WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/18 : received voice mail from ( XXXX ) stating he was a process server. That after numerous attempts to serve me a summons and complaint said would make one more attempt to serve me but if unable to, would return summons as a final service and I would be charged with a failure to appear to my court date. No attempt to serve me had ever taken place. 
I returned call from XXXX who advised me that the summons was in regard to a previous account I had with Wells Fargo on which I had defaulted. The account was out of statute for collection purposes. 
He advised me to get a cashier check made payable to XXXX in the amount of {$11000.00}, provided the address and case number to reference on the check. Send express mail to XXXX and call him back immediately with the overnight tracking number. I stated I would not pay that amount, at which time the ( process server ) stated I could be subject to wage garnishment or seizure of my bank accounts. I stated I did not owe that amount and would not pay it. He asked what amount I could pay. After offering a {$5000.00} payment he was able to get this authorized which led me to believe he was not a process server at all but a collector using unfair and deceptive tactics, including threats. I did send the check and contacted them with the tracking number. I am contemplating a stop payment at this time but am also wondering if this collection tactic was in violation of the FCCA.
I setup bill payments through my USAA checking account. I forgot to transfer the money in from my linked XXXX Checking account causing the funds to not be in the account when USAA attempted to create the bill payments. This was my error, however, at my other banks ( XXXX, XXXX, XXXX ), when you create a bill payment and the funds are n't in the account, the bill payment simply fails, and you get an email or notification that " Your bill payment for XXXX merchant for $ XXXX failed ; transfer funds and reinitiate the transaction ''. At USAA however, when this occurred, the bank charged me {$29.00} insufficient funds fee, 5x for the different bills I had setup. I had no idea that this was occurring this week until I logged in today and noticed my balance. When I called to speak to a representative, they told me that USAA uses a 3rd party servicer to send out these bill payments and these are not checks that are SENT by USAA but rather, the third party servicer creates a draft and deducts the consumer 's account to create the bill payment -- essentially, the customer is creating a check/ACH to be drawn from their account. There is no disclaimer that this is what they are doing in your mobile app or online. There is no notification that they use a third party servicer. And moreover, this works so differently than other banks, that a normal consumer has no way of anticipating this, as every other bank simply fails the bill payment. Now granted, I should have transferred the funds into my USAA account but normally, when I send bill payments out, something like this would just be a minor nuisance for me to have to go in and redo the transaction after transferring money. I did not write a check or ACH to a merchant and tell them to draft my account, I did not use my debit card at a store knowing I did n't have funds. All of these are valid reasons to charge fees but in this scenario, a customer has NO WAY OF KNOWING that USAA is n't just taking money of their account and sending it or will get a fee.
I am writing to bring to your attention a troubling experience with my PayPal Credit account. 

Today I logged on to check my balance and schedule a payment and observed that on XX/XX/XXXX, two prior payments for {$1100.00} and {$500.00} were removed from the account. The transactions are listed as " adjustments-payments. '' I made those payments on XX/XX/XXXX and XX/XX/XXXX, respectively, at which time they were deducted from my personal checking account and transferred to PayPal. 

When I called ( today at XXXX XXXX CT ) to figure out what was going on, the PayPal representative told me that these transactions were part of a " remediation '' and he would read me a prepared statement. The statement explained that a PayPal coding error caused the service to demand unusually and incorrectly high payments from customers in order to avoid deferred interest. 

This is true, these XX/XX/XXXX and XX/XX/XXXX minimum payment amounts were massive compared to my usual account management. For context, my minimum required to avoid deferred interest this month is {$38.00}. 

The statement said that in order to fix the problem, PayPal reversed the payments and reapplied them. The statement specifically says " no communication was sent to the customers. '' My account does not show that the payments were reapplied by PayPal -- though my bank never received a refund, so I hope that they have applied the payments I made to the balance due. I 'm not sure how to determine if this is now correct on the account, as the representative brushed away my concern that everything is " fixed. '' Even if correctly applied, it is important to note that I would never have made such large payments if they were not demanded as minimum required payments. 

Finally, I find it extremely troubling that PayPal 's policy was to hide this entire happening from accountholders instead of advising us of PayPal 's own service error and advising us to check our accounts for accuracy. I only became aware by coincidence.
This complaint is about bank/financial services during a real estate transaction ( not a bank account ). On XXXX/XXXX/2015 I entered into a contract / purchase agreement to buy a home ( XXXX # XXXX ) at XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX ), XXXX. PNC Bank National Assoc is the Seller who was represented by Service Link ( a XXXX XXXX XXXX XXXX company ), XXXX XXXX XXXX, VP Operations & Client Relations. After conducting home inspections ( {$510.00} ), Buyer and Seller signed Amendment to Sale Contract on XXXX/XXXX/2015. Also, {$1000.00} Earnest money was paid to XXXX XXXX XXXX XXXX ( XXXX, XXXX ) - XXXX XXXX XXXX, REO Sr. Closing Coordinator. On XXXX/XXXX/2015, the Day of Closing, the Seller 's listing agent informed Buyer 's Agent that Seller would not accept the XXXX/XXXX/2015 agreed amount, wanted an additional {$2000.00}, and implicated that Buyer cancelled contract. The house was put back on the market as of XXXX/XXXX/2015. To date I have requested but not received a refund of my {$1000.00} earnest money and the {$510.00} spent on inspections.
I had my windshield replaced by XXXX XXXX XXXX on XX/XX/XXXX, I filed a dispute for {$500.00}. I believe on XX/XX/XXXX or XX/XX/XXXX because I did not receive a receipt or warranty information for the work. I did not recieve a receipt until XX/XX/XXXX and only after many phones calls and still did not receive the warranty information. In the meantime I discover that the windshield leaked and the wipers were hitting the side of the car. I scheduled XXXX XXXX XXXX to return and XX/XX/XXXX, to repair. They did not show up until after XXXX XXXX and it was to dark for them to work. I then rescheduled for XX/XX/XXXX, they were a no show. I have phone records where I tried to call, they blocked my calls. I have a total of 23 phone calls made to XXXX XXXX XXXX. My credit card was billed by XXXX XXXX XXXX XXXX the warranty information I received was from XXXX XXXX XXXX. 

On XX/XX/XXXX, I had XXXX XXXX XXXX XXXX replace my windshield they found the following problems, Left and right side outer moldings were bent and damaged, top passenger side area dented, top of windshield seal missing glue leak detected. glass was to close to frame, windshield not savable. 

On XX/XX/XXXX I filed a complaint with Bureau of Auto Repair ( BAR ) Tracking Number XXXX BAR is also investigating and finding a number of problems XXXX XXXX XXXX is not register with them, the XXXX or the XXXX XXXX XXXX XXXX. The address given XXXX XXXX XXXX, XXXX is XXXX XXXX and they claim they do not know anything about XXXX XXXX XXXX After much research discovered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX is XXXX XXXX XXXX # XXXX, XXXX, CA not sure about the connection between these companies. BAR is investigating On XX/XX/XXXX, received a letter from Bank of America requesting documentation I replied thru their website. Since then they have given a number of excuses, such as I did not give the merchant a chance to fix the problem, I have phone records where I called 23 times. I had two schedule appt that he did not show. BofA needed a second opinion letter on letter head describing the problem I fax 2 letters ( see attached ) and now the the time frame is expired. They gave me the response date of XX/XX/XXXX which is a Sunday. The owner of XXXX XXXX XXXX XXXX was on vacation and I faxed the letter on Monday XX/XX/XXXX and again on XX/XX/XXXX Bank of America Case numbers XXXX and XXXX
I have applied a Chase XXXX XXXX card by using the online portal of Chase. I have clearly read the terms and conditions ( price and terms ) before apply the card and its clearly mentioned like " 0 % Intro APR for the first 12 months that your Account is open. 
After that, 17.99 % to 24.99 %, based on your creditworthiness. 
These APRs will vary with the market based on the Prime Rate ''. After I have applied they approved my card with APR of 21.99 % and they didn't provide me the promotional APR which mentioned in online. I have contacted Chase customer care immediately and they " that was a computer mistake, you will get 0 % APR, please wait 2 or 3 days '' but didn't get that. So, I have contacted again, and went to Chase branch to rectify the issue ( showed them the document which I have downloaded from online, and also showed them the Chase online website, sent the screenshot ) but they are now saying " I have applied the application with APR, and they are unable to change anything ''. 

Logically : if its showing APR in price and terms, I wouldn't have apply the card. Also my friend which referred me have the 0 % APR. 

This is completely misleading a customer like me. Please review it.
I received a letter a few weeks ago from a debt collector apparently trying to collect charges from 2007 when I originally purchased my house. I have looked up Nevada law and the statute of limitations for collections in Nevada is either 3, 4, or 6 years, depending on the type of debt. A debt from 2007 would fall outside this period, and thus, the collection company needs to stop contacting me. Additionally, they had a man come to my house with a " certified letter '' that threatened that they would file a default judgement. This is illegal as they have no standing to bring a case in Nevada as this is outside the statute of limitations and having a collector come to my house is harassment.
I noticed several collections on my credit from XXXX XXXX. They duplicated the debt as well. I have insurance and paid my deductible. I sent a request to XXXX XXXX to validate this debt. They never sent me anything, yet they continue to report collections that I don't owe on my credit file
They are blowing up my phone with robocalls trying to collect for credit cards. I have NOT authorized them to use robocalls to contact me.
The complaint is about Chase Slate Visa credit card. Opened the card based on the Chase advertising for a 0 % Balance transfer for XXXX billing cycles. I called the credit card customer service and requested a transfer to my personal checking account. I was told that the transfer not allowed to checking accounts despite no restrictions were listed in the customer agreement and the customer service supervisor could not point to anything in the Chase credit card disclosure that states that. I want other consumers be aware of a false advertisement.
On XX/XX/2018, I have requested that Transunion investigate XXXX XXXX XXXX because I don't have an account with them. Their results indicated the account as verified. I spoke with XXXX XXXX briefly. I then told them that I have never heard of them. They have no Consumer Contract with my valid signature to verify this account. The Customer Service representative told me that they have my social security number as means to verify this account. I have been a victim of Identity Theft. My social security number could easily be obtained from the Dark Web. Transunion is allowing this company to verify my account using my social security number even though I submitted a written request requiring my creditors to provide physical verification. This is in violation of my consumer rights under section 609 of the Fair Credit Reporting Act.
I checked my credit report and to my surprise there is a collection account for {$1500.00} from Credit Collection Services. I sent a certified letter to the address that appeared on my credit report but never heard anything. I do not owe this debt and this is really hurting my credit while trying to buy my first home. This needs to be taken off my credit report immediately or my next step is to seek immediate legal action.
I financed a vehicle through Toyota Financial. I was always on on time with my payments. I lost my job and had to file Bankruptcy. Toyota did n't take my payment. Before the Bankruptcy I tried to get a deferment but they said no. 
I got another job and decided to drop the Bankruptcy and pay my creditors. I have been making my payments every month with Toyota and paying on the past due month that I owed. Toyota is reporting me 30 days late every month when I am not 30 days late. I have bank Statements showing my payments every month
Account Details Bureau Name ERC Original Lender XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$230.00} Date Account Opened XXXX XXXX 2015
The XXXX XXXX XXXX has Over-Debited my account and Falsely Reported Negative information on my credit report. I have spoken to Several XXXX and XXXX XXXX Managers on several occasions trying to resolve all issues pertaining to being Overcharged by the XXXX Why not Lease Program. I have Vividly communicated that the XXXX Why Not Lease Program Over-Charged me and when I asked for a refund, My Request was ignored, and Multiple XXXX XXXX Scam Affiliate Companies Have Falsely Reported Derogatory information on my credit report. I developed an understanding with XXXX XXXX XXXX, that while we are working on this matter together that there would be no false or inaccurate information reported on my Credit report. I have been deceived many times by XXXX XXXX XXXX. 

Purchase XXXX Order XXXX, XXXX Payment Method : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Led HDTV XXXX Shop your way points Redeemed : {$100.00} I will also submit attachments with Bank Records, Attorney XXXX , And Why Not Lease Paid in Full Documents.
In the year 2009 my business income volume decreased almost 75 % I was diagnosed with a XXXX due to all the financial difficulties, at the same time my husband fell ill and had to go under XXXX XXXX and we had to live on credit cards to be able to make ends meet. My credit got overextended and we where not able to afford the terms on the credit cards and also it caused to default on the mortgage monthly payment. We requested a short sale and placed our property on the market for almost 6 months and have shown the property numerous times with no luck. Because my income has dropped considerably I can no longer afford the terms of the original loan and as a loyal customer I 'd like to ask for an affordable loan modification to real market value and a lower interest rate.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They show on my credit report that my account was closed on XX/XX/2018 and was included in a chapter XXXX bankruptcy. But, they have the account type listed as " Open Account ''. That is inaccurate. It has resulted in points coming off my credit score that should not have. I have disputed it unsuccessfully with both XXXX and Equifax. They have been emailed by my attorney. At this point what they are doing is deliberate and malicious. I want the account type to be corrected and show that it is closed or for the account to be deleted from my report. Can they not be fined for deliberate malicious harassment?
I have been a customer of Barclays XXXX rewards ( account ending in XXXX ) since XX/XX/XXXX. 

My account was randomly closed, & without explanation when calling to report my card lost on XX/XX/XXXX. I was not aware that it was closed. 

The CSR advised that the card was closed by a back office representative earlier in the day, approximately around XXXX. I was in shock. 

This acccount was closed one day after a payment, and 3 days before a new statement was to generate. 

This type of behavior by a credits issuer is damaging as it could trigger knee jerk reactions by my other card issuers, some which span more than a decade ( ie - XXXX, XXXX, XXXX XXXX, & multiple store branded card issuers as well ). 

I contacted Barclays and have yet to receive a response, this knee jerk type of activity is very damaging to a credit report, specifically the Debt to Income Ratio & AAOA ( Average Age of Accounts ). My revolving balances are steadily decreasing across the board and it shows as my FICO XXXX has steadily increased over the last 4 months ( XXXX to XXXX to XXXX to XXXX - my score was XXXX when originally approved for the card ). 

This random activity without explanation damages this.
I agreed to a compromised amount for my student loan of 10 years that I never knew existed in XX/XX/2018. I began making payments in XX/XX/2018. I called the company that made the compromise with me on XX/XX/2018 and specified I wanted to pay the remaining balance off in full. The representative added the amount up for me and I paid the amount I was told is the FULL BALANCE. He assured me I would receive a paid in full letter in 3-4 days. 3 weeks went by and I had not received anything so I called them back to see where my letter was. They then stated that the representative gave me the wrong amount by {$50.00} and since my compromise was to be paid in full by XX/XX/2018 and was not due to them giving me the wrong information I now owed an additional {$1400.00} in interest and fees. I asked why no one gave me a call in those 10 to let me know THEY had made a mistake and she said she would research the situation and get back to me.
I had a mortgage with Chase Mortgage. On XXXX XXXX 2013 I sold this property.Then Chase has reported to the credit bureaus as a foreclosure started. Chase refuses to remove the XXXX status on my credit report. Even though, the account has been paid in full as of XXXX XXXX 2013
Bank of America closes an 18 years old checking account that has an impeccable record for its entire history. Bank of America cites " business decision '' .without giving any specifics. The closure of the checking account has led to the closures of XXXX credit cards issued by Bank America. All Earned rewards are confiscated and Pending rewards are forfeited. 
Please see attached write up for the details of the complaint.
This debt is related to my niece, XXXX XXXX. She applied for financial assistance in XXXX 2015. XXXX XXXX was also on Medicaid back-dated. I spoke to XXXX Hospital in 2015 and was told that this bill was being put on XXXX XXXX 's account and should not be in name.
I recieved a payday loan from ACE CASH EXPRESS and my repayment was taken from my account a week before it should have been causing me to go into the negative and pay fees. Now they are threatening to send me to collections. They would in previous loans email me a reminder that my payment was coming due and the date it would be taken out would be attached. Not this time!
I sent them letter about requesting validation on account they report to bureaus there is not one dispute on file and no respond from them
I'm writing in reference to my son 's checking account that I am on as authorized user with Wells Fargo. My son whom is XXXX yoa just graduated from high school this XX/XX/XXXX had his wallet stolen. I am very displeased with how WF has handled this case. My son 's account was comprised by thieves and now he is currently being punished for others crimes. I have called and written several times that my son nor I have authorized ANY transactions that occurred on XX/XX/2018. The transactions occurred online, ATM, and in a branch. Also, the locations of these transactions are over two hours away from where we live. I have requested repeatedly to have footage pulled to show fraud was committed. As well as look at the account history to show never have so many transactions occurred in one day.

Clearly WF should be able to tell that more than 5 transactions occurred from opening of two checking ( ending account # XXXX ) and savings accounts ( ending # XXXX ). These individuals were depositing, transferring, and withdrawing funds before anyone could catch this. Also, it was proven that checks were deposited with irregular signatures as well as third party names. None of those checks were written out in my son name or mine. Now the account is in negative status of over {$1500.00}. I have tried to handle this situation myself, but it seems I have not been able to get a fair resolution and being that WF does not believe or trust their own customers in trying to explain that we have been victims of financial fraud. It is evident that this day in time thieves are able to hack into someone personal business and life and destroy it and this is the case with our account. I have attached documents to show all the transactions that occurred on XX/XX/2018 as well as the checks that were deposited.
I petitioned Equifax to remove a bankruptcy from my credit report. The most recent request, I received a response dated XX/XX/2018, confirmation # XXXX. Included are the results are of Equifax 's " reinvestigation '' of my request to remove the bankruptcy from my credit file. The letter advises that the results were verified via XXXX XXXX, a third party vendor. Again this letter from Equifax is dated XX/XX/2018. 

XX/XX/2018, I received confirmation from XXXX XXXX ' consumer center, case number : XXXX, a letter confirming results differing from what Equifax claimed to have confirmed. The XXXX XXXX resolution to my dispute : After a reinvestigation of the data in question, XXXX XXXX was UNABLE to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently REMOVED this required from your XXXX XXXX XXXX  report. 

XXXX XXXX removed the unverifiable bankruptcy. Therefore, Equifax clearly lied about the source of their information. Consequently, the unverifiable bankruptcy remains on my credit file and continues to cost me higher interest rates and lower credit line extensions.