WillisBack/dataset-financial-user-claim huggingface dataset:
I received the card statement attached below after the due date, which due date was XXXX XXXX XXXX. I am not sure if it was sent to the wrong place or if it was sent to a neighboring house and they realized but it appeared in my mailbox after the due date. Due to this I went online to create an account ( I believe on either XXXX/XXXX/XXXX or XXXX/XXXX/XXXX ) to attempt to pay the card issuer Capital One but by then it already had a late payment penalty of an extra {$28.00} on the card, min due was {$59.00} and online it was showing {$87.00}. Because of this I ended up calling to try to resolve the issue with the card issuer. I spoke to an initial agent she said she would be happy to waive a late payment fee due to the situation and especially it being the first payment and given my situation. I replied thanks and that this should be the only time since I am now registered online and can check and pay bills before the due date moving forward. She then assisted in helping me pay the statement that was sent late & I paid {$60.00} on XXXX/XXXX/XXXX. I then asked for what my next payment would be on XXXX XXXX and she said {$87.00}. After several minutes of discussing & doing math I explained that I was still being charged extra {$28.00} I asked her to escalate to her supervisor. After 20 min of discussing the same with her lead XXXX XXXX Id # XXXX ) he said nothing can be done. I explained that surely this situation happens and that I ca n't be the only one who got a statement late after the due date. I went on to try to explain that I was now signed up online so I can check for statements and that due to the error on their end I was asking for a one time grace for the late charge of {$28.00}. He just kept saying that is not how it works and nothing could be done. I explained that the late fee was waived given the situation so why ca n't the Penalty APR because that is the extra they are basically charging for getting something in the mail after the due date. So because of that there would be no way I could have ever paid before the due date because I had not statement to refrence to pay. My account # with them is XXXX. I also explained that I was trying to work with them and paid the statement balance due as soon as I had it in my position.
Fraudulent charge of {$89.00} appeared on my Citicard statement during XXXX, XXXX for a jar of women 's face cream which was not purchased or received. I immediately contested the charge by calling Citicard customer service which indicated that Citicard was aware of the face cream company ( name unknown ) making fraudulent charges. The Citicard rep said she would reverse the charge and suggested closing the card to prevent further unauthorized charges, which I did. While recently applying for a mortgage re-financing, a banking officer informed me that my FICO score had dropped from XXXX to XXXX due to a delinquent balance of {$190.00} owed to Citicard. Further research determined that the delinquent balance was comprised of the fraudulent face cream charge of {$89.00}, plus Citicard penalties and interest. Corresponded with Citicard on XX/XX/XXXX to dispute the charges, but have received no reply to date. Have also copied XXXX XXXX, and XXXX on my correspondence to Citicard.
I have contacted Navient several times, they still have not resolved my PAST dues even thou8gh I have PAID well over the amount due and now they are charging me a fee, and they refuse to RESOLVE.
I have contacted and faxed XXXX, TransUnion, and XXXX   on several occasions asking them to remove the extended fraud alert from my credit report, but they have not removed it. I never gave them permission to place an extended alert on my credit report. I ask that they have this fraud alert removed immediately.
On XX/XX/XXXX I was alerted by XXXX  that there is an open collection against me because it wasn't paid as agreed. The Collection agency is Contract Callers, INC with address XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX. This is the phone number reported on my XXXX  report. I have tried to call this number and its not working, I called XXXX ( Original Creditor name ), they provided an different agency name. I called them again today ( XX/XX/2018 ) and after I told them the name of the agency reported on credit report ( they are the one should provide the agency name, not me ) they provided the Contract Callers phone number, different than the phone number I have on my credit report. 
When I called the Phone number I was provided from XXXX ( XXXX ), the agency couldn't find any record. I gave them My name, address, birthdate and the last 4 digits of my social and they couldn't find any record. At that point with the conflicting information I received from XXXX, XXXX  and the fact that I found about an paid amount from my credit report, I was suspicious of giving the collection agency my full Social Security Number. I have not seen their privacy policy nor a consent that they will not sell or miss use my information. For these reasons, I refuse to share my full Social Security Number. I shouldn't be treated and giving wrong information. The information reported to XXXX is inaccurate including their phone number. This is hurting my credit and my financial wellbeing.
I applied for an BBVA Compass checking account via a bonus promotion on XX/XX/XXXX. The promotion terms were as follows : 1. You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus. 
2. Account must be opened within XX/XX/XXXX through XX/XX/XXXX 3. Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

4. The account must be opened at a branch, online or via XXXX, Option 2. 
5. After the requirements have been met you should receive the promotion within 60 days. I opened my account on XX/XX/XXXX and had an employer direct deposit of {$300.00} on XX/XX/XXXX. After meeting the requirements on XX/XX/XXXX, {$200.00} was suppose to be deposited into my account within 60 days. During this waiting period, I contacted BBVA Customer Service several times to confirm when the bonus would be deposited. I sent 5 secured messages because neither one was being responded to. I finally received a response 8 days later. The bank responded to me via secured message and confirmed that I met the terms and requirements of the promotion but they did not post the {$200.00} bonus. As it is now over 60 days, I have resorted to filing this complaint.
I would like to file a complaint against Capital Accounts and XXXX XXXX XXXX ( Dental Office ). I had XXXX at XXXX office from XXXX XXXX to XXXX XXXX. I paid all my outstanding balance before my final procedure. In the month of XXXX XXXX, I received a call from Capital Accounts that my account is outstanding in the amount of {$720.00} and XXXX XXXX is attempting to collect this payment. This was the first time I was informed of any outstanding due as I never received any communication from XXXX office - no statement or a phone call informing me of the same. I called XXXX office and found that my address was never updated in their system. I specifically remember I provided my new address to them prior to the start of the dental services in XXXX XXXX as I moved to my current address in XXXX XXXX. The office manager XXXX accepted their mistake and told me it is not the office policy to call patients regarding an outstanding payment. I told them to put my account on hold until I gather information from my dental insurance regarding the dues. However, my accout was reported to the credit bureas and my credit score significantly declined. XXXX XXXX 's office failed to communicate to me, failed to update the address and without making effort to contact me submitted my account to collections. My credit score has declined significantly due the failure on XXXX office to follow due procedure. I received threating calls from Capital Accounts every day even after informing them that I am working with the dental office to setlle this issue. I asked them to note that I am working with the dental office however, Capital Accounts informed me that they do not have any instructions from XXXX office. XXXX office on the other hand told me my account was put on hold when it was not done and was reported to the national credit agencies. My credit score has been hurt and my credit score has went down from Excellent to Fair in just 2 months.
I have a payroll check drawn from US Bank. I am not a customer of US Bank and they charge me {$7.00} to cash my check. Is this legal?
Have been charged late fees since May 2016 by BP, Synchrony Bank. I pay my credit cards, online through my bank, and since we are retired and receive Social Security ( SS ) the XXXX and XXXX of each month, I pay them ahead, usually the XXXX or XXXX of the month for the next months bill to avoid late fees. I noticed the above statement for XXXX, 2016 had a late fee. I called them and they said any money they received after the due date, but still in the present month is credited to that month. They consider my payments as late, not in advance. The account was originally made by us with XXXX, not Synchrony. Since I only view my statement once in awhile, I did not realize they were doing this. First I never received a notice stating the change of companies and/or stating the change in payment rules. XXXX never required me to pay ahead in the month it was due. I always enter the date for the payment to be credited for and they obliged. How can I get help about this, since the only one I have been able to talk to is in the XXXX. I asked for a supervisor, the first time and was told I needed to get my husbands permission to discuss it any further. The second time, today, I waited on the phone at least 15 or more minutes and still no supervisor. 
Are there no banking/credit card regulations regarding this to protect the consumer from literally be robbed of funds? Please help. I ca n't find anyone at Synchrony to communicate with.
I was loaned {$4900.00} between XX/XX/2017 and XX/XX/2017. I inquired about refinancing the loan or a settlement option. I submitted a claim about a week ago. I received a response back stated that i was loaned {$7200.00} on XX/XX/2017. That information is not accurate and i have the original contract for verification. I spoke with a supervisor at XXXX and she said she doesn't know where that information came from and to make sure that is was references the right company. I ended my conversion with her a call CFPB. The young lady advised to submit another complaint. 

The last complaint ID is XXXX
When I went back to school, I had no knowledge of student loans. I applied for a private loan with XXXX XXXX not knowing the difference between it and a federal student loan. The primary piece I did not understand was the income-driven repayment was not an option for private loans. I currently have a balance of {$120000.00} in private student loan debt and have a monthly payment of {$1500.00}. This does not include my federal loan debt. 
Prior to XX/XX/18, I spoke with XXXX XXXX a number of times and was told that my payment had to be past due before they would work with me. On XX/XX/18, I finally was allowed to speak to someone about lowering my monthly payment. I gave a detailed financial statement and they asked to speak to my father who is my cosigner. I explained that he could and would not pay on this loan but gave them his details. My father gave his financial statement on XX/XX/18 and he told me they would call me. After not hearing from them, I called back on XX/XX/18 ( I learned that did not have my current phone number on file ). I was told I could enroll in auto-debit to lower the interest rate by XXXX and skip my XX/XX/XXXX payment. This is an offer I had read about online and knew about so I told them it would not work and hung up. I needed to reduce the monthly payment amount considerably. I called back on XX/XX/18, thinking perhaps there was an option where I could extend the payment term or move to a graduated repayment plan. I was told unequivocally that was not an option and that all I could do was put the loan in forbearance for a month and apply to refinance at another company. I checked at XXXX, XXXX, and XXXX XXXX   XXXX. All have said I would need a co-signer that I can not get at this point for that amount of debt. The representative was polite and as helpful as she could be given the situation. Her employee number is XXXX and the confirmation for my forbearance payment is XXXX. 
I want to pay on this debt but I am not receiving any real help in lowering the monthly payment. I make XXXX/yr and have upward mobility in my career. I do not like not meeting my obligations. That said, I am at the point where I am beginning to think my only option is to try and get the debt settled through bankruptcy. 
Please, please, please help me!
I am a victim of identity theft. I have filed numerous police reports with the XXXX Police Department in regards to the fraudulent accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. I have sent copies of the police reports to XXXX XXXX, Equifax and XXXX. The following accounts and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$1000.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, {$260.00}, XXXX/XXXX/XXXX, XXXX, {$130.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
I have been trying for years to resolve two fraudulent accounts opened in my name with XXXX XXXX XXXX XXXX. I have even paid with settlement amount to pay one of the accounts that did not belong to me to resolve negative effects that i have been suffering since this negative accounts are on my credit report. I am a XXXX XXXX. I can not pay someone else 's bill due to my limited income. I am poor, and just can't do it. XXXX XXXX XXXX has done nothing to correct these errors. I have requested validations for both of these accounts. XXXX XXXX XXXX has sent none because there is none. I have even sent in police reports on several occassions. I am tired of suffering from the hands of XXXX XXXX XXXX.
Purchased a car XX/XX/XXXX from XXXX in XXXX that was financed through santander consumer usa. i lost my job XX/XX/XXXX and fell behind my payments XX/XX/XXXX. Santander repossessed the vehicle without prior notice on XX/XX/XXXX and sent me a certified letter dated XX/XX/XXXX which i received a several days later. I called them at XXXX that morning and the rep i spoke to had no record of the car being repossessed and told me to call back. i called back at XX/XX/XXXX and was told they have the car and i had 10 days to pay XXXX to bring the loan current and keep making my payments or the car would be auctioned off. I made the payment on XX/XX/XXXX and they at that point informed me that the car was already at the auction site which is over XXXX miles away. Instead of bringing the loan current as earlier discussed they went ahead and charged off the loan and added collection fees.
Hello I've been a customer with the Bank for 5 years and i started out with a XXXX secured credit card. I have been paying on this card for 5 years and I haven't reached my balance yet although my card has been close for 3 years ... I have paid over XXXX in late fees with this bank. I have exhausted all of my opportunities for reaching out and trying to get a settlement for this account but they refuse to help me ... I am currently paying on this card now and Im exhausted.Please Help
There was a computer glitch that was TransUnion 's problem, not mines, that caused all of my inquiries to be deleted. I then noticed that TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them to my report. I have contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I called on XXXX XXXX, 2017 at XXXX and on XXXX XXXX, 2017 at XXXX in dire need of assistance of getting this corrected. Both representatives were rude and abrasive and the second call on X/X/17 I asked to be transferred but was disconnected on after being on hold for a very long time.These inquiries add a hardship and that your rights were violated by TransUnion. I truly seek and ask the help of CFPB to help me in an effort to make TransUnion stop victimizing me.I do request a full resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Requested Transunion original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.
I had XXXX student loans from XXXX on my credit report. I was contacted by someone named XXXX from their company in XX/XX/2014 telling me there was a new government program that would remove all the student loans from my credit if I successfully made 6 months of payments, as long as I email him stating that I would n't dispute the loans. I set up an autopay from my bank account to pay my loan and ended up speaking to them again, where they offered me a forbearance period. During this time, they sold my loans to Navient without me being aware. My autopay stopped paying my loans to the new lender and I ended up getting 6 months late on my credit report as a result. Since then, I 've fully paid off all my student loans and am in a terrible situation because I now have XXXX 6 month lates on my credit report.
on X/XX/17 at approximately XXXX XXXX, I received a call from XXXX ( from XXXX, AZ ). I did n't answer it and a message was left. The message said " This is a final courtesy call from the Weinberg Mediation Group before reporting that you have been uncooperative in the investigation against you I 'm extending you one last chance to contact our office if we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the parties involved our office number is XXXX when calling please have your file number ready. Thank you. '' I do n't owe any money aside from my credit cards and car lease, which I pay. This man who left the message sounded ominous and scary. He had a threatening tone and I do n't even know what he 's talking about. About 10 minutes prior to the call and the message being left, I received another call from XXXX ( North Dakota ). I 'm assuming both of those calls came from this " Weinberg Group. '' I did n't answer that one either and in that call, a message was not left. I blocked both those numbers and am filing this complaint, but I have a feeling they have plenty more numbers which they can call and harass me from. If they have the information they say they have, they can send me the information through the mail with actual information on it. They are not entitled to a fishing expedition and extortion tactics.
The Cadle Company, Assignee of XXXX XXXX, XXXX Assignee of XXXX XXXX XXXX XXXX, placed a wage garnishment on my salary, without appropriate notification. Furthermore, I did not open an account with XXXX XXXX XXXX, which is now owned by XXXX. My identity was compromised and my social security number was used to fraudulently to open numerous accounts. I was initially sued in 2008, while away at training for the XXXX XXXX XXXX XXXX. I was not able to defend myself for this allegation of owning money to this company. I was also never given the chance to dispute the validity of this account. They are required by law to produce documents, such as the original agreement. I spoke to XXXX XXXX at the Cadle Company and she was very rude and would not provide any information on rectifying this situation.
I recently purchased a credit monitoring plan online and was shocked to see an account from a company that I had never used that had been turned over to a collections company. I called the collections company and they attempted to collect the debt listed, which is NOT mine and I explained that to them. They said to call the original creditor and I did that. When I called the creditor, XXXX ( XXXX ) a telephone/cable company, they took the account number that I had been given by the collections company ( XXXX XXXX XXXX ) and asked some information. They did NOT have my SSN, they had an address at which I have never lived and they had a DL # that did NOT end in the same XXXX digits as mine does and the last XXXX of the SSN did not match mine. HOWEVER, this item is showing up on MY credit report, saying I owe roughly {$480.00} and that it has been turned over to a collections agency. My concern and question is, HOW is something allowed to be placed on my credit report ( both Experian and XXXX ), and negatively affect my credit, if they do n't have my SSN? I am being passed from XXXX to the collection group, XXXX XXXX XXXX and all they want to do is to try to collect on the outstanding debt that is NOT mine. I need help.
I believe that I have been a product of predatory lending XXXX XXXX XXXX XXXX and currently goes by the name of Bridgecrest. I purchased the vehicle from them in late XXXX for XXXX. I have been paying on the vehicle since then and as of today 's date I have already XXXX. The company states that I still owe XXXX dollars which is predatory. I was never told that I would be paying of XXXX for a vehicle that was work less than XXXX upon purchase. The sales person also stated that I would be able to pay the vehicle off early but when I called the lender they stated that I could n't. The sales person also stated that I would be able to refinance the vehicle with the lender and when I called to try and refinance they told me that I also would n't be able to so. When signing the papers the sales person had me thinking XXXX thing but eventually turned out to be a bunch of lies and untrue sales tactics. I have already paid for this vehicle more than twice and they said I still owe over XXXX dollars for a XXXX XXXX XXXX XXXX with XXXX XXXX miles. Research indicated that this company has been predatory with there loans and tactics for many yea years to make astronomical money and taking advantage of customers. I want my money back for inappropriate sales tactics and predatory interest rates. This is injustice to all consumers. They need to be shut down.
In  XXXX  of  2017 , I noticed that there was a tax lien showing on my credit report. I immediately contacted the state of South Carolina, who it was showing filed the lien. They filed an expungement with the court house and sent me the documentation stating that it had been expunged. I then filed with all   XXXX   credit bureaus to have this removed from my record. Equifax is the only company that refused to remove it from my record. After receiving information that they would not be removing it, due to their investigation, I called Equifax on  XXXX   XXXX ,  2017 . I was told over the phone, on a recorded phone call, that this would be completely removed from my record. However, over 30 days later, it had not been removed. I then made a second call to Equifax on  XXXX   XXXX ,  2017 . On this phone call, I was told that I should have never been told it would be removed. I even spoke to a manager. I was told to write a letter and submit my evidence again. On  XXXX   XXXX ,  2017 , I submitted a letter to Equifax, along with the expungement letter from the state of South Carolina. On  XXXX   XXXX ,  2017 , I received a letter from Equifax stating that they still would not remove it from my account.