WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 a counterfeit check of {$490.00} was cashed and that money was removed from my account. I noticed it on XX/XX/XXXX and called and filed a dispute. They offered no credits or solutions for that amount money from a check that doesnt even look real. Due to the almost {$500.00} coming out of my account, i was charged XXXX overdrafts of {$35.00} on XX/XX/2017. At this time i have not received credit for my overdrafts ( XX/XX/2017 ). From XX/XX/XXXX to XX/XX/XXXX, i called in many times. The reason for my repeated phone calls is that nobody could tell me how soon i would get a resolution. At one point an associate told me that because this is covered by Reg E they dont have a timeframe that they need to resolve this issue ( really? ). I finally told them that i want to file a complaint which only made the situation worst. I was transferred to a very nice associate who was supposed to be able to handle these escalated calls. Unfortunately, she couldnt handle a counterfeit check claim circumstance so she conferenced called me into that area. I was on the phone waiting for at least a half hour before i hung up. She called me back to ask if i hung up and wanted to know if i wanted to start at the beginning of the line again waiting for that other department. i asked her to wait on hold for that department and call me back - she couldnt do that. i asked her to have someone from that department call me back - she couldnt do that either. it seems this person who was supposed to be able to handle escalations couldnt do anything. I finally got my credit for the check on XX/XX/XXXX ( still no credit for overdraft fees ) I realized today i needed to write a check - which i rarely do. i went into the branch and they wanted to charge me {$3.00} for counterchecks. i didnt want to pay that and the associate couldnt waive it so i asked to speak to a manager. i spoke to a very nice man in the wells fargo branch in XXXX delaware who told me that it wasnt stores fault what the back office did and they couldnt waive the {$3.00} ( what? ). I told him that i dont care who im talking to and that its wells fargo 's issue. he finally waived the fee and he submitted a complaint for me but the whole mentality of " not my fault '' was crazy to me. Im not sure what i want out of this except for the fact that in total i have spent about 10 hours on this issue. i still havent received my credit for overdrafts.
I had financed with fifth third bank with amount of {$16000.00} for  XXXX   XXXX   XXXX . This financing on  XXXX   XXXX .  XXXX  monthly  XXXX  with late fees it would be {$320.00}. I found the loan was  XXXX .!!!!!!!  Want  more explain for this intersting. When I counted my payment it 's above {$1500.00} roughly. Paid off {$7000.00} with late charge {$340.00} and {$350.00} with last month of paid off before  XXXX   XXXX . I talked with them and how to calculate this payments they did n't explained or cerified my right. This financial institution I am not trust their process of this loan payment since I was starting my loan.
In XX/XX/XXXX a credit card purchase of {$1900.00} was made with the Best Buy credit. I was paying my monthly minimum credit card on the Best Buy credit on-time. My minimum could increase from time to time. And then in XX/XX/XXXX, there was an interest charged of {$120000.00}. 

I called and asked for according to them credit was to have been paid in full within the 24 months or that it would be subject to to the interest for the financing of that purchase. 

Now they are sending me bills for over {$200.00} and charging my account {$37.00}. I told them I could not afford such amount and advised that account be closed, which they did but are still charging interest and late fees. I asked that I was willing to pay $ XXXX monthly but they needed me to pay more and typically even as I pay, these charges are being applied.
XXXX XXXX contacted my husband via phone in regards to a credit card balance we owed stating they could reduce the amount owed by 60 % and we would only be paying 40 % of the balance. They made the offer sound so good he could not refuse and he accepted. He was told at the end of 24 months he would be debt free. 

They started drafting the payments from my checking account and my husband gave them permission to speak with me in regards to any questions I had. Somewhere around XX/XX/2015 they suspiciously stopped drafting my account and I was advised to continue paying via paper check. 

It took an act of congress for me to speak with a live person. I have archived emails that I sent to them that we received from the creditor. Sometimes we would receive a response other times the emails were unanswered. 

I finally gave up and told them I wanted all of our money back ( after making payments for 2 years ) and then the nightmare began. I was told by XXXX ( supervisor ) we could not get our money back because they were close to settling the debt and to continue sending the payments. 

Unfortunately, I did continue sending payments even though no actions were being taken to reduce this debt. Papers were served to my husband at home ( yes he was sued ) and now we are out of XXXX of dollars and still owe the creditor. 

These people are crooked thieves making a living off of unsuspecting innocent people. 

I have a paper trail of emails that I 've sent and received. I was able to save {$330.00} that I actually did a stop-pay on the check as recent as XXXX/XXXX/2015. 

People beware of these crooks.
I recently learned that XXXX has a special financing relationship with Santander Financing, which is the primary loan sponsor for XXXX, and I may have been given a loan by XXXX that was fraudulent and usurious. <P/>I bought a car from XXXX XXXX, XXXX, GA on XXXX. I was told that Santander was the only company that would finance the loan since I was coming out of bankruptcy. I was not shown the credit responses and believe that I was given a loan of 24.99 % over 6 years in order to support XXXX 's relationship with Santander. I was told that the payments of {$260.00} were over 5 years, but it turned out to be 72 months, 6 years, but I did n't notice the change in the paperwork. <P/>When I became unemployed in XX/XX/XXXX, I asked for a reduction. I was given a {$100.00} reduction for 6 months for only a {$600.00} reduction. Then the payments were stretched out until XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then  XX/XX/XXXX. I kept getting different payoff dates from CSRs, so I stopped making payments in XX/XX/XXXX. I recently settled for a final payment of {$270.00}.
On or about XX/XX/XXXX I closed on a refinance of my home with New American Funding Inc. My XXXX payment was due XX/XX/XXXX and I have made all my payments on time. Today XX/XX/XXXX I was contacted by a Mortgage Company concerning lowering my VA Loan through a VA Interest Rate Reduction Refinance Loan ( IRRRL. During the initial process I was informed that the current servicing mortgage company was not reporting my loan with the credit bureau 's and this was hindering me from getting the lowest interest rate available. He state I am only a couple of points shy and not reporting the loan was preventing me from obtaining the points. I contacted the XXXX bureau 's and they agreed. I then contacted XXXX with New American Funding, XXXXXXXXXXXX. He stated in XXXX they went to a new mortgage servicing company and according to RESPA they wo n't report to credit agencies until XXXX. It would appear this information is incorrect and is harming my ability to obtain the best rate possible.
I had a loan with XXXX XXXX XXXX, car got repossessed, but now XXXX sold debt to a company called XXXX XXXX, but XXXX  is reporting a balance of XXXX and they sold the debt to XXXX XXXX   and it shows I owe them {$15000.00} open date XX/XX/2018 so I dont understand how I can have 2 bad items for one charge off repo, I want XXXX to fix this or I want XXXX XXXX to remove collection from experian and XXXX and XXXX.
At the beginning of this year I pulled my credit report and I saw a closed credit account from Barclays Bank. But in my knowledge I never applied for any credit card from this bank. I never received a collection call. When I called their customer service they have advised me to make a payment of XXXX dollar for the settlement of the account as I told them this is not my account and I have never received any statements. Then the representative took my email addres, my home address and my phone number and processed a payment through my debit card. After that the representatives emailed me a bunch of card statements and a notice. But still to date that account shows on my credit report and is adversely affecting my credit score. I tried to talk to their collection agency several times but they never responded and advised me we are looking into the matter and months passed by but they never responded or gave me any advise what they are doing with this account which was not authorized by me.
Capital One is blocking me from enabling external applications. I can not connect XXXX XXXX  to my account
I have received a credit card from Target with a credit limit of {$200.00}. I have been paying my debit with a balance of {$78.00}. due to financial problems I neglected to pay the debt and balance was taken over by collection agency. The balance owed has been inflated to the amount of {$450.00} appx. I have tried calling Target customer service but I was referred to call the collection agency. Target will not answer my questions and the collection dept. will only collect a debt that is over inflated.
It's been 2 months and this is still being reported as an open unpaid account. This is ridiculous! Please completely remove this off of my credit report from all three of the major credit reporting bureaus : XXXX, XXXX and XXXX. If not my next step is to get a lawyer involved that understands this area of the law to resolve this issue on my behalf. At this point it's not about the money. I already paid you in full, you've been paid. Now it's about your business practices. Please completely remove this off of my credit report from all three of the major credit reporting bureaus : XXXX, XXXX and XXXX
Loancare who is servicing my mortgage failed to pay my property taxes on time and paid one month late causing a late fee of {$180.00}. I spoke to the XXXX XXXX County Assessor office and they verified the information.
In XXXX, I opened a CitiGold account pursuant to an offer ( see attached ) to earn XXXX American AAdvantage miles upon meeting certain requirements. After meeting the requirements, I contacted Citi to confirm that I had done everything, and they confirmed ( see attached ) that I had qualified and should expect miles by XX/XX/XXXX. I recently talked to them, however, and they said that I do not qualify! I 'm upset ; I opened this account in response to their offer, and now they 're saying they wo n't honor the bonus, despite saying I qualified! Additionally, since I thought I would be receiving the bonus, I 've had to keep the account open and accrue a $ XXXX/month service charge. 

All I want is for Citi to uphold their end of the bargain!
I have a non-tax, non-student loan debt through the U.S. State Department which was being collected by the U.S. Department of Treasury in which I had payment arrangements. Due to a change in their accounts receivable system in XXXX I became lost in their system. My payments went uncashed, I stopped receiving statements and when I called, they could no longer locate my information. Apparently sometime in XXXX they turned me over to a collection agency, Pioneer Credit Recovery and provided an incorrect address to that agency. I received no written communication what so ever. In XXXX of XXXX, this collection agency ; using US Department of Treasury letterhead and documents, obtained a wage garnishment. I was provided no written, or oral communication about the garnishment and provided no opportunity to appeal the garnishment. When I attempt to reach the the US Department of Treasury I am told they no longer service my account and that I must contact Pioneer Credit Recovery ; however, Pioneer used US Department of Treasury letterhead, with their emblem as if the garnishment came directly from the US Department of Treasury but the payments are being sent to Pioneer Credit Recovery. In addition, non-tax Federal debt maximum for garnishment is 15 % but they are collecting 25 %. The US Department of Treasury refuse to verify or confirm that they put the garnishment in place and keep referring me to Pioneer Credit who will not answer my emails or return my phone calls. I feel that Pioneer falsely represented the wage garnishment as coming directly from the US Department of Treasury to avoid obtaining a court order and falsely prepared and submitted documents as coming from the Government but rather came from their collection agency. In addition, another collection agency, XXXX XXXX is attempting to collect the same debt.
I have been the victim if identify theft and fraud and can not seen to to undo the results of this as it pertains to crimes relate to payday loans. 

I believe an intermediary was used with my identification to see what " hits could be found '' in reguards to a quick payday loan. : I have recieved emails from the following intermediary but have been unable unable to make contact with them as their phone line is only useful for loan application. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX, FL XXXX ; ( XXXX ) XXXX I subsequently recieved communications from payday loan vendors associated with tribal affiliations. 

One was a loan application which was ( fortunately ) denied on XX/XX/018. 
XXXX, XXXX Also goes by XXXX., an economic arm of the XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MT. XXXX. Phone ( XXXX ) XXXX XXXX XXXX A police report has been filed on XX/XX/2018 and will be sent to them requesting all date be expunged. 

The initial payday loan vendor was Blue Loan Trust, who did a " soft credit '' check and approved a loan and has been calling me since. I have filed a police report whic has been sent and the Blue Loan has yet to aknowledge the fraudlent loan and contiinues to call me and send emails.They have not been helpful and have withheld information. My credit has been blocked, so it is disturbing that they approved such a loan. 
The are part of : Hummingbird Funds , LLC an ecomnic development arm of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Mail : LCO, XXXX XXXX, XXXX, WI XXXX, Customer services : ( XXXX ) XXXX FAX : ( XXXX ) XXXX
I wired money with bank of America. on XXXX XXXX, 2016. I provided the information they requested. I called them today to inquire about the status and they said it did not go through because there was an " ABIN '' that was required but BAO did not ask me for when we sent the wire. 
BOA returned a portion of the money to my account but kept {$40.00}. I called BOA to inquire but they were rude and the person that handled my call placed me on hold for 45 minutes and never returned to the call. I spoke with a supervisor ( XXXX ) who was extremely rude and unprofessional. She talked down to me and insulted me. 

She refused to help whatsoever and said that I should call the bank on the receiving end to find out what the issue was. I paid BOA to do the money wire and provided them with the information they requested. They failed to wire money and now they are failing to return all my money and I lost {$40.00} for their failure to do their job. 

They should know what information is required for the wire.
I used my Wells Fargo debut card at a third party atm for {$200.00} plus a {$7.00} transaction fee in mid XX/XX/XXXX. The atm declined my transaction and stated i had reached my daily limit for withdrawals. Upon checking my online banking on XX/XX/XXXX, my account statement showed that I had been debited for the {$200.00}. I filed a claim with Wells Fargo and was given a credit several days later. Roughly a month later I received a notification that the credit had been made permanent and their investigation was decided in my favor. On XX/XX/XXXX, {$200.00} was debit from my account and Wells Fargo is now telling me that theyve decided that Im responsible for the transaction. I received no notification of any reversal. No letter in the mail, no electronic notification of any kind. Wells Fargo does not honor their policy of account protection and has told me that its now my responsibility to go after the ATM owner. Its also worth noting that at the time of this transaction, Wells Fargo was experiencing severe atm issues and double debits were happening frequently. The company corrected the majority of those, but they take no responsibility for this error.
THIS IS NOT MY ACCOUNT. I HAVE DISPUTED WITH CREDIT BUREAUS AND IT COMES BACK VERIFIED. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY, PLEASE REMOVE FRAUDULANT INQUIRY ASAP.
I transferred a balance to this XXXX card in XXXX of 2016. Once it was there I transferred it to another institution, this allowed me to get a fixed rate of 5.99 % for the life of the balance. As soon as the balance hit the XXXX account, I transferred it to the final card account. That transfer cleared XXXX on XXXX XXXX, 2016. At that point there was a bit of interest accrued for sitting there, so I submitted a payment of the remaining balance, which cleared XXXX on the XXXX of XXXX, bringing my balance to {$0.00}. There was no way in the XXXX online system to get a payoff balance for the card, so the only amount I had was the current amount due to bring it to {$0.00}, which I paid. I subsequently closed the account with XXXX and had {$0.00} balances on anything remaining at XXXX. I received electronic statements as well. Apparently XXXX charged me interest in XXXX, since my accounts were at {$0.00} and I had electronic statements, I actually did n't realize I had been charged this incorrectly on my account. I did receive a physical statement in XXXX, after the amount was 30 days past due. I called XXXX at that time and they refused to remove the amount that was due on the account. During my dispute process the account went to 60 days past due. XXXX is reporting this to the credit agencies as well. On XXXX XXXX XXXX finally credited my account of the incorrect charge and brought it to a zero balance. I filed a dispute with XXXX in XXXX to have the credit reporting fixed, which was denied by XXXX. They beleive they are reporting it correctly, which they are not, and XXXX refunding the amount should make this clear that it was through no fault of my own. The total charge was around {$4.00}, which is disputed. I asked XXXX to fix my credit report, they did not. I escalated it, and XXXX still refused to fix my credit report, or unreport the disputed amount with the credit agencies. This is my last resort, as this error by XXXX has cost my FICO score about XXXX points over the last 3 months. Please advise on how I can get XXXX to correct this issue. 

Thanks, XXXX XXXX
After never receiving actual bank statements for my personal loan. I was never given an opportunity to pay my monthly payment without having to physically go to the bank. I then ran into a issue with payments where the bank representative never spoke of any late payments during the time of my payment. since the start of this loan, there as been a lack of communication for what i'm was responsible for each month. since trying to resolve this, I have seen this credit union continue to show inaccurate information about my payment history thru my XXXX along with other reporting agencies. Im asking for all miss payments removed along with {$1000.00} in compensation.
On Saturday  XXXX   XXXX    XXXX   I received a check for {$2500.00} from  XXXX  of the largest  XXXX  financial services companies in the United States. I took it to my local branch of Bank of America and asked the teller if there was a way that I could access {$700.00} dollars from the check that day. The Bank  Manager ca me out and said that I could take the check to   XXXX   XXXX   XXXX   and cash it and bring the cash back and I would have access to the full {$2500.00} that day. I went to a nearby   XXXX   XXXX    XXXX   showed identification. They said that there was a hold on the check and needed to call the   XXXX    company. After about  40  minutes I spoke to an assistant in the Bank and asked what was happening. The  manager of   XXXX   XXXX   came out and said that they could not c ash the check and I needed to call the   XXXX   account to receive the funds sooner than  XXXX   XXXX  but that the check would be cleared on  XXXX   XXXX . I went back to Bank of America and the  manager s aid that they would need to call the Financial services company to clear the check on Monday  XXXX   XXXX . I noticed on  XXXX   XXXX  that the check had not yet cleared so I reviewed my account online. There was a note on the transaction. "  Deposit Hol d {$2200.00}  Total Amount d elayed available  XXXX  at  XXXX  PT. '' I called the financial services company. They said that they had not placed any special hold on the check. The help person there said he had never in his career heard of a bank putting a  2 w eek hold on  XXXX  of their checks and he suggested doing a  XXXX  way conference call with them.They said that the hold was placed by Bank of America. I called the Bank of America help line and was told that the  2  week hold was placed on the check by Bank of America as punishment because my Account had been overdrawn by about {$250.00} when I deposited the check. Bank of America has been for several months been holding my funds for more than a week when I receive payments through my online web site I believe in order to create bank charges which have amounted to hundreds of dollars.
Servicer engaged in practices that harmed borrower, including but not limited to : failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; charging unauthorized fees for default-related services ; providing false or misleading information to borrowers regarding loans that had been transferred from other servicers ; failing to provide accurate and timely information to borrowers who sought information about loss mitigation services, including loan modifications ; misrepresenting to borrowers that loss mitigation programs would provide relief from the initiation of foreclosure or further foreclosure efforts ; improperly denying loan modification relief to eligible borrowers ; providing false or misleading reasons for denial of loan modification ( s ) ; with respect to transferred loans, failing to honor in-process trial modifications agreed to by prior servicers ; and robosigning affidavits in foreclosure proceedings. 

The servicer ( ASC ) cliams the investor ( s ) will not modify/pay " Corporate Advance Fees/RICO ) fees. However, after reconfirming eligibility and terms via REST Report/Loan Disposition Analysis/NPV, these fees should be waived, as this loan qualifies for HAMP Tier 1 & Tier 2, as it is confirmed that the investor participates ; the borrower, in good faith, paid the RICO fees of {$2300.00} on XXXX/XXXX/16. 
Claims of Improper Denial, The ASC confirmation for payment of the RICO fees was/is - XXXX
I have two inquires from XXXX XXXX XXXX ( Inquiry : XX/XX/XXXX ) and XXXX ( inquiry : XX/XX/XXXX) I am not liable for and its showing up on my credit report.
We had an interest-only mortgage with Wells Fargo for 10 years. We always paid on time. When the 10 year term of the loan came close to ending, we tried to refinance the mortgage, since the on option Wells Fargo gave us was an interest and principal loan amortized for 30 years. The payments were too high, so we tried to negotiate a 30 year term loan. WF gave us a run-around, kept denying us after numerous attempts, even though our income/debt ratio was in line for their refinance consideration. Eventually, I was forced to file a Chapter XXXX bankruptcy to stall their foreclosure proceedings and we eventually had to sell our home below its value. They were horrible to work with, and forced us out of the home we planned to keep.