WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX use my XXXX ( provided by Wells Fargo bank ) card number ( ending in XXXX exp XXXX ) for recurring charges. 
Since card ending in XXXX expires on XXXX Wells Fargo card company send another credit card ending in XXXX exp XXXX. 

But XXXX has old card number ( ending XXXX and exp XXXX ) on their file. I never updated billing card information in XXXX. Neither I activated new card ( ending XXXX ). 
But still Wells fargo accepted credit card charge from expired card. 

I was sure that since the card has expired XXXX will not be able to charge using old card information. But Wells Fargo card service has accepted the charge on XXXX and XXXX. Since I did not use this card anywhere I did not pay attention to Wells Fargo card account. Hence I miss payment. On XXXX I got billing statement and found that I owe {$91.00} with the late fee of {$27.00}. 
I contacted company customer care and they inform that since my account number remain same they will accept the charges from expired credit card. But when I check my new statement account number it ends in XXXX. 
My question is will credit card company accept the charges on expired credit card.
I had an emergency that i ad to use a ambulance in the road. The ambulance took me to the nearest hospital. I filled all the information so that the bill can be submitted to charity. Most of the bill was submitted to charity, except for XXXX bills. Those bills were sended to a collection agency. The collection agency send me a notification for the medical bills. I called the hospital and gave all the information they needed, and they told the that the remaining bills were going to be submitted to charity. I thought that the hospital took care of the situation, and the debt was discharged by the hospital. After that the collection agency reported the balances to my credit report. I pay the full total of the balance.
There were credit inquiries resubmitted on my report that was taken off last summer due to fraud and they reinserted them without my knowledge or notification. 
The date is XX/XX/2016
The owner of a condominium unit passed away in XXXX of 2011. Since that time, there has been no action taken except for the bank changing the locks on the unit and completing a property preservation in XXXX of 2011. The mortgagee, Freedom Mortgage Corporation ( XXXX XXXX ) has not made any payments to the condominium association since changing the locks on the unit. There has been no foreclosure action initiated by the mortgagee. The association is owed in excess of {$13000.00} not including any late penalties or interest accrued.
After recently starting to seriously work to clean up my credit report I began with the worst item, a bankruptcy on my report. I wrote three letters to XXXX requesting that they verify a bankruptcy on my credit report for the purpose of deleting said bankruptcy. Each time I was told the information they had, had been verified. I 'm certain they used the XXXX verification, probably by XXXX XXXX. I also know for a fact that Superior Court does not share information with third parties. And I also know that with the millions of credit reports they monitor no one from the credit reporting bureau physically drives to the courthouse to collect information about a bankruptcy in order to verify it. So XXXX has sent me my credit report first and two letters afterwards where they stated the bankruptcy was verified and no change was made.
After 1st letter 1st response by XXXX XXXX XXXX, 2017 was to send me copy of credit report ; said I asked for it but I did n't.
2nd letter to XXXX response bankruptcy verified after investigation ; XXXX XXXX, 2017 3rd letter to XXXX  response XXXX XXXX, 2017 ; again verified the bankruptcy after investigation and still no change made to my credit report. I know I can file a small claims suit against XXXX but I can not afford to do this. XXXX does not have the legal right to retain this bankruptcy much less report it. Is there a way for you to intervene on my behalf so I can get this bankruptcy deleted once and for all? I would appreciate any and all support you can give me in order to make this right, Thank you.
Applied for a payday loan on the internet for {$350.00} ; they attempted to charge me 741.92 % interest making my total payments {$1200.00} ; upon research I have found that Green Trust Cash, LLC is not licensed to do business in Indiana. I had paid back {$350.00} by auto draft before I closed the account, and sent them a cease and desist letter.
XXXX XXXX refuse to remove negative information about credit card. XX/XX/XXXX called to settle account rep said nothing owed account is closed with XXXX balance. Months later received updated credit report account reported delinquent with incorrect balance {$2000.00} instead of {$1300.00} ( which I was told was a {$0.00} balance ). Disputed the information denied claim information remains. XX/XX/XXXX tried again disputing information denied. XX/XX/XXXX spoke to credit bureau advised to dispute with XXXX so I did and got absolutely no where. The lady involved from synchrony told XXXX that they will not update my information told me my account was sold to a third party. If I had a problem with the amount in question I had to contact the company it was sold to. I proceeded to ask how will that help with my complaint if my issue is with your reporting not the third party it was sold to. No answer. 
Credit agency tried again reporting as to old remove from file and denied and synchrony updated the file that account information was updated in XX/XX/XXXX and last payment was received in XX/XX/XXXX and I havent done anything with this account. Im so sick of this account its been nothing but problems and everyone pointing the fingers and passing the buck. And in the end Im getting hurt.
My bank has accepted an online check withdrawal for ~< {$30.00} with some cents with only description " authorized by '' my name and my account routing number that I never authorized and dont recognized the payee. I was told that's the industry standard everywhere now by most banks to accept this type of ONLINE BANKING transactions. The problem is that the routing number of each checking account will be retrievable or printed at the bottom of each personal check written. I XXXX online this payee phone # given by my bank. The payee name then showed up on many customer complaints reciting similar fraud withdrawals. Also other entities name with similar instances such as, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, etc. There should be a law to prohibit this transaction ever approved by any banks by submitting bank routing number and name only. There is no owner 's signature on file authorizing it. The fraudulent activities occur involving small amount of money stolen under 50 $ from many online bank accounts easily. Where is our consumer protection on this?? Please look into this and warn the public. If the banking law doesnt change, public could never provide their checking account for their automatic withdrawal with safety as thieves can withdraw on their public checking account easily by copying their name and the account routing number. This is NOT RIGHT!! Public beware!! I am closing my checking account. 
Thank you.
I spoke with XXXX on the XX/XX/XXXX and she put me on hold for 15 minutes stating she couldnt find anyone to help me but she gave me the number to XXXX who handles their bankruptcies. I told her that XXXX didnt report to the credit bureaus, JH Portfolio does. So she suggested I call back later to see if I could get someone to help me. 

I called again on XX/XX/XXXX and spoke to XXXX again. She put me on hold and came back to say that her supervisor says its supposed to report as an open collections account and it will stay that way until its discharged. I asked to speak to her supervisor, XXXX, who said they send the same code to each credit bureau and theyre supposed to be reporting the same way. She stated that it will stay in open collections due to my agreement with the courts.
I get repeated calls from Capital Accounts regarding collections for a medical debt of ~ {$50.00} ( from XXXX XXXX XXXX XXXX XXXX in XXXX ). I have formally disputed the charge, as I do not agree that XXXX XXXX    XXXX should have sent any bill at all. I have always paid all my bills, and of much larger amounts.I keep getting calls, and I have repeatedly requested agents from Capital Accounts to stop calling me. However, they keep calling, and are rude, and it seems their only goal is to harass me. Here is a brief summary : 1. I have a child with XXXX XXXX, and it takes specialized experience in dealing with such children to be able to Consult and treat them 2. When I took my daughter ( my son 's sister ) for her annual exam, I inquired at the office, and they informed me that their doctors have experience and will be able to examine my son 3. When I visited them with my son, the doctor was unable to do any exam on my  son and finally gave up saying he needs to be examined under XXXX. 
4. They handed me a 'treatment plan ' that required me to pay thousands of dollars. 
5. Subsequently, they sent me a bill saying that since they were not able to do a comprehensive exam ( which is covered by insurance ), they called it a limited exam. My point was that the doctor never really examined the child at all - and the doctor clearly had no experience dealing with Children with XXXX XXXX. Something the office made me believe to set me up for the appointment. 

In light of the above, the charges on this bill are fraudulent, and I should not owe them.
XXXX XXXX XXXX lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX ( showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX XXXX years later! There are no late payments or fees involved and clearly this is erroneous.
XX/XX/2018  XXXX XXXX (CHASE customer service person on the phone help line)  advises my interest rate is increasing 150% - and although I tried to "opt out" of the increase, I was advised that the period to opt out has expired.  I received NO prior notice of an increase and CHASE said I couldn't opt out.In retaliation - I have cancelled my CHASE FREEDOM credit card and expect to pay off the card as oer the original terms of our agreement - despite CHASE advising they are increasing my interest rate 150%.
I took out a loan with Inbox loans awhile back and it 's getting harder for me to pay back the loan on a weekly basis I have XXXX kids and a wife we are barely makIng it and struggling to buy food for home, we do n't meet the criteria for food stamps according to them I make too much ( they base it off of my gross as to which I do n't bring that home ) for XXXX loan we did n't think we would get hit with XXXX interest. As we speak my rent is due and car Payment and looks like we will in the negative when we do these not to mention next week inbox loans will be deducting there XXXX again. Also I ca n't access my schedule payments list or log into inbox loans to see my agreement either. It asks for email and last 4 of social security number and I keep entering it but not see either the contract nor my payment deduction schedule. I used my wife 's email as I do n't remember my log in crediantals
I used my Discover It credit card to use XXXX service. One of the service was getting XXXX ( XXXX ) XXXX ( XXXX XXXX complementry ). Since, I did n't use the service. I initiated dispute ( s ) on XXXX/XXXX/2015 along with another XXXX disputes for the same merchant. This particular dispute was never responded by the merchant and after 45 days my dispute was closed by Discover and I had {$170.00} posted on my account. On XXXX/XXXX/15, Discover updated my account one more time and reversed the credit of {$170.00}. 
The receipt submitted by the merchant does n't show that I received all the XXXX XXXX. I have made every attempt to explain this to Discover customer service supervisors but they said they need a proof of service. If I never received the service how can I give them a proof? I asked them to get a proof from merchant, if merchant can explain that I have received a full service. Of course, merchant has no proof since I never received the full service. Merchant only sent them a copy that shows that I paid {$170.00}, which is required to pay before to get future service. You have to go XXXX ( XXXX ) different times with minimum of one week gap to get a one XXXX at a time. 
I have n't used the full service of this XXXX program and I all want is the portion of my money back. I should n't be paying for something that I have never used. 
Most importantly, how can Discover reopen my closed claim and charge me back after 3 months and 9 days. They say, it takes 30 days to get to decision of disputed transaction but in this case we are talking about 99 days. 
Is this a fair practice for a customer?
I opened a business checking account at Bank of America before XX/XX/2018. When I opened the account I used a bonus offer by Bank of America for Business Advantage Checking Accounts. ( See attachments. ) To earn the initial {$1000.00} dollar bonus. I had to open a business Advantage Checking account and deposit at least {$50000.00} in the first 90 days and open and spend at least {$2000.00} dollars on a small business credit card. I did both of these things ; however Bank of America is refusing to honor their offered bonus. My Bank of America banker has told me in email that I successfully completed all the requirements for the offered {$1000.00} dollar bonus.
XXXX XXXX reported my account 30 days late to Equifax Credit Bureau for the month of XX/XX/XXXX. The payment was due XX/XX/XXXX. Our insurance company submitted the " payoff '' check to XXXX XXXX XX/XX/XXXX and it was cashed by them on XX/XX/XXXX, thus it was NOT 30 days late. I am submitting back up documentation showing the motorcycle was paid off prior to the 30 day late date. I even called them to make sure I was okay not making the XXXX payment and they said as long as they received the check by the XXXX day I would be fine not to make any additional payments. 
XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.
Hello, My initial loans were federal loans, which I then consolidated with one of the larger companies ... XXXX XXXX, I believe. Seven years ago, my loan was bought by another company, American Education Services. The main problem I am having is this : Many months, I would send in more than the minimum payment, typically {$20.00} or so. Some months ( only a handful ), if I had forgotten that I made a payment already, I made two full payments of {$130.00}. About two months ago, my minimum payment was raised from {$130.00} to {$290.00}. This is due to the ORIGINAL consolidation terms being a balloon repayment plan. ( That is a whole other story to get into later ). 

I started looking into my loan payments and balance amounts at this point, however, and realized that for almost two straight years, not a single amount of my monthly payment went toward the principal of the loans. During the other years, anywhere between 5 to 7 of the 12 payments during those years saw the same situation - not a single amount of the payment going to principal. 

I sent them an email questioning them on this, and they send back some XXXX information about how, in their opinion, they do not have to put money toward the principal, that they can allocate the money toward interest for the next month.
Admin recovery , LLC called me today XXXX/XXXX/XXXX at XXXX. I blocked the number because I have spoken with someone from this company in the past and asked them to stop calling me. Someone named XXXX then called my husband 's cell phone at XXXX XXXX and told him that they were a debt collector and needed me to call and left his phone number XXXX XXXX XXXX. My husband texted me the information and I called the number back. The guy was very rude when I told him that I was on the do not call list. He asked for my last 4 social numbers and I provided it to him and then he started yelling at me. I told him it was illegal to call my husband who is not a joint owner of any debt of mine. We got into a shouting match and I told him to remove both my and my husband 's number from his registry. He said it was not illegal and that he would keep calling until the debt was resolved. I hung up in his face after that. I think it is illegal for this company to be calling anyone besides me about my debt. They ca n't call my husband or my family and I want this to stop, hence the complaint.
On XX/XX/XXXX I purchased a Visa reloadable card and loaded {$500.00} on it at XXXX. Upon opening the intact packaging, I found the card was demagnetized, the magnetic strip already heavily damaged. The card had clearly been tampered with somehow by a thief intending to steal the funds. I called to have a replacement card sent and the initial card deactivated. US Bank 's representative and the supervisor, XXXX, refused to waive a XXXX fee, despite the fact that it was no fault of mine that the card already came compromised.
Equifax inadequately secured my personal information and my personal data was obtained by malicious parties which endangers my financial situation. I am at risk for identity theft and fraudulent activity by others as a result of this security breach.
On XX/XX/2016 Finance Systems Inc. ( Collection agency ) Discussed a medical collection with a third party without my consent about a debt on my credit report.
Because our business transitioned from a XXXX to an LLC, I had closed a credit card account with Wells Fargo for our business which still had a balance owed on it. I set up auto payments and overpaid the bill by {$1600.00} mistake. Since XXXX 2016, I have been trying to get the money back from Wells Fargo into my bank account. It has been a series of misguided directions, XXXX checks that were sent have not been received because they mailed to the wrong address. I finally received XXXX check this week ( XXXX XXXX ), that I tried to deposit only to find out that Wells Fargo put a stop payment on it. I have completed every direction they have given me and yet I still have not received the Money that they owe me. This whole experience has been incredibly difficult. It appears to me that Wells Fargo is deliberately misprocessing and delaying the return of funds that are rightfully ours.
I am resubmitting my complaint cause as of your last response you are closing the complaint XXXX about CITIBANK. Not sure why close it unless this is the process. CITIBANK is lying. see informaton. 

I purchased a plan from sealand travel in XXXX and used. However when it showed up on my cardin XXXX it appeared that it was a rental and so I put a dispute on the charge. I spoke with XXXX in XXXX and informed them I had researched and the charge was correct. They informed me that the credit card company would get their money. I spoke with the credit card company in XXXX and they informed me they had not received any money. I called XXXX back again and they informed me that they should be getting paid but they would put in information to make sure that they money would be sent. I spoke with the merchant in XX/XX/XXXX and again I was informed they had received no money. I spoke with the credit card company XX/XX/XXXX and they informed me they had done all they could and I was responsible for paying them and that VISA had the merchant money. They informed me and the merchant that they would have to get in contact with VISA. After XXXX spoke with a supervisor, they claimed they were working on the problem and would let VISA know the money needed to be cleared but that was all they could do. 

As of XX/XX/2018. I have spoken with the merchant, they have not received any money. They spoke with their bank, the bank has not received any money. Citibank sent me a letter and email explained the reverse charge. I called Citibank again XX/XX/XXXX, I was informed by their rept that an investigation has been open caused THEY HAD NO IDEA WHERE THE MONEY WAS!!! THEY INFORMED ME THE LETTER WAS INCORRECT. So I feel Citibank is still lying. I am paying them for money that has not beenb sent out. The merchant has no money from citibank. I even get citi bank and the merchant on the phone together and the same results. XXXX banks comes back with they have to look into the matter. How many other people are they stealing from?? Yes stealing. I am paying them for something that they can not explain. Why not get the money from the merchant and send it to me? The merchant even told them to refund me!! So no this is not exceptable nor is it the truth., Again I have spoken to them several times and they can not produce anything about the money. Why not let me speak to the merchant bank. 

I mistaken put XX/XX/XXXX on previous letter I sent you. I spoke with them XX/XX/XXXX with merchant.
I have attempted to obtain a free copy of my credit report based on being denied credit in the last 30 days. When I attempted to go through Equifaxs automated system, I was transferred to an agent who verified my identity. She then says she has to transfer me to a specialty department ( Consumer something ). I am left on hold and never transferred. I called back and had to re-verify my identity only to be placed on hold for the specialty department and then subsequently the call dropped. Equifax is attempting to treat me differently from other consumers because I have filed complaints about their reporting. I would like a free copy of my credit report immediately. I would also like for them to investigate two disputes I have regarding the following accounts : Chapter XXXX bankruptcy - requesting early exclusion as it is less than 45 days outside of the 10 year mark. 

XXXX XXXX - too old to be reported. It has been over 7 years since the date of 1st delinquency in XX/XX/2011. 

My rights are being violated by Equifax. XXXX and XXXX are reporting accurately however Equifax is discriminating against me in a retaliatory fashion for submitting complaints about their handling of my consumer report.
Portfiolio recovery Statement to terminating investigation dated XX/XX/2019 stating they need more information,? how can they validate and report a alleged debit if they don't have information in there own statement enclosed I never received anything but this letter