WillisBack/dataset-financial-user-claim huggingface dataset:
Payment Due Date was Saturday, XXXX XXXX, and was charged a Late Fee by Chase on Sunday, XXXX XXXX. Made Electronic Payment ( ACH ) on first Banking Day after Due Date, Monday, XXXX XXXX. Like XXXX XXXX Mail, ACH is only 'delivered ' on Banking Days, but Chase XXXX illegally I believe, insists payment must be received on Due Date, even though that is impossible. When I called, Chase said, since it was my first time, Chase would 'forgive ' the XXXX XXXX. It appears Chase actually does n't want people looking into their illegal practice of charging this Late Fee.
This debt does not belong to me. I have requested documentation verifying that this debt belongs to me and I have not received it. I would appreciate it if this company could provide the information that they used to verify me as the owner of this account or delete this negative account from all XXXX credit bureaus asap.
Following a 2 year long battle with Citimortgage where they attempted to foreclose on me 3 times and actually refused payments to ensure that would occur -- I finally found a workable solution with the assistance of Legal Aid in Oklahoma. One of the main issues was to ensure the new note and subsequent payment would be feasible given our income. We are both XXXX in the XXXX state ( OK ) for XXXX nationally so our income is low but stable. The final loan included years of ( and XXXX of dollars in ) illegitimate delinquency and foreclosure fees and basically resulted in us being underwater with no chance of ever catching up. The payment was set at $ XXXX which we have paid in full for the past 12 months on time. I received a letter today stating the escrow account was deficient and our new house payment would jump over 40 % to {$1000.00}! I was NEVER given any warning or notice from Citimortgage that after just one year of on time payments with the new XXXX loan for a house I bought for XXXX in 2002 -- My payment would skyrocket to a level we can not afford. In fact one of the main reason for delaying the workout process was ensuring we could afford the payments and now, a year later, we have been asked to pay over {$300.00} more every month for a home we have long outgrown. We are trying desperately to fix our credit and pay off debts to make a better life XXXX XXXX kids and between the {$120.00} XXXX in student loans I have and this new mortgage surprise- I fear this home and more specifically- Citimortgage -- may have cost me my chance at the American Dream- I feel hopeless- we fought so hard and for so long to not be foreclosed on and now to be forced into such a price increase with no warning at all increases greatly the odds of us falling back into default. Can someone please help us fight the XXXX that is our mortgage company -- I ca n't do it alone anymore.
I ( and my family ) was contacted by a company called Summit Consumer Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, stating that I owe in excess of {$1500.00} due to a late cellphone payment to the mobile service provider XXXX XXXX from the years XX/XX/XXXX - XX/XX/XXXX. I have never been contacted in the past 16 years for any debt from XXXX. This company ( SCG ) stated that I woud be issued a subpoena and my bank assets would be seized if I do not remit payment for this fee. I contacted XXXX XXXX and the company stated that I do not owe anything.
I had a bankruptcy 3 years ago and at that time I had a loan from Wells Fargo but this loan was not included on the bankruptcy .But now when I check my credit report it is in there as part of the bankruptcy. This loan was paid off in full and never even had a late payment. I contacted Wells Fargo remove this from the credit reports but they said they could not. I do not know where to proceed next to get this off my credit report.This is impacting my credit and I need it removed.
This is now the 2nd complaint on the issue as the first time PayPal said there was no problem, I should be able to log in and that was quite some time ago but I tried again to reset the password and jumped through their hoops, wasted more time but still ca n't. The primary complaint is I feel this is retribution from a previous issue had with them and tremendous failures handling a return. Perhaps they were even offended I did a credit card dispute as well. One issue the CFPB should note is that extra attention should be paid when a company positions itself where consumers have a difficult time finding a comparable service. I think companies like PayPal see this as an opportunity to not care and do things like such retribution ... Basically PayPal should be regulated like a utility until or unless they end up with more competition.
Account opened online in XXXX and was promised a {$400.00} bonus after depositing $ XXXX. Terms stated was 60 days and its been way over 60 days and still didnt get the offer. 

They are saying I didnt get the offer of {$400.00} and got a different offer instead of interest ( of 1 % which is ridiculous ). I did the application online through a Citibank link stating that I will get {$400.00} bonus ( sole reason why I opened the account ). Unfortunately, the link no longer exists cause they now have a new promotion. 

I found a lot of complaints online regarding this offer and would like help to resolve this.
I am a victim of identity theft. The XXXX XXXX XXXX XXXX XXXX credit card account : XXXX is lost/stolen, and all of the charges/transactions are fraudulent and unauthorized. The following hard inquiries are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ga, XXXX XXXX On XX/XX/XXXX, XXXX, I called 1st investors to pay off the remaining balance of my car, XXXX, XXXX XXXX the remaining balance was {$1100.00}. Because of the payment system they had in place, I had to pay two different totals. Both transaction id 's are : XXXX Fee of {$13.00} XXXX Fee of {$13.00} The person I spoke to was XXXX, XXXX, ext. XXXX After several months I receive a letter stating that I still owed {$100.00}, per XXXX. I have talked to them, I have had the XXXX talk to them. After all this time, no one can tell me where the {$100.00} came from!! As of XX/XX/XXXX, The balance has increased to {$150.00}!! 

Why would I pay off my loan and not pay off {$100.00}. I need my credit report to reflect this and I need my title! 

During the times I tried to fix this, I spoke to a XXXX and XXXX at XXXX, a collection agency. They had no record of it. I also spoke to a XXXX XXXX, who works in Legal with 1st Investors, and she was the one who told me to talk to the above collection agency. This was approximatey XXXX of XXXX
This complaint was closed only because the company provided a response, I provided a response to the company and it was closed with the issue unresolved. Your complaint number is : # XXXX
My mortgage Application was canceled. I started this process in XX/XX/XXXX and licked my interest rate in at 2.875. The canceled my application because they said they requested updated documents in XX/XX/XXXX that had to be uploaded by XX/XX/XXXX. I never received any emails or mail requesting documents. I uploaded them on XX/XX/XXXX because I had retained an attorney for a title issue and thought something was going to get done but this was not a request by BBT. I have requested proof because there is no way I would let that rate slip by since the new 15 year with BBT is 3.5 %. I had agreed to extend the rate lock until XX/XX/XXXX and have the document proving that. I was having trouble with the appraisal, I had that completed in XX/XX/XXXX and submitted a ROV on XX/XX/XXXX. They sent it to the appraiser one month later and they did not reply to his request. I have all the documents to prove this. This is an unfair and deceptive situation. It seems like the right hand does not know what the left hand is doing there. This could be tens of thousand in interest and this only benefits them since now I have to apply at a time when rates a severely increased.
The guy did not identify himself but as a legal issues. Started calling on XX/XX/XXXX.  Called several times and even called my minor son who is XXXX leaving harassing voice mails. When I had the chance to call back he was vary rude and used bad language for a professional and stated I waited to long to call back. I tried calling 3 days later and no recordings or answering system. Called next day and got him. He stated he could not accept me paying the bill in full in two weeks it had to be right this minute or he was turning me over to the courts and garnishing my wages or throwing me in jail. My husband called him and he did the same to him as well. Our bill was for XXXX and since I would not pay now then it would go to court and be over 1,500 with all of the fee 's involved. I mailed in a check for XXXX to the company they are getting the collections from and he said they would mail it back. He would not accept XXXX this week and the rest in 2 weeks. I contacted the company and they said they would cash it. Had to call XXXX XXXX to get the firms office to confirm the guy did work for them bc of how he went about it and how he threatens to do his collections. I have received no emails or mail just phone calls several times a day and rude voice mails.
Late XXXX I applied for loss mitigation and in XXXX I received a letter saying my application was being processed ... On XX/XX/2018, I received a letter saying I am ineligible for loss mitigation, then on XX/XX/2018, I received a letter saying why I'm ineligible and the other dated XX/XX/2018 saying I had until XX/XX/2018 to decide if I would be doing a short sale, as noted this is now too late ... I then call Ditech, XX/XX/2018 and tell them everything listed above and ask how to stop for closure and they tell me to pay {$1200.00}, then next day XX/XX/2018, I sent a check for {$1500.00} to the Illinois p.o box, the check was signed by my father in-law, with a note that has my name and account information so there wouldn't be a mix up..I then called ditech and talked to XXXX extension XXXX , and he noted check was on the way ... so to my surprise I received a letter on XX/XX/2018 saying I for closure proceedings may happen if I don't dispute and so I'm disputing ...
I had check my credit report and it show that I have a collection due from XXXX XXXX cellphones company since XX/XX/2007. This is a 12 years ago matter. I been contacting XXXX XXXX  company and they said that is nothing they can do because I dont have the supposed account number. I am stock on a circle here. Please help me to resolve this matter. Do not know if I will have to hire a lawyer to take care of this. Thank you
On XX/XX/18, I went to the local Bank of the West branch in XXXX XXXX, CA, and made an ATM check deposit of {$200.00}. After the deposit was made, immediate credit of {$100.00} was available. I used the same ATM to withdraw the {$100.00}. Nowhere on the ATM deposit receipt showed that they are putting a hold on my deposit, and after I withdrew my money, only {$100.00} was on hold and my available balance was {$0.00}. 

Over the weekend I tried adding the Bank of the West account to my XXXX app and requested bank verification letting XXXX initiate two micro deposits and withdrawals. This is a way for XXXX to verify that it is my account. My bank balance was still {$0.00} at that time. 

OnXX/XX/18, when I checked my account online, I saw that the {$200.00} deposit was on hold and my balance was at negative {$200.00}. Also they charged {$35.00} for withdrawing {$100.00} at the ATM as an overdraft fee. So it became overdrawn in the amount of {$130.00}. I called to get the overdraft fee reversed. They were willing to do it because my account was new and they allowed one fee reversal per year. Then XXXX made two small deposit amounts of {$0.00} & {$0.00} and they tried to withdraw those XXXX amounts and it was overdrawn after the negative balance. Bank of the West did not let XXXX withdraw {$0.00} & {$0.00} and charged two {$35.00} overdraft fees in the total of {$70.00}. 

I called to get the fees reversed after explaining to them what happened. I spoke to a couple of customer service representatives and they were unable to reverse any fees and asked me to go inside the branch to talk to the people there. 

On XX/XX/XXXX, I received a receipt from Bank of the West via regular mail that there is a hold that's placed on my deposit I had made on XX/XX/XXXX, and it is not going to be available until XX/XX/XXXX. And under the receipt it shows if I was not notified of the hold that was placed and my account was overdrawn then I need to contact the branch for getting the fees reversed. 

On XX/XX/XXXX, I went inside the branch in XXXX  XXXX and told them I was not notified of the hold at the time of deposit they said that they had called me to let me know about the hold. I asked them when and they said on XXXX. They said they left me a voicemail to let me know but never received the phone call or the voicemail. They said they didn't call me on XX/XX/XXXX to let me know because they were closed and reopened on XXXX. But I made a deposit during normal business hours and they were open on Saturday, XXXX, which they still didn't call me to let me know. And they can not reverse the two fees because only one fee reversal per calendar year is available and I already got my one out of three overdraft fees reversed.
CrossCheck XXXX XXXX XXXX XXXX Ca XXXX would not process a check thru their system when my elderly mother wrote one due to drivers license valid state. Well my elderly mother does not drive and has a Texas Valid ID card with no expiration date.
Why is their system not set up to process these types of transactions. That is age descrimination.
We were at an eye doctor when this transaction took place. I had the bank on the other line clearing the transaction and Cross check customer service called by the merchant and cross check could not comment on the transaction until it was submitted in writing. Well I did just that and got a response that it was due to no Drivers license.
This is wrong incorrect fair Credit reporting against the elderly. I hope you all contact them and have them correct this type of behavior.
I disputed the information that it was incorrect. The company is reporting the same collection twice, for the same amount increasing the amount of the collection.
Experian will not freeze my credit report. I have now tried calling them ( busy signal ) - and the website refuses to place a hold. I am ready to pay.
The bank that originated my mortgage XXXX XXXX was bought by South State Bank and now the loan statement/payment invoice is mailed much later than before. It is not mailed until the XX/XX/XXXX of the month but the payment is due on the XX/XX/XXXX of the month same as before. If the statement arrives on XX/XX/XXXX or later, there isn't much time to mail a payment check to be processed by the due date. Considering there may be holidays or interruptions in mail delivery due to weather, etc. or if I am away from home when the bill arrives, it would seem that this arrangement is a deliberate attempt to force consumers to miss the due date which could have adverse repercussions. Before the buyout, I would generally have the payment notice in hand much earlier each month. Also, South State does NOT provide for online payments for mortgage only customers. I've been told that I must open a checking account with South State in order to make electronic payments and this would still require a two step process to transfer money into the checking account and subsequently make a loan payment from that account. This too seems like an attempt to generate additional fees for servicing the loan.
XXXX XXXX sold my mortgage loan to SLS ( Specialized Loan Servicing ). My payment amount keeps increasing. They say it is because I have an ARM loan and there was a deficit in my escrow account of {$910.00}. Originally, it was {$1800.00} back in XX/XX/2015. I was told they would divide this amount by 12 months and that would be added on to my original payment ( the last payment was {$1200.00} ) which would be {$82.00}. I have paid this since XX/XX/XXXX and now I receive a letter that says I still owe the original {$910.00} from XX/XX/XXXX and NOT pay this on the monthly payment!!! 
This can not be because of the ARM interest going up every month. Not that much. 
I have only received 2 late payment coupons but not received a payment invoice, coupon, etc. from them yet, I have called asking for one since the inception of the loan. I just send a check to an address in Colorado. 
I am XXXX years old and my social security does n't even cover the original amount of the payment let alone all the increases. My credit is bad so I can not go get another loan but have always made my mortgage payments on time for XXXX years except to these people because I send the wrong amount not knowing what the right one is. 
Please help me. I do not know what to do.
I recently received a copy of my credit reports and I 've noticed that there were many unauthorized credit inquiries made not to my knowledge. I do not recall authorizing these credit inquires and I understand that they should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation about all of my inquiries to determine who requested the information.
If you find I was not the one who authorized this inquiry, I ask that XXXX have it removed immediately from my credit file. Please be so kind as to have the CB to forward me documentation that you have had the unauthorized inquiry removed.
This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by TransUnion, XXXX, XXXX, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. In other words, it should be immediately deleted from any of my consumer records. 
I am writing to request that the credit bureaus ( TransUnion, XXXX and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.
I disputed unauthorized inquiries with Equifax that were not made by me on my report and I have not heard anything back from them regarding this matter
TransUnion has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the XXXXXXXX XXXX account showing on my report. XXXXXXXX XXXX has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to TransUnion. Also, XXXX ( an organization that mirrors TransUnion in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. TransUnion & XXXX have all maintained to fail in deleting this account which violates the FCRA.
Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX Are Closed / Charged off reporting in active balance. submitted numerous of disputes and contacted the credit bureaus to remove inaccurate account or change balance to {$0.00}. But do not investigate or change.
I disputed some items that were from me bing a victim of identity theft. The items still remain and I never received any feedback from the credit bureau.
On XX/XX/2013 I talked to a Transunion representative. I ask why they are not providing me verifying information I requested and they she said she didnt have to. I told her about section 609 that they are required to. She refuse to get me with the necessary people that can give me the information. She referred me to the creditor, because they are the ones that provide the information. I ask her do they get verifying information from the company and she said they only do electronic verification. I told her they are required to get physical documentation and she denied that.
I had a late payment ( {$920.00} ) on my double-cash card from Citi Bank ; I missed its due because I thought I already setup the autopay, but it's reset/disable for some reasons. However, I did make a payment successfully onXX/XX/XXXX, but my card is closed by the bank on XX/XX/XXXX, without notify me their decision.

I didn't know my card was closed until recently ; I requested my credit score reports from XXXX   ( XXXXXXXX ) and noticed that this card was closed ( i.e., Account closed at credit grantor 's request. ). I called their customer service twice, but they said it's unable to reopen my card.

This event affected my credit score significantly because of delinquency, and I do want to reopen this card again. Thus, please help me to negotiate with Citi Bank on this issue.
On XXXX XXXX, Harris & Harris Revenue sent dunning notice of a medical debt. The account was paid in full in XX/XX/XXXX, and funds cleared. 

In XX/XX/XXXX, the same collection appeared on my credit report as open and unpaid. This is unfair debt collection practice since this account is a paid medical collection and should not be reported to the credit bureaus. The continued reporting of this account is a violation to HIPAA and should be removed.
I received a letter of collection from HRRG XXXX XXXX XXXX XXXX, Florida XXXX stating that a creditor, " XXXX XXXX XXXX reported that I owed monies for XXXX accounts. I checked yesterday with my health care provider billing department if I have an outstanding balance, or anything in collection or even anything owed to a Contracting Service provider and they said I have a {$0.00} ( XXXX ) balance. That I owe nothing. These stated balances are BOGUS and are nothing more than an EXTORTED demand for money that I do NOT owe. Furthermore, I have not been to a doctor for any procedures for quite some time, nothing more than a routine doctors appointment and certainly no " Off Site '' procedures. I have researched this matter on XXXX and there are many other people with the same problem.
On XX/XX/2018 I checked my credit reports and noticed an entry from CBE GROUP. I was never notified by the company and this is a violation of the FCRA. I also sent CBE GROUP a cease and desist letter and they are still reporting a collection on all three credit bureaus. Please see attached cease and desist letter.
XXXX/XXXX/17 -- Called Bank of America ( after receiving MANY calls -- -at least 3x per day and a letter in the mail ) to negotiate the debt I owed. Told the customer service agent that I only wanted to be contacted via written communication and no more calls. They wanted to negotiate MY debt based on my fiance 's income which I said no. They pushed for me to provide information on his social security number as well as income. I still said no. They sent my call to an agency that works to negotiate debts down and I had to speak to them even though I did n't want to. I declined their offer also. Since that call I have received COUNTLESS calls per day from Bank of America including voicemails. The two most recent have been XXXX XXXX at XXXX ( voicemail left ) as well as XXXX XXXX at XXXX ( voicemail left ). They also call at inconvenient hours which are disruptive to my life.