WillisBack/dataset-financial-user-claim huggingface dataset:
Well Fargo is charging me XXXX in just overdraft fees. Why does a billion dollar company which continuously denied my transactions think they deserve to collect money for denied transactions
I have disputed this item before and they took it off, now they have placed the item back on my credit profile, I have know knowledge of the said account. I was a victim of ID thief and the company has been made aware of it several times.
I use a program for my XXXX  business. This program allows me to sync transactions to keep track of expenses and run my business in an organized fashion. The program is XXXX Capital one is blocking me from using the external application. This is a sudden change as it was working flawlessly. 

It is my personal information and I deserve the right to use it. 

This needs to be fixed.
HSBC Mortgage Services Inc . I am trying to pay off this loan and in the end they are doing everything they can to keep getting interest. There is no way other than calling to make a principle only payment, and any payment you make just keep pushing your next payment date out. i call to get it reversed every time and have to have a 30 min phone call to get it fixed. they next time i call to make a principle payment, i clearly state what i want, she even tells me what i am calling about. in the end she puts in wrong so i have to now call back and get it applied to the principle. if i do my monthly payment on line and i make it for more than the amount do, any extra is put into an unapplied funds account that they just get to hold on to for a month and not apply it to my account again gaining interest and they get to use my money for a month for free. I have called them to make sure all funds get moved to principle payment, and they said they put a note in the account but can not guarantee that it will be applied every time. there web site is lacking the basic functions that any lender should have on there web site. will not use HSBS for any other banking needs for the rest my years left on this earth.
Navient robocalls 5 times a day both my home phone and my cell phone. It is my son 's student loan. I did NOT co-sign his loan and have told them in writing to stop calling my cell phone. I wrote to them and faxed the information to have them stop calling me. My son does not live with me. Yet, they continue to robocall XXXX phones.
This is regarding collection from XXXX thru Resurgent Capital Services. 
My first response to correspondence was in XX/XX/XXXX. I have communicated with many different servicing agents regarding these accounts since. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All of these companies state that XXXX owns these alleged 4 debts and I have asked for verification from all of them, again dating back to as early XX/XX/XXXX. 
These debts are listed as follows. 
XXXX XXXX {$3000.00} XXXX  XXXX {$2700.00} XXXX XXXX   {$590.00} XXXX XXXX {$1600.00} ( no response from Resurgent yet for XX/XX/XXXX inquiry so far ). 
I have asked for proof of the debt and original documentation with every request. I explained to them that they must have been " sold '' this debt and not have the paperwork due to the fact that I sent fraud claims to both XXXX  XXXX and XXXX XXXX   on both accounts. Instead of helping me with the issue, XXXX   XXXX and XXXX XXXX removed the entire accounts from my credit report AFTER the sent these debts to XXXX. XXXX can see my credit report and validate this. 
Now I have asked, written letters and repeatedly asked for validation with XXXX. The letter I attached to them dated XX/XX/2018, I told them that these 4 account were fraud and they ignored my requested and mailed back a " internal prepared '' statement by the servicer ( Resurgent Capital ). I have more documents than you care to read but have attached all supporting documents- except on the XXXX XXXX {$1600.00}, they have not responded to my XX/XX/XXXX inquiry for that debt.
In early XX/XX/2017, my Sam 's Club MasterCard was compromised. There was an unauthorized charge for the amount of {$96.00}. Synchrony Bank ( who services my Sams Club MasterCard ) failed to catch the fraudulent charge at the time but I alerted synchrony bank of it when my billing statement came. They assured me it would be investigated and I would hear back within 30 days. Some time later they sent me a letter stating the charges were valid. I called back in to assure them it was fraudulent. The case was reopened. I received another letter ambiguously stating the case was resolved. After playing phone tag with multiple representatives and supervisors, no one could give me an answer to the fraud investigation outcome as the letter was unclear. During this time synchrony refuses to credit the amount of {$96.00} in fraud charges so it continues to accrue interest. I was advise to not pay this charge and everything, including the accrued interest, would be credited once the investigation concludes. This seems counter to how every other bank I 've dealt with conducts business when it comes to fraudulent charges in dispute. 

After many hours on the phone spread across many days, I was finally able to get a hold of someone on the phone who told me the reason the original complaint did not go in my favor was because it was filed as a dispute, not a fraud charge. Now I would have to wait again while synchrony refiles and conduct the investigation again. This is beyond incompetent.
Dear Sirs, I need your assistance after several attempts to have XXXX Equifax, and XXXX to remove a derogatory account off my Credit Report. the account is with XXXX XXXX .The Credit Reporting Agencies after being asked to return proof that this debt is valid .I requested an original copy of the copy of the original contract with my signature and the company signature on it and stating the Originial amount on it the amount on the reports is {$12000.00}. After several attempts and letters this negative information is still on all my reports with XXXX, Equifaxand XXXX. I am getting alerts with XXXX and XXXX XXXX stating that I missed a payment in which is lowering my score.Just last month I applied for a Auto loan and theCar Finance Manager said I could not get approved because my Equifax stated that I just had this month a repossession. I greatly need your assistance in getting this negative information removed. My credit and scores has suffered extensively. They also refused to remove the old addresses and inquiries and an Ex- Wife name in which I am no longer married to her for several years now. These are several dates in which I had sent numerous letters trying to get certain things removed like XXXX XXXX and they still refused to correct the informationXX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. Hope you can be of assistance. Thank You
Contacting me at my place of work on company phone line. After I had told them this is my work place phone. Stating that they will report it to the credit bureau. For a debt that I feel is not owed.
I opened a credit card account with Macy 's and waited for my 1st bill, it was delivered in XXXX 2015, quite late with little notice. It was due within two days, so I called the number for payments and made a payment in full for XXXX for my XXXX purchase. I got a confirmation number of XXXX. Today, XXXX/XXXX/2015, I received a call saying they never received my payment and I am 2 months late. She says they have been mailing notification but I have not received anything. The bill is reported as late and in collections and they are charging me fees on top of this. They are using an address in SC. I have called this morning 4 times and am still on hold this is because they are busy??
XXXX & Credence Credence continues to re-age an charged off account and XXXX continues to add it with the new date to my report. I have disputed this 2 times in the past but every 3-4 months they put it back on my report as new. It was just added again on XXXX/XXXX/2018.
Synchrony Bank applied a promotion to my account without advising me that I had a year to pay it off with no interest and that if I did not I would incur interest form the date of the loan. I log on and find a interest fee of {$1500.00}. I called they could do nothing. I find it deceitful. I should have been advised of the promotion and given the option to accept it.
Checks on my account were counterfeited and forged and the bank TD bank refusesto refund monies and the overdraft fees associated with the forgery
On XX/XX/18 I called XXXX and opened up a dispute with Citi Card relating to three transactions that appeared on XX/XX/18 - XX/XX/18 ( XXXX statement ). These were : 1 ) XXXXXXXX XXXX XXXXXXXX purchase for {$790.00} on XX/XX/18, which I or my wife did not make or authorize. 2 ) Two XXXX networks payments made on XX/XX/18 for {$61.00}, and {$8.00}, which neither I nor my wife authorized. ( We are not a XXXX  /XXXX   customer. ) I was told they needed 7-10 business days to resolve this. I called on XX/XX/18 and was referred to XXXX on Citi 's Billing Dispute Team ( whose phone number is XXXX ). As when I opened the dispute on XX/XX/XXXX XXXX asked me a number of questions relating to these transactions. I told him I did not authorize these transactions and that I contacted XXXX XXXX and that they told me that they could not track who made the {$790.00} purchase. XXXX told me he would give me a credit for the XXXX XXXX {$790.00} and the XXXX {$61.00}. ( They had credited our Citi card with the {$8.00}, ( XXXX would also sending me two letters that I would have to sign and return. I called today XX/XX/18 and talked to XXXX at the Citi Card Billing dispute and she said that this was opened up as merchandise not received. She opened up a new dispute for these amounts, so we are restarting the process.
My wife and I applied for a home equity loan with Royal United Mortgage , LLC. We provided all the information to pull our credit. I mentioned to the loan officer XXXX XXXX that I had a short sale on a home in Illinois. She mentioned Royal United Mortgage underwrites their own loans and they can do hings other lenders could not. The attached documents will show that a few hours after pulling both of our credit reports, an appraisal was ordered through XXXX and payment would have to be made by us as Royal United Mortgage did not pay for that part of the loan and all other associated costs would be rolled into the loan. We paid {$450.00}. The appraisal was done it satisfied us borrowing the amount we were set up for. Then the week we were supposed to close the loan, here comes the underwriting problems. The same information in my credit report before the order of the appraisal is now a stumbling block to closing the loan. A subsequent conditional approval is very confusing after appraisal is paid for but loan not closed. I am requesting the return of my appraisal fee {$450.00}. The company and it 's loan officers should not promise what they claim they can do that other lenders ca n't. It is as if they lead you on, get your dollars and skin involved then, " Oh we ca n't do anything ''. 
I do not need a {$450.00} appraisal of my property. I do need my {$450.00} returned.
XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Complaints XXXX Consumer Financial Protection Bureau PayPal Headquarters XXXX via website XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XX/XX/XXXX statement from XXXX I received the attached creditor demand dated XX/XX/XXXX just after the XXXX. I was surprised as this was the first time I became aware of an outstanding matter with Pay Pal. I have not used Pay Pal in years, and when I joined my use was infrequent. I do not even know my log in credentials. If I owe money for some reason I would appreciate the details. To have revert to a collection agency was unfair and slanderous tactics. 

Kindly provide detail for this matter so we all can arrive at proper satisfaction. 



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I am launching a second complaint against Nationstar/champion mortgage of Texas. My initial complaint was placed XX/XX/XXXX and their response XX/XX/XXXX. This company has claimed all along that the discrepancies in the letter of intent - XXXX I, was what led them to filing the foreclosure proceedings against the property. I repeatedly faxed the information that was asked for beginning XX/XX/XXXX. If this matter could have been resolved with the letter of intent the pending Sheriff sale or possible discrepancies that have arise from this matter could have been avoided. I am requesting an as the mortgage company has claimed that I am entitled to the documents that they based their denial of the letter of intent upon. In the past 15 months illegal proceedings with the Court XXXX in XXXX XXXX Ohio have de-evolved from the actions of the plaintiffs law firm. There was not adequate notification and on further investigation a person name XXXX XXXX, was supposedly notified or was the person that stopped the short sale process from the mortgage company on the property that is in question. I am still trying to determine who is XXXX XXXX and how would he have the authority or the rights XX/XX/XXXX to disrupt the short sale? Champion mortgage claims that they notified XXXX XXXX XX/XX/XXXX that short sale proceedings could occur if myself as the defendant would comply. Through the law firm that was representing me and my person I never received any such notifications. This was also pointed out to and confirmed by XXXX XXXX XXXX, management analyst for the national servicing center of housing and urban development XX/XX/XXXX. This matter has now been from that timeframe referred to a Sheriff sale XXXX in question is scheduled XX/XX/XXXX This is wholly unfair and patently unethical as to the actions of Nationstar/champion mortgage. 
They also sent occupant conveyance HUD forms in XX/XX/XXXX which XXXX XXXX confirmed that these forms should not have been used or the scare tactics that the mortgage company was implying was false and incorrect. They also sent court documents to their residence and property in question to " occupant ''. How is it after 17 months the mortgage company could send an official document to an address the listed as occupant and expect a tangible reply? The law firm that was representing me has now withdrawn from the case either because of their knowledge of similar types of cases and that it is headed towards either the short sale or the unfortunate reality of a Sheriff sale with in 30 days time. The fact remains that I had the ability to discharge this debt over 14 months ago. The subsequent court dealings and extreme levels of subterfuge and misunderstanding has been from the plaintiff 's law firm and in response the law firm representing me attempted to offer the HUDXXXX forms and offers of short sale only to be rebuffed by the mortgage company and its law firm. As I am patently stating that the XXXX notifications for offers of a short sale process were never received. I am filing this complaint in hopes that your Bureau can resolve this as quickly as possible.
Due to the data breach at Experian I decided to put a freeze on XXXX XXXX, XXXX on my credit to help prevent issues. However, of the XXXX credit agencies, Experian made me pay a {$10.00} fee to do this that the other XXXX did not. I feel this is wrong since they were responsible for data breach and now asking for us to pay to protect ourselves??? I think you need to get them to refund these payments since they did not adequately protect consumers information. Thanks, XXXX XXXX
I disputed XXXX accounts with Central Financial Control. They are harassing me about medical bills that I do not owe. I asked them to send me validation and they responded with NO VALIDATION! They just continue to say I owe these accounts with NO PROOF! This is unfair and extremely frustrating! I requested this information over 60 days ago!!! There time to investigate is up by law.
Citi bank NA has been reporting loans past the statute of limitation to my credit bureaus.
They had sold some loans 23 and 26 to   XXXX   XXXX   XXXX   XXXX   that has been harassing me and contacting me for repayment. Citi bank is no longer reporting those loans because of their erroneous error they had to remove them.   XXXX   XXXX    has not removed said loans and continues to contact me for repayment of erroneous loans.
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Citi bank also has the first date of delinquency for loans 21 and 22 listed as XX/XX/XXXX  which they said would remain on my credit for a period up to 7.5 years.
florida statue where I reside and where the loans were originally taken out states : The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA. CAPITAL MANAGEMENT IS ATTEMPTING THIS.
Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11.
Floridas statute of limitations varies for different types of debts. For written contracts such as personal loans, the statute of limitations is five years. So once this type of debt is more than five years past due, the lender can no longer sue in order to collect owed money.
THIS DEPT IS TO BE REMOVED FROM MY CREDIT IT IS 2 YEARS PAST THE FIRST DATE OF DELIQUENCY THEY ARE REPORTING ON LOANS 221 AND 22 AND PAST THE DATE OF LOAN 20 THEY SOLD TO DISCOVER BANK  XX/XX/XXXX  THAT THEY CHARGED OFF IN  XX/XX/XXXX .
Southwest Credit Systems is reporting an account that had been removed from their files. Last year, this account was deleted from all three credit reporting agencies for inaccuracies. Once an account is deleted for cause, it can not be reinserted.
I noticed five inquiries on my TransUnion report that are not mine..I have requested for them to be removed but have not heard back on the matter as of yet..the listed below are the five inquiries.. XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
On XX/XX/2018 I purchased a money order from Moneygram for {$370.00}. The Money order # XXXX. The money order has not been cashed, nor been received by my mortgage company. 
I have contacted the XXXX XXXX. But I am not getting anywhere with them. They have referred me to a web site that I am not able to maneuver. 
I would like to be able to pay my mortgage and also find out where my money is. 
In order to get my money, I will have to pay {$18.00} and if I wanted over night it is {$25.00}. 
Moneygram has not been helpful at all in replaceing my money.
TransUnion had a Computer Breach in their system that violated the rights of their consumers Under sections 6.11. I have been gravely affected and my score is suffering as a result. 
This computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. 
The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. 
I have Spoken with multiple Reps of TransUnion and they all acknowledge that the Security Breach happened multiple times in 2016 but they refused to fix their error in my credit report. 
I am requesting that the reinserted inquires be permanently removed from my credit report. 
I Demand the following inquiries to be removed immediately 1. ) XXXX XXXX on XXXX/XXXX/2016 2. ) XXXX XXXX XXXX on XXXX/XXXX/2016 3. ) XXXX XXXX XXXX on XXXX/XXXX/2016
I purchased two auto loans that are being financed with Ally Financial. XX/XX/2013 and the other loan in XX/XX/2013. I am still paying on both these loans to date. I found out there is a settlement with them about charging higher interest rates for XXXX XXXX  and I wasn't notified. Why? I put down {$10000.00} on both these loans and my credit score was XXXX at the time of purchase. I definitely feel I am being discriminated against.
What : Wells Fargo recently changed their online interface used for reviewing mortgage statements and making payment. I had no problems before the web change. After the change on multiple occassions, WF has misapplied the mortgage payment I submitted online. 1 ) I paid the regular P & I on a fixed 30 year product, and prepaid an additional amount. My mortgage statement only counted the prepaid amount, which would have resulted in a DLQ status if I had not checked my loan balance in the following days. I had to separately resubmit the P & I payment for it to be recognized. 2 ) The following month I paid the same amount ( P & I plus prepay ). This time only the P & I was correctly processed and I had to call WF to have the additional prepay applied. 3 ) The following month issue # 2 occurred again. I confirmed I had checked the correct box online for additional prepay but the error still occurred. I submitted a complaint to WF and notified them I would submit a CFPB complaint.
Received Shellpoint Modification Trial Offer, agreement. Spoke with Shellpoint by phone asked them to explain the terms of the modification offer. They refuse to give me the details of the modification agreement such as, if the rate is fixed and how many years I will be paying on my mortgage. They want me to sign the trial offer agreement but I don't know what I'm agreeing to. Ask them to give me a the break down of what I'm paying for in my escrow account there reply was they didn't have that information.They are hard to communicate with and unwilling to assist me.
Since XX/XX/2018 I have been trying to defer my student loans due to hardships. Conduent requested documents and each time I sent in a document they said it was not good enough or did not have the enough information. In the past when defer my student loan those same documents worked just fine period now because they have dragged the situation out this long my loan is now in default. I have no information of who to talk to about getting my student loan to a current state. I was even told I have 13 months left for hardships. When asked I Conduent who will be taking over my account they said they had no information I should just wait for a phone call from the lender.
Around XX/XX/2017 I was in the process of getting a home loan with XXXX XXXX XXXX in XXXX IA, in that process I had received my letter of credit approval, I did everything the mortgage company asked on paper submitting paper work in. Well we got to closing date and then after all that work and having the seller ready to close the mortgage company said we couldn't close because I did not qualify. Well I called the company and then the confusing part and what makes me want to share so public know. Is that my Wife had used them in the past and my daughter was in the process as well of getting a mortgage loan from them. They started mixing my personal stuff with my wife 's company files from when she had used them. I asked them with what authority or who had let them go through my wife 's files so they could qualify me? My wife called as their agency was calling her company to get financials from her which were not necessary. She let them know that she had nothing to do with the loan that I was getting or her company. Then when I talked to them again they were trying to mix my file with daughters file so I could get qualified. Then the Seller reached out to them letting them know how unprofessional they looked in doing so they told the seller without my consent giving them false financial information about my family. I ended up taking my business somewhere else and luckily the seller understood and we closed with another mortgage company. Again the suspicious thing is they had no authorization to do that without my daughter and myself being aware. to We stopped the process I wanted a proper explanation all I got was that I had no need for the loan and that they made a reference towards my family as we did not have money without facts that excuse seem the most unprofessional excuse. I would not recommend this mortgage company to anybody their employees say one thing give you papers and then last minute always changes with huge increases and little explanation to why, also the fact that they are using other peoples files to approve another person raises a flag. I do urge this be investigated in dept so this experience and public people files are safe.
XXXX XXXX of NCS has repeatedly called my employer and the HR department of my company.