WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2016 I made a deposit of {$900.00} via ATM. My account was overdrawn for the first time. I have deposited many checks from the same issuer in the past and have never had a hold placed on one until now. I called Wells Fargo and they advised me they could not remove the hold because the funds were not verifiable. I explained to them I have deposited many of these checks in the past and this is the first time they have placed a hold on one. They told me to call the issuer and verify funds are there. I did just that. I called XXXX and sent email ( see attached ) and funds are present to cash the check. I called Wells Fargo back and they said they still ca n't remove the hold from the account. I told them I felt as if they are doing this now because I have a negative balance and they just want to collect more fees from me. I have been with Wells for 20 years and have never had this issue. I sent email to XXXX and advised them the bank was saying the funds are still not verifiable. I then went into a branch office. The supervisor there told me she called XXXX and they banker would not verify funds available. She told me she would waive XXXX in fees. I then asked why they are placing a hold of nine days or more on this one check. She repeated that they could not verifiy funds. I advised the accounting folks at XXXX and again they are advising me the check shows as cashed on their end and cleared the account. Whom am I to believe at this point? The company who stands to gain from my misfortune in overdraft fees or the company who issued the check? I am still getting fees from Wells Fargo and plan to close all six accounts with them. I need to know why they can hold my money after the issuer confirms it has cleared their account? They are only doing this as policy to collect additional charges. A customer service specialist I spoke to stopped just short of agreeing they are doing this to just collect more in fees. See emails and copy of check attached.
Slovin and associates XXXX based in Ohio is a debt collector that garnished my wages on XX/XX/XXXX from my employer. I contacted them and they informed me they had a judgement from XX/XX/XXXX. I told them I was not aware of any court dates and have never signed for any certified letters from them. They said they were collecting for XXXX XXXX from a account I had back in XX/XX/XXXX that was closed XX/XX/XXXX. The account was closed due to XXXX   overcharging customers for overdrafts and there was a class action settlement in XX/XX/XXXX that I was part of regarding XXXX  unlawful banking frivolous overcharges. I submitted the correct paperwork to be in the lawsuit that was finalized in XX/XX/XXXX. I called XXXX on XX/XX/XXXX and told them about the debt collection agency putting a wage garnishment on my check and they said they never sold the debt to Slovin and associates they said XXXX XXXX XXXX bought the debt and XXXX XXXX went out of business and slovin and associates probably bought it from them. Slovin and associates said they don't buy debt and they are collecting for XXXX. XXXX said my checking account was part of the settlement and slovin and associates should not be collecting for XXXX  since it was paid out in the settlement the balance should be XXXX for overdraft charges. I was part of the XXXX XXXX  dollar lawsuit in XX/XX/XXXX. I submitted my info to the XXXX web site inXX/XX/XXXX.
I have requested for  XXXX  and  XXXX  to remove an account on my credit report that is inaccurate. I have stated that I do not owe Hunterwarfield {$1700.00} this company is committing false information on my credit report. Both   XXXX   and  XXXX  have removed Hunterwarfield on my credit report in estimated time  XXXX  of  XXXX . Now they have put this back on my credit report  XXXX   XXXX ,  XXXX  which this is damaging my credit report and NO ONE will rent to me even with a dispute on my credit report. I do not have any documents to back this information simply because I do not owe  Hunterwarfield  any kind of currency. I have sent both   XXXX   and  XXXX  a letter to remove this off my credit report  XXXX   XXXX ,  XXXX .
I received an alert on XX/XX/18 from my credit monitoring notifying me that this account ( XXXX XXXX XXXX ) has been closed by the creditor without any notification. I have not received any documentation, statements, letters from this bank in years. The credit card was in great standing and I would have used the card more often had I known this would have occurred.
This complaint is about the servicer XXXX, or actually the Department of Education for granting this outfit a contract. 

XXXX, in their otherwise very user friendly website, has no option to make any payments towards the principal. There are all kinds of repayment options except being able to pay additionally towards the principal. 

Now, why would this be? Perhaps the other repayment options available offer a clue. Indeed, they all maximize loan interest revenue. So, clearly this is a ploy to make it difficult for the consumer to get from under these loans. 

Is that the intention or in the spirit of the Education Department 's mission to get young people to obtain an education and build a life for themselves? 

Do the contract managers of the Dept of Education that  review prospective loan servicers, take that into account, in addition to 20 plus pages of other federal requirements? 

Please pressure XXXX to make this option available immediately or do not renew their contract. 

Best Regards, XXXX XXXX XXXX XXXX
I have a credit card with USAA Federal Savings Bank. I have had the card for well over five years and have never missed a payment. I received a call on XX/XX/XXXXfrom a collection agent telling me that I had failed to make my payment. I immediately scheduled an online payment from my account at a different institution effective for XX/XX/XXXX in the amount of {$110.00}. I then chatted with a representative from USAA and once she looked at my account waived the late fee because I have never been late on a payment. The payment of {$110.00} was effective for Friday XX/XX/XXXX. Once the payment was applied it should have made my balance on the card {$1900.00} giving me an available balance of {$95.00}. When I checked the account on XX/XX/XXXX my available balance was still showing a negative {$24.00} credit. I started a chat session with XXXX XXXX and was told that due to my card being over the limit by {$24.00} and my payment being missed they had placed a hold on my ACH payment that was effective on XX/XX/XXXX and it would not be released until XX/XX/XXXX. That is 7 days after my ACH payment was made. XXXX XXXX told me he was sorry and that there was nothing they could do about it. This is the first time I have ever had a missed payment and I remedied the situation as soon as I realized my mistake. Holding my ACH payment for 7 days is excessive. An ACH payment only has a two day window where it can be returned by the paying bank.
BACKGROUND : Late on the evening of XX/XX/2017, I saw two payments pending in online banking of my XXXX checking account, both of which were NOT MINE. These pending payments totaled {$12000.00} : One to XXXX for {$7500.00} ; and one to Wells Fargo in the amount of {$5300.00}. I initially planned on going to my branch the next morning, but then in the wee hours of XX/XX/2017, decided to call XXXX XXXX number to alert them. After talking to various departments, the third department told me that the Claims Dept. was closed, and told me " you 'll have to call back tomorrow. '' When I called the next morning, the Claims Dept. told me the payments were already disbursed, and it was too late to stop them! I assumed XXXX would make good on these fraudulent payments, but their Claims Dept. rejected my claim, saying that my phone had been used to make the payments. My XXXX banker intervened for me, to no avail. So I complained to the Better Business Bureau. I was then contacted by XXXX from XXXX Executive Office, who told me he would investigate my claim. XXXX concluded that XXXX position of denying my claim was unchanged, but as a courtesy, they requested XXXX to reverse the online payment to them, which they did, and I recovered that {$7500.00} payment. XXXX said they were not given the option to reverse the payment to Wells Fargo for {$5300.00}, and suggested I pursue that matter on my own. So he provided me with the WELLS FARGO A/C NO. XXXX, so that I could pursue the {$5300.00} fraudulent payment that went into that account from my XXXX account. 
WELLS FARGO EVENTS : Wells Fargo has not helped me, and concluded that they have done all they 're going to do, and told me that I 'd have to pursue the matter with XXXX. A Wells Fargo representative named " XXXX '' ( who works with or under XXXX in their Executive Services Dept. did provide me with a Wells Fargo email address that only law enforcement ( i.e. the XXXX ( Fla. ) Police Dept. ) to correspond with. At any rate, I am still at a loss of {$5300.00}.
Innovative Credit Solutions is still reporting a debt on my credit report in which they have not provided any information, this company calls and threatens that they are sending me documentation from the clerks office this company does not provide any information this is a collection for XXXX in which -- XXXX has removed this account from my credit reporting due to the factor its been over 7 -- -- years since the last payment was received this company provides nothing to me this is my -- -- complaint.
I have just received updated copies of my credit reports from all  XXXX  credit bureaus and discovered that there was a account and company listed on my credit report that I have never been notified about in regards to a debt which is violation of FDCPA  15 USC 1692.   This company is also in violation o of HIPPA Privacy rule and Breach of Confidentially.   This company has reported unverified false information and has stolen my identity to gain profit. I never contracted with this  Company Commonwealth Finance  nor did I give consent to use or have my personal information. Further more, this company did not provide me a  HIPPA release  that I gave consent to have my personal information or any information in regards to the account listed.
The credit agency is not entering my on time mortgage payments for the last 5 years. 
XXXX XXXX is claiming No Payments were made during this period from XX/XX/XXXX to XX/XX/XXXX. 
Are claiming I did nt make any payments at all. 
Have proof payments were made and I have the records of payments from their Accounting Dept. 
They still are claiming to the credit bureau that no payments were made and the credit reporting agency is reporting this incorrect information on my credit report.
I have disputed a credit card charge twice with Citi and included their corporate office in the rebuttal to the first decision for merchandise that was ordered and paid for but not received. The details are included in the attachement.
I contacted a collection agency named XXXX XXXX and asking them the process to have a collectio removed from the XXXX credit reports. They suggested I contact all threeagencies and request they remove it from my reports. I contacted all three companies and XXXX & XXXX were very helpfull to start the process. Experian howeverwas of no assistance what so ever. I called again to XXXX XXXX and they suggested I write a letter to Experian and that may be of more help. I was hoping you could be of assistance in this process. To explain what happend to have the collection, I was looking into taking classes with XXXX College in XXXX and while we were there I was being shown how to inroll in classes via computer and without our knowing it enrolled in a class. 
I found out about the mistake once it went to collection. The amount was {$100.00} and is paid in full. Please do what you can to assist. 

Thank you, XXXX XXXX
This complaint is about being self sufficient. The only thing that we have ever requested form Select Portfolio Servicing Inc. hereafter referred to as SPS. From the beginning our position was to pay our taxes and insurance ourselves, by doing this we could pay their principal and interest ever month that they require, We fell by doing this we would pay SPS payment BY THE XXXX of Each Month. We would also have some money left over to get other things, such as XXXX, ( see XXXX ) to protect our investment. Whereas, then we could put some money on the principal to bring the loan amount down within a year considerably. 

d ) We also know our finances and when they come in doing the month. Therefore, we know how to schedule out those payments so that we would not ever fall behind on any of our Loans, Home and Car. We could even put a little something up to pay on our credit cards which would improve our credit score, thus improving us sell our house and move into our dream house, or we could get another Bank to take our loan with a lower interest rate. SPS want to take advantage of consumers. So we can see why people filed complaints against Select Portfolio Servicing Inc . The Company is trying to steal a property that was appraised at {$320.00} XXXX home for XXXX dollar investment as of XXXX 2016. We feel the second reason for this is that SPS knows when we receives our income and how we receive it because of our last modification when we had to show the income that which was coming in, therefore, this is why SPS put our payment plan to pay by the XXXX of the month, so they could always report to the credit reporting agencies that we are late on our monthly payments. Our We also know our finances and when they come in doing the month. Therefore, we know how to stretch out those payments so that we would not ever fall behind for them to every foreclose on our property ever again. XXXX knew they would taking half of our resource monthly by placing an escrow account on us. So we can see why people filed complaints against Select Portfolio Servicing Inc . 
1. See the XXXX Attached complaints XXXX XXXX XXXX pages XXXX. See the XXXX Attached complaints Why Wo n't the Government Help Against Select Portfolio Servicing Inc. Fraud. 3 pages XXXX. See the XXXX Attached consumer complaints and reviews about Select Portfolio Servicing Inc. XXXX pages We are asking The Department of Housing and Urban Development, Consumer Federal Protection Bureau, to investigated these allegations.
I was tricked into an online learning college scam and ive become aware of it a few months to this day. I was pursuing a dream of becoming XXXX, but unfortunately I was not lucky at the moment I enrolled in an online institution because there was no XXXX degrees being offered at the time XXXX of Puerto Rico. So I decided to entrolled at XXXX XXXX ONLINE to start pursuing a career XXXX. I asked for several loans to pay for the courses I was enrolled in and transactions were made between the education institution and the financial lender Salie Mae to cover the expenses of the degree, which were pretty expensive. XXXX XXXX XXXX was charging me {$300.00} per credit and the concentration courses were even XXXX credits, each course lasted 9 weeks and I only lasted 2 years before finding out that a college in Puerto Rico, XXXX XXXX, was offering the same degree, and I didnt had to pay a cent for the same education and even a better one. I was told that not even XXXX charges {$300.00} per credit. Now I have my degree but there is still no jobs XXXX, neither I have being able to start my own business due to the poverty level im under. I survive by doing a job here and there, by donations my parents give me and by welfare I got at the moment of enrolling in XXXX XXXX due to the benefits a student renter has for having such low income. 

I understand that there is a debt forgiveness doctrine practiced in the economic world. Similar to XXXX XXXX XXXX where every seven years debt must be forgiven. There had pass 8 years almost and yet, my debt has not been forgiven.
I have spent countless hours on the phone with this credit card company about the fraudulent activity that has been reflecting on my account for sometime now. Back on XX/XX/2017, I paid the balance of {$3200.00} off in full and another payment of {$11.00} on XX/XX/XXXX which would take care of the entire balance of this account. I knew I would be going overseas so I didn't need any issue with the account or my credit while I would be away for so long. Fast forward to the very same month someone has used my card or information to purchase various unauthorized items. This goes on again a few month later and this point I asked Capital One to place a hold on this card so no other fraudulent activity occurs. While trying to get this taken care of I was advised that the determining factor in which my fraud claim was denied was because a package was mailed to my residence but there was no signature of the package being received. I advised the manager that if someone stole my information its not that hard to have a package delivered to someones home in hopes of them not being there when the package is received. The email address that was attached to the purchase didn't even belong to me and there was no trace to the owner. I have even disputed this information with the credit bureaus and provided proof of my complaint with the FTC and this claim has still been denied.
Debt on card was settled and paid as agreed over a month ago on XXXX XXXX, 2015. To date Chase has not reported my correct debt status of {$0.00} to the major credit reporting agencies and have not provided verification of payment in full as agreed. They are continuing to report a balance due to all XXXX credit reporting agencies.
Credit reports showing XXXX California residing address. Address is unknown? I 've reside in Florida the past 30 plus years. Please advise what I need to do to correct issue. Everything else looks okay. Both Equifax and XXXX showing California address. Thank you.
Today, XX/XX/18, I contacted the collection agency that recently sent me a letter regarding a collection matter that I thought was already resolved. The company is : XXXX XXXX XXXX XXXX , XXXX XXXX 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Without any success in resolving this matter again, I am now contacting you for help. 

My nephew, XXXX XXXX, was involved in an accident and went to the hospital. I received a bill for his visit. I am not responsible for his medical bills, as he is XXXX XXXX XXXX and no longer lives here at home. I first contacted the company, XXXX XXXX California, who had sent the first invoice and informed them of my situation. They supposedly had made adjustments to the account and assured me that my name would be removed from the invoice as it was not my responsibility. That did not happen. I just received a collection letter from another agency with my name still attached as the responsible party fr this debt. 

I am NOT responsible for this bill! I have tried to resolve this matter every way I know possible without any success, and now need your help to resolve this. Please help me and/or advise what my next step should be to keep this matter from damaging my credit. This is completely outrageous that I have had to put so much time and effort into a matter that has nothing to do with me. My next call may have to be an attorney! Please HELP!!! 

Thank You in advance!
I do not have knowledge of this debt that is attempting to be collected. In violation of FRCA and XXXX laws.
JPMorgan Chase XXXX is improperly calculating the " Balance Subject To Interest Rate '' value in the " Interest Charges '' section of my credit card statement. According to the customer service rep I just spoke to, the statement displays the " average '' balance I 've been carrying under each " Balance Type. '' That is not accurate since it is n't the " Balance Subject To Interest Rate, '' it is the " Average Balance. '' The practical impact of this is that I do n't know how much I actually owe for each " Balance Type. '' For example, I have a 0 % interest promotional rate for a portion of my balance. If I want to know how much I owe under that promotional rate I have to call in and ask since it is n't displayed anywhere on my statement.
XX/XX/XXXX approved for {$800.00} loan. I did not know about the  659.6368 APR unti l the money was posted to my bank account. My loan payment schedule is stretched out to XX/XX/XXXX paying over {$200.00} twice a month. THIS SHOULD BE ILLEGAL. This is the first action I 've taken so far. Please help!!!! Thank you.
In XX/XX/2017 I decided to pay off a credit card balance of {$490.00} owed to XXXX  XXXX and I received a receipt for my payment.I am now being hounded by Portfolio Recovery Associates, LLC for that same bebt.I sent them a copy of my receipt and they now reported it to the credit bureaus
This credit card was issued thru MBNA and was PAID after an agreed settlement number was given. This credit card was back from XX/XX/XXXX and was paid and should have been removed from my credit in XX/XX/XXXX.
This company calls me every single day, several times per day, starting from XXXX XXXX and going through XXXX XXXX, from a new phone number almost every time. They do not leave messages, but when I return their calls they answer as Diversified Consultants , Inc . I have asked them to stop calling me, but they still call. I have also been on the Do Not Call Registry since the inception of the registry, updating my request each time I change phone numbers and every few years ( even if I have not changed numbers ). Collectors have been trying to collect from my phone number on a debt apparently owed by a XXXX XXXX since I got this number in 2010, and rather than removing this number from their lists, it gets passed along from collector to collector. This agency is the WORST in terms of frequency of calls and times of calls, and switching phone numbers so that I can not keep their calls blocked.
When I paid a lump sum of XXXX toward my student loan I was informed that it can not be counted toward the principle until the interest is paid off. I asked if I could apply it toward the principle but they said I could only apply it toward the interest. 

So now I have paid off all my interest and now Im slowly chipping away at the principle which of course makes my payments last longer so they can collect more interest. I feel ripped off.
To whom this  may concern : I mailed a Multiple Inquiry Removal Letter o n  XXXX   XXXX ,  2017  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that are being reported on my file. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL INQUIRIES, which was " Inquiries are a factual record of file. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCR A 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and M UST BE INVESTIGATED, and if you do not investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response 4 days after the recipients received my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on m y Credit Reports disp lays a sign of financial trouble, when that is n't the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness for a consumer.
Professional Finance Company has placed inaccurate information of a debt of {$340.00} on all three credit bureaus. I've requested documents that were used to verify the accounts as being accurate. I've requested Validation and have received a bill. No signatures, no contracts, just a bill that I have enclosed in this complaint. I do not owe Professional Finance Company any money for any debt.