WillisBack/dataset-financial-user-claim huggingface dataset:
I am a new home owner. My mortgage is {$830.00}, I Paid my mortgage through XX/XX/2017 in by XX/XX/2017. I signed into my mortgage account online and made a payment for XX/XX/2017 mortgage on XX/XX/2017, it cleared XX/XX/2017 through my bank. I thought that I was good for XX/XX/2017. After the XX/XX/XXXX mortagege cleared, they configured XX/XX/2017 payment which is {$910.00} and pulled it on XX/XX/XXXX instead of XX/XX/XXXX. They justified it by saying that I gave them autopay permission. So They will take that XX/XX/2017 payment 30 days early. They cleaned out my checking account and stated that if the check doesnt clear they will be resubmitting for the {$910.00}. Are you kidding me? I am not a time traveler, I havent lived in XX/XX/2017 yet so the bill is not due. I asked them why dont they take XX/XX/XXXX through XX/XX/XXXX in XX/XX/XXXX too? I dont owe them any money but they insist that they will present XX/XX/2017 mortgage again for payment if the funds dont clear. These people are vampires! They are monsters and they dont have any respect for the american consumer. I am a new home owner and I have been thinking ahead to stay current. I have never been late. 
I am a normal person and they took {$910.00} from my account on XX/XX/XXXX that was not due for 4 weeks a week after I paid them {$830.00} that they were due. They insist that they are correct for taking that XX/XX/XXXX payment 4 weeks early because I gave them autopay rights. {$1700.00} in one week. My budget is destroyed. How am I supposed to be responsible for my other bills when NationSTAR just took all of money plus the over draft?
On XXXX XXXX, XXXX I made a purchase for {$61.00}. XXXX at an XXXX XXXX XXXX store at the mall near my home in XXXX FL XXXX XXXX XXXX XXXX. The sales person asked if I wanted to open a XXXX Credit Card and I said that I did not because I travel a lot and have a hard time keeping up with small amounts on credit cards and instead preferred to put everything on my XXXX and auto pay through my bank. She persisted however and even misrepresented that if I opened the account I would still be able to apply the charge to XXXX card which turned out not to be the case. XXXX days later I paid {$32.00} towards the {$61.00} which gave me a balance of {$29.00}. I was then late with next month 's balance because I was traveling and received a late fee and minimum charge ( whatever that is ) they reversed the late fee but not the min fees although they did give me a credit of {$.00} on finance charges which I had not been charged which was a bit confusing. I paid the new balance of {$31.00} and somehow ended up with a balance due of {$.00}. So with a balance due of XXXX cents they continued to charge late fees and minimum charges and finance fees until I ended up with a balance of {$56.00}. Honestly, I had not given the account another thought because in my mind it had been paid because when they said they would reverse the last set of late fees ( that had been added to a XXXX cent balance ) I was unaware that they would only reverse XXXX cents of a XXXX dollar minimum fee charge. When I called to settle the confusion, they refused to do anything about it and threatened me with continued late fees and interest if I did n't pay it. I was angry and demanded they close my account and subsequently wrote a check for {$56.00} and mailed it along with a letter to the president of the company, XXXX XXXX XXXX explaining the abusiveness of his credit arm XXXX XXXX. I have n't received a response but did get another call from XXXX XXXX today from an abusive rep who announced that my new balance is {$89.00} XXXX keep in mind this is on a XXXX cent balance ) and kept putting words in my mouth like " I am noting that you refuse to resolve this ''. I am attaching the print out of my account activity in support of the way this account has been handled as well as the XXXX spreadsheet I did to show the current balance after each transaction. I have also include my letter to XXXX XXXX, president and CEO of XXXX XXXX. I do not know what the law is but it can not be in support of this kind of abuse towards consumers and I appeal to you for some kind of help in resolving this. I have an excellent credit standing and pay my bills but refuse to be a victim of such practices. Thank you in advance. Please do n't hesitate to contact me if there is anything else you might need from me. XXXX XXXX, XXXXXXXXXXXX, XXXX XXXX XXXX.
Hi my name is XXXX and I applied for a venture credit card through capital one, and I was declined for missing credit information. I had a security freeze on my credit file, I notified Capital One that I had a freeze on my credit files, I was told by capital one supervisor that I would need to remove freeze in order to be considered for venture credit card, that I know that I qualified for. XXXX XXXX, I contacted the major credit bureaus and had my credit file lifted/ freeze for 10 days, I was told by capital one supervisor to lift freeze for 10 days, after I lifted the freeze capital one still denied my application. I have researched capital one criteria for the venture card, and I know I qualify. Capital one only want to offer me credit cards with high interest rates with low credit limits, so they can continue to make money from me, this is very unfair as I have worked very hard to keep my credit excellence, but capital one failed to give me a fair chance, as I call this fraudulent on their part.
Hello. 

I have a Wells Fargo credit card and my friend, XXXX XXXX, walked into a Wells Fargo on XXXX XXXX, 2015, to pay {$5800.00} towards my credit card so that I would owe him and not Wells Fargo since my a.p.r will soon shoot up to 29 %. Whence XXXX XXXX went into the bank, he could have paid this amount a number of ways but the woman behind the counter recommended he write a check, which he did from his account with XXXX XXXX XXXX XXXX XXXX he also has an account with Wells Fargo, which will become relevant later ). 

This past weekend, on XXXX XXXX, 2015, I attempted to use the credit card only to have it decline ; I planned to use the card for late in XXXX to XXXX because I am a teacher and do not receive a paycheck -- anyhow, here we go : I call Wells Fargo on XXXX XXXX, 2015 only to hear XXXX people in, finally speaking to a supervisor who said that the funds were not applied to my account and would not be until the bank " felt comfortable '' doing so (?! ). I called back later and spoke to another XXXX people until I reached a supervisor. The second supervisor I spoke with said that the bank had a " right until they felt comfortable -- '' it became laughable ; what policy, ever, has sounded like this? I then said that I would contact the Attorney General 's office, that I needed the funds to apply to payments, such as my car that is in the shop. She then told me XXXX XXXX could fax proof of his check clearing from his account, which happened on XXXX XXXX, 2015. He faxed both his bank statement and copies of his cleared check the next day. I was told that if this did not happen, I would have to wait until XXXX XXXX if he did not fax this information (?! ). 

I was ready to pick up my car today and called Wells Fargo. XXXX XXXX and I are still on the phone, as we have been for hours today. They keep saying that they need authorization from his bank and from all parties involved before they post his money to the account. The woman we are now speaking to is saying that we need something on letterhead from his bank that states his name on his account and his balance before and after he applied his funds to my Wells Fargo credit card ; he will need to go to his bank, they say, to do all of this ; apparently, his generous help must be followed by a generous portion of his time to say that he is him ... self ... They need this because he is not " authorized '' to pay for my account. Wells Fargo has his money which has cleared from his account but are not applying said funds to my account and are now telling me that this will not happen for ten more days. Somewhere, in between all of this, we spoke with XXXX ( with an " A '' ) said that there were insufficient funds, which has been refuted by the woman we speaking with now. 

Today I received a letter in the mail in which Wells Fargo informs me that funds will not be applied to my account until XXXX XXXX, 2015. It also said that a check showing clearance from my friend would clear up the matter, which, as mentioned, he already faxed a week ago. 

This is unscrupulous and absurd. 

I hope to hear from you soon about to resolve this. 

XXXX XXXX
I began working for a XXXX hospital after graduating college in XX/XX/XXXX. I submitted my first employment certification form ( ECF ) in the summer of XX/XX/XXXX for the Public Service Loan Forgivement ( PSLF ). The ECF was approved, the qualifying payment count was appropriate, and my loans were transferred to XXXX XXXX. In the summer of XX/XX/XXXX, I submitted my second ECF at the recommendation of XXXX XXXX to submit an annual ECF. I received a determination on my XX/XX/XXXX ECF with what I believe to be an inaccurate qualifying payment count. I called XXXX XXXX at the end of XX/XX/XXXX and was told by a representative that a manual review would need to be performed which typically takes 3 months. Today ( XX/XX/XXXX ),  approximately 4 months after that initial call, I had yet to hear back on the results of the review. I called XXXX XXXX   for an update and new estimated time I could expect to receive a decision. I was told by the representative that she did see the request I submitted in XX/XX/XXXX, it was still under review, and at this time they do not provide an estimate of when the review will be complete because it could be more than a year. When I asked for clarification regarding the annual ECF and if this would at least be resolved when I submit an ECF in the summer of XX/XX/XXXX, she reported that annual ECF certifications are only reviewed for qualifying payments made from the last time an ECF was submitted despite having the same date of employment start listed for each ECF. Thus, this problem will continue to compound year after year with the expectation that I as the consumer may never hear back about my manual review.
On XX/XX/2018 we submitted a form to surrender our XXXX XXXX.

On XX/XX/2018 the vehicle was picked up.

On XX/XX/2018 the vehicle was sold for {$19000.00} leaving a balance of {$8000.00}.

On XX/XX/2018 we paid a payment of {$250.00} We cancelled gap and some other extras which brought the balance down further.

We made {$400.00} in payments XXXX & XXXX. we are currently set for 3 more months of {$200.00} payments. Towards the balance.

Today XXXX marked on our credit that this account is in charge-off and that weve failed to pay. Which from the above information WE HAVE NOT.

On XX/XX/XXXX the balance will be {$6800.00} as another payment is scheduled to draft from our account.
WIth these inquiries we had never came to terms and have no debt with the lenders, Had I known the terms submitted by the lender we would have never submitted a credit application, These are the following inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
I opened a free checking account through PNC 's virtual wallet program. A couple months later I was informed via E-mail that my account was overdrawn do to a calculated service charge. I have been charged now 3 times in the amount of {$7.00} per month. I never agreed to the terms of this fee or have been informed in any way. After researching the matter it is my understanding that my bank has the right to change its policies. To do so however, the account holder must be notified at least 30 days in writting of changes. I have recieved nothing.
XX/XX/XXXX I received a letter from Senior Vice President XXXX XXXX. Regarding my complaints that I had submitted to the Consumer Financial Protection Bureau ( CFPB ). I did speak with XXXX XXXX regarding my credit card issues and also my credit score. Like I stayed in my LAST complaint. I had spoken with XXXX regarding a small loan and also to consolidate all of my debt including credit card before it was closed to a charge off. I clearly told XXXX XXXX I wanted to go ahead and pay on my balance. The credit union knowingly knew I was a 10 month employee per the original contract. So during the months of XX/XX/XXXX and XX/XX/XXXX I am temporarily unemployed. I have spoken abt this issue more than once. XXXX XXXX may have put notations in the system for internal employees. But what Im addressing is the fact that she did NOT reply to none of my emails except for the email that I demanded her to respond. I also received a call yesterday regarding my car payment which I have never been late until recently after I had submitted a complaint to the CFPB. I made it very clear that I was a 10 month employee with the credit union. The credit union did not take a payment out for the month of XX/XX/XXXX. Which me being a 10 month employee Im not supposed to have a car payment for those two months. I have been In contact with the credit union constantly since XX/XX/XXXX. I spoke with them regarding my vehicle, credit card etc. I spoke with a branch employee earlier this month I was not notified until the XX/XX/XXXX that a payment wasnt made. So now all of a sudden they have that Im a 12 month employee which is not correct. Everything that has been done is retaliation for me complaining to CFPB. The State Employee Credit Union is saying its there procedures to close someones account when they have suffered a loss. But I have been in constant communication with the credit union I stated more than once I had no intentions of not trying to pay off my debt. I also stated that I wanted to consolidate all of my debt into one payment!! This was before my credit card was a charge off. They have been lying to cover there end. I will not stand to be bullied from this financial institution. I have all of the paper work to back up everything that I am saying. And also a witness who went to the credit union with me trying to consolidate all of my debt. XXXX XXXX and also the other branch workers has been very difficult to work with. I have hired a lawyer and I intend to fight this in court!
Vantage Sourcing claims I owe XXXX to XXXX XXXX, I have never been with XXXX and use XXXX currently and have been for quite sometime now. This is a ridiculously high amount even for a cell phone, I suspect the account is a family plan as the charge can not be for on line alone. I also believe that Vantage Sourcing has added on charges and or fees of their own as this amount is still too high for a family plan, I have never in my life had such a high utility bill even for gas, electric or cable. This is obviously fraud and someone used my name to open the account, possibly a relative. I have a cousin with the almost the same name, he goes by XXXX XXXX with no middle initial. My name is XXXX XXXX XXXX, the notice came in his name. I can not be for sure, however, I think he opened the account using my social security number. He might have done this as he may or may not have good enough credit to open an account.
Hello, On XX/XX/2018, I received a phone call while outside the company on a vacation with my family. The caller stated that he was calling from American Express and stated that we were referred to him by an individual to offer us business credit card for our business use. I was initially hesitant but agreed to proceed only if the card credit decision will be based solely on the business credit report. This was made very clear then I am asked for my social security number. I refused to give him my social security number and made it absolutely clear that I wouldn't continue when he asked for my SSN. 

I informed him that I don't want my credit to be used neither do I want to be personally linked to the credit decision. I informed him that I will not continue with process if my credit will be checked. He assured me that he can use only the business credit and then proceeded to ask for the business federal tax ID. I obliged and gave him the business information. I NEVER AGREED TO HAVE MY PERSONAL CREDIT CHECKED, INFACT, I REFUSED THAT REQUEST. To my surprise, I received a letter from American Express addressed personally to me stating that I was denied credit card because of my credit report. What! I called American Express and all they can say is that they will remove the point from my credit report. 

I am beyond furious for the invasion of privacy.
Sent Ad Astra a debt validation letter regarding the alleged debt. Agency responded by sending me a bill. A bill is NOT validation.
On XXXX XXXX I was notified by a debt collector 'Security Credit Services '' that I owed a debt to XXXX XXXX XXXX XXXX XXXX program for {$1200.00}. I stated to Security Credit Services that the debt was not right and that I will dispute the information. I sent Security Credit Services a letter informing them that I wanted to see all of the paper work for XXXX XXXX XXXX XXXX that shows the debt. I do not owe XXXX XXXX XXXX XXXX since the terms for them was that they would bill my credit card monthly starting in XXXX. XXXX XXXX XXXX XXXX continued to charge my credit card with the last payment being on XXXX XXXX. I did not tell XXXX XXXX XXXX XXXX to stop taking payments, nor did I cancel the contract. From my credit card statements XXXX XXXX XXXX XXXX received XXXX a month from me starting with the down payment in XXXX for a washer and dryer that cost a total {$1200.00} with tax. The next payment was made 2 weeks later then monthly after. The total amount that XXXX XXXX XXXX XXXX received by XXXX from my credit card was {$1900.00} If I owed more money I do not know why after the XXXX XXXX payment was made that two weeks later a credit collection company contacted me. Security Credit Services violated my rights when they reported this debt with the Credit Bureau with out proving the debt was valid.
The creditor told me they have a snap shot of my credit and it looks pretty good, that they 'd hate to damage it, then told me I had a bad attitude and he would n't speak to me and hung up.
I submitted a complaint against this lender. I am NOT in default of the loan. My due date is not until Friday XXXX. I am getting harassing emails stating that I am in default as my " last payment '' was not able to be processed. This is untrue. My last payment was XXXX and has cleared my bank account.
My credit report shows that co-guarantor on a loan from XXXX. This shows up on my credit report as a student loan. I reported this as an error through XXXX XXXX and the response back from XXXX was " It looks like this item is actually correct and that it 's going to stay on your credit report ''. I have not co-signed or guaranteed any student loan from XXXX and have requested a copy of the fully executed loan agreement with XXXX that bears my signature. This documentation has not been provided back to me because it does not exist. I demand that this be removed from my credit report! Please help.
I am writing in regards to how Citibank reported me as past due and did not even bother to contact me through any of their customer contact channels. I had to find out when my card was declined at a merchant. I opened this new account because Citibank hounded me to open an additional account as they took over the XXXX XXXX partnership. After 6 months of solicitations, I chose to do so and apply - and within 3 months they made an error and reported me past due. I am very frustrated as I have had a relationship with Citibank since 2000 and have NEVER been past due on any accounts. I am very concerned as this will impact my credit score and impact my ability to refinance my mortgage and apply for student loans for my children as they starting college soon.
On XX/XX/2018 I submitted a dispute in regards to a fraudulent account from Wells Fargo Bank I found on my credit report. When I identified the error, I went to my local police department filled a police report and was instructed to also file a report on Identity theft.gov. I filled the report on Identity theft.gov website and sent copies of those documents to experian. I opened a dispute on XX/XX/XXXX as well and within 45 days all fraudulent accounts were deleted. To my surprise on XX/XX/XXXX of this year my dispute results were updated online without written notice and the fraudulent Wells Fargo account was now displayed on my experian report. Not included in other two major reports who were also notified of the fraudulent account. I can no longer dispute this item on line and have zero help from customer service. I was under the belief that the creditor and reporting agency had 30 days to determine the validity and respond to the dispute not 6 months. I would like this negative item removed from my account.
This was started when I inquired to do a home-based business for {$99.00}, which was a joke. Then it lead to XXXX contacting us. XXXX said when we sign up with them, we would be getting calls from other people. We were slammed with a multitude of companies for several months and harassed to the point that we regretted signing up. XXXX told us that they would provide us with a successful XXXX business and a custom website. When in fact they have done nothing more than rip us off to the tune of {$13000.00}. 

XXXX XXXX and XXXX XXXX promised that we would receive the best training and support to have a successful online business. We participated in the " coaching '' and did everything we were told we needed to do and made little to no money through XXXX. 

When we got down to the " custom '' website instead of being built by your professionals and customized to our satisfaction as sold we found it was the complete opposite. We spent weeks trying to figure out the logistics on our own with little support doing most of the customizing on our own. By the time the site was built 8+ weeks later it was a complete disappointment given the time it took and effort required on our end. Had this been disclosed upfront we never would have paid them. The " marketing '' efforts done for my site as supplied by you were XXXX links and every XXXX link that we checked was bogus, e.g., blog was in XXXX, blogs made by non-existent people that used bad grammar, posts were found on blogs that had nothing to do with our business. When this was brought to their attention our site was moved from XXXX to XXXX and the $ XXXX month fee was dropped to $ XXXX.We could go on and on about the fact that they shared our information or a host of other issues but what it comes down to is that XXXX deceptively sold us a bogus online business opportunity and I am trying to dispute my charges made on my US Bank card since they did not provide the services that they made me believe that I paid for.
I took loan from Wells Fargo through XXXX XXXX XXXX. I bought the Furniture around {$4000.00} per Zero Interest rate for one year. I paid {$1700.00} for {$150.00} ( 11 Monthly payments ) and {$1500.00} total of {$3200.00}. I only have to paid {$770.00}. The problem is they charged me over {$1000.00} for interest rate on XX/XX/2018. I made my direct monthly payment through phone. But they misguide or mistakenly they made the minimum payments of {$150.00}. Now they charging me interest rate and I wasn't agreeing when I took the loan.