WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX  my husband and I financed through Chase Bank the purchase of a   XXXX   (  XXXX  )  XXXX . The entire transaction, including the loan application was done through the   XXXX   XXXX  . In  XXXX ,   XXXX   was found guilty of misrepresenting the amount of car emissions in some of its models ( including ours ). A class action lawsuit was filed and as a result  XXXX  gave customers the option of trading in the car for a cash payment. The payment consisted of two parts. One was the payment to Chase Bank to pay off the auto loan. The remaining amount ( after paying off the car ) would be deposited in our bank account. We took this option, and in  XX/XX/XXXX  submitted the paperwork through  XXXX . On  XX/XX/XXXX , we gave in the car at a local dealer and two days later received the money in our account. When I checked the auto loan, however, I noticed that the full amount paid included the principal balance of {$16000.00} and an interest payment of {$1000.00}. Nowhere were we informed that we would have to pay close to {$1000.00} of interest for prepaying the loan. In fact, the  XXXX  dealer informed us that we would simply be paying the principal balance on the account. This seems illegal and possibly even a scam and I would like to alert other customers to this, especially those participating in similar  XXXX  transactions. Because  XXXX  pays the auto loan balance directly, it makes it easier for the interest charge to go unnoticed by individual consumers.
HOW DO YOU LIKE THIS -- I REQUESTED MULTIPLE TIMES FOR LTD FINANCIAL SERVICES, INC. TO CONTACT ME.  I WAS ONLY ABLE TO SPEAK TO A HUMAN ONCE WHO GAVE ME HER EMAIL ADDRESS.  I SENT HER THE REQUESTED DOCUMENTATION AND NEVER HEARD FROM THEM AGAIN.  THE MONTHLY BILLS STOPPED ALSO.  TODAY, I KNOW WHY!!  I RECEIVED XXXX XXXX ON BEHALF OF MY XXXX MOTHER TOTALLY ALMOST $XXXX.  THIS IS CRAZY AND ABUSIVE AND A COMPLETE RACKET.  NOW WITH THE XXXX ALLOWANCE THESE COLLECTION AGENCIES ARE XXXX PEOPLE.  I REALLY REALLY NEED HELP.  THANK YOU.
I have an account with Bank of America. I never use this card account but a few months ago, I transacted on XXXX and didn't realize that this card was used for that purchase.

As I never use it, I didn't check the outstanding balance. The company never sent me a statement. They never called me about the balance. I realized about the outstanding only after they reported a 30 day past due to the credit bureaus and my FICO decreased from 794 to 650. I immediately made the payment. They reported me to the bureaus for a past due of
Portfolio Recovery Associates h old  XXXX  accounts from  XXXX    XXXX   XXXX   that were from Identity Theft by a relative of my husband. I submitted in  XXXX  Fraud Report to  XXXX    XXXX   XXXX    ( Original Creditor ), Portfolio is now the owner of both debts and I am currently being sued for a balance of {$3000.00} in account #  XXXX , this debts are not mine. I provided Portfolio another Identity Theft Report and also to  XXXX   XXXX   XXXX  their Attorney representing them on  XXXX  and also on  XXXX / XXXX / XXXX , I have contacted  Portfolio Recovery Associates  and fail to dispute both  XXXX    XXXX   XXXX   accounts. They have also not done anything to stop their legal action on the lawsuit to investigate. On  XX/XX/2017  I sent a request about both debts and they have not provided me with any documentation other than monthly statements.   I am a victim of Identity Theft, this debts are not mine!
I have maintained a Macy 's credit card for several years and pay the balance monthly. In the past 6 months, DSNB/CitiBank has been charging a {$1.00} 'Minimum Interest Charge ' each month, compounded, regardless of account balance. In other words, if I have not used the card and have XXXX balance, the fee is still charged each month. I pay any balance in full well before the payment due date and the fee is still charged. When I dispute the fee by calling DSNB, they immediately credit the fee. This is my inconvenience to wait on hold each month to correct DSNBs credit card add on fee. 
Admittedly, I have not audited my account over time to see when DSNB started this practice. The DSNB is charging this nominal credit card add on fee regardless of balance, which most will likely pay much less notice on their statement.
I received a letter attempting to collect over {$900.00} in fees on a fix it ticket that was " owner responsibility '' I do not own the car. I'm also not sure how those fees would've accumulated, the case number I was given doesn't exist in the court system. I sent them a letter stating I do not own the car, my name is not on it, and I am not responsible for the ticket yet they continue to send me monthly letters.
Hello My name is XXXX XXXX ; I am writing this letter as a complaint on CapitolOne Bank. I have been with this bank for about a year, not as a personal account holder but as credit card holder. I have XXXX cards from them the first I received about a year ago at {$500.00} limit ; I have no problem with that one because I always pay as schelude. The problem is with the second card I received a few months ago at a higher limit. I make it a habit to pay my bills on time and always add a few dollars more than the limit to keep my credit score at a decent rate. This Bank has deliberatly been sending bad reports on me as if am not paying them. The card in question ends in XXXX. Going back about four months ago, I miss the due date by a day and called the customer service, they agreed to drop the {$30.00} late charge but said I still have to pay XXXX dollars instead of XXXX so the system would correct itself. I paid it and taught all was well. XXXX months pass and I assume Iwas paying on time because of what was showing on my computer screen ; I normally pay on the day my payment is due because I dont have a steady job and ca n't predict what my funds will be around my due date. I never considered the time of day I pay an issue, so when I see my payment being posted for the next day I considered that a bank issue. Customer Service never explained that my payments were being counted as late and nothing on my screen was telling me either, all I was seeing was the minimum amount and due date. I missed the due date this month by a few hours and called customer service to make the payment, the person told me {$60.00} I asked if the late fee could be excused and he said yes just pay to XXXX owed which I did. The next day I check my account and there was {$90.00} charge added to my next payment I called customer service again and was told I owe this money because of pass late charges, i asked why was it not being showed on my screen up until now, they have no explination except that am behind on my payments and the its being documented on my credit report. I have decided to stop paying them anything on this card until someone outside of them looks at this situation. Am asking to please investigate this matter quickly so I can assume my payments.
The name of the company is  Oracle  rep calling  XXXX   XXXX   XXXX . She was told to stop calling my job and that I could n't accept personal calls. My employer at that time hung up and  XXXX   XXXX  called back to speak with my supervisor and asked to speak with her directly. My supervisor then contacted me and told me that she had spoken with  XXXX   XXXX . My job is in jeopardy because of the harassment this person is doing. She was told to stop calling on numerous occasions and yet she continues. She called on  X/XX/2017    once,  XXXX  once,  XXXX  twice,   XXXX   twice and the  XXXX  three times and that was when she spoke with my supervisor.
Please substantiate your claims regarding information XXXX XXXX XXXX #  XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX   XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
I filed a dispute with XXXX regarding XXXX and XXXX loans. However, when they responded it was said that the loans are in good standing but my reports show the loans are paid late which is totally in accurate. XXXX stated that the loans were defaulted in XX/XX/XXXX and XX/XX/XXXX but I can provide proof via my checking account when the payments were on auto pay and debited from my account. If necessary I will provide bank records from my account. 
Please remove this from my account. 
The delinquency is contributing to my low credit score. I need these inaccuracies cleared up immediately.
I went into XXXX without insurance in 2012 for what I found was a muscle spasm. I was discharged the same day and received a bill for {$560.00} from XXXX XXXX XXXX ( original creditor ) for their emergency services. My family was financially unable to pay that account and the account became delinquent and was reported to collections. XXXX XXXX XXXX ( original creditor ) also had charged me for the XXXX visit since their physicians were not employed by XXXX. I never received a bill from them nor did I know they would impose an additional charge for my visit. Because I did not know about this account, it was sold to a collections agency and has been sold back and forth multiple times. This makes it extremely difficult properly address the agency that owns that debt. Back in 2012 I was not properly informed of XXXX 's financial assistance program ( for which I would have undoubtedly qualified, as I presently qualify ). I recently applied for financial assistance with XXXX and was approved for full assistance. They removed all responsibility for the amount owed. Under XXXX policy and Federal guidelines, adjustments made as a result of financial assistance are also applicable to amounts billed by partner companies, such as XXXX XXXX XXXX. I tried contacting XXXX XXXX XXXX to inform them of this adjustment, however they were unable to provide any assistance since they no longer owned the balance I previously owed them. As stated, it had been sold to credit agency after agency. It is my aim to remove the unpaid status from this debt of {$570.00} through the presentation of XXXX 's charity letter and adjustment sheet attached. I would also like to remove both negative information entries originating from XXXX and XXXX XXXX XXXX as delinquency arose from unfamiliarity with hospital policy and financial instability ; not neglect or indifference. 
Having both of these accounts show up on my credit reports has been financially distressing and emotionally stressful. As a recent graduate I am eager to join the consumer market and build my credit. This incidental information has deterred progress toward building my creditworthiness but I have been persistent in obtaining credit through federal loan programs and other minor credit lenders. I ask that CFPB review the attached documents and settle my dispute fairly.
experianXXXXXXXXXXXX XXXXstatus showing : collection/charge off ( should be unknown ) debt was included in chapter XXXX bankruptcy filed XXXX.
XXXX XXXX calls my spouse 's phone repeatedly and continuously using various different phone numbers. In fact, my spouse has 20 different phone numbers now in her phone as a " contact '' for XXXX XXXX. Just today, they have called 3 times in 3 hours between XXXX - XXXX.
This company is attempting to collect a debt which is not mine. I have proof to substantiate my report and will seek legal action if this matter is not cleared up.
On XX/XX/XXXX, I sent an investigation requests to the credit bureaus. Over 30 days have passed, and I have not yet received responses as I should have.
On my credit bureau it shows XXXX XXXX XXXX XXXX. It has the open date balance, last paid. I had insurance at the time of whatever procedure was done, the balance was {$31.00} if I owed this I would have paid it. I have tried to contact the company and you can not even leave a message. This was on Experian. I am going to dispute it with Experian, but I think that the person who put it on should be able to be contacted.
Santander Bank charged me {$3.00} paper statement fee even though I chose paperless statement during account opening. Apparently they removed my email address on file and since they do n't have XXXX they opted for paper statement without telling me.
A collection was filed with Berks Credit and Collection in XX/XX/2015. I was not made aware of a collection and there was no attempt on the part of Berks to contact me, although they claim to have sent XXXX letter in XX/XX/2015. This letter was not sent via certified maiI and, per an employee at Berks Credit and Collection, was sent to an address I had not been associated with for almost 3 years. In order to speak with the collection agency, I had to call Equifax for the company information. I first spoke to XXXX XXXX and asked her to remove one of the collections showing on my credit report since, for whatever reason, the same collection had been reported twice. She refused and told me to take it up with the credit agency. XXXX already told me the duplicate is because of an error from Berks and they can not remove it, only the reporting collection agency can. I then asked XXXX to remove the collection from my credit report when I pay and she refused that as well. She would not give a reason as to why they would not remove the collection when it would be satisfied today after I had to reach out to them. The call was ended so I called back and spoke to XXXX XXXX who was equally rude and condescending. XXXX ended the call with me as I tried to question the company practice of reporting paid in full versus removing the debt collection from the credit report. I want to understand this practice before the account is paid in full. Once reported tot the Better Business Bureau, the company responded by stating they will remove the duplicate account from my report since it was an error made on their end that has caused XXXX hits to my credit, but they have not addressed the fact that I was not given proper notice of this collection before it was placed on my credit report. In speaking with XXXX XXXX, Berks Credit and Collection admitted to sending a letter in 2015 to an address that I had not been associated with in almost 3 years. This letter was not sent certified mail and XXXX stated, " We ca n't send everybody with a collection a certified letter for their collection. We send a letter and if it does n't get returned, we assume it was received ''. I explained this is a poor assumption as mail is lost or thrown away all the time and there is no way to account for if someone received the correspondence unless it is signed for. XXXX continued to be rude, condescending and disrespectful on the call and threatened to end the call when I told her that she needed to watch her tone and attitude when speaking to a customer/client. Since proper notice of the collection was not given prior to the collection being placed on my credit report, it should be removed from my report altogether upon payment.
My mortgage was transferred to Seterus Loan Servicing in XX/XX/2016, I have received only one statement that does not give clear explanation how the payments applied or how fees added to account, I have requested my statements so far nothing. I just received a notice of debt dated XX/XX/2016 it 's very vague, the itemization amounts do n't match, it 's very vague, it has transferred balance {$280000.00} differed balance {$620.00}, current balance {$210000.00}, interest {$2400.00}, late fees {$160.00}, inspections {$30.00}, valuation cost {$85.00}, total current {$280000.00}. I sent them a letter for explanation so far I not received a response. If my current principal is {$210000.00} plus deferred {$620.00} the total balance owe should not be {$280000.00}. With that said I need them to honor the current balance and the deferred payment wish comes to a total of {$210000.00}
I had a very rude person from Pay Pal Collections call me today, asking what the reason was I had n't paid my account in over 30 day. She said I was over 30 days late, which is not true. I told her the last payment was XX/XX/XXXX and she said it was 30 days past due. I missed my payment on XX/XX/XXXX that was 9 days ago. I told her it was 7 business days late. She was so threatening rude, kept cutting me off, and told me that Pay Pal would take money from my checking account, and that I owed an extra {$35.00}, Then, she had the nerve to tell me I 'm always late, I have n't been in 6 months or more. 
She asked me why I charged up over {$700.00} if I was n't going to pay my bills on time, and that my account would be closed if I did n't pay today, because it is so behind. NO delinquent notice sent. She also told me that if I did n't pay her, that she 'd keep calling until a payment was made. She kept mentioning the last XXXX numbers of my checking account, and saying I HAD to give her a payment. 
When I asked her what her name was, she said " I already told you ''
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days pat due as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I was under contract with a home that was foreclosed on by Vanderbilt Mortgage. I was preapproved for the contract price of {$110000.00}. My Lender obtained an FHA appraisal for my purchase of the property. The FHA appraisal came in for {$88000.00}. After XXXX extensions to my due diligence contract the asset Manager notified their selling agent and my buyers agent that they were canceling the contract and removing the home from the market since the appraisal came in so low, and I was told that the property would be removed from the market. I just saw the property listed for sale and called XXXX number listed. They are attempting to sell and finance a home that appraised less than 30 days ago for {$88000.00} for {$110000.00}. That is {$31000.00} upside down in this property and should be considered predatory lending. Mortgage and Real Estate professionals in North Carolina are to be held accountable for everything they do, Vanderbilt Mortgage needs to be held accountable for Predatory Lending Practices.
I have an   XXXX   XXXX   account to receive early payments and it 's not reflecting my c orrect   XXXX   account ba lance
I was charge for services not rendered. Letter sent explaining issue. Physician in XXXX at XXXX Hospital, XXXX XXXX, Ca refused to treat me, so I went to another facility. They are trying to collect on services not rendered. XXXX XXXX XXXX XXXX and CA XXXX XXXX XXXX have turn the claim over to a Collection Agency, Stanislaus Credit Control Services , Inc. in XXXX, CA.
On XX/XX/2018 a check from XXXX XXXX was deposited with Citibank. The check was to payoff my credit card balance but was in an amount greater than the balance, leaving a negative balance. 

As I made the deposit, I requested the excess payment be transferred to my checking account. 

I have called the Citicard number on the back of the card at least 5 times since then, most recently on XX/XX/2018, each time speaking to a different person, getting a different story about what is going on, promising different efforts to remedy the problem, but all with the same result - no money transfer and a remaining negative balance. 

HELP!
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation and the injured parties THEY are responsible for by signing them up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
I am trying to refinance my mortgage interest rate 7 to 8 % they are hiking my payment by almost {$1000.00} a month. they deferred payments over the life of my loan ( 12 over 12years ) I was never told that the interest would be put to the side as a separate part of the loan and now I can not refinance my home appraisal is {$200.00} K and with the interest which they do not wish to waive I owe $ XXXX they have not modified the loan I have tried to get it modified in the past and they do not work with me to make things reasonable I am desparate I do not know how I can pay almst {$2800.00} a month when I take home about {$4000.00} total the company is HSBC mortgage services ins acct XXXX thank you XXXX XXXX XXXX
I am writing to dispute a situation  with Wells Fargo. They are reporting a negative home equity line of credit account to the credit bureaus of  XXXX  and  XXXX . It is p ast the  XXXX  years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a much longer period of time.     There has been very strange activity with this  Wells Fargo account on the credit bureau reports. I am disputing items and requesting written documentation from Wells Fargo  documenting payments made from  XXXX  to   XXXX   as well as multiple consistent 120 day late entries from  XXXX  to   XXXX   I have made absolutely none of these payments! Actual pictures of the check or money order used to make the payments are being requested. It would seem as if the account was re-aged consistently over several years from  XXXX  to  XXXX . If, in fact, this was the activity being performed then it was without my involvement and consent and why I have brought up the matter with the Consumer Financial Protection Bureau.