WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a long time user of Citibank NA. i have been depositing income from my personal job, which is not steady in any way. Citibank delays my account fund and makes a small amount available as normal. Ive made deposits and payments to my accounts to make sure that my bills are paid with this time lag. recently however, they have delayed or put holds on my deposits for a week or more - causing multiple overdraft fees - even when it shows pending deposits. they return the payments as a credit - charge a {$34.00} fee each time and then shorten my funds and keep extending the time for my funds to be available. right now almost {$200.00} in overdraft fees have been assessed and ive had to re apply multiple payments to my bills. I went to two different branches to try to speak to a manager to address their issues and policies. The teller staff informed me that their policy is to delay funds due to their no direct deposit nature - that my account is inconsistent and they cant help me in any way - that i just need to change my payment due dates. I asked to speak to a managers - both we were busy despite my wait time. i requested call backs from both and neither complied. I am going to seek a new bank and begin the transfer process but i do want to make this complaint to be addressed. being self employed should not be punished this way - or ignored.
TransUnion , LLC reported to me in a letter of XXXX XXXX, XX/XX/2015 that they responded to an an " Employment Disclosure Report '' request from XXXX for a job position I applied to. They reported as a Public Record Information that a XXXX was entered against me XXXX in a XXXX Court ( does n't say where or what State ) under Docket # : XXXX by XXXX in the amount of $ XXXXThis information is totally incorrect and false. 
I have never been sued or had a judgment against me. This is someone else 's information. I will state if " their incorrectly reported information '' costs me this job opportunity, I will be suing TransUnion , LLC myself in a XXXX Court of law for damages.
Have a Care Credit Account thru XXXX XXXX. My contract on XX/XX/2018 states 24 months deferred / no interest if paid in full before the 24 months are up. 

XXXX XXXX is charging me interest every month and changed the contract after 1 month without notice to me and that is illegal. That is not the contract I signed in the beginning or agreed to as I have attached the contract I signed on XX/XX/2018. 

They owe me as of today XX/XX/18 {$630.00} in interest fees charged. Plus interest charged after this date. 

I want my interest refunded to my account. 

XXXXXXXX XXXX  refuses to give me a copy of the contract says it will take them over 40 days to find it ... really.
Mortgagee is refusing to release insurance funds to contractor to start work on my house which was destroyed by fire in XXXX 2014. There was a partial explanation as to why this is happening and we have been unable to get an audience with the XXXX XXXX XXXX XXXX XXXX Dept. after numerous calls for an explanation. Each department claimed that the issue was to resolved by the other and no one took responsibility for taking care of this matter. They stopped taking the monthly debit payments without an explanation and refused to take a payment by check for several XXXX dollars which was taken to them in person. According to them, fees of some type was omitted when our modification was negotiated with XXXX which was denied an adjustment at that time and now they are apparently trying to add to our forced arrears. XXXX XXXX '' ]
I have 4 accounts from appearing on my Equifax Credit Report that are reporting incorrectly. The accounts were deleted from my report initially upon filing a dispute, but the 4 tradelines have been reinserted without proper notice from the creditor or the bureau that is legally required. This is a clear FCRA violation of section 611 ( a ) ( 5 ) ( B ). I have also requested method of verification from the bureau to which no response was received in the legally allotted 15 day timeline. If this is not resolved, I will pursue litigation. I have confirmation of receipt and copies of all original communications with this bureau.
My name is XXXX. I am a veteran and the lawyer from VA recommended this website to me to file complaint. Currently I am facing a foreclosure issue with my mortgage company. I used to have my mortgage with XXXX XXXX XXXX, and I never had any problem with them at all. However, since they sold my loan to Nationstar Mortgage LLC, the nightmare began. My due date is XXXX of each month, they kept calling for payments in the beginning of every month. When I told them that I have made my payment already, they would just hung up on me. I have always paid my mortgage before due date, but they just posted the transition after my due date to charged late fee. For that reason, I needed to make my payment a week before due date to avoid late charge. Started last year, they added a liability insurance to my mortgage. I own a condo, and the insurance is included in my HOA payment. So I called and sent them copy of my insurance with all the details few times, and they said they will look into my account. In the meantime, I kept paying my original payments on time. Three months ago, I tried to make my regular payment online as usual, but their website wo n't let me to pay. Then I called them again and tried to solve the problem, they told me I have to pay the insurance that they added plus late charge and interest with money order. I have been called and discussed with them this few months. However, they just sent me a letter this week, and tried to push my home into foreclosure. 
If you check their customer review on XXXX, you will see they have been doing this to a lot of their customers. Unfortunately, I am one of them now. Can you please look into this issue and let me know how could I solve this problem.Thank you.
Our escrow has not been adjusted appropriately. We acquired our home XX/XX/XXXX. We currently have a mortgage through LOANCARE. Taxes at that time were {$3100.00} annually because the home was rented out. The taxes were paid by seller for XX/XX/XXXX as part of our closing agreement. We applied a homestead exemption immediately so we could get a tax break for XX/XX/XXXX. Taxes for XX/XX/XXXX totaled {$1600.00}, which is significantly less than XX/XX/XXXX. No adjustment was made with regard to how much money the bank is collecting for escrow account. I have requested this change via email, fax, and telephone, and have not received a response from LoanCare. Very poor customer service.
( XXXX ) I have gone through credit card XXXX. 
I am a victim of the Wells Fargo credit card issue. I had a good credit score. I got a call from a repres there who told me that a credit card for XXXX was being processed for me for. When i questioned the rate it was XXXX first year and XXXX to 28 % afterwards. Things were Not clear. I did not want it. I deserved a better rate with my score and wanted out or a lower rate and it was impossible, i was transferred and put on hold, was told No and ignored. The payments escalated, i paid to avoid my credit being damaged but it was just too much. 
______ ( XXXX - XXXX XXXX XXXX XXXX issue. I always paid them. My balances were fluctuating and i could not get answers. Due to unexpected car repairs i phoned them to just say that the payment would be late and to make arrangements. I was denied. I made payments anyway. Then i received statements showing payments made and then reversed. They could not explain. I kept requesting info and was refused. I kept making payments and in XXXX received a call from XXXX stating that they would no longer accept them. They refused my payments and began harrassing me by phone. XXXX to 30 calls a day. When i told them to stop, they assigned my acct to. XXXX and XXXX. I requested statements etc ..., no info. By accident learned of court date 2 days before. Attorney said show up..guess what? No docs received and no notice of court call. XXXX was not present for roll call and judge said that she could not hear my side. She did not know i was a pre law student who knew better. I was finally able to get a XXXX repres to send me statements nd guess what? Over XXXX was charged ( Identity Theft ). XXXX refused to acknowledge and pursued filing a judgement against me. XXXX had never had problems with me. I paid.
I have a paid State tax lien and it is suppose to come off XX/XX/2017 and it is stopping me from getting a good interest rate on a home. I have disputed many times with no call back no report it just says lien verified.
Debt being reported as an open collection despite the fact the debt was included in bankruptcy. Company was notified XXXX XXXX, 2014 of this fact and was provided case number an copy of filing which included this debt in the bankruptcy proceedings.
XXXX XXXX XXXX has been calling the home of my mother, XXXX, for some time. My mother who is an older XXXX woman has told them that I no longer live there. XXXX XXXX separate occasions, XXXX was XXXX/XXXX/15 and another time, on XXXX/XXXX/15, they ( the company ) has proceeded to harass my mother and ask her who will pay this money to them. They have also told her in detail what my debt is. I asked my mother what she told them and she has said that I do n't live with her. She did not inquire about how much I owe but was told my personal information anyway. I believe this practice is very unprofessional, unethical and against the law. I am very disturbed by this situation, as my mother being XXXX and now diagnosed with XXXX does not need the stress of knowing my financial situation. I am requesting that XXXX XXXX system cease calling my mother 's home where I do not reside.
Pleae remove these inqiuries XXXX XXXX, XXXX, XXXX, XXXX, XXXX and my XXXX XXXX wwas paid in full, XXXX XXXX XXXX, XXXX XXXX  paid in full with no balance. please remove XXXX XXXX XXXX XXXX. its over 7 years old please.
Wells Fargo removed {$3000.00} from my XXXX XXXX account on XXXX/XXXX/2016, unauthorized. I had a payment set up for this amount, but called them on XXXX/XXXX/2016 to change the payment to the amount of {$490.00}. When I called them and told them I had cancelled the payment of {$3000.00} and needed the funds back, they acknowledged it was their mistake and that they payment should have been cancelled, they did n't know what had gone wrong. The next morning, XXXX/XXXX/2016, I had a conference call with Wells Fargo and XXXX XXXX to see if the charges ( there were multiple ) would clear or be returned. Upon figuring out which ones would clear and which would be returned, Wells Fargo said they would refund me $ XXXX which is the amount that cleared my account and covered the XXXX overdraft charges I incurred because of the overdraft of my checking account. Wells Fargo said they would credit the {$870.00} back to my checking account. As of today, XXXX/XXXX/2016, my account is still negative {$770.00}. When I called this morning, the woman I 've been talking to informed me that the funds would be back in today. When I told her this entire process was absolutely unacceptable, seeing as I have been unable to use my checking account for six days, i.e. purchase groceries for six days, she told me that she was sorry, but they were doing me a favor because their usual process of returning funds is via paper check that can take up to 21 days. I do not understand how it is legal for them to remove funds from my account that I did not authorize, acknowledge their mistake, and then have it take this long for them to return the funds without offering me any kind of compensation. I attended the University of XXXX XXXX in XXXX XXXX, MN.
THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS 1- I NEVER HAVE ANY CREDIT OR LOAN WITH XXXX XXXX, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

2- NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

3-BANK OF AMERICA NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

4-XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE 2016 FIGHTING AND THEY DO N'T FIX IT.
5- ON XXXX XXXX I WAS ONLY ONE TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT ....
HOW CAN I FIX THIS PROBLEM ... ... ..
6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY XXXX XXXX XXXX, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..
I got a receipt today at TCF Bank which was very, very deceptive.The available balance included my overdraft protection account, BUT NO WHERE ON THE RECEIPT DOES IT STATE THAT THIS BALANCE INCLUDES THAT ACCOUNT.It is so easy to see they are trying to rip people off, as they will mistakenly believe more money is available than they actually have, and will overspend and get charged fees and a high interest rate on money they think is theirs.Anyone who has already overspent because of this egregious deception should be reimbursed immediately!!! ( the XXXX and XXXX will surely be most victimized ) TCF Bank should be ashamed of their unlawful business practices and I hope a lawsuit is on the way.
I was a co-signer on a Sallie Mae student loan. The primary borrower filed bankruptcy and ceased payments. I was not notified by the creditor that payments were late until AFTER the account went to collections. No voicemail 's, emails, or snail mail until after my near perfect credit score was damaged to the tune of XXXX points. Sallie Mae claims their fallible computer system shows notices were sent. They sent them to me for the first time as part of a XXXX complaint response at which point I confirmed I never received them the first time. Sallie Mae claims that removing this negative mark from my credit report is " illegal '' and a violation of the Fair Credit Reporting act, claiming they have no discretion to work with credit agencies to resolve this matter.
XXXX XXXX phoned me about a malicious virus i had on my computer and charged me XXXX dollars to have it removed for a lifetime of any computer problems i might have in the future here is his bill he sent through pay pal. Yesterday i got a call saying the same thing from a diffrent company Go To Assist Company telling me the same thing so i went to my first co. and told them about it and they said there 's nothing they can do about it without charging me an addional XXXXTransaction DetailsPayment Sent ( Unique Transaction ID # XXXX ) Original Transaction Date Type Status Details Amount XXXX XXXX, 2015 Payment To XXXX XXXX Completed ... - {$470.00} USDRelated Transaction Date Type Status Details Amount XXXX XXXX, 2015 Charged XXXX Credit XXXX XXXX {$470.00} USDSent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXXXXXXXXXX amount : ( in currency funded ) - {$470.00} USDYour fees : {$0.00} USDYour total charge : - {$470.00} USDPayment amount : - {$470.00} USDXXXX XXXX XXXX fees : - {$20.00} USDXXXX XXXX receives : {$440.00} USDDate : XXXX XXXX, 2015Time:XXXX PDTStatus : CompletedFunds will be available to your recipient on or before : XXXX XXXX, 2015Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$470.00} USD to XXXX XXXX with PayPalFunding Type : XXXX XXXX Source : {$470.00} USD - XXXX
XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
XXXX XXXX sent me a refund check in the mail for the amount of {$600.00} on XX/XX/XXXX. I  deposited it through my mobile bank. Bank showed check went through. The next day the check came back out with a fee of {$5.00}. I called my bank they said it said " referred to maker. '' I called heartland XXXX they said check was cleared, they said they would look into it and get back to me with what they found, never did. I called back and they said check is cleared and nothing they can do and they would look into it to see what was going on, never heard back. I called today XX/XX/XXXX and they said they could n't do anything and for me to call and file a police report.
mobile home contract ended XX/XX/XXXX after paying 20yrs. now Ditech greentree states after contract ended, i still owe 8 thousand some dollars. all monies have been paid every month even after bankruptcy in XX/XX/XXXX and had been paying my original amount of XXXX and they came back and took me to court saying i had not made my payments of XXXX made me pay an additional XXXX dollars to keep my home on top of monies paid monthly. some months they had never even sent statements and monthly payment was paid.the only way more money can be owed is if my monthly payment was manipulated into complete interest instead of applied to the principal.. i have tried talking to them in the past and i get treated like an XXXX. also i have been divorced from my x wife that i bought the mobile home with for many years. have sent them my divorce papers many times over the years. since XX/XX/XXXX they have been sending my monthly statements in my x wifes name. ditech greentree does what they want when they want with no altenative for the consumer that uses their service. they recently sent a statement of default cure. i actually have been paying monthly since my contract ended just so i dont lose my home, now they want 5000+ dollars in 20 days or they are taking it. i can pay this off when i get my income return with my current wife but we feel that we shouldnt have too because our contract ended. x wife is XXXX, XXXX XX/XX/XXXX in XXXX texas. can not obtain XXXX certificate.
I had an issue with XXXX XXXX wrongfully reporting that an account had been settled with them was listed as " Settled - Less Than Full Balance '' incorrectly causing my credit score to be lowered. TransUnion removed this notation from my credit report ; however, it seems that XXXX XXXX has returned it to my credit report. I am asking TransUnion to once again remove this notation from my credit report, and if possible stop XXXX XXXX from reporting on my credit, as the account in considered closed. My previous XXXX XXXX is XXXX for reference.
I am 3 months behind in mortgage payments on a rental property. I contacted the mortgage company to discuss options like short sale, deed in lieu of foreclosure, etc. The mortgage company refused to speak with me or even to transfer my call to the short sale or deed in lieu department unless I gave them my husbands social security number. I bought this property before I was married and my husbands name is not on the lien, the title, nor anywhere else related to this property. My husband and I do not file taxes together either.
A valid Notice to rescission under TILA was sent on XX/XX/XXXX. 

All party 's did not unwind the alleged transaction, nor did they start according the REG Z, XXXX and XXXX. No court vacated the Rescission. They been operating as if the Note, Loan and Mortgage is valid. It is Not. Sent again on XX/XX/XXXX. No law suit to challenge the Notice of TILA Rescission has every been filed against me.
Not once not twice but three times our loan was applied to the wrong account, I was charged a late fee, I called and spoke to someone and was assured that everything would be taken care of and again another late fee because the loan was applied incorrectly - it 's bad enough they charge what they do and when we tried to ask about setting up different payment options we were told we could not. The interest rate alone is killing us - the debt is over XXXX and we give our hard earned money to this organization and they fumble with, heck yeah I am very aggravated with them.
I have a collection account listed on my credit reports by a debt collection agency, Midland Funding LLC, collecting on behalf of XXXX/XXXX. Midland Funding LLC is not licensed to collect in the state of Pennsylvania and therefore I am disputing this collection account. I tried to dispute this account with the BBB on XXXX XXXX,2017 and was unsuccessful.
XXXX XXXX  XXXX are trying to collect on an invalid debt from XXXX XXXX. XXXX XXXX was paid in Full. I have submitted a separate complaint about XXXX XXXX and the incorrect balance due.
Please note that AR Resources sent derogatory credit information to the three credit bureaus XXXX, XXXX and XXXX stating that I did not make payment for the months of XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. I usually make my payment online with my debit card. I made the payment for the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please note that my to the best of my knowledge my identity was comprised I filed an identity theft report in with Federal Trade Commission fTC report number XXXX. When I attempted to make my payment for the Month of XX/XX/XXXX I was asked to give the last 4 digits of my social security number. I sent email to AR Resources in XX/XX/XXXX. Please note that I have made consistent payment to AR resources since the year XXXX
called to pay my heat bill and was demanded balance in full, after i asked for a payment arrangement i was told that each payment fee was {$11.00} so i asked to mail in payments even offered to send 3 postdated checks for duration of payment arrangement and i was told that if i sent in payments via check that they would report negatively on my credit, like whats the difference? i called back 3 times and one rep was more rude than the last. i asked for a supervisor three time and was transferred to the same voicemail. i am so upset that i want to pay my bill and cant
I am a XXXX - year- old senior citizen who has been severely taken advantage by XXXX They used deceptive sales tactics to convince me to pay a hefty amount of money. I have come to realize that he knowingly and falsely promised me services he knew would lead nowhere and prove to be unsuccessful. 

He was talking about web hosting etc ... he said he would use keyword phrases that would put my website visibility in XXXX front page, even though I mentioned I had little experience or working knowledge of websites. However, the representative very adamantly insisted that I didn't need to have too much participation, because everything would be handled for me and it would be very easy to be successful. That has not been the case. 

The contract also states something about visibility listing scores yet when I search the company name nothing comes up unless a parenthesis is added. That is not the way anyone would go about searching. 

All I know is that I was coerced into paying for a very basic service, not at all the way it was described to me, what I paid for is not what I expected. I would like a refund of my money.
Debt collector calling my place of work and home and a distant relative many times after they were told not to call back I have a XXXX child and they call non stop Today X/X/2018
Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account.