do. In the mean time no one is getting paid and I can not use the card because every charge will go to pending. If I do not get my XXXX I could die, but no one at CITI cares.
We applied for the home equity loan in early XX/XX/XXXX. XXXX XXXX  received all of the necessary documentation that he thought would expedite the loan process. The Appraisal came in at ( appox {$410000.00} ) a lot lees than what we felt our home value is. It was based on properties, with less sq footage and acreage. I called XXXX XXXX about the appraisal and he stated they could only use properties within 5 miles, that were sold in our area during the last 6 months. Not sure if this is accurate or just an excuse.
Attached is the email I sent to the Chase Mortgage team onXX/XX/XXXX. We did not get a response to my email. I sent another email to them onXX/XX/XXXX, since they had previously requested withdraw information from my 401K. Again no response.
Attached is the final email I sent to them regarding I our intent to not proceed with the home equity loan # XXXX. I followed up with a personal phone call to XXXX XXXX  and confirmed our intentions concerning the loan with him.
On XX/XX/XXXX we received a statement of credit denial, termination or change. We feel this statement could show up on our credit report and have a negative impact. The statement states ( we are unable to approve your application at this time, for the following reasons : 1 ) Value type place or condition of collateral insufficient or unacceptable. 2 ) MI is not available?
I called XXXX XXXX on XX/XX/XXXXabout the statement. Left a message on his answering machine and to date have not received a call back from him.
XX/XX/18 XXXX XXXX XXXX XXXX made me aware, checks for dates,XXXX {$180.00} XX/XX/18 $ XXXX,XX/XX/18 $ XXXX,XX/XX/18 {$200.00},,, all drawn acct number end XXXX,, I told Mrs I don't use check 's, I tried to call my Netspend customer service representative no answer phone ringing, 3times, i emailed netspend on XX/XX/18, no response XX/XX/18 no response, i have had many problems guarding, money missing, the customer service representative some time refuse me management and not all manager with netspend will return call or help with Netspend law regulations, please help
requested actual signed contract with my signature XXXX and capital one have not sent me that contract as of todayXX/XX/2018 I filed with the XXXX a complaint case XXXX even they could not get a contract. XX/XX/XXXX claims verified but I requested a copy of there investigation they also claimed they would send a copy of there response by mail never did I waited the extra 10 day for there letter never came .I have been trying to get this matter settled for over 90 days with no luck to show its even my account I feel my rights are being violated to this point capital one refuse any information enclosed is my XXXX case file to be down loaded I do not owe anything on this account I did offer a settlment to have this removed from my report completely is account even tho its not mine, My settlement offer still stands that I sent them {$300.00} dollars. a restricted offer 22 pages they sold contract to portifolio recovery equifax in there dispute asked i contact capital one i did refusal to comply by them
On XX/XX/2018 Weltman Weinberg & Reis reported to the Credit Repository Agencies that I opened an account with its entity on XX/XX/2018 in the amount of {$15000.00}. 

I have not ever contracted any business with this company. I have not ever received any consideration from this company. I have not ever signed any agreements with this company. 

I believe that this company is committing an act of fraud with knowingly placing invalid information of my personal credit profile. This company has violated Title 15 USC 1681s-2 ( a ) ( 1 ).
I recently pulled my own credit report and observed a discrepancy. I noticed a company ( XXXX ) is stating that I owe them {$89.00}. I attempted to contact the company but was unable to speak to a representative. I have do n't know how this company received my information or why they are claiming I owe them money.
Navient took over servicing my student loans and did not notify me at all in reference to my account being transferred to their office. As a result I was hit with late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX. The reason why there is a break in the payments having been late is because I had enrolled in college which automatically placed my outstanding loans in deferment. When I finally realized that Navient had taken possession of my student loans I called and placed them in deferment/forbearance and have been in good standing since and Navient refuses to remove this negative reporting that only occurred due to their failure to notify me of them now servicing my loan.
I signed up in branch for the {$400.00} checking account bonus and have fulfilled the requirements for the bonus but have not received the bonus yet. I have called and secure messaged them many times to no avail. I have probably called in over 10 times and they keep stonewalling and escalating to no one. The code was CZPE. Thank you.
I filed a complaint with your agency with a reply that it is closed because of authorization reasons. XXXX I have submitted over and over again to Bayview information that I am the conservator for my dad. I have the legal papers that I have sent them. My attorney has sent information to them to show that I am the legal representation for my father. HE HAS BEEN declared incompetant two years ago. We have filed in court and had court papers served to this company to show that I AM the legal representative for my dad. This company has not asked for or responded in any way to me or to a court order. 
This has been going on for 6 months. I can fax anything that is needed to them if they would just contact me. I ask that this be reopened and sent back to the company. My dad is not able to answer any questions or sign anything on his own behalf. This is a way the company is just not doing anything to resolve this matter
On XXXX XXXX, 2015, XXXX XXXX requested an Owners and Encumbrance report from our office. We ordered the necessary title search and prepared the O & E and sent it, along with our invoice, to him on XXXX XXXX, 2015. On XXXX XXXX, 2015, I sent an email requesting the status of payment for the invoice. He responded and said that the transaction had closed prior to receiving our report and that he had no way to collect the funds from his client. On XXXX XXXX, 2015 our on staff attorney sent him an email stating that he had ordered the product and was therefore responsible for payment. In the initial request, we were never provided with a due date that he needed this back by. The invoice is for {$220.00}.
On XXXX/XXXX/15 rush card stated they were going to do an " upgrade '' well my payday is Friday XXXX/XXXX/15 and today is sunday XXXX/XXXX/15 and my check is still not deposited. I been told by more than XXXX agentd at rush card that they see myb {$490.00} direct deposit pending but dont know when it will be posted. In the mean time I cant put gas in my cars to go to work, cant buy grocerirs to feed my XXXX kids and cant pay my bills. I kusy want my money loaded so I can be done with rush card.
On XXXX I made a purchase at XXXX department store. I made a split payment with my prepaid Serve American Express card and Visa card. On XXXX XXXX I returned the merchandise to the store and was issued a refund. In the same method I used to purchase. I was issued the refund on the Visa card immediately however my refund for {$29.00} never was refunded to my account. I contact the card holder and they proceed to tell me I needed to open a dispute. On XX/XX/XXXX I opened a dispute and over 12 days later I received a email to provide the receipt for proof of a refund. I provided a copy of the receipt. On XXXX I received a email from American Express stated my dispute was denied. I called the customer service number numerous time and can never reach a live associate. There is jo one to give me answer to why I'm out of my fund and merchandise. This company has been giving me alot of problems to give me my refund. I have all my paper work to prove I'm due my {$29.00} refund. This company is committing some fraud activities.
I sent a letter to the three credit reporting agencies XX/XX/XXXX with a letter from XXXX XXXX XXXX card letter dated XX/XX/XXXX requesting to add my phone number to the alert on my consumer credit report ( See attached ). I did receive a notice from all three credit reporting agencies and they sent letters stating that XXXX XXXX request has been completed. However, I called XXXX XXXX XX/XX/XXXX, and they are denying that request was done. I gave XXXX XXXX my current number to customer service agent, email to the Office of the President and letters my number is ( XXXX ) XXXX but every time I call the XXXX XXXX customer service agent they would deny that the three credit reporting agencies didn't add the phone number to the alert on my consumer credit report. 
I wrote to XXXX XXXX XXXX  a certified letter XX/XX/XXXX to drop the cease and desist they claim I requested by their letter XX/XX/XXXX. 
XXXX XXXX is violating the Fair credit act and discriminating against me because I am under the protected class, they refuse to approve my application or communicate with me.
XXXX    XXXX    XXXX  has been harassing my inlaws trying to get a hold of me multiple times per day. Someone came to their house with a brief case trying to look for me. They are establish as  XXXX    XXXX    XXXX , inc but they claim to be ligitation lawyers which is not true on their website since they are only a collection company. If yo u google it  there is a  XXXX   XXXX   XXXX   XXXX  lawyers in  XXXX  but not in New York where they claim to be and when I search the phone number it leads to the collection agency in New York. This company harasses and confuses consumers with their tactics about them being lawyers and the way they pretend they are the last step before a civil claim.
Citizen 's Bank, gave us a commitment for a condo, and then at the last moment is not coming to the closing. Since the financing contingency expired before the closing date, my down payment is exposed according to my lawyer. However, Citizen 's acted in bad faith.
On XX/XX/XXXX I noticed a new collection listing on my credit report in the amount of {$960.00}. This debt collection was being reported by Phoenix Financial Systems and I had no knowledge of this account. I sent Phoenix Financial Services a Debt Validation letter by certified mail. I have yet to receive any type of response from the company. My tracking number with United States Postal service shows this letter being received on XX/XX/XXXX at XXXX.
I obtained a copy of my credit report and noticed that this company was reporting an account that I 'm not familiar with. I disputed it with the bureaus and they continue to report it. I then sent a certified letter to them demanding validation and clarification of what this is and I still have not received any correspondence.
In XX/XX/XXXX, I have entered into a debt management program with XXXX ( XXXX ). In order for me to participate in the Debt Management Program, I had to close my Discover Card Account. Discover received a proposal in XX/XX/XXXX and it was rejected by Discover on  XX/XX/XXXX due to needing an increase in payment. Discover then reconvened and with my approval, XXXX sent a new proposal to Discover with the increased payment amount on XX/XX/XXXX, which was approved by Discover on XX/XX/XXXX. During that time frame, Discover was informed that the payment goes on a cycle, and if dropped from the program for non-payment, the client was supposed to receive notice of the drop. In addition, when the payment is received by XXXX, they pay it out to the creditors. Due to Discover 's processing times, the payment would be processed later. 
I was contacted by Discover several times. Each time, I had to make a payment arrangement with them. Discover also informed me that they never received a proposal from XXXX, although they did. Discover has a copy of the proposal. 
During that time, I was reported late in XXXX, XXXX, and XXXX of XXXX. Discover contacted me to XXXX payment arrangements so that the account is not reported negative. Although I made the timely payments, I was still reported late, and it damaged my credit.
Continuation from original complaint : XXXX. Reviewing the initial package we sent in and comparing with the latest requests in letter ( dated XXXX/XXXX/XXXX attached ), we had already sent in all of the documents that were being re-requested. I called Bayview to discuss as well ask a few followup questions on the latest request. The calls were placed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and again on XXXX/XXXX/XXXX without any reply. We could n't wait anymore and had to send in the requested info as stated by XXXX/XXXX/XXXX to meet the deadline. 

After at least 10 attempts to contact XXXX XXXX in a 2 week period, I submitted my initial CFPB complaint. I also sent him 1 last email on XXXX/XXXX/XXXX asking him to please reply to my email with a time that I could call his office to speak to him as he is supposed to be our 'single point of contact ' to which we have NEVER spoken to or been contacted by. This past Friday ( XXXX/XXXX/XXXX ) we received a series of confusing letters ( postal mail ) from Bayview that does n't quite make sense. They are attached. In a nutshell, there are 3 letters are dated on XXXX/XXXX/XXXX ... .oddly the date my complaint was filed that JUST ARRIVED Friday. Which tells me they were backdated. The other was dated XXXX/XXXX/XXXX. The XXXX letters state that the review of our loan modification was completed and it was determined that we were ineligible ... due to the fact that we did not provide the requested documentation by the deadline ( see letter & deadline of XXXX ). I can tell you 2 things : the woman I spoke with at Bayview the day I called ( XXXX ) informed me they DID received our information on XXXX. However, the information has yet to be reviewed and XXXX XXXX was in a meeting. 

The letter on XXXX/XXXX/XXXX states Bayview received our inquiry on XXXX XXXX, XXXX and a resolution date of XXXX/XXXX/XXXX has been proposed. Yet, I did not send an inquiry that date so they must mean the complaint that I filed. Had I been able to speak with our point of contact at all during this XXXX or any other time during this process, perhaps we could have submitted our information before instead of on the due date. 

I called 2 times on Friday ( XXXX/XXXX/XXXX ) after arriving home to these letters and can not get a single person on the phone. Nor, nor replies to my MANY emails.
My home was sold in the XXXX XXXX XXXX sale on XXXX XXXX, XXXX. I understand that the property is no longer owned by myself and I am aware that I must vacate the premise. 
I made several calls to Nationstar mortgage inquiring about concessions regarding my move and time to pack up and vacate the premise as I have been residing in the home for ten years only to be told that there is no one to discuss this matter with. 
I am requesting a move out date of XXXX XXXX, XXXX as I need my son 's transition to be least disruptive to his life and educational stability. 
I have been in the home for ten years and it is the only home my eleven year old son has known. My request is significant and would be most beneficial for the educational and emotional stability for my son. My son has been diagnosed with a learning XXXX which prohibits him to transition as readily, easily and smoothly as others would normally. 

I would truly appreciate assistance from you regarding this matter as I prepare to restart my life after getting into debt and becoming bankrupt after trying for years to provide stability for my family.
I have made my Mortgage Payment timely to Home Point Financial Corporation. It is the legal responsibility for Home Point Financial to pay the property tax and insurance from my escrow account in a timely manner. I received a tax bill from the City of XXXX showing a late fee due to Home Point Financial had failed to pay the taxes. I have sent Home Point Financial a Certified letter making them aware of the delinquent taxes. I have also sent a copy of this letter to the City of XXXX regarding the non payment of the taxes. I will upload a copy of the letter, the tax bill, and evidenced to show that my mortgage payments have been timely. I will also include The Certified Mail Receipts. I appreciate your assistance with this matter.
I sent in a payment of {$6500.00} by USPS with tracking and signature return. I also put my credit card account number on the payment stub attached to the check. Citi received the payment XX/XX/19. On XX/XX/19 Citi deposited the check. I am attaching a copy of the check having cleared the bank account ( the other check in the file was applied correctly to a different account, please disregard ). To this day, XX/XX/19, the payment has not been applied to my account. 

I started calling Citi every couple of days after checking my account online starting on XX/XX/19 to ask why the payment has not been applied to my account. Each time I call I am told that they need to open a " payment investigation '' and they ask for the exact amount, check number and tell me that a conditional credit will be applied so that my account doesn't go past due or, accrue more interest on the amount or late fees. I have gone through more than 3 " supervisors '' in one call and am still told the same thing each time. To this day none of this has been done, my account is now more than 30 days past due and I am concerned it will be negatively reported to the credit bureaus. I couldn't and wouldn't make a payment to keep my account from going past 30 days because after the {$6500.00} payment, I owe a lot less than what Citi says my payment is.
I disputed an amount XXXX University charged me for attending there college. This amount was removed from all credit bureaus except Experian. Experian informed me that XXXX college said they refuse to remove and they were going to increase amount and report more frequently. This is in retaliation against me of a lawsuit I won against them for false claims to award employment to students upon graduation. I have attached this lawsuit that was awarded in my favor. All reported credit bureaus have removed this debt, accept Experian who stated XXXX refused and plans to increase debt and report more frequently as retaliation against me
This debt was a result of identity theft and I have not only informed Bank of America, but I have been in contact with the FTC and the FDIC and recieved a packet of information that I am sending relevent information as well as a file from XXXX. I know you were notified that XXXX blocked your account and you choose to break the law as defined by the FTC.
HHgreg/SYNCB/SYNCHRONY : This was a debt that my ex-husband applied for in my name. With going through a tumultuous divorce, I didn't know anything about it until a few years ago when I tried to repair my credit then and offered them {$1100.00} and they said NO.. they wanted the full amount of {$1900.00} and threatend to hire and attorney and take me to court. Shortly after I lost my job, I was in a hardship from my divorce, not getting child support or alimony to help with bills.and then losing my job and my mom passing in 2014, I wasn't able to work for a year.

I would like to ask that this be forgiven and removed from my credit report being it is now with a third party collections as a Charge-Off, original debtor has already been paid. Please forgive. 

I'm now a single mom of XXXX young kids and have not received any notices from them and the matter has been charged off for some years now. This is hindering me from securing a home for me and my kids, lower insurance and just live a better life for my kids.
On XXXX XXXX, my Bank Of America issued XXXX credit card was fraudulently used for 4 unauthorized purchases. I got text alerts for 'unusual activity ', and I immediately got it blocked to prevent further damage. All this while the physical card was at home in my purse in the closet! I have never visited those store locations and I have my entire credit report to prove that. 

Since then, their fraud detection team is driving me bonkers - first crediting my account for all charges, then going back and claiming that 2 out of 4 transactions are actually non-fraudulent. A person in the claims department said that the 2 transactions they think are not fraudulent is because the actual chip on the card was used for those transactions. Which is absurd because I had the card with me all the time. So either the card was magically cloned down to the chip or their detection/analysis algorithm is flawed. 

I have called 3 times, got transferred between departments and every time they say that the resolved disputes have been reopened and it will take 60 days for processing ( 2 billing cycles! ). 

I have received no email/snail mail notification about reopening my case. The rep at fraud detection department even wrote down against my case to contact me immediately on my mobile. Nothing. He even refused to tell my my case number so I can refer to it later.
I went to the PNC branch in XXXX, MD to get a debit card and debit card only. I specifically told the manager that I do n't want credit card. He assured me that he is only requesting a debit card to be sent to me. After a couple of weeks I received the debit card as I requested. But then I also received a notice that a credit enquiry was performed PNC sent me a credit card as well. Since then they have been pressuring me to activate the card, which I did not and I am not going to.