WillisBack/dataset-financial-user-claim huggingface dataset:
I received a loan from this company with a large interest rate on the loan. I am unable to pay the ballooned interest rate and wrote them a letter stating I wanted to cancel the loan and pay the interest rate. They excepted my payments of {$150.00} ( XXXX ) in which the loan was {$1000.00}. which my account balance should be {$700.00}, they tried to take {$1200.00} from my account. They are being not being reasonable and they continue to call family members harassing them stating I am a dead beat and not paying none of my bills.
I have a charge off account with XXXX XXXX XXXX XXXX, I was checking my Equifax report and I see inaccurate reporting in the payment history. Since Equifax is reporting the account inaccurate please remove it from my credit report.
I received a notice stating that I had already been sent a debt validation letter, but I had never actually been sent that letter. If the company had actually sent me a debt validation letter, I would have been able to dispute the debt. It claims that I owe money to  XXXX   XXXX , but my billing history shows that I paid every bill.
I have been a longtime customer at bank of the West. I recently received a letter regarding a new {$10000.00} credit card I had been approved for, which was followed by the actual card. I had never applied for a credit card so I contacted the bank. I explained to them I had never applied for a credit card and wanted this closed and an explanation on how this could have occurred. I was told that there was an application and I requested a copy be provided for my review. The call agent closed the account ( which I verified the next day ) and said a copy of the application would be sent to me. 

After a week passed and several confusing calls from the bank, I did contact an employee today who explained that the application was received over the phone and that I would not be receiving a copy of it. I stated that I still wanted an explanation of how this could have happened. After a few minutes the agent asked if I had ever spoken to XXXX at the XXXX XXXX, which I stated no I had not. The agent explained they would have to contact a supervisor and get back to me. 

With the situation at XXXX XXXX and the risk of identity theft, I am concerned that either I am victim of identity theft or Bank of the West has the same issue as XXXX.
I pulled a copy of my credit profile through  XXXX  and saw that a collection accouunt regarding account #  XXXX , which Portfolio Recovery claim I owe {$570.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I hav  e ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX   ) from your com  pany or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCP A 807 [ 15 USC 1962e ] ; theref ore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
YOUR COMPLAINT I am a single mom with a mortgage payment, car note and tons of bills with only one source of income.I have gotten online payday loans which causes My account to be overdraft weekly and I can not keep up with anything .It is killing me I don't have government assistance at all.The only debt that gets paid are the payday loans because they constantly overdraft my account and I am always in the hole.Which forces me to get another one of this crazy loans to stop the overdraft fees that occurs. Help!!!! what do I do at this point when I am just working to constantly be in the negative status.
I settled with the lawyers on a past credit card debt and received a notice that debt has been settled. I am now being sued again for the same account that I settled on by the same lawyers.
I purchased a mattress from XXXX directly on XX/XX/XXXX using the credit/installment loan payment option. During the online purchase I reviewed several different mattresses and decided on one that was on sale. The website clearly indicated that all mattresses had a 90- day free trial. Since this was the first time I was purchasing a mattress from this company, that trial period was integral to my decision to purchase a mattress from them. I tried out the mattress and on XX/XX/XXXX called the company to find out if I could exchange it. It was OK but not very comfortable. The agent told me that the specific model I purchased was a " closeout '' product and that all closeout products were not eligible for the 90 day free trial. I checked my email confirmation and there as no indication that I had purchased a " closeout '' item. But there was a very small disclaimer at the bottom of the email that closeout items were not eligible for the 90 day trial. I also checked the terms of the 90-day free trial online and there was NO indication of a limitation for closeout items. It ' s available here : XXXX : XXXX The company refused to honor the 90-day trial and I am now stuck with a mattress that I don't like that I will need to continue to pay off in installments to Wells Fargo . I am  very concerned that the company deceived me during the purchase of this item and did not clearly disclose that the item that I purchased was not eligible for the free trial. In addition, both the website and the email include multiple references to the free trial, and there is no caveat or exception called out. This is clearly a marketing technique used by this company and it was the differentiating factor that convinced me to purchase from this company. I feel deceived and cheated.
Someone fraudulently took {$700.00} dollars from my unemployment debit card without my knowledge on XX/XX/2018. I contacted the bank on which the debit card was issued and they told me to get a police report and that they were going to mail me a fraud statement report to fill out and return with the police report. On XX/XX/XXXX I received a letter from the bank saying that they were denying and closing my claim. The first person I spoke to at the bank told me that I had no proof that it was fraud and that there was nothing further that I could do to recoup my money. When I called back and talked to a second person they said that they only way I could get the fraud paid was if I could get a video of the person taking money out of the ATM where it happened. I am now trying to work with the police on this, but it is slow going. And in the meantime, I don't understand why the bank institute isn't doing more to help me recover my money and why they closed my claim without any effort on their part. They simply canceled my debit card and issued me a new one.
Last month I paid off my entire balance on my Capital One credit card. At the time, the balance reflected on the Capital One website was {$2400.00}. I paid the entire balance on XX/XX/XXXX.

A full 10 days later I was still charged {$31.00} for interest. This was not reflected anywhere on the website statement at the time that I had paid my balance. I did call Capital One to let them know this and requested a credit of {$31.00}. They refused stating that this was interest already accrued. However, I stated to them that this should then be reflected on their website for pay off. The associate agreed that this was a flaw on their website and that he would mention this to senior management. The call was escalated. However, the second individual also refused to credit the {$31.00}.
I applied for a Home Mortgage with Chase and was approved back in XX/XX/XXXX. The mortgage was scheduled for closing on XX/XX/XXXX at XXXX XXXX Despite repeated numerous messages and emails from Chase that " nothing further was needed at this time '', I was contacted on XX/XX/XXXX at XXXX XXXX to tell me that Chase was not ready to close as they had been unable to verify my employment. Though this was the first that I heard about this being an issue ( as Chase had not mentioned it to me the 3 times that I spoke to them on the phone in the week leading up to the closing ), I was able to get my employer to verify my employment immediately.

We then had to wait until approximately XXXX XXXX for Chase to send over the closing documents. This delay was due to the fact that Chase had failed to send over any figures to the closing company until XXXX XXXX on the morning of the closing. They first sent me a preliminary closing disclosure about a week before the closing. The disclosure was inaccurate as it failed to include the {$7000.00} in credits the Seller had agreed to provide due to issues being found during the home inspection. Chase claimed that it was unaware of such credits, though my attorney had emailed Chase the documents back on XX/XX/XXXX. I never saw a corrected closing disclosure prior to the closing.

The initial closing disclosure I signed indicated that I needed approximately {$76000.00} to close. At XXXX XXXX. Chase contacted the closing company to state that the closing disclosure was wrong and that they would be sending over a new one. I then proceeded to wait until shortly after XXXX XXXX, four hours after my closing started, to receive a new closing disclosure, which now stated that I needed approximately {$78000.00} to close - an additional {$2300.00}. The reason for the change was : 1 ) Chase had incorrectly calculated the per diem interest on the first closing disclosure ( the correct amount was almost doubled ) and 2 ) Chase was disallowing the remaining balance of the {$7000.00} in credits the seller agreed to provide ( this amount was {$1800.00} as the rest was used to pay for the closing costs ).

I was not able to get anyone from Chase on the phone to discuss this issue until XXXX XXXX At that point in time, Chase could not answer why they were disallowing the additional credits, nor why this issue was coming up for the first time 4 hours into my closing, despite Chase being aware of the credits for over two months. Accordingly, I had to pay {$1800.00} above the amount that the seller and I agreed on for my house, simply because Chase said so ( but could not explain why ). Keep in mind, this is on top of the {$2500.00} in fees and charges that I had to pay to Chase for my mortgage.

Despite writing numerous emails to Chase about this issue, I have not had the courtesy of a response. Keep in mind that I have been a Chase customer for over 8 years.
The auto-debit system overcharged me approximately {$540.00} for the month of XX/XX/XXXX. This placed undue pressure on my financial situation by making a large drawdown on my savings account. The auto-debit instructions make no statement about the potential to overpay for the month.
ProCollect DID NOT and NEVER informed me that I owed a debt or that I had a right to dispute the debt. I contacted ProCollect on XXXX, 2017 and paid them {$1800.00} ( which include a fee that they charged ). Yesterday on XXXX/2017 I checked my credit report and ProCollect has reported an open collection account and caused my score to drop XXXX points! When I contacted them today the person who took my call initially was very rude and condescending telling me that I " should have paid the debt in the first place. '' Then I spoke with " XXXX '' who admittedly stated that he had never tried to get in touch with me prior to me calling him and paying the {$1800.00}.
Received a credit card letter from XXXX Ohio Comenity bank requesting information on credit card. I called and informed them I hav enot opened anything up. XXXX XXXX XXXX. I live in XXXX, Montana. The customer support did nothing. I recalled was informed they did not have me in their system. When I asked why I received a letter with credit card information on it, they denied it. I am worried some one opened up a credit card and I am going to be in trouble for it. The customer service person said they could not find me.
I opened a new checking and savings account with Citi as part of the sign on bonus promotion for {$400.00}. I have never had an account with them before. I signed up around XX/XX/18 when the promotion is active and fulfilled the criteria of depositing {$15000.00} to the bank. I verified with the phone rep twice in XXXX and XXXX and both times confirmed that I successfully sign up for the promotion and that it will be credited to me in a few months. I called today again because I should have received the bonus in my account by now but has not. The phone rep today said I don't qualify now after keeping my money for 4 months because my account was not set up correctly. I felt like this promotion is a scheme to keep my money for as long as they can and coming up with an excuse to not keep their promise. The rep confirmed that a lot of people felt the same frustration.
I received a check from my mom for {$750.00}. I deposited it in my checking account ( XXXX/XXXX/16 ) and withdrew the funds the next day. Four days later my checkcard is declined and I am told by my bank that their loss prevention department suspected the check was counterfit. The check had already cleared my mom 's account. My payroll had also just deposited and it was enough to cover the check XXXX3 times over. I had no cash and they refused to release any funds. I spoke to XXXX different people before ending up with XXXX in the executive section. She was unhelpful, basically told me I needed to submit a Proof letter. She informed me I needed a letter and with the check number, amount, case number, my moms phone number and that she wrote the check. My mom provided the information and I verified they had recieved it. I was told that they should relase the hold in XXXX48 hours. They did authorize a partial amount for withdrawl, but returned several incoming payments that I had previously submitted. On Monday morning I called again. My account was still on hold. I was escalated to the executive side again and was told by XXXX that the letter was n't sufficient. My mom then went into a XXXX XXXX XXXX Branch ( this is her bank ). They told her that they did not have letter head in the branches, but made copies of the cleared check authorized and verified my mom did authorize it as well as her signature and used the official XXXX stamp to certify its authenicity. That was sent to them on Monday the XXXX. They still refused to release funds and were indicating their intentions to close my account in spite of me providing all the information they requested. The next morning my mom went to a Wells Fargo branch with all of the information to provide unquestionable proof that it was not fraud. Wells Fargo refused to help her because she was not the account holder. The W.F. investigator then made the decision that it was not a legitimate check ( or so loss prevention told me ) and that they were closing my accounts XXXX XXXX and that I would recieve a cashiers check in the mail shortly there after. So that left me having NO MONEY and multiple returned items and overdue bills until at least XXXX XXXX. I requested the manager of the exectuive office to call me and they never did. I have gone to XXXX different local branches and every officer at each location tells me that it makes no sense that the documentation should be sufficient, but none of them have been able to override loss prevention. I contacted them once again yesterday and they grudgingly agreed to release my funds with the condition that I close the account after I had said that I would be contacting the CFPB. I now have no checking account and have been denied opening a new account with several other banks due to the freeze and " fraud '' that Wells Fargo is claiming.
This company keeps calling me trying to contact my sister. I have told them several times to stop calling me. They are incredibly rude and wo n't stop. This is not my concern or my business and it is harassment.
I use my XXXX Rewards ( XXXX ) administered by Chase for my hotel stays. 

During my membership Chase offered a 0 % interest on balance transfers. I took advantage of that option ; however, it was not fully explained how payments and interest would be applied after the balance transfer. 

Facts not previous explained in terms that are understandable : - I will ALWAYS accrue interest on my purchases regardless of paying that amount prior to statement close date - any payment I make over the minimum pmt due does not get applied to interest bearing purchases, it pays down the 0 % interest balance until after the statement close. 

For example : Stmt date : XX/XX/XXXX Minimum pmt due : {$110.00} Purchases on XX/XX/XXXX in amount of {$800.00} and XX/XX/XXXX in the amount of {$300.00} started accruing interest and could NOT be paid until after the XX/XX/XXXX stmt date. 

I have to make 1 payment in the amount of the minimum pmt due ( {$110.00} ) plus the purchases ( {$1100.00} ) plus interest ( continuing to accrue until paid ) all in 1 transaction. If I pay the minimum payment due ( {$110.00} ) on XX/XX/XXXX and then the purchase amt ( {$1100.00} ) plus interest on XX/XX/XXXX, the cc company will ALWAYS apply the 1st {$110.00} ( even though it has already been paid ) to the 0 % interest balance and short my purchase amt accruing interest at 24 %. In order to get an accurate total amount due to avoid interest, the consumer must call in to ask for the exact amount that will need to be paid that day since interest continues to accrue daily. 

These are highly complicated payments structures that the average consumer can not fully comprehend and there is not transparency or visibility on the monthly statement which clearly identifies what amount should be paid, so that no additional interest will be accrued. 

The CFPB needs to step in to STOP this horrific interest scheme and force the cc company to always apply the payments to the highest interest rate 1st ( including the minimum payment due ) and stop the accrual of interest until after statement due date. I thought we the credit card reform act had accomplished that very thing, but clearly the cc companies found this loop hole or are not following the spirit of the regulation.
I have an account in collections  that was opened on my credit report this month. The account is listed as " Commercial AcceptanceCompany '' and  says the account was opened on  XXXX / XXXX / 17  with a balance of {$1900.00}. I 've left multiple messages at the phone number  XXXX  but can never actually speak to a person and do not receive a call back. I did not open any accounts in  XXXX  of this year and have absolutely no more information on the 'debt ' which I believe is a fraud ulent one. I am frustrated and do not know how to proceed. My credit score has dropped significantly due to this.  What can I do?
This is a paid account with XXXX balance. The last date of activity was XXXX 2007. This account should have been removed from my credit report after seven years.
I received a letter from   XXXX   XXXX   XXXX   with an ITEMIZED statement from the hospital showing what was done to me. This is my personal information and is a MAJOR LAWSUIT TO VIOLATE HIPPA REGULATIONS.
This is the fourth complaint against my bank on a XXXX XXXX mortgage which payments started being made XXXX XXXX. This is my fourth complaint against XXXX XXXXn failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my XXXX XXXX XXXXoan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX. Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull's-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my XXXX XXXX loan submitted to the appropriate credit bureaus. Each time, I call XXXX they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX is not reporting nor showing all of my payments that have been made on my XXXX XXXX loan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.
My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted to XXXX XXXX XXXX via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have  made and XXXX XXXX XXXX./Department of Education has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX./Department of Education has neglected to  provide this accurate information to all three ( 3 ) credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three ( 3 ) credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment XXXX XX/XX/XXXX Payment Card Submitted on XXXX website XXXX XX/XX/XXXX Payment Card Submitted on XXXX website XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX