WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a visa gift card ( issued by XXXX XXXX XXXX and distributed by Blackhawk Network ) to use for online purchases, and on XX/XX/2018 I used it to charge {$54.00} to purchase an item. In XX/XX/XXXX, I contacted the merchant as I did not get my item, and was told via email on XX/XX/2018 that I would get a refund. Upon learning I would get a refund, I checked my visa card online at XXXX, and it showed I had a XXXX balance, so the refund had not come through yet. The following day, when I went to XXXX, it told me that the card number I entered was invalid, and that I should contact the merchant I bought it from. I then tried to call their customer service number off the back of the card, but got the message that the card number was not a valid number, and was not given any options to talk to a person to find out what happened to my refund. I had to use a different visa card I had purchased to finally get to talk to a representative, and was informed that the card had been blocked due to the refund, and that the money would be available in 3 days, but I had to call back to get the card activated after the three days. When I called back again on XX/XX/XXXX, I was told that it would take another 2 days to have the money available, at which time I demanded to talk to a supervisor, and finally got my money. I wasted over 2 hours in total trying to get them to reactivate my card that they deactivated when the refund came in, which they won't compensate me for. I am positive the issuer has instituted this policy to steal refunds from cardholders by making it impossible to check on their cards to see if the refund has come in, and by making it extremely time-consuming to get the card reactivated after they deactivate it. When I finally got through to the last person, he wanted me to verify the date of the purchase in addition to all of the background information I previously supplied to the other customer service people in a final attempt to delay giving me my refund - and since I could not look at my online history for that card, I was lucky I still had my email receipt or they would have further delayed the refund. I want this policy stopped - it has happened to me with other pre-paid credit card companies on 3 other occasions ( when {$1.00} charges appeared on my card which were not authorized, and when I disputed them, they did the same thing to the card, de-activating it and not allowing me to see any information on it or get info via the customer service number ) and while it is not financially practical for individuals to do so, it clearly is in the best interest of all comsumers that you do something.
I am a XXXX who was receiving XXXX from VA. In XXXX 2009, I was involuntarily called up for XXXX. I went to the VA Representative at XXXX XXXX IN and completed documentation to stop payment since I was being sent back to XXXX XXXX. I then left for service in XXXX. Apparently the paperwork was not submitted in a timely fashion to the VA, and they continued to send payment unbeknowest to me. Upon my return, I had this debt of XXXX dollars that had been given to the XXXX for the VA. I contacted them an paid back money. I have asked twice to have debt removed from my credit report to no avail. Please help. Thank you.
I am refinancing my mortgage and Ditech gave a payoff that was good until XX/XX/XXXX which was the day it was funded to them. On today XX/XX/XXXX, they have emailed the Title company stating the payoff was short and by looking at the info they provided and the website with my mortgage information, myself or XXXX XXXX do not understand where the shortfall Ditech is stating came from and we can not get a direct answer from Ditech. 

The Hazard insurance in my Escrow was listed as {$2500.00} which they stated they paid XX/XX/18 and the XXXX XXXX paid the Hazard insurance also but sent a check back to me so it would not be paid twice. 

Do not understand the shortfall they are stating to the Title company of {$1700.00}.
I had contacted Discover card explaining the temporarily financial experience I had encountered XX/XX/XXXX, Due to a death in the family, that set me back. XX/XX/XXXX without my permission or knowledge Discover card applied my deposit funds to my balance on my account. I have had my Discover it card since XX/XX/XXXX, with current payments. And this one time I need help in asking for assistance to keep my account active and open. I find out this morning via live chat. That my account had been closed. I was inquiring about how much I needed to bring my account back to it 's original available balance of {$500.00}. XX/XX/XXXX.
In XX/XX/XXXX, we took out a land loan from M & I bank for {$42000.00} at an interest rate of 8.5 % for XXXX yrs. This complaint was previously filed as case # XXXX. I am attaching a copy of our statement to show that after paying this loan for 8 years, we have decreased our principle only by {$4800.00}. So far, YTD, we have decreased our principle by {$180.00} ( this is through XX/XX/XXXX ). We spoke with XXXX XXXX ( BMO Acct Mg ), and he wanted us to apply for a new loan, pay the fees and the appraisal, but then he could not guarantee us that they would do the loan or what the interest rate would be. They have the loan. It would be in their best interest to help us to reduce the interest rate and make the payment more affordable as well as assisting in paying off the principle. I do n't see how, at this rate, we are ever going to pay off this loan within 22 years. Also, 8.5 % is a high interest rate in today 's market. We need assistance in getting this loan payment reduced. My husband is now retired and I am the sole payer on our loans. We would like someone to please look at this and assist us as BMO has not assisted us at all. They have no interest in helping us.
Equifax refuses to allow me to challenge child support, which is clearly incorrect. THis item is already deleted from my XXXX report! I have had this problem for quite sometime, my constitutional rights are being tossed aside, please help me! Have a blessed day!
I have been working with Fed Loan to certify my income for an income based repayment plan since XXXX. After having to submit multiple applications with different supporting information to verify my income and employment, I was told that my monthly loan payment would go from {$200.00} per month to {$450.00} per month. I could n't afford the extra monthly payment, so I immediately contacted Fed Loan to request a lower payment amount, and I 've been dealing with that issue since XXXX. 

I uploaded my application to change payment plans to their online document server on XXXX XXXX. My previous repayment plan ended XXXX XXXX, and then starting in XXXX I was supposed to owe {$450.00}. Since I still had n't heard anything from Fed Loan about the status of my request, I called customer service on XXXX XXXX and asked what I was supposed to do about my payment. I was told to not make the {$450.00} payment that my account says I owed, but to instead wait until XXXX, pay a {$5.00} skip payment fee, and then my new payment plan would begin. Just to be safe, I requested that they put my loans in forbearance for the last 10 days of XXXX so my account would n't be marked delinquent. 

I waited through XXXX, but my account never showed the {$5.00} payment. I spoke with an employee via chat on XXXX XXXX, and was very clearly told that I should NOT make the XXXX payment, but wait until XXXX XXXX, then pay {$5.00} even though that was n't the amount I was told was due. She told me that {$5.00} would bring my account current, and then they would process my request to change payment plans.I submitted my initial request in XXXX, and they still had n't processed my paperwork 4 months later. 

I did as I was instructed, and early in XXXX my account was still showing the past due amount for XXXX. I called customer service on XXXX XXXX to ask about this. I was told that they were still processing my application, and to call back in another 2-3 weeks if I had n't heard anything. I was promised that my account would be returned to good standing once I was switched to a different repayment plan. 

I received notification my repayment plan change on XXXX XXXX and told that my new payment amount would begin for my payment due XXXX XXXX. My loans are currently in forbearance for XXXX, but my account still shows I owe the XXXX payment. I chatted with someone today, XXXX XXXX, and was told that I was given incorrect information about my XXXX payment during my chat conversation on XXXX XXXX. 

The person I chatted with today told me that he put in a request for an administrative forbearance to cover the XXXX payment, but that would take 15-20 days to process. He assured me that if I make my XXXX payment in full and on time it would still count toward my qualifying payments for XXXX XXXX XXXX XXXX. In the meantime, I was instructed by a Fed Loan representative to continue to let my account remain delinquent. 

I tried to clarify some final details at the end of our conversation, but the representative I was speaking to stopped responding to my questions. After 15 minutes without a response from him to repeated chats I sent, I disconnected.
I have disputed several false credit inquiries to XXXX. I also called the companies to remove the false information. XXXX  continues to break the law by denying my dispute calls and letters. They continue to deny me a fair detailed credit investigation. Which is against the FCRA guide lines.
In XX/XX/XXXX, I filed a prior complaint with the CFPB, number XXXX, regarding PHEAA 's incorrect determination of my qualifying payments for PSLF during my employment as a law clerk with the United States District Court for the XXXX XXXX of Pennsylvania ( XX/XX/XXXX, through XX/XX/XXXX ) and the United States Court of Appeals for the XXXXXXXX XXXX ( XX/XX/XXXX, through XX/XX/XXXX ). Following that complaint, PHEAA provided the attached list of its determination of my qualifying payments during these employment periods. Among other issues, PHEAA concluded that a number of payments for loan sequences 5 and 6 --  from XX/XX/XXXX, through XX/XX/XXXX -- were made under an " Ineligible Term. '' On XX/XX/XXXX, I called PHEAA and spoke with XXXX, a supervisor ( Employee ID XXXX ). I explained that I have documentation during this period that designates these payments as made under a " standard '' plan and asked why PHEAA determined they were made on an " Ineligible Term. '' XXXX told me that, because this is a consolidated loan, these payments were probably made on a " consolidated standard '' repayment plan, which is not a qualifying standard repayment plan. I asked XXXX to send all of the documents that PHEAA used to make this determination, and she said that PHEAA would do so within 24-48 hours. On XX/XX/XXXX, PHEAA sent me a message and letter, which are attached here. These documents have nothing to do with my request and do not shed any light on how PHEAA determined that these payments were made under an " Ineligible Term. '' I have not received any other information from PHEAA regarding this issue.

Please note that this is one of three complaints I am submitting today regarding my experience with PHEAA. Thank you.
I have received calls from a General Revenue Corporation on a debt they claim is owed by my partner. To date, they have called : * me * my mother * my father * my sister all on our personal cell phone numbers. None of these numbers have been provided as contact points, and there is no overlapping financial concerns that would associate us with this claimed debt. I called General Revenue in an attempt to obtain an address where I could send a registered " do not contact '' letter, and was directed to a separate XXXX number for their complaint department. I was told this department would be able to provide me with the information I requested. This number went to a voicemail box, and so far I have not received a call back. I called back to the original number, and was told the complaint department is the only place that can assist with this information I understand they are required to supply.
XXXX XXXX did a hard inquiry on my credit on XX/XX/2017 and I never applied for anything for anyone to use my credit for them to do an inquiry. I need to dispute this inquiry.
XX/XX/2016 : Citibank promised me a {$400.00} bonus for opening a checking account. XX/XX/2016 : Citibank reneged on this promise. XX/XX/2016 : I filed a complaint XXXX CFPB. XX/XX/2016 : Citibank promised to pay bonus on or around XX/XX/XXXX XX/XX/2016 : Citibank again XXXX on promise.
On XX/XX/2018 I made contact with the XXXX XXXX XXXX about this company, because an entry appeared on my credit report without any knowledge of the company or the amount of money owed. I requested a validation of debt from the company in writing and through the XXXX XXXX XXXX and MidWest Recovery assured they would honor the request and mark all three credit bureaus as account amount disputed. To date I have not receive anything in mail from MidWest regarding the debt owed and to my understanding 5 days after contact the company should honor by sending communication via US mail about the debt owed..
Hello, I 'm suppose to receive the Frank Dodd XXXX every year XXXX more years. 
This program includes the incentive rewards for borrowers who have received a permanent home loan modification and pay their mortgage on time every month. 
A borrower should receive annual principal reduction payments in the amount of $ XXXX contacted customer service several times and they are useless. Nobody can give me a straight answer. Last year I received the incentive reward with great difficulty, but this year nothing has been received.
XX/XX/XXXX - Received an alert from TransUnion via XXXX that XXXX XXXX XXXX XXXX had requested credit inquiry. 

XX/XX/XXXX - I contacted XXXX XXXX XXXX and informed them this was not me.
Sent verification of debt to XXXX XXXX on XXXX XXXX, XXXX. Never received anything in response. They put it on my credit on XXXX XXXX, XXXX.
My wife and I are in the process of getting a home equity loan from XXXX XXXX Mortgage and they requested that we get an ARM statement from CitiFinancial loan # XXXX explain what our interest would be after XXXX/XXXX/2020 because it was not stated on our statement. They also wanted to know why we had past due payment on our account. So, when I contacted CitiFinancial to request the information they told me that the past due payment we due to late payment ; which were suppose to have been forgiven. They said that they need 7 days to check into it and it 's been 14 working day as of today. As for the ARM statement they said that they received my account from XXXX and they did not know, but could give me an rate of 5 %. That is what it is currently. I asked if they could email or mail me that information in writing and they told me they do not submit it in writing. I have been told that a XXXX XXXX and XXXX XXXX are the working on case, but when reaching out to them I get no response
EQUIFAX CREDIT MONITORING SERVICES, I HAVE BEEN A MEMBER FOR YEARS AND HAVE PAID FOR MONITORING AS ADVERTISED! I PAY AND THEY FAIL TO ACTIVATE MEMEBERSHIP, TIME AND TIME AGAIN
XXXXXXXX XXXX  client XXXX XXXX is a victim of identity theft. His information was used without this consent to apply for several credit cards. While no accounts were established the fraudulent applications left inquiries on his credit report that have a negative impact of his credit information. The applications were submitted to XXXX XXXX XX/XX/XXXX, Chase credit card XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Official disputes were mailed certified mail with return receipt to each office on the same date XX/XX/XXXX, as of this date none of these offices have replied to my client to the status of these disputes. This is a violation of the FCRA and my clients federal consumer rights.
The debt is from a lease. I was constructively evicted from the apartment due to XXXX. I had to go to the hospital with smoke XXXX. I left the apartment at the end of XX/XX/XXXX and had paid through the end of XX/XX/XXXX. The debt is for partial rent in XX/XX/XXXX I disputed this debt with the landlord XXXX explaining that I had been constructively evicted. XXXX never sought a judgment against me. They ceased trying to collect the debt in XX/XX/XXXX National Credit Systems XXXX Inc. contacted me on XX/XX/XXXX, by phone claiming that I owed this debt and threatening to report it to the credit agencies if I did not pay. I told them that I do not owe this debt because I was constructively evicted from my apartment. On XX/XX/XXXX I received a letter from National Credit Systems XXXX Inc. dated XX/XX/XXXX claiming that I owe this debt and stating that unless I notify their office within 30 days, they will assume that the debt is valid. On XX/XX/XXXX, I wrote them a letter stating that I did not owe this debt because I had been constructively evicted from my apartment due to XXXX. According to XXXX tracking they received this letter on XX/XX/XXXX. On XX/XX/XXXX at XXXX a.m. XXXX, National Credit Systems XXXX Inc. called me from XXXX. They again claimed that I owed the debt and threatened to contact the credit agencies if I did not pay. I told them that I had sent them a letter explaining that I do not owe this debt. He claimed that I had not sent them a letter. I told them that I had proof that they had received the letter and then he admitted that he had the letter. He told me that they would verify the debt and then report me to the credit agencies. He recorded the call, but only part of the call.
I have been trying to reach someone XXXX at American Express regarding suspected fraudulent balance information given out by XXXX automated system and can not get anyone in the XXXX. When i call XXXX in NYC they tell me my only recourse is to e mail the chairman.
This has been an ongoing issue with equifax since XX/XX/2015 to present. I have attempted numerous times to have identity theft information removed from my credit report with equifax. Instead of them removing the information they keep reinvestigating and not providing any documents, not providing my legal signature on a contract or any contracts at all. As one last ditch effort I mailed out another request to Equifax requesting to have these items removed and it has been 30 days with no response. NO CONTRACTS OR DOCUMENTS have been produced. I have also provided credit reports from XXXX and XXXX because they have complied and have removed this information and not reporting as EQUIFAX continues to do so. Equifax continues to apply stall tactics, not complying with FCRA and not complying with the law for consumers.
Reserved an suv rental car at XXXX of XXXX in XXXX 2016. Upon arrival to pickup rental car, XXXX had run out of vehicles and had to fetch anything from another lot. After departing the lot, I realized the vehicle had some mechanical issues. Whenever I let my foot off gas it stalled- This caused me to almost get in a collision while merging on the freeway. I was close to my hotel so parked the vehicle and called/emailed XXXX to get a replacement as I was scared to drive the vehicle as I felt it was unsafe. XXXX did not respond during rental period. I had to take alternate transportation ( XXXX ) instead and provided receipts to both XXXX and my bank wells fargo. ( car rental was paid with wells fargo debit card so I disputed transaction ) Upon time to return the vehicle no one had contacted me so I drove straight back to rental facility. When I returned the vehicle, I told attendant about the problem. XXXX contacted me after my return home and offered a free one day rental of which I told them that was unacceptable considering the vehicle was not safe.I have been issued a provisional credit by wells fargo but they havent taken any action on a permanent decision
I applied for a short sale back in   XXXX   XXXX     with  Wells Fargo Home  Mortgage. I was told that the turn around time wa s 1 week for docs to be reviewed. It has taken them 3 to 4 weeks to review documentatio n, each time requesting something else. I explained that I was trying to keep the payments up on this house and needed to close as soon as possible. My point of contact with  Wells ne ver reached out to me. I spoke to him  two times  and it was due to me initiating the call. I have spoken to managers and been given different answers concerning the short sale approval. I was told that the loan needed to go to HUD for approval due to the appraisal coming in low as compared to what is owed on the loan. However the initial appraisal was obtained in the end of   XXXX   the beginning of   XXXX   so why would it take until  XXXX  for the loan to go to HUD for a variance. I was just told today that the loan went back to HUD for another variance. I have been in communication with the  executive o ffice and was told I should have an answer no later than this week. So far no one seems to know, understand or care about what the dela y ( s ) a re or have been. Since I am used up my tax refund to keep up with the mortgage, I am now late. From   XXXX   until now I was on time. It seems like they want me to loose my home. I spoke with   XXXX   XXXX   today and it appears as though the previous note s may have b een removed as he does not seem to have evidence that the loan went to HUD in  XXXX  for a variance. However, I have a ticket number for the original variance with HUD and that number is  XXXX  evidencing HUD approved the Variance. Please assist in researching the matter as I do not want to loose my home.
Threating that I would get a letter from lawyer. I spoke with original debt and they stated I could pay them for my debt.
Equifax is not reporting my credit history. I have asked them to run my information so that my credit history will show ; however they ca n't seem to update but one thing at a time. There have been several issues on my credit report with equifax and it is effecting my life ; as most run the equifax credit bureau. I have spent well over a month trying to get everything corrected. I am attaching a full credit report and I want equifax to get my information right. What do I need to do?? See attached.
, My mortgage company added {$1000.00} onto my yearly payments stating that my real estate taxes were upped. I sent the DiTech company XXXX statements from the city showing that my taxes were not raised. Di tech said they never got the statement about the bill. Di tech wants {$80.00} a month more.I sent my XXXX payment but XXXX XXXX refuses to recognize the payment. It wants {$1000.00} as of XXXX XXXX. The company refused recognition of the payment cashed by them on XXXX XXXX. They started foreclosure on me saying I was 30 days late. They want an extra {$54.00} on my payment plus late charges which accrue each month because they refuse to change the due date on the payments. I called FHA they said there was no restriction against changing a loan payment date even though Ditech told me it could not be done. Today a paper was left on my door from Ditech. There was no envelope and no stamp which showed that a person showed up on my door step. I consider this a threat against me.
DCI called a few times to collect an old debt. They told me if I paid in full right at that moment they would remove the item from my credit report completely. So I paid over the phone. The item is still on my credit report and they refuse to remove it.
I request a payment extension, for XX/XX/XXXX and XX/XX/XXXX and they granted. It shows XX/XX/2018 30 days past Due. When I was under the extension for those months. XX/XX/XXXX, XX/XX/XXXX. And pay in XX/XX/2018, which I paid, and also paid XXXX for the extension. Please I need your help.I would really appreciated. I need that past due to remove. It shows in the others credit bureau. Thankyou.