WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I applied for a loan online and XXXX XXXX XXXX was the company that received my application. At the time I was shopping for the lowest rate. I spoke with the manager and he stated he would give me a discount and I would only pay {$64.00} of interest for the life of my loan. He did everything on the phone. I never signed a contract or received Truth in savings disclosures. Then after I paid the full balance I called to see if all was well and the representative told me I had over {$500.00} more of interest to pay. I explained to her that a manager there gave me a discount and she stated that was only if I paid the full loan off in the first draft payment. That was not disclosed to me and she said well he no longer works here. Not surprised since he was deceiving customers. I told her I need a copy of the contract and they couldn't give it to me. Then on XX/XX/2018 I receive a link to sign my contract. I never received that back in XX/XX/XXXX. I think they falsely electronically signed the contract because now I can view a contract, but on XX/XX/2018 there was no contract on file. If I already had a contract from back in XX/XX/2018 why would I have to sign a new one XX/XX/2018 via email. I think once you click that link, they can say she clicked it so she signed it. I will attach that email. I emailed them the following information so that they do not call and harass me at my job. 
To XXXX XXXX XXXX : I placed a stop payments from your company on my bank account. I was informed by a representative of your bank on the interest of my loan. I was told that after I paid my loan in full, the only interest I will pay is {$64.00}. Now I have been told that this is only the case if I paid you in full on the first draft. I never received a contract in my email nor did I receive a truth in saving disclosure until I called and asked for one on XX/XX/2018. You have been paid the full {$500.00} plus interest. I have no problem paying you the additional {$10.00} dollars based on my original conversation with the representative I spoke with at your company. Do not call my place of employment harassing me. I have told you not to call my job on a recorded line and I have now documented this by email. I have reported your company to the Federal Trade Commission for misinformation. I was deceived by your representative, who now I find out doesn't even work there anymore, probably because he had deceived other consumers. Do not call me employer phone and delete it which in your files. I will not be harassed. You have been paid all the full amount I borrowed which {$500.00} and deducted a total of 4 payments of XXXX from my Chase Bank account. This totals to {$550.00}, I only borrowed {$500.00}. Based on the conversation with your representative, I only owe {$10.00} additional of interest and you may call me to receive that amount over the phone or I will pay it online. Do not call my place of employment and harass me nor call my phone. I placed a case with FTC and CFPB on your representative 's deceptive behavior. And since you have been paid the full amount I borrowed, I believe this is fair.
I put an fraud alert on all three credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.           TRANSUNION :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  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  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX
On XX/XX/2018 the company by the name of XXXX XXXX XXXX XXXX XXXX XXXX  Located in XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Took out {$900.00} dollars from my XXXX XXXX XXXX  account. When contacting them they said it was for a Credit Card from XXXX from more then 10 years ago.This " Debt '' that they were referring to does not even exist in my credit report. In the State of Florida there is a Statue that states within 4 - 6 years a debt can no longer be collected. Also I have been making payments to this same law group about 4 years ago. So on this day they took all the money from my account and had the bank freeze my account for no legitimate reason.
XXXX XXXX was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, XXXX updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since 2014. This caused my credit scores to drop 100 points.
In XX/XX/2018 I got a letter from XXXX XXXX saying that I needed to update my personal information in my XXXX XXXX XXXX account. 
I promptly went into my online profile and made sure all my addresses and phone numbers were updated. Yesterday XX/XX/2018 I received a final letter stating they had closed my account! My XXXX XXXX XXXX acct through XXXX was closed because I had my XXXX XXXX listed on the acct and they wanted a physical address. The letters from XXXX where not clear or specific in what they needed so i thought i had properly updated my profile. I didn't know they were demanding me to add my physical address to the acct. That is what the XXXX  agent told me on the phone. She also said my acct is in great standing, 10+ years in good standing! I pay early & more than due each month. They say they are protected by the patriot act but I think it's a bogus excuse to close accounts. Something needs to be done! Class action lawsuit?
hello, XXXX 2016 Chase bank colluded with the State of LA to put a levy on my checking account, comprised entirely of social security. i 'm senior, retired, indigent, homeless. ca n't find legal assistance. both parties are now heaping on XXXX dollars of penalties and fees. i am judgement proof on many levels yet there 's no denying the predation. how can it be stopped?
I was no allowed to apply because I disagreed with their policies from a previous loan. I have had multiple loans there and have never been late. I have an excellent pay record with this company. They just did not like the fact that I questioned them about their policies and refused to allow me to apply for credit.
Paid off XXXX XXXX on XX/XX/XXXX, which went to XXXX XXXX in the amount of {$980.00}. Account number for Convergent is # XXXX. XXXX XXXX account number is # XXXX. They refuse to remove this from my credit as they agreed to do so! 
Now apparently there was another account with XXXX I had no knowledge of which doesnt list the account number from XX/XX/XXXX which went to collections with XXXX XXXX ph # XXXX. I paid on XX/XX/XXXX, what they asked {$380.00} and they refuse to remove it from my credit. Conf # XXXX I have submitted proof on the disputes and they are not cooperating!
I placed an order for {$310.00} with XXXX XXXX. They posted double that amount for authorization. An additional {$310.00} worth of my funds were held that I could not have access to. 

When I called the bank they refused to get on a conference call with the manager at XXXX and I to resolve this, and the manager at XXXX refused to admit that they had requested double authorizations. 

They both said the amounts would " fall off '' in a couple of days. When I told both US Bank and XXXX that I had checks that might be coming through they both said they would do nothing to help. US Bank said they would charge me insufficient funds fees if anything bounced as a result of this mistake. 

I spoke a supervisor named XXXX. He acknowledged that XXXX authorizations were incorrectly applied, but because of US Bank 's policies, he could not help. He also said that if I was charged NSF fees it would " at the bank 's discretion '' as to whether or not they would reverse those fees due to a merchant error.
My interest-only adjustable rate line of credit was taken over by  Servis One , Inc. dba BSI Financial Services,    XXXX   #  XXXX ,  XXXX   XXXX  around  XX/XX/XXXX . My agreed to LOC adjustable rate is  1 1/2  below the prime interest rate, which is currently @ 4 % making my current interest rate obligation 2.5 % today. The correct 2.5 % interest rate appears on both my  XX/XX/XXXX  and  XXXX  XX/XX/XXXX  BSI loan statements.  <P/> I received a letter from  BSI Financial Services d ated  XX/XX/XXXX  stating : " we have determined that the interest rate on your loan was set up incorrectly due to a system error and we undercharged interest on your account. The total amount of undercharged interest during the servicing of your loan by BSI  Financial Services i s {$71.00}. This amount will be billed to your account and will be reflected on your  XX/XX/XXXX  billing statement. '' I called the BSI toll free # (  XXXX  ) provided on my letter and spoke with  XXXX  ( she would not provide her last name ) asking for a detailed accounting of this additional charge. A detailed accounting of this adjustment does not appear anywhere on my online BSI account at www.bsifinancial.com. I personally calculated my LOC adjusted interest rate and do not see any discrepancies in amounts I 've had automatically deducted from my bank account.  <P/>  XXXX  could not help me out. She said she would send my request to the loan team and asked that I call  XXXX  back on Tuesday,  XX/XX/XXXX  to see if any details on this additional, unexplained charge could be provided. I told  XXXX  this was not acceptable ; my credit rating is excellent and I make monthly principal payments on my interest only account. I will not allow any financial institution to scam me. Federal law requires loan institutions to provide customers with details on loan charges.  <P/> I 've had similar problems with BSI in the past. This company refuses to send written documentation to support random costs charged to my LOC. I wan t Servic Onc, Inc. dba BSI Financial Services.  XXXX  to be accountable for their actions.
Another Fraudulent Wells Fargo Practice Home Mortgages ( Misapplication of Loan Pre-payments ) My wife and I have a home mortgage with Wells Fargo ( origination XXXX XXXX ). During XXXX we began making additional payments to build equity and, hopefully, payoff the mortgage before the end of the stated term. We communicated our intent for additional payments to be applied to principal. Indeed, Wells Fargo appropriately applied our additional payments to principal until XX/XX/XXXX. 

However, in XXXX XXXX, for some mysterious reason, Wells Fargo applied our additional payment to the XXXX XXXX principal and interest payment ( i.e., a pre-payment of the following months mortgage payment ). Wells Fargo failed to notify us of this change in method of applying additional payments. Wells Fargo representatives indicate that the reason the payment was not applied to principal was because we did not provide specific instructions for that payment to Wells Fargo. This explanation was shamelessly provided notwithstanding the fact that previous payments were appropriately applied without specific instructions. Wells Fargos explanation is even more unbelievable when you consider the fact that we made our regularly scheduled payment in the following month ( in XXXX XXXX ). At that point, it was obvious that our intent was NOT to pre-pay the XXXX XXXX mortgage principal/interest amounts. 

Note : We pay our mortgage electronically ( like most people ) so we do not provide instructions for each individual payment. However, we previously communicated to Wells Fargo that any additional payments should be applied to principle. 

Wells Fargo has repeated this practice on several occasions over the life of the loan. As a result, my current loan balance ( as of XXXX XXXX, XXXX ) is overstated by approximately {$2400.00}. 

When brought to their attention, Wells Fargos attempt to correct these errors generally result in additional errors ( e.g., late fees charged to my account when payments were reversed in the system, etc. ). In fact, Well Fargo representatives recently tried to discourage me from pursuing this claim indicating that payments will need to be reversed all the way back to XXXX, which will increase the chance of more errors. I couldnt help but think : Did they really just say that? 

I believe this is just another common tactic that Wells Fargo uses to covertly steal their customers money. The representatives at Wells Fargo that I 've been dealing with have been very respectful and appear to be genuinely interested in addressing my concerns. However, it is obvious that they are operating under Corporate mandated directives that restrict their ability to do the right thing, which is not that surprising given what we now know about the culture at Wells Fargo.
Refinanced Ocwen mortgage in XX/XX/XXXX. To-date XX/XX/XXXX and it remains on my credit report. Spoke with Ocwen representative in XXXX and they show it paid. How can I get the debt removed from credit report?
Amex : 1. erroneously took away my sign-up XXXX Membership Reward points when I had to rebook a flight XX/XX/XXXX ( new flight was charged to the very same card XX/XX/XXXX to replace my cancelled flight ) and 2. fail to reinstate them as of XX/XX/XXXX even after unhelpful three online Customer Service chat sessions ( last session XX/XX/XXXX ) plus one Customer Service call .
My mortgage was sold to select portfolio services Inc... I was told that " nothing '' would change from my old mortgage to my new one... My old one ( XXXX ), allowed me to make online payments at no cost ( I paid extra )... SPS charges me XXXX dollars per online payment... I have the option of setting up automatic payments - but it takes away my options of paying more...
A little more than a year ago I refinanced my mortgage with my original mortgage company. Since the refinance the company has sent me my statement late. This past month statement, I received in the mail XX/XX/XXXX and it was due the next day on XX/XX/XXXX. I have contacted them many times and have been told that " they aren't responible for how slow the mail is '', or " my statement is always available online '', or " i don't need the payment coupon to send in my statement ''. The last excuse is that " the statements are a coutesy. '' All these excuses may sound resonable except I dont always have internet access, I have a legal right to receive a " hard copy '' billing statement in the mail ( not just a coutesy ), I also should point out that 12 C.F.R. 1026.41 ( b ), which requires a mortgage lender to deliver or mail a periodic statement within a reasonably prompt time after the payment due date or the end of any courtesy or grace period provided for the previous billing cycle. Receiving the billing statement 1 day before the due date is certainly NOT a reasonable amount of time since I choose to receive my notice by mail. I'm " old school '' and track my billing and spending and payments made through physical statements. With all the hacking and breeches these days I rely on the mailed copies. I need assistance in making this mortage company to understand my legal right in how and when I am to receive a proper statement by mail.
A thief stole almost {$10000.00} from our checking account at Citibank by impersonating my wife with a fake ID and cashing XXXX forged checks against our balance at XXXX different branches in late XXXX / early XXXX of this year. Citibank notified us about the fraud, so we went to a local branch where we signed an affidavit stating we were n't involved in this scheme and provided all the information required for Citibank to process this claim. The branch manager, with whom we met for about two hours that day, told us Citibank would credit the stolen funds in a matter of days. It 's now been almost a month since then and Citibank has n't restored the money to our account. Now they 're saying their investigation could take up to 90 days because of the nature of the fraud, with no ETA on when or even if we 're going to get our money back. We think it 's wrong that Citibank is withholding this money, which we need, when the only reason why it 's missing is due to their lax and negligent security safeguards and practices. For example, apparently Citibank made no effort to verify that information on the fake ID used by the thief, such as my wife 's date of birth, was correct. Citibank also instantly cashed the XXXX forged checks which apparently were checks from closed or non-existent businesses whose accounts either never existed or were no longer open. Citibank did n't bother to verify if these checks the thief presented to the tellers were valid and legitimate before handing over almost {$10000.00} in cash from our account to a criminal. In addition, Citibank should have flagged these transactions as suspect the moment the thief tried to pull them off because we 've had this checking account for almost 20 years, and we never conducted such a transaction, namely showing up with XXXX checks issued to us by XXXX third parties, and cashing them right then and there. We want Citibank to acknowledge its failure in protecting our money from this criminal and credit the stolen funds to our account immediately.
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XXXX XXXX XXXX Can send these in as well once I get them scanned.
I was contacted by XXXX XXXX XXXX about an outstanding bill in a letter dated XX/XX/2018 when the bill was paid on XX/XX/2018.
This is in addition to complaint # XXXX against OCWEN Loan Servicing LLC . They have just sent me a letter threatening foreclosure on my home if I do n't pay a disputed accounting failure on their part. No specific date or month of the bill was mentioned ... .absolutely no specifics were mentioned just an extortionate threat to pay. I would gladly pay my bill only if they ( OCWEN ) could provide a definite hard copy bill of month and year in question .So far they have sent computer print outs with numerous omissions ... .I have signed up for their payment conformation program and they have not sent me a conformation in 3 months. This is a unscrupulous company running out side of the USA ripping off and strong arming / exhorting millions from it 's clients.
On XX/XX/XXXX I received an email from a friend with a recommendation to apply for the Delta Gold credit card with American Express. Using the link, I applied for the card and received my first membership email from American Express on XX/XX/XXXX. The special rewards offer at the time was that I could receive XXXX XXXX points if I used the card for {$3000.00} worth of purchases within the first three months of applying. I completed that requirement by XXXX, but by XXXX I still hadn't received those points. 

When I contacted customer service the first time ( in XXXX ), the representative told me that the points should be applied within 4-6 weeks, and gave me a bonus of XXXX points for the inconvenience. Six weeks passed and I still hadn't received my XXXX points. I called again, and was told by another representative to call back a week later. I did so, and was again told to just keep checking back. That was about a month ago, so tonight I tried calling one more time and was put on hold for about 8 minutes before the call was dropped, either because the phone had been on hold for too long, the representative was just hoping I'd hang up, or there was a bad connection somehow. Regardless, I am so tired of making phone calls about an issue that should have been resolved almost six months ago. If I fulfilled all of their requirements, then there shouldn't be any problems with American Express upholding their end of the agreement.
Wells Fargo Home Mortgage has refused to give me this current information and your help is needed. I feel Wells Fargo Home Mortgage is duel tracking in a attempt to refuse a loan to me and discriminate against a XXXX women. Loan # XXXX XXXX XXXX, Property Address : XXXX XXXX XXXX XXXX , XXXX XXXX, CA.XXXXWhat the status of my Loan Modification Application? 
On what date did you receive my Loan Modification Application? 


XXXX XXXX
I bank at Citizens Bank. The Citizens Bank I use often to withdrawal funds as ATM issues on a regular basis causing me to have to use other ATM 's that are not Citizen Bank owned. In the last week and a half alone among other times throughout the month the ATM machine has been down or the bank was roped off due to a robbery causing the use of NON Citizens Bank ATM 's. I was charge a number of fees they consider 'Convenience Fees '. When I called the bank to discuss the fees and the reasons why I was charged them, they only agreed to reverse XXXX of them. It is not right to charge a consumer fees for something they are supposed to supply and are unable to for whatever reason. To call it a 'Convenience Fee ' when it is clearly not a convenience it not right.
There has been submittet XXXX XXXX XXXX XXXX payments on my mortgage in 2016 but the mortgage service company ( Bayview Loan Servicing ) claims only XXXX payments have been received. I have submitted copies of bank statements to Bayview, but I am unable to get the company to acknowledge that there has been made a mistake on their behalf. I have submitted several complaints to the company, but they have not provided any feedback. I have talked to more than XXXX customer service representatives but they are unwilling or too incompetent to help. Despite the fact that I have submitted documentation of payments the mortgage company claims a payment is missing and there is nothing more they can do to trace this.
I have attempted to contact all three Bureaus to remove delinquent accounts from my credit report. I have shown proof that my identity was stolen ( with the attached documentation ). I requested that each company show me PROOF of how each account was validated or remove them from my credit profile. I was contacted by each company with only a copy of my credit report and no other useful information. These delinquent accounts were NOT removed and there was no evidence of a " reinvestigation '' or results.
I have a second mortgage that is about paid for and than on the statement 2 new amounts started showing up on the statements, one called deferred amount for {$1300.00} and one for fees and charges in the amount of {$620.00}. 
This loan was started with XXXX XXXX  and then sold to XXXX and now Real Time Resolutions. For about the last 6 months these would show up on the statement I would call Real Time Resolutions and question what and were did they come from with no answer. The following month the fees and charges would be remove only to reappear the following month. I called XXXX and they discovered these balances were added on XX/XX/2008 when they assumed the loan but could not answer what they were for and suggested I notify consumer finance.
Every day I get calls from someone telling me to call XXXX about a debt, I know I do not owe anyone a debt but I have to stop and answer the phone XXXX or 3 times per day because of this person calling.