WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Bank of America savings account. I submitted a single payment to my XXXX XXXX account. I incurred five separate overdraft fees which Bank of America was unwilling to refund.
THE ATTACHED INFORMATION EXPLAINS BETTER. THIS IS A SUMMARY As a veteran with a XXXX XXXX and the single parent of XXXX children with XXXX, it is imperative that I have a vehicle for all of our medical appointments. Due to erroneous banking practices by XXXX XXXX XXXX XXXX which I initially filed a complaint for ( # XXXX XXXX ) and plan to re-file/re-open, I was late on a couple of payments with Capital One Auto Finance and tried several times to make payment arrangements via refinancing, lower monthly payment request, extra payments per month, and automatic deduction via their website. Unfortunately, to date, I received no response from Capital One Auto Finance until Monday,XX/XX/XXXX, four days after they repossessed the vehicle. My payments were $ XXXX+ per month for a XXXX XXXX XXXX total price $ 26,000+. I paid on time and ahead of schedule until activities by XXXX XXXX XXXX XXXX broke my record. As a XXXX veteran, I know that there are laws to protect us from fraudulent activities and unfair charges by companies and I am researching what else I can do. In the interim I would like the vehicle to be returned and all of the extra charges and fees to get it back dropped by Capital One Auto Finance. I am in desperate need of transportation and pray that this can be handled at your earliest convenience. Your website will only accommodate less than 10mb of information so I will send the rest via certified mail today. Thank for any assistance/information that you are able to provide.
I have multiple dates of inquires. Almost daily. I put fraud and security alerts buy my credit is still being ran almost daily.     Also, A deleted account for {$2500.00} for  XXXX  reappeared even after the first dispute, they could n't verify the debt and it was  deleted.now it  reappeared thru same collection agency even tho they did n't verify debt in 30 days as stated in FCRA.
i paid the card off the bank froze the account let it completely max out then gave it to XXXX collection agency. if they wamted the money then why did they stop me from paying them?
SYNCB/JC PENNEY DC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have contacted both SYNCB/JC PENNEY DC and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. The last communication was the following letter. To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$4800.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some  contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online
The biller of my student loan is Navient. I have a large loan from XXXX of approximately {$120000.00}. When I tried to pay extra online, they absolutely refuse to let me pay toward principal. I can not find a way to have the extra amount apply in this fashion to further reduce my overall debt. I could not figure out why I had been paying extra, but it was not making much of a difference. I now see that my extra payment has been applied first toward fees, then interest, and finally principal. I was able to consolidate with another company ( XXXX ) at a lower interest rate and they let me pay toward principal. But, I have been paying all this time and have barely made a dent in my loan! I graduated from XXXX in 1997 and still have $ XXXX in student loan debt! I saw that you are suing Navient and wanted you to have this information.
Navient continues to contact my co-signer and me several times per day at least 2 - 3 times a week. I have reported them to the XXXX as well as asked them to stop calling so often. They will even call from different numbers starting as early as XXXX. and " ending '' ( if you will ) as late as XXXX. I know that I 've been late but it appears that very often the late charges increase the pay-off so it 's difficult to get ahead. However, the harassment and constant phone calls must stop.
I have been trying to sell my home for 4 years now with no happy resolution. My home loan was through XXXX XXXX XXXX who constantly told me they were missing paperwork for my short sale package. My loan was bought by another company, Selene Finance. After they approved my short sale, I had a buyer. We were due to close the selling of the house for months as Selene kept delaying the final paperwork. After six months, the buyers walked away. They, and I were overly frustrated that the closing paperwork kept getting delayed. Here I am, an XXXX service member XXXX and I own a property that I ca n't afford. My credit is taking a huge hit and I 'm overwhelmed with trying to sell my home and support my family.
I have appealed the denial of my loan modification with additional documentation and I even received an email confirmation from my single point of contact ( SPOC ) that Wells Fargo received my loan modification appeal with exhibits on XXXX XXXX, 2015, and yet I received a different letter dated XXXX XXXX, 2015 from that same SPOC that Wells Fargo received my loan modification appeal WITHOUT any additional documents. These boilerplate letters must stop and this intentional failure to consider additional documentation is exactly what Wells Fargo has been doing for years, despite the multi-billion dollar settlements and agreements not to intentionally lose documentation. 
Additionally, Wells Fargo Bank is attempting to collect a debt in violation of both TILA and RESPA, in accordance with Section 131 ( f ) of the Truth-in-Lending Act, 15 U.S.C. Section 1641 ( f ), and the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) and FDCPA pursuant to 15 U.S.C. 1692 to 1692p. ( See Attached QWR and TILA Demands to Wells Fargo Bank , N.A . ) Wells Fargo Bank must comply with my already served TILA and RESPA demands in order for me to effectively appeal the denial of my loan modification request as Wells Fargo Bank has issued a boilerplate " Proprietary Step Rate Modification '' denial letter without any details from which to understand the basis of their said denial, nor do they provide any documentation to validate that Wells Fargo Bank , N.A . actually owns the debt. 
Specifically, I am in dispute as to the identity of the true owner of this debt ( if any ) Wells Fargo Bank 's authority and capacity ( if any ) to collect on behalf of the same. I am also in dispute about the proper application of payments from the debtor to interest, principal, escrow advances and expenses ( in that order of priority as provided for in the loan instruments ) ; about Wells Fargo Bank 's use of automatically triggered property inspections and broker price opinion charges and fees based on undisclosed accounting for purported arrears ; and about legal fees and expenses that have been attached to my account but that have not been otherwise explained, disclosed, or established to myself. 
To independently validate this debt, I need to conduct a complete exam, audit, review and accounting of this mortgage account from its inception through the present date. I would like Wells Fargo Bank to validate this debt so that it is accurate to the penny. 
I also request that the Consumer Finance Protection Bureau kindly conduct its own investigation and audit of this account since its inception to validate the debt Wells Fargo bank currently claims I owe them as Wells Fargo Bank has blatantly violated the CFPB 's rules and regulations.
I was awarded the TEACH Grant while obtaining my XXXX in education from XXXX. The grant is worth {$8000.00}. Due to the TEACH Grant people saying they did n't receive the paperwork I filled out, which I have copies of. My grant was converted to a loan, serviced by FedLoan Servicing. I have been trying for XXXX years to get the grant converted back into a loan, but I am always given the same response that if my agreement to serve is not fulfilled, the grant converts to a loan. 
My tax refund has been garnished, and now my wages are being garnished. This is causing financial strain on my family, and stress on my marriage. I am still trying to figure out what the next steps are to have this loan converted back into the grant.
We obtained a reverse mortgage thru liberty home solutions. For the mortgage the lien was to include our home and XXXX acres. We also have XXXX acres that is ajacent to our home. When the lien was recorded it was placed on our home and the XXXX acres. The co.has admitted the error and told us the would rectify the problem, It would take no more than 6 weeks. We started this process XXXX. We were in contact with XXXX XXXX XXXX at XXXX XXXX XXXX she was the only person that could handle our account XXXX she said 6 weeks total time to finish. We called here every week to check on progress and all she would say is it is on somones desk and she can not call them as she has no phone number for the co.only an email address. after 8 weeks she refused to talk to us. We were able to contact XXXX XXXX at annother office and she was able to put us in contact with XXXX XXXX who told us he could take care of the problem that was three weeks ago.The first week he called and said he needed the legal descrlption of the property. He the called and said he had someone, a title company to fix the error. A couple cays later we called him and he said that they would not fix it.Last friday XXXX he called and said he had a new title co.that was going to fix the error. He said he would call us on monday XXXX but as usual he did not call us and will not call us back. We had our properyt the XXXX acres sold and they were supposed to close on XXXX the buyer is doing a XXXX land exchange and stands to be penalized XXXX if this sale is not completed by a certain date on XXXX. We are now at a standstill no one will talk to us they wont return our calls or take their phone when we call. We leave messages but they dont call us back. We need them to release the lien on our XXXX acres and have the lien on our home and XXXX acres as it was supposed to be. The company is now named XXXX XXXX XXXX XXXX XXXX XXXX XXXX
ACS in XXXX NY has been handling my loans for a long time. They currently will not take my phone calls, and their head manager will not return my calls. They refuse to cooperate or speak to me, take my payment over the phone, or assist me in any way. My deferrment period has run out, due to the misinformation, lies, or lack of knowledge of their call center staff. Its like they have hired it out to some foriegn country and/or individuals who are untrained, unaware, or under pressure to terminate loans. I am confident it is their fault that I am in this position. For years I have been asking them on numerous occassions for information about a low payment loan to repay my loans or a govt loan to repay them. I am always told that no such loan exists, they have no idea what Im talking about, and know of nowhere to refer me. As it turns out, the loan I was referring to is called an IBR, which is supposed to be offerred by their services, which I couldnt figure out, and asked for their help. I received it by chance, several years ago by one staff member who was really helpful, but I didnt understand it or where it came from, and was given no explanation or renewal process to keep it going. Of course I would have preferred to have this loan paying down my loan amount! However, I didnt know it was available, and the call center staff declared no knowledge of any such thing. Consequently, I only knew to defer my loan, which seemed the only relief, since I do not have the funds to make the huge payments. Finally the supervising manager helped me to apply for the IBR, when I appealed to her, but I was assessed a full payment of over XXXX XXXX dollars -- in the meantime, which I can not afford. I have been approved for the IBR now, which I finally understand and am thankful for, which is at low reasonable payments, but they are assessing me in default because I can not make that one huge payment that they leveled on me between the time I applied -- to when it was approved, which was several weeks. Its not fair : what has been done to me or the way I am being treated.
I have a current loan with Wells Fargo Auto loans that was opened in 2015. I borrowed XXXX. However on my credit report it now shows I owe XXXX. This has affected my scores greatly and want Wells Fargo to pay restitution for inaccurate amount. It appears I am in the negative with my loan and installment payments. This has affected my financial status and scores! I actually only owe XXXX!!!!!!!!!!!!
I had closed a rental account XXXX XXXX on XX/XX/XXXX the company report on XX/XX/XXXX the account is still open, I contact them on that day and the correction was made and reported on XX/XX/XXXX. I contact XXXX and Transunion about the matter to dispute the error, to the day Transunion have not send my a report they actually got the removal alert and removed the account later to replace it. On XX/XX/XXXX the account and inquires was removed to only reappear on XX/XX/XXXX also the exact same thing with XXXX. On XX/XX/XXXX I contact XXXX about some many types of errors that was accurring on my report from inquires that have been removed then back on to accounts closed and removed to reappear, address that I never seen nor lived, my name being removed and added back. As a victim of ID theft I have lost so much faith in the credit reporting XXXX, Transunion and XXXX are crocked and scamming great americans how they are reporting, they make you believe its the company reporting I go after the lender first before even contacting them, I been fighting with thes BIG BOSSES for over three months and have gotten no where, next thing coming is to take my saving a hire a lawyer.
Equifax was hacked, and investigated the incident for several months without notifying consumers. They are now using this large identity theft incident to market their fraud alert program.
My Bank of America credit card information was stolen and I do n't know when. But my card was charged overseas in the amount of {$60000.00} plus starting in XXXX, 2016. I have been talking with BOA since then and at first they credited my account but then they said I have to pay these charges. I have never been to these countries in my life so I am not sure how this information was stolen. I have all my corespondence with BOA and was wondering if you can guide me in some direction.
Coerced me to bring credit card current and took a promise to pay and closed my card the day before my payment is posted
Sears Credit Cards is charging 21.99 % APR and this is excessive in light of todays interest rates. I pay between 14 % to 16 % on all my other credit cards and I think this is userous and predatory and unethical for them to be charging this much in interest. I pay {$53.00} per month in interest on a balance of only {$3300.00} so when I may a payment of {$100.00} which is greater than the minimum I still am paying over 50 % of the payment in interest, This is just unfair.
I have XXXX accounts with XXXX that are over seven years old are are still being reported by the credit bureaus despite many protests.
Despite my previous mail correspondence, Mohela has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California Attorney General 's office. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

INCORRECT TRADELINES : 1. XXXX/Mohela -- Ac # XXXX ... This item is inaccurate because the creditor nor XXXX XXXX XXXX furnished proof that this debt was late. I am requesting that this information be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report.
AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Account number XXXX Date opened : XX/XX/XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Paid, Closed. <P/>AMEX has reported negatively on all four credit bureaus preventing me from obtaining any credit, since I filed a complaint against them with CFPB in XX/XX/XXXX. AMEX has already reported my {$0.00} balance on both accounts earlier this year, but never with a negative remark until now, as if my two accounts were active. XXXX, XXXX XXXX, and XXXX XXXX have confirmed they would not give me credit due to AMEX 's negative notes. I have their telephone numbers and they can confirm my statement is true.

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AMEX has reported to all four credit bureaus that I failed to pay them as of XX/XX/XXXX. It appears they are trying to keep these two, 15 year old charge offs as a current, surpassing the 7 year limit according to the FRCA by any illegal means possible. <P/>Both accounts have been closed and delinquent since XX/XX/XXXX, but they have reported this differently on my credit file, so they can have an affect on my credit surpassing 15+ years. <P/>The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. prepared by the Federal Trade Commission : this is the law that gives you access to your credit file, allows you to dispute errors on your credit report ( s ), and limits the reporting of negative information to 7 years ( 10 years if were talking bankruptcy more info here. ) AMEX has broken the FCRA! Please have them remove these two delinquent charges off from all four credit bureaus ( XXXX, XXXX, XXXX, and XXXX ). <P/>Please have AMEX remove both accounts off all four credit bureaus and send me a letter as conformation. <P/>Enclosed in my previous credit report from XX/XX/XXXX to XX/XX/XXXX, and please review the difference their recent negative notation reported on XX/XX/XXXX -- on all four credit bureaus. <P/>Sincerely, XXXX XXXX XXXX
I purchased merchandise at Macy 's website in XX/XX/XXXX and earned Macy 's money. 
I used the Macy 's money to purchase merchandise. I returned a coat which I paid {$19.00} in XX/XX/XXXX. Macy 's only refunded me {$9.00} claiming it withheld {$10.00} for the Macy 's money I used. I returned the merchandise which was bought by using Macy 's money and my credit card on XX/XX/XXXX. The return is {$35.00}. 

Macy 's has not refunded the money to me after it received the returned product.
I deposited XXXX into a college fund for my son. The college fund comes with a credit card The card was a " XXXX XXXX '' XXXX College Rewards - American Express. 
With XXXX or 2 % cash back deposit into the XXXX plan. 
The card was tied to XXXX XXXX XXXX which can be accessed via XXXX The service was horrible. There was no bills, there was no way to pay the bill except by mailing a check to a very hard to find address. 
Lately the card management passed to XXXX. After this, they started charging extra fees, and reporting me for missed payments with out notifying me that their policy regarding missed payments changed. Prior to this I would make payments at my leisure every XXXX to two months. 
Lately they demoted my credit from XXXX to XXXX. I am pretty sure that they dropped my credit score by at least XXXX points. Never get XXXX XXXX.
A state tax lien that has been paid and released from 2010 has not been removed from my credit report. It has been removed from my XXXX Credit report but not TransUnion. 
I have called TransUnion, The XXXX County Recorder, & The California state Franchise Tax Board. They all say they cant help me and tell me and point me in the direction of the other.
I was offered a promotional APR of 0 % interest on balance transfers and convience checks that expired on XXXX XXXX, 2015. On XXXX XXXX, I called USAA customer service to process XXXX balance transfers and was told my account was locked and I would have to call back in 24hrs to process the transfers. I called back to USAA 's customer service to process XXXX balance transfers on XXXX XXXX and spoke to a represenitive about the offer and was told that that day XXXX XXXX was the last day to take advantage of the offer. I gave her my first account number to a XXXX and XXXX credit account. The represenitive was unable to get the account to be rcognized by the sysytem and suggested that I write a convience check to myself to cover the balance and pay the account myself. The XXXX account was recognized by the sysytem and was processed that day. I was asked if I had any other accounts and after declining, the call ended. On XXXX XXXX, I noticed a finance charge on my account for balance transfers. I called USAA on the next business day and was told that I was charged due to the balance transfer not posting to my account by the end of the promotion period. I was told the check that was written was under the promotion, but not the account that was processed on the XXXX as a balance transfer. I asked why the person I spoke with did not explain this to me and was told that they were unsure as to why. I then asked why the previous customer service rep. did not just advise me to write a check for the amount of XXXX transfers instead of the XXXX and received the same " Unsure '' response. I feel that I was mislead into believe that the balances I transfered over to USAA would be covered under the promotion offered to me, especially since I was speaking to a customer service agent from the company. I then inquired about just paying off the amount that was not under the promotion and was told, I could not do that without paying off the entire balance of the card. I do not understand why I can not specify what balance is paid after I make the minimum payment.