WillisBack/dataset-financial-user-claim huggingface dataset:
I have a XXXX, Wells Fargo App barely works, I submitted a payment thru the app that was never posted after everything I received {$37.00} late fee and a {$70.00} interest charged. I called on XXXX/XXXX/17 and they assigned me a executive because I said that I was going to file a formal complaint because. After this they told me to wait until they can help waived this for so I made a payment on the XXXX
On XX/XX/2016 I did an ATM withdrawal for XXXX.The terminal I used in XXXX AR charged XXXX.That would be a total of XXXX.I did no more withdrawals after that.The same night I called Barclay to report to close the card because an establishment in which I had visited did not secure cards properly.However I have the card in my possession. 
After this one XXXX, I have been receiving charges of XXXX continuously on my statements.My statement for XX/XX/XXXX/XX/XX/XXXX had XXXX ATM CASH ADVANCES of XXXX and CASH ADVANCE FEES.There was also Interest fees on the Continual Incorrect Charges.This made my payment XXXX for the month.I had called customer service Overseas and she told me to just pay the amount stated, next month would be correct amt.MY payments normally do n't run over XXXX per month.For my balance i normally carry payments do not run over XXXX.I would have been charged late fees had I not paid that incorrect payment and then there would have been a bigger problem. 
So, I looked online on XXXX/XXXX/2016 and there were more of these incorrect charges.What I saw was a XXXX ATM Cash Advance for the entire month of XXXX the Cash advance fee for each day as well.Totaling XXXX.Plus the Cash front End Fees totaling XXXX.Not to mention the entire page of ATM Cash Advance Charges.Some had minus signs meaning Reversed. The Customer Relations Person had to attempt to go thru and add up all the repeated charges which had become a total frustrated situation for a Barclay cardmember. Again, I have the closed card in my possession so I know its not Fraud, This is BARCLAY Cards error.If I pay this bill my payment would be XXXX and some cents. 
I need this chaos corrected, IMMEDIATELY.
Hello, I have recently received information from Navient about the terms of my last agreement with repayment. This is ONLY after they sold my debt to a collection agency. I have been requesting this information in WRITING for the last 4 years, multiple times and have submitted multiple complaints with the CFPB about this topic and never received WRITTEN proof of the program I was on. While I was on the program I logged into the Navient website and found no confirmation my interest rate was lowered to the .001 % interest rate promised, and from what I saw on the website the payments I made were less than what was owed and I was late Several thousand dollars. I also noted that though I had paid on time for over a year my debt owed had actually gone up, which seems odd for a repayment plan. I was also told at the very beginning almost 4 years ago, that this plan would PREVENT me from defaulting on my loan and I didnt find out till 3 years after that I was defaulted the entire time and the only way out was to pay the loan in full, which was impossible at the rate I was going as my payments were not lowering my amount owed even after 3 1/2 years of paying {$250.00} a month. I Can not consolidate this loan because no lender will recognize my school, and Sallie Mae/ Navient at no point ever offered me a consolation loan or an opportunity to do anything with this loan other than pay the 12 % interest rate. My original amount owed was {$34000.00} I accrued 15 % interest while in school and now owe over {$56000.00} despite paying over $ 17,000+ over the last 13 years. Sallie Mae/Navient has never given me a repayment solution that actually benefited me, everything they did just added more and more to my debt owed. Im totally financially crippled because of this and cant buy a home or car or even take out credit cards, I even have to over pay on deposits to rent an apartment even because my credit score is so negativly affected. Theyve gone as far as calling my work and my XXXX year old grandma when Im even a little late on a payment and told my grandmother that my mom was going to lose her house if I didnt pay. When they called me at work I told them not to call me there and hung up, only to have them call back SEVERAL times and even tell me they knew I was getting married soon ( never disclosed so they must have learned that from my coworker ) and that maybe I should marry a rich man instead.. this company has been a thorn in my side for over a decade and I would just like to move on with my life..
XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, TX, XXXX, has falsely reported to Equifax that I did not compensate XXXX for the amount of {$170.00} for service rendered between XX/XX/XXXX to XX/XX/XXXX at an address at which I have never resided. When informed of this collection activity, I called XXXX XXXX XXXX, explained I was unaware of and not responsible for charges at an address I knew nothing about. I was told at that time they would inform XXXX that I was likely a victim of identity theft, and the charges would be dropped. Instead, I find they have reported it as an unpaid collection item to Equifax.
Synchrony Bank services my Amazon.com Prime Store Card. The primary feature of this credit card is you get a 5 % statement credit when you use the card. I have not gotten the credit, although the amount of it shows up on the statement. I have complained 2 times to Synchrony Bank and they have n't resolved this issue. The statement I receive clearly sets forth and promotes the 5 % cash back benefit, but it is not actually implemented. I have alerted Amazon about the bad service from its co-branded bank credit card but they send me back to the bank. This is fraud if intentional. I am certain most people do not monitor this closely as it is generally a small amount of money, but I am also sure people get this card for this benefit which they are n't actually receiving ( if others are similarly mistreated ).
I opened a Santander checking account with their {$220.00} bonus offer  (  promotion code  XXXX  ). I met the direct deposit requirements and have not received my promotional bonus.
CREDIT BUREAU HAVE NOT PROPERLY INVESTIGATED NOR REMOVED FRAUDULENT ACCOUNTS OF MY FILE WH EN IM A V ICTIM OF IDENTITY THEFT
On XX/XX/XXXX I received a phone call to my home landline phone ( XXXX ) from a gentleman requesting I pay XXXX owed to XXXX XXXX. Also that they could negotiate a lesser amount or take payments. I informed him that I did owe a debt 20 plus years ago but that it had been written off. I asked him to cease and desist all communication with me. On XX/XX/XXXX I received a second phone call to my cell phone from a lady over the same debt. Again I told her to cease and desist communication. She told me she would move my file. While I was on the phone with her my son in Texas received a call looking for me over same account. Then we come to XX/XX/XXXX I had a voice mail on my landline and cell regarding they were tracing my identity to get a hold of me.
I have been receiving multiple phone calls every week for the past few months for a different individual that I have told multiple representatives from the debt collection company that I am not the person that owes the debt and they have the wrong number.
I am the co signer to a student loan belonging to my daughter. Navient took over for XXXX XXXX. I am constantly getting calls while I 'm at work about payments that are late. Calls start at XXXX XXXX and go until XXXX XXXX. I get calls on my cell and land line. While I understand that payments have to be made, these past few times the payment WAS made!! My daughter has had to call to tell them they were made and she had a confirmation number. It is my understanding these types of calls are not to be made while XXXX is at work.
I do not know who this company is and why they are calling. The caller said I wrote a three checks that werent paid. I do no know anything abut this. The caller CRM phone number XXXX XXXX XXXX. I have asked them not to call. However, they call every 1? 2 hour.
XXXX XXXX XXXX ... 

I needed medical treatment when I first arrived to Texas, went to an emergency facility because I didn't know where else to go ... 

Received treatment on XX/XX/2017 and paid {$220.00}. 

I asked if this settles my bill with the nurse, doctor and receptionist and I was told yes. Received a cash receipt. 

Six months later I began to get bills for {$350.00} and I wrote back stating bill had been paid in full with {$220.00}. 

Then I started to receive bills for {$150.00}. 

Now, they have submitted 5his information to a collection company called Amcol. 

This information is now showing on my credit report. 

Help?
A computer glitch that was TransUnion 's problem caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added and was denied. These inquiries add a hardship and my rights were violated by TransUnion.
I applied for a loan of {$870.00} around XXXX 2017! I printed out a copy of the Loan Payment Schedule ... ..so that I would have a record of how much would be due, when each payment was due, how much was going to interest, how much was going to principal, and what my payoff would possibly be if I wanted to pay the loan off early.
I called after the first payment just to see what my payoff would be ( now remember I only borrowed {$870.00} ) at this point my payoff was almost double what I borrowed.
I called after my 2nd payment ... ..again the payoff was still almost doubled what I had borrowed.
Each time I called they could n't really explain in a clear manner what was going on, why the figures were so different, why they were getting much more than I had borrowed and why nothing they said was matching up with the Loan Payment Schedule that I had in my hand!
The reps put me on hold, I asked for supervisors ... ..the supervisors put me on hold, no one could give a clear definitive answer on how I would be able to pay this Loan off closer to the amount I had actually borrowed!!!
They constantly referred me back to the tiny print of the Loan agreement, they reminded me that the Loan accrued interest daily, which By The Way was over 500 % DAILY!!!!!!
I feel these people/this company are grossly unfair, customer service is almost non-existent, information about their loans are misleading, the numbers do not add up, the fees and payments seem to change daily, and you are not able to pay their Loans off anywhere near the amount that you actually borrow!!!!!! Also I found out that they ( this company ) is a federally recognized XXXX XXXX Tribe, but their businesses are not regulated by the Federal Government!!!! All I want is to be able to pay this Loan back close to the amount that I borrowed ... ..and not have to pay ridiculous exorbitant fees and interest! This Is Totally Unfair ... ... ... Right now as of XX/XX/2017 I have made 2 payments of {$370.00} of the {$870.00} My next payment of {$370.00} is due on XX/XX/XXXX ... ..I will have paid {$1100.00}! The Loan Payment Schedule has me set to make ( 6 ) payments to BPL ... .I will not need 6 payments to pay them back {$870.00}!!!! *Again my next payment of {$370.00} is due on X/XX/17, the ending amount at that time will be $ {$540.00}, which also shows that the beginning balance for XXXX 2017 will be {$540.00} ... ..I want to send them {$540.00} before XX/XX/XXXX and be done with BPL!! !! I JUST WANT BPL TO BE FAIR AND EQUITABLE WHEN THEY MAKE LOANS TO THE PUBLIC!!!! RIGHT NOW THEY ARE HORRIBLE!!!!! I would never advise " ANYONE '' to do business with BIG PICTURE LOANS
I am being charged for a money order from the XXXX that I did not cash. This money order was returned to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 2016 and she is in possession of this Money. I have proof it was given to the XXXX office but yet I have been charged fees in addition to the amount of the money order. I am asking for this to be removed from my credit reports. Amount is XXXX plus fees XXXX total XXXX, I do not owe.
My wife and I cancelled our policy with XXXX but they are trying to charge us for another month of coverage after the cancellation went into effect.
A company that poses as a collection company calling me that I owe them money using information of my address XX/XX/2007? and a bank that I used in that year BANK OF THE WEST. They claimed that I had a credit card from that bank and owed money from that bank?? I never did because I just got out of chapter XXXX in that year I had not lived there since then? They can not provide any other information but keeps changing their collection agency phone number and they are always XXXX PEOPLE? last phone number used XXXX
XXXX accounts ending in XXXX and XXXX, have incorrectly listed dates of when they became past due. Due to the failure of the XXXX, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX a representative of the XXXX, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in XXXX was XX/XX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XX/XX/XXXX reported to the consumer agencies. XXXX establishes that the date of XX/XX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in XXXX XXXX establishes that as the guarantor of the loan the XXXX purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XX/XX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XX/XX/XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XX/XX/XXXX, seven years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the XXXX states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.
I applied for membership so that i can open an account. However, I could not advance past the initial application. I called the bank and they told me I had to verify my identity by asking me questions pertaining to my consumer report. I answered the questions successfully. Then I was placed on hold abruptly. The lady rep came back to the line and told me she had to transfer me to someone else so that the questions could reset. I asked why did i have to verify again and she said the system was having issues. She placed me on hold again then told me to call back so I could get another rep. I asked her why and told her it sounded a big fishy. She said she couldnt assist and the new rep would ask additional questions. After waiting on hold, the line disconnected. XXXX my XXXX daughters are having issues as well trying to access USAA based off my military affiliation. We attached a chat transcript of how we were just rudely disconnected while trying to gain information.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
After agreeing on a settlement, satisfied my end of the agreement. I returned the requested equipment to XXXX for the debt, and called XXXX and provided a receipt number. A couple weeks later, I called to get a letter saying I paid the debt, but they said they did not get a receipt number and I still owe money. They would not bother to look up the earlier notes, and said I have to dispute the debt. After making the agreements, they are refusing to honor their side. It still remains on my credit score with the balance on full.
My mortgage loan was foreclosed on XXXX XXXX, 2011 Sheriffs deed. I contacted A lender to apply for a new mortgage in which I can not obtain XXXX as my name is still in the FHA XXXX XXXX. I contacted Citi Mortgage to have this resolved. Per FHA they have not received a claim on the property and I can not get a preapproval for a new mortgage. Citi could not provide me with any information.
My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all XXXX major credit reporting agencies, Equifax , XXXX & XXXX, whose report numbers I have entered in the field for 'Original dispute case numbers. ' To date, since fileing a complaint with cfpb, XXXX has ceased to continue this negative reporting on my credit records. Equifax & XXXX continue this negative reporting and It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/XXXX ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX ( Addendum XXXX/XXXX/XXXX ) I would like to repeat, that since beginning this dispute, XXXX ' has agreed with my dispute and deleted this negative report from my files. I would ask that Equifax & XXXX also delete this negative information from my files, as well. Sincerely, XXXX
I had a loan with XXXX XXXX XXXX XXXX and Ditech bought my loan. My monthly loan payment with XXXX was {$4200.00}. My first payment with Ditech was on XX/XX/XXXX. I paid Ditech {$4200.00}. I called Ditech to inquire about PMI and Ditech told me my loan amount would go down to {$3600.00} starting XX/XX/XXXX. They told me they sent me a check for {$8300.00}. I called and asked them about {$8300.00} and they told me they made a mistake and reinvested {$8300.00} back into my mortgage. My monthly payment remained at {$3600.00} until XX/XX/XXXX. My mortgage went up to {$4500.00} per month. I called and asked them why it went up to nearly {$1000.00} a month and they told me my taxes went up. My taxes never went up. I will send you my tax bills for this residence. I do n't know how may payment can go from {$4200.00} to {$3600.00} to {$4500.00}. How can a mortgage company ask me for {$1000.00} a month more? They will not budge on this. I now have to come up with {$1000.00} a month more.
We have an equity home line of credit with Citibank and it was modified a few years ago. First when we did the modification, I was told to pay a certain amount each month and we paid the amount we were told to pay, I later found out even thou we paid what they told us to they reported us as paying late on our credit reports. When I called to complain they said because we did not pay the original payments they had to mark us as late. This has really effected our credit score. Now they claim the modification is over and they have almost doubled our monthly payment, it went from about {$800.00} to almost {$1500.00} per month. We are trying to refinance to just be rid of this account. But meanwhile we have to make these payments. For some reason the loan is split up into XXXX account numbers. so first I must have sent a payment in XX/XX/XXXX and only referenced XXXX acct number so they said we did n't pay the other loan. I called to complain and they did move the funds. Now I received another late fee for XX/XX/XXXX and when I called they said they did not receive a payment for XXXX of the accounts. The payment is was due on XX/XX/XXXX. I sent XXXX payment on XXXX XXXX and they said it was applied to the XX/XX/XXXX payment as principle when I explained that it should have gone towards the XX/XX/XXXX payment they said there was nothing they can do. I asked to speak to a supervisor and was told there were no supervisors working and that I had to call back during the week. I am very upset that these banks can just do whatever they want with these accounts. I want the late fees all reversed.
Attached evidence of fraud by debt collector XXXX XXXX XXXX, debt collector creation of e-title agency, and under the control of its parent company XXXX, SELECT PORTFOLIO SERVING, XXXX BANK AND XXXX BANK inflating Principal balance increasing, rather than decreasing. assignments fraud, substitution of trustee fraud, etitle agency fraud, debt collector law firm counsels XXXX XXXX XXXX XXXX XXXX notary fraud, notary stamp fraud, DOCUMENTS prepared by debt collectors and XXXX with tutle of document control who had no knowledge what they are signing when XXXX XXXX forms are sent from debt collector law firm XXXX associates, XXXX XXXX XXXX and XXXX associate and it subsidiaries they use .PO.BOX OTHER ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Facsimile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Facsimile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Main Phone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Main Phone : ( XXXX ) XXXX Facsimile :
This Collection is incorrect and is not mine I do not owe and medical bills! I once disputed this and received a letter from the company that they sent it back to the original creditor and would be deleted off my report and shortly after it was taken off it was put right back on. I have submitted proof and they are still reporting which is causing my score to keep dropping every time they put it on there! It is reporting on Equifax and XXXX. 

This collection needs to be deleted immediately and they need to cease contact with me and my report as this is violation on their behalves.
XXXX, XXXX and XXXX  inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX  XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans
My loan was sold to navient, I tried to contact them on several occasions so that I could set up a payment arrangement and they would n't give me any information. They kept telling me that I had to wait until it had been processed into their system. Meanwhile, this issue was severely affecting my credit score, as it was showing that my loan was in collections.