WillisBack/dataset-financial-user-claim huggingface dataset:
I was erroneously charged multiple fees to my   XXXX   XXXX   store card account beginning in  XX/XX/XXXX  ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my   XXXX   XXXX    account in  XX/XX/XXXX , or at least I was under the impression that I had paid off my account ; however, due to   XXXX   XXXX   billing cycle, I had a remaining balance of {$3.00} that was paid on  XX/XX/XXXX . The first fee I incurred was on  XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On  XX/XX/XXXX , I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On  XX/XX/XXXX  I was charged another late payment fee in the amount of {$37.00}, and on  XX/XX/XXXX , a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees.
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I was finally notified the week of  XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On  XX/XX/XXXX  I called   XXXX   XXXX   store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the   XXXX   credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to   XXXX   XXXX   reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.
In XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large XXXX XXXX  and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX firm that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to XXXX XXXX about this and they basically told me tough cookie. I defaulted on the loan in XXXX and have never looked back. In XXXX they sold the debt to XXXX. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.
I am trying to clear up my credit, I called to pay off the principle of my debt and asked if I could make a payment to pay off the balance less then interest, I was advised they could not waive the interest and I then requested to just pay off the principle today to stop accruing the interest on the accounts and I would call back at a later time to discuss the interest or contact the client directly about the interest accrued. They told me that if I paid on the account to day and it wasn't the full amount they are asking for then they could not promise I would pay off my assigned balance but that they " sprinkle '' payments towards interest and principle. 

I called the company that originated the debt from and they refused to take my payment of principle over the phone. They advised me that when they forward to collections you have to work with them only. I asked, what if I mail in a payment are you going to return my check to me? They responded that if you mail it in then they will actually post to the account.
My student loan was moved from XXXX to your UHEAA company. It was placed in forbearance for some time, then was paid at XXXX $ / month since my marriage in XX/XX/XXXX. By your policy I was to receive bill notifications, but the last received was XXXX XXXX. The email on file was validated as correct. Notifications are not present in my email nor spam nor trash folders. Yesterday, our checking account was debited the remaining XXXX without notice, overdrawing our account just prior to our mortgage payment. Complaint to your customer representatives ( XXXX, and XXXX other ) was met with policy statement of 60 days to return erroneous withdrawals. My bank takes 10 to 45 days to process unauthorized transactions, and decline of payment takes 30 to 45 days. All effort to persuade your representatives that your offical error correction policy is utterly inadequate to this specific situation was unsuccessful. It was made clear, by your policy, that our ability to pay our mortgage and other bills, and our credit rating, are inconsequential to your company 's adherence to a policy of taking 2 months to correct an error. 
As this is utterly unacceptable by any standard, this situation is being forwarded to the Consumer Financial Protection Bureau. 

XXXX XXXX
In my credit report accounts are reported that I do not recognize, Porfolio recovery # XXXX I do not have an account with them XXXX # XXXX I do not have an open account with them. XXXX XXXX # XXXX I do not have an account with them. Also requests for credit that I have not made XXXX-2017 XXXX XXXX, XXXX-2017 XXXX / clear I need to not mix in my credit report someone else 's information and addresses.
In XXXX of XXXX, my wife and I were pre-qualified by Wells Fargo Mortgage to purchase a home in the amount of XXXX. We placed an offer on a new construction home which had been on the market for 6 months. During the negotiations, we asked the builder to throw in a fence and we would offer XXXX. The builder ( XXXX XXXX in XXXX Alabama ) said he would put the fence up, however, my wife and I would have to pay XXXX ( above our Ernest money ) which would come back to us in closing. However, if we BACKED out of the loan ( this is key ) we would NOT get our money back. Three days before closing, Wells Fargo called us and told us they could not write the loan. When we contacted the builder ( as we DID NOT back out, the bank messed this up ) they said they would give us only till XXXX XXXX XXXX to purchase a home from them and they would apply the XXXX to that home. Who would want to purchase a home from a shady place like that knowing we had nothing to do with what happened? So, we called Wells Fargo for replacement of the XXXX they told us in not so many words, it was our loss even though we were completely mis-lead from the prequalified letter to the whole work up to closing. 
My wife and I are both XXXX 's. When we applied for the loan we were both XXXX XXXX with XXXX XXXX and told our mortgage officer XXXX XXXX in XXXX Alabama that we were leaving the XXXX XXXX and coming back home permanently. She was fully aware and we got taken for XXXX and Wells Fargo refused to make it right. 
Please help! I was unaware of the CFPB till seeing a report on a Sunday Morning program today! 

Please contact me if more information needed. 

We spoke with a man at Wells Fargo in their consumer division named XXXX XXXX ( XXXX ) XXXX XXXX XXXX Wells Fargo XXXX XXXX ( XXXX ) XXXX Office ( XXXX ) XXXX Cell
I enrolled in XXXX for XXXX term in 2010. I was told by the financial aid counselor at the time that I could use federal student aid to cover the cost of class. After classes began there was a delay in processing my student aid and so my student account was placed in negative status. After continued contact between myself and my counselor I was able to correct the issue and the money was dispersed to the University. It was at this time I was told they would not be able to use federal funds, and that I would have to cover the costs out of pocket. This after the term was actually over and I received a final grade for the course. After informing them I would be unable to as I was unemployed at the time, which was the reason for using federal aid in the first place, I was told that if I did not the account would be placed in collections and reflected in my credit report. This has been the case ever since.
A Debt Collector, Convergent Outsourcing, is reporting to credit agencies that I owe " XXXX '' {$2900.00}. I never had an account with XXXX, nor have received any communication from Convergent Outsourcing. Upon calling Convergent Outsourcing at ( XXXX ) XXXX, the phone number they listed on my credit reports, and provided them with the account number they reported on those reports, XXXX, Convergent Outsourcing said they could not locate my account, and the number provided was wrong. I also called XXXX at XXXX, and they said that the account number was not even the correct number of digits, and that they do n't have any account under my name. I never received any letters or calls from either Convergent Outsourcing or XXXX leading up to this. Thank you in advance for your assistance.
I went to XXXX to retrieve my federally required free annual credit reports from the big XXXX. I received my XXXX and XXXX reports but received a notice stating " a condition exists that prevents Experian from being able to accept your request at this time '' could this condition be the fact that the last time I could n't get my experian report I filed a CFPB complaint and they are retaliating? The last time I could n't recieve my report was because information in my credit report was incorrect ( and still is because they do n't offer a way to dispute wrong addresses ) I have never ever ever used XXXX XXXX ca and likely never will. I demand my legal right to access to my credit report, if no action is taken to resolve the online process for me, I will take you to court for violating the FCRA.
I have a mortgage with chase. I 've have been foreclosed on twice now by chase for them making mistakes on my escrow account. Paid over {$28000.00} to get my house back for first time, and two months into payment they said I owed {$13000.00} more and had to be paid immediately or they would proceed with foreclosing process again. I 've been going back and fourth with chase bank for over 5 years now.
This is the letter XXXX wrote that says I do not own the bill because is was not turned into the insurance company in time by the doctors staff / XXXX XXXX / XXXX / XXXXXXXXXXXX. 
On XX/XX/XXXX XXXX pended the claim for XXXX XXXX for x-rays performed at XXXX XXXX XXXX for additional information. The additional information we were requesting was in reference to pre- existing condition. This information was sent to the customer since XXXX XXXX XXXX was not the ordering provider and would not be able to provide this information. Since we are showing that this information was never received from the customer, the provider then has the right to bill the customer. On the other hand if we reached out to the provider for this information and got no response as a contracted provider they would not be able to bill the customer. 
At this point the only way we can resolve this issue is if you are able to provide us with the pre- existing information we were requesting and show proof of when you originally submitted this to XXXX . This would have had to have been received by XX/XX/XXXX to be considered timely response. 
Any questions please contact XXXX customer service at XXXX confirmation # XXXX. 
Thank you and have a great day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX PA XXXX : XXXXXXXXXXXX, unpublished property of XXXX.
My loan with XXXX was sold to Loancare aka XXXX XXXX XXXX XXXX. Prior to being sold XXXX sent me a shortage statement in XX/XX/XXXX in which they added my " Special Assessment Tax '' ( SIDS ) to my loan. This increased my monthly mortgage payment by {$110.00}. This tax has never a part of my escrow/mortgage payments and I have always made these payments myself. I received no notification from XXXX that this was being added to loan. Every time I called I was told " you need a buffer in your account incase you ever go short ''. I did not actually figure out what this {$110.00} was until MONTHS went by of going round and round with XXXX. I spent over hour on phone with supervisor going through every line item. This was sent to their research department ( more waiting ) then their agent XXXX finally completed the research to remove the tax, but oddly.. they now sold my loan and could not adjust this line item off my account. 

Starting over now with Loancare..On XX/XX/XXXX, with XXXX agent on phone, we ( XXXX & I ) called Loancare together and explained that the Tax item needed to be removed from my loan. They said I needed to fax this all in to them, plus give them authorization to speak with XXXX agent. This was all done on XX/XX/XXXX. Since that point I have faxed, entered tickets, emailed, and called at least 11 times to Loancare to get this line item removed from my account. XXXX at XXXX even tried calling Loancare twice to try and help me! When I call Loancare I am told Supervisors will call me back, they never do ; I 've opened tickets that no one knows how to look at on the customer service line. I 've been hung up on, and put on hold for longer than 30mins. 

I then on XXXX I received an email that Loancare made this {$250.00} Tax disbursement payment for me. I immediately responded to that email and got an answer back that a ticket was created and someone would respond ; no one did. Loancare had since XXXX to fix this issue, with my fax and open ticket. During this time I called on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX XXXX 's. This payment was also over a month early as the payment was not due until XX/XX/XXXX. 

The Tax /SIDs payment break down like this. 
XX/XX/XXXX I paid XXXX - then Cenlar paid XXXX XX/XX/XXXX No One Paid due to credit XX/XX/XXXX Loancare paid {$250.00} on XX/XX/XXXX. 
From XX/XX/XXXX - to date I have paid over {$1100.00} for this " shortage ''. Something is very wrong! 

I can provide all the listing of dates and times, agent id 's from both XXXX & Loancare from each time I called. I also have the statement from the City showing the history of these payments for this tax and that they have ALWAYS come from me. When I called the City they told me they get calls about this all the time and 3rd Party companies are selling this information and this is how it was added to my mortgage without me knowing. 

It has been over a month since I first contact Loancare and I need help please. I can not keep sending these higher payments.
I see a lot of unauthorized card use on one of my debit cards. Starting from XX/XX/XXXX a charge at " XXXX XXXX XXXX '' up until recently a charge on XX/XX/XXXX for " XXXX ''. I also have a bunch of what looks to be overdraft fees associated with this purchase. 

My account is now in the negative due to this. How can this be possible that someone can use my money like this?
I have tried three times to get my Transunion report corrected, but each time it gets more inaccurate instead of getting fixed. In preparation to buying a house, I checked my credit report earlier this year or late XX/XX/XXXX. The only inaccuracy on my transunion report at the time was that it showed my XXXX  STUDENT LOANS as having been closed as part of the Chapter XXXX bankruptcy. This is not true. NO STUDENT LOANS WERE AFFECTED BY MY BANKRUPTCY. Im still paying them except for one which is closed because I paid it off in XX/XX/XXXX. There was a XXXX CREDIT CARD that was discharged as part of the bankruptcy but that is entirely separate from my XXXX STUDENT LOANS ( which were once serviced by XXXX aka XXXX XXXX XXXX aka XXXX aka XXXX ). I opened a dispute online with Transunion and tried to upload my supporting documents, but when I tried, the system said I had to mail them instead, which i did. The result of the dispute was that they marked the XXXX CREDIT CARD open and took off the XXXX STUDENT LOANS altogether. Neither of these items is accurate. 

In XX/XX/XXXX, I opened another dispute claim ( file # XXXX ) online. It showed an option to upload supporting documentation but, again, when I tried, it said it failed and that I would have to mail it to them, which I did via certified mail. This time, I included all of the court documenta from my bankruptcy PLUS a letter explaining PLUS my most recent account statements for my XXXX STUDENT LOANS PLUS a letter showing that in XX/XX/XXXX, my servicer changed from XXXX to XXXX. However, instead of my report getting fixed, they ignored my letter and subsequently misread or misunderstood the court documents because they incorrectly added to several more accounts the remark CHAPTER XXXX BANKRUPTCY and changed pay status to Account Included in Bankruptcy. Yes, the court documents required me to list every single debtor, but No, not all of them were discharged as part of the ruling. None of the student loans were discharged. Anyone who knows anything about student loans or bankrupties in the US should know this without having to even look at my court documents. Specifically, the following acocunts were NOT discharged or affected by my chapter XXXX bankruptcy : XXXX XXXX XXXX SYSTEM # XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX  SYSTEM # XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX SYSTEM # XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX # XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX # XXXX ( opened XX/XX/XXXX ) and my private student loans with XXXX, which are not appearing on my Transunion credit report for a reason that Im unaware of. My XXXX report shows it correctly, but my transunion does not despite three attempts this year to get it fixed. The third attempt was made last week when I called TransUnion on the phone ( XX/XX/XXXX at XXXX XXXX easterni have a recording ). It was a very frustrating call. I will gladly provide you the recording if you want it. I dont understand why they cant get this right? Do they not understand the impact it can have??
I have four voicemails from the company Weinberg Mediation GroupXXXX company stating that I will be sued if I dont pay my credit card. Which that part is true but I never received in the mail a validation of debt from them and yet they dont want to send me one because they say theyre a green company but shouldnt have I got a letter in mail legally. They have my social address and personal information and even call my mom as well. I just need this company to verify my validation of debt. It also bothers me because they have many bad reviews and seem like scammers all I want is a mailed letter not emailed bacause they sent me a validation letter through email and it also came up as spam. The company is Weinberg mediation group or XXXX as well adresss is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Toll Free : XXXX - Fax Line : XXXX Web : www.weinbergmediationgroup.com Email : XXXX I spoke with XXXX.
My fianc was involved in an auto accident that has had him out of work since XX/XX/2018 and just recently had XXXX. I have been struggling to pay both of our bills with only my own income and I have informed all mine and his creditors about this. Toledo finance has called both of our phones multiple times a day and the manager, XXXX XXXX and others that work there have left harassing, threatening calls on both of our voicemails. They have also called my job multiple times and were told on several occasions that they are not allowed to contact me at work by myself, other coworkers, and even my boss. Yesterday, XXXX called again and was very rude to my staff and was very demeaning and demanded that she talk with me. After being placed on hold, she immediately called right back and yelled at my staff. She then came up to my job while I was at lunch and demanded them to give me paperwork and that I call her back immediately or else. Due to this, I was sent home for the rest of the day when I got back from lunch. This is very unethical and unfair practice. I had already sent letters to all my creditors last week explaining again our financial situation and asking that they all be patient with me. I have been in major emotional distress and even had to seek medical attention behind this. XXXX coming to my job and disrupting my place of employment yesterday by making the harassing phone calls, just added to that distress. This needs to be stopped and she needs to learn how to have a little compassion. Prior to the accident we always paid our bills on time. I just don't feel this is right and should be stopped before I end up losing my job behind it and then I really won't be able to afford to pay anything. Thank you for your time.
I was notified by email that there would be an update to the system which occurred XXXX XXXX 2015. I checked my account after the update and my money that was previously on my card was gone. I did n't panic thinking that the update was n't over yet, so I waited until my direct deposit went through on the XXXX of that same week and to my surprise nothing, zilch, XXXX, it was then that I decided to call but was put on hold for several hours and when I could n't get through I sent several emails. I then called several other times even staying on hold for as long as XXXX only to be hung up on, and when I finally did get through no one could help me at all in fact the representative seemed to be in the dark as much as I am. Fast forward it has now been 10 days of the same thing, it is now the XXXX and nothing has been done and my money is nowhere to be found. I am extremely frustrated but it feels like I will never see my hard on money again.
Ive sent Several letters to this company over the past 3 years and advised them that the debt was not owed by me and Im XXXX and not liable. Advised them that I am exempt from collection attempts under the federal XXXX act. As of the writing of this complaint Im still receiving multiple collections calls from different untraceable numbers from this company and adverse actions on my credit file
XXXX XXXX is not reporting correctly to the Credit Bureaus. According to both XXXX and Equifax my balance is {$2100.00} with the last reporting dates XXXX XXXX. That is inaccurate because according to XXXX XXXX XXXX XXXX website my balance is {$1000.00} with the last payment date as XXXX XXXX in the amount of XXXX.
This is XXXX complaint : today I found out the Bank of America received a property tax refund on XXXX XXXX XXXX in the amount of {$1000.00} for XXXX tax pre fund. We also have at least XXXX other refund for the year XXXX - XXXX due to my husband XXXX Veteran XXXX and other qualification. The B of America representative told me that this process can take up to 3 months to refund the money. I have been working on this since XXXX XXXX. My husband has a XXXX in XXXX XXXX & we are in a financial hardship ; Bank of America know this. They have charge us XXXX of dollars in excess overdraft fees and if we would of received the money on a timely basis this would not of occurred. They are earning millions of dollars in earnings credits. Hoe can a refund take 3 months? In addition theses refunds will lower my mortgage payment & apparently they do not want to do that.