WillisBack/dataset-financial-user-claim huggingface dataset:
On the XX/XX/XXXX, I logged onto the Wells Fargo website to make my XX/XX/XXXX payment. I made my payment as I always do. When I logged in XX/XX/XXXX to make my XX/XX/XXXX payment the site said that I was do for the XX/XX/XXXX payment. I called Wells Fargo and asked them what happened why did they not process my payment? They said they would do an investigation and let me know the result. They have now just told me that they did not see any errors? I always pay my account online with them and i have never had any late payments. I always make sure that I never pay beyond the 30 day period as I need to protect my credit. My credit is perfect, I have no lates at all, my Fico score was nearly 800. I just found out that Wells Fargo have now reported me as having had a 30 day late, I checked my credit and my score has dropped to XXXX. They have caused me financial harm. 
I asked them to correct this and withdraw the late report they have sent to the credit bureaus. They are saying they will not. Of course even their records indicate I am up to date with them since both the XX/XX/XXXX, XX/XX/XXXX payments have been made. This 30 day late they have reported took place through no fault of mine, why the payment did not process I have no idea why. I will be happy to send you a copy of my credit report which shows that I have perfect credit to prove that I never pay late. 
I very much appreciate your help in resolving this matter.
XX/XX/18- XXXX XXXX in XXXX , OH charged my card for my stay. This charge was held in pending status for 5 days so I called the credit card company on XX/XX/18, XXXX XXXX, and asked why it wasn't posting to my account. I need the charge to post to my account so I can submit it to my company for reimbursement. The credit card company- Synchrony- told me that the expiration date was not correct on the charge the hotel made. Mind you, 1 ) the hotel got an approval code for the charge 2 ) I've been using this card with the old expiration date for at least two months and they never stopped the payment from processing before ( the new card has the same account and a new expiration date only- I didn't realize the hotel did not have the updated information because they charges kept going through ). They told me, and I quote, " this charge will never post. '' I was advised to contact the hotel and tell them to reverse the charge and resubmit it with the correct expiration date- which I did. The hotel immediately processed a credit ( on XX/XX/18 ) and submitted and a new charge. Immediately after that, Synchrony posted the original charge so now I have two on my account! I've sent three emails to Synchrony- the first one has the attached credit and new charge documentation from the hotel with it. Instead of realizing their own mistake, they are treating this as a disputed charge and holding my credit hostage for up to two billing cycles! I did what they asked, they did what they said they would not do ( post a charge that they said they could not accept ), and now my account is a mess and I can not use it. This is the card I use for travel with my company. I have to start using another card because this one is now maxed out due to their error.
XX/XX/XXXX, I sent my first email after a phone call with a representative at NCC Business.  They have not been responsive and never assist me when I call. I am always told that I will be transferred to the person handling my " case '' and I only get the voicemail. Many times I call and the call is disconnected after a long wait time. 

I have been trying to resolve this error because they have placed an invalid collection on my credit with all three bureaus and have done nothing to verify this information for me. 

I have disputed this case with them and have begun the dispute with the credit bureaus. This is my final attempt at resolving this issue.
My friends and family members are regularly receiving calls from " XXXX '' stating they were contracted out by " location services '' to collect my debt on the behalf of a payday loan that has been satisfied for years. 

They tell my friends and family members that I have a pending case against me and will be going to jail. 

When I call the number they furnish, they say they make no outgoing calls but refuse to give me their full name/address/etc ... all they ask for is my credit card and checking info. then I am threatened with a lawsuit and hung up on. 

I need them to stop calling friends and family members.
My daughter and I borrowed money from Sallie Mae to cover tuition for XXXX semesters at the University XXXX. The checks were written to the University and endorsed by my daughter. XXXX of these loans are now being handled by XXXX, which I do n't totally understand. We are trying to consolidate these loans and hopefully negotiate a lower interest rate. There are institutions that are willing to help but claim that if the loans do not show up in the XXXX XXXX XXXX XXXX ( XXXX ) they can not help us. I do not understand how money that was borrowed from the Federal Government and used strictly for tuition is not considered a Federal Student Loan.
I am beyond exhausted with all my efforts to resolve this matter with ability recovery services for a # of months Ive been back and forth trying to find a solution to have this account remove off my consumer report. I have no response back from any of my corresponders within all departments. Ive been advised by my attorney to file a suit and sue for for damages that Im entitled to under the FCRA. I prefer to work directly with this company in resolving this issue that will result in removal of this account off my consumer report. I have no choice but to sue should I find no response once more after this complaint, this is my final attempt. I will therefore move forward with my supporting document. Ability recovery services has this account # on this report that I have absolutely no knowledge of. This has been a complete devastation to my entire family and myself due to fact this has held up an entire mortgage process having us nearly homeless. Please assist me in the aggressive removing of this account.
I am the LEGAL DURABLE POWER OF ATTORNEY for my mother and have this documented with PNC bank where my mom had a revolving equity loan line of credit. My mother had a XXXX last year.I had complained to CFPB about national City/PNC harassing myself and mom with sending statements to her and she was very upset. It was also upsetting me and I am very XXXX. My husband who is a XXXX veteran was also upset. I got a letter stating that they would stop. I, my husband and My mother was not to be upset. She is XXXX & widowed with a XXXX XXXX. I am XXXX XXXX and also have several medical problems and can not be upset. I was hospitalized with XXXX XX/XX/2016 shortly after receiving another statement. The statements continue.
Hello, I Received one letter from XXXX XXXX XXXX at the end of XX/XX/XXXX states the Mortgage is transferred a month ago, to XXXX XXXX XXXX from previous lenders : XXXX XXXX XXXX In the letter sent by XXXX XXXX XXXX the principal Balance of the loan is : {$340.00} of which is not matched. On XX/XX/XXXX, my principal home loan was XXXX as recorded by XXXX XXXX XXXX lenders. 
Also, one payment dated XX/XX/XXXX for XXXX is posted for a loan payment, Since XXXX XXXX XXXX [ ownership ] assign to XXXX XXXX XXXX as a new servicer supposedly is posted in their account number : XXXX. 
In advance I am attaching a document from my exiting modification on XX/XX/XXXX from XXXX XXXX XXXX Also, a history of the recently Payment made to the previous servicers including statements from them [ XXXX XXXX XXXX and XXXX XXXX XXXX
I first checked the Equifax breach information right after the breach happened and was told that my information was NOT part of the data that may have been compromised. That was in XX/XX/2017. I had received several letters of declined credit cards and acceptance for financial products/services ie credit card and online credit for retail products online. I contacted Equifax and they asked a bunch of security questions about some very detailed information that I did not have. It took me hours to get someone to just listen to the questions I was asking and it took three different calls to get them to place a hold on my account and to let me know I had that hold on the account. They also suggested that I purchase one of their other services when I was online trying to do this and I do not want to do business with them, I just want them to listen and help me straighten this situation out.
I have the American Express Delta Reserve SkyMiles credit card. XXXX of the features of the card is bonus miles ( rewards ) after spending a certain amount with that card within a calendar year. A few days before XX/XX/2016 ended I called an AMEX representative to find out exactly how much more I needed to spend in order to meet that bonus requirement. I was told that I needed to spend about {$300.00} more ( I ca n't remember the exact number ). I went ahead and spent {$330.00} to be safe. After the year closed I did n't get my bonus, I called to find out why. I was told that it was because I did n't meet my spend requirement. They told me I was {$100.00} short. 
I was told inaccurate information by a representative and as a result fell short of my spend requirement. I made a complaint with AMEX and was told that they will honor the bonus due to the result of their investigation. It has now been over a month and I still have n't received anything. When I call customer service they tell me that " they are still investigating the case ''. It has now been close to two months with no resolution.
This company has failed to remove fraudulent information from my report even after The original creditor has removed it from its records. What's more surprising is that this company requested fraud proof and proof of deletion by the original creditor, which I duly sent to them on XXXX18. But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. I am a victim of identity theft. This report is to document compromise of my personal information. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : XXXX XXXX XXXX This letter is a direct confirmation that I want this account deleted, I have enclosed proof of deletion by the original creditor ( XXXX XXXX ), a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 

Attached : 1.My Original creditor ( XXXX XXXX  ) proof of deletion 2. My police report 3. My FTC report 4. My Small claim form
I called Freedom Mortgage on XX/XX/19. I made it extremely clear that I wanted to pay {$25000.00} to principal only. I know the call was recorded and I reconfirmed that it was for principal only. However, instead of applying the full {$25000.00} to principal, only {$19000.00} was applied to principal on XX/XX/19, and the remainder was applied to two extra regular monthly payments. On XX/XX/19, I received a physical letter in the mail, dated as of XX/XX/19, telling me that Freedom Mortgage was transferring my loan on XX/XX/19. Therefore, it seems as if Freedom Mortgage blatantly collected two extra interest payments against my wishes, and in turn, hoped to flip the mortgage to a different servicer before I noticed the error. I can't imagine this is legal in any way. 

I'm not exactly sure what legal recourse/ability I have to file a proper complaint, but if I would not have been diligent in my record keeping, it would have been monetarily detrimental to me and a benefit for Freedom Mortgage. 

Please find the attached screenshot of my Freedom Mortgage account as of XX/XX/19 that notates the incorrect application of principal along with the reversals after I discovered the error. I also attached the notice of transfer.
I authorized a Post -dated check to run on XXXX/XXXX/15 for {$940.00} using my savings account. I noticed that this payment never was processed thru my bank account. I was told by my bank that if the account is coded checking account and not saving account that the payment will not process. So the payment of {$940.00} was not coded savings. So since I did n't see the payment go thru, I transferred the money from my savings account to my checking account and did a payment via your website for {$920.00} on XXXX/XXXX/15 confirmation # XXXX that is the amount your website was showing was due. I just received a letter dated XXXX/XXXX/15 stating that the payment I originally gave for {$940.00} dated XXXX was returned. That is incorrect. That payment was made on XXXX/XXXX/15. This was clearly a coding issue not me not being able to make the payment. You have now reported my being 30 days past due. The payment was scheduled on the XXXX day which my credit report should n't have been hit with a 30 day late. I filed a dispute with the mortgage company who said that they will not remove the 30 day because I would have to replace the payment in the same month. This was a coding issue, and the payment was made on the XXXX. I had no knowledge that this was going to happen. How could I have replaced it. I have also attached a letter from my Bank stating the fact. Also Carrington has n't updated my credit report since XXXX and this is affecting my credit rating. I have attached my credit report as well. Also they have stated in there letter that " If a payment is reversed for non sufficient funds ( NFS ) and the replacement is not made in the month that the payment was due, the payment may be reported negativity. I do n't show that anywhere or have I ever in my years in banking known that the payment has to be made in the same month.
I pay for credit report access from Experian. They reported my score as  XXXX . I requested a loan and they reported an experian score of  XXXX . My bank offers free  credit score inf ormation. It said my  XXXX   XXXX  score was  XXXX ,  XXXX   XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.
In short, my home was foreclosed upon due to a divorce where my ex-wife would not sign any documents related to the foreclosed home. I understand that the mortgage company is not responsible for that. Regardless, of the circumstance, the foreclosure falls on me. The court proceedings for the foreclosure were concluded over two years ago ( XXXX/XXXX/XXXX, Court Case # XXXX, XXXX XXXX ( MD ) XXXX XXXX ). The property was transferred to Wells Fargo on XXXX/XXXX/XXXX ( according to XXXX Property records ). The property was then transferred to HUD on XXXX/XXXX/XXXX ( according to MD Property records ). Wells-Fargo has left the foreclosure as open and active all this time. Their contention is that the foreclosure was not final until they improved the house for HUD to accept. I know that the house was not in the shape that it should take two years to rehabilitate to living condition. I do not believe that I should have to wait all this time for Wells-Fargo to make what little improvements were necessary for HUD to accept the home. Additionally, the house was conferred to HUD in XXXX of XXXX. Yet, the foreclosure remains open and the account is being reported to the Credit Bureaus as being delinquent.
I have an old paypal account on my credit report that I do n't know why it is there and want it removed. I have a PayPal account in good standing
I personally called XXXX XXXX the first week of XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/XXXX I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/XXXX I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX on all the stress they put us all trough
all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full. 
XXXX XXXX XXXX XXXX XXXX  - available : XXXX XXXX XXXX XXXX XXXX XXXX  -available : {$10000.00} XXXX XXXX XXXX XXXX - available : {$8900.00} XXXX XXXX XXXX- available : {$9000.00} XXXX XXXX- available : {$5200.00} XXXX XXXX XXXX-available : {$1000.00} XXXX XXXX-available : {$6000.00} XXXX XXXX available XXXX Please help me
I believe that American Express is conducting a form of wire fraud. I have an American Express credit card. I used this card to purchase a XXXX. At my home number, I received a message on my home answering machine from the AmEx Fraud Prevention department saying that I had to call the XXXX number on the back of the card and report that I had received the devices and was satisfied, before AmEx would pay the merchant. I made that call on XXXX XXXX. The merchant reported no payment. I called AmEx again, and we reassured " that your account was charged on XXXX XXXX. '' Merchant was still not paid. I called AmEx yet again ( this time to a number that the merchant told me that they had been told by AmEx that I had to call ... a different number than the one originally left on my home message machine. I called that number and was again told that my card was charged on XXXX XXXX. As of today, the merchant reports that they have still not been paid. 

In other words, AmEx is apparently debiting my account for the full amount of the charge ( and will be expecting me to pay them as soon as my bill arrives ) but AmEx is NOT paying the merchant ... living off the float. And the message they left on my home message machine told me that I had to call the phone number on the back of my credit card in order to have the payment released. They told the merchant that I had to call a different number. This " looks like '' to my eye, a prearranged scheme that causes delay and makes it virtually impossible to get the payment released to the merchant. If they are doing this to just a few XXXX of their customers, they must be effectively " borrowing '' many XXXX dollars from their customers and not fulfilling their customer or their merchant agreements. In my opinion, inasmuch as AmEx is using interstate wire services to accomplish this, this appears to me to be federal wire fraud. I 'd like this fixed.
I initiated a *Same day* international bank wire. It was not received by my intended recipient. 
Bank of America sent me the following message but they never notified me of any problem : We have successfully sent the following transfer : ********************************************* Confirmation # : XXXX XXXX number : XXXX Amount : {$7900.00} Fee : XXXX Send on Date : XX/XX/2018 Service : International Transfer status : Complete ********************************************* If there is a problem with executing your request, we will notify you both by email and on the Manage Accounts tab. You can always check your transfer status on the Review Transfer screen at www.bankofamerica.com. 

Sincerely, Member Service www.bankofamerica.com
Regions Bank refuses to confirm the date I can expect to receive the XXXX they " XXXX '' confirmed that I qualified for after being asked numerous times to do so. If I have indeed met all the terms, then it should be easy to see on their end when I can expect to receive the bonus.
XXXX, Trans Union, and XXXX continues to allow XXXX XXXX also known as XXXX XXXX XXXX XXXX to continue to keep a medical bill on my credit after it was paid to XXXX XXXX XXXX. ( XXXX ). The original company failed to Bill my secondary insurance. XXXX XXXX. Please see attached proof I had XXXX. XXXX, Trans Union, and XXXX has also failed to prove to me how they are verifying the following account. XXXX XXXX has also failed to send validation of this bill to me. Which is a violation of the FCRA. Please see attached information from previous complaints from the Better Business Bureau, where XXXX XXXX from XXXX XXXX admitted they received a phone call from my primary insurance XXXX, stating that the was sending additional payment. A check in the amount of {$1000.00} with Mail to XXXX XXXX XXXX XXXX 2017. BUT THIS BILL IS STILL UNPAID ON MY CREDIT, again this is A VOLATION OF THE FCRA. The FCRA also prohibits any account staying on the credit file if there'sreason to believe the item is being reported in accurately.. Please Please Read All of the following attached information. I 've been trying to fix this issue with XXXX XXXX. This was a hospital/doctors office billing insurance billing error and should 've never made it to my credit file..
XXXX received a final payment from me after cancelling service. This is reflected in received statement. XXXX claimed they returned payment to issue new final balance. I never received alleged return payment and called to resolve. A man name XXXX allegedly resolved issue and emailed me stating such. This resolve did not include return of over payment. I received another request for payment and called to resolve. Now XXXX claims they never received payment and told me to resolve with bank. I told them I payed and had proof. They wanted me speak to a different rep but they would n't make an appointment. This is now the 7th collection agency.
XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would post within a day or  two, but  then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporting company, t hat one of my payments had been listed as default of 30 or more days. I find it extremely odd that they would wait until a year or more later to change m y credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected
XXXX Capital Management contacted me on XXXX. They threatened legal action ( XXXX XXXX ) and when I offered a settlement, once they send verification of debt, they told me I was insane. I asked them to stop communication with me, and that I would deal with XXXX, the supposed creditor. On XXXX XXXX, I received a letter from XXXX again demanding payment, this time stating that I had made payment arrangements with them, which i did not. When I called to tell them I had done no such thing, and neither they nor XXXX had provided debt verification, the person stated that he would end the conversation, and ended the call.
There is an account listed from XXXX XXXX XXXX which has an inaccurate late payment remark, all my accounts have always been paid as agreed. Please correct this issue ASAP and see attached