WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter today stating that I owed a minimum payment due of {$78.00} I have not used the card in months. 
I made a payment {$40.00} on XX/XX/XXXX, which was the balance due. 
Citibank is stating that the payment was late and has been charging me {$37.00} per month for late fee 's with no account balance. 
When I called they told me I owed {$110.00} in late fees but would deduct one month so I owed {$78.00}. 
I did pay it because I do n't want them XXXX with my credit. 
Most importantly I was unaware of all this until I received the letter today. 
I have never received a bill or an email that my account was in arrears. 
I am irate that they are charging me for a clean account balance.
The company is Navient and this is for a private loan payment. The reason they are calling is to find out when I 'm going to make a payment and that 's fine but I do n't need them calling me 6 to 8 times a day. Meaning, when they call me they leave a message then call right back again from XXXX different numbers. This is excessive and I do n't need them calling me that many times a day. Please make them stop calling me 6 to 8 times a day.
I recently had a flood in my home due to faulty XXXX, my laundry, bathroom, back bedroom and living room had all water damage. My insurance company quickly came provided me an estimate of damage along with a check for XXXX in turn I needed to have submitted to my mortgage company to have them endorse and return the funds. Midland Mortgage asked for the following information : Endorsed check, insurance estimate ( all pages ) and receipts of items purchased. I sent all items requested and they confirmed receipt of all documents on XXXX which was a long time since I mailed them over night on XXXX. I felt it was unsafe for me and my family to wait for the money to be dispersed by the mortgage company so I went ahead and purchased all the materials and paid to have the work done with my savings. It has been approximately 15 business days since they claim they received the documents according the to post office they received them on XXXX ( which that would be 21 business days ). I have contacted Midland Mortgage repeatedly to ensure I sent them all the correct documentation and that my claim was being processed I was advised all documents needed were received and they would begin processing it. I was first told they were working on it, I paid my mortgage payment on the XXXX of XXXX and called on the XXXX to follow up in a weeks time and they than told me that they just started working on it and it could take up to 20 business days to process. I called today 14 business days after they claim they received the paperwork and was told I would have to wait at least another 7-10 business days for processing than at that time a decision would be made. I do n't understand what decision has to be made? My mortgage payments are up to date, the damage has been fixed all of it, my insurance company worked quickly and provided me the monies to avoid a mold issue, luckily I had the savings to cover the cost if not my family and I would be living in a house that would be prone to mold. Midland mortgage should not have the right to hold the money that is rightfully mine as I pay for my insurance as I am not behind in any of my payments, especially if the work is already completed.
On XX/XX/2018 I had a hard inquiry enter onto my credit report. I noticed it was through a bank, I havent applied for anything to obtain this inquiry, so I contacted the company from the phone number provided in the inquiry, they were unable to find any account for my social, however found plenty with my name. Was wanting to file a complaint to have this remove from my account.
We have reviewed the Fay Servicing response and my wife & I - plus our family adviser have found the answer Unacceptable. Again, for the better portion of a Year, Fay ( individuals named additionally-emails retained for examination ) Maintained continually, that the derogatory comment would Not, repeat-NOT affect our Credit Rating. Basically they said " Fu-get-about-it ''. From last spring, we have written documentation that in fact It Did impact and Prevent our family from obtaining a home improvement loan. Our conversations with Fay Servicing concerning this matter have altogether been Unsatisfactory 'at the minimum '. They do not seem to grasp the number or substance of proof we retain proving our side of the dispute. Further can be documented.
I was waiting to get paid to pay my car payment, the company called I gave them a date to paid the rep I spoke was so rude says you need to think of something we need payment now, I advised needs 7 more days to make a payment, the rep says the vehicle is out for repossession by the rep telling me that I did not want to make a payment, so 1month later after that my vehicle was repossessed. The reps does not the the right to talk you a paying customer that way!
XXXX XXXX continued to take automatic payments from my bank account but reported 4 payments as late incorrectly.This is false reporting.
The collector contacted people around me who has no idea that I owe money, and they are people who are my family member and my friend who has nothing to deal with my personal life. They stated who they are, but then when ask for more detail, they just keep asking to speak with me. My sister has told them not to contact any other third parties other than myself, yet they tried to contact my ex room mate the next day.
I opened a checking account with various requirements to receive a {$200.00} cash back promotion. I satisfied the requirements and after XXXX phone calls and XXXX visits to the branch over the course of more than a month the reward has not been deposited into my account.
My husband and his relatives ( people who use to live in my address ) received several calls from the following number : XXXX. A woman on the phone, did not identify herself said that police officers are on their way to my job to arrest me. She made several phone calls to my son, my husband 's children. She said the call is for Zales jewelers from account in 1997.
Nationwide Credit is acting illegally and unethically in dealing with a debt. Their license in CA must be pulled for unethical behavior. At issue is the fact that we are trying to do a short sale. CA law forbids contribution to junior lien holders in a short sale. Nationwide, the junior lien holder, is trying to receive a significant contribution which is illegal. To make matters worse Nationwide a division of XXXX very well knows that their parent company 's policy is pay junior lien holders 8 % of their outstanding debt on a short sale. This is the amount being owed to the owner of the debt and their parent company XXXX. XXXX only pays 8 % they can receive 8 % too. What 's good for the goose is good for the gander. Try to illegally play a shell game and move this debt to their Nationwide department does not obsolve them of the requirement of receiving 8 % of their pay off for the short sale only! Nationwide/XXXX must issue an approval letter ASAP to match the amount notated on the first lien approval letter attached.
In XXXX of 2016 Navy Federal Credit Union reported to the credit bureaus that I was 30-59 days late in payment. This happens to false.
I notified the company CPS about my recent accident on XX/XX/XXXX. My car had pretty significant damages but I was currently taking the other driver to court and paying my loan and insurance and also notified CPS around XXXX XXXX. that I would need an extension until I go back to work XX/XX/XXXX. An extension was granted and to this day it states I don't have anything due until XX/XX/XXXX. I found out today XX/XX/2019. My vehicle was repo 'd while at the repair shop. I received no phone call/voicemail/letter stating this was going to happen. No notice stating that it was even an option. If it were, I would have done what was needed to prevent it. Especially while currently dealing with an auto injury/ prop damage case.
Experian has not verified any of these accounts which I have been asking for and now they State they are not going to reinvestigate anything until I provide new information which does not make sense.
I have a bussines account at Suntrust Bank, as well a personal account wich is close by now, from my bussines account Suntrust bank took XXXX USD with out any autorization on my side. I need this money immediately and Suntrust is refusing to credited it back. I 'll apreciate your help. 
Best regards, XXXX XXXX
Since XXXX of XXXX, I have been disputing my account with Wells Fargo for my Home Equity Line of Credit ( HELOC ). I have sent certified letters, regular mail and called to speak with the representatives of Wells Fargo. 

I have disputed all of my credit reports with Wells Fargo because they are reporting as if the account is currently delinquent and they are not reporting all of the account payments prior to XXXX. This account has been a charge off account for years and each time that I dispute the account it is re-aged as if it were a new delinquency showing as a collection account, not a charge off account. 

I have spoken with a representative of Wells Fargo and informed him that I received a letter back and it stated that the account is still CONSIDERED collectible with an outstanding balance. 

I explained to him that I have read the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCRB ) as well as the Statute of Limitations on filing with a collection agency and the courts. The representative put me on hold to speak with a supervisor and then explained to me that the account is not scheduled for expedited collections but I will periodically receive letters for the balance. 

I requested a letter from Wells Fargo and that they report the account accurately as stating in the FCRA AND FCRB and that I understand that the word Considered is synonymous with may and that Wells Fargo may file with a collection agency or they may not file with a collection agency, which from my understanding violates my rights. The home was foreclosed on and I only requested accurate filing status because it has stopped me from gaining employment due to inaccurate filing on my credit report, which I believe is an intentional act by Wells Fargo. 

I was informed that notes would be taken and forward to correct any misfiling on my credit reports, which has not been done to date.
I ordered something on XX/XX/2018 and cancelled it in the morning. Since it was a international transaction, I cancelled the order and called my bank first thing in the morning to give them a heads up. The company said since it's a international transaction, it'll take 2-3 weeks to get a refund. I never received my refund and the company stopped replying to my emails. I called my bank and they marked it as a fraud case and wanted me to prove the merchandise was counterfeit, even though I never received it. After several months of back and forth, I finally got in touch with a supervisor who listened and realized the reason my claim kept getting denied was because it wasn't a fraud case and instead just a dispute, she said I'd get my money back in a few days but I never did. I've been calling US bank and staying on the line for hours waiting while my call is transferred to the correct department only to be picked up by voicemail -- apparently their dispute department only works couple hours a week. 

I just want my {$330.00} back from US Bank. I called them when I cancelled my order and I never received the merchandise ( i cancelled it ) and never received my refund from either side. I'm not sure what actions I can take to get my money back.
HI : I am XXXX XXXX XXXX I had XXXX accounts on XXXX they were open it on XXXX XXXX XXXX ( Num. XXXX ), and XXXX XXXX XXXX ( Num. XXXX ), my issues are On XXXX XXXX XXXX my financial institution ( XXXX XXXX XXXX XXXX ) notified me by mail, about some irregular transactions made, on my visa card, from ( XXXX or XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), causing me problems with my credit, credit line, credit score and my piece of mine. 

The issue that I have now with, ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) is the account ( Num. XXXX ) has been send to a different debt collection company name, ( AFNI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Who is billing me {$460.00}, basically is the same issue stated on my first Complaint with the case number XXXX, on XXXX XXXX, XXXX, with Related Case Number : XXXX, for the account ( Num. XXXX ), resolved in my favor, Please help me with ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) from their continues harassing. 
I am summiting again the document, that include in detail the unauthorized transactions and the step taken so far, from my financial institution ( XXXX XXXX XXXX XXXX ) and myself.
The borrower, XXXX XXXX, had agreed to XXXX loans on behalf of his daughter, XXXX, and it would appear that payments were not made timely so the matter was referred to a third party debt collector, Account Control Technology , Inc. ( " ACT '' ). ACT has claimed that it has acted on behalf of XXXX XXXX XXXX XXXX XXXX, the creditor. ACT has more than doubled the debt by adding to the loan principal, without explanation, and adding a collection fee which equals more than XXXX third of the amount which XXXX XXXX has appeared to borrow. We have asked for substantiation and clarification, and received no response. Out letter to ACT, with exhibits, is annexed. 

Meanwhile, ACT has served a notice of garnishment upon XXXX XXXX 's employer based upon the inflated amount being demanded and ACT has ignored our demands to refrain from collection activity until we can clarify the matter, as requested. 

We are seeking your assistance since it would appear that ACT has unlawfully increased, perhaps doubled, the amount of any sum which XXXX XXXX has borrowed, and they are trying to use Federal Regulations to their advantage, to try and collect an amount which is not lawfully due.
On XX/XX/XXXX and XX/XX/XXXX I bought {$700.00} of Bitcoin using the coinbase app. A {$100.00} and a {$600.00} transaction.

They double charged my checking account resulting in a {$1400.00} charge. When their customer service finally responded to me they told me to file a dispute with my bank. I did. My bank gave me the {$700.00} back, leaving me with my initial {$700.00} still left in Bitcoin. Everything was well.

On XX/XX/XXXX and XX/XX/XXXX, coinbase took {$700.00} worth of Bitcoin from my account and sent it to themselves. 

I have been trying to reach them ever since so that I could get my money back. The remainder of my initial investment is still in Bitcoin and I would like to withdraw now. One issue is that {$700.00} they took is now worth over {$1000.00}. They took XXXX worth of Bitcoin from me for no reason and I need that money back.
In XX/XX/XXXX I was informed by XXXX XXXX that LexisNexis was showing a claim history for me ( including a {$31000.00} claim in XX/XX/XXXX ) that forced them to decline me homeowners insurance. 

I contacted LexisNexis and found out that they had mixed the records of an XXXX XXXX XXXX with mine ( XXXX XXXX XXXX ). When I asked them to correct this they told me they had 30 days to investigate even though the XXXX XXXX lived in another state and had insurance with a different Insurance company ( XXXX ). Claim number XXXX was assigned Despite dozens of calls and promises that they were expediting their investigation nothing happened. The " fix '' was as simple as getting the other persons social security number to confirm what I told them. I supplied the other persons phone number, address and insurance company as well as people at XXXX who could also have separated our records. 

LexisNexis may be a company most firms rely on but as far as I am concerned they need a big slap on the wrist for careless reporting and then a incredible lack of judgment and concern for their negligence. 

Recently they removed that XX/XX/XXXX claim from my file while incredibly leaving other claims for that same individual in my file. How can this company be allowed to operate when they can't separate two people who don't even have the same name. How many red flags do they need? 

This has cost me hundreds of dollars in insurance premiums as the insurance policy I was quoted became unobtainable. In addition, I have spent dozens of hours and endured frustrating discussions with poorly trained employees I would like them to be fined and I would like to be compensated for their negligence Anyone in my shoes would understand that LexisNexis needs to retrain employees as well as overhaul how they collect, record and file information Thank you
I had cosign for a {$20000.00} student loan for my step daughter, but the XXXX XXXX loan services add another {$84000.00} on my name which I never sign for and now they are forcing me to pay the full amount of the loan back which is {$100000.00}. 
or they will report it to the credit reporting agency that I was late, my credit is perfect and I 'm not willing to lose my credit just because this company adding all those loans to my account and I have never sign for it I do have all the loans documents that I had sign for. 
Is this the way to steal the public money? They better remove my name from the {$84000.00} now or I will take a legal action soon. I been talking to this company for a wile but they are not responding at all.
PNC is a bank that uses predatory, misleading, and bait-and-switch tactics to trap customers. I was convinced by a PNC bank representative to open up a checking account with them. He told me that I 'd even get a {$400.00} bonus credit if I receive direct deposits onto that account totaling {$5000.00} or more. I direct deposited over {$5000.00} as dictated by the terms. No bonus credit was ever received. 

As if that was n't frustrating enough, the bank will not let me close my account without charging me a series of ridiculous fees. This bank is extremely predatory, lies to its customers, and traps their money. Even leaving my account open, they have found excuses to charge me various " service charges. '' I have, several times, attempted to contact PNC Bank, only for their representatives to hang up on me spontaneously without addressing my problem at all. This bank will absolutely attempt every tactic to frustrate its customers into being complacent with having their money stolen.
XX/XX/XXXX I attended XXXX XXXX School ( XXXX  ) XXXX, PA for an 18 month degree in XXXX XXXX. Later becoming XXXX XXXX College. 
Graduating in XX/XX/XXXX and the school closed in XX/XX/XXXX leaving me with no records and debt that was way more than they agreed to. As well as many empty promises such as employment placement. 

In XX/XX/XXXX I took a SUBSIDIZED CONSOLIDATION LOAN with AES for {$7100.00} as well as a UNSUB CONSOLIDATION LOAN {$10000.00} a $ XXXX loan will cost me {$34000.00} when its all said and done, for a school that no longer exists. 

I was looking to get some sort of relief from these loans, 5 % seems a bit much for a student loan. I have a great credit score, and I find it unreasonable that my rates are so high. 

Any help would be appreciated.
To whom it may concern, Please I need some help here. I have not received my merchandise a Samsung tv that I ordered on line. On or about XX/XX/2016 I saw an ad on craiglist for a sansumg tv XXXX so I inquired to the phone number listed XXXX I talk to a XXXX XXXX and his email address is XXXX XXXX XXXXXXXXXXXX. He said he has just started working there and said the tvs come from California. I asked him to send me an invoice and price on priority shipping. From this email he sent me an invoice and requested I send him my credit card info.So I sent him my credit card information couple of days later I asked for the tracking number after a bunch of the run around no tracking number was sent and communication stopped. I have copies of the conversation that was via text and the invoice for the tv. Please this is a fraudulent transaction. I did n't receive any merchandise. Figuring this is an open a closed case with my credit card company. I explained to my credit card company the fraud they told me it was a dispute matter and said they would reverse the charges. Atfer doing a dispute with the credit card I pretty much got the run around with the dispute process. On the invoice it says 14 day money back guarantee. which the credit card company refused to look at it. as of right now citi closed the dispute. Talking with citi they informed me this is a taxi company. not the company on the invoice.
I have a first mortgage and HELOC with Suntrust Bank. I am refinancing the first with XXXX XXXX and Suntrust seems unwilling to send me a copy of my HELOC note. I suspect they are trying to sabotage the refinance with XXXX XXXX. The HELOC account number is # XXXX. Suntrust seems to have outsourced the entire back office operation to XXXX. I have exchanged 7 emails with them. They refuse to send me a copy of my HELOC note.
" " '' I have disputed this Bankruptcy chapter XXXX-discharged XXXX for months.XXXX and XXXX have Deleted them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
In XXXX of 2018 I XXXX XXXX XXXX and had to cancel an XXXX. Their policy is to refund your money. XXXX never refunded my money. I called Barclay Bank and disputed the amount. After they investigated they denied my dispute. XXXX finally admitted they owed me the money and tried to credit it to the account. Barclay will not close the dispute which in turn XXXX can't credit me the money. This situation has been ongoing for 5 months. It is unreal!