WillisBack/dataset-financial-user-claim huggingface dataset:
I called my bank which is Chase on the week of XX/XX/XXXX. I asked a question of how XXXX XXXX   XXXX works. The operator told me that my account is secure through the bank and all funds would be protected. I made a purchase on XX/XX/XXXX to a online company through XXXX by the name of XXXX the purchase was for {$950.00}. As of today i never received my items, a email of confirmation, a tracking number or nothing of that sort. I was informed from another purchaser that the page was a scam and fraud, that they have been taking money from people for a while now and not sending the items. I called my bank ( Chase ) on XX/XX/18 to put in a Claim because I was informed from the operator earlier in XX/XX/XXXX that my funds would be protected. I called my bank informed them of all the information I received and how I found out that the page is a scam. My bank told me it was nothing they can do because i authorized the payment through XXXX XXXX. I then told my bank but since now finding out that the account was a fraud i was duped out of my money. I told my bank I have copies of the conversations between me and the owner of the boutique. My bank didnt care to listen to my argument and straight out told me Im lost out on almost {$1000.00}. Is there any way you can help me get my funds returned please!
I have no idea what is going on with this account. It has been on my XXXX report since XXXX of XXXX. It was listed as a repossession and there has not been any change in information regarding this account since it was listed. The amount of the debt has neither increased nor decreased and for the past 12 months it was listed on my credit report as unknown information. It shows there is an amount owed of {$9200.00}. As of this date since XXXX of XXXX I have not received one piece of written correspondence from this company. I attempted to verbally contact them on XXXX and XXXX to have them send me all the paperwork concerning this debt, including all of the account details to validate the ongoing and current status of this debt. I disputed this debt to XXXX on XXXX XXXX and they reported to me as validated. However, I still have not received the information that was validated from XXXX nor Danco Financial.
The company XXXX XXXX sent me a letter stating that they will no longer be collecting funds for escrow to pay for hazard insurance. I received the letter on XX/XX/2018 and called them the same day. While I was speaking to them I asked if standard home owners insurance is considered hazard insurance. The person I spoke with stated yes it is. I asked the representative is insurance that covers floods would still be paid through escrow and the representative stated yes it would be. As of XX/XX/2018 they have sent me a check for some of the funds from the escrow account.
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CHASE CARD on XX/XX/2016 which l have no idea about it at all.
Regarding the late reporting of my mortgage account with Envoy, I am disputing this recorddue to the fact that this was in fact paid. This should not report on my credit report as a 30delinquent account for this reason. The reason this is reporting is due to the fact that mymortgage was sold From Envoy to XXXX XXXX, and during this transition period, it appearsthis got mixed up. I received confirmation that my payment was made and had beenreceived from Envoy shortly after my payment was made. I later received information statingthat my payment was not received and that I would have to wait until the transfer of the loanwas processed before I could even make the payment.
I have a XXXX 's CC that had a {$12000.00} balance, at about 15.5 % interest. Received an offer from XXXX for a First Bankcard CC stating 5.99 % interest, fixed until paid, on balance transfers. Would n't let me transfer whole amount, but did transfer {$4800.00}, plus a transfer fee. First payment they wanted {$350.00}, which was not expected, but evidently they wanted their transfer fee plus interest right away. The second payment they wanted a minimum of {$160.00} ( on a {$4700.00} ) balance. XXXX 's minimum was {$150.00} on {$7800.00}. 
I called First Bankcard, and their answer was they charge 3 % minimum vs. XXXX 's which is probably around 1 %. I was not aware different banks could charge different minimums on their CC 's, so feel I was somewhat taken advantage of. I then asked why, in their minimum payment warning, it states if I only pay the minimum ( {$160.00} ), it will take me 7 years to pay it off, but if I pay {$140.00}, it will be paid off in 3 years. The representative tried telling me it was just an example and did n't apply to my card. How can that be? My XXXX 's card states at the minimum ( {$150.00} ), it will take 20 years, but at {$260.00}, it will take 3 years. I believe First Bankcard is using false advertising or some kind of accounting practices that just do n't make sense. I believe the minimum should be lowered, or I want a statement saying I only have to pay {$140.00} and it will in fact be paid in 3 years. I was so 'put off ' by them that I did cancel the card.
XXXX XXXX cancelled my points for non use. They said they could not notify me that I was at risk of losing these, because they did not have an notification agreement on file from me. The total points cancelled was XXXX miles. They cancelled my miles around XX/XX/XXXX, and I just found out about this last week after I called to find out how many miles I had. In addition I flew with XXXX XXXX XX/XX/XXXX, paying for my ticket, so not clear why they would cancel my miles. I am a senior citizen and been a member of this frequent flyer program for decades. 

When I spoke to someone from XXXX XXXX last week they said they would only add XXXX miles back IF I flew with them in the next 6 months. This is not acceptable.
XXXX put a 10 year old debt on my credit that was discharged in bankruptcy and Equifax has made a mess of my credit score. Not only did they not delete XXXX ( I am currently disputing it for a 3rd time. They ADDED the 11 yr old bankruptcy BACK on my credit and they listed XXXX XXXX as being discharged in bankruptcy and that debt was never part of my bankruptcy. That debt is owed by me. I sent them the discharge papers, schedule of unsecured debts and mailing confirmation and no where listed is XXXX XXXX. Equifax is taking no responsibility for messing this up, refusing to make corrections, giving horrible customer service, telling me I need to DISPUTE things I NEVER put in dispute ( I disputed XXXX which the attached documents will support ). I have no idea why they took such a simple request and completely ruined my credit. I am in the process of buying a home and this is devastating. They should be held responsible for ruining lives. They are not the kind of business that can make careless mistakes like this!! It hurts the consumers and in this case ... sending proof of 1 company that needed to be deleted ( XXXX ) has now resulted in me needing to get a Bankruptcy removed and a company that was NEVER listed on my bankruptcy removed out of bankruptcy. This is a nitemare and Equifax is NOT helping.
My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. 
I will file a police report soon to support this report, please block these item from my credit file.
On XX/XX/XXXX I purchased an Official Check ( # XXXX ) for {$12.00}, XXXX against funds in my checking account to pay my property taxes. On XX/XX/XXXX I called Citibank 's customer service to place a stop on the check because it never reached its destination. I was told I had to do it personally at a branch. On XX/XX/XXXX, I went to the branch ( XXXX ) where I purchased the check. I was told I had to fill out forms and that it would take 90 DAYS before I got my money back. When I asked why it had to take so long I was told that was the policy ( with no explanation as to why ). The banker did mention it would be faster if I returned the actual check. The bank would then just re-deposit it into my account. I left with the forms and spent the next two weeks trying to recover the check via the US Postal Service, but I was unsuccessful. On XX/XX/XXXX I returned to the branch with the stop payment forms filled out. The banker took the forms and informed me that it would cost me {$30.00} to process the stop payment. Later that day the banker informed me that I would have to deposit {$5.00} to my account to process the stop payment. Later that evening I deposited {$12.00} via an ATM machine. On XX/XX/XXXX I emailed for an update and was told that the stop payment was being " re-processed ''. Four days later on XX/XX/XXXX I received another email stating that my stop payment order had not been processed because I had not deposited any money as instructed. This is the worst customer experience I've ever had with a bank. There has been no effort to be helpful to me. First, Citibank insists on essentially holding MY MONEY hostage for 90 days and now Citibank is dragging its feet to place a stop payment on a check for over $ 10K of MY MONEY. Why is a bank permitted to do this to a customer? This has been an unbelievably frustrating experience.
my payroll check has cleared ( my job 's bank XXXX XXXX XXXX ) but my bank Huntington has my funds on hold it was deposited XXXX/XXXX/16. Is this legal?
I received no mail correspondence or phone call from Amsher Collection about a debt that is not mine for a XXXX XXXX acct I do not have. I do not have a contract with XXXX and I requested to get any proof that they have to legally send this to my credit and didn't receive anything.
Tried to call to find what the debt was. I never opened a credit card and companies would not give any info other than date opened date closed and date bought. Original debtor said debt was bought jobinfo available.
Wells Fargo is the servicer of my loan. I have tried for a remodification 3 times. They always ask for me to resend and update information until I am exhausted, they promise that if I get everything in, there 's a good chance, but in the end, they always find an excuse not to give it to me. In the current application for remodification, I was told that I need a higher income. I told them that I had rented out my rooms in the past and had to get rid of my renters when I could n't afford the payments and tried to sell my home. So an executive that would n't give me his name said that if I send in proof of rental income, I will get my remodification. I sent it all in in XXXX 2015. Since then I have called and called. They are doing the same thing by requesting more and more documents that I have already sent them, and it has been 4 months without an answer. They are crooks! 

In addition, this XXXX they locked me out and barred me from my own home when I was XXXX payments overdue. We did n't even go into foreclosure, no judgements made, and they came to my home and had a contractor steal my orchids, disconnect my plumbing, dirty my carpets and more. I had just spoke to they attorney about moving back in after trying to sell it and having no luck because I owed too much to pay off the loan. After fighting with them over the phone, they returned my key, but never replaced or compensated for damages and stolen items.
The principle of XXXX of my loans was paid in full at the beginning of XXXX. However, there remained some unpaid interest on both loans. I have automatic monthly payments, disbursed by XXXX. The automatic payments did not go toward the unpaid interest on those two loans for an unknown reason. Likewise, I could not manually pay the loans as XXXX 's website would not apply a payment toward loans with no principle. I called XXXX several times and was told that what I was seeing on my profile was incorrect and the two loans were completely paid off. So I was left without an option to pay the unpaid interest and was told that loans were, in fact, paid. However, the credit reporting agencies were notified that I was not paying those two loans and was past due ( past due for a monthly amount of {$0.00}, per the credit agencies ). I worked with XXXX to remove the note on my credit report but the unpaid interest issue remained. 

This week, I logged into my XXXX XXXX I saw that the interest had capitalized for those two loans. Except now my profile states that they are delinquent, having been overdue since XX/XX/XXXX. Additionally, when I called into XXXX I was told that the automatic payments I am making now are in excess of what I owe and I am paying ahead. My last payment ( XX/XX/XXXX ) covered XXXX 's bill but was also applied to XX/XX/XXXX. 

I have been paying XXXX for years on a automatic payment that they encourage in an amount determined by them. It is wrong of them not to apply my payments to pay off debt due rather than over charge me and pay ahead ( of which I can't keep account of on their website ). I am concerned that many of my payments have been equally misapplied. 

Lastly, XXXX refuses to provide me with a summary of my contacts with them. They keep dates and notes of when a customer calls or emails. I have called two or three times a month on these issues for several months. It is noted in my profile but they will not share that with me.
This complaint is about the application of monies to Transfer Balance The type of problem I am having is the application of excess interest to my account because the Transfer Balance amount subject to interest has remained the same over the past nine statement periods from XXXX XXXX to XXXX XXXX. 
What happened is over the past nine statement periods the Transfer Balance amount subject to interest has remained at an average of {$1200.00} despite consistent payments totalling {$750.00}. In XXXX XXXX and XXXX XXXX I submitted written disputes to Barclays regarding the respective {$1200.00} and {$1200.00} Transfer Balances subject to Interest. With regard to my XXXX XXXX written dispute, Barclays did provide a written response however ( 1 ) the dispute failed to address ( answer my questions ) my dispute and ( 2 ) Barclay 's response stated that I should call them, when dispute guidelines clearly state " You may call us, but if you do we are not required to investigate any potential errors ... '' This 'request ' that I call them was very offsetting.
I was making a purchase online where the merchant only accepted Paypal for payment. After logging into my account I verified the amount and put in my new shipping address. The purchase was completed through my external ( XXXX XXXX XXXX credit card, so I thought. Today I received a bill from Paypal letting me know that I had a bill due to them from my new credit line. This was odd as I never signed up for a Paypal credit card. Apparently Paypal has set up their system to auto select their " pre-approved '' credit cards when processing payments through their system. In essence, they have taken the information I have provided over the years and ran my credit without my permission, opened up a credit card in my name to their institution without my permission, and processed payment on said credit card. Understanding the rules of credit, this has negatively affected my overall credit score, even if minimally, without my consent. As I am in the process of purchasing a new house this change may affect the interest rate on a 30 years loan ( even if minimally ). I believe this to be an extremely unethical business practice and the CFPB should be made aware of these practices.
XX/XX/2017 I purchased XX/XX/XXXX XXXX XXXX from XXXX XXXX through ally Bank with a XXXX   down payment, but instead I was sold a Lemon for XXXX for a XXXX  mile vehicle with all kind of problems from the flood lights dont come on, tires, brakes wind sheild wipers, car smells like oil is leaking in which it was, tail pipe rusted been under water before, smells molded and smelly when you turn Heat or Air on and also paid XXXX for over a year and half of the payment was interest and I had been spending on this vehicle since I had it they told me when I took it for maintenance they found other issues and I also told the manager of the dealership about these problems and also contacted the XXXX and they still didnt correct all of these problems I am mentioning so I got sick back in XXXX  and had to Bankrup, but the Co-debtor still paid the note and the car was taken to the shop again and they said it was other issues again with the car and we were sold a Lemon. so on today a Man from a Repo company came out to pick the car up in which I have not been driving, because of danger issues and recalls and the man was very nice and rung the doorbell in which we been home everyday due to my major medical issues and he told me that Alley Bank told him we were violent and he said to us we were nothing like they described and we have been here everyday, I don't dodge people and he saw that we were voluntarily giving him the keys for something not able to drive anyway, but I feel we were sold a lemon with half of the car note was interest that the making off of us, for a Lemon that they knew they had issues with for XXXX. Also contacted the FTC.
TransUnion dispute XXXX XXXX Reply| Yesterday, XXXX XXXX You I 'm looking at my credit report on XXXX and I 'm attempting to file a dispute with their automated system but it 's not letting me and then I logged into your website and it 's telling me I ca n't file a dispute so now I 'm contacting you through here and hope that you 'll help me file a dispute there are a couple mistakes There are XXXX accounts with this Bank XXXX XXXX shows a balance of {$1900.00} the other shows a balance of {$5800.00} both of these accounts have clearly been compromised and I 've been attempting to resolve this there are numerous fraudulent charges on both accounts both account should be closed immediately XXXX showing a balance of {$5100.00} I have no knowledge of this account this account does not belong to me never has
I am writing to find out why XXXX XXXX can just close an account you have had for 28 years, no money was owed, everything was current! This happened to me with a XXXX XXXX. No notification given, I went to use the Card after I had filled my car with gas, only to be told my account was closed. I was shocked. They are doing this to all accounts that they have power over. This has to be against the law thus my reason for filing this complaint. I feel this is total discrimination, especially against a recovering XXXX XXXX patient.
Wells Fargo has stolen {$270.00} from my business checking account in the terms of XXXX {$35.00} overdraft fees and XXXX {$12.00} overdraft fees and {$70.00} from personal checking account ... I never signed up for OD protection. 

Due to, what I believe to be an error by Arizona they levied my account and brought it to a balance of XXXX and the XXXX number Wells fArgo provided to handle the issue never had anyone pick up leaving me to use the internal messaging system. 

They saw that I, a XXXX XXXX Veteran XXXX XXXX XXXX XXXX who is XXXX ( from Arizona of course ), was in a tough spot financially and they took advantage by not responding to my messages with anything but " copy and paste '' responses asking me to call the line that never worked. 

I demand they return the {$270.00} immediately and also return the {$120.00} fee they charged me to have money withdrawed. 

XX/XX/XXXX XXXX withdrawal caused a {$35.00} fee XX/XX/XXXX a XXXX withdrawal caused ANOTHER {$35.00} fee On XX/XX/XXXX and XX/XX/XXXX they hit me {$35.00} both dates for the same {$250.00} attempt. 

This is unacceptable and I would like this to be documented formally so I may take additional legal action XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, among others.
I recently pulled my credit report and found that Jefferson Capital is still reporting on the credit bureaus a debt that was sold to another collection agency and was paid in full to the other collection agency. I contacted Jefferson Capital to advise them that they can no longer report on a debt they are not collecting. They sold my debt to XXXX XXXX XXXX XXXX in XXXX of 2015 yet are still reporting it. The debt was paid in full to XXXX XXXX XXXX and Jefferson Capital is unlawfully reporting it to the credit bureaus despite my request for them to cease.
XXXX XXXX Act Number # XXXX Credit Recovery Asso Acct Number : XXXX RFC 119 Acct Num:XXXX XXXX XXXX Act Num : XXXX XXXX XXXX XXXX Acct Num:XXXX XXXX XXXX XXXX Act Num : XXXX XXXX XXXX XXXX Act Num : XXXX " No contract '' with my personal signed signature. Dispute all information as inaccurate. " No business agreement '' was established with XXXX, nor did any documents state I agreed to let them service my account, should I default on the loan. " No sign contract '' with XXXX to collect any money, and the statue of limitation for collection agency to collect in another state. XXXX entry on my credit report files is illegal as I never engaged in an agreement with their organization. Illegally reporting information on my credit file, is FCRA LAW. Read the law. Charge off/collection is wrong, please delete these accounts from all three of my credit report/ files.
On XX/XX/2018 I attempted to temporarily remove an Experian credit freeze so I could get new utility service to my home. I tried to do this on-line but the web-site kept crashing when I submitted the form. So I tried calling... but there is no option for this. It says there is but when you spend 15 minutes on the phone maze it does allow you to do it on the phone - it instructs you to go to the website. I tried the website again and, although this freeze was placed on because I was hacked in the XXXX breach, Experian wants to charge me to remove the freeze. Its online blog says I don't have to pay if I was hacked but I can not remove the freeze unless I pay. Oh, and I tried to cheat my way to a live person and when I got to a place where it said PRESS 1 TO SPEAK TO A REPRESENTATIVE, I was told the wait was more than an hour. I think they have just found a way to make 143 million people pay {$5.00}... that could mean up to {>= $1,000,000} in their pocket.
I changed the amount of my payment in XX/XX/XXXX. I increased the auto pay so that I could pay off the loan early. I asked while on the phone that the extra money was to be applied to the principle. I paid a larger payment in XX/XX/XXXX and figured that the final payment would be taken the next month XX/XX/XXXX. The lender never applied any of the extra payments to the principle ever. Loan is paid off and the lender collected an extra XXXX in interest.
I received a letter from Helvey & Associates , Inc. for an alleged debt that I do not owe. When I called Helvey & Associates they were rude and hostile towards me in flagrant violation of the Fair Debt Collections Practices Act. I do not want any further communication from Helvey & Associates in any form. I do not owe them any alleged debt. They have flagrantly violated the Fair Debt Collections Practices Act with their abusive and hostile debt collection practices.