WillisBack/dataset-financial-user-claim huggingface dataset:
Within the last year I have fell behind on my mortgage with US Bank. The reason being is because the insurance rate went up and my mortgage went up over XXXX per month. US Bank told me I could apply for a loss mitigation program which I did. All the payments were made through the trial period and once complete I was denied because they said they never received the forms. I mailed them directly from the XXXX XXXX XXXX. I am being told I owe more then they are able to calculate with late fees and delinquencies.
On XXXX XXXX, 2016, I contacted a company by the name of XXXX on XXXX. This was an emergency clean up, for a couple who 's elderly parent was coming from XXXX. This was a Thursday, and I needed the service for the next day, Friday, XXXX XXXX, 2016 by XXXX. There was only a booking page and I booked the service. When I received the confirmation, it was scheduled for the next Friday, XXXX XXXX, 2016. I immediately emailed the company and told them this needed to be cancelled because I needed the service the next day. I have all of the emails. When they finally contacted me, the Customer Support, via email, said they would contact the XXXX company to try to accomodate the request. After going back and forth, they could not clean the home on the day needed. Not at one time during the emails with customer support did they tell me, in any way, that I could not get a refund. While waiting, I decided to chat with their on-line chat specialist. She is the one that said I could not get a refund, just a credit. At this time, I contacted my credit card company, Capital One ( XXXX ) .They issued the {$90.00} credit to my account while they contacted the merchant. A few weeks later, the merchant sent them some information, and they re-charged my account the {$90.00}. I was then told to send them all the info. I had ( which were emails ), there was never a receipt or terms and conditions, just an email confirmation. I sent these items on XXXX XXXX, 2016. The next day, the Capital One representatives told me that the merchant sent them terms and conditions and that the charge is non-refundable. This is not right. They never provided me with these terms and conditions and I have never used their service and definitely, I will never use their service. They are forcing me to pay for a service I never used and do n't want with vague, policies that they do not disclose upfront. Obviously, Capital One can not handle the situation. However, this XXXX company has n't provided any service and I am not paying for a service. I have paid all of my capital one balance except {$90.00} so that when this is resolved I can close this card. Customers should not be treated this way with a company trying to force someone to use their service.
In XX/XX/XXXX my mother ( age XXXX ) was temporarily in a XXXX XXXX due to a XXXX XXXX XXXX. At that time, my mother asked me to have a POA made for her so I can help with her medical decisions and to make a changes on her bank savings account.
She had been estranged from my sister ( her only other child ) for 3 years and decided to take my sister 's name off of her savings account at Wells Fargo. My sister had been receiving money from my mother through the years and she felt that this is what she wanted to do for me.
I was concerned about this change and decided to bring several people to her room to witness her verbalizing these wishes.
I went to the bank and made the change as the legal POA. I explained to the clerk that my mother and I were the only people to be on that savings account and told him that our names ( my mother & I ) were currently on a checking account at Wells Fargo and that the savings account should be the same.
After my mother returned home, she went to the bank and in the bank every weekend with my niece to do her banking until her death onXX/XX/XXXX In XX/XX/XXXX, I made a transfer into the savings account for {$25000.00} to consolidate some of my funds. This deposit brought the account up to {$130000.00}.
A month later, I went back to the bank to withdraw the money to transfer it to another investment.
I was told, I could not withdraw the funds because the clerk that help me the prior year and a half had made a mistake! He not only took my sister 's name off the account, he took my name off the account too, and left me on as a POA. As a POA my name died with my mother!
I must reiterate, at the time of the change, my mother was XXXX years old. Why would I take my name off as a POD to replace it with a POA?
Because my sister found out about the money, I have been in and out of court. The court said, because my mother did not have a Will, my sister was entitled to 1/2 of the original {$100000.00} less the funeral & other expenses I paid for. She was entitled to {$43000.00}.
My mother did NOT need a Will. The only money she had was at Wells Fargo and they made an HORRIBLE error on her account. The entire account was left to me, alone.
Now it 's 3 years later. I was made executor of the account.
I went back to the bank, with the court papers that clearly mapped out the division of the money ( {$43000.00} to my sister and {$87000.00} for me ) and I was met with another surprise. Wells Fargo said that because I was really not allowed to make the change I did inXX/XX/XXXXas a POA, and they never informed my mother in the following year she frequented the bank, they took it upon themselves to reverse their error ( 2 years after the fact ) and put the account back to having the 2 PODs ( my sister and I ). NOW, they can only give me a check for 1/2 {$65000.00} and the remainder goes to the other beneficiary! Instead of {$43000.00}, she would receive {$65000.00}. Remember {$25000.00} was MY MONEY!!!!
This is bank error ( s ) have cost me attorney fees, time, interest and has caused irreparable damage.
XXXX Medical bill that probably has over 10 years for the amount of {$190.00} Something that was already debate. XXXX keep posting this in my record having my credit score between XXXX to XXXX point lees that the other credit company. XXXX may be want to make money having me contact them an pay for services. I really appreciate your help on this matter.
I have asked the creditor/collection agency for a itemized statement as they were stating I owe {$500.00} and the owner of the loan is stating {$1500.00}. That is a huge difference. I still have not received the itemized statement for my payments that I have made.
In XXXX, I closed and cancelled an account with US Bank. The balance was paid in full ( see XXXX balance ) About 6 months later in XXXX, I get a call from their collections stating that I owed a balance. It turns out that what I thought to be closed credit card had been used for a fraudulent charge in XXXX. 
I spent hour straightening it out with them, and they said that the account was closed ( See XXXX fee reversals balance ). 
This morning I get another call from their collections - they had continued to accrue fees on the card for non-payment. They insist that the only way for me to " close '' the account again is to pay the balance in full. 
My credit score has dropped because this *closed* account is so past due. I do n't know what kind of business they are running and why they refuse to close it.
Wells Fargo reported a late status on my account on an account that is already paid in full and has no balance
Capital One has not refunded my security deposit. I closed my account in good standing and with a XXXX balance weeks ago. Capital one is dragging their feet, basically holding my security deposit hostage for absolutely XXXX reason. I have XXXX dollars that they took out of my account in a matter of hours, but when it comes time to return the money ... ..they take weeks. Absolutely unacceptable. I feel capital one is attempting to punish me for closing my account and taking my business elsewhere. This is a violation of my rights as a consumer and also illegal. Please refund my deposit immediately.
chase card was investigating my information. I did not give chase card permission to investigate my name. I did not request a credit card.
I made a purchased using my rushcard debit card on XXXX yesterday XX/XX/2016 for the amount of {$500.00} which was canceled the same day. XXXX assured me and also provided proof that my transaction was canceled and I was not charged. I received a txt alert from Rush card that the amount has been withdrawn. When I called Rushcard customer service & also spoke to a supervisor they have my $ on hold and waiting on authorization from the bank. I have been given the run around and each agent says a different story. I have provided Rushcard with the email that was sent to me by XXXX stating that the charged was cancelled. Rushcard is hold my money for up to 10 days even though they have proof.
I review the Complaint. XXXX. I apologize that the Last for digit of s.s. is XXXX not XXXX, or XXXX. Please corrected. Thank you
Navient would not let me defer my student loan and put me in default and I am on XXXX.
My loans were taken out to attend XXXX XXXX XXXX XXXX from XXXX. I believe the school acted unethically in disbursing my loan by forcing me to ask permission to receive my funds which were designated to be used for my education and living expenses. I also believe that the school did not provide credit counseling to me in an ethical or timely manner. Furthermore, I believe my first loan servicer did not assist me in ensuring that my debt would n't triple. What began as approximately {$26000.00} in loans has surmounted to over {$70000.00}. The balance is augmented drastically due to high interest, collection fees, and bank fees. I would like an investigation into the matter, so that I am able to see an end to the debt. At the rate I am paying now, I will be unable to ever repay the debt in full before my death.
PLEASE EXCUSE THE CAPS MY VISION IS POOR. BETWEEN THE MONTHE OF XX/XX/XXXX-XX/XX/XXXX. I RECIEVED A FORM FROM THE IRS STATION THAT I HAD TO FILE A CANCELLATION OF DEBT WITH THE CREDITOR. THE FORM WAS FILED, A XXXX FORM, BY XXXX XXXX FOR ME. WHEN THE EXAMINER COMPLETED THE FORM, THE CREDITOR OWED ME XXXX OUT OF THE REMAINING BALANCE. A CHECK OF XXXX WAS SENT TO ME FROM THE IRS, 6 TO 8 WEEKS AFTER THE FILING OF THE XXXX. THE AMOUNT CANCELLED WAS THE AMOUNT THAT IS SHOWN ON MY CREDIT REPORT. I FILED A DISPUTE WITH XXXX, AND INSTEAD OF THE PROBLEM BEING CORRECTED, ANOTHER BALANCE WAS ADDED AND MY SCORE WENT DOWN. FORM THE SAME CREDITOR!. SO NOW I THINK I AM EXPERIENCEING SOME SORT OF FRAUD, OR AN ATTEMPT TO DEFRAUD ME ON MY REPORT, BY ADDING ANOTHE BALANCE AND DROPPING MY SCORE DOWN. THE CREDITOR SHOULD HAVE PROVIDED THE INFO ON THE CANCELLATION OF DEBT SINCE THE DECISION WAS MADE BY THEM. I DID NOT RECIEVE AN EXPLANATION I JUST DID WHAT THE IRS SAID DO.
On XX/XX/XXXX, we attempted to pay for airport parking my card with a {$12000.00} limit was declined. Upon contacting the creditor ( XXXX XXXX ), I was informed that TransUnion sent a letter to them stating I was overextended. I was never informed of any action like this. Now, upon contacting TransUnion, they disavow any knowledge of ever having done this and that all they do is monitor credit. Why would the creditor tell me TransUnion sent them this letter? The creditor told me my credit limit was decreased from {$12000.00} to {$2500.00} leaving {$11.00} in available credit. Additionally, I received a letter from XXXX XXXX XXXX stating the same thing. XXXX XXXX XXXX closed my account without cause. I have never been late or ever done anything wrong to anyone involved in this complaint. The only equitable solution for me would be to reinstate these cards. I am getting notifications like this daily now.
I received a copy of my credit report and saw XXXX XXXX reporting an account with a XXXX balances. I was upset because I actually paid the provider 's office directly and it never should have gone to collections. There was confusion with my insurance company and once I was made aware that there was a portion I was responsible for I paid it right away.
I have disputed negative accounts on my credit report more than XXXX time. Equifax has sent me investigation results with contradicting results. Some reports have accounts that are not on previous reports but dated earlier than some accounts.
My student loan was previously with  XXXX   XXXX  which recently got acquired by  Navient. When my loan got transferred to Navient , they changed the repayment terms of my loan without my consent or knowledge. At  XXXX , I was on a graduated payment plan paying $  XXXX . Navient changed this to an interest-only payment plan with a monthly payment of only {$160.00}. When I called to explain the problem,  Navient  claimed there was nothing they could do because they re-payment plan was based on information they received from  XXXX . However, when I called  XXXX , I told them the problem and they said it was not correct. I got a letter from  XXXX  with the correct re-payment terms and sent it via pdf ( through access to my account on their website ). I am still waiting for Navient to do the right thing. I am certain that I am not the only one who has suffered from Navient 's attempts to change the repayment terms to their benefit after they acquired  XXXX .
From XXXX to XXXX my loan amounts have grown exponentially through fraudulent practices with Navient. I was encouraged to defer my loans and was given mis-leading information on my repayment plan. In addition, I was charged exhorbitant interest fees and late payment fees due to the the processing of my loan consolidation applications and repayment applications. A loan origination amount that was estimated at $ XXXX is currently estimated at $ XXXX. Navient 's accumulated interest surpasses the original loan amount by $ XXXX. This is highway robbery and I am struggling to pay this loan back. 

I need my account investigated for fraudulent business practices
I have Problems with the manager of the Branch of XXXX New Jersey of Bank of America, where they sold me two machines for my new business for one price and one small monthly fee and they started charging me fees and prices which I do not agreed I complaint because a guy named XXXX XXXX the one who provides Merchant 's services for BoA offer me loans all together with the husband of XXXX XXXX who is the one in charged of the XXXX branch, but they told me I have to keep it secret from the bank, the deal was for the merchant services i will pay XXXX dlls for two machines and a monthly payment for their services of XXXX so far They have charged me over XXXX dlls for this services and they also offer me an extra machine that i never get. i refused the loans from this guy XXXX XXXX and the husband of XXXX XXXX. and then I moved to XXXX XXXX XXXX. I tried to report this events to the manager of BoA in XXXX XXXX XXXX and XXXX his name is XXXX XXXX but he is XXXX and told me cut your XXXX little XXXX in XXXX and made me go back and forth for almost one month and a half XXXX   promise me he will help me with this fraudulent charges and told me he will investigaste all this people. What happened next they have cause me a lot of loss to my 2 business and personal accounts because they arbitrary cancel my 2 business accounts and personal account and they told me it was a business decision and they never investigate this people who have called me XXXX, even tough I am a XXXX guy I do not deserve this by anyone. I want my 3 accounts open back to normal and all of their fraudulent fees back and apologize from XXXX XXXX and XXXX and their bosses whom I spoke with them over the phone and they lie to me and laugh at me.
I fulfilled my one year membership requirement at XXXX XXXX XXXX XXXX in XXXX, IL in XXXX, 2016. The next month, my credit card on file expired so they were not able to continue billing me. I was contacted by the spa and returned their call to let them know I wanted to freeze my account as my husband had been out of work on medical leave since the beginning of XXXX. I continued to get a few phone calls and statements mailed every few days indicating I needed to contact them to pay what was owed. I again contacted them and told them I wanted to freeze my account. They demanded I pay 2 months they said was owed by that time. I refused, stating I had already fulfilled my obligation and had requested the freeze ; at this time, I told the person on the phone ( XXXX, I believe was her name ) that I just wanted to cancel my membership. I was told again there was a balance due but I again refuted the validity of the supposed balance as I had done everything required to settle the situation. I continued to receive statements every few days from the spa, and I ignored them as my husband needed my attention. In XXXX, I received the first collection letter from Transworld Systems , Inc indicating the " debt '' had been placed with them for collection. I responded in 8 days, indicating the debt was not owed by me, and it was not valid. I received a XXXX collection notice today, and am filing a complaint. The communication received today also indicated the balance had increased from the initial amount of {$170.00} to today where it is {$230.00}. 

I indicated in my first letter that I would file a complaint if they continued to contact me and demand payment of the invalid debt, so that is what I am doing.
I sent a dispute/goodwill adjustment letter about my 90 day late payments from my student loans due to not understanding my loans coming out of deferment and my fiance becoming XXXX. My loans show up as 4 separate loans and it didn't make sense to consolidate. So I now have four 90 day late payments on my report which brought my credit score down over 200pts. I have since found a career in the XXXX  field that I originally borrowed the student loans for and with the birth of my XXXX XXXX ... I am now trying to get approved for a morgage. I wrote a letter explaining my hardships with a copy of my daughter 's birth certificate, asking for my 90 day late payments to be removed. I offered to set up automatic payments. I would be happy if they merely just removed ONE of the late payments from my 4 loans. Student loans have made it impossible to secure a future for myself and family. When I called to check the status, I was advised it was denied because the information is accurate. I want my children to grow up and go to college and establish careers without the worry of an honest mistake ruining any chance they have of the All American Dream of home ownership and security. I am not asking to have my late payments to be completely wiped away ... but some sort of compassion now that I am out of school ... advancing in my career and embracing fatherhood!
I received a letter from the law firm XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX stating my account from Capital One had been referred to the law firm for {$1200.00}. I mailed a written request for validation of this debt on XX/XX/XXXX. I received a letter from them on XX/XX/XXXX stating that my account was originally opened on XX/XX/XXXX and that their client has verified that the balance is correct and copies of billing statements from XX/XX/XXXX through XX/XX/XXXX. The problem is that I had two accounts with Capital One. One opened on XX/XX/XXXX and one opened on XX/XX/XXXX. These accounts had two different account numbers and two different amounts charged on them. The one that the law firm stated in their verification that was opened on XX/XX/XXXX is not the account number listed in any correspondence from them. The law firm filed suit against me on XX/XX/XXXX concerning this amount owed except I don't know which account it is since the date opened and account number do not match.
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
We have been on an adjusted rate mortgage now at 6.5 %. My husband became XXXX and is on SSI at 1/2 his salary when he was employed. We fell behind and attempted to have Rushmore provide a loan modification. They first offered a 6 % interest. We still did n't see how we could meet that mortgage. Hired an attorney. Then the attorney insisted they re-review our numbers. Eventually Rushmore again stated that they would not even review us for a modification. This is the second time they have tried to take our home from us. The first time, because of a settlement, we were able to catch up but we do n't have that luxury anymore. Now we have just filed for Chapter XXXX bankruptcy to try and protect our home and see if we can finally get a real modification through bankruptcy court. Since we fell behind originally by 2-3 payments, every month we have tried to send in our monthly payment but Rushmore has refused acceptance of every payment we have tried to send in since XX/XX/XXXX. Because of their refusal to accept payments, we are falling ever more behind every single month and adding more to an impossible situation. Now we have severed ties with that attorney and after losing money with them we have had to pay someone else to file the bankruptcy. If our situation does not warrant consideration for a modification I do n't know what does. We just want the chance to have our loan modified to at least current interest rates and do n't think that 's unreasonable.