WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2016 I requested a stop payment to be made for a pending bill of {$370.00} which I was told would be handled, and I was charged a {$30.00} stop payment fee. On XXXX/XXXX/2016 the charge of {$370.00} was then debited from my account. When I called in the the customer service team, I was told by the XXXX rep that the charge was only pending, and would not clear, however, the call was dropped. When I called back in I was told by a XXXX representative that the stop was not completed correctly, as the charge was not an ACH transfer and that it would not be enforced. Upon request I was then connected to a supervisor who told me again that because the stop payment was not entered correctly it would not be enforced - but that I could file a claim with the claims department. I was then transferred to the claims department who said that a claim couldnt be placed and I would have to request a refund from the merchant directly. This now leaves me with a balance that is {$300.00} short of my rent check that was delivered this morning, which means that check will bounce and I will then be charged NSF fees by both CHASE, NA and my landlord causing me even further financial hardships. Had I been notified by the Chase customer service rep on XX/XX/XXXX that the could not put a stop payment on non ACH payments, I could have attempted to make other arrangements for the money, however, due to the failure of the Chase customer service team to properly train their staff on their policies and procedures I am now without any other options.
I have had three separate issues since Wells Fargo acquired in XX/XX/2018. First, they increased the loan balance over {$1000.00} at the time my loan was acquired. This was only corrected after calling and emailing several times. Second, the escrow balance was incorrect. This was corrected once the original loan servicing company got involved and was the mistake of the original company. I only share this because it has lead to Wells Fargo 's most recent error. Wells Fargo increased my monthly payment inexplicably. It appears it is related to the amounts they have entered for taxes. Even though I have pointed out their error and how it is impossible to be the correct amount, they have refused to correct the payment amount. I believe Wells Fargo is doing this to their customers in an attempt to pocket more for the company 's benefit. The increase is just over {$30.00} a month.
This supposed law firm took a judgement out on behalf of XXXX for unpaid child care in XXXX, no where on this contract did I sign or was responsible for the debt. My children 's mother is the one that enrolled them. I was never informed of this court case in XXXX or was presented with paperwork in XXXX. I only found out about this when they began garnishing my wages this year. Upon contacting them they stated that they have tried to contact for the last several years, I have lived in a different state since XXXX upon leaving that state all of my mail was forwarded to a different address in NC. I have never been contacted via any outlet. No mail no phone calls no nothing. When I asked them for proof of debt they only sent me a computer generated statement with my children 's mothers name on it. No where is my name on their proof. When asking for other proof I was told they could n't and would n't provide. I am wantino all money that has been taken from me and is continuing to be taken to be returned immediately. They will not even prove the debt nor will the respond when I have contacted them via phone calls and email.
I am going to be mailing in a complaint about Advantage Financial Services, a collection company in XXXX, ID. They have in the past tried to collect medical bills from my wife and minor daughter. They also violated other parts of the FDCPA. I have discribed each violation and will including all the and supporting documents. What am looking at now is robo-signing by Advantage Financial and their attorney has to know what they are doing.
I canceled my credit card with XXXX XXXX XXXX over the phone the first week of XX/XX/XXXX and paid the last payment of {$8.00} on XX/XX/XXXX because I no longer needed to pay a monthly fee for a substandard {$2500.00} limit credit card since my credit score was over XXXX and I have several other no-fee cards with limits over XXXX At the time I assumed that the operator I spoke with did their job and no further interaction was needed, and had received no further contact or statements from them after that last payment was made ... ... A few months later in XX/XX/XXXX I went to check on my credit score and found that it was XXXX so I investigated and found out that XXXX XXXX had not closed my account and instead had kept charging me monthly fees on top of late fees for those fees and had been reporting this information to the top 3 reporting agencies without even contacting me to resolve the problem, so I immediately went to their website to get all the attached documents and contacted them XX/XX/XXXX and explained the situation to about 5 different people who did n't speak good english over the course of 5 hours and after threat of a lawsuit was finally was able to get the charges removed and once and for all cancel the card ... However they are still reporting this as a delinquent account for the roughly 3 months in between and claim that they have no control over reporting that information ... I have also disputed this with the 3 major credit reporting agencies and it is still not getting corrected properly ... I take great pride in my credit score and payment history and neither should suffer due to their incompetence ...
I purchased furniture through XXXX. It totaled XXXX. I was asked if I wanted 12 months financing at 0 % interest. I agreed. I made all payments on time. At the end of 12 months I had a balance. The Wells Fargo credit card did not bill me XXXX/month, which, when I calculate it, should have paid off the entire balance in 12 months. Instead they only billed me XXXX/month. Now I receive a bill for XXXX which includes interest of XXXX which is more than XXXX % of the balance. If I was informed at the time of purchase that the 0 % interest was deferred and that I had to make higher payments this past 12 months to pay off the balance in 12 months, I would have. There interest rate after 12 months is 28.24 %. I am now subjected to pay this full amount. I have a XXXX credit rating and could have paid this off in full to begin with and have several credits cards with lower interest. I was mislead by XXXX and Wells Fargo and believe that these fees are fraudulent. This should have been explained to me up front.
Experian was supposed to remove 2 inquiries off my report on XX/XX/2018 it is now XX/XX/18 and the 2 inquiries are still not removed. These inquiries are now over 2 years old and should have been removed
I have been hit with a {$710.00} deferred finance charge from XXXX   XXXX  ( XXXX preferred card ) on XX/XX/2018. 

According to the finance company, unfortunately the charges were incurred by a deferred payment method, which to my surprise is an extreme charge compared to my pre finance charge balance of {$400.00}. 

I need help with this account, if need be I can pay down the entire {$400.00} in order to avoid long and unnecessary commotion with comenity bank and then settling the account for {$200.00}. 
As a consumer, I am obligated to pay the balance down but when I get charged such an immense amount for finances, especially when you dont expect and have finances for it to be paid, there is only so much that we can do.
The finance company - Selene Finance in XXXX, Texas offered and verbally confirmed that I was approved for Cash for Keys as part of the final foreclosure process. 
There was an error on the date of sale of the house in Selene Finance records and I had to contact the attorney that filed the notice of sale. 
The Notice of Sale filed by the attorney was for XXXX/XXXX/XXXX Selene Finance had a date of XXXX/XXXX/XXXX and it was told to me that it was a clerical error and that they were going to reach out to the attorney office to correct. 
I had to call the attorney office and it was corrected. 
Originally the cash for keys was approved with the sale date of XXXX and it had to be resubmitted because of the date correction. 
They are now saying that they have declined the cash for keys because I " changed '' the sale date which is a lie. It was a clerical error that was corrected by the attorney for the finance company. 
They have teetered back and forth since they first offered the cash for keys option. 
I was not able to accept the modification offer and was told that we could try a short sale. I had contacted a realtor to begin the process and at the same time they issued the sale date. I received notice of a XXXX/XXXX/XXXX sales date on or about XXXX/XXXX/XXXX via regular mail. 
It was on or about XXXX/XXXX/XXXX that I was told about the cash for keys. Since that date they have twice told me that I am approved and twice told me that was denied. 
This back and forth is a clear sign that I am being bullied and there is something very wrong here. I have done all I can to resolve this and I am following all of the rules. I feel that I have no one to turn to to help resolve this matter. 
In my last conversion with them they said that we could renegotiate the cash for keys after the sale date. There is either a policy or there is no policy. They change the offer repeatedly. This can not be legal.
my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX  del XXXX all of the others names and address that appear on my credit report is not correct.
In XX/XX/XXXX, I got a credit card from XXXX XXXX XXXX, now PNC bank. I used the credit card up to the limit of {$1500.00} and had trouble making the required payments. In XX/XX/XXXX I was requested to go to the bank and make a payment of {$630.00}. I understood this to be a reduced amount that if it were payed, the balance of the debt would be forgiven and the card closed out. I went to the bank and made that payment of {$630.00}. In XX/XX/XXXX, I got a summons to appear in court and was required to make additional payments of {$100.00} per month to pay down the outstanding debt. 

I thought the debt was paid already. So during the time frame of XX/XX/XXXX-XX/XX/XXXX, through a combination of payments and garnishment of my income tax returns, {$3600.00} was paid. 

Added to the prior payment made at the bank, I have paid {$4200.00} total against the original credit card debt of {$1500.00}. 

Given that I CAN NOT pay you any more, you are just adding to my stress level. Currently I am social security XXXX, diagnosed with XXXX XXXX, seeing a XXXX twice monthly. I am also supporting XXXX XXXX on my SS. I am XXXX, XXXX and will likely not work again. I barely have enough money to make it month to month. I am asking in fairness, that after paying {$4200.00} total, against a debt of {$1500.00} that any balance remaining be forgiven.
Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
UPSC tracking # XXXX UPSC tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called XXXX. XXXX contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX
I went to Bank of America to make a bank transfer to XXXX it 1st goes to a XXXX bank, can not be done on lineThe bank associate did not listen to me and sent the banktransfer direct to XXXX, client called, said money is beingreturned, went back to the bank the associate said she wouldhave the transfer returned and sent another bank transfer, the associate forgot to have the 1st transfer returned so thethe client got XXXX bank transfers of $ XXXXI sent a email to the XXXX of Bank of America it has been7 weeks, and Bank of America says its my fault and want to our company to settle for half the money $ XXXXI never thought that Bank of America would act this wayto a client..they have refuse to take any blame and refuse to refund our money this started XX/XX/2015How I found out the associate forgot the have the transferas I call the bank transfer department and they told me the1st transfer was never stopped so on XXXX/XXXX/15 I called thebank, that is when the associate did the return of the 1sttransfer
XXXX XXXX Credit Card is not explicit in detail of items and dates each items were purchased. Absolutely no explicit detail of which date and time purchases & specific amount. The bill shown really high interest rates, almost monthly or so according to balance I am paying for this XXXX Credit Card. Total Colluded plus several different states the bill sending from could be a " Wilful Concealment toward interest rates charging to collect fraudulent money from me, with different interest rates applied to my credit card bill foremost. So much frauds surface nowadays after 8 years of worthless collusion with Obama administration. We need to get-rid of the XXXX XXXXXXXX XXXX Obama infidel ...
XXXX XXXX XXXX XXXX has violated several consumer protection laws. My employer received a garnishment letter from them and I have never received any communication from this company of any kind verbal or written. I have no idea who they really are if they are collecting on legitimate debt that I owe or if this is an error. Clear violation of FDCPA and CFPB for 3rd party company. I was Never given an attempt to validate the debt. And they have ordered my employer to withhold 15 % of my disposable income starting this week. I already have child support wage garnishments for half my income and cant afford to lose money to a company that I know for a debt that I dont even know for sure that I owe. Its deceptive and unfair!
On XXXX via telephone, I requested XXXX XXXX XXXX to decrease my finance rate noted on my XX/XX/XXXX statement to be 14.24 %, I spoke with rep named XXXX and informed that I have good credit score, never late, never over balance and have other credit cards with finance rate as low as 9.99 %. XXXX did decrease to 7.99 % finance rate until " XX/XX/XXXX '' with confirmation # XXXX. After that time, XXXX said that I could call back to get my finance rate decreased again. Per my XX/XX/XXXX statement, my finance charge is now 14.74 %, which is an increase from what it was back in XX/XX/XXXX. On XXXX via telephone and after a hold time of 27 minutes, I requested that XXXX decrease my finance rate again. The rep, XXXX, said that they can decrease only to 12.99 %. I asked why the finance rate increased even MORE than it had been before my first request to decrease it and she said " there was a federal Prime Rate increase. '' She could not tell me the amount of the Prime Rate increase. I explained that I have a very good credit score, never pay late, pay more than minimum each month and have never gone over my balance amount AND have other credit cards with lower finance rates as low as 9.99 % that have NOT had an increase in finance charge. I check transactions each week and statements each month for every account that I have. My complaint is that it appears that XXXX is taking advantage/capitalizing on and penalizing of those with good credit scores and payment history by applying less than fair finance rates, knowing that a consumer will not close an account as this could negatively impact their credit score. I have a " very good '' credit score per XXXX > XXXX, with " exceptional '' payment history and " good '' debt. The XXXX rep said that the best she could do was decrease my finance rate to 12.99 %, and when I asked she answered that this was effective immediately and only until XXXX. It seems that XXXX has deviant or perhaps even unethical practices ( increasing credit scores to whatever they want and without sending the consumer official notice ) with taking advantage of those with good or exceptional payment history and very good credit scores knowing that they will not close their account as that could cause a negative impact on credit score.
On XX/XX/2018 I was offered the opportunity to apply for paypal credit and was approved. After calling I was told due to me filing bankruptcy the credit line is not available to myself. This seems like discrimination and is misleading because this information was no where in the terms and conditions. After calling they offered advice on how to have the inquiry removed but I shouldn't have to write this complaint, do ANYTHING to remove an inquiry, or be permanently penalized for a bad financial decision that is forgiven by EVERY OTHER COMPANY that allows for line of credits.
XXXX XXXX XXXX .... and XXXX XXXX are fraudulent accounts reporting on my Experian CREDIT REPORT.I have never at any time ordered anything from either company.Either someone used my information or it is an error of the creditor.They both accounts should be immediately removed from my credit report. 
XXXX XXXX XXXXXXXX XXXX .... is a paid in full account.The current description as a chargeoff/collection is inaccurate and either should be corrected or preferably remove the account.
XXXX   XXXX   XXXX   is attempting to collect a medical debt for   XXXX   XXXX   XXXX   XXXX   in  XXXX  nj from ove r 3years ago.      all  XXXX  credit bureaus have failed to invesitgate nor reply with a outcome!
ECMC has began reporting an account to the credit bureaus without contacting me and verifying the debt first. I have not been contacted by ECMC in any way ( mail, phone, e-mail etc ... ) and given the opportunity to address the alleged debt that has been placed in collections on my credit report. I attempted to contact ECMC via certified mail, with the address provided in the credit report which was listed as being XXXX XXXX, MN XXXX. According the the post office tracking number my certified mail is being " returned to sender '' due to that address being unknown. Since I have n't been successful in contacting ECMC via mail, I am submitting this complaint. Below is essentially the body of the letter I sent to ECMC on XX/XX/2017, which has been returned to sender. 
-- -- -- -- -- -- Dear ECMC, This letter is in regards to item/account being reported to the credit bureau ( s ). I have not received any correspondence from your company attempting to collect a debt. I have not been given the opportunity to address this alleged debt with your company before you began reporting to the credit bureau ( s ). Please cease reporting this item/account ( alleged debt ) to the credit bureaus until the alleged debt can be verified. This is not a refusal to discharge any debt that I may lawfully owe ; In fact, I agree to discharge any debt that I may lawfully owe, once the alleged debt has been verified. What is being requested as validation and verification of the alleged debt is listed below. 
1. Verification of the debt, which includes the actual accounting 2. Verification of your ( ECMC ) claim against me ( XXXX ) ; that is a signed invoice 3. The contract binding both parties ( XXXX and ECMC ) Upon receipt of the above requested items, the proper actions can be negotiated between me ( XXXX ) and your company ( ECMC ) to discharge the debt. Until the debt can be verified, as mentioned previously in this correspondence, please cease reporting this alleged debt to the credit bureau ( s ). Thank you, in advance, for your prompt attention to this matter.
My HELOC with CHASE allowed me to change to a fixed rate versus a variable rate I called CHASE in 2015 and they refused to allow me to change to a fixed rate although my contract clearly allowed me to do it Also CHASE refused to allow me to use my HELOC saying that my house was worth 1/2 of the value when the HELOC was established The facts are : 1 ) my  HELOC allowed me to change to a fixed rate ; 2 ) my house is worth twice what it was when the HELOC was established I have tried to work with CHASE, as they have requested based on the complaints I have filed with the Officer of the Comptroller of the Currency However, when I call them it says '' please hang up '' or it sends me to voice mail and no one calls me back I need your help, as I am convinced they are committing fraud by forcing me to pay them more each As the variable interest rate has gone up over +1 % since 2015 This could be as big as the fraud committed by XXXX XXXX in forcing customers to buy and pay for things they never requested Please help us as we are retired and live on our social security and dividends from savings and I also teach at class in economics at the local college The constant rise in our HELOC, when our contract allows for a move to a fixed rate, payment is unfair and CHASE is taking advantage of us Without your help the fraud will continue and our payments will continue to increase XXXX XXXX.
Account number XXXX Invoice number XXXX Balance due {$33.00} CPA Reference number XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX I do not have an account with XXXX XXXX XXXX XXXX . I have requested evidence of the account. I'd like to know who opened this account.
I have a home equity loan with Nevada State Bank dba Zions Bancorp. I live in a flood zone. Every year Zions Bancorp needs proof of flood insurance coverage. This year there was some difficulty getting a declaration page from my insurance with the exactly correct name on it because Zions Bancorp changed their name in some small way so as to make the previous way the name was shown incorrect. After many, many phone calls and follow up conversations with both my insurance company and Zions Bancorp,, the representative told me everything was correct and she had received the exactly perfect declaration page she needed. This was all done in an effort to not be charged their " forced placed '' flood insurance coverage ( {$770.00} ). After I was assured Zions Bancorp had received the perfect declaration page, I was charged the {$770.00} and it was backdated to XXXX/XXXX/16. After calling the Zions Bancorp representative who assured me I would not be charged, I was told the charge would be removed IN THREE WEEKS. It 's been four weeks now and the charge is still on my account on which I am being charged interest. Nobody at Zions Bancorp can remove this charge. I 've filed a complaint with their customer service, talked to a supervisor, talked with original flood insurance specialist who assured me everything was in place. It 's been a month now and the charge is still on my account.