WillisBack/dataset-financial-user-claim huggingface dataset:
For the past year, I have been unable to make extra payments online. Whenever I try to make an extra payment, I receive an " error - payment could not be processed '' message ... every single time. In order to make an extra payment, I need to navigate to an option that allows me to use the old version of the website, and then I am able to pay an extra payment. Navigating to the old website is not easy to do, no where does it say you can still do this ( I stumbled upon the option by accident ), and this error has been happening for several months and is clearly an attempt to stop people from paying their loans ahead of schedule.
I called last year in XXXX to try to lower my payments. I was told that they couldnt lower my payments. They offered me {$15.00} cheaper but my interest rate would be higher and it will add 2 more years to pay it off. I told them that it was too high and that is insane to pay {$15.00} less and have 2 more years added to pay that off so I stuck with the higher payment but shorter year. I also told them I was in school so do I get a forebearance because of it. They said no. I felt like no one tried to help and they were going to make me pay no matter what.
I submitted a complaint against FMS Investment Corporation last year because while attempting to arrange reasonable payment arrangements, they submitted a Federal offset to the IRS. I recently noticed that they responded to that complaint, but their letter was sent to the incorrect address. Since then I have consolidated my student loans, all student loan servicers were notified ; however, FMS Investment Corporation is still showing as a collection agency and they still have not removed the XXXX offset. By comparison, a different student loan collection agency immediately removed the XXXX offset when they were notified that the student loans were being consolidated. The student loan servicing agency who hired FMS Investment Corporation for collection is no longer servicing my student loan and the offset should immediately be removed. I believe the school I was attending at the time was University XXXX ; however, I immediately enrolled in XXXX School so it could be also be XXXX University.
Despite the evidence I have provided indicating that the  XXXX   XXXX   XXXX   XXXX   XXXX  violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX /  XXXX   and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /  XXXX   after I was notified about it on  XXXX / XXXX /  XXXX   -- the  XXXX   XXXX   XXXX  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  XXXX   XXXX  assigned to it.
Wells Fargo offers cellular phone " insurance '' against damage or theft if you pay your cellphone bill with their credit card. I have been on auto pay to pay my cell bill for five years. In XXXX 2015 XXXX cell phones were damaged : XXXX dropped and died, other flooded in a storm while in my pocket. WF ins co says that the to be eligible for the insurance in the month of the loss/damage the prior month my cellphone bill had to be paid by my credit card. Note I have never had a prior cell claim so it is n't like I am working the system. Well ... XXXX pulls my cell bill from Wells Fargo credit card on the XXXX of every month UNLESS it is a 30 day month then the payment is pulled the XXXX of the next month. My XXXX payment was pulled XXXX XXXX thus in the month prior to my loss there was no payment. I think this is a financial company trying to wiggle out of their obligation on a technicality. The claim administrator satisfying the Wells Fargo guideline phone number is XXXX and my XXXX claims are XXXXand XXXX
My data, including SSN and addresses, was stolen as part of the major Equifax hack. In order to receive the free credit monitoring service through Equifax, they are requiring I waive the right to participate in a class action lawsuit. I do not wish to waive that right, so I am not able to receive any recompense for their improper security measures.
I was made aware of a signup bonus of XXXX XXXX XXXX AAdvantage points for opening a Citigold Checking Account at CitiBank. I opened the account in-branch, having confirmed verbally with the banker that I was eligible, and had the promotion attached to the account. He specifically checked for the existence of a Citi AAdvantage Mastercard on my account and noted that had I not had one, I would not have been eligible. I further confirmed by email with the banker that the bill pay I set up would meet the requirements of eligibility, and received a response in the affirmative. Having completed the eligibility requirements, I inquired with Citi about when I would receive these points and was told they would not be honoring the offer. I appealed this decision, and then escalated it one more time, each receiving the same form response that I was not eligible for the promotion. There are widespread complaints about Citi also doing this to other people, and I believe it qualifies as deceptive and misleading. I would not have signed up without this promotion.
Chase moves the debits around when your account has a low balance and causes your account to overdraft. Then they charge an overdrsft fee for each. My account had a balance of {$19.00} on XX/XX/XXXX. One item of {$39.00} was debited to my account. All the items that had been paid were shuffled around and they were able to come up with three items within that {$39.00} range that the could charge fees on. This happens all the time. This is my third complaint about this practice at Chase. If the overdraft fee is bal is I dont have a problem paying it but they are manufacturing fees.
Chase received payment for a credit card account that was paid off as part of a second home mortgage. The escrow company sent the payment XX/XX/XXXX with my name and account on the check. Chase continued to send non-payment notices and damaged my credit. I finally got the escrow company to resend the fax of the check.I asked Chase to send a copy of a letter to the credit agency to correct the damage. They did not. In fact, when they did send me documentation that the account had been paid and I was due a balance of {$62.00}, it was in a past due notice format and language but had a credit. Not the first issue with Chase. I leased a card from them and then bought it from them but they kept saying I had the title after the lease was up. A pattern of poor records.
My information was stolen last year around XX/XX/2017. Money was taken from my account several Charges were made. I had almost XXXX in my savings account. It is now XXXX. I have contacted merchants and my bank for help but no one has gotten back to me.
I am a licensed attorney in the state of California. I have always paid my law student loans on time. I received robocalls that left voicemails on my personal cell ( my cell XXXX ) : 1. ) Fri XX/XX/XXXX at XXXX PT from XXXX, and 2. ) Wed XX/XX/XXXX at XXXX PT from XXXX. 

Both voicemails failed to identify the company name ( red flag ), but both left the same return phone number : XXXX. 

I called, today Wed XX/XX/XXXX at XXXX PT, and I spoke with " XXXX. '' I asked him what company he was with. He mumbled " Performance [ inaudible ] LLC. '' When I asked follow-up clarifying questions, it was abundantly clear that he did not want to disclose the name of the company or allow me to get clarity ( another red flag ). I surmised that the company was based in California because of the XXXX area code. I XX/XX/XXXX " performance LLC student loan '' and found their website : http : //www.performanceslc.com/. He hung up after 2 minutes, 47 seconds. 

I called a second time at XXXX and spoke with a woman. This time I requested that my phone number be removed. She said that they would do so. But there is no way they could have because they did n't even have my first name, and I called from my office line -- not my personal cell. She hung up after 33 seconds. 

I want them to remove my phone number, which they should n't even have because my phone number is on the FCC Do Not Call registry. I find their business practices underhanded and lacking in transparency. For that reason alone I would avoid them.
Dear CFBP, Chase Bank has been abusing me as a customer. They have failed to account for my mortgage payments correctly. Chase lists that I have paid {$2900.00} to my principle but my average principle payment per month is about {$500.00} so this figure should be {$6000.00}. Also, Chase has mismanaged my mortgage banking records since XX/XX/XXXX and it has taken me over XXXX calls and XXXX emails and faxes to get my basic mortgage accounting records added up correctly. This faulty accounting and mismanagement of my mortgage payments is illegal. 
Thanks, XXXX XXXX
On XX/XX/2018 I requested a re-Investigation under the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, Subsection A-D to provide me the name and business address of each individual with whom they verified with on my orginal request to investigate my dispute dated for XX/XX/2018. 

I received a responce back asking specifically why I should have the original items re-investigated which its clearly my consumer right to have a re-investigation if im wanting mnore information abouit there first investigation. Please see all letters attached including Experians recent Stall Letter to not investigate my disputes when requested.
Fifth third Bank appears to be structuring their checking account transactions so as to generate more overdraft fees for themselves. More specifically, it appears as though they 're delaying the posting of transactions, and fees to generate more overdraft fees. I had an insurance payment of {$160.00} on XXXX, which showed as paid on XXXX by the insurance company. Fifth Third did not post this to my account until XXXX. Then, on XXXX before XXXX I made a withdrawal from a non-Fifth Third ATM. They did not deduct this from my available balance until XXXX ( posted on XXXX ). They also delayed tran non XXXX XXXX ATM fee they charged. It seems like they should charge the fee at the point of the withdrawal. The only reason to delay that fee is to misinform the customer on their true available balance ( resulting in overdraft fees XXXX.
I have been paying my mortgage on time for 5 years. I experienced a reduction in my income since XXXX of 2015. In spite of the reduction in income, I remained current on my mortgage payments. Recently, however, I was not able to make payments on my second mortgage with Carrington. I did fill out paperwork with Carrington asking for hardship assistance. Instead, I was sent a document with a repayment plan that far exceeded what I owed in back mortgage payments and exceeded my normal monthly payments. The question I presented to Carrington was one that underscored that raising the amount I owe per month is not a viable solution to my financial hardship. As I discussed the matter with the representative, I was told that I could afford the payments based on the documents I submitted. I am not quite sure how they arrived at that consensus considering my low credit score and overbearing monthly financial obligations. As we discussed the situation further, I was told that I have only two choices ; pay the higher monthly re payment plan or come up with at least 2 regular monthly payments by the XXXX. I was then told that there is no guarantee that the payment will be accepted after the XXXX. I was told that foreclosure proceedings might progress. I am working very hard to raise 2 months worth of mortgage payments to avoid falling into their repayment plan which looks like a scam, because some of the payments wo n't be applied directly to my principal and interest. I 'm asking for intervention into this matter, and a fraud investigation to be opened. Thank you for your assistance.
Please know that I have filed a lawsuit against Bank Of America, XXXX, XXXX, And XXXX concerning the tradeline on my credit report from Bank Of America. I have already prevailed in XXXX of the cases against XXXX of the agencies. I have enclosed a copy of the complaint and proof of service. I am trying to avoid Small Claims and civil case. I am giving one last opportunity to correct their mistake and remove Bank Of America completely off of my credit report or correct the trade line as never late. 

In a recorded conversation, the representative said that they were not able to prove/send me anything that I was ever late. I have shared this phone call with the credit agency, and to Bank Of America Corporate, yet they continue to report inaccurate information about me and I have sent several rounds of letters to both Bank Of America And The Credit Agencies, all whom now have individual cases that I have brought against them, XXXX of which I have already prevailed with damages under the FCRA. 

At this point the damage has been done and I am holding all parties from the Information Furnisher to the credit agencies all responsible and have yet to receive any correspondence from Bank Of America Or The Credit Agency regarding any responses to my letters that I have sent certified mail, all were received. 

All of my previous letters via certified mail stated my reasons for dispute and were not frivolous in anyway. 

I will prevail as the protections afforded to me under the FCRA entitle me to {$1000.00} per violation. This is my final communication attempt before court in XXXX.
My name is XXXX XXXX and I am filing a complaint on XXXX. I was shocked to find on my credit a debt of XXXX in XX/XX/XXXX or XX/XX/XXXX after running my annual credit report. I reached out to this vendor and they informed me that they were given my loan from XXXX XXXX. I did not understand what this debt was until further investigation which it belong to Beneficial that had closed their loan offices in XX/XX/XXXX. When I spoke with them in XXXX, XXXX acted like they were a legal agency who was taking me to court so I out of fear begin payments of XXXX per month and eventually as they called once a year and informed me that I was n't making a dent in my account I increased to XXXX per month. Several times I was inquiring about how the debt went from XXXX to XXXX and they informed me it was because of interest. This year I did some research about understanding my rights and I was informed that a agency should not misrepresent themselves as attorneys and any threats made to the consumer are also illegal. Furthermore, when requesting to speak with the initial debtor I was told I could not and they were handling my account. When reviewing my initial documents and questioning the amount I owed I discovered that I only owed about XXXX. Because Beneficial is no longer in business I was also made aware that they went bankrupt and that it may be possible that my debt is cancelled. I am wondering since I have paid XXXX almost XXXX am I still required to pay more than XXXX % of my loan. I read that a consumer must only be made to occur only 1/8 percent of additional fees.
The company Global Credit and Collections aka XXXX aka XXXX are trying to recover a debt that I forgot I had it was over 16 years ago, or I may have paid it. I got a phone call, missed it and over heard the voicemail. Days before I received a letter which I notice had me to pay overXXXX, never had debt like that.
I 've been a victim of identity theft. On or about  XX/XX/XXXX  I 've obtain a  XXXX  Credit card and was given a free credit report. I soon then gotten a delinquent notification on my credit report. I then found out that I have a Macy 's CC that I never open. The last time that I applied for a Macy 's CC was back in  XX/XX/XXXX  and I decided not to use it because I only have a limit of {$100.00}. I soon called and find out that the Macy 's CC was open on  XX/XX/XXXX  and the person who did this was making payments on it. I called and ask about how this has happen and filed all type of paper work to get this fix. But it been about a year now and nothing has been fix. I submitted A police report followed up with a identity theft affidavit to help me get this fix. But Macy 's department keep denying my case for over 1 year now. I 've even got the purchase info for the person who was using the account and it was clearly a woman whom was using the account and yet the said it was me and denied my claim because they said that I open the account with me ID. But clearly this a identity theft issue. Macy 's has yet understand that. They will not give me the account number because they said it 's a identity account but after even saying that, they are still pursuing me to pay the amount that I never use or open up.
In continuing with # Case number : XXXX the second check in question, number XXXX was never received by me, and as I understand it, this check was fraudulently cashed. I never authorized or saw this check in question. 
Barclay Card Services must investigate this issue. Please contact me for any questions. 

I will be faxing the check with my letter of authorization within three business days, thank you, XXXX XXXX XXXX
i have asked Medical data systems and XXXX, XXXX, and XXXX to validate this debt. i have asked for the information that are using to be sent to me that proves this is my debt, I DON'T GIVE PERMISSION TO ANY OF THE LISTED NAMES ABOVE TO HAVE MY MEDICAL RECORDS, SO DO NOT TRY TO PROVIDED AN ITEMIZED STATEMENT FOR THAT DOES NOT VALIDATE A DEBT UNDER FTC OPPENION LETTER THE NEED TO PROVIDED AT, PROMISSERY NOTE OR AGREEMENT MADE BETWEEN ME AND THE ORIGINAL CREDITOR THAT SHOW AN AMOUNT THERE NAME MY NAME AND HAS MY SIGNATURE. THAT IS THE ONLY VALIDATION THAT WILL BE EXCEPTED BY ME AND BY ANY COURT. 
IF I DONT GET THIS INFORMATION THAT IM REQUESTING ILL WILL FILE IN OKLAHOMA COURT AND SEEK FOR THIS INFORMATION AND IF THEY CANT PROVIDED IT AT THAT TIME I WILL ALSO ASK FOR A MIN. OF {$1000.00} PER REPORT. 

IF THEY PROVIDED AN ITEMIZED STATEMENT THAT HAS ANY OF MY MEDICAL RECORDS OR CONDITION ON THEM I WILL THEN SEEK FOR MAX ALLOWED IN COURT AND FILE WITH ATTORNY GENERAL SEEK MAX FINES. 

I'M ONLY ASKING TO VALIDATE ACCOUNT WITH A CONTRACT THAT BEARS MY SIGNATURE THATS IT.
I am still very confused. Between multiple dispute letters, filing complaints, and a confirmation email with document stating removals of the XXXX XXXX account from my credit report. Transunion is still reporting it! XXXX and XXXX have removed. Why is Transunion torturing me like this. I know they 're upset I complained but they would too. Can you please help me consumer finance. Do I need to come in person to file more official documents? and bring my stuff? Thank you
MB Finanical has lost requests to take off my PMI, after this was lost the fee to assess my current mortgage value increased. After I paid the new fee after being told that my LTV % was XXXX, they then told me that my LTV increased to XXXX %. Missed payments, solid history my PMI is n't going to be removed because they say that my LTV is at XXXX % When speaking to the bank they were unable to bring up my full records and told me that I would hear back from a manager, that has not happened. They have not been able to tell me why this as occurred and continue to receive my payments with the PMI on them. Due to this they have been able to continue to receive PMI payments when they are no longer applicable. This feels like fraud.
Over a year ago my mortgage was transferred from XXXX to Caliber Home Loans. It was a very tumultuous time period because I 'd filed for bankruptcy BUT my home was NOT included and I always paid as agreed. Apparently, per Caliber Home Loans over 2 years ago XXXX XXXX XX/XX/2012 XXXX they said that I did n't make a payment, which is not true because my payments were made automatically using automatic bill pay set up with my credit union. My credit union shows the payment made per the history provided. As of recently, I am receiving mortgage statements equating to the missed payments plus late fees that they just tacked onto my account. Everytime I call Caliber loans, I speak with a different representative who provide a different story regarding my account and want me to agree to pay the late charges when I was never late. Also, prior to this discovery, they were not reporting on my credit report and NOW they want to report derogatory information which absolutely not true. Please provide the necessary assistance I need because I will not pay XXXX for payments Caliber say I missed in XXXX XX/XX/2012 to XXXX. I 've always paid my mortgage.
In XX/XX/XXXX I used my Bank of America ( BofA ) VISA credit card to purchase a product from XXXX XXXX. The item was pictured in the XXXX on line catalog. I received the item ( a clothes dryer booster fan ) on XX/XX/XXXX. It was not the item shown in the XXXX XXXX on line catalog, and was a less quality and less operative item. I contacted XXXX XXXX by email on XX/XX/XXXX and conveyed my concern. XXXX XXXX instructed me to take a photo of the item I received and email them the photo. On XX/XX/XXXX, XXXX XXXX then emailed me instructions to return the item to an address they provided, and they would issue me a refund. On XX/XX/XXXX I shipped the item via XXXX and received a confirmation of delivery by XXXX, signed for by XXXX at the address provided XXXX XXXX, on XX/XX/XXXX. XXXX XXXX never refunded me. 

I contacted BofA with the challenge to charge. On XX/XX/XXXX I received a letter from BofA. The letter was dated XX/XX/XXXX, post marked by the USPS XX/XX/XXXX. The letter instructed me to respond by XX/XX/XXXX or my claim would be denied, which was impossible to do since the letter as stated above never got delivered by the USPS until XX/XX/XXXX.. In the letter XXXX XXXX told BofA that I had received the item and I was using the item. I provided copies of the email instructions from XXXX XXXX and a copy of my XXXX delivery confirmation to BofA. BofA denied my claim because I FAILED to meet the BofA deadlne. I contacted BofA to appeal and they denied my appeal, again stating that I FAILED to meet the response deadline of XX/XX/XXXX. Interestingly BofA said that they had the XXXX XXXX for 3 weeks before the generated the letter to me and they were not at fault for USPS not delivering the letter to me in a timely manner.
Called the customer service for the XXXX XXXX XXXX card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that XXXX  reported a complaint.  The Credit specialist at XXXX is not giving me much information or having this resolved.
Toyota Financial Services had my vehicle repossessed for XXXX in arrears. I offered to pay back balance plus towing expenses before it left my driveway and they said no. They insisted that I pay off the balance of the vehicle at a XXXX. I said I was interested in keeping the vehicle and protecting my credit and they stated they would only let me pay off the vehicle. I again offered that I could pay past due amount and towing to stop repossession and they refused and took my car. Now they said I would have to pay XXXX, towing fee and transfer fee as they are moving to an out of state towing area to have it auctioned off. So I asked if I could pay for it when could I get it back they said I had to wait seven days. I said you just told me you were moving out of state to be auctioned XXXX but I have to wait XXXX and incur extra charges because you move it. They said yes ... I 'm not sure what my options are, please help. This happened XXXX other time and the amount was XXXX plus I paid it immediately and stopped any issues. When I offered this time and the amount is actually less they declined and said they were taking the car and my only option is to pay it off. This is my sons car and as a government employee who may be furloughed I 'm trying to save my credit and my sanity.