WillisBack/dataset-financial-user-claim huggingface dataset:
I apply for XXXX loan from Cassle Payday I was informed that there would be a XXXX finance charge. Paid off the three in monthly payment. After I made two then I was told that my total payments over XXXX. 
I told I had agreed to a total of XXXXnot XXXX I would have never agreed to anything like that. 
Two I receive a call some saying that Cassel Payday have change their name XXXX XXXX Loans.
On XX/XX/2018, my automated payment of {$220.00} was inappropriately allocated toward only two ( 2 ) of my seven ( 7   ) total Federal loans. {$92.00} was allocated toward loan # 2  ; {$130.00} was allocated toward loan # 4 ; No payment was allocated to the remaining 5 loans ( {$0.00} ). I did not request that payment be allocated differently, the Servicer simply misallocated the funds.
I purchased a vehicle or so i thought on XX/XX/XXXX and signed all the papers and after taking the car home and driving it for 5 weeks i get a message saying the contract got returned due to missing paperwork to which i had been in contact with the dealership and also XXXX XXXX who was funding my deal ... so needless to say i went in to try and get my deposit back and was told by XXXX XXXX that per XXXX XXXX the car needed to be returned by XXXX XXXX or they were reporting it stolen .I gave the dealership a check for and additional XXXX dollars and they said they can hold it for 3 weeks well after a week and a half they put that check through and made me almost XXXX dollars negative due to all the XXXX dollar fees for overdraft ... .So then today XX/XX/XXXX i got a text from one of the managers named XXXX XXXX and it said I talked to XXXX she said because they didnt charge me restocking fees or mileage which they could have that they refunded my full XXXX dollar deposit that they would not refund the additional fees ..oh also the Finance guy named XXXX had the nerve to say to me its not my fault your credit is XXXX XXXX ... ... ....
I 'VE BEEN GETTING A LOT OF STRANGE JUNK MAIL LATELY, PREAPPROVALS FOR HOME EQUITY LINES OF CREDIT WHEN I DONT OWN A HOME. I HAVE BEEN GETTING AN EXTREMELY HIGH NUMBER OF CREDIT AND LOAN OFFERS AS WELL. THIS WEEKEND I DECIDED TO TRY AN IDENTITY PROTECTION SERVICE, XXXX. I SIGNED IN AND WAS SHOCKED TO DISCOVER THAT MY SOCIAL SECURITY NUMBER HAS BEEN CROSSED WITH SOMEONE ELSES. I HAVE AN ALIAS AND THEIR NAME IS NOT EVEN CLOSE TO MINE. I FOUND COUNTLESS ENTRIES ON MY EXPERIAN CREDIT REPORT THAT ARE N'T MINE. REVOLVING LINES OF CREDIT, MORTGAGES, LOANS, NAMES AND ADDRESSES I HAVE NEVER USED BEFORE AND PLACES I 'VE NEVER LIVED. SOME OF THIS INFORMATION CROSSED OVER ON TO MY XXXX XXXX REPORT AND XXXX REPORT AS WELL. I ALREADY CONTACTED EXPERIAN AND THEY ARE IN PROCESS OF REMOVING XXXX ACCOUNTS AND XXXX PAST ADDRESSES FROM MY REPORT. I HAVE BEEN AT THIS ALL DAY AND I AM SIMPLY EXHAUSTED. I AM UNABLE TO GET THROUGH TO XXXX BECAUSE THEY ARE CLOSED ON THE WEEKEND. I 'M TOO TIRED TO CONTACT XXXX XXXX TODAY. ODDLY ENOUGH, I RECENTLY DECIDED TO PURCHASE A HANDGUN. WELL, I ATTEMPTED TO PURCHASE ONE. I WAS UNEXPECTEDLY DENIED THE PURCHASE BY THE INSTANT CHECK SYSTEM. I COULD N'T FIGURE OUT WHY OR WHAT HAPPENED. MAYBE THIS HAS SOMETHING TO DO WITH IT. I HAVE NO IDEA HOW TO FIX THIS PROBLEM AND I CERTAINLY DID N'T CAUSE IT. I ALSO HAVE NO IDEA EXACTLY HOW DEEPLY COMBINED THIS DATA XXXX UP IS.
My father passed away on XXXX XXXX, he did n't have much when he died but had a couple of small accounts, including an IRA with Bank of America - we have been trying to close out that account and collect the small amount of money for XXXX months. We 've supplied a copy of his Will, letters of testamentary, Small Estate Affidavit, and death certificates, still to no avail, I even sent a letter to their President/CEO. We have gotten the same standard reject letter XXXX times, saying they need legal documents, we call and they need XXXX item filled out on a form. Then the next reject letter comes, and repeat, XXXX times. My in-laws are worth a lot of money and have pulled their money from this bank, horrible customer service, horrible procedures, just a horrible bank!
A " law office '' contacted me saying they were going to seize my property ( I do n't own property ) pay Wachovia. I have not had an account since 2009 with Wachovia/Wells Fargo. The statue of limitations should be close, and I dont own them money. the law office said they would see me in court then hung the phone up
I have been trying to work with BOA for over 2 years on how they charge me fees, they continue change me fees when funds are in the account but when I a transaction comes in saying pending they go ahead and change fee if balance is low even if the transactions has not posted to the account so far I am up to XXXX in fees over the last to months, because I have a small business I cant close the account is up until my contact is up with government, When you speak with some manager they say they 're not to charge a fee until it post to the account, they change/post fees then post the payment putting you overdrawn prior to payment posting something needs to be done its XXXX seeing your money go to fees when you have funds in your account to cover some of these payments. 
I glad this is not my only bank.
I have a mortgage with BBVA Compass Bank. My insurance agent regularly bills Compass Bank at the end of each year. Compass Bank is then to pay out of my escrow funds. On XX/XX/2016, Compass Bank debited {$1000.00} for my insurance policy for the XX/XX/2016 year. They then claimed that they did not have evidence of my insurance. They then debited {$630.00} for their own insurance on XX/XX/2016 despite having records of the existing insurance. After resubmitting proof of this double charge, Compass Bank only refunded my account {$200.00} of the {$630.00} they charged for duplicate insurance. 
I have tried to contact them only to be hung up on through their automated answering service.
XXXX/XXXX/2015 I put in for a loan modification with Bank of America back in XXXX 2015. I was six months behind on my mortgage. BOA came back said I was n't eligible for modification but they would put the loans payments that I was behind in the rear and extend my loan. Bank of America put me on a XXXX three-month trial mortgage payment of {$950.00} that I completed on time. I received the permanent modification paperwork and fax it back XXXX XXXX 2015 conveniently enough for them they did n't receive it so I refaxed it XXXX XXXX 2015 my case manager said do n't worry about it that would be fine. I received a letter on XXXX XXXX stating they did not receive my signed agreement and that I was denied for the modification and now I needed to start an appeal. Even though my case manager told me she had the signed copy in my file. I been getting the runaround they ca n't seem to find my paperwork I faxed at least XXXX times. I asked my case manager when would my second mortgage be looked at for a modification she told me she 'd start that day and asked me to fax a copy of my paycheck which I did XXXX times because they said they did n't get it. I soon received a letter saying I was denied for my second mortgage modification because I did n't make enough money, my salary is over {$50000.00} a year. I told my case manager that did n't make sense I thought this program was to help people that could n't make their payments. Now my case manager will not return my phone calls every number I call to BOA it sends me back to my case manager she 's never there, she does n't return my phone calls. I tried calling her supervisor he does n't call me back I 'm at my wits end I do n't know what to do. I called the housing assistance Corp they are the ones that helped me with modification in the beginning and she told me to put in a complaint with you, all I 'm looking for the little help to save my home. I see the balance on my mortgage getting bigger and bigger with the fees and the late charges please help. 
Thank you, XXXX XXXX/XXXX/15 Before completing this letter I received a letter today from BOA stating that my appeal has been denied. They stated that I was denied because they were unable to review my loan modification appeal because it did not satisfy the requirements for the appeal set forth the evaluation letter for example it may have been received after the deadline for an appeal or it may not have contained each of the required documents for the appeal. This makes absolutely no sense to me.
It is XXXX saying I owe them XXXX for cable tv in XXXX Illinois .I never lived in XXXX I never been to XXXX and I do n't know anybody in XXXX
Round Point Mortgage keeps charging us the wrong amount for our town taxes, they are stating the town is at fault. Our local town clerk has all of the documentation they have send the correct tax information year over year. They raised our mortgage said we where not paying enough into our escrow account, then said we are paying to much lowered our mortgage and gave us an escrow refund check, now again they are saying we under payed and have raised our monthly payment over {$300.00} a month. They also stated our PMI was falling off in XXXX now they are telling us XXXX even thought they have documentation our the previous customer service person stating it should be falling off in XXXX. Our mortgage this year went from XXXX to XXXX which we can not afford to pay they offered to spread out the shortage over 24 months to help lower the payment. My concern is whats going to happen next year? They overcharged us thousands for taxes one year even though the town mill rate proved we would not need to pay that much in tax, will they falsely raise our taxes again next year? We will no longer be able to afford our mortgage. With the increase this year we can barely make payments already. what are our options we need help. 

thank you XXXX XXXX
Amex violated XXXX I applied for an American Express because I saw an offer for obtaining XXXX bonus points for signing up for an American Express card. I was approved for the card, but only receive XXXX points. I contacted Amex customer service soon after my account showed only XXXX points and told them that I had a screen shot of the offer that I clicked to apply for the card. I sent the screen shot to Amex and they opened a case for me. I waited about one month and did not get any updates or status on the complaint. I contacted Amex through their live chat option and was told the case was closed. I asked them why and they did not provide a reason other than the offer I clicked on was for XXXX bonus points. I explained to this rep that I sent proof of the offer. The rep then stated that she would have the case re-opened for review and that someone would get back to me. Again, no one contacted me, so I contacted Amex through live chat. Basically, the customer service reps on live chat do not provide me a reason why I did not get the XXXX points even after I sent proof of the screen shot of the Amex offer that awarded XXXX. 

I thought Amex had a reputation for great customer service. What I learned from this experience is that Amex uses a bait and switch tactic to entice customer to apply for their cards to get a certain number of bonus points and do not actually provide those points. How can a mega-company like Amex get away with this? I 've read online that Amex as been cutting costs, especially the customer service area, but they have cut costs to business practices online to avoid following the federal unfair, deceptive and abusive acts an practices. Please help. [ note that I 'm assuming that the XXXX points that Amex deceitfully withheld from me is worth about {$200.00} ]
CREDIT COLLECTION SERVI( #XXXX ( XXXX XXXX XXXX XXXX, MA XXXX, (XXXX) XXXX) Placed for collection: XX/XX/XXXX Balance: $XXXX Pay Status: >In Collection< Responsibility: Individual Account Date Updated: XX/XX/XXXX
Account Type: Open Account Original Amount: $XXXX Loan Type: COLLECTION AGENCY/ ATTORNEY Original Creditor: XXXX XXXX XXXX XXXX
(Insurance) Past Due: >$XXXX< Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX.
I submitted the dismissal with prejudice letter to all XXXX bureaus, and was told that XXXX XXXX XXXX still could legally report even though I am not liable for the debt.
Ally bank advertises that they do not charge any fees for the international incoming wire transfer. Since Ally bank does not have a XXXX code, Ally bank uses XXXX XXXX XXXX as an intermediary bank. 

I was told from the Ally bank customer service that if the fund is in US dollars, 'Ally bank and the intermediary bank ' will not charge any fees. What is quoted is 'no fee from Ally and XXXX '. However, the intermediary bank charged me {$22.00}. I first contacted Ally, and got a reply to contact the intermediary bank ( XXXX ). I contacted XXXX, then I was informed that XXXX as an intermediary bank always charges the transfer fee. I contacted Ally again, complaining that they provided the wrong, misleading information. However, they maintain that because the fee occurred in the third party, they can not reimburse the fee. 

I am very disappointed that 1. the bank provided the wrong information 2. They refuse to reimburse because it is happened by a third party. Ally bank should take responsibility for providing the wrong information and the loss of the customer from the wrong information.
I made a purchase on XXXX. Before making the purchase I contacted XXXX and I asked clarifying questions about the item I was purchasing. I won the auction on XX/XX/XXXX and I receive the items I was expecting. paying the listed price of {$39.00} dollars. I received the item in a reasonable amount of time. I was contacted by XXXX XXXX on XX/XX/XXXX, telling me that they shipped me the wrong item and that I need to ship it back or they were gong to charge my credit card for {$300.00} dollars. I felt like I received the correct item, and I no longer own the item to ship back. I offered multiple mutually beneficial options for us to resolve this issue. They were not interested in a resolution that was reasonable. They turned an amount of {$250.00} dollars over to IC Systems, a collection agency out of XXXX XXXX, MN. I feel like this is a ridiculous situation and an abuse of the debt collection process. I never agree to pay more than the listed amount in the XXXX auction. What is keeping XXXX from continuing to do this to other people. This feels like a textbook bait and switch some how. I just want to know what my rights and obligations are in this situation.
On XX/XX/2018 I received an alert from my bank regarding a collection in the amount of {$460.00} reported on all three credit reports. The amount shows as open on XX/XX/18. This is bogus information. There is missing information and different information for the same account on all three. The company has since added another name on one of my reports after I complained due to bogus and missing information.
On XX/XX/XXXX, I found out for the first time that my credit report from Transunion had report of serious delinquency regarding a XXXX  XXXX credit card with numbers starting with : XXXX. 
When I called XXXX phone number, XXXX which appears on that entry, I was told to call Monday to Friday. 
I called back on Monday XX/XX/XXXX at XXXX and I was transferred to XXXX credit department . I informed the lady that answered that I just discovered that there is a wrong entry of " serious delinquency '' in my Transunion credit report, an account that I never opened or used and that it has been harming my credit since XXXX until now! I have been affected by this account causing me to always obtain higher interest rates and being denied of my applications. I never knew why until XX/XX/XXXX. I asked her to tell me information regarding that account : who opened it? And, she she said that I was not a primary in that account. I asked what is the mailing address of that account? She kept lying saying that she has no further information on that account but that she would remove it form my record since I was not a primary. Furthermore, she kept repeating that it may not even be related to me at all, that it could have been wrongly placed on my account. I have a right to know what or who has harmed me financially all these years. When I confronted her saying that I do not believe she does not have further information, and that I have been a XXXX  customer with good standing payments for years, she accepted that she has more information but can not share it with me. I am very upset of all the financial harm this wrong entry has caused me all these years, and all she could say is " if you had called before when you found out, we would have removed it before ''. I said I just found out, I pay all my bills, why would I think there is something like that in my credit report? 

I have the right to find out more information on an account that has been damaging my credit report for almost 7 years. Please help me find out who was the owner of that account and what was the mailing address? 

Thank you, XXXX XXXX
Applied for loan XXXX XXXX with Rise Credit. I had used this service in the past but needed to change my bank account number for the funds to be deposited in. Spoke with a representative who told me to proceed with my application then immediately email a voided check so they could update my info. The next day funds were not deposited into my account. I called Cust. Svc. and the rep informed me the prior rep gave me incorrect information and I would need to cancel my previous application so they could change my bank info. I sent a cancellation request in writing XXXX XXXX as per their policy and they informed me the loan was cancelled, my bank info was changed and i could reapply within XXXX business days. XXXX XXXX I logged into the Rise website and it showed the previous loan attempt had been canceled. There was no mention or information showing they withdrew the {$310.00} from my bank account. I reapplied and funds were deposited to my bank XXXX XXXX in the amount of {$310.00}. Upon checking my bank account I noticed Rise withdrew {$310.00} on XXXX XXXX ( the amount of the previously canceled loan ). The only issue was they never deposited the original loan into my bank account. So now, I am missing {$310.00} from my bank account that was not Rise 's to withdraw. I spoke with a rep XXXX XXXX who was unable to help me and told me they do not show in their system that they made the withdrawal on XXXX, yet my bank statement shows otherwise. Due to their error I have now had returned transactions and have been penalized by my bank for insufficient fund charges. The rep on XXXX informed me they " had an issue ticket in the system '' but there is no guaranteed date of resolving my issue.
My mortgage was with Greentree Servicing and recently changed to Ditech Financial LLC I received a letter from the foreclosure attorney XXXX XXXX XXXX stating they were going to foreclose on my property XX/XX/XXXX the letter is dated XX/XX/XXXX and the sale is set for less than thirty days. I understand by Law I 'm suppose to a receive a 30 day notice before the sale was set. I submitted a modification request and financials to Green Tree Servicing several times they have been unwilling to work with me, and now I have a new mortgage company Dietech. I want to keep my house, please help me.
I purchased a Laptop from XXXX and at the time of purchase, XXXX had or still have financial options and Barclay visa card was the option so, I applied for the credit card, got approved but Barclay had a not interest if paid by certain date and now Barclay is charging me all the interest accrued from day one but, the balance from that particular purchase was way down and I feel Barclay should only charge interest for the remaining balance.
It is ridiculous that there are only XXXX ATM machines at this location yet XXXX of them is ALWAYS out of service & this location has a very large population of patrons therefore causing the lines to wrap around the street which is also dangerous as this area is very busy with traffic. I waited in line to use the ATM 30-45 minutes which is UNACCEPTABLE! Something must be done about this issue or I will take my business/money out of capital one bank & bank elsewhere. 

XXXX XXXX XXXX , NY
I sent money through Paypal on XX/XX/2018 at XXXX. Later that day they said they are reviewing it and could take 72hrs. Its now been 4 days and counting, nothing has been released, the {$13000.00} has been out of my account since XX/XX/XXXX and no one answers my emails nor do they have an answer as to why my money is not available to the recipient or at least refunding my money. 

I even had a PayPal concierge send me an email stating it would be released in XX/XX/XXXX by XXXX. That too never happened. 


They said email XXXX they will respond. Its been 4 days now and no once has at least acknowledged one of my 5 emails I have sent. 

PayPal Transaction ID : XXXX
I disputed this with you in XXXX 2015 Case number : XXXX. This debt is not mine but continues to remain on my credit reports. The company 's only response to my dispute through you was TEST. I have heard nothing and received nothing since.
I check my credit regularly with XXXX XXXX. I noticed this past time a new address is added that is not mine by Experian. I couldnt find their address to directly contact them. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX. But there is an address of XXXX XXXX XXXX, XXXX, Virginia added that is not mine. It belongs to my ex-husband, who I divorced in 2015. Also, unfortunate, there were some things that was put in the divorce creed that he alone was responsible for and transitunion would not remove my name despite having court documents to do so. If you can help with that please let me know and I can send the document.