WillisBack/dataset-financial-user-claim huggingface dataset:
A branch manager from Citizen 's Bank called me in XXXX, 2016 to ask if I wanted to extend my second mortgage/ line of credit which was to expire in the XXXX. She quoted me a rate, and I said sure. Completed the required paperwork, and was quickly approved. An assistant manager called to say they were ready to close and arranged a time at a branch closer to me. When I arrived terms not previously told to me were imposed such as : ( 1 ) I had to borrow at least {$25000.00} and ( 2 ) any payments would be deducted from my account monthly. As we at the bank already, we agreed to accept those terms. I quickly paid pack the loan except for {$150.00} so as to avoid any interest payments. 
At the time of the closing, certain forms needed to be notarized. No notary was present, but we were told " not to worry, the bank manager would notarize on Monday and all we needed to do was sign '' We did. Subsequently, the manager came to our house for us to re-sign the loan and to notarize. Of course, we were charged fees and interest not told to us. 
How many other people are being charged fees and interest from Citizen 's bank?
Reinserted previously deleted information. Transunion once had XXXX removed which is now reinstated back on my credited report.
This started XXXX for {$900.00} and is the leftover portion of an emergency medical bill with XXXX XXXX XXXX, XXXX, OK. I immediately started paying $ XXXX/month and increased it to {$54.00} recently to comply with minimum payment requirements. I have NEVER missed a monthly payment and the debt is down to {$480.00} now. No reason for it to ever be turned over to Nationwide Recovery but it was anyway. After I had made payment arrangements they called again to say that I needed to make FUTURE payment arrangements ( auto debit etc. ) or they would continue to call me. Since when is future payments promises a part of it that was not mentioned in the payment arrangements at all. Again, I have paid every month, not one has been missed.
I am not being supplied an accurate account of my payment history. My online account is not reflecting any of the payments I have made in the last 30 days, which amounts to approximately {$1900.00}. I have called SNAAC to request my payment history be emailed to me, as they have done in the past, I get told that it will be sent to me, but I receive nothing ( which I find very unusual ). 
My Auto financing lender ( SNAAC ) stated that I owe a certain amount of money to complete the balance owed on my vehicle, however, when I have requested clarity in form of a written statement, stating the exact balance, they have failed to effectively communicate the Facts, but instead have continued to ask for money. 
I do n't trust that I 'm being given correct information, and I fear that I might be asked to pay More than what I am actually financially responsible for. 
I appreciate your assistance in looking into, and your help in resolving, this matter. 
Thanks
Allied Collection Services has placed negative information for a debt I do not owe. I have never received any forms, signed contracts or any information regarding the debt for which they reported. When I contacted the company they crossed referenced my telephone number and gave me information that was not my personal information. The collector XXXX then asked me for my personal info such as SSN/DOB and only then did he claim that I owed them monies. This company continues to contact me with fake names in attempt to extract my personal information on a daily basis.
Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX This debt collection company called my landline. The caller id displayed PRIVATE NUMBER XXXX. The voice mail they left was a robo-call identifying them as Convergent Outsourcing and that they were attempting to collect a debt. I do n't know what debt. When I XXXX the phone number on caller id, I discovered it was for XXXX in XXXX, Oregon. XXXX I also XXXX the collection agency and they are located in the State of Washington with no offices in XXXX, Oregon. They obviously spoofed a different business ' number in an effort to trick me into answering the phone. I am of the understanding that this practice is against Federal law, so I want to file a complaint. I will be mailing a Cease & Desist letter tomorrow but I still want to complain about the spoofing. I am retaining a copy of the letter and I am saving the caller id information and voice mail to prove my side of this story.
With reference to CFPB Case number : XXXX, BERLIN-WHEELER continue to report this account that I am disputing to the credit bureaus. The ledger that BERLIN-WHEELER attached on the above case that I am referencing to prove that the balance still unpaid actually showed that the debt was paid and such showing a zero balance.
I went to Chase Bank at   XXXX   XXXX   XXXX   Branch  XXXX  on  XXXX / XXXX /2017 I deposited a Cashier 's check in the amount of {$6000.00} and my receipt had a " hold '' for that amount till  XXXX / XXXX /2017.
I spoke with the teller and then the supervisor, explaining to them that they can not put a hold on a cashier 's check because it is the equivalent of cash. This was from   XXXX   XXXX   XXXX  , not some obscure bank in  XXXX . Both said they could n't do anything about it.
I think they did n't care to do anything because it was a Saturday and I had about {$54.00} in the account.
On Thu,  XX/XX/XXXX  at   XXXX   XXXX  ,   XXXX   XXXX    wrote:
Dear   XXXX   XXXX  ,
CEO Capital One

I am contacting you re the abusive policies at Capital One  Regarding my Mastercard ending   XXXX   and VISA ending  XXXX  accounts.

I have for several months paid regularly in an effort to bring down my balance on these accounts.  Several times I see that you have charged me with late charges in spite of the fact that I have made regular payments more that the minimum required like clockwork!!!!!  Please see the attached proof of payments.....that you would treat me like this is abusive.  I pay and pay and the balance never comes down even though recently I have not initiated any new transactions.  NOT FAIR!!!!
What the heck is your justification for these fees?  It is because of YOUR fees that my account has go over limit!  Not due to my over indulgent spending.!!!  

You will personally see to it that all these fees are removed from these accounts by close of business on  XX/XX/XXXX and send me a personal confirmation that this has been completed.  If I don't hear back from you by then I will initiate a class action against Capital One and   XXXX   XXXX   for abusive practices regarding interest rates and punitive fees to customers.  Just on   XXXX   there are over 3,480people who have complaints about your business practices.  I know that there are a myriad of complaints regarding your bank and also several other class actions at $ XXXX  that you have had to pay regarding harassing phone calls to customers.  But there may be more coming re actual banking policies.  You need to implement fair and realistic policies regarding revolving accounts at the corporate level or face the consequences of a constant barrage of complaints and bad PR to your company.  I have had it with abusive bankers who are making obscene profits on the backs of working and retired people.  I will be draft a legislative bill to send to my Senators and Representative in both the Federal and State levels to deal with the abuses of the financial corporations.

The choice is yours.......do the right and moral thing here and restore my accounts by removing all extra fees other than interest and you will adjust the interest rate to 12%.  Then recalculate the actual amount owed.  Anything more than 1% per month is abusive.

-- 
Best Regards,   XXXX   XXXX   XXXX     XXXX   XXXX   This letter will be posted to FaceBook on a special page to garner support to fight back against abusive banks.

--
I have been living in XXXX, IL for about three years and decided to buy a house near XXXX this year. I contacted several lenders and finally used Guaranteed Rate ( " GR '' ) as my lender. They went through the application process and set the closing date on XXXX/XXXX/XXXX. From it I encountered a couple of very bad experience with GR : 1. GR failed to send me the required document, which resulted TWICE closing date delay. From XXXX to XXXX. And then XXXX to XXXX. I had to rearrange the furniture delivery, floor refinishing, moving date, and XXXX inspection. 

2. GR failed to obtain my and my wife 's tax return because they did not send the correct address. In the end I and my wife obtained our tax return and sent to them. They could not get this easy job done. 

3. I paid {$420.00} for appraisal fee to GR and GR promised it would refund it to me. I have not received it. I asked GR and they told me it was refunded at closing. I sent them the Closing Document to prove the {$420.00} was not refunded and they were wrong. No response thereafter. 

4. Because of the twice delays, GR 's sales manager, XXXX, talked with me and promised to give me a " sorry credit '' of {$560.00}. I have not received it. I waited one month after the closing and called my contact at GR. He hung up on me and said he did not know what XXXX promised to me and let me talk with XXXX. One day after, the other staff at GR told me XXXX was no longer working at GR. All staff at GR were trying to avoid me. 

In conclusion, GR did not refund me {$420.00} and did not send me {$560.00} as its promised " sorry fee. '' I did not receive a response from its manager, and I do n't believe I can solve this problem with GR by ourselves. Please help.
In XX/XX/2011, Wells Fargo Bank was awarded a civil judgment against XXXX XXXX and XXXX XXXX - two individuals residing in XXXX XXXX who had used my Social Security Number to obtain financial products and services with Wells Fargo. In other words, this is a wrongful civil judgment due to the aforementioned identity theft. I have attempted to resolve the matter with Wells Fargo, the Internal Revenue Service Taxpayer Advocate Service and the tax authority in XXXX XXXX - all to no avail. I have also fired two police reports in XXXX XXXX connected to XXXX and XXXX. 

Case Type : Liens/Judgement Type : CIVIL JUDGMENT Origin Filing Date : XX/XX/2011 Agency State : Info Pending ... 
Irs Serial Number : Info Pending ...

Origin Filing Number : XXXX Filings Number : Info Pending ... 
Amount : {$4500.00} Agency : WELLS BANK Agency County : XXXX, CA
I have been working with XXXX XXXX  for over one ( 1 ) year to have them correctly calculate my number of qualifying payments I have made under my Public Service Loan Forgiveness. I keep being told that my account is under review and this has been repeated for over one ( 1 ) year now. I have two loans that are in consolidation under PSLF. On my online account of XXXX XXXX, it states that on the 1st Loan I have made 59 out of 61 qualifying payments and on the 2nd Loan I have made 44 out of 76 qualifying payments. These numbers are inaccurate. First, the qualifying payments are different on each loan. Second, I have documentation from XXXX XXXX  confirming my Employment Certification that I have provided to XXXX XXXX  over the years, and these numbers are different. Please see below : XX/XX/XXXX = 26 qualifying payments XXXX = 8 qualifying payments XXXX = 15 qualifying payments XXXX = 8 qualifying payments XXXX = 17 qualifying payments In total, this is 74 qualifying payments I have made under my PSLF plan. XXXX XXXX  has this documentation, so I am confused as to why it is taking them over one ( 1 ) year to calculate the correct payments. In XXXX of this year ( XXXX ), I will be providing my annual employment verification which will show another 12 months of qualifying payments under PSLF. 

My calculations show that as of XX/XX/XXXX, I should have 74 qualifying payments, which leaves a remainder of 46 qualifying payments. Again, XXXX XXXX has all of this documentation. I need my online account to accurately reflect the amount of qualifying payments I have made, because I am more than half way completed with the 120 qualifying payments required ; however, my account does not reflect this. 

I have tirelessly attempted to have XXXX XXXX update my account to no avail.
On Friday  XXXX   XXXX   2017   XXXX  as i have this saved on my phone for personal protection against negligent non-comlpiance from TransUni on . I spoke  with a  XXXX  a  Fraud Assistant Customer Care Representative from ''TransUnion '', a s they are the only ones who can handle my report due to fraud on my credit file. I was on the phone for close to 30mins.  XXXX  found the recent Letter I sent to TransUnion regarding the many Credit Inquiries placed on my file due to Fraud, That letter Contained a  XXXX  Police Report of Fraud with a notorized FTC Identity Theft Affidavit. This is more than enough to vindicate me from these unauthorized ''Credit Inquiries '' on my file.  XXXX   XXXX  they would be removed in  24-48hrs, but as of now they still report on my TransUnion Credit File.    XXXX  I SIMPLE ASK FOR TRANSUNION TO DO WHAT THEY SAY, AND DELETE THESE UNAUTHORIZED AND FRAUDULENT CREDIT INQUIRIES AS THEY PROMISED. If TransUnion is still unwilling to cooperate i will have no choice but to send all this information to my Consumer Protection Attorneys, and My Attorney Generals office.
Good morning. I 'm trying to settle my home loan with Ditech. My home has been listed on the market for over a year. I finally found a buyer who is offering {$18000.00} CASH to purchase the home. It 's a mobile home in a park. Unfortunately, I 'm underwater on my loan. I owe {$29000.00} and have been paying on the loan for 17 YEARS and am current on the loan. I just want to sell it and get out of the mobile home park. At first, Ditech told me to do a short sale application, which I did. That was denied because they do n't do short sales on mobile homes in parks. That was run-around # 1. So I was instructed by Ditech to do a settlement letter, simply saying I request Ditech accept {$17000.00} as full settlement. I completed the settlement letter as instructed. I wait only to be told shortly later that the settlement was denied because they want more money and that my settlement letter provided no details. Run-around # 2. I told them their rep said to provide no additional information, only that I was requesting settlement. Too bad, Ditech said. So my buyer increased her offer to {$18000.00} cash and I resubmit the settlement letter with the higher amount plus the additional info I was asked to provide, i.e., why am I moving/selling the home, when will they get the money ... So I submit the offer and wait again. Throughout this process, I 'm told the hierarchy of Ditech, which seems to morph each time so I 'm never really sure how the application is being reviewed. I 'm also told by different reps that my settlement will be accepted because they 've accepted other settlements on accounts owing more with greater deficiencies for loans that have been owned for less time. I called yesterday ( XX/XX/2017 ) to check on the status and was told the settlement was denied again. No reason is provided other than they are n't obligated to accept any amount less than what is owed. This time I 'm told to file an appeal ( why was n't I told about this appeal process before? ). Meet run-around # 3. Again, no guidance, just submit another letter and caption it " appealing denial ''. I faxed the appeal letter yesterday. Clearly, I 'm being strung along and will most likely lose my one and only buyer. Any assistance and guidance you can provide will be appreciated. Thank you.
On or about XXXX XXXX, 2018 I was contacted at work by a rep from Alpha Recovery. Her name is XXXX XXXX. I had asked her not to call me at work. I also found out she had called my parents, my brother and my sister in law. Even though I have blocked her number I can still receive voice mails. When I do not respond is when she calls my place of employment.
On XXXX XXXX, 2017, I received a wire transfer from the sale of my company stock. The amount was XXXX euros, held in a French bank. 

Once deposited into my bank account ( at PNC ), it was {$86000.00} XXXX. This would put the exchange rate at XXXX EUR/USD. Additionally, PNC charged me a {$15.00} fee for the incoming wire transfer, which I am not disputing. 

However, the market rates were considerably higher at the time ( xe.com shows XXXX for that day - attached XEEURExchangeRate.png ). I had other work colleagues that performed the exact same transaction with their bank on the exact same day. The rates that they received were in line with xe.com 's rates for the day. My co-workers received as high as XXXX for their exchange rate. 

I contacted PNC on XXXX XXXX to dispute the exchange rate. The first question I asked the representative was to give me the current day 's exchange rate. He confirmed that it was XXXX. This is consistent with xe.com 's rates for that date. I then asked how I was given a rate much lower than the market on XXXX XXXX. He transferred me to another department ( the foreign exchange department ). 

This person confirmed that the rate on the date of transfer was XXXX. I asked how the rate could be so far off of the rest of the market, and was told that they did not know and could not provide more information. I asked how the person today could quote me XXXX as an exchange rate, and was told that he mis-spoke, and that his rate was not accurate. 

I sent my transfer to PNC because I counted on them to be comparable to other banks. In fact, their website states " PNC 's exchange rates for individual foreign currency orders are competitive with those offered by local banks. '' ( attached PNCExchangeRates.png ). Their rate was considerably lower, and if we consider XXXX a fair exchange rate ( based on XXXX 's rates for the day ), I was shorted {$3400.00}. 

So if PNC is not competitive, and there is no way to verify rates with them ( either before or even after a transaction ), then it seems that they are fraudulently misleading their customers to believe that foreign currency will be exchanged fairly.
On XX/XX/XXXX a request for judgment in the amount of {$1100.00} plus costs ( now over {$1400.00} ) was asked on behalf of the XXXX XXXX XXXX from a debt collector through attorneys XXXX, XXXX XXXX XXXX XXXX XXXX acting on behalf of LVNV Funding. I never received notice of this while the Plaintiff tried to reach me via server or certified mail during XX/XX/XXXX because I had moved to XXXX that month. The XXXX XXXX XXXX ordered a notice issued in the XXXX XXXX XXXX. Again, I never read the paper after living in the county and town of XXXX for XXXX years after moving to XXXX in XXXX. A default judgment was awarded to the plaintiff by the court and I only found out about it in XX/XX/XXXX when I received notice I would be garnished in the amount of 25 % of my wages. I contested the garnishment on the basis I was not notified and this was not my debt. On XX/XX/XXXX the judge denied my appeal and the garnishment has continued. I contend that this debt is not mine and I have asked the current attorney, XXXX XXXX XXXX at XXXX, XXXX XXXX XXXX for proper proof that this is my debt. He stated he would have to take some time to do so. In the mean time I have received another letter from XXXX XXXX XXXX XXXX, on behalf of LVNV, for {$3300.00} for another debt that is not mine. I am in the process of asking for proof of this debt. The only negative marks on my credit report are from LVNV and XXXX XXXX, another collection agency related to LVNV. I believe that LVNV is fraudently garnishing my wages and attempting to collect more through illegal and immoral practices. Their license was taken away in Maryland a few years ago and ordered to pay restitution of over {$10.00} XXXX to people they had collected funds from in which they had no right to do so. I am looking for a stop of all collection attempts and garnishments. While the XXXX XXXX XXXX XXXX have followed the law in denying my request for appeal, I believe that this debt must be proven to be mine by the collector before being able to do so. If in criminal court a person is innocent until proven guilty then should n't this also hold true for civil cases? By the way, the only paperwork given to the court by the original attorneys in this case is a blank credit card agreement with no name, social security number, account number, amount, or signature. How can this be used to show that I owe anything to this company?
my mother got behind on her mortgage because of XXXX and she had a fire that destroyed the house and we had to pay XXXX mortgages and she couldn '' t do it. XXXX to rebuilt and another to pay her mortgage to nationstar.
I have a problem with Santander bank on our credit reporting. We had an automobile with XXXX then Santander bought the Contract. We had problems with this bank and we complained about them. 
Now we are having a problem again. We had paid car payments for this vehicle. The bank had the payments, and a repossession order had been issued. We were not informed of a pending repossion if so, Santander would have known the payments were in their XXXX. 
When on or about XX/XX/XXXX the car was taken. We informed Santander the payments they had them. The car was then returned 20-30 minutes the same morning. 
Santander Bank said that it was their mistake the repossion fees would be waived and the repossion would not appear on our credit report. This was in XX/XX/XXXX. 
We have found out it 's on our credit report and will remain there until XX/XX/XXXX. I have been in contact with Santander Bank today XX/XX/XXXX. I was informed there was absolutely nothing they could do. We were given the runaround when we began to investigate them we were given 3-4 different number to call each one was the wrong number. 
We feel this mistake of credit reporting is unfair. We paid for this car and can not get another car loan because of this.
Navient Corporations I heard they got a law suit against them can you help me look into the information about them. If they legitate and the balance i have to repay them back is XXXX.
I have had a Wells Fargo Platinum credit card since XX/XX/XXXX. In the first two years I had an interest rate that was less than 10 %. In XX/XX/XXXX, I fell on hard times and was late a few times on my payment, so they increased my interest rate to 21 %. I quickly got caught back up and started making on time payments again. In fact, I have not been late in over 10 years and have a XXXX+ credit score, yet they kept my interest rate the same ( at 21 % ). I always felt I was being penalized wrongly and that they should reinstate a lower interest rate once I proved good payment history with them. Over the course of a decade, I have called their customer service and even visited my local branch. to see if they would lower my interest rate. There were interest rate promos for new customers that I was not " eligible '' for. Every time, I would be told that I was not eligible for a lower rate. I have even paid this card off in full on various occasions. They trust me enough to keep increasing my credit limit, however no break in the interest. 

I've had multiple accounts with this bank since XX/XX/XXXX so I have resisted changed banks because it would be quite a bit of work. 
I did some research on your website, and from what I can see, WF should be reviewing and assessing my account every 6 months, and that afte

r 6 on-time payments I should have been eligible for a lower interest rate even if it is not as low as my original one. I am hoping you can help get this resolved. I know in my heart that they are taking advantage of me with excess interest rates. Thank you kindly!
The income based repayment program I am on, according to the Navient website has me paying {$500.00} a month. I make $ XXXX a year, with a child. When I first applied for the income based repayment plan, my payment amount was {$0.00}. There is no way I can afford to pay anywhere near $ XXXX a month. Now I am in default and have no clue what to do.
Trans Union keeps reapplying this us bankruptcy ct FL XXXX to my credit file It is not mine And no phone number and No address that can be verified Also no claim amount listed and no liability amount I keep disputing it but experian keeps refusing to investigate