WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX who has banked with Bank of America for more than20 years. In the last year the service charges for banking services that allretailers require have been increased anywhere from 20 % to 300 %. Thesare critical services like cash deposits, coin requests, check writing andcheck deposits, ACH activities etc. Our monthly bank fees, not includingcredit card fees have gone from approximately {$90.00} per store per year one year agto over {$160.00} per store per month this year
I deposited a personal check from XXXX in the amount {$4800.00} to the JP Morgan Chase branch at XXXX NJ between XXXX and XXXX on XX/XX/2017. I walked up to the counter and handed my Chase freedom credit card to the clerk for identification, and went back to my car for more ID/address. I talked with my girlfriend in the car for 10-15 min. When I got back, the clerk already cashed my check. However, my account was never credited for this amount. On XX/XX/XXXX and XXXX, my Chase credit card had fraudulent activities totally $ XXXX + XXXX + XXXX + XXXX = {$300.00}. For the {$10.00} fraud, my Chase freedom card duplicated a transaction on my Chase unlimited card which is something that only someone within Chase can do.
My Mortgage Debt was discharged in XXXX. Since then I'm voluntarily paying the mortgage. I do want to keep my home. Since XXXX have not missed a single payment. Sometimes I send I paid after the XXXX of the month but always before the XXXX. XXXX was servicing my mortgage since XXXX and I never had any issues with them. 
Last year the servicing of my mortgage was transferred to SLS and my problems started. 
First I wasn't able to pay online, like I did before. They told me I wasn't allowed because I had filed for bankruptcy. I NEVER MISSED A PAYMENT since XXXX, but sometimes my check arrives at their office a few days after the XXXX of the month and they started to charge me late fees. I retired this year and I receive my pension every XXXX Wednesday of the month. I called to remind them my debt was discharged and that I was voluntarily paying my mortgage and they couldn't charge me late fees for a debt I legally don't own. They were rude to me, asked to speak to the manager but he didn't want to speak with me, and they told me the late fees would stay. I sent several emails, and sent also a copy of the Discharged papers I was supposed to send to all debtors. After I sent the Bankruptcy document, SLS have changed the wording in my statements. LATE FEES was changed into UNPAID FEES. I can prove, without a doubt I have not missed a single payment, so I don't have any unpaid fees. 
I put my house on the market and I asked for a Pay-Off Statement and they included late fees. I called them several times, sent many  emails but they are being unreasonable. It has been very stressful to deal with them. Recently I was able to make a payment on line but they have included late fees and I can't make the payment online unless I pay the amount they specify there which includes a LATE FEE. I have asked them to remove the late fee so I can pay online but they have not done it This month I paid over the phone because of the issues I'm having with them I didn't want my check to get there after the XXXX. they charged me a convenience fee {$12.00}. 
I really need this issue to be solved because once I sell my house I don't want to see late fees included in my pay-off amount, it is not right. 
I have a question - my mortgage is variable but since my bankruptcy, from XXXX to XXXX, XXXX made very little changes in my monthly payment. 
After it changed to SLS, they have increased my payment by around {$20.00} every 6 month and I want to know if they are allowed to do that. I know it was a variable rate mortgage but the debt was discharged and I understood that's why XXXX made very little changes to my monthly payment amount Please let me know if you can help me with this problem Thank you
My mortgage was sold from XXXX XXXX to Statebridge Company earlier this year. This is by far the most unprofessional company I have ever had to deal with. I was charged a late fee of {$45.00} for my XX/XX/XXXX payment as I had paid it electronically from my XXXX account to them directly on XX/XX/XXXX. Because Statebridge does not allow for electronic payments from a financial institution, the very unprofessional customer service person I spoke with informed me they did not receive my payment from XXXX until XX/XX/XXXX. He said they do not refund late fees because customers do not mail them in on time. He also stated that if I did n't like it I was free to refinance my loan with someone else. 
What frustrates me even MORE is that for me to make a payment with extra principal, I have to make that payment via SNAILMAIL or pay it online through Statebridge, but they charge me {$5.00} just to make the payment! If I want to make a payment to the customer service dept it costs {$15.00}! Oh and it wo n't show up on the statement that additional principal is being applied. You have to simply assume they did it. There are no documents or records to look at online either. 
What XXXX kind of archaic world is Statebridge doing business in?? This is XX/XX/XXXX, almost XX/XX/XXXX and they do not allow their account holders to pay directly online?? Snailmail??? Who XXXX uses snailmail anymore? Why in God 's name did XXXX sell my loan to such a circus of a company? Even their website looks like it was set up by some high school students for a project. Completely unprofessional and hodge podge. The employee also informed me that it would take 3-5 days for me to even SPEAK with a Supervisor or Manager! What the kind of outfit does n't even bother to talk with their clients???
Since I had graduated from XXXX University XXXX to get XXXX Degree and then went to University XXXX XXXX to get XXXX Degrree in XXXX. 
I have a issue with my Navient loans interest accruing daily and I don't have a job to pay the interest but looking for a job, have been applying and mostly no calls back. I have 18 types of loans with Navient and each loans have different interest percentage and I have apply for the Income Driven Repayment Plan and I pay {$0.00} for Principal, but the interest is keep growing everyday about {$8.00} a day and if you multiply for 31 days, that means interest grow about {$250.00} or more dollars a month on my Navient account and I don't really have the money for the interest and plus that would put me in debt even more. The Loan Education Department should only let interest rate grow when borrowers have a job and pay for it. Interest should not when they don't have a have job. The interest rate should also be {$0.00} a month until I find a job.
I lost my down payment and house I wanted to purchase when the mortgage company I was working with delayed the loan process and would not issue a commitment or denial letter in time to avoid Time is of the Essence penalty.
This account is being illegally reported on my credit report. On XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Diversified consultnts-XXXX I have told them several time that this not mines and doesnt know anything about this account. They taken it off my credit serveral times but somehow it appears back on my report. Please remove this collection as this is not mine
Ive been a victim of their inquiry issue. Ive tried to reach them out before in the past and they would not remove them for me.
Harris & Harris keeps calling me asking me to verify the last XXXX of my social with NO further explanation. My credit is XXXX+. I am not delinquent on anything. I checked. This is crazy.
Citibank has checking accounts that demand a $ XXXX monthly service charge unless you have a monthly bill pay. I set up a bill pay for {$15.00} a month on the XXXX of the month to land before the end of the billing cycle. This was set up years ago and was within plenty of time of the bill cycle ending. Over time the billing cycle end day crept closer to and closer to my bill pay date and eventually I started accruing service fees when the billing cycle ended before the XXXX of the month. I set up my bill pay in good faith with more than enough time before the cycle end date. It is not my fault that the billing cycle is before the XXXX now, years later. I believe this is an unfair and deceptive practice and I am willing to bet there are many customers who are paying money for this UDDAP violation. 
Citibank did not go to any length to assist me or warn me of this. When I called, I advised Citibank should change their billing cycle date and I should not have to make changes from their erroneous business practice. They did not take my complaint seriously. Any date that has a monthly service refund fee will be the dates I logged this complaint. I begged the customer service to log my complaint but they refused along with refusing to change my billing cycle.
XXXX accounts from XXXX and XXXX are fraud accounts, located under my name, i have received both letter from XXXX and XXXX that they have given permission to XXXX major credit bureaus to remove them, all have removed except experian which are very stubborn and are not willing to do so, each time they say they have not been verified as fraud. no matter what the letter are stating. 
please help me to remove these fraud accounts.
I have had XXXX XXXX ( Credit Protection through American Express ) for years but decided to cancel on XXXX/XXXX/2017. On XXXX/XXXX/2017, I experience a complete theft of my identity that includes Social Security #, Name, Address, Phone #, All current Credit Card Numbers and personal data attached ( but not the Credit Card Security Codes on the card ). I find this highly suspicious given that I am careful with my information and it was a complete theft of my identity across multiple credit card companies. I alerted XXXX who tried to encourage me to re-enroll in their service. While I do n't believe this is an organized tactic by XXXX, I believe their data has been compromised and they would not take my concerns seriously ( since I canceled my account ). The credit report information that they and the credit agencies have access to is the only place I can think of where this information is readily available in XXXX location, to be stolen all at once.
XXXX XXXX Violation of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 XXXX XXXX reported 9 separate accounts with late payments to Experian, XXXX, and XXXX. I disputed these accounts with the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX and all disputes came back as 'verified '. I sent a letter to XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX, asking for an investigation of said accounts. By law, they had 30 days to respond to me. To this date, I have received no replies from XXXX XXXX, yet the derogatory accounts are still listed on my reports. 

Please see attached letters that I sent to the credit bureaus and to XXXX XXXX.
I owe Mariner Finance, I sent a payment in XX/XX/XXXX, they stae they never got. Now they want 2 pmts NOW. They call on a daily basis they call at work and are now calling my neighbors. I talked to them a couple weeks ago and told them when i get p [ aid i would send what i could. That was all fine and good but they never talked with me and dont know who called. I am tired of this everymonth. I try but we ran into some financial difficulty, and am trying to catch up but these people just keep hasseling thinking i will get paid faster that way, but i can only do what io can do.
Since XXXX XXXX, 2016 I been contacting Transunion about removing inquiries on my credit report that have resulted from Identity theft. I have contacted them on the phone multiple times and provided them with my identity theft report Filed on XXXX XXXX, 2016 but they have refused to remove the fraudulent inquiries. 
Agencies must block identity-theft-related information. FACTA adds a new section, XXXX, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumer 's identity, a copy of an identity theft report, the consumer 's identification of the fraudulent information, and the consumer 's statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ). 

XXXX and XXXX have removed the inquiries already and Transunion is the only bureau who has not. These practices by Transunion are violations of the FACTA Act regarding identity theft and I will be pursuing legal action if these fraudulent inquiries are not removed immediately.
Today I received a letter from Progressive Management Systems in XXXX XXXX, CA for their account XXXX stating I did not pay a {$100.00} bill. I immediately called and XXXX stated it was for a co-pay of {$100.00} for a XXXX XXXX, 2016 XXXX bill. I asked her if this had be reported to my credit report as I did not want this to effect my credit report and she said if I resolved it with in 30 days it would not report to my credit report. I told her I never got five notices from XXXX and I will check my receipts and call back. I searched my receipts and check book and only found two letters XXXX sent me asking if this XXXX visit was for an XXXX but no invoices were ever sent by XXXX to me. I called back and spoke to XXXX to pay it. After I gave her my XXXX and paid the {$100.00} bill I confirmed that this was paid and resolved and not showing on by credit report. She said if I dispute it to them they must report it to the credit report. I told her I am paying it and I was told if I paid it immediately it would not show on my credit report as I have excellent credit. XXXX and XXXX both lied to me to get me to pay this bill and then after they had my XXXX and I paid it then they said it would be reported. I told them I should be able to state the fact that their client has poor procedures and billing processes and that I never got even one invoice from XXXX. XXXX continued to tell me that even if I paid it the same day I got the notice it would go on my credit report. I do not feel it is right for them to misrepresent or lie to me and then report this account to my credit report after I paid it immediately. I owned a XXXX for 30 years and find their behavior unethical and misleading to consumers. These types of agencies should be put out of business and closed.
ON  XXXX   XXXX ,   XXXX  , I SUBMITTED A DISPUTE FOR EXPERIAN TO CONDUCT AN INVESTIGATION OF INACCURATE ITEMS ON MY CREDIT REPORT. THEY PARTIALLY RESPONDED ON  XXXX   XXXX ,   XXXX  . WHICH IS WELL PAST THE ALLOWED TIME TO INVESTIGATE MY DISPUTED INFORMATION I SUBMITTED. THEY DID NOT CONDUCT A THOROUGH INVESTIGATION NOR DID THEY PROPERLY SHOW ME A METHOD OF INVESTIGATION WITH PHYSICAL EVIDENCE. THEY JUST RESPONDED WITH WHAT SEEMS A COPY AND PASTED ANSWER WITH THE WORDS FCRA BUT NO ACTUAL TANGIBLE EVIDENCE THAT WHAT THEY ARE SAYING IS TRUE.     IN  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . THE PLAINTIFF SUED THE COLLECTION AGENCY FOR FAILING TO CONDUCT A REASONABLE INVESTIGATION INTO HER DISPUTE REGARDING ITS ACCOUNTS ON HER CREDIT REPORT. EXPERIAN IN THIS CASE HAS CONDUCTED NO SUCH INVESTIGATION.   UNDER THE FCRA CONSUMER REPORTING AGENCIES BEAR GRAVE RESPONSIBILITIES TO ENSURE THE ACCURACY OF THE ACCOUNTS THEY REPORT ON AND THEIR RESPONSIBILITY MUST CONSIST OF SOMETHING MORE THAN JUST SAYING IT WAS INVESTIGATED. THERE IS NO PROOF OF ANY REASONABLE INVESTIGATION BECAUSE THE ACCOUNTS REMAIN INACCURATE AS STATED PREVIOUSLY. THIS IS A LAST GOODWILL ATTEMPT TO REMEDY MY SITUATION BEFORE I PROCEED LIKE THE PLAINTIFF IN THE CASE ABOVE.
On XX/XX/2018, I received a letter dated XX/XX/2018, alerting me that I owed a debt to " XXXX XXXX XXXX XXXX XXXX. ", a company I had never heard of before. At the top of the page was an original creditor and debt description, for an old XXXX account that had been paid in full at least a month ago- long enough for my XXXX report to mark it as paid. This debt collection agency, Dynamic Recovery Solutions, sent me this collection notice with nothing but a XXXX XXXX address on the outside of the letter, and a XXXX XXXX address in the letter. I worry it may actually be fraudulent. This debt was settled, paid in full, to the original creditor directly. I should not still be receiving debt collection notices.
On XX/XX/XXXX we received a statement from our mortgage company ( Freedom Mortgage ) informing us that our escrow shortage amount is {$6900.00}, which increases our monthly mortgage payment from {$2000.00} to {$2900.00} starting on XX/XX/XXXX. 

We can not believe that Freedom Mortgage could force us into this situation as this increase is something we can not prepare for with just two months notice. They have failed to manage our escrow account appropriately or accordingly. We are extremely appalled and tremendously shocked by this misstep.
Hello, I have Pentagon Federal Credit Union Mortgage and Mortgage loan # XXXX. I received a letter today that my PMI Cancellation request has been turned down since the principal balance of mortgage balance has not reached 80 % of the original value of the property securing the loan. I also spoke to Penfed Mortgage Department and they told that they used the old appraisal from XXXX and told to send another request. 

This request is to use the home appraisal which was done by Penfed Home Equity department in XXXX XXXX, which came to {$500000.00}, so please use the latest appraisal and remove the PMI on my loan. Also attached is the appraisal copy and please use last XXXX digits of my SSN to open the attached appraisal done by Penfed Home Equity loan department. 

Thank you, XXXX XXXX XXXX XXXX
I have had Navient since they took over my XXXX XXXX loans a few years ago. They have pushed forbearance sand deferment on me and caused my repayment to double. I now owe over {$80000.00}. Also, they have reported me as delinquent to the credit report bereaus when they had told me I was in deferment status and they had never processed the paperwork I sent in to them. This caused me to also be denied loans.
PHH mortgage sent letter on XXXX XXXX 2017. The letter claims they mistakenly sent my original bills for this mortgage to zip code XXXX. in fact they sent them to the subject property at ZIP code XXXX. In the same letter they claim they switched future correspondence to the same XXXX ZIP code. So by their own admission they made no change to the account and in their own processes they believe they are illegally sending my correspondence to the wrong address.
I placed a stop payment on a purchase due to problems with the quality of goods and services purchased however Suntrust Bank still allowed the purchase to be drafted from my account. On XXXX XXXX, I filed a dispute and provided Suntrust with the information requested. On XXXX XXXX, additional information was requested. On XXXX XXXX, Suntrust received correspondence from me in response to the letter they send me on XXXX XXXX. Yet, XXXX XXXX, I received a letter dated XXXX XXXX, stating that the dispute is CLOSED because I did n't send the additional information they requested. I provided proof of receipt delivery yet I was being led to. Matter fact, I called Suntrust on XXXX XXXX yet I was told by supervisor XXXX that they received my documents and are processing my claim. SunTrust is trying EVERYTHING not to honor Federal Law that protects me against legal protections for problems with the quality of goods or services purchased with a debit card/ credit card account ending in : XXXX. The banking institution has failed to has been unfair and deceptive in their dealings with me and I have reason to believe that its because of my gender and color. I have several colleagues of the opposite race and sex that have had favorable outcomes. But Suntrust always gives me a hard time. They treat me as though I 'm a thief. My rights have been violated. And conveniently, the account was CLOSED by Suntrust on XXXX XXXX.
I had being a customer of American express credit card for 11 year with never being late once since XXXX 2015 in which I thought the payment was due on XXXX XXXX 2015, but it was actually due on XXXX XXXX 2015. I was charge for a {$27.00} dollar late fee for which I call customer service to see if they can waive since it was the first time in 11 years that it had happened and I had being always a good customer by paying on time and having my paid on full most of the time. The representative asked to make the payment of the balance which I did immediately and then she declined to waive the late fee. I ask to be escalated to a supervisor and the supervisor also declined waiving the late fee. Most of the credit card companies would give a XXXX time pass for late fee since we are all humans and not computers and anyone can overlook the date of a payment. But American express I guess is in the business of profiting from late fee as well not matter what kind of customer you are. You can be great for 11 years and XXXX slight minor mistake of being late for a payment for 7 days and they do not work with you. That is why I want to submit this complaint so people can see how American express treats its customers
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, md ) had rented a music instrument to my son for which the full amount for a 1 year rental was paid. The instrument was returned at the end of the school year but the company claimed they did not receive the instrument and kept charging the rental every month. Communicated to them via email and phone but kept sending new invoices every month adding to the previous amount. 

They then reported to a debt collection agency and placed it on my credit file. I reported the complaint through XXXX and XXXX too.
Called my sister and my mother through a autodialer and left and left a unclear message. Did n't state the name of the company but stated they are going to file charges against me with the county. They called my sisters cell phone number and my mom 's land line in which I have never ever ever use them for any credit references. I left a message to revolk any consent to call anyone.
On XX/XX/XXXX, I wrote Green Tree Servicing , LLC. to correct the property address on all my statements going forward, and as of today, they have refused to make that said correction. The property address shown under account number XXXX ( first mortgage that they have recently acquired from XXXX XXXX XXXX, XXXX ) is : " XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX '', and under account number XXXX ( 2nd mortgage ), the property address is shown as : " XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ''. The correct address is " XXXX XXXX XXXX XXXX, XXXX, CA XXXX ''. I have been paying for this property since XX/XX/XXXX, and I would like to make sure that the bank is not doing anything fraudulent by not putting the correct address on homeowners ' records. I had wondered in the past why XXXX XXXX XXXX XXXX had allowed correction on XXXX Deeds using liquid white outs. Please help homeowners, like myself, protect our assets by making sure we are not victims of mortgage frauds. 

Green Tree Servicing Loan, LLC has also been incorrectly reporting the actual amount of money received from homeowners. I have recently paid {$560.00}, but they only show {$460.00} as " last paid amount '' on their website.