WillisBack/dataset-financial-user-claim huggingface dataset:
I generally pay my credit card balances in full every month by the due date and did so in this case. I use an electronic bill paying system through my credit union. This issue is from my XX/XX/XXXX payment on my Chase Visa credit card billing statement for the amount of {$3500.00}. Payment was due on XX/XX/XXXX. My credit union 's records show that they made the payment electronically on XX/XX/XXXX ( confirmation # XXXX - see attached ). Chase Visa did not post or credit the payment until XX/XX/XXXX and charged me a {$35.00} late fee plus interest of {$77.00} ( XX/XX/XXXX ) and {$38.00} ( XX/XX/XXXX ) for the last two billing cycles. 

I intially called Chase and they refused to reverse the charges stating that the payment was two days late. After I confirmed with my credit union that the payment was processed electronically on XX/XX/XXXX, before the due date, I called Chase again. They agreed to reverse the late fee and first month 's interest charge ( {$77.00} ) as a " courtesy '', but they would not remove the the additional {$38.00} interest charge on my XX/XX/XXXX billing. They admonished me to pay my bill earlier to account for weekend delays in their payment posting procedures. 

I reminded them that this was an electronic payment and should post immediately and that XX/XX/XXXX was a Thur. giving them two " business days '' to have processed the payment. They refused to refund the remaining {$38.00} interest charge or any subsequent interest charges resulting in their not posting my payment when received. 

From my perspective, I did everything correctly and in accordance with standard financial procedures. I followed exactly the same payment procedures that I have always done before without incident. They received full payment prior to the account due date. It is their error and/or inefficiency that caused the late fees and interest and they are requiring that I be financially responsible for their errors.
There is a tax lien on my credit report with XXXX. It is not mine. I have the same name as my father. They are confusing me with someone else. I contacted the IRS AND STATE CONTROLLER OFFICE and confirmed that this does not belong to me. I disputed this with XXXX and they are continuing to report this on my credit. The IRS stated that they never verified anything like this on me to XXXX and that they do n't do electronic verification. XXXX failed to respond to my dispute on this error. it has been past 90 days
This is my second time sending a request regarding this issue. I have paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I have paid with the original creditor directly. See the attached copy of the receipt as account being paid to XXXX the original creditor.
Franklin Collection Services will not validate a debt that is reporting on my credit report. I have no knowledge of this alleged account or service that is reporting on my credit reports. I have reached out to them for total validation of the debt and they will not provide me with any documentation that would require me to pay them for any service. I asked them to provide me with proof that I have any legal obligation to pay them and they have not. The debt is very old and past the statue of limitaitions to collect and it needs to be removed off my credit file. Reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ).
This complaint is about a disputed charge on my MasterCard with Bank of America. A company called XXXX XXXX XXXX out of Florida offered to recoup charges made from a Fraudulent law firm. Bank America credited my account for this amount on XXXX XXXX XXXX so I paid XXXX XXXX XXXX the agreed 45 % ( {$1500.00} ) on XX/XX/XXXX. A week later Bank America took those funds back saying the charge was too old and closed the case. I have been trying to get XXXX XXXX XXXX to refund my {$1500.00} since. I filed a dispute with Bank America, case # XXXX. They requested additional information which I provided on time, that at first said they got too late and then admitted they got on time but it was n't enough information. Clearly XXXX XXXX XXXX has not fulfilled the signed contract, which Bank America is in possession of, but Bank America has closed the case and will not do anything further because the vendor, XXXX XXXX XXXX, will not answer any ones calls or Emails. I have spoken with Bank America on the following dates with no solution. XX/XX/XXXX ; XX/XX/XXXX ( with XXXX and XXXX in XXXX ), XX/XX/XXXX XXXX in Credit and XXXX in Texas, XX/XX/XXXX with XXXX in XXXX, and XX/XX/XXXX with XXXX and XXXX in XXXX. As far as XXXX XXXX XXXX, I have a voice mail from XXXX XXXX XXXX from XX/XX/XXXX in which an XXXX XXXX said he would submit a refund on that day. Never happened and I have since filed a complaint with the States Attorneys General Office in Pennsylvania and Florida and with the Better Business for XXXX Florida. I can not understand how Bank America can take this stand for this vendor over all the evidence I have submitted. They know I did not recover any funds because it was them who took the funds back. Thank you
Caliber Home loans is responsible for my homeowners insurance. XXXX XXXX is the underwriter for my insurance ( or lack thereof ). On  XX/XX/2017 Caliber paid {$1000.00} for my then current insurance premium ( this # was taken from Calibers ' website for my account ) and when I look at my insurance documents from XXXX XXXX this is the amount they show for the premium. I recently filed an insurance claim for wind damage to my roof only to have XXXX XXXX tell me insurance lapsed last year due to a payment discrepancy. Caliber shows they paid, XXXX says they didn't and at the end of the day I'm left holding the bag. I seriously need help with this. Thanks for your time
My recent complaint ending in XXXX was disputed because they referenced an old paid off loan. The loan # in dispute by me is # XXXX. I was not able to " opt out '' of credit life and XXXX on any of my loans prior, even though I 'm an insurance agent myself. This loan is very large now and worth as much as my car itself. Please have them explain my current loan status, not a paid off XXXX from 2014. I understand that the insurance paid by me is purely profit.
bank of XXXX mail me my rebate card, lost it bank of XXXX says its the XXXX who gave the rebate
When the original creditor called we were confused about the debt because they were saying XXXX XXXX and I have a XXXX XXXX Credit Card. We told them we did n't have an account with them and they said thank you and we never heard from them again. Now they have apparently sold the debt to LVNV Funding and they call and tell me they are serving me with papers and going to be contacting my place of work. I am not even sure what this is about.
I have a Citi Visa card for XXXX.

I pay my bills ... using Bill Pay through my XXXX XXXX account. On two occassions I was charged a " late fee '' for payments that my bank told me had been delivered on time.

I appears that although the check arrives in time ... there is a delay in when it is processed. After wasting time with my bank and Citi customer service ... I changed the due date to give them an extra 2 days to credit my account. They had charged me {$25.00} x 2 for these incidents ... but that was eventually refunded.

I did not receive a paper statement in XX/XX/XXXX ... and since I don't use this card on a regular basis ... I figured that no payment was due. Today, I learned ( through repeated calls to my cell phone ) that I missed a payment. I paid it immediately out of my checking account ... but they refused to cancel the {$25.00} late charge. [ Oh, they also had the wrong bank and checking account associated with my Citi account ] I have no intention of continuing my business relationship with Citi. However, it may be that they have found several new ways to generate late fees! I have another VISA card ... which I manage in the same way ... and have had no fees for many years.

After XXXX XXXX   ... I wouldn't be surprised if this " slow down '' in crediting an account or missed statements was deliberate.
Dear XXXX XXXX XXXX XXXX, Are you still unable to raise the fee of just {$180.00} to enable us send to you the original copy of your draft? 
XXXX XXXX. 

Sent : Monday, XX/XX/XXXX at XXXX XXXX From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I don't have the money yet I will let you know ok and I am not sure yet either XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " foreign operationscbn '' <XXXX> wrote : Dear XXXX XXXX XXXX XXXX , Send the fee {$180.00} to us by Money Gram Or XXXX only in this Name : Receiver : XXXX XXXX XXXX. 

After payment, send the money gram control number to me to enable my secretary go for the collection from money gram office here.On receipt of the fee, the original copy of your draft will be send to you by courier service. 
Yours Sincerely, XXXX XXXX. 



Sent : Sunday, XX/XX/XXXX at XXXX XXXX From : " XXXX XXXX '' <XXXX> To : " foreign operationscbn '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : And tell me where to send the XXXX dollars to and I will as soon. As I get a chance. You would not understand what I am goi g through but I will send for this XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " XXXX XXXX '' <XXXX> wrote : Why??? 

Sent : Saturday, XX/XX/XXXX at XXXX XXXX From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I am no longer interested. 

XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " XXXX XXXX '' <XXXX> wrote : Still haven't hear from you why??? 
Sent : Monday, XX/XX/XXXX at XXXX XXXX  From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I will send it soon. I p my get paid on the XX/XX/XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " foreign operationscbn '' <XXXX> wrote : Dear XXXX XXXX XXXX XXXX , We are still waiting to receive the fee from you as you promised. 

Sent : Thursday, XX/XX/XXXX at XXXX XXXX  From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I will when I get the money I don't have this now XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " XXXX XXXX '' <XXXX> wrote : Dear XXXX XXXX XXXX XXXX , Here is your draft.Could you please send the fee {$180.00} to us by Money Gram only in this Name : XXXX XXXX XXXX. 
After payment, send the money gram control number to me to enable my secretary go for the collection from money gram office here.On receipt of the fee, the original copy of your draft will be send to you by courier service. 
Yours Sincerely, XXXX XXXX. 


Inline image I am not able to raise anything just take the fee from the fund you are so desperately wanting to send to me XXXX XXXX XXXX XXXX Show quoted text
company nameed " dynamic recovery solutions '' in XXXX, sc keeps calling and mailing saying to recover a debt that i dont owe. does not show on any of my credit reports. 

customer service number : XXXX
XX/XX/XXXX sent written dispute to XXXX to dispute charges for {$15000.00}. of unknown dept. XXXX  created file # XXXX and it says they are working on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Filed to XXXX by Genesis Credit,  LLC opened XX/XX/XXXX. 
Not sure how to reach them or what this debt is, but I know I do not owe anybody $ XXXX Then there is a charge for {$990.00} on XXXX also filed as a collection account opened on XX/XX/XXXX from XXXX XXXX in XXXX, MN in the XXXX  division which I repeatedly asked them as long as insurance would pay for the treatments then I would continue going. But they did n't do a good job in accounting and they told me I was covered on several appointments that the insurance refused to pay, because I signed a form that I was ultimately responsible for the payments at the beginning of therapy they thought they could just bill me the {$990.00}, which I refused to pay on principal and would be happy to go to court so the next person does n't get the same line of XXXX the asked if insurance would cover the procedures.
I received from the Bank of America a XXXX card that I did not ask for and did not want. Went to the Bank office here in XXXX Ca. where I asked for an explanation and what I got was insistence that I should keep the card regardless if I wanted it or not. The argument lasted over half houer because the XXXX put me on the phone talking to someone that also insisted that I keep the card, I was getting very aggravated when finally he had the nerve to ask me if I had other accounts with other banks, I responded that it was none of his business.
I monitor my credit every month, and noticed a Debt added on to my credit that does not belong to me. 
Collection Agency : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Date on my collection Report : XXXX XXXX, XXXX Amount of debt : {$600.00} Date of Service :?? 
Provider of Service : XXXX XXXX Hospital I asked them to give me proof that I owe this debt, a itemized bill, my signature on it, something from the hospital, they never sent me anything. I sent them a HIPAA violation letter, they ignored it and reposted it to my credit bureaus, XXXX and XXXX as valid. 
I have written letters to each credit bureau stating its not mine, and they updated saying verified by creditor, yet no one has showed me anything, as this was not me.I was even out of the country when this bill supposedly took place!!! 
this debt is not valid as i have NEVER BEEN TO THIS HOSPITAL EVER. 
I called Debt recovery, they were very rude to me on the phone.
Interactions with XXXX : XXXX/XXXX/XXXX - I received notice that my forbearance was ending under the Standard Repayment Plan, and I saw that I qualified for the Revised Pay As You Earn plan ( REPAYE ) and filed documents to certify for the plan. 
XXXX/XXXX/XXXX - I was notified by XXXX that I would be asked to make a {$5.00} payment under the Standard plan to switch to REPAYE, and the instructions said to simply pay the amount when the bill was due by XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX - I paid the {$5.00} required to switch to REPAYE. 
XXXX/XXXX/XXXX - XXXX sent me a denial letter, saying I did n't qualify for REPAYE because I did n't make the payment on time. Keep in mind that this letter was sent BEFORE the due date of the payment ( XXXX/XXXX/XXXX ). 
XXXX/XXXX/XXXX - Called XXXX to clarify ; a representative stated that the rejection " should n't have happened '' and she stated that she would open the application to be re-processed for REPAYE. She stated that someone must have denied me despite them having record of me made the required payment to switch. 
XXXX/XXXX/XXXX - Received a letter of disclosure from XXXX stating that I am in repayment under the Standard Repayment Plan, not REPAYE. 
XXXX/XXXX/XXXX - Called XXXX, spoke to XXXX XXXX # XXXX ), and he noted that my application still had n't been processed to switch to REPAYE, but it was " open. '' Meanwhile, I have a payment under the Standard plan due in XXXX ( more than I can afford ; the REPAYE plan allows for lower payments ). XXXX stated that he would need to put me in forbearance again to avoid having to make the payment in a few weeks, and stated that he put me in forbearance for just XXXX month and that the application " should be processed '' before XXXX 's payment date. 

It is unacceptable that processing applications for repayment plans takes this long and are rejected for false reasons XXXX lack of payment when payment was clearly provided ). I was hoping to make my first payment under REPAYE in XXXX, but I 'm still not even on the plan yet with no set time guarantees for when it will be processed. No representative has been able to give me a set time for when the REPAYE application will be fully processed, except that they hope it 's going to be " before XXXX. '' Meanwhile, my interest continues to accrue due to shady business practices by XXXX.
To whom it may concern ... 
My name is XXXX I 'm the XXXX of my mother 's estate XXXX she past on XX/XX/2016. Before she past,, sHe was telling me about the house, she had a year left on it ... after she pass I paid XXXX on the mortgage to CitiMortgage ~ Citibank sent me a summary of previous balance {$4300.00} I call them back trying to see if they lower the payment cause I 'm XXXX I 'm on a fixed income XXXX $ a month,, they begin to tell me we ca n't talk to you because you not on the account, ,I hired a lawyer to make me the XXXX of the account when I got that finished l call back and they were telling me my mother owes {$28000.00} house they sent me a letter XX/XX/XXXX about affordable modification program " XXXX '' I call when I got the letter trying to get some understanding and I spoke with XXXX he was very difficult I said I 'll call you back I called the next day which was Wednesday of this week they told me somebody or call you Friday morning XXXX call me this morning and he was once again difficult I could n't get no understanding about modifying my loan I asked him could you please switch me to another worker or his supervisor he was trying to get me in a argument with him so we not no understanding I would n't do it so he hung up on me When she first got the house we came over to look at it an congratulate her,, she was explaining to me that she had XXXX years on the house they wanted XXXX in XX/XX/XXXX at XXXX a month next year will be 20 years XXXX times XXXX XXXX. And some change now they are saying the payment is XXXX month an she got the house in XX/XX/XXXX I have the deed it says XX/XX/XXXX my mother she did n't handle business lik that ... dealing with those guys have been a headache XXXX ... they 're trying to take advantage of me and the situation I would appreciate some help or advice to get to the bottom of this..
I deposited a settlement check that I received from my lawyer, I deposited it into my account and it was being held for 12 days. But the lady told me to call customer service to see about moving it faster, to which I was transferred to the fraud department, who advised me that they could not verify my check, they could not call the other bank, they could not call my lawyer, they could not call the settlement company and they could not call the check verification company all because there was not a call in verification number in there system. And now they are threatening to close my account to end ties.
Office of XXXX XXXX contacted me on XX/XX/2019 and threaded to send XXXX county to my home. Agent on the phone abusive and threatening. XXXX Is the call back number given.
XXXX I had to file a personal bankruptcy ( due XXXX bankruptcy filing ). Bank of America ( BOA ) listed my personal home mortgage as a charge off on my credit reports. ( Only XXXX credit cards used for my business were included in the bankruptcy filing. ) Twice I contacted the BOA credit department who informed me that I had never missed a payment, nor had I ever been late on a payment and that the credit report would be changed to remove the charge off. Both times subsequent credit cheks revealed the charge off had not been removed. Another BOA department informed me that I had not signed a letter of reaffirmation within 30 days of my bankruptcy filing. Neither BOA or my attorney informed me that this was required or might be required. BOA said the reaffirmation signing was a company policy, not a law, and still refused to remove the charge off from my credit reports. I have always maintained a pristine credit rating my entire life and find their policy to be extremely unfair.
My name is XXXX XXXX XXXX and I was getting prepared to purchase a home. The lender pulled my credit report and Experian has someone else 's information on my credit report. I have disputed the items including accounts, names, and addresses and some have been removed but some items are still listed. They are listing several open student loans when there should only be one open student loan that I consolidated. The remaining loans are the other person 's as well. This upsets me because I am very credit worthy and this is n't fair. Experian is the only credit reporting agency that has this incorrect information. I am sending pages of my credit report showing the incorrect accounts that I disputed with them and have yet to be removed. As of today 's date they are still reporting. The most frustrating part is I had to send them proof of my identity and they still did not confirm the information. The other person has the same first name but NOT last name. Also I believe the other person 's social may be very close to mine but that is no excuse for Experian not to be thorough in their investigation.
We had a lease with Hyundai Motor Finance ( HMF ) for a XXXX XXXX, due to mature on XXXX XXXX, XXXX. On XXXX XXXX, XXXX we received an e-mail from HMF with an offer to have the last XXXX payments waived if we sign the lease for a new Hyundai. I triple checked the fine print and I saw that we were fully qualified. The program was supposed to end on XXXX XXXX, XXXX. We signed a new lease for a XXXX XXXX on XXXX XXXX, XXXX. In XXXX XXXX I got a letter from HMF stating that we owe them the 3 payments remaining from the XXXX, for a total of {$910.00}. ( So, even if I leased a new Huyndai, they asked payments for the old one ). Since then I called HMF 6 times. In  XXXX, XXXX ( from HMF ) stated that the program ended on XXXX XXXX and that is not their fault that I did n't know and that I still owe them the money. I did n't receive any e-mail with such information, nor the dealers told me anything when I signed the new lease. On the other hand, they told me that everything will be fine. On XXXX I spoke with a person named XXXX from HMF End-lease and she stated that if the dealership will ask them for an exception, then it will be approved and everything will be fine because the whole situation is absurd. It was n't, I do n't know if the dealer called or not, but on XXXX I saw late fees on my account. I called back on XXXX and this time XXXX promised me that she will personally escalate the situation and that she will call me back in 2-3 hours with a resolution. She also stated that there is no record from the dealership about any exception. 
I am attaching the original e-mail with Pull-ahead program AND the conversation I have with the general manager from the dealership ( it seems that when I signed the lease on XXXX, they were fully aware that the program was modified and that it had an early ending, but they did n't let us know ).
In XX/XX/XXXX we purchased a timeshare with XXXX XXXX in XXXX FL. In XX/XX/XXXXXXXX XXXX of XXXX transferred our property to XXXX XXXX in XXXX FL. We did not want that property. We did a quick claim deed with XXXX XXXX in XXXX, FL and we did not own this property any longer. XXXX was also involved in this matter - they house points and maintenance for the properties involved. XXXX was sent a copy of the quick-claim did from XXXX XXXX at the time it was entered into files at the courthouse, so that dues and maintenance monthly payments were stopped. After numerous calls to make sure that this was taken care of - I again sent it to them in XX/XX/XXXX. They state that this was not sufficient to stop the dues piling up and that I still owe dues on this property for the maintenance. When they contact me it is usually the same voice and he threatens me to take me to court and make my life a living XXXX. He has said I was trash and he would make sure that this never falls off of my credit. I have tried to explain to him the whole story and he states that they have the quick claim deed but that does not matter to him. 
I need help getting this removed from my credit ... I have nothing else bad on my credit and there is no explaining to XXXX. I do not owe any dues - I do not own the property. 
We followed the steps we were told to do.