WillisBack/dataset-financial-user-claim huggingface dataset:
I have a XXXX loan that I took out in order to afford the down payment when I originally bought my home. For years, I have routinely payed that loan on or before the date that I was given as the end of my grace period. I was clearly and repeatedly told that no late fee would be charged as long as I stayed within that period. Most months I paid a little bit extra on the loan in an attempt to pay it off before the interest rate increased. This week I received a phone call informing me that my payment was short. When I disagreed, the woman on the phone explained that while I had not been charged a late fee because I had paid within the grace period, that a separate interest was attached to the amount owed for every day after the actual due date of the loan - meaning that I am being charged an additional fee even when I pay within the grace period. I have been making payments on this loan for roughly ten years, thinking that I was getting ahead when I paid extra, only to now realize that I have been charged this additional fee for all of this time without ever having been told about it. I think this is outrageous and I certainly hope it is illegal. I hope that you will address this, stop the practice, and help me and others get our money back.
Transunion has been reporting on my credit report since 2013 charge off bad debt on XXXX account ending in XXXX. This was sent to court in XXXX 2013 with a ruling of dismissed with prejudice and also stating I am not liable for said debt account. I contacted XXXX in whom the account was sold to. The case has been deleted with them and also they reported the corrected information to all three credit reporters on XXXX XXXX, 2013 with a AUD number of XXXX. However it continues to be reported as bad debt and derogatory. I have enclosed the court documents an advise Transunion to delete this account off my credit report and I can not imagine how this has impacted my scores and credit worthiness. Your company did not investigate this as then you would have found out if you contacted the proper channels this debt should not be reported in such a manner. Please take note of the violation in place here on your company for doing this for almost three years. Take it off thank you.
On Wells Fargo 's online banking website, there use to be running totals for each transaction on the checking accounts, savings accounts, and on the platinum visa credit cards. Wells Fargo recently redesigned their online website, and now only have a running balance per transaction on their savings accounts, changed the checking to only daily running balances, and completely removed any running balance/total at all from the platinum credit card accounts. With no running totals for what is owed on the platnium credit card accounts, customers no longer have a way to check and balance their grand total. Wells Fargo can literally put any grand total as owed without customers being able to check if it 's accurate unless they go back to the beginning of time with their account and calculate each transaction by hand. Not only is that a huge issue for customers, but Wells Fargo 's online records do n't even go that far back. So customers are just supposed to trust that their total is correct. It seems very suspicious that Wells Fargo would due away with this feature, especially in light of all of the fraudulent activity going on with Wells Fargo in the news. I would think it 's illegal to due away with that feature and give customers no way of checking their grand total owed on their credit card? I feel it really needs to be looked into and investigated. A Bank should not be allowed to remove data like that and expect customers to just trust their grand total owed without any way of confirming it 's accurate.
I had investment property that was the subject of a foreclosure lawsuit in XXXX XXXX, Illinois. The property suffered serious internal damage because of negligence by the former tenant. The servicer, XXXX XXXX XXXX XXXX allowed the homeowner 's insurance to lapse. My payment consisted of principal, interest and escrow. I 'm currently a class Plaintiff in a pending lawsuit against XXXX XXXX. To make a long story short, I was not financially able to repair the {$10000.00} + damage and attempted to work with XXXX XXXX. They retained a law firm and I was sued in a foreclosure lawsuit. I have worked out the deficiency judgment with the plaintiff 's attorney. Sometime in XXXX ( XXXX ), I received a letter from a collection agency called " Clear Spring Loan Servicing '' along with a " Limited Power of Attorney ''. The POA has no account number, no address, my name is not included. I hired a consumer advocate and she received another " Limited Power of Attorney '' dated in XXXX. Again, there is no name, property address or account number listed on it, and it is lacking the notary seal as well. XXXX XXXX from XXXX, a well-respected consumer advocate investigated the contents and contacted the people listed on the Power of Attorney forms. It was discovered that " XXXX XXXX '' is really XXXX XXXX XXXX XXXX, XXXX, Assistant General Counsel of XXXX in XXXX. XXXX XXXX denied signing the Power of Attorney and said his signature on the alleged power of attorney is a forgery. XXXX XXXX contacted XXXX XXXX who is indicated as a " Vice President '' of XXXX on the XXXX bogus power of attorney. XXXX XXXX denied that was her signature and considered it as a forgery as well.
I received daily calls to my cell and work number while I was in the hospital. When I returned the call, I first spoke to a representative who transferred me to a XXXX who was rude and hung up on me when I asked what this was in reference to. After being hung up on the first time I called back to speak to a supervisor who laughed at what happened after I explained to him and hung up as well. I called back the number XXXX and asked for a manager. After being put on hold numerous times, I had a lady who claims she was VP named XXXX XXXX who was being very rude with cutting me off and talking down to me ... they threatened legal action so therefore I called back and explain to mail me only any bills since in the past I have had my identity stolen and XXXX XXXX laughed again and hung up. These people are wasting my time harassing me without explanation or verifying HIPAA. My next step is to contact an attorney.
Update to prior cfpb dispute XXXX : I have received a final written response from Equifax Information Services LLC. The number of calendar days from US Postal Service XXXX Mail mailing ( proof of mailing attached ) to receipt of a response from Equifax is 39 days total. 
The true dates of first delinquency on these accounts are more than a decade ago, as these accounts were opened in XXXX. Moreover, the accounts have been paid in full for nearly three years. 
My XXXX prior requests for copies of my signed Consumer Disclosure Files ( in order to prove debt re-aging ) have both been disregarded and ignored, while a total of XXXX ( XXXX ) alleged missed payments are still being illegally reported in my credit file. I have provided scanned copies of my written requests dated XXXX XXXX, XXXX and XXXX XXXX, XXXX with proof of mailing for each hand-written letter. Equifax 's response does not even mention or acknowledge that I requested these documents, and the accounts have been erroneously " verified '' despite being disputed more than half a dozen times. This has been going on literally for years, trying to get these false and damaging inaccurate records either corrected or simply deleted. Please help!
XX/XX/18-I scheduled a one-time payment on comenity.net.boscovs to process a {$30.00} payment on that same date with an account that I have used before with this merchant 's card. 

XX/XX/18-I contacted XXXX XXXX XXXX XXXX after I received an alert indicating that my account was marked as 30 days late. I spoke with a Supervisor name XXXX who informed me that a payment was returned on my account due to an invalid account number. She also informed me that I would have received calls from an auto-dialer to let me know that my payment was late. 

XX/XX/18-I contacted XXXX XXXX again after later realizing that my credit limit was also decreased due to this late payment. I spoke with a gentlemen that advised me again that the payment account used was invalid, I then informed him that I have used the assigned checking account before. He indicated that I had never used that account before to draft a payment. on this account, but with a different merchant card that they also carry. He then verified the last 4 of the checking account on the other card and stated that the last 4 numbers did not match the checking account that was used to draft my payment on XX/XX/XXXX. I have since made the payment that was in question and feel that there was a system error because the account I used, that XXXX XXXX swears that I have never used, is actually listed in my XXXX XXXX account profile, and secondly, I would have never received their auto-dialer payment alerts because the number listed in my profile is not my contact number and I am not familiar with whose number that would be, but it's not mine.
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 5. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. XXXX
Paypal closed my Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any warning or reason. There are more than {$8000.00} in my account. They refused to return the money and said they will grab the fund for 6 months without any reasonable ground. 
That means that I can not access my own all legitimate money for 6 months, which causes enormous financial stress and loss. 
I was given no valid reason when calling the representative.
On or about XX/XX/2018, I filed a dispute with Equifax. Equifax reported a secured account with XXXX/XXXX XXXX XXXX XXXX. None of the information was correct. Initially, Equifax reported as a credit card that was over 120 days past due. I received an update, my profile is now reporting a " secured '' loan, which is not correct. High balance of {$3400.00}, and I already stated never had a credit card. In fact, I do not have a secured loan. And if I did, how would I be 120 days past due when my credit report is saying the monthly payment is {$250.00}, but only {$410.00} is past due. None of this makes sense. Equifax did not properly investigate.
Today it was brought to my attention that a mortgage company has been reporting to all XXXX credit companies. I 've never had a relationship with the company called Caliber Home Loans, but they have been reporting as if I do for the last year. I did previously own a property with XXXX XXXX XXXX, but as of XXXX XXXX I was discharged and cleared in the United States bankruptcy court in XXXX NC. I was discharged from XXXX XXXX XXXX and all other debts. At the time of XXXX XXXX, I gave up all rights to the property and debt and had not lived in the property since XX/XX/XXXX. So it crazy to me how a Rep at Caliber Home Loans by the name of XXXX XXXX number XXXX, told me that they acquired the loan from XXXX XXXX XXXX as of XXXX XXXX, A whole year and a half later after my BK was discharged. XXXX XXXX stated that my BK did n't discharge me from the property, all it means that they ca n't collect the monies on the property that was owed before my BK, but that they can continue to report this loan to the credit companies, and that they can collect funds on the property since the discharge of BK, but If I want to go on a payment plan, modification she could help me cause If I called another department no one can speak to me because her department is the only one that can handle my calls. I told her, I did n't need her help because I gave up the property and that the property was discharged in BK. After I stated that XXXX XXXX, became disrespectful, rude, and used foul language to me and placed me on hold without asking and never came back to the phone. I just ca n't believe that this is possible.
I have sent letters to XXXX XXXX XXXX XXXX requesting that they validate NOT verify 3 debts that they are attempting to collect from me. I submitted these request on XX/XX/XXXX for one account. The other 2 accounts request was submitted on XX/XX/XXXX. They provided me with billing statements which does not prove that I am obligated to pay them anything. They can not provide a signed agreement between Portfolio Recovery and myself. The FDCPA 15 U.S.C. 1692C ( a ) states " Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never given above named company any type of permission to contact me, even though they have done so numerous amounts of times. I have no personal relationship with Portfolio Recovery Associates and am unaware of how they obtained my personal identifying information with my knowledge and / or consent. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Signed up for BMO Harris checking account on XXXX/XXXX/16 with {$200.00} signup bonus. I 've met the terms of the bonus and have contacted BMO with the promocode ( XXXX ) I had used to signup for the account. Another month has passed with no resolution. It has been over 120 days now since I opened the account. I 'd like to bring this to closure.
Citi Bank recently closed my credit card account. In doing so, they took XXXX " Thank You Points '' worth approximately {$1300.00}. I have been a Citi Credit Card holder for over 10 years and I have never had a late payment or missed payment. I have an excellent credit rating.They gave me no warning that they were going to close my credit account or take my points. After closing my account, I contacted Citi Bank and they told me they could close my account and take my points at any time for any reason. They will not give me a reason for doing this. I want my points back. They tell the customers that they " earn '' Thank You points through purchases. Since I earned the points, how can they take them for no reason? I suspect this practice by Citi Bank has been used on several unsuspecting customers who have accrued several Thank You Points. Perhaps a Class Action Law Suit is needed. I see no reason for them closing my account other than to simply take my Thank You Points which I had earned.
My mortgage is now being serviced by MrCooper. I called their customer service at XXXX around XX/XX/2019 and explained the issue that their escrow analysis seemed to be too high and based on incorrect information. They gave me an email address to send documents to and I sent them the attached copy of our real estate tax bill to XXXX and included the following information in the email on XX/XX/2019. I have had no response or acknowledgement regarding my request to have my escrow analysis relooked at. 
This was the email message. 
Hi Please look at my loan # XXXX for XXXX XXXX XXXX, XXXX, MD XXXX since you increased my monthly escrow payment to {$1500.00} and noted that my taxes are over {$12000.00} when they are {$8400.00}. Attached is the most recent tax bill from my county for you to review and look at in calculating a correct escrow payment. 
Thank you I am attaching my tax bill and the escrow statement from them showing their escrow analysis which seems to be using {$12000.00} for property taxes when the property tax bill is actually {$8400.00} which I received from the county where the property is located.
XXXX, College Assist had XXXX contact me about a student loan that was consolidate through XXXX. During tax time, College Assist had department of the treasury, forward my federal tax return to them. Once I found out, I call College Assist, and they said it was an ERROR on their part, and my refund will be issue back to me. Now, XXXX tax year, they have once again are trying to collect for a account was already paid to them from XXXX Once again, they have taking my tax return. Once again, I 'm having to send proof that the account was paid off. XXXX, has closed my account, but then College Assist had ECMC make a request to gain my return, plus ask me for more money. The account in question is the same account that was paid from XXXX. XXXX has also talked to about the accounts, and verify all College Assist accounts under my name are Paid. I feel College Assist is trying to get double paid for accounts, and making false complaints that they have not been payment. Once I prove they have been paid, they get another collection company to try to get me to pay an account they know it have been paid. They also, are not helpful when it comes to proving the accounts have been unpaid, and do n't accept documents via fax or email that will prove the account was paid. They say send it via mail or fax, but some of their employees say different. Sounds very unprofessional. Their ethics, and tactics for consumer service is terrible.
I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
XXXX store # XXXX in XXXX, try paid with personal check, got decline bi TELECHECK COMPAY. I have money in bank. Called TeleCheck company ask what go on? answer because never pay with check the system take action. ( negative? ) -because try to use it pay via check? ( not fear )
These addresses are errors. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, GA XXXX
Hunter Warfield began reporting an apartment collection from XXXX XXXX around XXXX XXXX. The original balance was reported as {$2300.00}, and as of XXXX 2017 is reporting the balance at {$3200.00}. I have disputed this debt to Hunter Warfield directly as well as through the credit reporting agencies that they reported it to as a collection account. I do not owe this debt. There were repeated and significant issues with the apartment and the apartment management breached its duties under Florida law to maintain a habitable environment. There were rodents in the apartment, and I and my children were bitten by bed bugs, and the apartment was consistently infested with cockroaches. The last straw was when my daughter came screaming to me because there was a dead roach on her toothbrush. I am not sure which adjectives I can use to describe the apartment other than completely substandard, disgusting and gross. To add insult to injury, the apartment management created all kinds of bogus and illegitimate fees and sent it to Hunter Warfield to collect. When I tried to explain this to Hunter Warfield, they seemed uninterested in anything other than collecting the debt for their " client, '' whom apparently they presume to be right and the consumer wrong. I paid what I was required to pay and more ; I left in XXXX but had rent paid through XXXX. It is morally reprehensible that Hunter Warfield is attempting to collect over {$3000.00} for these reprobates. On top of this, it seems Hunter Warfield is adding a collection fee or interest charge to the balance each month. I can not see how this is permissible or legal.
Applied for a credit card. The card I received was used for fraud in less than 24hrs. I was informed by chase that a previous card was sent and was used for fraud without my knowledge and that this card was my replacement only to find out in the same conversation that the actual card I had received would be cancelled and that a new card would be sent but the previous representative told me the wrong information and my current card was good. I closed the account immediately. I had the card less than a week! Now I 'm concerned if it was done at Chase or if someone has access to my personal information.
Credit Consulting Services of XXXX, CA continuously reports that I owe {$3200.00} to XXXX XXXX School. I sent them a letter from the school stating that I do not owe them anything, but CCS continues to report false information about me that is hurting my credit report. Please see attached letter from the school. Please help me, this is illegal.
On XXXX XXXX,2017 I used online payment and paid credit card and used the wrong XXXX checking account ( which belongs to my ex husband not myself ) .by mistake. Within a few days received phone call from my ex husband informing me of the mistake. I immeadiately called Chase and asked them through their knowledge how to handle this transaction and reverse this payment back. Since no actual payment was due on the card at the time it was not a big issue the woman informed me and she would handle the problem. A few days later I looked at my account and noticed not only did she retiurn the pay payment but she reversed a second amount of {$300.00}. So Chase actually created 2 transactions out of the one transaction. Because of this they paid an extra {$300.00} to XXXX XXXX which is a mistake. Therefore they are charging this mistake to me and my account. I am not the reciver of the money on the other end and have asked for the return and they refuse to correct their mistake that I at no time approved. So not only did they protect themselves with the return, they paid an extra {$300.00} and charged it to me. I have spent over 7 hours on the phone being misled, yelled at and lied too. I finally got to the payments department where I asked could they please investigate the problem and get to the bottom of it and please give me my money back. I was yelled at and told no too bad and to XXXX it up. I would just have to pay for the mistake, it clearly is a mistake on someones part at the bank. And it is unfair that they charge me for the mistake..
Below is a response from CITICARDS. 

We are sending an additional letter to the customer to reinforce that the payment history is correct and will not be changed. We explained that the payment dated XXXX/XXXX/XXXX was returned unpaid, resulting in the account being reported 30 days delinquent. A replacement payment was received on XXXX/XXXX/XXXX, but no payment was received for the due date of XXXX/XXXX/XXXX. This resulted in additional 30 day reporting from XXXX through XXXX XXXX. A one-time adjustment was made to the Minimum Payment Due on XXXX/XXXX/XXXX, bringing the account current. We provided a copy of the response sent on XXXX/XXXX/XXXX, as well as a copy of the billing statements from XXXX XXXX to current. 

MY RESPONSE. 

If my XXXX/XXXX/XXXX payment was retuned and I replaced the payment on XXXX/XXXX/XXXX, how was I 30 days late????? Sounds deceitful to me. Citicards claimed that I failed to make my XXXX payment, which is another lie. I made an ONLINE payment of web ID XXXX. Where did this payment go??