WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I had 2 deposits of XXXX deposited into my account from XXXX XXXX. One of the deposits was received at XXXX and the other was received at XXXX. At the time I checked my online banking I had a balance of XXXX dollars and some change both transactions of XXXX were pending on my online account as of XX/XX/XXXX. Those deposits paid for pending transactions of XXXX dollars for XXXX and XXXX for XXXX that was going to post by XXXX on XX/XX/XXXX. I made a payment of XXXX to XXXX XXXX and deposited XXXX cash into the atm to cover that bill tgat will post on XX/XX/XXXX. Everything was on point so I would n't receive any overdraft fees. On XX/XX/XXXX i checked my online account I see that I am overdrawn by XXXX dollars and some change. I looked at my account online to see how can that be with all the deposits I made. I noticed that pnc bank was only showing one deposit of XXXX when it was showing two on XX/XX/XXXX. I called the bank XXXX number and was told there was nothing she can do because she only see one deposit pending. Yesterday it was two I had all bills covered without anything showing negative so what happened to the other deposit of XXXX that was pending also .I have another check coming in on theXX/XX/XXXX for XXXX that is going to bounce because I 'm overdrawn cause somehow pnc claims they do n't see the other deposit of XXXX. More fees will be added for some glitch on pnc end. I called XXXX XXXX they sent me confirmation that both deposits of XXXX were sent to my account on XX/XX/XXXX. I went to the bank and made a complaint because pnc claim it 's not on there end but I have transaction numbers from XXXX XXXX that show there wad two deposits. The complaint number is XXXX for pnc bank that was put in by XXXX XXXX at the XXXX branch XXXX XXXX XXXX XXXX. I do not have extra money to clear up the fees that were added because of your error of my deposits.
My identity was recently stolen. The fraudsters have attempted to open a number of credit accounts with retail establishments such as XXXX, XXXX, XXXX, XXXX, etc.
My vehicle was repossessed in XX/XX/2015 in the state of Georgia by santander. I received no certified "right to recover" notice within 10 days of repossession. I was never notified of sale, or a chance to purchase the vehicle, which is required in the state of Georgia. I contacted Santander and they offered no solution
Hello, My issue is with my Capital One Credit card. They reported me as a payment Late for the month XX/XX/XXXX and XX/XX/XXXX. The problem is that I set up automatic Payments back XX/XX/XXXX, on the mobile app. This was confirmed on my Moblie device. Keep in mind this credit card balance was {$380.00}, and I've never been late. So come XX/XX/XXXX, I get an alert saying My credit report had some changes. So check it, and find out XXXX XXXX had reported two months late. So I dispute this with all Credit bureaus and received the month of XX/XX/XXXX removed as a late payment. They will not remove XX/XX/XXXX, which is part of the same dispute. The investigation that XXXX  XXXX launched hasn't been fair and they continue to report wrong information to the credit bureaus. The customer service rep confirmed my story and assured me cap one would fix this, but nothing has happened
I have no idea why there is a {$10.00} fee on my Compass credit card. It is incorrect. I have called and emailed the company many times to fix it and change my credit report to never late. I take pride in my great credit and BBVA is messing it up. I have tried many time to call and speak to a person at the company and have been left on hold for hours. I can not believe it is one of the biggest banks in the world and is unable to be reached. I am very upset and plan to take this to the highest levels.
XX/XX/XXXX, I was contacted by SpotLoan about {$800.00} dollar loan. I verbally said yes. In haste I did n't understand how high the interest was. 

The percentage on repaying is 228 %. Sine XX/XX/XXXX, I have paid the {$800.00}. But now I will be paying {$40000.00} until XX/XX/XXXX. 

I receive XXXX in the amount of {$1200.00} per month. I receive SNAP in the amount of {$16.00}. My rent {$560.00} per which includes some electric and cable. 

As of XX/XX/XXXX I a paying the high interest, which I can not pay. Due to the low amount of food stamps, I used part of my XXXX, for food, medicine, and supplies. 

Plainly, I can not afford to pay {$400.00} until XX/XX/XXXX! 

Can you please help me?? .y Controller of Maryland told me to contact your group.
My mortgage company is reporting false information to the credit bureaus -- -my XXXX 's payment was flagged as being delinquent, this is incorrect. I 'm submitting documents to prove my case.
I received a letter from LTD Financial services in XX/XX/2018 regarding a debt that I do not recall and I responded with a letter requesting validation. I never received any information from the company. I received another collection letter today offering several payment plans, still no validation of the debt. I am now sending them another letter with a copy of my XXXX letter to inform them that I have reached out to report them. I reached out to FTC and it brought me here for this complaint. I have attached both letters I have sent and the letter I received today from the LTD for reference.
I apply for XXXX credit card, because it was said that I can do a balance transfer at 0.00 % and no transfer fee. When I call the XXXX after had received the card they told me that I will be having a fee of 3 % for balance transfer. I feel that was a shame that gave me the illusion to same my problem and be able to reduce my high interest in the other credit card that I already have. I will like to pay off my credit card and start fresh. I thought that if I will transfer to XXXX maybe in one year o so I will be able to pay off my credit card.
I stupidly agreed to pay the amount of {$170.00} a month for 6 months with Portfolio and once had to make payment 3 days after due date. When I called, I was told that my agreement was now null and void and had to pay FULL amount throughout XXXX. I asked for Debt verification letter and company still tried to charge me the {$170.00} which caused my bank account to overdraft. I called company and was told to speak to the legal department, which I did. The woman told me to email her supervisor with proof of overdraft and they would reimburse me. I did XXXX times and still have yet to hear anything or receive and reimbursement. I have not received debt verification letter either. I believe this company is committing fraud and until proven otherwise will continue to fight for my hard earned money. I am a victim of identity theft due to being a federal employee so I have no idea what these hackers had access to.
Ability Recovery Services is negatively reporting on my credit profile. This account was included in a bankruptcy ( with the original creditor ). This account was illegally placed in collection AFTER everything was paid in full ( XX/XX/XXXX2016 ). This reporting tactic is demonstrating financial harm and presents legal grounds for suit.
XXXX XXXX sold debt to XXXX XXXX/XXXX XXXX who was paid XX/XX/2018. XXXX XXXX is still reporting an outstanding balance which is impacting our attempt to obtain a mortgage. Equifax and XXXX will not update our credit report with the document we received matching the credit account in question showing there is no longer a balance. We attempted to outreach XXXX XXXX to obtain a letter as that is what the credit bureaus are requesting and XXXX XXXX refused to provide a letter or update the credit bureau information when speaking with them XX/XX/18. We have paid this debt, and find it extremely unfair they are reporting a past due balance. XXXX XXXX is claiming since they sold the debt, they are not obligated to update the information. However, that debt is paid so its technically NOT outstanding if they sold it, as selling it means they received a payment from the collector, and we paid the new debt owner. Therefore, all parties received money. I am not disputing the payment pattern that showed there are late payments with XXXX XXXX, solely that they are reporting an outstanding balance.
I have received late fees on my account due to my auto loan company ( Flagship Credit ) not processing payments in a timely manner. I have mailed my payments TWO WEEKS before the due date and it takes them four weeks and sometimes longer to post the payment to my account. 

Also, I applied for a two month deferment and was told via phone it was approved and I could skip a months payment, so I did not not make a payment. Come to find out the deferment was not approved and they reported to my credit report LATE payments, I have called and called and finally I received an agent that saw what happened and went ahead and approved a two month deferment but she told me she could not correct the reporting to the credit bureaus. 

I have perfect credit with NO LATES or non-payments. I have now gone from a 100 % on time pay to a 97 % on time pay with the credit bureaus and I want the finance company to remove the late from my credit report as this is their error and not mine, I pay my bills on time. I also want the late fees removed from my billing as well, I should not have to pay late fees due to they untimely payment postings. 

I now call in my payment on its due date and have to pay a processing fee that they charge to ensure my payment is received on time which I should not have to do! They should be able to process a mail payment in a timely matter and not wait 4 - 5 weeks to post a payment every month.
I order a new XXXX XXXX XXXX  card over the phone. and was not given a tracking numbers. so I may track and locate my new XXXX XXXX XXXX card. I asked twice to different times over the phone.
It 's not so much a mortgage complaint, it 's an alleged home equity loan that my now deceased mother n law took out in 2003. The bank ( HSBC ) claims she took out this alleged loan for XXXX and they can not show us any proof of the loan. 

We have ask for all types of documents that support this claim and no one ca n't produce any documents. This has been thrown out of court XXXX times and now they are trying to foreclose and take our home. Please help us!
Disputed with the company on XX/XX/2018 and again on XX/XX/18 in regards to the inaccurate information reporting on my consumer report. It is now XX/XX/2018 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.
I was offered a no interest balance transfer if paid off within 18 months as long as I made a minimum payment towards that balance transfer each month. I continued to use the card as usual for other regular purchases. Despite the fact that I regularly paid the outstanding balance in FULL and more than the required minimum payment, I was still charged interest on an unknown amount and Wells Fargo was either unwilling or unable to tell me exactly how or why they calculated the interest fees - I called twice to inquire about this issue and was not given satisfactory answers at either time. Finally, I was told that the only way to avoid interest fees was to pay the entire balance in FULL immediately. This feels like a bait and switch since I was never able to gain the benefit of the no interest offer that was made. This has happened for several billing cycles thus far.
XXXX and Experian are refusing to delete information on my credit report that is clearly dismissed through the court I feel these companies have completely lost the reason they exist which is to CORRECTLY REPORT what they are told .... I feel these 2 companies are more focused on cronyism vs professionalism and I need clarification as to what exactly these companies are and should do as far as Transparency XXXX : is a FRAUDULENT company that has ZERO INTEGRITY and refuse to provide the services to consumers that is deemed worthy EXPERIAN : is another company I have PAID MONTHLY for their services of which they have not provided BUYER BEWARE DO NOT SUBCRIBE TO EXPERIAN FOR ANY OF THEIR SERVICES
Based on information and belief, I have continued to request for validation and the alleged debt. I have, and continue to request for validation but to no avail. I never received any communication from Attorney XXXX XXXX XXXX. I did not make the charges that they allege, she did not submit a copy of the contract with the complaint.
I tried multiple times with the company to discuss I did not receive a form by mail for need to renew annual renewal application for Income based repayment plans in 2017. Navient did not inform me that if I did not renew annual form I would be charged capital interest. Also, customer service told me " not to worry your loans will be forgiven in 20 years '' as an answer when I asked why I was not told initially. Furthermore, I was told " you can not do anything about it because it is the federal government who added the capital ''. I do not understand why I was talking to Navient if they state to have no control over interest. Clear communication is lacking with Navient and they did not disclose to me clearly the consequences and expected interest. I do not feel like I was given honest options just costly ones. And, I was not once told I needed to consolidate my student loans to qualify my payments for future forgiveness after a set number of payments. I read this online after I felt lied to and cheated by Navient.
Pennymac loan services refuses to relase me from escrow so I can pay my taxes and insurance on my own. The reason I am requesting this is because they are asking for a {$500.00} a month increase in the escrow payment and my taxes nor my insurance has gone up??
I made a transfer from an overseas account-XXXX pensions-into my New York based account at J.P. Morgan Chase on XXXX XXXX XXXX of XXXX Euros. There was a digit wrong on the account number. XXXX and I both informed Chase of the error that same week. XXXX days after the transfer was made. Chase maintained for several weeks that the money never arrived into the mistaken account and they had no idea where the money was. This despite several Swift recalls on the part of XXXX. When Chase finally declared the money was in fact, in the incorrect account most of the money had been taken out. Chase said they had no recourse and returned to me in XXXX only XXXX USD of my money and then finally gave XXXX USD saying that was all the money that was left. 

Chase has refused to put anything in writing about this incident. They were informed nearly immediately about the mistake and did nothing to correct it in a timely manner.
This company has been contacting my family, friends and even neighbors. Today when I called and again had asked for written verification of the debt I was told to go to the website and look it up. I informed XXXX XXXX that I was in class and then going to the XXXX and did not have access to the internet. I again asked for written verification and was told NO. I then asked him for his address so I could send a written request and was told he was not giving me his address. I then told him I wanted him to stop calling all XXXX parties and to call my cell or home phone. He then said I was blocking his calls, but then in the same breath said he always reached my voicemail ( and not once has he left a message ). I again gave him my home phone and told him I was in class everyday till XXXX and then off to the XXXX from XXXX till XXXX. He then proceeded to yell at me and ask me about my financial situation and why could I not pay my bills. I said this was none of his business and again to stop calling and discussing my debt with others and he just laughed at me. I then said I was going to file a complaint against him and his office and he just laughed and said you know how many times a day I hear that lady. Go right ahead you dont scare me. I just asked again for the address he again said NO and I just hung up.
Rash Curtis is harassing me everyday with calls from several different phone numbers ( XXXX ). I filed for bankruptcy and had a hearing to discharge my debts -- medical bills and credit cards -- on XXXX XXXX and my lawyer said I should expect to get my discharge by XXXX 2016. 

All of my creditors should know by now that I filed for bankruptcy but Rash Curtis is continuing to harass me.
Hello, Pinnacle indicated that they have purchased this collection note from another agency. I have requested verification of the debt from Pinnacle and they have failed to provide any verification, or direct contact name and phone number of who can verify the collection information. 

Pinnacle continues to report this to consumer bureaus in error and also note that the disputes have been resolved, which they have not.
I was contacted by, Capital One, by telephone, about suspicious activity on my a credit card in XXXX 2016. There were XXXX charges for {$110.00}, at different locations, on XXXX XXXX, 2016. I had destroyed the credit card months earlier as I was planning on cancelling the account after all automatic charges transferred to another Capital One card. The card had not been used online for nearly a year. In XXXX an annual magazine subscription was charged for {$49.00} on XXXX XXXX, 2016, which is valid and I paid for that. Shortly after that, XXXX XXXX, 2016, is when the fraudulent charges of {$110.00}, XXXX times, occurred. I was told by Capital One that I would not be responsible for fraudulent charges. When I telehoned them afterwards, more than a few times, I was told that I would not be responsible for the charges. On XXXX/XXXX/16, I received a notice that I had been reported to XXXX for failure to pay. I have left three phone messages to the fraud agent, XXXX, with no return call. I did receive a letter dated XXXX/XXXX/2016, but received sometime later than that from the fraud department saying that the investigation was resolved. But the fraudulent charges, and now late charges and interest are accumulating on the fraudulent charges. I have a second Capital One credit card that I have been using since I stopped using the credit card that has the fraudulent charges on that I always pay off each month. It appears, to me, that someone got the credit card number from the magazine subscription charge for {$49.00} in XXXX and either sold the number or used it online to make the XXXX purchases for {$110.00}, on the same day, at three different locations. I 've done everything I can, including sending a letter to the fraud department of Capital One. Please help.
I am complaining and providing extensive evidence that Equifax is incompetent as a repository of records and that evidence shows personal financial damage to me, that equifax automated computers do not function and that equifax can not do basic functions as required by FCRA and other laws.

I disputed XXXX XXXX XXXX ; ACCOUNT NO XXXX  for the incalculable many times. ( confirmation # XXXX ) I am providing two previous dispute results XX/XX/2018 confirmation noXXXX and XX/XX/2018 confirmation number XXXX.

BOTH OF THE RESULTS LIST THE ACCOUNT NUMBER AND SAY THAT THIS ACCOUNT IS NOT ON MY REPORT WHEN IT IS.
Before I left out of the country for an extended amount of time I went down to Wells Fargo branch office to discuss my credit card payment while I was gone. I talked to a clerk and explained that I would be out of the country for well over a month. I paid a double payment to insure I would not miss any payments while I was out of the country. The clerk also informed me to download the Wells Fargo online banking app to help keep track of my account. I downloaded the app checked the day before I left and according to Wells Fargo there was " no payment scheduled ''. Upon returning home I had a letter in the mail waiting on me from Wells Fargo entailing how I have missed a payment on my credit card and it was reported on my credit score. I immediately called Wells Fargo to discuss the issue. I was told that a payment was scheduled while I was away and the failure to pay was my fault. I asked why my double payment was n't handled like I was told it should have been. Wells Fargo proceeded to tell me that 's not their policy and they did nothing wrong. After two weeks on several phone calls with numerous supervisors I have been told yes Wells Fargo made an error by the clerk telling me payment was n't due until after my return date. They also informed me that they are not willing to help correct their mistake. I went to the bank informed them of my situation before it was an issue, I also made extra payments trying to prevent this situation. I have been treated no better than a criminal by Wells Fargo and am just looking for a meeting half way. I have paid all late fees and talked to every department trying to resolve this.
I called GM FINANCIAL on XXXX/XXXX/16 requesting a 60 day deferrment. I was advised all I needed to pay was {$200.00} and I would not have a payment due till XXXX/XXXX/2016. The deferrment would cover XXXX and XXXX payment. I provided the checking account information for the funds to come out on the XXXX. During this time I had XXXX which required a hospital stay and a long recovery period. I noticed that as of today XXXX/XXXX/16 the funds never came out for the {$200.00}, and also noticed I was receiving a barrage of phone calls and emails. I called GM back and was advised by a representative that they had the wrong checking account information and therefore the deferrment did not go through. I advised the representative that I wasnt notified and that any negative reporting should be null and void and I shouldnt be past due. Please look into this and see what happened to the call I made on XXXX and why the deferrment didnt go through.
I suffered severe financial damages as a result of my deposits being held by Wells Fargo. I deposited a check on XX/XX/XXXX but Wells Fargo held the entire amount of the check ( {$6000.00} ) until XX/XX/XXXX indicating that my check was not endorsed. My financial obligations suffered adverse credibility because my check deposit was inordinately held. No advance payment was made to me on depositing the check. 
Many of my scheduled payments from my account with XXXX XXXX XXXX were returned and I had to pay several overdraft charges because Wells Fargo held my money. My utility charges, auto payments, and mortgage payments became delinquent and I believe my credit score was also adversely affected. I had many interest charges for late payments including late registration and a late fee for my child 's school. My family suffered serious deprivation as I was not able to meet my obligations to my sons and wife during the crisis caused by Wells Fargo. 
I have never had a check declined and I knew this check was valid and authentic but I was not given an opportunity to prove this. Regarding my inability to endorse the check, I requested the bank to call me to any branch in XXXX to verify that the check was deposited by me but my request was declined and Wells Fargo did not take any steps to mitigate my financial hardships until their predetermined date to release my funds. The company did not take any action to meet my requests for verification or return my check. I feel I was treated like a fraudulent person without an opportunity for a hearing. Wells Fargo simply predetermined when they wished to release my fund and held it until they so desired to release it without any regard to the hardships I was going through. 

One of the customer representatives had indicated that Wells Fargo would call the bank issuing the check for verification and availability of the money on the XX/XX/XXXX and the funds made available to me after an overnight processing on the XX/XX/XXXX but this did not happen. My checks with the bank that issued the check revealed that Wells Fargo did not contact them as of the XX/XX/XXXX to ascertain the authenticity of the check or availability of the money for payment of the check