WillisBack/dataset-financial-user-claim huggingface dataset:
I participated in the loan rehabilitation program with XXXX and was told that after completing the program, any negative info on my credit report related to the loans in question would be removed and that the loans would appear as in " good standing. '' The loans were then transferred to XXXX, who then transferred the loans to XXXX during the repayment period. However, XXXX report that I did n't pay as agreed and that the loans were being repaid through a government claim. However, XXXX sold the loan WHILE I was making payments " as agreed. '' Additionally, they reported the wrong account info to XXXX  ( wrong orig loan amount, wrong disbursed amount, wrong interest rate on the loans ). This has caused me to lose credit offers, denial of credit applications, and higher interest rate based on my credit score. Not to mention the incorrect info has negatively affected my credit report and score as the info has been incorrectly reported to the credit bureaus since 2014.
They have called me 5 times a day after I've told them I can't make a payment until I get paid on my pay day. They continue to call 5 times a day.
I am writing the letter with help of my financial aid reward. I was charged for the following Transportation total - {$1600.00} Meals total - {$2.00}, XXXX Miscellaneous total - {$1800.00} Room total- {$13000.00} I drive to and from school when scheduled. I never received a room I have my own home and miscellaneous! The University over charged me for XX/XX/XXXX-XX/XX/XXXX and for XX/XX/XXXX-XX/XX/XXXX for the same amount totaling XXXX. I need this issue resolved ASAP. I am sure I am not the only student that has this issue.
I have  3 issues with Wells Fargo : 1 . Failure to honor a promise through Customer Service to refund overdraft fees, after discussing the entire affair with the  Executive Office.  I have a running message dialogue with  Executive Office re presentatives, and spoke on the phone ( where the promise was made ), and despite reminders and additional demands to honor the promise,  Wells Fargo ha s failed to follow through.  <P/> 2. The underlying unfairness of the fee itself, which I 've also messaged and verbally addressed with the  Executive Office. Specifically, it is Wells Fargo  practice with their debit cards ( and likely credit cards too  )  to BOTH pre-approve a card transaction on a low account balance AND to charge fees when the transaction exceeds the balance. In this manner, their practice functions to check available balance ( i.e., knowledge of low balance ) and approve card use despite the likelihood of exceeding account balance - and then they charge an overdraft fee. That 's patently unfair, especially when technology is used by other banks to only approve up to the amount available, after all the card used was a debit card not a credit card. Moreover, the vendor where the debit card was used was a gas pump. My other debit card from another bank only approves an expenditure that correlates with existing balance.  Wells Fargo ' s policy is unfair, manipulative and predatory. And, they have knowledge and control to prevent a customer from incurring repeat {$35.00} fees.  <P/>  3.  When I depos it a Cashier 's Che ck, which is a guaranteed funds instrume nt, Wells Fargo e mplaces a Hold on the funds. The Federal Reserve, which governs bank behavior and the proper treatment of deposits and the legality of funds holds, has regulatory provisions on Cashier 's Checks : From the Federal Reserve  ( o n Cashiers Checks ) : Sectio n 229.10  Next-day availability States that the regulation requires that cash deposits, wire transfers, and certain check deposits th at Congress b elieves pose little risk to the depositary bank, such as Treasury checks and cashiers checks, generally be made available for withdrawal by the business day after the banking day of deposit.  <P/> I have messaged th e Executive Office at Wells Fargo about th eir noncompliance with Federal Reserve authorities on Cashier 's Checks. The hold length they 've imposed is as long as 10 days! Cashier 's Checks are guaranteed funds and are cash equivalents. Their explanation for the hold includes account history. Beside the inadequacy of that justification under Fed rules for  Cashier  's Checks, their assessment of my account history directly ties t o Wells Fargo 's u nfair practices associated with  # 2  complaint above. That is, they 're unfairly charging fees and next using that unfair practice to justify an improper Hold emplacement upon a guaranteed funds deposit.  <P/> I have record of my messages with  the Executive Office at Wells Fargo, wi th names and contact information.
We think our mortgage company is asking for too much escrow money. Our escrow balance is currently XXXX. They are increasing our monthly escrow payment to XXXX. Which means my escrow balance after my XX/XX/2017 payment will be {$2100.00}. My total taxes and insurance are XXXX. XXXX of that is {$920.00} per month ; however, the bank is asking for XXXX per month. After I make my XX/XX/XXXX payment my escrow balance will be XXXX so even at the inflated amount of XXXX per month they will have more than 2 months worth of escrow.
My X wife had an issue with her XXXX telephone bill. She tried to resolve it but XXXX was so stubborn about it that she simply gave up and did not pay the bill. Then an collection agency got involved and they offered to reduce the bill if she would pay it. I was the one who spoke to the collection agency on the phone when the deal was made. My wife paid and we taught that was the end of it. Well 2 months later the same collection agency called back and told my wife that she still oved them some money. I got on the phone my self and ask them what in the XXXX is going on when just 2 months ago we settled that problem. Stubborn as they are they kept insisting that it was a misunderstanding. I told them to go to XXXX and do not bother us any more. On XXXX XXXX XXXX I got divorced from my wife and we live separately. I got another call from XXXX about one month ago from the same collection agency number XXXX and she asked to talk to my wife. I told that my wife does not live here and I asked her not to call again. Yesterday at XXXX XXXX XXXX XXXX I got an anonymous call I assume from the same agency. On XXXX XXXX at XXXX I got a call and a recorded message to call XXXX. I need for somebody to tell these people to cut it out. TO STOP, THIS IS PURE HARASSMENT. THIS IS NOT FUNNY ANYMORE. ENOUGH IS ENOUGH. I DO NOT OWE THESE PEOPLE ANYTHING.
I made an arrangement with XXXX XXXX XXXX XXXX to pay a payment in separate payments and they agreed and said that it would Not show late or delinquent and Now it does. I have asked for it to be resolved and they said it was an honest mistake on their behalf and may not be able to fix it according to what we were promised in the begining.
I just called and spoke to a representative by the name of XXXX, ID # XXXX, and she confirmed that the document, which is my XXXX XXXX Bank statement, her department actually received it on XXXX XXXX, 2015. She did not understand how a supervisor or her other fellow employees that I 've spoke to over the past could not locate it. She was nice to clear all of the security issues. At that time, she informed me that her company, Barclay Bank were going to approve me for a {$2500.00} credit card. I explained to XXXX that I was originally approved for a {$4000.00} credit card. This is when she transferred me over to the credit card customer service department and I spoke to a rep by the name of XXXX. XXXX informed me that he could not issue me a credit card at this time because he felt like I had not enough credit when in actuality, I have over 6 years worth of credit showing on my credit report. 
It was just very frustrating to wait for almost 4 months for XXXX Bank 's security department to locate all of my personal information only to be transferred to this rep in the credit card department for him to tell me that I do n't qualify for any of their many credit cards. 
Why would the same credit card department originally approve me for a {$4000.00} credit card back in XXXX on to have told me on XXXX XXXX that I do n't qualify. 
I called the President 's office of Barclay Bank right now and tried to speak to XXXX, but he was on vacation and would n't be returning back to work not until Monday so the rep I was speaking to transferred me to the manager of the credit card department. 
XXXX, which is the manager in the credit department is re-reviewing my application again and she is claiming because I do n't have enough credit history. She informed me that her departments does not just look at the credit score, or the fact that I 've never been late on any of my student loans, or car note, or anything like that ; that was still not good enough for me to obtain a credit card through their company. 
I 've never heard of any bank state that they do n't go off of credit scores to determine eligibility for a credit card. 
I wanted to cancel my application on many occasions but I was told that I could not cancel because I was approved. I was told this by supervisors in the security department as well as reps in he security department. 
I really just do n't understand why I was sent through that long process only to be told that I did not get approved. 
This should have been told to me at the beginning. I would not have been wasting my time or theres!
On or about XX/XX/XXXX I contacted transunion to dispute inquries on my credit report and noticed an extreme amount of inquries on there. I asked them to be removed due to me not given authorization for any company listed below to run any credit. I was told that I was not able to have them removed off of my credit report. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX of XXXX XXXX XX/XX/XXXX
Subject was contacted on XXXX/XXXX/XXXX around XXXX XXXX  company advised Subject that he owed the amount for XXXX. Subject advised he was recording the call and the company rep decided she would try to verbally attack subject by means that are prohibited by state and federal laws. Subject told company he is not paying anything and they decided to press an issues of suspending subjects driving privileges. Subject makes it known to us and subjects local police department that the Federal Bureau of Investigation and Federal trades commission, Subject States on Record that company is trying all means to collect debt and insurance company also told him that the company being used is ( National Commercial Services ) to collect debt. Subject States call between him and XXXX the floor manager was recorded. Subject statement and report was reported to the Federal Bureau of Investigation and report was taken due to company being under the Federal Bureau of Investigation Criminal Activity Watch System. Subject states that the insurance company is XXXX XXXX XXXX of Ohio. all legal information was recorded to the local police department to Chief XXXX of the XXXX Ohio Police Department and to Federal agent XXXX XXXX. Be advised that Federal Bureau of Investigation has identified the said collection agency as fraud and for the subject not to engage in any contact. and if any further actions is taken or calls are received to contact the Federal Bureau of Investigation and Federal Trades Commission. At this time the Federal Bureau of Investigation and Federal Trades Commission is aware of the issue and fraud and is conducting an investigation and if any legal actions is taken they will handle it in full.

Recordings have been summited to the FBI CFPB FTC Subject is required to forward this CFPB and Federal Bureau of Investigation Report, and the Federal Trades Commission to com-pany 's involved.- Subject states the number listed for NCS is XXXX Contact information for the Federal Bureau of Investigation XXXX Federal Trades Commission XXXX
Applied for Citi Diamond Preferred Credit Card. Got approved. 
Was surprised to see being assigned the highest APR possible, because my credit is excellent ( XXXX, XXXX, normal range is XXXX -XXXX ). Called Citi to inquire why the highest APR was allocated?. Also, inquired what was the formula and what credit score was required to get the lowest APR. XXXX nor supervisor could answer. Indicated there is nobody in the whole company that knows how APR is calculated. 

This is both false and deceptive, because Citi represents that the APR is based on your credit scores. However, they are - either uniformly assigning highest APR regardless of your credit score OR using discriminatory ( racial, nationality, sex, etc. ) criteria to assign highest APR 's to certain groups regardless of credit scores.
Years ago, I think XXXX, I saw on a credit report that and old credit card debt from MBNA was charged off. Did not check again until I was informed by XXXX XXXX this month XXXX 2015, that there was a Judgment Lien on my credit report. XXXX Portfolio had obtained a default judgment against me without any notice to dispute. I had no knowledge of the lien for almost seven years. I believe this debt was charged off and the sold to XXXX who then tried to collect on an expired debt. I looked up XXXX on your sight and found out I am not alone, that thousands of consumers are being punished for fraudulent and illegal practices committed by XXXX. Now I found out XXXX sold the same time-barred account to XXXX XXXX and they are continuing to try and collect the same account that was charged off by the original creditor. Looking at Consent Order XXXX I think I am XXXX of the Eligible Consumers who should have the judgment vacated and removed from my credit report. Thanks in advance for any information or help your organization can provide. I did learn that now I will check my credit report at least once a year.
I tried disputing these Items through Experian and XXXX XXXX and they still wo n't remove or update. 
.Creditor Acct. # Standing Status XXXX  XXXX -paid in Full XXXX XXXX XXXX - Paid in full even before they put on my credit XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX -Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX  removed all of these since they are all paid in Full XXXX XXXX removed all except XXXX XXXX
In XXXX 2015, I received a court summons from XXXX XXXX XXXX for a debt. I responded via certified mail within the XXXX time frame asking for proof of the debt and for more information. I received no response. The week of XXXX, XXXX/XXXX/15 I believe it was, I received another court document from XXXX XXXX XXXX asking for a motion of default judgement against me. I was never contacted by Razor Capital, their client, nor was I ever contacted by XXXX & XXXX before receiving a court notice in XXXX. I have called multiple times and asked for the person named in the documents and he is never available. I have never even been given the opportunity to try and settle this claim. No reasonable offer has been made. There has been no communication other than XXXX court notices. I wish to avoid court if at all possible by I have never been contacted to try and work anything out. How can you threaten someone like this? Most companies send multiple letters or correspondence trying to resolve their issues before taking things to this level. I do not understand how people can do business in this manner. I looked up Razor Capital and they have numerous consumer complaints against them for collection efforts. Is this why they felt the need to send a law firm after me? If this debt is in fact valid, I would like nothing more than to come to a fair solution for both sides. All I 'm asking for is communication besides being threatened with court notices. Ca n't this be settled in a civilized manner?
My Ditech payment has always been {$1500.00} each month. My interest rate adjusted and my payment increased to {$1700.00} starting XX/XX/XXXX. When I made my XX/XX/XXXX payment, it was in the amount of {$1500.00} instead of the new amount of {$1700.00}. As a result, when my XX/XX/XXXX statement arrived it stated that I had not made a payment and therefore was late 30 days. My XX/XX/XXXX statement from Ditech shows that I made a payment in the amount of {$1500.00} on XX/XX/XXXX ; however they stated that because it was short {$130.00} they would not apply it to anything and held it in a suspense account. 

I feel that as a consumer, it was not my intention to defraud or intentionally not make my payment to Ditech, I was just not aware of the payment amount increase. On XX/XX/XXXX I paid the difference and the XX/XX/XXXX payment in full. YET, Ditech proceeded to report me to the three credit bureaus that I was 30 days late. This implies that I did n't make any payment to Ditech ; which is not true. I made a payment in good faith not knowing it was the wrong amount. Had I overpaid they would have been happy to take my money, but making a payment just short of the new amount due is not me intending to not pay Ditech my debt obligation. This is unfair and deceptive ; a clear example of these financial institutions taking advantage of the little guys! I have written to the credit bureaus and Ditech ; yet they are holding their ground and are adamant on not removing the 30 day late reporting to the credit bureaus.
My complaint is that Regions Bank conducts fraudulent business practices, specifically reordering of transactions and giving fraudulent account balance information. Also the Practice of Charging overdrafts on pending charges. I had a positive balance in account as of XX/XX/2018, made several transactions from account. Checked balance on the online bankling which showed positive balance after those transactions. Made an ATM withdraw which put account into negative status and understandably incurred one overdraft fee. Had a direct Deposit that would cover the one ATM charge that should have posted at midnight. Checked account onXX/XX/18 to find transactions reordered which cause my account to incur multiple overdraft fees instead of one fee. This is the second time this has happened.

See conversation below for previous dates.

] > XXXX, Thank you for your response. My name is XXXX and I will be happy to assist you. 



I apologize for any inconvenience that this matter may have caused you. When a purchase or withdrawal is made with a CheckCard,  those funds are immediately held ( or " frozen '' ). Purchases made with a CheckCard have been guaranteed to that merchant and represent goods or services that have already been received. This means that during processing each night, there must be enough funds available in the account to cover the items that are posting and the items that are still pending. 

The balance in the account before posting on XX/XX/2018 was {$19.00}. There was 2 transaction pending ( holding ) for {$16.00} and a deposit of {$35.00}, which left an available balance of {$38.00} for us to pay the items posting to your account that night.

There were then 4 items presented for payment on the account totaling {$40.00}. We paid the items for you, but the account was charged the overdraft fee since the funds were not available to pay one of the items. Even though the funds were in the account, they were not available since they had been guaranteed to other merchants for the pending items. 

I know this can be complicated. To make things easier to understand, we provide a breakdown of your balance on this date ( or the date of any overdraft occurrence ), from your Account Details screen. All you have to do is click the green fee name in the description column. This will allow you to view the Overdraft Notice.

While we understand that your Online Banking, Mobile Banking, and alerts are wonderful tools that assist you with your financial needs, we are unable to guarantee the alerts or balances will be made and reflect in " real-time ''. This is due to a number of factors which can cause delays such as service provider or carrier outages, merchant/bank processing, inbox filters, etc. Because of this, the only way to know what the true available balance in your account is, is by keeping a written log of all transactions and deposits for each account.
XXXX XXXX XXXX Not sure what they are looking for but I am tired of being bothered day in and day out every day being harassed with phone calls.
I am a service XXXX veteran, working diligently to sell my underwater, undervalued property in XXXX, Georgia XX/XX/XXXX. Have been approved for short-sale twice! 

What happened? 
XX/XX/XXXX Chase mortgage asked for an unfair price of $ XXXX for our property valued at $ XXXX. Our real estate agent forwarded recent area sales " comps '' to support the fair market price of the recent offer of $ XXXX by the fully qualified and approved buyer. Chase intentionally frustrated the buyer by dragging out weeks to respond to inquiries by the XXXX XXXX XXXX agent on file to sell our listing. The listing agent has not received a response from Chase concerning the rationale for asking for such a ridiculous price for the undervalued property. The qualified buyer walked away from the deal after receiving the counter-offer asking price from Chase. 

Harrassment - Chase continues to send letters after each failed offer to board/secure the property to protect their investment and mine. The property has been actively listed for the past 30+ months. The property has been regularly maintained. The letters received to secure the property demonstrate intent to frustrate the sale of the property, cause distress, anxiety. 

This is my SECOND compliant. Chase does not demonstrate its " mission to support service members ''
I received a negative remark on my credit report. Nissan put that i paid my car payment 30 days late. I did not pay it late. I paid it online and their system rejected the transaction. I wrote them and letter and called them and they still refused to remove. please help
Complaint to FTC ( Hunter Warfield ) Inaccurately Reported as a lease violation to the CRAs This in fact, is a claim for damages, having nothing to do with the lease. In accordance to Furnisher Rule 660 4 ( 3 ), this is materially misleading. I have submitted several requests for proof of debt. HW repeatedly sends me copies of a bill. This is in violation of the FCRA. H.W. Has an obligation to reinvestigate this claim and verify its accuracy These Damages are based solely on accusations of H.W. clients. In accordance to an FTC opinion letter from Attorney XXXX XXXX XXXX You should be aware That a printout of a bill or itemized document does not constitute verification. In addition, H.W. made reference to the Fair debt collections Practice Act, when in fact this is a complaint concerning the FCRA.H..W. Is a law firm and knows, this is an effort to deceive and mislead me. In accordance to FCRA sect 623 ( a ) ( 1 ) it is illegal to report information that is inaccurate when there is reasonable belief that it is inaccurate. Sect 623 ( a ) ( 1 ). 
There also several inaccuracies : XXXX : listed themselves as original creditor Date of first delinquency XX/XX/2014 vs date assigned XX/XX/2014 In closing I have included a copy of my recent letters and Hunter Warfields responses. I respectfully request, they remove this from the CRAs and take me off their collections.
Equifax did n't properly protect my personal information. This security breach is well known but I want to make it clear that it was extremely inappropriate and preventable. Almost as bad is Equifax 's subsequent handling of the matter from a victim-experience perspective. They changed their domain name for handling the fallout. They broadcasted the wrong name via XXXX to a phishing site. The page that solicits me to try to rectify the problem expects me to agree to terms of service on _a page that does n't work_, so I ca n't read the terms of service. The links to the terms of service are also shady because they link to PHP scripts.
I recently obtained a copy of my credit report. I noticed a collection on my report from Diversified Consultants for {$670.00}.

# 1. I was never notified about this debt.

I never received any letters or phones call concerning this debt.

I was never given an opportunity to dispute this debt, it just showed up on my credit report.

# 2. I do not owe this debt.