WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, I tried to change my auto payment for the balance of my chase card to a specific payment amount. 

I thought the auto payment would not be completed that month with my one time payment information submitted. 

Both payments went through and I suffered a number of overdraft fees as a result. 

I think chase should make fact that the auto pay feature does not turn off when you make a one time payment more clear on their website, as this turned out a very expensive piece of information for me.
XXXX has been non-compliant with removing the unverified account NATIONAL CREDIT SYSTEMS INC Opened Date XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that NATIONAL CREDIT SYSTEMS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Returned my vehicle once I was laid off from my job, was not past due ... .but they immediately filed for a judgement on my credit.
On XX/XX/XXXX, a man named XXXX XXXX from this company ( offices of XXXX ) called a family member and told them all the information about this issue. The family memeber called me and relayed all the information and I called him back. He was extreanly rude and belittling. He told me I would be arrested in the morning. He told me I would never amount to anything or have anything of my own because of my credit score and proceeded to laugh. He made me cry with his belittling. He should not have told anybody any information and it is illegal that he did. I wish for something to be done.
Hello, I hope someone can help me with this problem. I have a mortgage with Ocwen. They took over the loan from GMAC several years ago. I 've lived in my house for 34 years and never had problems. 

XX/XX/XXXX, I was in financial trouble. In XXXX, I made a payment I thought was for XXXX, It turns out it was applied to XXXX, so In XXXX I was actually three months past due ( Including XXXX XXXX ). XX/XX/XXXX, I sent a payment for three months. 

It was rejected after 10 days and sent back. I called Ocwen. They told me about the XXXX payment ( my fault ) and said counting XXXX ( which was now past due ) I owed them {$2200.00} as opposed to the {$1700.00} I had sent. That day I sent them an electronic check from my bank for {$2200.00}. 

After 10 days the check was rejected and returned. I called them, they said I now owe for XXXX ( was not past due ) and it 's {$2900.00}. I sent another check from my bank that day for {$2900.00}. They held the check for 10 days and rejected it for being {$40.00} short. It was now past due and a late fee had been added. 

I sent an e-mail to Ocwen trying to resolve this situation. On XXXX XXXX I received a detailed accounting for what amount they wanted me to pay to reinstate my mortage and avoid default, which included my XXXX payment. The next morning, I sent to them by certified mail the exact amount the requested and a copy of the letter they issued to me. ( {$3300.00} ). 

Today, after 15 more days, that check was returned as insufficient. For three months, I have tried to pay, in good faith, every amount they requested. Their call-center is of no help and I expected this to be resolved when I immediately sent the amount stated in their letter of XXXX XXXX XXXX. 

What do I do? Please help. 

If they move forward with foreclosure, will I get some sort of hearing where I can explain my case to a Judge? 

Thank You, XXXX XXXX.
XXXX XXXX, XXXX is trying to garnish my check for {$550.00} plus other fees which will bring the total to {$740.00}. I am not responsible for this account because my identity was stolen. This account has been closed for years. I have communicated this with XXXX XXXX, XXXX and XXXX XXXX XXXX on numerous occasions. I work hard, and do not want my credit file negatively affected by this.
I applied for a SECURED credit card with Citi bank. Upon receiving the card I activated it. I tried to add the card to my XXXX and I was told I needed to verify my account. I called in to verify and since my phone number did n't match my account, they said they could do nothing for me. I called several different representatives to finally get the option to fax in my personal information ( id, social security card, and proof of address. ) I did so. I called to check on the status of my account and they said my paper work was not accepted. I sent in everything they asked, why was it denied? I came to the conclusion I wanted to cancel the card. They will not allow me to do so. I 've had the account since XXXX XXXX, I 've called OVER 40 TIMES. I have yet to have my issue resolved and they still have my {$200.00} deposit and will not let me close my account. I even went into my local Citi branch to verify but, they told me I could not do that there. Please help me, I just want to close my account so I can build my credit elsewhere.
They are not able to validate debt Collection Accounts :  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX .
I have paid this debt in full as of XXXX XXXXXX/XX/2015 to XXXX. The unpaid collection continues to be reported by Patient Account Services. I requested a verification of the debt and received a response dated XXXX XXXX XX/XX/2015 stating the current balance on this account is still {$1000.00}.
We refinanced our home, signing the Closing Documents on or before XXXX XXXX, XXXX. The loan was funded on or about XXXX XXXX, XXXX. The old loan did n't pay off on or about XXXX XXXX. We had n't paid our XXXX XXXX payment so it was reported delinquent. We have recently been notified another payment was reported as delinquent in XXXX XXXX.
I purchased a ticket on XXXX XXXX using Reward Points from my Visa Signature card, issued by XXXX   XXXX  / Bank of American. My travel was interrupted by Hurricane Irma and the final leg of the flight, from XXXX to XXXX, was cancelled. Four of the people I was traveling with request refunds through the credit card with which they had bought their tickets and received a credit on their card within a week. I was told by the travel department of Bank of American ( Signature Rewards ) that since I had used points, rather than paying cash, I would have to contact XXXX directly and have them refund the money to Bank of America, who would then credit me with the appropriate number of points as a refund. I agreed and contacted XXXX. On XX/XX/XXXX. XXXX processed my refund to Bank of America for {$72.00}. ( I have an email to that effect from XXXX. ) Since Bank of America had told me to re-contact them when the refund had been sent, I did so on XX/XX/XXXX. The representative said that she was inputting the necessary information to have my account credited. I waited two weeks, beyond the time the represented said would be necessary, and checked my account. Nothing had been credited. I called XXXX XXXX XXXX Travel again today and was kept on hold for over 30 minutes in an attempt to speak with a supervisor. The rep I was in contract with could do nothing to help me, By the way, here is information from the Travel Center regarding my ticket : Travel Center booking number : XXXX At this point, it seems like even though this is a small amount -- I really do n't know how many points should be credited -- I would like to see a better response from the travel department / rewards program. I suspect the response would be just as bad if a larger amount were involved, and, as a consumer, I really do n't know how to continue to address the issue, short of this type of complaint. My name is XXXX XXXX XXXX and my home phone number is XXXX. Please contact me if you need more information. Thanks you.
On XX/XX/2013 I suffered a XXXX from a XXXX injury I recieved while at work. For the first few months I was able to make my house payment until XXXX XXXX stop ( was at that time fighting them XXXX and waiting for Social Security XXXX to start and fell behind XXXX XXXX months. I was excepted to the XXXX Our Home XXXX Program through the State of XXXX Department XXXX XXXX and a deal was make with US Bank Mortgage. The deal was that during the program all payment would be made and the XXXX XXXX months due would be brought current at the end of the program. Long story short, I made all my payment on time as instructed through the program and graduated at which time everthing was brought current. Durring the time in the program, US Bank Mortgage reported all payments as late pays on all of my credit Bureaus.I have asked them to reverse this due to the fact that was in the program and made all my payments on time as agreed to with the deal that they have made with the XXXX XXXX XXXX XXXX XXXX and they refuse to do so. Please help me in this matter.
I have made a complaint agains PMAB LLC with the credit bureaus as well as the CFPB about a debt that is not mine. The first complaint they said they sent something in the mail to me i have not received. Second i sent in a validation request on the account. I mentioned to them that if it is being reported to the credit bureaus before i validate it i would file a complaint. Well here goes that complaint. They removed it from my credit reports and then not to long after they told CFPB they sent me something and CFPB closed the account they re-inserted it back on to my credit report. I did not have a chance to validate as i don't have what they claim they sent me.
Paypal received a buyer complaint stating : XXXX/XXXX/XXXX XXXX PDT - Buyer : I WAS MADE AWARE THAT I WILL GET TICKETS AT THE VENUE WHICH WAS ON XX/XX/XXXX. I WENT TO THE VENUE BUT WAS N'T ALLOWED IN AS I DID N'T GET THE TICKETS AND SELLER IS NOT RESPONDING EITHER. I WOULD LIKE FULL REFUND I responded to this dispute with evidence and the case was decided in my favor on XXXX XXXX. I have indisputable evidence that the tickets were delivered to the buyer and that they did attend the event. I am attaching the email sent to the buyer with their electronic tickets for the event. 

On XXXX XXXX, I received the following correspondence from Paypal : We received a complaint from your buyer telling us the merchandise was not received Here are the details of this transaction : Transaction Date : XXXX XXXX XXXX Transaction Amount : {$1400.00} USD Transaction Number : XXXX Total Refund Amount : {$1400.00} XXXX Refund Amount Remaining : {$0.00} USD Invoice Number : Buyer 's Email : XXXXXXXXXXXX XXXX 's Name : XXXX XXXX After reviewing the issue carefully, we 've reversed the payment in accordance with our User Agreement and Seller Protection Policy. To make sure you had the money in your PayPal account to cover the reversal, your pending electronic or check withdrawals may have been cancelled. 

The buyer is lying. I provided proof to Paypal that the tickets were picked up and used for the event. Paypal has chosen to ignore said evidence. 

Paypal recently lost a class action lawsuit and had to pay a fine based on your efforts yet their business practices have not changed. 

Paypal attempted no further contact with me in regards to this decision. Paypal made no effort to check the validity of the claims raised by the buyer. Paypal is irresponsible in their handling of this. Paypal has a responsibility to properly investigate claims and review evidence submitted by both parties. 

This complaint is also being submitted to other governing authorities and I will be seeking arbitration at Paypals cost if they choose again not to resolve this case.
My mortgage was transferred to Mr cooper mortgage company on XX/XX/2018. To this day I am still unable to setup an online account and make a payment or set up auto pay. I have contacted the company at least five times by phone and social media. The first time I contacted them was late XXXX. Mr cooper has done nothing to make this right.
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/ XX/XX/XXXX.
On XXXX/XXXX/XXXX, I requested a free quote from Rise for a personal loan. I provided my information. I was notified by XXXX that Rise had requested my credit report without my knowledge. I called into Rise Customer Service and informed them to disregard my pending application and to remove the inquiry on my credit report since I did not approve this request. I was informed a soft check would be done before I accepted any offer, then a hard check would be done. I received a letter from Rise calling me XXXX XXXX and that I accepted a hard check and submitted an application. I am not XXXX XXXX. Rise has incorrectly pulled my credit file with another name from the information they received. Remove this inquiry from my credit report since I did not authorize this hard check. Rise has failed to correct this error. This is a violation under the Fair Credit Reporting Act.
I have owned my home for 12 years and am facing a sale date on   XX/XX/XXXX   because my mortgage lender  Wells Fargo  refuses to open a review of my current financial situation. They claim that since they worked with me in  XX/XX/XXXX  and offered a loan modification that I am never allowed to have any type of assistance again. I do not believe that this is how the system works and feel that they are blocking access to programs that could help me save my home. I have been working full time as a   XXXX   XXXX   XXXX   for the last 5 years, and have taken on a second part time job at a   XXXX   XXXX   in order to help make ends meet and have the ability to afford a fair mortgage payment. My issue, and the reason for my complaint, is t hat Wells Fargo will not even give me a chance or  come to the table.   This is very frustrating, especially when I KNOW that I am in a position to fix this problem  if Wells Fargo  would give me the chance.  <P/> In  XX/XX/XXXX , during the recession I was laid off after 18 years. I applied for, and was eventually granted a loan modification. I continued to struggle as I was sporadically employed or underemployed during that time. I was able to get help from my father as well as collect unemployment and somehow managed to hold it together. However, the payment was still too high relative to my income and I tried to let the agents at  Wells Fargo know th is back in  XX/XX/XXXX . I tried repeatedly to engage with them as I ended up falling behind on the loan and get a new review opened but was told that since I had received help back in  XX/XX/XXXX  that I was never eligible for help again. I am not sure that is how the program works -- as I understand i t Wells Fargo r eceived ove r 30 billion d ollars in bailout funds from the government that was funded by taxpayers. I believe that there are multiple government as well as internal programs that are supposed to be made available to help struggling homeowners, and all I am asking for is a chance to be considered. This loan was an adjustable subprime loan with a starting interest rate of 8.09 % that could adjust as high as 15 %.  Wells Fargo ( and the companies that owned the loan before you ) collected a large  amount of interest on this loan before the modification in   XX/XX/XXXX   and I am just asking for some consideration and asking that they follow the established federal guidelines and the rules of the state of North Carolina.  <P/> I am working as a   XXXX   XXXX   XXXX   and have been steadily employed for the last 5 years. In order to help make ends meet I have been working part time at   a   XXXX   XXXX   as well. I CAN afford a fair and reasonable payment and I want the chance to fix this problem. I have owned my home for 12 years and if they were to conduct a review and restructure or modify my loan to address the late payments and current rate and payment to something that is affordable based on my income every side would come out a winner. I feel that I am running into a brick wall and could use some assistance in this matter
Currently being reported on my Experian credit report is a trade-line named ( XXXX XXXX XXXX XXXX ). This trade-line is an auto finance loan that was opened in XX/XX/XXXX and was subsequently repossessed in XX/XX/XXXX. The loan was originally underwritten by XXXX XXXX but was bought in XX/XX/XXXX by XXXX XXXX XXXX XXXX. The loan first became delinquent in XX/XX/XXXX.

Currently, the loan is being reported incorrectly. According to the FCRA, the trade-line can remain on your report 7.5 years from the first incident of delinquency regardless of debt owner or sale. The loan became first delinquent in XX/XX/XXXX however the trade-line is still being reported to this day ; almost 4 years past the time when it should have been removed.

Experian has been provided full documentation supporting the above information ( 6 ) six times now, however the record has not been updated or deleted. Furthermore, XXXX  has agreed to remove the trade-line and provided documentation, however Experian still has not removed the trade-line. This same information was provided to the other ( 2 ) two credit bureaus ( XXXX and XXXX  ), who have both promptly removed the trade-line.
Just recently i received an alert that a collection was placed on all XXXX of my credit reports, the collector showed as Midwest Recovery Systems with listing of an orginal creditor of XXXX XXXX i have never done business or had an acct with this company i was somewhat surprised.As far as the collector Midwest Recovery Systems i had dealt with this company once before, where they fraudulently posted another collection to my credit report and later after filing a complaint they removed the fraudulent collection.To me apears this company does this fraudulent activity on a regular basis to many consumers time and time again. Today they commited to serious violations.Violation # XXXX they send no letter/bill or any correspondance before putting a collection on the consumers credit report, not allowing consumer the opportunity to ask that debt be validated. Violation # XXXX The state of NC requires any collector trying to collect a debt from consumers living in the state to be licensed in the state, Midwest Recovery Systems is not licensed to do business in the state of XXXX.That could be another reason they dont send consumers documentation/letter or bill for these fraudulent debts, since that would provide a paper trail for the consumer to provide proof of their violation to the north carolina attorney general as proof aof an unlicensed debt collector who is in voilation of the statue which carries a considerable fine.But i will still contact the North Carolina Attorney General and as what documentation they need to prove that Midwest Recovery Systems had indeed contact me about a debt and is doing business in the state.So XXXX the violated the F.C.R.A and XXXX Violated XXXX law.So i expect this ftaudulent collections be removed from my credit reports within the next XXXX days, if not i will discuss this locally on my options to pursue this via the legal system and report to the state agencies.
My current credit card balance as of XXXX19 according to the website is {$1200.00}. No matter how I add up the transactions, it never equals the outstanding amount. I have spoken with a CSR and a " supervisor '' ( XXXX in XXXX Florida ). They were not able to get to that total either. It is totally UNACCEPTABLE that Chase is not able to account to the very cent the charges they are attempting to bill for. I was also transferred to XXXX the floor manager. She would only say that she works in Florida. I feel that I am being over charged. The bill needs to include a running balance to ensure that customers are not being defrauded out of funds.
TDBank upgraded their entire banking system over the weekend of XX/XX/XXXX-XX/XX/XXXX, with a promise of access to my account on Monday, XX/XX/XXXX. 
I have not been able to access my checking account since last Friday XX/XX/XXXX. System was  telling me that my username or password was not correct. It was correct. Having Been using it for many years now. 
Earlier this week I tried to contact customer service. Was told that the wait time was 20 minutes. After 1 1/2 hours on hold I hung up. 
On Monday, XX/XX/XXXX, Called my local branch in XXXX, NJ. They told me they were having major problems. Inferred instead that my brouser may be out of date. I told her that I was using an XXXX that was completely up to date. Also that I could not also connect via a Laptop computer. She told me to give it one more day. 
I have tried every day to get access to my account with no success. 
Called support today, XX/XX/XXXX. Recorded message told me that they are still trying to fix their problems following the UPGRADE. Refused even to allow me to connect with customer service. 
Please contact them and push to get them moving to fix their problem. 
What are the rules on not allowing customers to access their bank account? 
Call their customer service XXXX. See what they tell you.
My sons attend college in another city and their mother and I pay their rent by making deposits into their checking account, which they then use to pay their rent. Their bank is Wells Fargo, and the last time I went to deposit a personal check into their account the Teller informed me that I needed to have my son endorse the back of the check. It 's only been one Wells Fargo location that has this endorsement requirement. Through persistence, the Teller agreed to deposit my personal check into my son 's checking account. I called that location to validate and clarify for future reference and they informed me that Wells Fargo is now requiring the back of the check be endorsed by my son. The amount of the check is {$700.00} and is drawn on a local bank. This method has worked well for the past 2 1/2 years. I can search for alternate means of depositing money into their account, but my depositing a personal check into their account has many advantages for me. My questions are what prompted this change or tightening of endorsement requirements and does this violate any banking regulations?