WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I applied for the USBank Visa FlexPerks card under the XXXX promotion this past XX/XX/XXXX but have been denied the incentive FlexPerks points. We applied online on XX/XX/XXXX after having previously ( within a couple of days, if not even the day of our application ) talked on the phone with a cardmember service/customer representative who informed us, after our explicit inquiry, that we were definitely eligible for the promotion. After not receiving the points, we inquired as to why. The response from USBank was that we did not apply using a particular promotion link. When we on the phone with the USBank representative, we were not directed to use such a link. Even so, we did click through the dedicated promotional page, if not the promotional link, to find and fill out the credit card application. 
USBank 's argument was that the company often has multiple promotions running at once and that they would not be able to say for sure that we applied under the XXXX promotion. However, we applied during the designated timeframe for the XXXX promotion and have a call on record indicating our intent to apply for that card. After requesting that cardmember services pull the call we placed prior to our application, the cardmember service manager refused to take action by reviewing the call because it " was n't associated with the particular credit card account. '' It 's upsetting that they will not pull the call, which will clearly indicate that we intended to apply for this specific promotion ( and that we subsequently did apply for the card through which the promotion was offered ) even though my husband and I have two other cards with the bank, and my husband has been a USBank customer for some-20 years and, as such, our call would be accessible, if only associated with a different card or the account more generally.
there is 5 accounts with XXXX XXXX XXXX acct no, XXXX for {$3000.00} acct no XXXX for {$2300.00} acct no. XXXX for {$1600.00} acct no. XXXX for {$410.00} acct no.XXXX for {$390.00} I reported to Equilfax that these do not belong to me for the past 12 years and can not get them to remove them ... .. then XXXX   XXXX acct no.XXXX  for {$220.00} then XXXX XXXX XXXX acct no . XXXX for {$200.00}
Hello, I changed Homeowner insurance companies in XXXX, 2015. My insurance company ( XXXX ) and I both called the insurance company on a conference call to inform my mortgage company ( Statebridge Company, LLC ) about the change. The person took the information and changed it in the computer as XXXX gave them the updated information. I received a letter in XXXX, 2015 from the previous insurance company stating they received a check, however the policy had been canceled and the check was being returned to Statebridge. Both XXXX and myself have made several calls to Statebridge and XXXX XXXX XXXX. Apparently Statebridge contract out their insurance service to XXXX XXXX XXXX. I called XXXX XXXX XXXX. on Tuesday, XXXX XXXX, 2015 and was told I had to fax over the cancellation later from the previous insurance company. As of today is XXXX XXXX, 2015, I do not have any homeowner 's insurance on my home. I also received a letter from Statebridge on Monday, XXXX XXXX, 2015, stating that Statebridge was going to do force placement insurance on my home. They have all my insurance information, therefore why would they send me a letter stating I do n't have insurance? This entire situation has taken a toll on me and I am very frustrated with the lack of communication between Statebridge Company, LLC and the XXXX XXXX XXXX. company they have contracted to send out their insurance payments.
Navient, with no permission from me, placed my loans into a " Courtesy Hold Period '' at which time no automatic payments ( controlled by Navient ) were received yet interest was accrued to the benefit of Navient.
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In XX/XX/XXXX, I asked Navient if my loans were income based, in order to understand if I qualified for XXXX XXXX student loan forgiveness, as I am a XXXX XXXX
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My payments are pulled from my bank account from Navient, using their AutoPay feature which was set up years ago. I noticed in XX/XX/XXXX that they had not received a payment in three months. <P/> I called to ask why my payments were not received. They explained that my account was put on a Courtesy Hold ... As a result of my questioning as to if my loans were income based payments or not, they decided to put a " courtesy hold '' on these payments for three months and reinitiated my automatic payments for XX/XX/XXXX. <P/>
At no point did I agree to delaying my payments. I did not want a three month loan from them. They forced the loan on me and probably many other customers. I can afford the payments and want to be rid of my student loan debt as soon as possible. This scheme clearly only benefits Navient and is not a courtesy at all. Combined with many other customers it is clear that Navient has much to gain from these types of practices.
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Please help all of us costumers of Navient ... .it is clear they are taking advantage of everyone.
I have a Macy 's card. The back of the card states Department Stores National Bank issues the card. My problem started with a collections call in XX/XX/XXXX from Macy 's. They said I owed {$1900.00}. I was shocked because I have n't used my Macy 's card for a few months. I always pay it off and I definitely do n't spend that much with it. I found out in XX/XX/XXXX someone had my address changed on the card and then made charges so I never got a statement or knew those charges were there. After many transferred calls and being put on hold, I finally reached someone who said it would be taken care of and I would n't be getting collections calls nor would it be on my credit report. I pulled my report and there it was. I thought that would be fixed but it was n't. I receive another letter saying I owe {$100.00} instead of the {$1900.00} I do n't recall spending that in that time frame so I call to find out why I still owe {$100.00}. I ca n't get one person to explain this amount. They just say it will be taken care of. Now in XX/XX/XXXX I 'm still getting statements saying I owe {$180.00} because they added late fees. I ca n't get a straight answer from this company and I ca n't see any statements from that time frame to know where they got this {$100.00}. If you look at Macy 's XXXX page you will notice how many people have problems with this company.
I was XXXX from the military in XX/XX/2015, I have had medical insurance through the Department of Veteran Affairs since the day I was XXXX in XX/XX/2015. I gave XXXX XXXX XXXX XXXX copies and proof of insurance, proving that I should not have been billed directly for the visits. 


1. Original Creditor Name - XXXX XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$1300.00} 2. Original Creditor Name - XXXX XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$440.00} 3.  Original Creditor Name - XXXX XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$130.00} 4.Original Creditor Name - XXXX  XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$79.00}
I was struggling to pay my federal student loans, which were serviced partially by XXXX XXXX ( now Navient ) in 2008. I called them for assistance, and they somehow convinced ( tricked ) me into consolidating my federal student loans into one massive private student loan with them. The loan was originated in XX/XX/XXXX  2008, and the original principal on my loan was {$55000.00}. It  has been more than 9 years, and I have made nearly {$40000.00} in payments, and yet I still owe {$54000.00} on my loan. I understand that there is interest involved in any loan product ; however, it is very clear to me that Navient engages in predatory lending practices. They have increased my interest rate routinely every year since 2008 ( now a whopping 8.25 % ). They make it nearly impossible to pay down principal and ensure I stay mired in this debt. 

I am on the verge of refinancing my loan with another lender, and I uncovered all of this information. It makes me absolutely sick to my stomach. There is no way a company like this should be allowed to take advantage of young adults and make enormous profits at the expense of young Americans ' livelihoods. There has to be something we can do to stop this from happening and bring justice to those affected by this horrible company.
They call my personal cell phone XXXX or more times a day. They call my job and leave embarrassing messages with my coworker. They call my husband 's cell phone twice a week or more and today XXXX/XXXX/XXXX they called my husband 's job. This has been ongoing since XXXX. I have asked them to stop calling my friends and family and they wo n't stop. It is always this lady named XXXX who crosses the line.
For past 6 months Global Client Solutions XXXX XXXX XXXX XXXX collected {$250.00} a month for debt consolidation. After realizing no repair had been done I reached out to lawyer that was supposed to receive certain payments that had n't. Although credit repair was listed on each statement for {$49.00}, no creditors were paid. Wit went to bank and we called the company who claimed I missed payments since XX/XX/2015 but I have statements that show otherwise. Bank XXXX told them about last statement the company hung up phone and called me personally. She wanted me to print, sign and send a cancellation notice but not confer with my bank XXXX. Any time I call they do n't want to talk and hang up.
Around XX/XX/2012 different companies under different names started calling my about a debt. Im not sure if it is a loan or credit card. My name is pretty common so I figured it was all a misunderstanding or identity theft. I tried to explain the company the person that owed them the money was not me. They kept calling repeatedly several times a day, they even harassed my partner and family to collect the debt. I even lost a job because of the derogatory mark on my credit report.
discover card limit is incorrect on all 3 bureaus my limit is XXXX, not XXXX this difference helps my FICO score
I have several accounts with Synchrony Bank, including Banana Republic, Walmart, Amazon and Toys R Us. The accounts mentioned are currently past due, however, there are payments scheduled for each account to bring them all current. My bank returned payments, their discretionary overdraft protection will either pay or return items. The scheduled payments will be paid as I am expecting deposits from my employer and others. Please advise them of this as I have been receiving collection calls. I do not have payment amounts and scheduled dates in front of me, however, they 're all scheduled on or around XX/XX/XXXX or XX/XX/XXXX.
Bureau keeps reporting addresses and accounts that are not mine. They initially delete the addresses and then report them again. The accounts have not been verified and I have requested several times now for verification which is my legal right under the FCRA and to date I have received NOTHING in form of signed contracts, authorization signature or, anything else they can provide to verify these accounts from the credit bureau and/or creditors.
On Sunday XX/XX/2018 at XXXX XXXX. I was purchasing a XXXX gift for my wife from my on our XXXX CHASE Visa ( XXXX ) but they declined my transaction from XXXX XXXX online for {$450.00}. I had the card in my possession. They text my wife fraud alerts to her cell phone. That was unfortunate but I get it. I called into their fraud depart. After getting a fraud rep on the line, I completed authentication via IVR and Rep. My wife is the primary and I'm an authorized user on the account. After the rep put me on hold for 10 minutes, the person said they can't help me because I didn't call in from my wife cell phone. I escalated to a manager XXXX in XXXX, IL. After authorizing me again, advised that only the primary can make changes. I was just trying to find out why the put my account on hold. I have more than enough in my credit line and authorized on the account. I then asked to obtain their CRM transaction number and she would not provide this. I asked how to file an official complaint online or on the phone but she advised that only way to do this is by sending a letter to XXXX XXXX XXXX XXXX, OH XXXX. When asked who reference numbers I can use she said none. She then put me on a 25 minute hold to come back to say she can't help me. Both the team member and the supervisor where unprofessional and could not explain the policy to me to correct the situation. They said they could only talk to the Primary. So I went ahead and woke up my wife and instead of authenticating her, they said they will not and she will have the fraud department call us back. Why, well they never said on advised of any internal policy. I totally understand fraud issues and want to work these out with the company but this was way out of bounds and they could not advise me on how to clarify the situation. So, special thanks to XXXX Chage Visa for wrecking my wifes XXXX   gift. I asked that someone from your organization could help out to correct the situation so no consumer runs into this problem again.
I first sent my complaint to Equifax back in XXXX XXXX XXXX  2017. Along with police report and supporting documents.  Explaining to them about the problem that I was having with XXXX XXXX for a fraudulent foreclosure against my property. After receiving my credit report. I asked to please remove XXXX XXXX  from my credit report. And said me a letter in writing updating the report wish Equifax refuse to do. I was told that there were not be able to do that write a letter but they would remove it from the credit report. Thank you
I opened a new mortgage with Chase bank, and I then tried to sign-up for the Chase Cash Back Advantage program which offers a 1 % rebate when setting up automatic payments from a Chase checking account : XXXX was told that I am not eligible for this program since my mortgage originated with a mortgage broker. 
The offer very clearly says " Mortgage Cash Back works with any new Chase mortgage or refinance. '' yet the bank referred me to fine print that says " This offer is only available for new, residential first mortgage purchase and refinance loans submitted directly to Chase. " Since my mortgage originated with a broker, I was told that I was ineligible. 
I believe this is deceptive advertising as the offer clearly states " ANY new Chase mortgage '' [ emphasis mine ], not " some '' or " eligible '' Chase mortgages. If a bank is able to clearly advertise XXXX thing, and then contradict itself the fine print of the terms and condition, there is no limit to the deception that would be permitted.
XX/XX/XXXX My husband and I requested our credit reports and to have our credit blocked due to the XXXX breach. XXXX completed everything for us online including confirmation of our credit block. Online and phone options were unavailable for XXXX and Experian so we sent signed letters with ss and dl copies via mail per their requirements. We both received our credit reports on XX/XX/XXXX but no confirmation of the block the letter was like they were trying to talk us out of blocking our credit.
Called left a message describing the debt. Threatened to take action against me. On first call from then.
I fell behind on my mortgage after my business failed and was causing me to have a massive amount of negative cash flow. I have now sold that business and I would like to save my home. I hired an attorney  to help me apply for a loan modification and my attorney says my lender is evading reviewing my mortgage by asking for unnecessary paperwork and explanations. My lender is digging into my tax returns from two years ago asking questions about why certain income does not show up on it. My attorney has a licensed loan officer and underwriter that has already underwritten my file and it was submitted complete and with sufficient information to make a decision. Letters of explanation about tax returns from 2015 have nothing to do with my current financial information and according to my attorney are only ways my lender ( XXXX ) uses to evade, stall and avoid reviewing me for assistance.
It is with a very heavy heart I am writing you this email. My husband is XXXX military and I work as a XXXX. A week prior to meeting my husband, in XXXX XXXX, I closed on my XXXX house in up-state XXXX. I then went on a blind-date with my ( now ) husband and he XXXX move to XXXX XXXX, XXXX shortly after. We made the move across country in XXXX XXXX and I chose to become a landlord as I thought I could successfully rent my property with help of a property manager. The XXXX property management team was able to secure a renter for two years. However, at the end of that two year period we found out that the property manager had been lying to us and stole money from us that he stated were for repairs. The tenant moved out and we changed property management companies. The next one was unfortunately not much better and she continues to " bully '' us when asked why she is not even listing our house on her own website. We listed the property for sale in XXXX XXXX and received XXXX different offers but the buyers could not secure their own loan. In XXXX XXXX my husband XXXX. I called Bank of America ( our lender ) and stated that I would not be able to pay the mortgage as we could not sustain XXXX separate households. Bank of America had me jump through the usual hoops by completing financial paperwork showing that we just could not afford the XXXX house. Bank of America requested for an appraisal which showed that I owed less than the house is worth so they would not approve a short sale. I then asked for a Deed in Lieu but was denied as we had not lived in the house in the last 18 months which is a requirement for Deed in Lieu. In XXXX XXXX, when my husband XX/XX/XXXX, I was told that I would need to wait for the foreclosure to proceed and that I was out of options. Despite my best efforts of continuously calling Bank of America and begging for some type of movement, regardless if it is a short sale, deed in lieu, or foreclosure, I have still have not received any assistance and continue to pay the utility bills for this vacant house. I have even gone so far as to reach out to the C.E.O. of Bank of America who reads my emails ( read receipt through Outlook ) but refuses to even reach out to me or give me guidance where to go. My husband has now XXXX moving us to XXXX XXXX, XXXX and although we continue to move about this house is still leaving us with quite the heavy burden. My husband and I already go through enough with military requirements and separations and this house is standing in our way from truly feeling free. Thank you so much for your time and I hope you respond as I feel terrified that we have run out of options. Please help my husband I get out from under this burden! 

Sincerely, XXXX XXXX
I am making a dispute agains t Pinnacle, LLC  in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION  made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports  (   XXXX   XXXX   XXXX   XXXX   ). T his action constitute fraud under both  Federal and State Laws. Also the stature of limitation are up on this debt and is no longer collectable
I contacted Wells Fargo to request loan modification as I lost my job XXXX XXXX and was out of work until XX/XX/XXXX. I was late submitting XX/XX/XXXX's payment and contacted WellsFargo to assist in this matter. I was awaiting my first check from my employer and I requested a withdrawal from my retirement account to cover the mortgage. When I received these monies, I made XX/XX/XXXXand XX/XX/XXXX payments. It posted, but I received a notice from WellFargo regarding my account being delinquent. In the meantime, I completed a loan modification application with the attached requested documentation. XXXX XXXX ( first loan specialist ) denied receipt of the documents. My case was reassigned to XXXX XXXX, loan specialist. I have explained the circumstances that led to my need for assistance. In XX/XX/XXXX I was out of work for six months. I resumed work XX/XX/XXXX. My income changed dramatically as I went from making XXXX XXXX to XXXX XXXX. The mortgage is {$370000.00} and the monthly payments are {$2200.00}. With the decreased income I can not make the mortgage. When documents are submitted, they are either not received or additional requests are made by the specialist ( s ). This matter is sensitive to me and I do not believe it is being taken seriously. For example, yesterday I spoke with loan specialist XXXX XXXX and while on the phone she reviewed my submitted documents and advised me of what I needed to clarify : " Good afternoon XXXX, I completed reviewing your documents and these are the corrections that we discussed. Please provide the following : Signature page of XX/XX/XXXX tax returns Please date the letter regarding not receiving a payment for rent Please sign a statement regarding the employment that you provided Additionally, I will need your XX/XX/XXXX & XX/XX/XXXX check stubs ( not previously requested ) Please complete a real property schedule to include your rental property and your residential property ( not previously requested ) Please enter the amount of the total rent on your rental agreement to equal the payment from the renter and section 8 Correction to page 3 of mortgage assistance application. Please answer all questions. Section 8 approval letter ( not previously requested ) ''. While I understand that there may be a need for additional documentation, I do n't expect that the same documents are requested repeatedly. I am concerned that my credit rating will be damaged and I may be forced to foreclose.
XXXX 's client XXXX XXXX is a victim of ID theft. Her information was used to obtain medical services at various locations. She was contacted by several different collection agencies in reference to attempts to collect debt related to these services. One of these collection offices is BC Services working on behalf of XXXX XXXX. BC Services as well as XXXX XXXX have both been notified of the fraudulent nature of these accounts by way of official disputes sent both certified mail and fax. In providing the official dispute ( s ), address verification of her address at the time the services were obtained was provided showing her address DID NOT match the location for billing that was provided. BC Services failed to provide notification of receipt of dispute and attempted to collect on debt related to fraud AFTER receiving information detailing issues of my client and her ID theft situation. BC Services and XXXX XXXX are in violation of the FDCPA and FCRA.
I recently filed a fraud dispute with tjx reward card in XX/XX/XXXX. I was a new member and someone got a hold of my credit card and basically maxed it out. My limit at the time was XXXX, I had never used the card ever my credit was negatively affected by a closed account and high utilization and that was the only negative thing on my credit report. Today tjx finally  resolved the dispute reversed all the fraudulent charges but unfairly decreased my limit from XXXX to XXXX as punishment for something I didnt do and now this will affect my ortherwise perfect credit. To add injury to insult the dispute wasnt even properly resolved, some charges were not reversed and I now have a late payment from during the period the dispute was going on which will also affect my credit and I never even used the card one time.