WillisBack/dataset-financial-user-claim huggingface dataset:
I closed on a HELO C   on  X/XX/17  with a  bank representative,  XXXX   XXXX  at US Bank. At the time of closing it was disclosed that there was a {$500.00} early closure fee, and this came as a huge surprise to us. This fee was never properly explained to us, even after having explained to the inbound sales representative,  XXXX   XXXX , many times that we would be selling our home in about a year. I have escalated the issue and have spoken at length about the situation with  XXXX   XXXX  and  XXXX   XXXX . They informed me tod ay,  X/XX/17 , that th ey are unwilling to waive the early closure fee of {$500.00}. I feel that this is a huge injustice to me as the consumer as it was not fully and clearly explained. They claim it was disclosed, but i have no proof of that, and they are unwilling to provide that proof. If it was explained properly, you would think that they would have made sure that I understood the terms since it was stated multiple times that we would be selling our home within the year, triggering the early closure fee. I was told tha t the District manager,   XXXX   XXXX  was unwilling to waive this fee and it was his decision. I truly feel that we were mistreated and duped into buying a product that incurred unnecessary costs. I feel that this should be waived and there should be action taken against US Bank in this matter.
I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.
In XX/XX/2009 i opened Bank of america secured credit card after using few years they converted my secured credit card in to non secured ones. The problem is when the card was secured there was an annual fee of {$29.00} but the card which they converted me into doesn't have any annual fee. But they are still keep charging me {$29.00} fee and that card comes with no benefits like any rewards or point. I feel like i am being charged unnecessarily. 
My request to Bank of America is either to remove that annual fee or convert my card to different ones where i can at least get some rewards. 
thank you
I have been trying to resolve my mortgage issue with OcWEN for over two years now, and keep reading about the XXXX XXXX XXXX and the National Mortgage Settlement Administrator giving OCWEN glowing reports and upgrading them. Their are still a HUGE number of Lawsuits pending against them and I should be XXXX of them. They told me to go into arrears so that they could start the Loan Modificationa nd proceeded to delay delay dealy the results, lost paperwork that was FEDEXED to them. Stated that docs were out of date and more and more and more ineptness pushing the amount I now owe to over {$100000.00} and pushing my credit lower and lower ... This criminal organization should not be allowed to " buy '' their way out of trouble and somebody in the organization should go to jail!! I just read an article that they received a favorable rating from this bureau because they have not received as many complaints about them ... Did you ever think that normal people that they have taken advantage of are tired of complaiining when the deck is so clearly stacked against them. So I am telling everyone today if you are still having problems with OCWEN like I am keep the complaints coming. Dont let them Win they should be out of business and disallowed from paying penalties unless it is to their victims ... And no {$120.00} doesnt cover it.
Credit control corp/ XXXX XXXX XXXX/ XX/XX/XXXX adv the company that the account was not mine and the company did n't remove the information from my credit report. 

Credit control corp/ XXXX XXXX XXXX/ XX/XX/XXXX adv the company the account was not owned by me disputed the account more than once and no changes have been made. 

Credit control corp/XXXX XXXX XXXXXXXX adv the company that the account was not mine disputed the account more than once and no changes have been made to my credit report.
XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXXXXXXUnited States Phone:XXXXXXXXI have been called at XXXX in the morning to almost XXXX at night XXXX times a day. I have asked them to stop on several calls and the Reps all say they will not stop and they will call me whenever they feel like it. I have asked them on these several communications to please stop harrassing me they laugh and say " they will call as many times as they wish and no one can do anything about this '' They have also called me from personal cell phones at XXXX. They are trying to collect a debt that is over XXXX years old that I just do not owe.
On XXXX XXXX my bank submitted a check to Navient to pay student loans on my behalf. Navient failed to correctly process the check and it was not reflected on my account. I called Navient and had the representative submit a help ticket to find the check and deposit it in the account. On XXXX XXXX I called Navient to check on the status only to find the check was found and sent back to the bank on XXXX XXXX against the instruction to deposit the found check into the account. Now I need to wait for the cancelled check to be returned to the third party and need to pay Navient the interest on the loan that was not paid off because of Navient 's failure to properly process the check ( even though they were able to find it during the help ticket investigation ). Navient charges a {$15.00} fee on late payments on loans but fails to quickly and correctly apply funds with their self-designed check processing system. Navient also fails to notify customers who require help tickets when there has been a status change on the ticket. Finally, Navient continues to charge interest on loan amounts that would 've been paid off had their processing system operated correctly. I have had to speak with 4 separate call center representatives that have no power to help me and can only submit internal, untraceable, and unaccountable help tickets that are not seen by the customer. Navient has taken deliberate efforts to limit communication and speed of response with their customers for financial gain through interest on loans not processed correctly.
I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX have reversed them but TransUnionis refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXX  immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.
On XX/XX/XXXX  I submmited a complaint about Experian reported a  XX/XX/XXXX  days late payment with the company ;   XXXX   XXXX   ', this error caused a  XXXX  points down by  XX/XX/XXXX  is when Experian reported 30 days lat in   XXXX   XXXX  ,, after a submmited my complaint a week later, they experian reported other error now they reported 30 days late payment on   XXXX   XXXX  again this error is causing me big problems sice I coudnt get approved with some creditors, plus they lower my score at the same time, I m attaching proof of my   XXXX   payment.
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Please hel p me up to resolve this error since Im trying to buy a car.
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thank you so much in advance
i give the compleint of the bank of america because i have submited several aplications for credit and well reject because litelle information from the credit report y when opened secured credi card upon {$600.00} gave musta must a month i cosed the credit card of card secured by one payment {$500.00} dollrs wich was not doneand have resolved nothing fraude department of the bank of america no resoveld and my debit the charged to my name the account was opened XXXX XXXX XXXX and the BANKAMERICARDwich resolved anything
XX/XX/2016 I pulled a copy of my credit report. I sent a certified letter on XX/XX/2016 to Capital One Bank USA XXXX XXXX XXXX XXXX , XXXX, VA XXXX, which was listed on my credit report requesting validation of this account, made pursuant to the Fair Debt Practices Act FDCPA & 807 ( 15 USC 1962e ). I requested that if they can not validate the debt, that the entry be deleted from all credit reporting agencies. Validation on this account was not sent to me. On XX/XX/2016 i again sent a certified letter to Capital One informing them they had not provided me with a copy of any viable evidence bearing my signature and that they had also violated federal law by not replying to my request that was sent on XX/XX/2016. Capital One did not respond with viable evidence after the second letter either. Capital One did not furnish the credit bureau 's with the required disclosure within the period required by law. Federal law requires them to place a " notice of dispute '' on my account within 30 days of my my original disputed letter which was sent on XX/XX/2016 and the second letter on XX/XX/2016. Capital One violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. Capital One has continued to ignore my requests for validation on this account and furthermore broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
I have sent a letter in 4 months ago on XX/XX/2018 and I havent received any response through mail nor email. I take it that there isnt any original contract documents on me for the credit card account with XXXX XXXX with an outstanding amount of {$1800.00} and the inquiries listed on Equifax, XXXX, XXXX. I have never given anyone any consent to inquiry inquiries on my credit file and this seems to be fraudulent and erroneous. I have attached a letter that I would love for you to carefully read. This is my third attempt since last year and this year combined. I hope we come to a resolution and your company completes an internal investigation on the account and inquiries because this seems like its becoming a problem and no one in the department is dealing with this situation or taking this matter serious. I repeat, please dont send me any XXXX XXXX messages stating that the inquiries are factual records nor is the account because I dont have a clue of who they belong to and I have contacted the creditors and havent gotten a response back. Its been more than 30 days for this matter. If this matter isnt resolve by Friday Im seeking legal actions against Equifax, XXXX, XXXX.
XX/XX/2012 I was taken against my will and authorization to a XXXX hospital to the XXXX and was not able to leave for 3 weeks, XXXX County Sheriff had me placed there. For no reason. I am not paying for this bill, in fact I have a lawsuit against XXXX County Sheriff and the Hospital.
I requested validation of debt from this company for two accounts listed on my credit report. In their documentation, they 've failed to establish standing for both accounts by failing to provide a copy of a signed agreement between myself and the original creditor, and also failed to establish complete account history. I disputed the accounts via the credit bureaus and received a status of " resolved, consumer disagrees '' at which point my credit file was also updated with monthly reportings.
Allied Interstate LLC continues to relentlessly call and harass me and my friends with verbal violence and abusive treatments. This includes manipulation attempts to garner private, secure information about our identity, but at the same time refusing to properly identify themselves and who they are. In addition, they allege unauthorized student loan amounts owed to them that seem to change with each subsequent phone call. 
In addition, despite us having told them that they have the wrong number and despite having requested for this company to cease their calling and harrassment, Allied Interstate LLC refused to stop. In addition, the callers make up lies and attempt to gaslight unsuspecting individual consumers into giving out their credit card information over the phone, without really knowing who this company is. This company has already been in trouble with the Federal Trace Commission and has been involved in a XXXX $ XXXX lawsuit with the FTC. So there 's that.
i was issued a credit card thru citibank, a visa card to replace my XXXX costco card without my permission before the due date on the previous card was due for payment. I tried to make payment and was given instructions to call citibank and pay them. I called on four different occasions and could never get thru and then found a number online and waited about an hour before i was able to make payment but still could not cancel card and was told i would have to call another number. I did that and finally got thru to someone to turn off card and started thinking, how is this legal. I never asked for a different company. It seems to me that they should have given you a choice to accept the new company or just pay your bill and they would cancel your card when it became obsolete. I did not want another visa and especially one with a 15+ interest rate. I can see citibank making a lot of money charging interest fees on money that was transfered to their high interest cards with no easy way to pay. I have never had a buisness or credit card company do that before and the letters they sent out were misleading. They kept saying do nothing. I assumed i would get a closing bill with an option to switch. That would have been the right thing to do, instead they did the sleazy thing that pretty much seemed like bait and switch to me. Is there a way to keep companies from doing this?
On two s eparate occasions in   XXXX   XXXX    , I visited Chase Bank at   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX  and notified  XXXX   XXXX  ( NMLS ID :  XXXX  ) and  XXXX   XXXX   (  NMLS ID :  XXXX  ) that I have been receiving bank statements for   XXXX   XXXX   XXXX   XXXX   at my home address.     Neither did I request, nor did I authorize Chase Bank to send bank statements belonging to my employer to my home address. This is a HUGE violation of privacy and I want it to stop.     Both  XXXX   XXXX  and  XXXX   XXXX  promised me that they would fix this problem. After a number of weeks elapsed with the problem continuing, I returned and spoke with  XXXX   XXXX  a second time. He, again, promised me that he would remedy the problem.     Fast forwar d six months  and absolutely nothing has been done. I called the Customer Service line and spoke with  XXXX  on  two o ccasions, who told me I must be mistaking, because his information in his system reflects that no statements were ever sent to my home address and, if so, the post office must be forwarding them to me. Really??     To make an already long story short, not a week goes by that I do not receive statements in the mail for this account for which I have no financial responsibility. I am not an owner of  XXXX   XXXX   XXXX ,  XXXX  and I do not want to receive its bank statements addressed to me at my home address.     Short of taking legal action, I do n't know what else to do.  Chase is  attempting to bully and intimidate me.     In this age of rampant computer hacking and violations of privacy, it is not only irresponsible for  Chase to  send banking statements to people to whom they do n't belong, but it is extremely neg ligent for Chase to  continue to do so after being put on notice to cease and desist.     This entire situation, going bac k six mont hs, has been extremely stressful for me. It has made me feel powerless and, yes, very much intimidated. The thought t hat Chase c an blatantly ignore my concerns over the use and application of my own name and personal information is extremely unnerving and is causing me to awaken in the middle of the night and not be able to go back to sleep.
Transunion continues to ignore all of my requests for investigation of wrong information on my report, Transunion has not notified me of any changes or investigation. 
I have received no emails nor letters from Transunion, addtioanlly I pay for the monthly service and see no alerts or notifications it has been over 30 days and have received no update original letter dated XXXX/XXXX/2016
EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
I 've been requesting my annual credit report and have not received anything fromTrans-Union after requesting me to submit qualifying documents, in which I submit copies of my Drivers license, Military ID, Utility bill and a copy of my SSN, all this since XXXX XXXX, 2015 and have not received nothing from.
Our Current Servicer sent us a letter that our loan is in default and threatening legal action. We purchased a home on XXXX/XXXX/2016 mortgaged through XXXX. We were provided payment coupons that said that our first payment was due XXXX/XXXX/2016. I sent a payment XX/XX/XXXX to XXXX XXXX plus additional principal payments. A day after the payment was sent, I received XXXX additional invoices, 1 ) Loan Care and 2 ) XXXX XXXX each claiming that they were the ones I should send my payment to. I called both companies on XX/XX/XXXX and both claimed that I should pay them. I was able to get XXXX XXXX to say that XXXX was who I should pay and that the payment made to Loan Care would be transferred to XXXX. I set up auto pay with XXXX, but noticed they did not take the payment out as scheduled by XXXX/XXXX/2016. I called and was told that they have not received any funds and that I was a month past due. Consequently, they could not auto draft my payment and manually took my payment ( plus additional principal ) over the phone. I was not notified by LoanCare that XXXX purchased the loan ( on XXXX/XXXX/2016 ) until I received a letter mailed XXXX/XXXX/2016. Long story short, I have made all of my payments and am still in default on my loan facing legal action. I am also concerned that I will be paying interest on what was paid while they XXXX with the money I sent.
I am called multiple times a day by different people in the office about my debt with them. I know I have this bebt but I am unemployed a d have been since   XXXX   XXXX  ,2017 and I have told them that several time. Their response is I 'm sorry that your not working but this debt has to be paid and until your account is current well will continue to call every 3 days or we will charge this account off as non-payment.
I transferred {$200.00} from a USAA account to a XXXX XXXX XXXX account on XX/XX/XXXX. XXXX XXXX XXXX did not receive it until XXXX XXXX. USAA said there processing took 2 to 3 days even though it asked for a transfer date and I requested XXXX XXXX, 2015.
BofA not comply with the Independent Foreclosure Review. They had a third party handle the payments and I would call them every two weeks and get the same response. Checks in the mail. Eventually they would say they had to cancel the check and reissue. This happened for 9 months. In addition, I foreclosed my mortgage in with a Chapter XXXX with the courts and BofA continued to call me for mortgage payments for a year after I had provided my case number and attorneys number to them. The mortgage account remained open and in collection/foreclosure status on my credit report for about 3 years.
this is a very old debt that is being sold and resold to debt collectors that like to fish for money.,
Professional Debt Collections agency has made threatening and harassing phone calls to me, my grandparents, my mother, my boyfriend mother, and my workplace ( the final straw ). They told each person they contacted the alleged " amount '' I owe ( {$1600.00} ).  Also, they asked for ways of contacting me. They even asked for certain spots in the area that I hang out in.This collections agency calls my phone 5 times ( minimum ) per day. So much that I can not even focus on my work. I even had to change my phone number because of this agency for a peace of mind. They also informed me of my other job and threatened to use it against me ( EXTORTION ). I'm contacting a lawyer as soon as possible. However, the time and hassle will interfere with my work-life and the alleged amount owed makes me wonder.. is it worth it. This is ridiculous and obscene.
I received a promotional offer from Wells Fargo for a {$300.00} promotional credit on a business checking account, paid out if certain terms were met. There terms were : *Deposit {$1000.00} or more into the new business checking account by Day 10, and *Have a {$1000.00} minimum balance in the account on Day 60, and *Make 5 or more qualifying transactions by Day 60 : Debit card purchases ACH ( credit and debits ) Checks paid Mobile deposits Wires ( credit and debits ) Wells Fargo Bill Pay or Direct Pay I applied and was approved for the account, in a Wells Fargo branch on XX/XX/XXXX. The personal banker even called Wells Fargo corporate to confirm the offer and apply my unique offer code. I met all of the criteria well within the timeline allowed. 

On XX/XX/XXXX, Wells Fargo customer service informed via direct message I would not receive the offer because the code was not applied to my account. I am outraged, ripped off, and fed up with their service. I demand to be compensated in the manner which was advertised.
I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my Equifax report. I also have XXXX hard inquiries on my XXXX report from XXXX XXXX.
the experian credit reporting agency has been dishonest in its investigation of this chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company XXXX XXXX was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with experian, furthermore I went to the federal bankruptcy courts to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies, I received a letter today from the experian company stating that they have confirmed this information with the creditor but failed to list the supplier of this information