WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/15, Wells Fargo Mortgage Representative XXXX XXXX and I worked out a deal for an approximately {$270000.00} loan. I have a Loan Application and Truth In Lending Disclosure from that date which I signed and which XXXX told me I was locked in at 3.875 % and used the box on the TIL form which said it was not an estimate to assure me as such. For 6 weeks after that, I was in constant contact with Wells Fargo to ensure that everything was still going smoothly and continuously reiterated the need for the closing to be no later than XX/XX/XXXX. Consistently, I was informed that this would not be a problem and that everything was progressing nicely. On XX/XX/XXXX ( 2 business days before closing ), I received notice that my rate would actually be 4.125 %. Knowing that I could not delay closing by even a day, Wells Fargo purposefully snuck in a higher rate. In total, the bank is going to get {$14000.00} more of my money over the life of the loan. I have filed complaints with Wells and they have so far claimed/admitted the following:1 ) They do not have a loan application for my loan on file. I sent them the one I signed showing 3.875 % and they continue to act like it does not exist. 
2 ) They do not have a signed copy of the TIL disclosure for my loan from before the date of the closing ( a violation of TILA ). 
3 ) The TIL Disclosure I have which specifically shows that the numbers on it are not an estimate does not mean that the rate is locked in. Nor did I ever get any official notice of being locked in at any rate before the closing. 
4 ) E-mails and verbal conversations with XXXX XXXX and XXXX XXXX ( the origination person ) assuring me throughout the process that everything is what they claim it is do not count for anything. 
5 ) Documents which detail the contractual obligations of the relationship either are ( a ) missing, ( b ) do n't exist or ( c ) are proprietary and can not be shared with me to prove that I have not been wronged. 

I would like to know what my legal options are and if these violations of TILA will lead to any regulatory or governmental punishments.
I would like to know if I can sue HFC for their violations against me. My spouse passed away three years ago, after he passed away I received a life insurance settlement to pay off XXXX of my mortgage. While waiting, my spouses pension went through and I paid all the back mortgages up to date. At that time I was two months ahead in mortgage. After HFC applied the life insurance I was told I was I was two months behind. I believe HFC owes me two months mortgage. I was paying {$1600.00} a month. I would like for them to pay me the {$3200.00} they owe me. I am attaching a copy from the Department of Financial Institutions findings. I have fought with HFC since my spouse passed away and the only time they respond is if I get consumer affairs involved. I am not asking for what is not mine. Please take a look at my case to see if I can claim my monies back.
PayPal continuously contacted XXXX XXXX about a debt before XXXX as well as informed her of an amount and what actions they are going to take against me. I am understanding that they continue to communicate with her even after she stated she wishes to no longer be contacted. I have never used her information with PayPal. She is simply a family friend who I sent money to, without issues or incidents, using PayPal services.
I would like for this company to remove debt from my credit file due to me having this same company as my auto insurance carrier.
I contacted several mortgage companies a few years ago to refinance and chose USAA. I asked each one of the mortgage companies if I could make bi monthly payments to pay down my mortgage sooner and USAA said yes. After the refi was complete I reached out to set up my extra payments and was told that I had to pay to participate in a program to be able to make extra principal payments. This is my complaint. I should not have to buy a program to pay off my mortgage with extra principal payments.
I paid my capital one cc ending in XXXX on XX/XX/18 the date it was due before XXXX I was charged a late Fee of {$25.00} for late payment after XXXX XXXX   even though I paid on time!!! 
I paid other capital one cards the same day same time and had no problem I am ell aware of the cut off time I asked two different reps To overturn the late fee, and they would not do it. 
This late fee is hurting me, as it is as much as my monthly payment! 
Please help
I 'm not sure which above complaint to file under. I 'm getting calls from a company named Ruben & Yates trying to collect a loan for a company called XXXX. the persons name is XXXX XXXX and he states i took out a loan and owe {$1100.00}. He stated that they 've sent me letters but going through my records I bave no letters from them. I have no information to contact them from besides a phone number. I reqquested him to remove XXXX phone numbers that I ca n't be reached at and also requested to be sent a copy by email and mail of what the debt is and what it pertains to. When I requested to have those things he got upset and hung up on me.
i was on CFPB a few months ago complaining to bank of america and now we are back here again!! they told me that they would shut down my card and leave me alone at a XXXX dollar balance and now i'm at a XXXX dollar balance!! where is this coming from???? why am i being charge for no reason!!! 


Bank of america will continue to harass you!!! 

i'm in the XXXX XXXX military this isn't right!!!
Now that XXXX has let my personal info out, I went to freeze my credit with the credit bureaus. XXXX and TransUnion are chaging me {$11.00} and {$10.00}, respectively. This is outrageous! And I will need to pay this every time I want XXXX of their customers to use their credit file to decision me. TransUnion even has a waiting period for the unlock to occur! This is unacceptable. I am not going to pay $ XXXX to apply for credit. 
This should be a free service that is paid for by the credit bureaus as a collective. They should be required to develop an app for phones so consumers can quickly and easily unlock credit files or individual companies or all three.
I entered a Debt Settlement Program under the umbrella of Apple Law Group approximately 3 years ago and recently recieved a statement declaring the accountt had been " resolved '', after this company withdrawing a certain amount for over 3 years. I was suddenly told there was a statue of limitations with this particular bank because the main branch was based in Maryland, and there would not be funds withdrawn any longer ; the amount withdrawn came out to approximately XXXX U.S. dollars. Now the bank is trying to sue my ex-husband, who has nothing to do with this. And I repeatedly asked them to remove his name from the account. I am a victim of a scam and fraud.
XXXX has been non-compliant with removing the unverified account PNC BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PNC BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I applied for credit with XXXX and 2 inquiries appeared for one application. Also, my credit score dropped approximately 100 points immediately.
My friend told me that Citibank had a promotion. If a client opened a new saving account between XX/XX/XXXX and XX/XX/XXXX and maintained a minimum balance of {$25000.00} in the account until XX/XX/XXXX, with a new checking account, the client will earn a {$200.00} bonus. Besides, if the client maintained a minimum balance of {$15000.00} in the checking account until XX/XX/XXXX, the client will earn a {$300.00} bonus. 
I opened a new saving account and new checking account in Citibank 's branch at XXXX XXXX XXXX, XXXX XXXX, NY XXXX on XX/XX/XXXX and maintained {$25000.00} in the saving account and {$15000.00} in the checking account until now. Citibank did give {$300.00} cash reward in my new checking account on XX/XX/XXXX. However, the {$200.00} cash reward I got on XX/XX/XXXX for my new saving account was reversed on XX/XX/XXXX. When opening the two accounts on XX/XX/XXXX, I followed all instructions from the branch 's personal banker XXXX XXXX XXXX. So it was either the branch did something mistakenly when opening my accounts on XX/XX/XXXX, or Citibank wrongly reversed the {$200.00} cash reward from my saving account. I have tried to contact XXXX XXXX many times by emails, phone calls and visits, but she has not respond to me.
Over a year ago we started the process of building a custom home. After we closed and had already paid our down payment, purchased the land and cost to build, we were shocked to find out our first interest only payment was so high. We immedietly contacted the lender. They informed us there disclosures were misleading. Eventually after a face to face meeting, we decided to wait until our home was done being built to file a formal complaint. Washington Federal did mislead us. Not once did they ever properly disclose the proper terms and costs of the loan during the closing process. The paper work we were disclosed and signed is clear. 

{$750.00} is the max payment for year one ( first 12 payments ). This is clear on page one ( 1 ) of the disclosure we signed. For years 2-31, page one ( 1 ) does reference the Adjustable Payment table on page four ( 4 ) for an updated payment. See next paragraph. 

The Adjustable Payment table on page four ( 4 ) of the disclosure is also quite clear. At month 13 we start paying both interest and principle and the max payment not including escrow will be {$1900.00}. 

So, XXXX is correct. During the first 12 months ( year one ) we will be in interest only payments with a maximum of {$750.00} per payment. 

There is no {$1500.00} payment ever for the length of this loan. Not in year one ( 1 ), not in years 2-31. 

XXXX, please call me if you have any details that are different than our closing disclosure we signed. 


We were forced to pay terms we never agreed to. We were never given a chance to even consider if we could handle up to XXXX a month payment while we build.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX PINNACLE LLC/RESURGENT XXXX XXXX XXXX, XXXX, SC XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1200.00}. 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 do n'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 public press release, including documentation of any potential small claims action.
I pay all my bills through Wells Fargo bill pay process. My XXXX XXXX XXXX was due on Sunday, XX/XX/XXXX. I scheduled my electronic payment to come out of my account on Thursday, XX/XX/XXXX. It was not delivered until XX/XX/XXXX ; resulting in a {$27.00} past due fee. I have a couple issues with what happened. - Funds were removed from my checking account on XX/XX/XXXX - XXXX XXXX processes payments on Sunday, but Wells Fargo does n't consider that a business day. 
- My payment has still not cleared XXXX XXXX on XX/XX/XXXX and I received a past due fee. 
- Electronic payments should not take 3 business days ( especially since it 's been removed from my account ) to be processed from another on-line bank. 
- This is the 2nd time my due date as fell on a Sunday and caused this issue ; but overall - I think the debiting of my account prior to a payment clearing is questionable and the time it takes to make an electronic payment is too long. I do have the option to pay an additional fee to make it go faster. 

I did not have this issue with Wachovia ( prior to them becoming Wells Fargo ) and I also am aware other banks do not take money out of your account, prior to the check clearing - it also should n't take 3 " business '' days to send an electronic payment. I spoke to XXXX different representatives and did get agreement that it did n't make sense that the process took so long to send an electronic payment ( not needing to create a check ). 

I 've also opened a ticket with XXXX XXXX to see if there is an issue on their end, but based on my conversations with Wells Fargo - I believe the issue is with the delay in their processing of bill pays.
I was a student at XXXX College XXXX CA, and they closed there doors on XXXX XXXX, 2015. I received a text message indicating the closure. I have student loan with Genesis Lending Services and they will not discharge my loans. I feel that XXXX College is to pay back my loan to the company, after all XXXX is the one that broke the contract. This has caused great pain and suffering, because the reason I attended this college was to better myself in finding a job. Now after two years and three months, and only eight weeks to go, I do n't even have a degree now. I am not liable for this loan and will do what I have to do to get this discharged. I will seek information from an attorney about the steps I need to take.
XX/XX/XXXX, I entered an agreement with XXXX in Minnesota following a stipulation and Confession of Judgement dated XX/XX/XXXX. I was supposed to make 9 payments total of XXXX each and I made the payments religiously until the last two payments when the creditors contacted us to say that they have severed relationship with XXXX XXXX and we should send subsequent payments to another collection agency, FIA Card Services. They gave us the new information. I completed the remaining two payments with FIA Card Services XX/XX/XXXX. To my greatest dismay, XXXX XXXX filed a judgement again me in XXXX County District Court on XX/XX/XXXX, claiming that I did not complete payment. I immediately responded with evidence of having paid the account in full, which I sent via certified mail. They received it because I received confirmation to that effect. Not hearing from them after sending the documents, I followed with several phone calls that they never returned. Now the judgement is still effective and all attempts to reach XXXX XXXX to withdraw the judgement have failed. It may interest you to know also that whenever I called and gave them the last XXXX digits of my social, another person 's name pops up. At one time, they said that the account did not exist and transferred me to a voice message that never got back to me. 

I have had several problems with this agency. When Bank of America severed relationship with them, I was told that it was due to some inappropriate business practices. I also feel that they are trying to stick someone else 's debt on me but it backfired due to their negligence and lack of organization. It may also very well be a malicious act on their part. 

What is even more upsetting is that they file frivolous lawsuits to get people to succumb due to lack of representation or resources. They also never send any notice of any filing or notice of summon, and just surprise people with a judgement against them. They have tried to remove funds from my account at XXXX time, claiming that my husband owed them and that too backfired, because they could not prove that my husband was on the account, and they tried as much as possible to transfer whatever they are claiming he owes them to me. This is a constant harassment from this agency and I crave your indulgence in this matter. I need justice! Thank you.
THIS WILL BE BRIEF HAD RECIEVED AN INSTALLMENT LOAN FROM XXXX XXXX XXXX OFF OF XXXX XXXX XXXX IN XXXX TEXAS. I HAD MADE MY FIRST PAYMENT OF XXXX DOLLARS EVEN. THEE LOAN WAS IN THE AMOUNT OF XXXX DOLLARS. THEE FOLLOWING MONTH I WENT TO MAKE AN PAYMENT AND THEY HAD CHARGED IT TO MY BANK ACCOUNT FOR A CHECK THAT WAS GIVEN TO THEM FOR THEE APPROVAL AMOUNT. COME TO FIND OUT I WAS GIVEN AN OVERDRAFT AND MY ACCOUNT KEPT WITH THESE OVERCHARGES TO MY ACCOUNT AND BANK FEES ALONG WITH THERE EXTRA CHARGES NOT INCLUDING MY PAYMENT THAT WAS MADE. MY NAME IS XXXX XXXX AND NUMBER IS XXXX THANK YOU AND YOUR SPEED OF SERVICE WILL BE GREATLY APPRECIATED.
I leased a XXXX XXXX XXXX. I returned it in XXXX XXXX to purchase the XXXX XXXX. I owed them nothing because they financed the new car for me at 3.9 %. which I 've since paid off also. I have been trying to get this off my credit report since then. today I applied for a home equity loan and was advised that this was the reason I was turned down. Ive called the dealer where I 've purchase the car. i 've called Infiniti credit and I ca n't get this resolved.
I opened a credit card account with BBVA Compass on XXXX XXXX, XXXX. I was offered a promotion to open the account, which was XXXX bonus points for net purchases of {$1000.00} over the first 90 days. The promotion was for opening a BBVA Compass XXXX XXXX XXXX card. I went over the {$1000.00} mark in spending on XXXX XXXX, XXXX, according to my records and confirmed by a BBVA Compass customer support representative. I was told that it might take 30-45 days to post these bonus points to my account. I have worked with BBVA Compass to resolve this matter on several occasions, including four attempts in XXXX XXXX, two of them by phone and twice by secure message at their website. I called one more time on XXXX XXXX, XXXX to request the points be posted as it had been more than 45 days. However, as of today my account still has not had the points credited. These points are equal to {$200.00} in a statement credit and this promotion was a significant factor in my decision to open the account. I would like BBVA Compass to honor our agreement. BBVA Compass has acknowledged that these points are due to me but has not been able to post them to my account.
fter reviewing my credit report, I seen a medical account listed. I disputed it with the credit bureaus and the company it 's self. The credit bureaus advised they have been verified. So I requested a debt validation in the form of an original bill and detailed statement of procedures, for the medical account with Progressive Management Systems. I never received a response back. So after 34 days I called and was told they have the validation to collect on this medical debt, they received the details of my medical bill from there client. I informed them, they directly violated the regulations of the HIPAA Act of 1996, because I never signed a HIPAA form to authorize them to have access to the information. I requested to speak with a supervisor and was told I would get a call back in a few hours and never did.
Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

PUBLIC FILINGS US BKPT CT IL XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine
On XXXX XXXX, XXXX I noticed a " Miscellaneous '' debt in the amount of {$470.00} to my checking account with The Huntington National Bank. I immediately called the customer service hot line and spoke with a representative. The representative said she could not see what the charge was, but it looked like it had been initiated at a banking office. She stated that since the charge was still in pending status that I had to wait for it to clear before I could find out what it was. The morning of XXXX XXXX, XXXX I looked at my bank balance and the charge listed as " OD Recovery ''. I went to my local branch office in XXXX Ohio, XXXX XXXX location to find out what was going on. The man I spoke with, XXXX XXXX, made a phone call and after several minutes informed me that it was Huntington that took the money out of my account. It was supposedly to pay off a closed account from XXXX that charged off in the amount of {$470.00}. This money was taken out of my current checking account, without warning/notice. I received no notification that this was going to take place. I was given no chance to investigate if it is even a factual/legitimate debt that I owe. Furthermore, I have check written on that account that will now bounce or withdraw my current account. The banker that I spoke with, XXXX, said they had been trying to take the money out of my account for years and now they " finally got it ''. When I asked him why I was n't notified that I was going to be withdrawn from my account, he said I will be receiving a letter, after the fact, of course. When I asked him what I was to do about the checks I have outstanding on my account, that I had the funds to cover, until this morning when they took money out of my account without permission, he said I should turn to a church.
The seller of the auto USA Santander Consumer agency sold th is car to me without disclosing the condition of t he car. The XXXX XXXX XXXX XXXX had a very bad deficiencies with the breaks that made the car low, stop right in the tracffice on the freeway .Also the car would n't breaks, it could be very danger because the malfunction who made by the car dealer XXXX XXXX, and with a recall after buying in this condition. I would like this problems solved because of the insufficient lack of safety when it was sold to me unrighteous. And could cause death to me or someone why driving it. I volunteer gving back them because of this problem they did n't give me an option in the situation to solve the condition.Now it is on my credit to collect for it after these notification. from the dealership .and now I have purchase a car through the third party on this Loan from Santander USA through XXXX XXXX XXXX XXXX