WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, company charged a total of {$100.00} for two returned item fees and an NSF fee. In attempting to learn why, BB & T informed me that two items were returned and because of the returned item fee brought my account negative, a NSF fee was assessed. Also, through my messages with BB & T, I learned that the two returned items were unauthorized attempts to withdraw monies from my account. I attempted to explain this to BB & T and they allege that these are recurring withdrawals from an external account. However, I can assure this agency that I do not have set up any recurring withdrawals.
I attended University XXXX a few years ago. The school was not the right fit for me, so I withdrew. I emailed officials at the school and everything was taken care of. Then I see this amount of about {$5700.00} show up on my credit report as collections months later. I found out they sent my student loans back without telling me, which is illegal. When I withdrew, none of the XXXX clerks mentioned that I would owe that due to loans being sent back. When I called, the director of their financial aid department said " Well we like to tell students in person. ", as if that was a valid excuse for not informing me that money would be returned and I would owe it immediately. She also told me if I would have toughed out the semester with just one class, they would n't have sent the loans back. This is something that they should have told me, this is negligence on their part. Had I known they were going to do this, I would have complied with one class. Also, they let that balance sit in their financial aid department as a balance due for months. They had my phone number, mailing address and email ( which is how I withdrew in the first place ) and no one contacted me. I found out when it showed up on my credit report and I started getting calls to pay the debt. 

This debt was paid. XXXX sent the loans back without my authorization or at the very least notifying me. Then when the debt had sat in their office, they made no attempts to contact me about payment arrangements. This negligent business practice on their part and their actions are directly affecting my credit report. I 'm trying to buy a new car and eventually a house and I ca n't do that if there is a near {$6000.00} derogatory blemish needing to be paid in full in my credit. 

I have had this removed from my credit report before and I need it off again. This is ridiculous.
Was informed by the creditor that XXXX closed one of my credit cards that was in good standing, never made a late payment and the balanced was paid. Was not given notice or the choice to decide to close the account or not. I did not want my account closed. 

Called the creditor they stated that XXXX decided to close the account. Called XXXX and they said they can not make those decisions. The creditor did not give a reason to close the account other than it was XXXX. No legitimate reason was given to close this account that was in good standing.
Balance {$900.00} which is false, and misrepresented as I paid {$450.00} so far. 
Opened : XX/XX/2013 ( 4 yrs, 2 mos ) I called this debt collector, we arranged a payment so far I paid {$450.00} and the last date I paid was XX/XX/XXXX.
Ad astra recovery services also XXXX XXXX wont remove this from XXXX after being removed from other bureaus
My previous case was case # XXXX. I received a letter stating the negative reporting would be removed from my credit report within 10 days. It has been more than 10 days and I now have a reporting of late payments two months in a row when I recently received a statement from Macy 's indicating I actually had a credit on my account as of XX/XX/XXXX.
I had posted an ad looking for XXXX tickets to a concert. I was contacted by someone named XXXX XXXX who had provided me pictures of the tickets and had agreed to send them via fed ex. They required me to send the money via western union in XXXX. I had sent the money and then they stopped responding to my texts. The money was picked up before I could cancel the transaction and the receiver no longer answers my calls or texts.
Back in 2011 we paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.
On XXXX XXXX, 2015, I submitted a complaint ( # XXXX ) about NationStar Mortgage 's utter failure to acknowledge or process my multiple requests for a loan modification. They have done nothing except send me auto-generated form letters. Indeed, their prior response to my CFPB complaint was worthless - it was nothing more than a computer generated response saying that they take customer service seriously. What a joke, because they have no customer service. Now, once again, I have provided them with every single document they have asked for, and they are nevertheless telling me ( via a form generated auto letter ) they do n't have a required document. It 's complete nonsense. I am at a loss of how to deal with them.
I purchased a bunch of items at a Home Depot store in XXXX, MA last year in 2015. At the register, a home depot sales associate said I could save 5 % to 10 % on that purchase and every subsequent purchase made in Home Depot online and Home Depot retail store, if I used a Home Depot credit card. So I signed up for the credit card believing that promise. A XXXX weeks later, when I purchased some more items on Home Depot, they did not give me the 5 % discount they promised on the credit card. So I called Home Depot/Citibank customer service, who clarified that there is no such terms. I canceled the card immediately, but I noticed that a hard enquiry was made on my account by Citibank. So I asked Citibank and Home Depot to remove that enquiry and that I would pay the outstanding balance immediately after. Till date, neither Home Depot nor Citibank have removed that hard enquiry, even though they acknowledge their mistake. I have made more than XXXX phone calls, sent them several emails also. They seem happpy to charge me for interests and penalties on a credit card they sold under a false promise. They have not helped me remove the hard enquiry with teh credit bureaus. 

I have never had a bad report on my credit report ever. This is the first time that a credit card company has landed me in trouble with unfair practice. 

I fail to understand what protection a consumer has against unscrupulous sales associates tjat make false promises to customers. In retail stores, when customers are in a rush, when there is a line behind the customers waiting to pay their purchase, it is not easy to scroll down and read the mnutiple pages of terms and conditions on a small XXXX device. 

I would like to have Citibank remove the credit reports on my file., remove the hard enquiry as well.
In XXXX 2014 XXXX XXXX XXXX have a collection account in my name from XXXX XXXX in the amount of {$80.00} and it 's reporting on my XXXX credit report. This debt does not belong to me and I have reached out 3 times asking for them to provide documentation showing this debt belongs to me. All they ever send me is a response stating this debt belongs to me, without any documentation to back up the claim that is false. This is a debt that should not even exist my child had medical coverage and my insurance covered this and it was paid in full. I have reached out to them by mail on 3 separate occasions and they are not complying and most of all they are " VIOLATING THE HIPPA LAW '' I am demanding them remove this debt off my credit as this is not an outstanding debt of mine!! Please have this removed ASAP as they are violating the HIPPA law
I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX.
Actually, talked to me about someone else 's debt. By calling me trying to collect someone else 's debt, and then telling me their company name, they revealed to me that the person they named owes a debt.
I would like to file a complaint against XXXX XXXX XXXX. In early XXXX, I called to dispute charges that were made by my husband without my prior consent, as we were going through a separation. The charges were made at XXXX XXXX XXXX, XXXX and XXXX XXXX, and totaled {$4500.00}. I was given a provisional credit while an investigation took place. On XX/XX/2018, I was informed by the XXXX XXXX XXXX investigation team that since the charges were made by my husband, who was an authorized user at the time, it was considered " friendly fraud '', and that unless I was willing to file criminal charges, I would be responsible for the purchases. Since I did not want to press criminal charges against my husband, I was informed that the provisional credit would be reversed and that the charges would appear on my next billing cycle. I was informed by XXXX XXXX XXXX that the funds would be released to the merchants in 7 - 10 business days.

My husband continues to have accounts with the aforementioned merchants, who informed him that after I disputed the charges, the monies were taken taken away. When I was rebilled, the monies were never returned to the merchants. I have called XXXX XXXX XXXX numerous times, and each time, I was told that the merchants need to call their bank to have the funds released. I was also told to show the merchants a copy of my billing statement proving that I was rebilled. Despite this, the merchants still have not received the monies owed to them. I have repeatedly requested to speak with a supervisor from XXXX XXXX XXXX dispute department, and each time was denied, as I was told that there was no supervisor available to take the call. Each time, I requested for a supervisor to call me back on my cell phone, with the promise that a supervisor would return my call within 24-48 hours of my request. My last request was on XX/XX/XXXX, and I still have yet to receive a phone call. In addition, the merchants continue to tell me that they still have not received the monies owed to them. XXXX XXXX XXXX has been charging me interest on the rebilled charges since XX/XX/XXXX. In essence, I am paying twice for purchases originally made in late XXXX/early XXXX.

I request that either the monies are sent to the merchants or that the charges be credited back to my account. In addition, I request that the interest charges on these purchases during this time be refunded.
I received a notice from Citibank , NA on XXXX XXXX indicating my credit limit would be reduced on my Sears Card since it had been dormant with no balance for 21 months. The notice stated if I made a transaction by the end of XXXX I could avoid the limit reduction. I consider this a form of extortion forcing me to use the card or risk a negative report of my credit report as a result of Citibank reducing the credit limit. I did us the card on XXXX and paid it off on XXXX. Citibank continues to threaten me with a line reduction and reported account dormancy to XXXX on XXXX/XXXX/16.
Checking acc # XXXX. 

Wells Fargo teller told me that I have 6 months in which to deposit a check at teller or ATM. What he did not tell me what that I have one day less at atm. 

Three checks were dated XX/XX/XXXX, and deposited exactly 6 months later on XX/XX/XXXX. 

Because the deposit was through the atm, Wells Fargo treated it as deposited the next day, and charged a fee for deposited a stale dated check. ( {$36.00}, which was {$12.00} times three. ) The {$36.00} fees were assessed XX/XX/XXXX. 

Wells Fargo should refund the {$36.00} fee because it incorrectly told me I had 6 months to deposit the check in the ATM, which warning that it was really 6 months minus one day.
I do n't understand why the credit card can compute my interest based on a 28 day basis? It should be at least 30 days at least, the average number of days in a month. That would provide a fair chance for consumers to pay within a usual pay period. When you compute it before the 30 days are finished you are penalizing the consumer for not paying when they are very unlikely to have received another paycheck to make the payment.
Synchrony Bank is not sending my Closed Credit Card account to Collections and continue to charge a monthly Late Fee. The Balance is not correct and inflated unlawfully I believe. I will be consulting an attorney when my health improves so I can seek Arbitration as I am currently dealing with multiple health issues which are not being improved upon by the stress of this situation all as a result of poor fraud protection by this Company. 
I am disputing the Balance owed and want the Account sent to Collections immediately then a payment plan can be initiated after the Balance owed is Corrected.

I would also like to make note of the Unfair reporting of this Account as Late since the Account is Closed and should be sent to Collections.

I have bills that Synchrony Bank keep sending me showing the Late Fee and will submit if needed.
I have been trying to get this agency to properly validate their claims that I owe them a debt. They refuse to follow the law set forth under the guidelines of the FDCPA and FCRA. XXXX has notified me that they have fraudulently updated my address in my credit profile to reflect an address a XXXX XXXX address which places me under their courts local jurisdiction. I believe this was done in effort to file a default judgment against me in their local courts and illegally serve me. I do n't currently or have ever resided in the state of NV. On several occasions this agency has failed to follow the FDCPA and the FCRA. They have failed to validate the account and mark account as disputed within 30 days of notification of dispute. They continue to attempt to collect on this debt without properly validating this debt. They continue to collect knowing there is misinformation in the file.
I 've had a XXXX card for 5 years and XXXX audited my credit report and closed my account without warning. I have not had a late payment and use the card and usually have money available on it. When I called they were not helpful and told me I would get a letter in the mail and that it came from them receiving a report from XXXX XXXX.
XX/XX/XXXX I requested modification from Chase bank Was told account was up to date can not qualify for modification unless past due Allowed two months to past and no mortgage payments were made, now past due Called back Chase and they initiated modification process Received correspondence about every 2 to 3 months from Chase requesting updates on my wife and me Completed forms for update and faxed back from a local Chase branch when each request was made About XX/XX/XXXX was advised modification was denied did not qualify The modification underwriter stated that my household income was to high Appealed denial on how it was done or processed and presented to me Received call a back on about XX/XX/XXXX from modification underwriter that my appeal of modification denied because no changes and we should consider a quick sale or a foreclosure Also he advised that my modification was originally denied from the beginning and because of mortgages regulations that they follow, had to continue processing under denial Asked him why was this denial allowed to go for almost one and half years if denied at an earlier stage. said had to follow banking regulations Was referred to a non profit organization HOPE to assist called HOPE and referred to XXXX ( financial solutions ) spoke with XXXX took down all my information and is under review
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from wells Fargo untill you called in XX/XX/XXXX saying I missed XX/XX/XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XX/XX/XXXX payment was missed ... I didn't know where to remit payment and I paid both XX/XX/XXXX and XX/XX/XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018
BB & T put a report that is preventing me from opening an account from other banks due to a issue they had with a joint account holders personal account.
I request an investigation from the Experian company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By Defamation, financial Injury. Protection under the FCRA, FCRA Section 623. Injury to your credit report and credit score, FCRA Section 604 ( A ) ( 3 ). The Credit bureaus, " Experian '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX Court Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). I gave them all the original information of the companies, Experian did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. Experian refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. As the FCRA and Experian do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and Experian. You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. the case of Child Support. Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information.
I purchased a home in XXXX of XXXX with XXXX as the lender, a XXXX and XXXX mortgage. The loans were refinanced with XXXX XXXX XXXX and paid in full in XXXX of XXXX. It was brought to my attention dealing with my current lender, XXXX, that XXXX never submitted the documents to release the liens. I contacted the title company and they provided payoff transmittals and checks to substantiate the payoff to XXXX. I contacted XXXX and sent the title policy, settlement statement, payoff transmittals and legal description to have the liens released. As instructed, that information was sent via USPS Certified Mail to PO Box XXXX, XXXX, FL XXXX and was received XXXX XXXX, XXXX. I received an auto generated letter from XXXX stating there was an error and the Lien Release process was initiated. Upon following up, one week later, I was told the loans were now being serviced by PHH Mortgage and that I needed to e-mail the information to their Lien Release Department at XXXXXXXXXXXX. I obliged and e-mailed all of the information on XXXX XXXX, XXXX. During my initial follow up one week later, the Customer Service Rep confirmed the loans were paid in full and that at this point it was a matter of having the Liens physically released. I have followed up with PHH Mortgage every week since sending over the documents only to be told that they do not have any additional information and that these issues take up to 30 days to process. Once the 30 days were exceeded the target then moved to " it can take up to 60 days to complete the Lien Release process ''. I have resubmitted the information to XXXX XXXX XXXX Ext. XXXX and XXXX XXXX, so it has been submitted to their company 3 times. I was also given a Supervisor 's name and number XXXX XXXX XXXX Ext. XXXX but she will not return any calls. Yesterday, 68 days into this process, I called their Customer Service Department and I was instructed to resend the information because he did not " see it in the system '', I had to tell him that I have submitted the information 3 times. I find it concerning that I have no accessible file in their system that would show the information was received or where it 's at in the process. We are now 69 days into this process and every time I call, no one can give me a status update or even really find my information. This is a simple matter of releasing XXXX old liens. I am very frustrated and seeking immediate resolution to this issue. This is not my fault, as these loans were paid-in-full with XXXX in XXXX and they did not follow through on their obligation to release the liens. This is causing problems for me dealing with my current lender as I can not produce a clear title to my home.
Debt collector Convergent sends bills for payment. {$2800.00} or will accept half. Calls on my phone about everyday to try and collect. Has been told by myself numerous times that this was discharged through bankruptcy but continues to call and send an invoice for payment.
there are many inquires from each of my credit reports that are not mine Equifax XXXX XXXX front point security XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX 3 times XXXX XXXX 2 times XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this incorrect information
I was notified on or around XXXX XXXX, XXXX, by a letter from Seterus, Inc., who at the time was the servicer of my mortgage loan, that this loan has been sold to and obtained by XXXX XXXX XXXX XXXXXXXX XXXX located in XXXX XXXX XXXX , Utah . I was told by Seterus , Inc., I would be contacted by the new servicer directly with information regarding the handling of my loan and were payments were to be sent. Seterus provided me with contact information for this new servicer and reached out to them directly via telephone to get a statement and additional information on how my payments would be handled. 

On or around XXXX/XXXX/XXXX I received the requested mortgage statement which I am in the process of sending in the required payment. This Company says they are a servicing company for my mortgage, however, the several calls and phone messages that have been left at my home number the messages indicate this is a debt collector. I am taking issue with this especially since my loan is current according to the conditions of this transition period. Are they a loan servicer or a debt collector, I resent the calls which have been frequent especially since this is a newly purchased and transferred loan.