WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card through Victoria 's Secret with Commentity Credit Card Services.  My payment date is the XXXX of each month. I post the payment myself every XXXX. They are charging me late fees because the payment is posted past XXXX XXXX on every XXXX, and will not take the late fees off of my account because it is made past XXXX on the XXXX. However, my payment is still the XXXX and the payment is processed for that day. They can only make one refund credit each 18 months which they did for XXXXXXX, but will not refund any further. They said they could they would refund one month but not any further months. They have charged me an extra {$260.00} in late fees for paying past XXXX on the XXXX which is my due date, making my bill {$660.00} instead of {$400.00} dollars. I have spoken to XXXX, the highest manager of  commenity who said they will only refund one month and no other months. I want these late fees taken off because i do process on the XXXX which is my due date and he would not help me in any way shape or form and was very rude to me. The late fees also range anywhere from XXXX $ to {$37.00}. It was XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX, XXXX, then XXXX. When I asked about the inconsistencies he said that they have the option for it to go to up to {$37.00}, but then they went back down to {$30.00}? I want to pay the bill of and told XXXX in the future I would set it to draft by the XXXX each month automatically but he refused to reimburse me when I have made the payment every day on the XXXX, but is explaining I have n't because it was between the hours of XXXX and XXXX XXXX.
I did not try to fix it because I do n't know this company and they want me to verify my personal information to people that call me. I have NO contract with this company nor have I ever heard of them.
I have multiple XXXX unauthorized charges on my Citibank Debit card. I calle dand opened the dispute and received affidavits to fill out. I filled them out and then started getting additional letters stating they did not receive the information requested, when in fact I did send everything back. I called two times and spoke with Supervisors stating they would take care of the miscommunication. I explained I don't have any additional information to provide. You can only dispute a charge with XXXX through online forms that require trip details plus my debit information including expiration date. I don't have detail to provide because I didn't take the trips, which is where my dilemma. Citibank keeps closing my dispute and sending me the same letters I've called in about and spoken wit Supervisors about stating I didn't provide info. I'm in an endless loop of letters. I want Citibank to investigate the disputes. The info I've provided is all I have. I have nothing else to provide. Can someone truly investigate these charges fully. I did not take these trips and don't want to be penalized for XXXX sharing my debit card info.
I feel that the payments are not being applied properly. I have a statement from XXXX showing the principal and the interest that I will be paying over the course of the loan. 
I still have XXXX years balance to pay but I have paid more interest than my letter states. 
I pay on this loan each month. This loan was for our son 's education. We had all the loans combined when he completed school. He later went back to school to further his education. Navient stated that this was deferred because he went back to school and had new loans. This loan that I am paying for is in his name therefore it was placed in deferred status. I explained that payments have been made each month as we agreed and is not deferred. I would like someone to look into this matter. I know I still have a balance and we plan to pay the balance of this loan this year. He attended XXXX and XXXX in Georgia.
I had a few past debts. I paid them with the settlement agreement. It was wired from my bank to theirs. They are refusing to give me a paid in full receipt. Stating they have to put a hold on it for up to ten days. I have a family of XXXX. I just gave them almost {$1700.00} to pay them in full. I need this receipt because we 're poor that exhausted most of our funds. We 're trying to get a house loan, they need the paid in full receipt to add to our case, the debt collector is refusing to send me anything. I 've called a few different times requesting this since Wednesday XX/XX/XXXX2016, when the funds came out of my account. They 've been rude, said they 'd send me a letter to respond to so they could send me a transaction notice, but I have n't received that either. I need this receipt now. Please help
I have disputed the following address XXXX XXXX XXXX, Texas XXXX with XXXX for I have NEVER resided there. My driver 's license has never had this address. XXXX keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.
Hi I tried to check my rates without pulling my credit report ( hard inquiry ). And i am still shopping arround cause the loan ammount that i need is more than 25k, then it happend to see a hard inquiry on my credit report from Upgrade, I never ment or wanted or accepted to process any loan application or accept any terms specially that the loan amount doesnt match my needs. 

Also the costumer service guy at Upgrade recommended me to send an email to XXXX to explain what happened with me so you can remove this hard inquiry from my report but didnt have any response from them. 

Please i would like to give you any kind of explinations needed to kindly remove this hard inquiry. 

Note : i was using upgrade ONLY because i can check rates with no impact on my credit score. 
My score dropped by 15 points yesterday. 

Looking forword hearing from you soon Thanks Sent from my XXXX XXXX XXXX XXXX
At the time of closing, there was no mortgage insurance listed on our closing disclosure and documents. When we received our first mortgage payment statement, the amount due was {$92.00} more. I emailed our mortgage broker with XXXX XXXX and asked if he could explain the discrepancy. He responded 2 days later explaining that " for some reason, the payment letter and such given at closing did not include the mandatory Mortgage Insurance '' and encouraged us to pay the amount with the mortgage insurance from the payment statement. I do n't feel we need to pay the amount with mortgage insurance as this was omitted on our official closing documents we signed at closing. I emailed and mailed a complaint letter to both XXXX XXXX and XXXX Mortgage on XXXX XXXX, 2016 with a deadline of XXXX XXXX, 2016 to respond or I will file a complaint. I did not hear a response from either one of them and I am reporting our mortgage broker with XXXX XXXX. I did make our first mortgage payment on time for the amount we signed at closing ( {$1900.00} ).
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I get a legal circuit court on my credit report without any detail of the company name or a date of this debt.
I'm sure your getting tons of these but please see the attachment as they are double charges by Coinbase : I made 3 purchase betweenXX/XX/XXXX-XX/XX/XXXX and was charge for those at that time but received those same charges today again for the same amounts causing my account to be over drafted. see attached for charges.
XX/XX/2018, an unauthorized ATM withdrawal took place for the amount of {$1000.00}. 
My Identity was stolen and I notified J.P morgan chase on XX/XX/2018, and requested a new Debit card. chase mailed the card and I never received it. on XX/XX/2018, someone used that card and withdraw {$1000.00} from my checking account, I received a mobile alert and instantly notified chase bank about the fraud activity same day XX/XX/2018. after their internal investigation chase denied my claim three times. I request a written explanation but they refused to provide any written explanation of the denial of my claim.
We received a FINAL NOTICE from the City of XXXX that our property taxes were not paid for the tax year XXXX. We had no idea, as we pay through escrow with Carrington Mortgage company. Apparently Carrington did not pay our property taxes, and now the City of XXXX is planning on selling the lien to our house if these taxes are not paid. We have contacted Carrington multiple times. They have said that it was their fault and they should pay, then they said, they could n't get in touch with XXXX City. We are now a couple days away from the final pay date, and the bill has not been paid, and we are probably going to lose our home. We have NEVER, in 12 years even been late on a mortgage payment. This is unacceptable.
I had fraud on my checking account with Navy Federal Credit Union. This happened while I was in XXXX, the person who did it was XXXX XXXX, I submitted all the fraud affidavits filed a report with the police in XXXX, XXXX and filed a ftc report as well. In addition I filed the fraud paperwork Navy Federal Credit Union sent me. This still has not been resolved. Navy Federal has blocked access to my accounts and say I owe them for this. I have filled out all the paperwork, filed police report but still they will not let me access my ccounts or give me new account numbers.
The account was originally in collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. The account was reported as date opened XXXX and first reported on XXXX. I disputed it on XXXX/XXXXXX/XX/XXXX and the collection account was deleted from my credit report followed by a confirmation letter from the credit bureaus dated XXXX/XXXX/XX/XX/XXXX, they are Reporting old debts as new or re-aged. 
I recently noticed the account was added back but now reported by Perfection Collection and illegally reported as account opened in XXXX and first reported XXXX as well as misstating the balance due. I have done numerous disputes to XXXX and they refuse to update it and tell me contact the collection agency.
I received a letter today from my mortgage company, Cardinal Financial Company, telling me that " their records show my homeowners insurance expired, and we do not have evidence that you have obtained new coverage ''. This is total XXXX XXXX. My coverage has renewed as expiring. There is absolutely no reason for them to have any " records '' that show my coverage expired. This is called " forced placement insurance '' and its one of the biggest scams in the U.S. financial industry. Tell these XXXX to do their jobs and get my insurance information from my insurance company or my agent. And please investigate and sue the XXXX out of all of the mortgage company criminals and end forced placement insurance.
My medical bills that went to collections with XXXX XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX dropped off in XX/XX/XXXX and now XXXX is reporting them again.
On the XXXX of XXXX, XXXX I was notified that my personal information to include my social security number, address, DL number etc. has been compromised and is now public information by the incident with equifax. 

I believe this is improper use of my report and was without my consent. Equifax used my private information improperly and put my identity at risk to be stolen.
My son decided to try to better himself by going to XXXX in XXXX, he was grown with a family, but XXXX XXXX, now, Navient, insisted he get me to cosign the loan, which I did. He has kept up on the payments for the most part, but they will not give me loan information, even though the late notices and phone calls come to me. He says they will not answer his questions either. When I paid off my student loan, twenty five years ago, I had the same problem. You would think things were better now.
Wells fargo charges my bank account for fees without authorizing it through me first. I received fees in my savings account for completing too many transfers in one month. Fine, but I believe I should receive warning that the fee will hit my account so that I can make sure that the money will be there rather than them doing it without notifying me so that I am hit with that fee plus another overdraft fee because there is no money in the account. I called they would not refund me the XXXX dollars and I explained to them had I known I hit the limit of transfers per month, I would have gone to the branch store and done the transaction. Also, I received a fee in my checking account relating to a closed credit card. Because I could not make the payment on time wells fargo took money out of my checking account, and my checking account could not cover the transaction, so I was dinged with another XXXX dollar overdraft fee. I believe I should be notified, I have never seen a fee like this for a closed credit card account and if they are going to do that I would like notice so that I can make sure the money is in there or pay them by other means. Also, multiple time I have taken money out knowing that I was going to pay a fee of XXXX dollars for an overdraft protection. Multiple times I check my account everything has been posted so I agree to taking out XXXX dollars for a XXXX dollar fee. But what happens a couple of days later I check my account and transactions that were posted before the XXXX dollar withdrawl are somehow showing up after the withdrawl and I am dinged with more than one overdraft fee. I have been a wells fargo costumer for 3 years, my parents have been a customer for many and have multiple lines of credit out with them for a mortgage, renovation loan etc. Please help I am being charged thousands that I do not have and banks and insurance companies are aware of my credit but if I keep getting dinged I do n't know how I am going to ever save or have decent credit.
I was mailed instructions on paying my mortgage off early. We decided to wire the money in an account that the mortgage company provided. Our bank follow the instructions and wired the money. Three days had pass and I check the balance on this loan. The money was n't posted to my account. So I call the mortgage company. Their call center is in the XXXX. They submitted a research on this wire and never call back. At first they say we enter the wrong account number on the wire. Our bank checked with XXXX XXXX they told us the wire was in the right account. They will not return the money, that PHH needs to pull the wire. This has been going on for over three weeks and the mortgage company will not talk to us or returns any phone calls. We keep getting the run around. Where did my money go?
On Thursday XXXX XXXX, I was refused by three Bank of America employees at their XXXX Branch my requests to open accounts - checking - savings - credit - debit - for the following : XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, both c/o XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
Previously, On date : Mon, XXXX XXXX, XXXX at XXXX XXXX I : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX sent to : XXXXXXXXXXXX a Request for Special Deposit Assistance by : XXXX as follows : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 11 days ago ) XXXX XXXX, XXXX XXXX XXXX XXXX , Chief Executive Officer Bank of America XXXX XXXX XXXX XXXX XXXX , NC XXXX Request for Special Deposit Assistance I intend to open accounts today by SPECIAL DEPOSIT at the Bank of America branch in XXXX Pennsylvania today. Recently, I was prevented to open Special Deposits accounts at a Bank of America location by an employee who is not trained in banking law. Accounts include checking, savings, credit and debit cards etc for me and my XXXX, XXXX, Please allow convenient activation of both credit and debit cards at the branch office location for I travel or mail to my church address at XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Special Deposit Notices to Declared intent or purpose of this tender of payment as a Special Deposit order of the Payor and Beneficiary, and is to be credited to the depositor 's accounts as accord and satisfaction and payment in full of a discharge of any and all outstanding liabilities. 

It is my intent and purpose by a Special Deposit to merge the Legal and Equitable title to XXXX XXXX XXXX land and property, real, personal, tangible, intangible, corporeal and incorporeal to extinguish the debt and terminate the trust. Bond # XXXX XXXX XXXX XXXX XXXX. 

I am a XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, and I am listed in the alumni directory as simply priest. 

Blessings, [ red ink autograph ] XXXX XXXX : family-of-XXXX. 
These requests for Special Deposit checking and saving and credit cards was denied based on apparent fraud and intentional violations of the Emergency Banking Act of XXXX, and the Bank Secrecy Act, known as Dodd Frank. 

Special Deposit is defined at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, pages XXXX to XXXX, and by the book, XXXX on Banking.
My Experian credit report contains a wrong home address. Experian says the address was reported by a creditor, so I should contact the creditor and have them correct the information. However, Experian does not tell me which creditor incorrectly reported my wrong home address, so I have no way of contacting the creditor. ( By the way, the address Experian reports for me is fictitious -- it is not a address recognized by the United States Postal Service. )
wells fargo dillards never provided any proof of validity of debt with my signed signatures on any transactions or application or that any items were received by XXXX and signed for at my home all they provide is copies of a statement but no signed items and the account as a result of fraud issued by dillards without my Consent and this has causes me emotional distress that dillards wrongfully refuses to remove this fraud account from my credit reports and has not honored there XXXX fraud liability policy and have gotten nothing but rude customer service.
My Name is XXXX XXXX and I have graduated from XXXX University XXXX XXXX Nj in 2013 with nothing more than the daunting and draining stress of my student loans. I started paying back interest while in school, which was about {$520.00} on a quarterly basis ( mostly from the help of my mother ) and tried to consolidate my loans soon after graduation, but NJ Class was neither informative or helpful. I paid back as much as I could on time until things became unbearable and it spiraled out of control. Two years later, I 'm still struggling with repayment and the customer service with NJ Class has gotten worse. When I call to speak with someone about repayment and my financial situation I am spoken down to, rushed off the phone or even hung up on. I was even told " if you ca n't pay back the {$1500.00} a month there 's no point in paying {$500.00} a month because we will still garnish your mother 's wages ''. That is neither helpful, professional nor ideal feedback from a business. I understand that workers of student loan companies deal with a lot but the fact of the matter is, if this is the career they are in, professionalism must always be present. 
I am currently trying my best to pay all of my bills and loans but NJ Class is making it impossible. This has not only caused stress for myself but my mother has to also deal with the numerous phone calls, emails and letters from NJ Class. It has gotten to the point where they ring her at work ( which is by far, very disrespectful ). My mother did a great thing by co-signing my loans, in order to help further my education but the stress of repayment is physically making her ill. Six years ago, who would have thought that I would regret going to college since it 's taking such a toll on my mother? After long consideration and the upmost support from my mother, I have decided to accept placement in XX/XX/XXXX for my XXXX 's degree in XXXX. I am weary that NJ class may not put my loans into forbearance or even worse I may not be able to take out a loan for the year. I never thought that I would go back to school, but I found exactly what it is that I want to do with my life. Going back for my XXXX at University XXXX XXXX, XXXX is all I could ever want. It would be a tragedy if I could n't attend. In all honestly, I just wish that someone from XXXX would help me. It would help lessen the stress for my mother and I. Maybe if they explained things a bit more and were n't so rude, it could be easier.
Account is not mine, I did not pay or have a collection balance with XXXX, I have current service and always pay on time. This is unverifiable and inaccurate data
I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me. 
1. XXXX XXXX XXXX, account ; XXXX, this account is not mine. 
2. XXXX XXXX, XXXX, account ; XXXX, this account is not mine. 
3. XXXX XXXX, account ; XXXX, this account is not mine.
I have XXXX private student loans with Navient ( Formerly XXXX XXXX ). I 'm just a month behind with my payments, however they have continuously called me daily. Normally, it 's 1 or 2 calls a day which I understand. Today ( XXXX/XXXX/15 ), I have been called 5 times from ( XXXX ) XXXX. This constitutes harassment by a collector. The call times are as follows : XXXX, XXXX, XXXX, XXXX and XXXX.
I pulled my credit report to make a vehicle purchase and noticed several accounts that were opened under my name without my knowledge. This is fraudulent accounts that I did not open.
I've received MULTIPLE phone calls for months from telephone numbers that are similar to my own so that I feel more inclined to pick up. 

They call themselves " Sunrise Credit Services , Inc. XXXX XXXX XXXX XXXX , NY XXXX telephone XXXX '' and have tried to collect a " debt '' from me for XXXX XXXX XXXX in the amount of {$60.00}. I do not, nor have I ever owed this amount and have confirmed with XXXX XXXX XXXX that my account is in good standing. 

I have threatened to report them several times they've called ( and now I'm finally doing it ), but they are persistent and the phone calls turned in to mailed letters requesting payment.
I reported to Equifax ... and XXXX of credit inquiries from XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX mortgage and auto lenders inquiries that I didnt authorize ... these inquiries should not be on my credit report
I just recently completed the student loan rehab program. Once this is completed, I was supposed to have all late payments removed and the accounts removed from my credit report. I have had the negative remarks removed from my   XXXX   report, but the  accounts have been labeled collections/charge off. Transunion and  XXXX  have yet to make any changed. I called the Dept. of Education and they informed me that they told the bureaus to remove the accounts. So I called   XXXX   regarding this, and they refused to do so. They said that I had to wait until 2018, which is totally different from what DOE is saying. Both the credit bureau and DOE are telling me to speak wit h the other.
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

TD/XXXX ( paid in full ) charge off, I have never had a XXXX card and refuse to shop there! Complete and utter fraud. Along with XXXX XXXX which is from XXXX XXXX XXXX? I have only ever had service through XXXX ( XXXX XXXX XXXX XXXX ), I do not nor have I ever had XXXX XXXX XXXX and want this removed immediately.