WillisBack/dataset-financial-user-claim huggingface dataset:
I made a purchase from Sears and made the final payment XXXX/XXXX/XXXX, and they admit receiving it by XXXX/XXXX/XXXX. Clearly I owe a late fee, but they keep sending statements claiming the balance has increased. with no mention of a " late fee ''. I 've tried resolving this by phone and letter, but now they claim I have a {$190.00} " balance ''.
REF Case number : XXXX Due to an error by Freedom mortgage company while selling my mortgage to another lender, I was reported to the credit bureaus as delinquent on my payments despite a promise that this would n't happen. This shows on my current credit report as having missed XXXX payments. During this time i was servicing the loan through the new lender. This has destroyed my FICO score and thus my credit worthiness.
I attended XXXX College in 2007, for XXXX  XXXX, and was unable to find a job for the profession. Instead found work with an agency. I was unable to pay my student loan monthly due to my pay at work. At the end of the year, when I did my taxes, I did not get anything back due to my student loan. This happened for about 4 years. Then I received a letter from my lender stating I was so all paid up. Now I receive a letter stating I owe XXXX Dollars to Navient Solutions. I believe they're trying to stiff me. I'm no longer working due to an accident at work, and I deny making any payments I feel I do not owe.
Convergent Outsourcing sent me a letter stating that they are collecting for Galaxy Asset Purchasing on a XXXX XXXX account I never had. They claim they are willing to settle for XXXX percent.
I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and it can be viewed as unethical and perhaps this is not the XXXX time this has occurred.. All XXXX credit bureaus report a different age of these accounts.
I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX XXXX ), inquiries, etc are not mine. I am livid, XXXX that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX of XXXX, Department of Education, XXXX and XXXX 2016 this is it ... XXXX was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX Tx, and have only had a XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.
I OFTEN PAY MY MORTGAGE AT THE LAST DAY OF THE GRACE PERIOD, E.G., ON THE XXXX OF THE MONTH. I DEPOSIT THE CHECK WITH A TELLER AT XXXX OF THE BRANCHES. 
THE TELLER GIVES ME A DEPOSIT RECEIPT THAT HAS RECORDED A LATER DATE, SAY THE XXXX OF THE MONTH. 
I THEN SAY THAT IS WRONG AND ASK THAT THE TELLER TO INITIAL THE DEPOSIT SLIP WITH THE DAY DEPOSITED, AGAIN THE XXXX. 
I THEN WIND UP WITH A LATE FEE AS MY DEPOSIT IS RECORDED AT THE CENTRAL OFFICE AS LATE, WHEN IN FACT IT WAS ON TIME. 

A. IS THIS LEGAL B. DO I OWE A LATE FEE C. WAS THIS SETTLED YEARS AGO WITH XXXX BANK (? ) XXXX WHICH PAID AN ENORMOUS FINE {$450.00} MIL FOR THE JUST THE SAME METHOD OF RECORDING PAYMENTS AND CHARGING ILLEGAL LATE FEES.
I have a Chase credit card that I noticed my balance on XX/XX/2016 was {$4100.00}, today XX/XX/2016 it rose to {$4200.00}. There has not been any purchases or activity on this account for several months. Chase is increasing the balance, without good reason, even though I paid {$130.00} last month.
In 2017 I contacted Experian to file a complaint regarding the XXXX XXXX account that they are reporting. I complained that they are reporting inaccurate information on my credit report. They can not verify that this balance is accurate.
I was in school. apparently had no knowledge of this private loan, nor the high interest rates. I was definitely pressured into this loan. Unfare practices and unethical.
continously provides me with a bolden statement telling me to XXXX off-that Im not getting my files disputed wo my blood type ( provided ) starship name, etc. 

When I give this informaion they claim I have not provided enough to dispute ( XXXX XXXX seems to think so ) and dismisses my claim. 

then they try to claim I am frivilous. 

I am sending them to a lawyer for FCRA ACTION. 

I have given the bureaus stacks of paperwork and they continue to play this XXXX from months ago, unresolved.
They are contacting Third parties trying to get in touch with me. They are also asking for my deceased fiancee ' who passed away over 2 yrs ago and they have his death certificate. They also call my place of employment asking for my late fiancee and they are transferred to my phone but never leave a message.
On XX/XX/2018 an unknown person went to several banking institutions in XXXX, NC ( XXXX XXXX # XXXX, XXXX XXXX # XXXX ) and made cash withdrawals through Bank of America tellers. The offender had a copy of my debit card as well as my PIN number. Through a series of transactions they took {$3000.00} from my savings and {$3100.00} from my checkings and checked the account balances on an ATM at a fee of {$2.00} for a total of {$6100.00}. Bank of America provided me with a temporary credit for this amount and I submitted a claim. Bank of America then denied my claim on the grounds that the offender had my PIN number, which is protected information. I have never given my PIN number to anyone and there are a variety of ways that the offender could have illegally obtained it other than my telling them. I re-submitted the claim to be reviewed by a second financial analyst at Bank of America. Meanwhile I left Bank of America and withdrew all of my money. As a result, when Bank of America took back the temporary credit my accounts went negative. The second review of my claim was supposed to be completed by late XXXX but Bank of America has not yet responded to me with a conclusion. In the meantime they have closed my remaining accounts,  informed me I am no longer welcome to open accounts with Bank of America, and have attempted to collect the debt from me. They have indicated that if I do not pay the debt soon, it will negatively impact my credit for 7 years. I have disputed their attempt to collect debt and have submitted police reports with XXXX ( where I was living at the time of the fraud ) and XXXX.
One day, maybe in XXXX or XXXX, I took out a student loan with a bank that was not Wells Fargo ... I never originated a loan with Wells Fargo ... Ive banked there for over 20 years ... Never anywhere else ... Never a loan ... 

I assume Wells Fargo purchased the bank with which I originated the loan. How can Wells Fargo have rights that the originator never had? Wells Fargo, out of the blue one day in XXXX of XXXX, did an offset to my bank account for {$1500.00} for a loan with a bank that would have to go through the legal system to get rights to my bank accountPlus the loan would have originated in XXXX or XXXX so it seems that the statute was up. 

To this day, I do n't know what loan this is about, and when I called Wells Fargo back in XXXX XXXX, I talked to an underwriter named XXXX who was offered no explanation. When I submitted a complaint form, I got a letter from a person identified as XXXX on Wells Fargo parchment letterhead dated XXXX/XXXX/XXXX. She basically states that Wells Fago was within its rights, and still did not tell me the name of the origination bank. 

Wells Fargo put me in duress by taking {$1500.00} of my bank balance and telling me that if I would not agree to a monthly payment plan they could reduce my bank balance by 75 % whenever they please. The scenario was stunning, and has caused me emotional distress. I was intimidated and to this day I feel like Wells Fargo may go into my account for whatever reason they deem acceptable. 

I went to University XXXX
I was targeted for a promotion back in XXXX XX/XX/XXXX in conjunction with my XXXX XXXX XXXXXXXX XXXX XXXX ( now called XXXX   ) credit card, which offered me XXXX bonus XXXX XXXX points for each authorized user credit card added ( up to four ), given that each new authorized user spends at least {$1000.00} on the card within 3 months of opening. [ image of offer attached ]. I took advantage of this offer, setting up two new authorized user accounts on XX/XX/XXXX online via American Express ' website. The minimum spend requirements were completed for both new cards by the deadline indicated, but I only received one of the XXXX bonus point amounts into my XXXX account. The card which did not receive the bonus points was used by my wife to complete {$1000.00} in spending from the dates of XX/XX/XXXX thru XX/XX/XXXX. [ transaction list with dates attached ]. I contacted XXXX customer service on XX/XX/XXXX to remedy the situation, of which they stated they saw the spend was there and would start " an investigation '' into why I did not receive the points and it would take 6-8 weeks but to call back before then. After hearing nothing, I called again on XX/XX/XXXX to be told they saw that everything looked correct but they needed two more weeks to continue looking into it. After again hearing nothing, I called on XX/XX/XXXX, and after being placed on hold multiple times, them being surprised why I didn't get the bonus points as it looked like I should have received them, ( and being on the phone over 37 minutes ), they apologized for the trouble and said they would credit my XXXX account with the XXXX points. I thanked them and asked when it should show up and they said within 72 hours. It has now been 15 days and still the XXXX points have not shown up in my XXXX  account.
I have been getting charged insufficient fees from M & T Bank. WHen I call their customer service number, they tell me if I go into the negative, and bring it o a positive by the end of the next business day, that I will not get charged an insufficient fee. I have gotten XXXX fees in the art 2 months, and would like them credited back to my account. I did file a compliant with the bank itself, and a Manager called me, but, she said she could n't do anything about the call center calls, that someone else would have to handle that. I do n't agree with the fact that their customer service reps say one thing, then you call and ask if you can have the fees credited, and then they argue with you non-stop about it!!! Please help me in getting this rectified, as I would like to continue banking with this bank! Sincerely, A Very Dissatisfied Customer!!!
CITI double cash card lied and they will not fix the account. They are charging interest on a card that is supposed to be 0 % on purchases and transfers, but they are trying to say it is only transfers. It is clear on the offer it is both, and I want my interest fees refunded.
XXXX XXXX XXXX is over charging me after breaching out a contract. 
I had called sprint to add a international plan into my mobile account to travel to XXXX where all my family lives, so i enrolled myself in this international plan so i wouldn't have any additional or over charges. 

So i had it working perfectly, but when i came back i didn't ask or requested XXXX to remove the feature i wanted to keep to be able to still speak with my family and friends back home for additional {$10.00} plus my monthly charges of {$70.00} so XXXX without my permission removed the feature then my account went overcharged.
Ok I received a bill from .. XXXXXXXX XXXX XXXX XXXXXXXX XXXX , XXXXXXXX reference # XXXX Guarantor Educational credit management Corp .... well the problem is I do not know this people I never did business with them I dont owe the not aware of this bill ... first of all I never had a account from XXXX XXXX  XXXX like it  stated..second they called me and when I said I dont no what they are talking about they got XXXX he cursed me . Because I would not acknowledge this bill cause its not mind ... can you help please I dont want them to contact me ever .... XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, In XXXX .... help me please
This is related to a previous complaint that I filed, # XXXX. I received a response from M & T bank which did not address any of the concerns I raised or provide any information that I requested, which I have attached. M & T has informed me that I am required to comply with their policy compelling me to provided personal information, but yet refuses to provide me with that policy. I have expressed concerns about the security of any information I provide and if that information will be shared with external agencies. A representative of M & T has verbally told me that my information is for internal use only but will not but that assurance in writing. I have asked for specific law citations that require me to provide information, but M & T refuses to provide me any citations, but has continually provided me general references in response to my numerous inquiries. M & T has continually provided false and misleading information to me throughout this ordeal and has repeatedly threatened me with the closure of my accounts if I do not comply with a policy that they refuse to provide that is based on laws that they refuse to cite.
Hello. 

This account was paid in full. 
An arrangement between the lawyer and myself. 
Last week call the attorney to file a complaint Because that still keep it as debt collection {$150.00} He replied that it had been a mistake I was going to erase that negative report. 
This appears in XXXX Report. 
XXXX XXXX Original Creditor XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$150.00} Collection Debt {$150.00} XXXX This appears in my bank report. 
XXXX/XXXX/XXXX XXXX * GA {$370.00} I need your help please. 
Kind Regards XXXX XXXX
I DISPUTED WITH XXXX ABOUT A ACCOUNT THAT I NEVER HAD WITH A BANK CALLED XXXX XXXX PARTIAL ACCOUNT NUMBER XXXX CLAIMING IT WAS OPENED IN XX/XX/XXXX FOR A AUTO LOAN.. THEY SENT ME A COLLECTION NOTICE SAYING IT WAS IN COLLECTION FOR A VEHICLE VIN # XXXX ... ( I ENCLOSED A COPY OF THE COLLECTION LETTER AND IT STATES THE VIN # ALSO AS PROOF ) I NEVER OWNED OR PURCHASED A VEHICLE WITH THIS VIN # ... BACK IN XX/XX/XXXX I PURCHASED A VEHICLE WITH THE VIN # XXXX FINANCED IT THROUGH XXXX XXXX. I SUPPLIED ALL DOCUMENTS OF THE VEHICLE I PURCHASED WITH PURCHASE AGRREEMENT, FINANCE PAPERWORK THROUGH XXXX XXXX, THE VEHICLE WARRANTY, A COPY OF THE NEW YORK STATE TEMPORARY CERTIFICATE OF REGISTRATION, A COPY OF THE WINDOW STICKER AND TWO DOCUMENTS FROM XXXX OF RECALLS ON THIS VEHICLE ALL SHOWING THE VIN # OF THE VEHICLE I PURCHASED.. I TRADED THE VEHICLE IN XX/XX/XXXX ON A VEHICLE XXXX XXXX XXXX XXXX FINANCED THROUGH XXXX XXXX WHICH IS IN GOOD STANDING ON MY CREDIT REPORT.. PLEASE DELETE THIS FROM MY CREDIT REPORT.. THANK YOU XXXX XXXX
I have disputed the Diversified Consultants Account with XXXX and with Diversified Consultants. XXXX stated that Diversified Consultants verified that this account belongs to me. This is seemingly impossible since this account do not belong to me. Perhaps this account was placed on my credit file in error or it resulted from identity theft. In any case this is not my account. I need your assistance in getting this matter resolved.
I applied for a loan with Rise Credit on XXXX/XXXX/16 and was denied for the following reason : Fraudulentactivityassociatedwithapplication. 

I called and spoke to a supervisor who was not helpful and was agreeing with the denial reason, there was no false or fraudulent information provided. This either gets resolved or i involve a lawyer with a class action lawsuit for discrimination, falsification, and defamation of character.
I attended XXXX college in XXXX, my federal loan was forgiven in XXXX. But for my XXXX loan I am not able to contact any one about my private loan. I never received my diploma from this school so I feel it is unfair for me to be receiving multiple phone calls and collection letters from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX As well as it affecting my credit I have asked these people at XXXX XXXX XXXX asking them to give me information where I should call about this and who sold them my information but all they can tell me is to agree to a payment plan for {$530.00}
I happened to come across a debit collection after seeing my credit report in XX/XX/XXXX stating that I had a debit with Portfolio Recovery Associates, LLC that was opened XX/XX/XXXX. I filed a depute with XXXX and it was removed from that credit report. After filing the dispute I received a letter from Portfolio Recovery stating In response to your dispute related to the above account Portfolio Recovery Associates, has enclosed additional documentation for your review. Included in that package was a credit card statement which had a balance of {$6800.00}, PRA was stated the balance was {$8000.00}. Also included was a letter stating that this debit was transferred from XXXX XXXX XXXX. ( I never received any communication from XXXX XXXX XXXX ). I  submitted in writing to PRA requesting them to validate this debit by providing name and address of alleged creditor, name on file of alleged debtor, alleged account #, address on file for alleged debtor, amount of alleged debt, date that this alleged debt became payable, date of original charge off or delinquency, was this debt assigned to debt collector or purchased, amount paid if debt was purchased, commission for debt collector if collection efforts are successful, a copy of the agreement with your client that grants Portfolio Recovery Associates, LLC the authority to collect this alleged debt, a copy of any signed agreement debtor has made with Portfolio Recovery Associates, LLC, or other verifiable proof debtor has a contractual obligation to pay Portfolio Recovery Associates, LLC, a  copy of any agreement that bears the signature of debtor, wherein I agreed to pay Portfolio Recovery Associates, LLC. In response, PRA again sent me copies of old statements. I then sent them a second letter informing them that this was not validated according to my request to please submit the initial requested validation information requested. Again, I was sent some more copies of old statements. My request from them was not answered. I asked for proof that the debit was mine, did PRA have the right to collect it and a signed contract between myself and PRA, which was never provided. Then I receive this letter stating if we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. How can this matter be closed when PRA did not provide me with the requested information regarding validation? The letter sent was very intimidating, making feel like I dont have the right to request validation under the FDCPA.
I have Amex Serve and I 've noticed that as of yesterday at XXXX my card went from a positive balance to a negative balance with double transactions. I can not call customer service bc it says they are using technical issues and to call back later.
I thought I had an active checking account with BBVA Compass Bank. On XXXX XXXX,2017 I cashed a check for someone Ive known 30 years. However, the check was no good.On XX/XX/XXXX, I recieved a letter from the bank telling me my account had been blocked anmd I had 10 days to bring it out of the negative and to contact my local branch. I called the 800 number and told them the closest branch was over 120 miles away in Arizona and I could n't put the money in until my social security was deposited on XX/XX/XXXX. they said fine. On XX/XX/XXXX, I recieved a letter saying in adition to the {$12.00} charge I was being charged {$25.00} more for my account being in the negative10 days and I needed to bring the account in the positive to retain my account. On XX/XX/XXXX, my social security deposited arrived at the bank. I called them they said they closed my account on XX/XX/XXXX that they were going to deduct their fees then i could go to the local branch in 10 days to get the rest of my money i explained how far the branch was and they said they would keep it opened they told me to call them back Monday XX/XX/XXXX, on XX/XX/XXXX, i got 2 lettetrs from the bank saying their was a additional {$25.00} fee for the account beoing in the negative for 20 days and TO CALL THEM AND MAKE ARRANGEMENTS OR THEY WAS GOING TO CLOSE THE ACCOUNT. I called them Monday and asked why they would send me letters like that when they already closed the account. They said it wasnt their department and I had to wait 10 bussiness days for them to send my direct deposit from one side of the bank to the chargeoff before they would refund the remainder of my money. i asked what happened about going in the branch and getting it. They hung up on me when I called back asking how they could take money on a closed account lie to me telling me they would keep it open and then send me letters saying it waS OPEN WHEN THEY KNEW THEY HAD CLOSED OIT THEY TOLD ME THEY WOULD MAIL ME THE REMAINDER AFTER THEIR FEES WHEN THEY GOT AROUND TO IT I SAID THEY HAD CHARGED ME TOO MANY FEES BUT I COULDNT POINT THEM OUT BECAUSE I COULODNT SEE MY ACCOUNT THEY SAID I HAD TOP TAKE THEIR WORD ON IT AND THEY HUNG UP ON ME
XXXX XXXX placed me in Equifax credit reporting for a {$230.00} bill they claim I owe. I have never in my life gotten any thing from XXXX. They said I purchase cellular service from them. I do not have cellular service with XXXX. I have never been in either XXXX of their stores. They claim I signed my name XXXX XXXX. The Rep got very smart with me and told me over the phone that I did sign the documents. She said I sign my name XXXX XXXX this is something I never do. I sent them XXXX letters XXXX of which was notarized by my bank. They never responded to either of my letters. When I saw the credit report from Equifax I told Equifax I did not get any thing from XXXX XXXX but they never did any thing about it. I have never even so much as gotten a bill from XXXX XXXX. I did not fine out about this until I got a copy of my credit report and they were listed on it. Sometime later they sent a letter saying I did owe the {$230.00}. They never sent me any documents to see the signature on the documents. Instead they say I owe the money. They will not send any copies of the documents. they never answered any of my letters. Not a XXXX XXXX of them. I did not get any thing from XXXX XXXX. To be totally honest with you I do not like XXXX XXXX products they are too high with their products and I told them that. I have never had any products from XXXX XXXX. I got my phone from XXXX and I have had my phone for over 4 years and before that I had XXXX on a contract with some XXXX else for over 6 years. I have never owned a XXXX XXXX phone and I would not have XXXX if they gave it to me. They are just to high for me when I can go to XXXX or XXXX and get the same phone for a lot less money. Right now I have a XXXX phone. It has the same features as a XXXX phone. I want them off of my credit report. This is a fraud. They never sent me not XXXX bill but they put it in with Equifax and said I owe them this money. I do not owe XXXX XXXX any thing.