WillisBack/dataset-financial-user-claim huggingface dataset:
I worked for this company called XXXX XXXX after I graduated selling XXXX knives. Needless to say I was just recently told that a customer that purchased a set of knives did not complete payment so it charged back on me, however I was no longer with the company. Being that I was n't making enough money had to move back home, so the company did not have my address or phone number to contact me, in which they stated when I got in touch with them on XX/XX/2016. I made them aware that I did not know about this until I viewed my credit report myself. I called them they told me the account was written off for {$270.00} no other interest etc. Needless to say on my credit report XXXX has reported {$400.00}. I have set up payment arrangement directly with XXXX XXXX to pay the XXXX off. I contacted XXXX about the wrong amount reporting and the rep. was very rude and stated it does n't matter what XXXX is requesting you will have to pay the XXXX that we are looking to collect. Never had this happen to me.
On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from XXXX XXXX XXXX. XXXX started collecting my payment since XX/XX/2018. On or around XX/XX/XXXX I called into XXXX  to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open XXXX XXXX XXXX   have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus XXXX, Equifax, and XXXX.
This fraudulent debt appeared on my credit file. I am a victim of identity theft. So I notified the company 's and they refused to show original contracts so I can better investigate the fraud.
I recently called XXXX XXXX ( on XX/XX/2018 ) with a problem regarding my payments. I prefer to manually pay my monthly mortgage payment, which equates to {$2700.00}. Twice now I have had the issue where I manually pay before the due date, but then a second installment is taken out of my account through their recurring payment program. I did initially sign up for this program, but then thought I had cancelled it. The first time redundant payments were taken out for one month and my checking account went below {$0.00}, I thought the representative from Freedom on the phone had unrolled me from the recurring program after I called in to rectify the situation, so I assumed I could make the payments myself. Yet, it happened again. I called Freedom again and spoke to a particularly unhelpful representative named XXXX ( # XXXX ). She was rather impolite from the start of the call and asked me why I would make a payment when I enrolled in the recurring payment program, even after explaining the situation to her. After I told her I did not want to be charged an insufficient funds fee from XXXX, she proceeded to tell me it was my fault anyway. Frankly, I was taken aback by her unwillingness to help and unfriendly tone. Additionally, XXXX said she would email me a confirmation of her ending my recurring payment enrollment after I asked, but I have yet to receive the email. Also, she did not actually unroll me as I had to go on the website and unroll myself, meaning, XXXX had lied to me. I asked XXXX to speak to her manager, but she did not comply with my request and I was not able to speak to a manager. After my call with XXXX, I called XXXX to put a stop payment on the second mortgage charge. Luckily, XXXX was gracious enough to waive the {$30.00} stop payment fee, which they did the last time this happened. 

We have been particularly unhappy with this mortgage company, which was handed to us ( i.e., we did not have a choice in the matter ). We originally had XXXX XXXX which was great, then were automatically transferred without our consent. Overall, our experience with Freedom has been disappointing and frustrating. 

I tried filing this same complaint on Freedoms website, however, received a message stating, Were sorry, an unexpected error occurred. Please try again later. I attempted to submit the complaint twice, and had the same issue.
On a {$1500.00} loan that originated in XX/XX/XXXX, I have made the following payments : {$320.00} on XX/XX/XXXX {$350.00} on XX/XX/XXXX {$350.00} on XX/XX/XXXX {$380.00} on XX/XX/XXXX and {$180.00} onXX/XX/XXXX. 
There is a payment due XX/XX/XXXX for XXXX. All of these payment have totaled {$1500.00} not including the XX/XX/XXXX payments made on this account. Needless to say, this has put me in serious financial distress. My bank account is constantly overdrawn, and I have been unable to make a payment on my state and county taxes which are seriously delinquent. I need some kind of consideration on this loan. I do n't know how many more payments I owe or what those payment amounts will be.
Myself, family and my ex husband have all been receiving multiple calls per day from a company identifying themselves as XXXX with a contact number of XXXX. Per this company I have an outstanding payday loan from a company called XXXX XXXX, that was taken out in 2011 in the amount of {$400.00} and a formal complaint has been filed against me. No such loan exists and I 've asked them to stop calling me and my family, but they keep calling. I am also concerned that they know who I bank with and know the last XXXX of my SSN. The rep I spoke with wo n't tell me what XXXX stands for.
XXXX is mis reporting the date of last activity to Equifax for my old master card account. The true date of last activity is XX/XX/XXXX ( showing correctly in XXXX XXXX and XXXX ) however, on Equifax it is reporting XX/XX/XXXX.
I attended XXXX from XXXX to XXXX and I was paying for my tuition. I was working two jobs during that era and had no financial difficulties. XXXX official or their financial department called me up to sign in for student aid from XXXX, I told them that I do not need a loan and they told me that each student had to sign in for a loan. Since I was new in the country I did not know what all that loan process was. Nevertheless, I did sign some papers in their financial office but I had never received any money from XXXX or from any company concerning federal student loans. 
I hereby submitting this complain against this company called Navient.
In XXXX XXXX We took a loan for XXXX from Washington Mutual Bank, which later was bought by J P Morgan Chase Bank for a property located in XXXX XXXX, Florida. XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XXXX XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.
XXXX 2016 I reported to my bank that my bank account lost money in XXXX, XXXX, XXXX and XXXX, my bank EAST WEST BANK in XXXX/XXXX/16 returned parcel my lost money {$18000.00} back to my account, now still has {$11000.00} not return to my account yet, I request EAST WEST BANK return all money to me ASAP.
ASK TO VERIFY DEBT. DID NOT VERIFY. CONTINUES TO SEND COLLECTION LETTERS TO MY MAILING ADDRESS.
I paid off Navy Federal on a settlement. They have sent me documentation that I owe nothing more and I even filed a XXXX to pay taxes on the amount I did not pay during the settlement. It is still on XXXX and XXXX and needs to be taken off immediately. I have called several times and I keep getting the same answer that they will resubmit. It has been over a year now and it 's affecting my ability to buy a house.
I was was looking for legal representation after firing my lawyer and they notified me of the courts decsion late and put up my house for sale X/XX/2017 with no notice to me. <P/>I had already spent thousands on legal representation for lawyers that negotiate with their clients XXXX of defending the merits of the case. There are no lawyers that want to appeal the case without excessive charges. <P/>I was forced to file Bankruptcy to stop the sale.
I entered into a   XXXX   XXXX   business agreement on  XXXX   XXXX   2017 . The total cost to do the business is  XXXX  dollars. I paid  XXXX  and have a balance of  XXXX . The business coach advised me that the business will finance the remaining balance. I asked on  3 occa sions if a credit check will be done and I was told no. The company sent me a document to sign with all my basic information. As a business partner I signed. On the  XXXX  of  XXXX     2017  I got an alert that some activity went on my credit. Only to see it was Conrad Acceptance Corporation. I contact my coach and told him I was being lied to that a credit check would not be done and I need a refund of a reversal of the transaction. He told me to contact support help at legendary marketing. I was told that the agreement I signed can not be cancelled or reversed afte r 3  business days. I made a report to my credit card company and the Credit Bureau. Attached is all text messages and emails.
I AM STILL BEING FOUGHT WITH WHEN I CANNO HEAR ON HEADSETS AND VOIP SYSTEM AND THEY REFUSE TO GET ME SOMEONE THAT I CAN HEAR AND WILL NOT GET OFF THE HEADSETS. I AM TOLD I CAN HEAR JUST FINE AND THAT THEY REFUSE TO DO IT ANY OTHER WAY. 

XXXX AT XXXX ON XX/XX/XXXX XXXX AFTER HER AND HE WAS THE WORST OF ALL OF THEM. 

XXXX T XXXX AT XX/XX/XXXX PLEASE PULL ALL THESE CALLS AS IT IS NOTED ON MY ACCOUNT. 

VERY RUDE FOLKS AND VERY CRUDE AND NASTY. 

now XXXX and XXXX too discriminated once again at XXXX
Good Morning, On XX/XX/XXXX I called XXXX XXXX to settle an amount for XXXX dollars for a canceled XXXX XXXX plan. We agreed upon XXXX to settle the account and show it as paid and closed. I paid the agreed upon amount and waited for it to reflect on my credit report. It finally was updated and was removed from my credit report initially. Later I noticed it was on my XXXX Credit report so I disputed it and it was successfully removed on XX/XX/XXXX. Report Number for this is XXXX in reference to account number XXXX with XXXX XXXX. Since this time I have started the process of buying a home and when my credit report was pulled I was shocked to discover that this account was back listed as a collection account with both XXXX and XXXX. I have disputed the account with both and it still hasn't been removed. I then called XXXX XXXX and they had no idea why it was showing on there end as no longer settled and weren't of any help. I then proceeded to go back through my bank statements and find the exact day and time I paid the settled account. There was a phone number listed that didn't match XXXX XXXX so I called it and it was another collection firm. She affirmed to me that I did in fact pay the debt and the amount I have referenced above that for some reason XXXX took back ownership of the account and she doesn't know why. So here I am not knowing " why '' a account I have settled is still showing as unsatisfied. On my bank statement the amount charged to me to settle the account also has XXXX listed so I am upset with this matter. Something is being done wrong and I find it highly offensive that no one seems to know why. How do you lose an account and then magically reopen it back up as not paid?
My landscaper ( XXXX XXXX ) notified me that he had received a notice, dated XXXX/XXXX/16, from his bank ( Wells Fargo ) that a {$300.00} check that I have given him on my XXXX checking account had been returned for insufficient funds. Since he had deposited the check in his Wells Fargo account, Wells Fargo notified him that they were placing a hold on the funds and resubmitting the check for payment. 
Since I keep XXXX dollars in my XXXX account and have an overdraft protection feature, I went to my XXXX branch to investigate why the item was returned. On XXXX investigation, it appears the check was paid on XXXX/XXXX/16 and not returned for insufficient funds. I find the sequence of events and dates to be highly suspicious. The sequence is as follows : Check written on XXXX/XXXX/16, Deposit Date XXXX/XXXX/16, Check paid by XXXX on XXXX/XXXX/16, Hold notice sent for insufficient funds dated XXXX/XXXX/16. Plus, there is no indication in my XXXX account history of any returned items. I am suspicious that Wells Fargo is placing unjustified holds on customer accounts, as in this case and collecting hold fees as indicated in the notice or use of the funds while not credited their customers accounts.
I have disputed that there was no late payment in XX/XX/XXXX. The mortgage company made a mistake when entering my payment information. I have had several conversations with the mortgage company and they said they would modify to either show no activity or not late yet it remains on my file. This needs to be modified and corrected.
I have some issues regarding my Amazon Store Card account, I was hoping that someone would help clear-up : In XX/XX/XXXX after using the same password when logging into my online account since I first opened my account, my password no longer worked. I called customer service about this so I could make a payment, they said they had my bank account info and would process a payment. I also asked for a replacement card at that time. Unbeknownst to me, my XX/XX/XXXX payment which I made online had not been credited! Then later in XX/XX/XXXX, I received a letter that said my account was delinquent, to my great surprise. Now both of my last XXXX payments made failed on their end and my account was n't credited! So I sent a personal check payment along but did n't have time to call because I was going to be out of town for awhile. 

On XXXX XXXX, I had time and called customer service again, my first XXXX attempts I was hung-up on after holding for very long times. After a hour of trying to speak to a rep, I was finally successful and got to speak with XXXX about the events that occurred. We spoke about how my payments were n't being credited, which she could n't give me a reason for. We also discussed how my passwords were n't working and how I was unable to access my online account, again she did n't know why. She helped me access my online account and told me I had n't been charged any online late fees and that I was in good standing. XXXX also said she would send me the replacement card I had n't received from my last request. 

On XXXX XXXX, I called customer service again because my new password was n't working again and I was unable to access my account. I again had to request a replacement card because I still had n't receive one since the last XXXX requests. Once online I now could n't view all of my previous statements, even though I was always able to in the past. 

Of greatest concern is that in XX/XX/XXXX, I received a copy of my credit report and saw that Synchrony Bank reported me as delinquent past XXXX days in XX/XX/XXXX. This is unfair considering my attempts to make payments and access my online account failed due to problems at Synchrony Bank. I ask that Synchrony Bank fix this and remove this blemish off of my credit report immediately. 

Overall the experience recently with SB bank has been very disappointing, frustrating, and time consuming. I never had problems with this account before Synchrony Bank took over my account from GE. I look forward to hearing from someone from Synchrony Bank regarding the negative mark left on my credit report.
Everytime I make a payment to a company wells fargo holds the money in my account for a week  or two and Im thinking the payment is already out of my account and wells fargo start charging me overdraft fee for {$35.00} and they keep charging me and I have to pay them back. I have the money in there but wells fargo delay taking out payments and it keeps saying pending for a week or two. They are scamming comsumers put of money. I went to the bank to complain about this to t he bank and they said this is the way the do banking.
Good Morning XXXX XXXX and Gentleman : For the first time in my XXXX years of life I have had to file FTC complaints for the three subjects noted above which have each occurred to me in the past 2 weeks. The FTC File numbers are as follows : Identify Theft : XXXX - Unauthorized Debit Card usage by an unknown party in XXXX XXXX, CA. and investigated ( concluded to my satisfaction by XXXX XXXX XXXX ). 

Internet Wi-Fi Scam and Phishing : XXXX - Wi-Fi lock-up of 3 personal laptop computers through our XXXX XXXX ( they are without fault as the line is password secured ) and a phone number to contact on the screen ( internet access denied ). I called and they claimed they were not XXXX but were an affiliate with XXXX certified technicians. I have informed XXXX of same. They wanted {$990.00} to free up the internet service. Company name ( probably bogus ) was XXXX XXXX. Collection of funds company name XXXX. This saga continues as they have utilized various means via e-mail, phone and using XXXX  messaging with subsequent phone scam, to get me to use the word " YES '', I have not! The most recent contact was yesterday afternoon ( XXXX related phone scam ) at XXXX XXXX CST. I have informed XXXX and closed my account. Unfortunately, any one of 280+ connections I had on XXXX are subject to compromise. One of them was XXXX Senator XXXX XXXX ( I 've know him personally for over 30 years ), and many other wealthy and influential people have been exposed. I expect more problems from these scammers today and beyond. My XXXX Profile identified me as the Founder & President ( CEO ) of XXXX XXXX XXXX XXXX. and Author & Publisher of " XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. 

Unfair and Deceitful Business Practices : XXXX - XXXX XXXX XXXX , XXXX. - Details unimportant but they have used phone and e-mail to communicate with me committing to refund monies to resolve dispute and no refunds have been issued nor do I anticipate that they will. 

I have printed documents involving each of these 3 events and can forward them to the appropriate party ( ies ) at your direction. I will allow the FTC to do their due diligence and arrive at their conclusion on each case. I did contact the FTC by phone once to provide additional information on the Scam and Phishing complaint and was very disappointed by the lack of interest expressed by the FTC call center staff. I will continue to ward off future attempts by the scammers to gain financial or personal/professional information from me. 

I greatly appreciate your time, attention and future suggestions. Thank you. 

XXXX XXXX Founder & President XXXX XXXX XXXX, XXXX. XXXX Author and Publisher Senior Citizen & Taxpayer ( XXXX ) XXXX
This Complaint is placed as I have been disregarded by two of the major credit reporting agencies. In XXXX I submitted a dispute toward the credit reporting agencies in regards to my personal credit being compromised in a corporate breach. Although XXXX  has followed the law according the FCRA sect. 605b and blocked the identified items in my law enforcement report, XXXX and equifax never ackowledged my request. Therefore, I am filing this complaint towards their non-compliance with this congressional act.
I recently had a bankruptcy discharged and I am trying to re-establish credit. When I tried to purchase a used vehicle I was told by several banks that I was denied credit because Trans Union is showing my credit score as XXXX or XXXX. I called Trans Union and was informed that they do have a credit score for me and the banks are doing something wrong in obtaining the score. I find it hard to believe that every single bank is making the same error. I am also in the process of refinancing my house and was told by the bank that Trans Union is showing my credit score as XXXX. Trans Union is sending me a copy of my credit report but feel they are not doing anything wrong when reporting my score.
Bought a bed last year and it is no good we put together right but what wood its made out of stinks it started falling apart
Last Tuesday, XX/XX/XXXX, I was making an ATM deposit at my local SunTrust 's drive thru. I put in two checks, one for {$1000.00} and one for {$960.00}, and the ATM read something like : ||Number of checks : 2 ||Number of checks read : 1 ||Total amount : {$960.00} ||Since one check wasn't read, I cancelled the deposit completely out of habit when this happens. The ATM spit out one of the checks, and made a lot of whirring and squeaky noises without the {$960.00} check coming out. The ATM said something like : Transaction cancelled. Thank you for banking with SunTrust. 

I called the SunTrust XXXX number while sitting in front of the ATM. They told me to talk to someone in the branch. 

I walked into my bank branch and talked to a customer service representative. She told me to email corporate customer support. 

I emailed customer support. They told me to call their fraud prevention department. 

I called fraud prevention. They told me to download a fraud incident report, fill it out, and fax it back to them. 

I faxed the report. I was notified as I did so that this may take up to ten days. 

This is an awfully long time to be missing that much money because of a blunder on the bank. My personal accountant told me to just ask my client for another check and cancel this " fraud claim '' investigation ( which the bank assures me it's being handled by the proper department ). I asked my local branch rep. She told me to not take any other action ( ask for a new check, cancel the " fraud investigation, '' etc. ) because it might inadvertently cause a returned check fee, for which they " would not be held responsible. '' I called yesterday, XX/XX/XXXX and asked for a manager to check on the status. I was told it's likely going to be another week before they have an " outcome, '' since it's ten BUSINESS days, which would be on XX/XX/XXXX. 

I've already opened my first credit union account. Honestly, at this point I want this situation resolved so that I can close my account completely and take my business elsewhere. I'm not hurting for the money at the moment, but it's an awful large amount of money to be sitting around wondering if they will find the check, or if it's been chewed up in the ATM and I need to ask my client to cut me another check, for which I'm positive SunTrust will not reimburse anyone the cost for a stop payment fee. 

After fifteen years of banking with them, it's always been underwhelming, but I wasn't in a great position to change banks until recently. After numerous sketchy overdraft protection fees while I was in college, the bouncing back and forth from a free to paid checking account without notifying me when it's converted back to paid, nothing SunTrust has ever done felt like they had me in mind.
From XX/XX/XXXX - XX/XX/XXXX I was charged {$89.00} per month for insurance coverage by Nicholas Financial. After providing documentation to the company showing that I maintained insurance on the vehicle during that period of time, fees for the insurance which had been applied to the principal amount on my loan were removed. I am concerned that the insurance fees totaling more than {$3000.00} affected the amount of interest that was charged on the loan.
I submitted my normal mortgage payment to US Bank, and discovered that they are now charging a {$5.00} fee ( NOT a late fee ) if you pay online after the XXXX, but before the late date of the XXXX. I usually pay before the XXXX so never noticed it, but this was on the XXXX or so. I wrote and asked them why there was a fee. I received a message back that this started after XXXX possibly, was NOT a late fee, and would be charged to online payments if you do not pay on or before the XXXX of the month. This seems very strange to me and punitive. I always pay extra on my loan and am now donating {$5.00} of that to US Bank for no reason, which is unsettling.