WillisBack/dataset-financial-user-claim huggingface dataset:
I have a line of credit with TD bank. I pay the balance via online pay at  onlinebanking.tdbank.com usually 2 wee ks early.   I paid the entire balance that displayed on the website of {$4000.00} on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX , I noted that there was a {$20.00} charge on the line of credit. I presumed that this was an interest charge. I paid the {$20.00} and there was an immediate {$5.00}. I called  TD Ba nk and spoke to  XXXX , then her supervisor  XXXX   XXXX  (  XXXX  ) at  TD B ank explained that there is no way to see the entire balance. As a consequence, my balance accrued interest in the amount of {$20.00}.   Once I paid this balance, there was anther accrued interest of {$5.00}.   The only way that customers must call to find out the true balance is call.   This, I believe, is deceptive practice, as I have accrued interest on a balance I did not know existed. This is a hidden fee that is unfair. I do not think I owe them any interest and have asked that they refund the {$25.00}.    TD B ank should be required to show the entire balance owed to ensure that are not deceptively charging customers for hidden balances.
Upon reviewing my checking account with PNC Bank, I noticed XXXX transactions of {$50.00} each that I did not make which posted on XXXX/XXXX/15. I filed a transaction dispute with PNC ( reference number # XXXX ) and was issued a provisional credit of {$100.00}. When I contacted the bank about the dispute, I was told I could contact the business ( XXXX ) directly at : XXXX and try to find out additional information on whether or not the pre-loadable XXXX card was purchased within a store or online. I contacted XXXX & gave them the XXXX card number of the card ; however, due to " security concerns '' the representative on the phone was unable to give out the full XXXX digit card number, and referred me back to PNC. When I contacted PNC & asked for the number, I was told the same thing. I find it disheartening that someone can commit fraud against my checking account and purchase a preloadable XXXX card using my debit card information, yet when I try to find out the full XXXX digit account number listed on the XXXX card, I am prevented from getting it citing privacy reasons. It feels as if the perpetrator who did this is being protected while I am literally paying for his use of the card. All I wanted to do is to trace the source of the card so that I can file a police report & get this person arrested because it would n't surprise me if he/she is committing the same type of fraud against other people.
Experian is reporting the same negative mortgage account TWICE on my credit report. I originally had a mortgage with XXXX XXXX XXXX that I got behind on with my payments. I could not catch the payments up and the house went into foreclosure status. XXXX XXXX XXXX turned this account over to XXXX XXXX XXXX and then XXXX started to report the negative pay history on my credit report. So basically, it appears that I have XXXX negative mortgage accounts, with twice as many late payments showing. I eventually lost the house to foreclosure, and this is also reflected on my credit report. It appears I have XXXX foreclosures on my credit report, even though it is the same house, and not XXXX different houses. It is very obvious this is the same account listed twice, if anyone would take the time to look at the original date opened, original loan amount, etc., but no one at Experian seems to want to listen to me. The worst part is that XXXX mortgage companies are listing XXXX days late payment history, so I end up being penalized for TWICE the amount of late payments. I 've been trying for over a year to get Experian to correct this issue, but each time I file a dispute, I get a letter back stating this has been verified.
On XX/XX/2018 I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$500.00}. I wrote a letter and mailed it certified delivery to Capio Partners LLC and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 

It is now over the 30 day time frame since the mailing of my request to Capio Partners LLC on XX/XX/2018. This company is in violation, they are out of compliance. Under advise, I wish to informed Capio Partners LLC that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
this account XXXX is paid in full the original date it was past due makes it told old to report on my credit I have asked before for a full payment history my contract and the letter of assignment
A few months ago, I received a voice message apparently was about my Barclay Credit Card. I returned their call to clarify the matter, but the person I talked to started to ask for my personal information including my SSN. Knowing that I do n't have any credit card with Barclay, I readily said that I am not giving any information about myself because I do n't have any credit card with Barclay and I have no intention of applying for XXXX. 
I continue to receive phone calls from them in which I did not pay attention for obvious reasons. Until I heard another voice mail that it was now under fraud investigation. Out of curiosity, I again returned their call. When I asked about the fraud investigation, the guy again started to ask for my personal information which I refused. I told him that I do n't have any credit card issued by Barclay and if there are applications under my name, they should not approved them. 
On XXXX XXXX, 2015, I received a mail from certain XXXX XXXX dated XXXX XXXX, 2015 informing me that their investigation has concluded and the fraud claim has been denied. That, I will be responsible for the payment on the account as well as any applicable associated fees and finance charges. I immediately responded to XXXX XXXX on XXXX XXXX, 2015 informing them again that I did not apply for any Barclay cards and have no intention of applying for XXXX. That I will not be responsible for the payment of any account relating to any Barclay Cards for it is obviously fraudulent. 
When I was checking my credit score yesterday via XXXX XXXX, I was so upset to learn that I have a past due account with Barclay amounting to {$1700.00} which is now XXXX days late with XXXX missed payment and at 86.15 % credit utilization. Apparently, the account was open last XXXX XXXX, 2015 but was just recently reported to the credit bureaus. This account was only added to my credit report after my last update on XXXX XXXX, 2015. 
I immediately filed disputes to all XXXX credit bureaus about this account. This fraudulent transaction had significantly affected my current credit score. Thus, this complaint.
Purpose of this complaint is to show the intentional act by Wells Fargo to damage and cause harm to my credit. 

XX/XX/XXXX on XXXX, and XXXX W.F. stop reporting my payments causing my credit score to drop. 

XX/XX/XXXX due to a family emergency i arranged to make monthly payment 30 days late this timeframe was for two months, W.F. reports XXXX, XXXX, XXXX and XXXX late, the issue is XXXX and XXXX are incorrect they reported 60 day late for XXXX and XXXX needs to be changed to 30 days late. I have my bank statements. 

XX/XX/XXXX to XX/XX/XXXX i struggled with W.F. to modify my mortgage, they refused payments and passed me to multiple agents. Then start the process over again and again. They placed my home in foreclose and this process allowed them to add additional fees coercion me under duress to accept the unlawful fees in order to keep my home. 

Currently my credit report reflects a very unlawful status and its out of my control. I am asking for your assistance in correction this matter.
An account was disputed and removed In XX/XX/2017. it was reinsrted in XX/XX/2017. I do not owe XXXX, XXXX has not supplied any validation of amount owed.
I took out XXXX private student loans in XX/XX/XXXX and XX/XX/XXXX totaling {$30000.00}. Although I never obtained a position in the field that I was studying for, I did have gainful employment. Unfortunately, due to job loss, I had to file for Chapter XXXX bankruptcy. I am now working in a successful position ( still outside of the field in which I studied for ) and my bankruptcy has been discharged, however my student loan has more than doubled. The interest rates on both loans are 11 % and 13 %. This is going to put me back in a very difficult financial position and hinder my ability to pay for my daughter 's college tuition once she graduates from XXXX next year, perpetuating the vicious cycle of student loan debt.
I want a reinvestigation into one of my disputes with the account XXXX XXXX. This item should not be on my credit report and would like another investigation to get it removed please.
Hello, I recently noticed my BB & T Spectrum rewards credit card was no longer working despite having available credit. I reached out to BB & T ( they did not make any effort to call me before placing a block on my card which I use every day ) to see what the problem was. I spoke with someone in Risk Management who informed me my account was under " investigation '' due to my high spending. The card was in good standing with no late payments. A few days after that, with no further contact from BB & T, my credit card was removed from my online account and I now assume it to be closed completely. I support BB & T 's right to close my account, but as of now the rewards that I had earned on the card are not available to be redeemed. It is clear to me that the primary reason they closed my account was due to me earning too many rewards. However, all of my earnings were in accordance with the terms and conditions ( see here XXXX ). 

BB & T never once attempted to keep my account open by asking for verification of income or source of funds documents. They simply wanted to prevent me from carrying out the rest of my bonus spending. I would request that I receive the rewards I was not able to redeem, as well as my " XXXX % anniversary bonus '' ( see below ) From the terms and conditions - 30 % anniversary bonus on Annual Earn when total annual purchases are greater than or equal to {$50000.00} A XXXX percent ( XXXX % ) anniversary bonus may be earned each year after the Member 's Anniversary Date if the Member has made total annual net qualifying purchases of greater than or equal to {$50000.00} during the Anniversary Year. Please allow up to ninety ( 90 ) days after the Anniversary Date for the anniversary bonus rewards to be applied to Member 's rewards balance. 

As you see above, there is a XXXX % anniversary bonus on rewards after reaching the threshold of {$50000.00} spending. Since I reached this threshold and then was closed, BB & T is preventing me from reaching my anniversary, where under their terms I would be rewarded the XXXX % bonus. What is stopping them from just closing all cardholders at 9 or 10 months so no one is able to receive the bonus? BB & T has effectively made a credit card product that encourages higher than normal spending levels, but then punishes consumers by closing accounts no questions asked prior to being able to receive the bonus for reaching said spending levels.
On or about XXXX/XXXX/2015 I opened a checking account with JP Morgan Chase Bank to wit : XXXX XXXX XXXX, XXXX XXXX, CT XXXX using cash from my profit sharing funds from a former employer. After receiving my debit card then received a letter demanding that I provide proof of residence, a utility bill and/or a cellular phone bill. I reside at XXXX XXXX in XXXX XXXX CT which is classified as a boarding house and make weekly payments which provided me with a letter of residence as no lease agreement exists and all utilities are inclusive. I then provided a copy of my cell phone bill which was provided for a nominal fee as the company I am contracted with does not mail out statements they provided on line via e-mail. Neither were accepted. I was informed if did not provide adequate proof the account would be closed. Approximately a week later I attempted to use the bank issued debit card and was informed the account had been closed. I contacted Chase Bank and was in formed that a check with the remaining funds would be sent to my address and the address was verified. I was informed that this action would take 3 to 4 weeks. Having not received the funds I contacted the bank and was informed that the check was sent a trace was needed. I then waited an additional 2 weeks and received nothing. I have made several attempts to contact the bank in question and have only been able to leave a voice mail and NO representative has responded.
I have been paying my Dillard 's credit card online with my same bank routing number and account number I had inputted into the online pay system and saved in the online pay system since XX/XX/2014. The servicing on the credit card changed from XXXX XXXX to Wells Fargo sometime in XXXX 2014. The online pay system information was still the same and my access username and password was still the same. I did n't change any information I had inputted into the system. 

I never had issues with XXXX XXXX when they were servicing the card, but when it transferred over to Wells Fargo, Wells Fargo did not notify me that my payments were not going through and being applied properly. I kept trying to pay online and I would see the money ( payment ) as pending in my checking account, but then disappear and not be deducted after a XXXX of days. Wells Fargo was not taking the money out of my checking account even though my bank routing # and account # information was the same. 

I did not notice this until I got a letter months later saying my account was closed for being in serious delinquency and when I purchased my new car in XX/XX/XXXX, the dealer pulled up my credit score and I had no idea why it was low. It was n't until I checked and it was due to this affecting my credit rating as well. I have attached XX/XX/XXXX XX/XX/2014 's statements so that you can see how they were not applying my payments and did not notify me of this at all. I am still paying my credit card because I do not want this to continue affecting my credit.
XXXX, XXXX XXXX, XXXX has all violated my rights as a consumer costing millions dollars with inaccurate information trying to fix these items fts and police report has been sent but no action its time to make they pay and hold them accountable please advise the best action should I get a lawyer or should I try to resolve this for the 4 month in a row this will be my last attempt file with the XXXX and XXXX police dept which all companies involve have the report numbeers
Experian isnt investigating anything, just responding with letters and false claims of investigations. Specifically I outlined that someone has established an alteranate but similar social security number as mine, I outlined that they are using a previous address to obtain credit and debt, and Experian falsely states they verified an account is mine. This statement is impossible in respect to public records are only verified by last four, so I in my dispute requested that Experian verified the full social security number which they cant so instead they respond with a false verification. Additionally they refuse to investigate a credit card from XXXX XXXX on my credit report that was opened with XXXX not my social security number and not my address.
I owed a small amount on my account to Walmart, I was late on a payment so I decided to pay it online on the Walmart website. Their online bill payment site gives you an option to schedule automatic payments to pay off your bill, so I decided that 's what I would do so that I would not forget to pay my bill again. I scheduled the payments to come out of my checking account automatically every month, and I figured that would pay off my bill, so I was n't concerned with my statements from Walmart since I was paying off my bill automatically, and I noticed on my checking account statement they if fact had been making a monthly withdrawal. Several months after my auto payments scheduling, I received a letter from a credit collection agency that my Walmart account was placed with them due to non-payment. I have called Walmart several times in an attempt to get answers, because I was unaware that I would be getting late fees from them and would be reported for non-payment, the only information I was given was that their online payment scheduling is completely voluntary and that I still needed to pay the minimum amount due. I understand that the payments I scheduled are voluntary, however it is very misleading, I never read anything on their website that disclosed late fees and that the amounts I scheduled for auto payments would not reflect on my account. I now owe twice as much to Walmart due to late fees, if I had known my auto payments would not pay off my account and I would be reported to a credit agency, I certainly would not have set up this so called payment schedule.
Have tried several times to have late payments removed for my accounts, that are in good standing. Have called and written letters but they refuse to remove late payments from my credit report.
Kohls XXXX capital one ) Unlawfully reported a credit account # XXXX on XXXX that is NOT mine as social security numbers do NOT even match. Kohls XXXX capital one ) violated FCRA and state and federal laws and will be turned over to United States Attorney 's Office for criminal charges against Capital One and Kohls. As of today XXXX XXXX 2015 Kohls and Capital one owes me {$1500.00} for the FCRA volation and {$5000.00} for the punitive damages to my credit report and FICO score.
The mortgage service company Loancare accepted my XXXX payment, but did not credit my account. Despite several phone calls they started sending certified mail threatening foreclosure. I made 3 payments in XXXX, but the notices continued. I have now logged over 30 hours on the phone with this company and provided my cancelled check image 7 times. They repeatedly promise to look into the issue or elevate the issue, but now its been 3 months and they still have my money with no credit to my account.
I set up a payment of XXXX - the statement balance - to be paid on XX/XX/XXXX prior to the due date for the statement. I confirmed that this payment was set up more than once. I am sure of this as I was closely watching my XX/XX/XXXX spending and went into the site to verify the amount and date of payment for my personal spreadsheet tracker. The website did not pay the amount. I also did not receive notifications about the account being due as I had previously set up and received in the past. I have sent multiple messages about the XXXX interest and XXXX late fee and how it should be removed. The website regularly does not work - I have had issues trying to download statements or make payments.
Convergent was trying to reach me about a cell phone bill due and was unable to get in touch with me. Since they were unable to get in touch with me, they called my sister. An employee left a message with my sister to tell me to call them
OnXX/XX/XXXXXXXX XXXX XXXX reported a late payment on my account. This occurred while I was enrolled in automatic payment. The issue is, at that time, their automatic payment system charged a set amount every month and did not change to cover the minimum payment due. Sometimes I automatically paid more than what I owed ; and some other times, as in this case, it paid less. This type of payment set up is obviously different than the standard used in the industry. Moreover, XXXX XXXX XXXX failed to inform me that the automatic payments made through their website was less than the amount owed. I took extra step to pay the full amount owed after I noticed the error. For these reasons, I believe this error is due to a failure to collect from an unusual automatic payment software. I am therefore launching this complaint to have them 1. Changed their payment process to allow automatic minimum amount due as opposed to an arbitrary set amount and 2. Remove the late payment from my  credit report for the reasons above.
I wanted to make an extra payment to paydown the principal on my student loan. My autopay comes out the XXXX of each month. On the XXXX I logged into the AES website to make an extra payment of {$5000.00}. During the payment process I did not get the option to determine how i wanted my payment applied ( paid ahead vs paydown ). I only had the option of which loan ( I have XXXX ) to apply. Months ago I had spoken with another representative that told me I could make additional payments at anytime and it would not interfere with my autopay. Since this company lies after making the payment I emailed the company to confirm how my payment was applied and if my autopay was affected. I got an email back confirming that my autopay was not affected and that my payment was PAID AHEAD. I got this email on XXXX. I called on XXXX to ask why my payment was paid ahead and not processed as a payment. The rep told my I had to request paydowns IN WRITING THROUGH THE MAIL. It 's 2017. I should not have to request a paydown in writing. My XXXX other loan servicing companies do not request this. AES 's payment screen is both limiting and misleading. No where on the payment screen or in their payment processing conditions does it indicate that a paydown must be requested in writing. On XXXX links located on the payment screen AES indicates that this is the payment application : Accrued interest & gt ; Late fee ( if applicable ) & gt ; Current principal balance.
I have used moneygram before. I was trying to send money online and the agent told me in a chat session that my account was frozen and I would have to go to a store to do the transfer. I ask why it was frozen and she said they would not tell me. In addition, she said once it was frozen I could neve send money online again. I think I deserve to know why they are penalizing me since I have a perfect credit score.  This just does not see like it should be legal.
This company has been asked before not to call my work, as it could result in me losing my job. Today by XXXX they called 6 times. The caller also revealed details of the debt to the receptionist that answered the phone.