WillisBack/dataset-financial-user-claim huggingface dataset:
Good morning, I took a cash advance in XXXX of {$85.00} -- US dollars -- on XXXX XXXX, XXXX. 
I knew there is a cash advance fee and that interest would accrue starting XXXX XXXX So when I received my XXXX XXXX, XXXX USAA XXXX statement which covers charges in XXXX, I expected both the cash advance fee ( {$2.00} ) posted on XXXX XXXX and the interest charge of {$0.00} which was posted on XXXX XXXX. 
I paid the full amount due of {$2800.00} for the XXXX XXXX statement ( which was due XXXX XXXX ) early -- XXXX XXXX. This is confirmed on my e-bill pay account. USAA acknowledged receiving this on XXXX XXXX as well. 
So far I understand and accept the charges HOWEVER, I was still charged interest on my cash advance of XXXX XXXX on the XXXX XXXX statement ( which covers XXXX charges ). The interest charge -- posted XXXX XXXX -- is trivial ( XXXX cents ), but the question is why am I still paying interest on the XXXX XXXX cash advance since that was paid off on time XXXX XXXX. ( See above ). 
I spoke with a USAA representative who was very nice and explained that interest accrues until the amount due on my XXXX card is XXXX. 
So even though I paid the entire amount of {$2800.00} due for the XXXX XXXX statement on XXXX XXXX, I am still charged interest on a cash advance I have paid off. WHY? 
The agent said this policy is on the XXXX agreement that I received when I requested the card I can not find such an explanation. 
The dollars involved in my case are trivial. But others unknowingly are paying interest on cash advances that are much larger. I doubt they have a contract explaining why. This is not transparent, and not fair. 
Thank you for reviewing this issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX XXXX
IVE BEEN DISPUTING A FEW ACCTS IN MY REPORT THAT ARE IDENTITY THEFT ACCTS AND ADDRESSES AND THESE ADDRESSES AND ACCTS ARE STILL ON MY CREDIT REPORT IVE PROVIDED FTC AFFADAVIT, IDENTITY THEFT REPORT FROM POLICE DEPT. AND XXXX LETTER FORM XXXX TO BLOCK ALL NEGATIVE REPORTING FROM REPORT BUT ITEMS ARE STILL ON MY REPORT PENALIZING ME WHICH IS VERY UNFAIR TO ANY CONSUMER GOING THROUGH A IDENTITY THEFT CASE. XXXX XXXX TOLD CRA IT WAS ME BUT NOONE HAS SENT ME ANY DOCUMENTS PROVING THEIR CLAIM ITS BEEN 4 MOS NOW AND STILL NO DOCUMENTS I EVEN HAVE FRAUD ADDRESSES I CANT GET REMOVED FROM MY CREDIT DUE TO CREDITOR SAYING ITS ME BUT AGAIN IVE RECIEVED NO DOCUMENTATION PROVING THESE ITEMS ARE MINE .IVE PROVIDED ALL MY DOCUMENTATION STATING ITS NOT ME BUT AND IM STILL GETTING SAME RESULTS FROM CREDITOR AND THEYVE DONE NOTHING BY LAW TO PROVE OTHERWISE WHICH IS UNFAIR TO ME AS A CONSUMER ... XXXX SAME OUTCOME XXXX XXXX XXXX XXXX SAME OUTCOME AND NONE OF THESE ITEMS HAVE BEEN VALIDATED TO BE DEEMED AS MINE BY FCRA
I and my wife obtained a loan for my 2015 XXXX XXXX, of course our credit was not great so I began to search for a better rate after six months. Well when you go to a car dealership the sales men tell you they need to have a report, then they do n't worry it will only be viewed as XXXX hit on your credit ... not true I ended up with as much as XXXX from XXXX dealer ; I went to XXXX dealers and ended up with at least XXXX hits. I called the Bureau and pleaded my case and of course they said the dealer was wrong could not change it, who is wrong in this instance, can there something be put in place so that the consumer can stop this after XXXX hit on the credit. Also they the dealers sell you a car based on what the banks maximum amount is without any negotiation fro the buyer to see if they want to pay that amount. this system is predatory and should be stopped. most consumers with a XXXX and below pay more for goods and services- not fair, please advise.
My complaint is that i owe XXXX XXXX money from a loan that i refinanced. I was late on a payment and they contacted me and i explained .the reason for me being late .i ask if i could work something out with them about the payments. A lady named XXXX said yea sure i just need to get a full payment now. I said thats the problem i cant pay a full payment now. So i told her i will try my best to pay it by friday. She called me friday and ask if i was going to pay. I told her i still cant pay full amount. She got rude and told me i owe the money so pay it. The following monday they contacted my employer asking to speak to me. Concerning a debt. I owe. I was brought in to the office embarrassed. And was ask to contact XXXX XXXX about my debt. And was told not to let a debt collocter call about my finances. Ive tryed to work this out with them cause i do owe the money but they shouldn't use low embarrassing tactics to get me to pay them.
After several failed attempts trying to save our home it was sold on XXXX/XXXX/16 beginning in XXXX 2016. We contacted Caliber Home Loans and explained our situation at which point we begin the process of " loss mitigation with Caliber Home Loans. We were also advised by Caliber Home Loans to contact " Keep your home California '' which we did as well. We were notified at the end of XXXX that " keep your home California '' approved us for financial help and that a packet was being sent to Caliber Home Loans. XXXX XXXX we were notified by " Keep your home California '' that Caliber Home loans ( who referred us ) rejected the assistance that was being offed from " Keep your home California '' on the basis " Your loan servicer ( Caliber Home Loans ) has not approved your loan for participation in the Keep your home California program. 
Caliber Home Loans has not once offered any alternative to foreclosure. We have reached out to Caliber several times and requested assistance however none was ever offered. As a former customer of Calibers I 'm embarrassed and horrified by Caliber 's treatment of a customer who has done everything to try and keep our home. I was laid off XXXX XXXX 2016 and have been looking for work and trying to save our ( My wife and XXXX children ) home. 
I will be sending this along with the offer to assist letter from " Keep your home California '' that was denied by Caliber home loans, to anyone that is willing to listen. Councilman, Congressmen, Representatives, Federal Trade Commission & media outlets. I want my situation to help others unlike Caliber Home Loans. I have also included the approval letter from Keep your home California dated XXXX XXXX 2016, were assistance was denied by Caliber Home Loans.
My name is on a account that is my ex girlfriends account, i stopped receiving the bill and even called on this issue and could not get it resolved due to the fact it is under her name. This put a negative XXXX on my credit score and i would like to resolve this NOW.
Several times I have communicated with XXXX XXXX, Experian and XXXX to notify a mortgage account that does not belong me. The account reported in my credit is XXXX XXXX XXXX XXXX * XXXX. This account I try to fix this problem and sending the evidence that I found in XXXX XXXX county clerk. Even with the evidence XXXX XXXX, Experian and XXXX do not answer to the investigation as the law required. I want that they present the evidence that they have or otherwise this account must be erased of my credit report immediately.
I tried several times to purchase a sofa from XXXX XXXX but could not get customer service to handle my problems properly. When I did successfully purchase a sofa it came with the wrong fabric and flawed pillows. I returned it. A representative gave me a discount towards another sofa but I still had problem with getting accurate information from customer service and inadvertently lost my discount and had to pay an addition {$500.00} for my purchase.

They kept giving me just a little information at a time. I thought they knew how things worked and would provide me accurate information to complete my order. For the same sofa I was billed for 22 yards of fabric then 29 yards which came to more than {$300.00} additional dollars. Each time I called to discuss my purchased the solution was cancel the order, but I lost my 30 % discount had to pay the shipping cost. They would not honor it on my new order which was the solution given to address the problem I was having. If they had let me know the most of the fabric would cost over {$1000.00} I would have kept the order which I got the same sofa with the same fabric less 30 % discount and discount on shipping cost. Instead of paying {$2400.00} I am charged {$3100.00}. I want my discounts returned to me.
I have attempted to dispute information with Experian regarding what is on my credit report. I was told I was unable to dispute the balance on my report for my car loan and I would have to contact the lender for corrections. I indicated the other agencies have the correct balances and she said she still could not contact the creditor. I also told her I wanted to dispute the fact that my student loans are deferred and she said they are going to list open until they are paid off. I told her it appears that I have more accounts open than I actually do. I also wanted to dispute that charged off accounts purchased by other firms or transferred do not indicate that and it looks like I have XXXX negative accounts when in fact it is only XXXX. She said I do not know why your copy does not indicate transferred but it shows transferred on her computer. I thought what the consumer received was supposed to show accurate information and whatever was not accurate should be corrected. Experian appears to do anything and everything to avoid interaction with consumers. It is extremely difficult to speak to someone and then when you actually speak to someone they act as though they can not do anything for you. They offer an online dispute process ; however, they do not provide a means to actually submit an online dispute. I obtained my credit report and wanted to submit an online dispute but was not provided with the necessary confirmation # on my report to file an online dispute. So not being allowed to file an online dispute I had to call and do it over the phone ; however, everything I attempted to dispute was argued that it was not disputable. None of this is professional or appropriate when credit bureaus control every aspect of the lives of consumers.
I own a small business and made a purchase with a manufacturer in XXXX. I made the payment through Western Union and the funds were deposited into the Bank of XXXX, the recipient 's companies bank account. Since the funds were released I have not heard from the company and or their representative. Communication was done via email. I sent several emails with no response. I was purchasing ditial pictures frames and memory cards with plastic case.
I have an old private loan with my XXXX University. From the account information on the loan sent to me by the University, it shows that it sent to the Credit Agency, Experian and XXXX, that the loan had been reported as paid off on XX/XX/XXXX. However, my Experian Credit Report shows this loan being in collection ( Negative Remarks ) in XX/XX/XXXX and XX/XX/XXXX. This is after 4 years of ND ( No Data being reported on the loan ) reporting since it has been closed. I have tried XXXX disputes and they refuse to remove this negative reporting from my account in the months on XX/XX/XXXX and XX/XX/XXXX, even though the document shows they University reported to the Credit Agencies that the loan was paid off XX/XX/XXXX.
I am robo-called an average of 6-8 times a day from Navient. In one month, from XXXX XXXX to XXXX. XXXX. I was called 112 times. I have spoken to this company several times about my debts. They have been unwilling to accept any terms. They have called me before XXXX. I have at least one saved message from before XXXX. Several times I get a call every hour. Occasionally, these calls will also occur within minutes of each other. One example is I was called ar XXXX XXXX, then again at XXXX XXXX. I want the excessive harassment to stop.
My father and his XXXX children ( I am one of them ) needed to remove his name/cash in 4 CD 's. The process of cashing in these CD 's at  this location was long with no cooperation what so ever by the bank president or staff. The only alternative allowed us was to cash in CD 's outhside of the 10 day grace period therefore subject to penalties. These CD 's had been in this location for 28/29 years. The penalties charged were 3 % of face value on 3 CD 's with 12 month renewal and 1 % of face value on 1 CD with a 6 month renewal PLUS a {$25.00} per CD fee. The fees taken ranged from {$100.00} to {$670.00}. Also, the rate of interest receiving on these CD 's ranged from .08 % to .15 % which in our views should/is their current rate of interest since they were auto renews. Our calculations show that of the 28 years these CD 's were invested in this bank - their penalty fees took 19-20 years of interest away from the CD holders. This is outrageous. We currently worked with 4 banks and this bank was the only one that very obviously screwed its customers with their outrageous penalty fees and lack of customer service. Keeping in mind this bank was using these funds for 28/29 years at a much higher interest rate than .15 % and they now are taking away 20 years of interest income at a ridiculously low interest rate.
I asked Citi Bank executive response unit to delete their inquiry off my XXXX credit report because I wanted a business credit card not a personal credit card & they used my social instead of my EIN. XXXX XXXX XXXX.
On XXXX XXXX, 2016, I went to the Bank of America in XXXX XXXX XXXX XXXX, MA XXXX US to cash a check that I received from Tuition reimbursement from employer, the cashier ask me if I have a account with BOFA I said no and he proceed ask me to put my finger into a ink and put into to the check and a XXXX dollar fee was going to be charge. 

I did all the procedure he asked and he grabs the phone on the wall and called the manager to look my check. 

Here is the worst part started the Manage, XXXX XXXX, Assistant Vice President, Financial Center Manager. 

He also had my Government ID in his possession and declined to cash my check. 
He also told me that he was going to call the company from the check and I told him that was fine if he want to call and he went inside and come less then 1 min he never call the company and looked in the computer again and decline for no reason to check my check. 

I proceed ask the Manager if he can explain me why his not going to cash my check and he said he can not change the check and can not give any reason. 

When I told him that I was going to file sue on the Bank him he told me to leave the bank and not come back to cash my check again. 

This is not the first time I have problem with Bank Of America I had similar experience couple year ago and never come and said anything, so this time will be different I will publish in all social media this discrimination. 

I was with my XXXX daughter with me and she started cry in the bank with his arrogant attitude and screaming on us to leave the bank. 


One thing I am sure that my check has fund and he discriminated me and my daughter at the Bank of America in XXXX XXXX XXXX XXXX, MA XXXX. 

He does not give me any reason why he could not check my check and I am planning to sue this Bank for Discrimination.
On XXXX XXXX 2015 my wife and I visited a local Wells Fargo Branch location to establish a joint account. The visit lasted about an hour, and past the bank hours. During this time our banker left with our debit cards for some time to " check with a manager ''. The following business day ( Monday XXXX XXXX ), my account experienced several fraudulent charges. That evening my wife 's card also experienced fraudulent charges ( of a suspicious nature ). This leads us to believe that our cards had been compromised in conjunction. Due to travel and work in the last month - our visit to the Wells Fargo was the only time our cards were used at the same time and at the same place. Additionally, on the afternoon of Monday the XXXX, the day I reported the fraudulent transactions ( after business hours ) - I received a strange phone call from the exact banker who accessed our cards. The tone of the call was strange - it was apologetic - but unexplained as to " what she was apologizing for ''. Additionally my wife 's card was used to send money overseas to an XXXX XXXX - whose name is coincidentally similar to our banker 's name. I have reported this to both the XXXX Police Department as well as to Wells Fargo - but at this time no actions seem to have been taken.
BPO was completed on property that we are working on a short sale on - the lender 's BPO came back extremely over valued so we completed a value dispute. Our value dispute is attached as XXXX and " Seller Report.pdf '' I have also attached the e-mail chain to the manager XXXX XXXX, I 've been trying to get him to respond since XXXX XXXX and I 've sent XXXX e-mails without a response at this time. The last response we got was on XXXX XXXX where we were told that they disagreed with our value dispute and would only offer a deed in lieu because of the condition of the property. 

The condition of the property would be irrelevant if we already have a buyer for the property who is willing to accept the condition of the property. The BPO was proven to be inaccurate and incomplete per our value dispute but they will not adjust the value. They have told us that even though the BPO was " incorrect '' that does not effect the value of the BPO - which just ca n't be true based on our dispute.
I 'm currently dealing with issues between " XXXX of XXXX '' XXXX XXXX and " merchants and medical '' of XXXX. In a nut shell I received phone call on XXXX XXXX to pick up items left by a dumpster or I ' would be fined. Later in XX/XX/XXXX, while receiving no fine via letter or phone call from storplace, I received a phone call from m & m in attempt to collect. I explained what was going on to them ( m & m ), the guy whose name I do n't remember, said I undestand. That was the last I 've heard of it until I apply for my first mortgage loan. I found out the fine was turned over for collection on XXXX XXXX ( 8 days after phone call from storplace warning ). I just want this cleared from my prior pristine credit history as it is unfair and not ethical. Also the fine amount indicated by storplace via m & m is not mentioned in the contract. I have requested copies of my lease agreement from storplace, they said I would have to get it and all information from merchants and medical.
I have disputed knowledge of this account for over 2 years. Each time this account reports it reports as verified meets FCRA requirements however no debt validation has ever been sent to me to verify this account. I hold no legal contract wi th Focused Recovery Solution and under Hippa Laws my medical information is protected from 3rd party agencies. I have never consented or given any past or current medical providers permission to release my medical information to any 3rd party agencies.
I have a debt collection for an account that I am not responsible for. It appeared on my XXXX and Experian credit file last year. I disputed, and the debt collection was removed from both. The same debt was sold to another company in XXXX and was placed back on my credit file with XXXX. The name of the company was XXXX XXXX and collection. I disputed this again and XXXX removed the collection on XXXX/XXXX/15. Today experian reported the exact same debt but now with a different company. The account reads as followed : Company : XXXX XXXX XXXX Account # : N/ABalance Amount : XXXXStatus : The original debt is from XXXX XXXX XXXX. The debt has been disputed and every time it has been removed due to the debt not being true. I have disputed this debt a total of XXXX time with different debt collectors that buy the collection. I was never notified by the debt collection agency but rather found out by checking my credit. Can we please address this collection as it is becoming a nuisance everytime its sold to another debt collection agency.
This Credit Reporting Agencies information on the credit report for XXXX XXXX XXXX is incorrect and I demand be corrected immediately! 
Re : [ XXXX ] Greetings : I am the Owner, Authorized Representative, and Attorney-In-Fact, for the legal fiction XXXX XXXX XXXX ; said legal fiction being organized under the following organizational ID numbers [ XXXX ] ; and indemnified under the U.S. TREASURY ACCOUNT [ XXXX ] ; by the operation of House Joint Resolution 192 of the United States Congress, passed in Congress assembled on XX/XX/1933. 

It has been represented to me that you are holding debt in the name of XXXX XXXX XXXX. You are hereby given official NOTICE that the legal fiction entity XXXX XXXX XXXX is my secured private property, and all accounts thereof are accepted for value, pre-paid, and exempt from levy, and held for me by the filing of XXXX Financing Statement No. XXXX XXXX, through the State of XXXX. 
Adverse information bearing your organization 's name has appeared recently on the credit report for XXXX XXXX XXXX ; issued by Trans Union. 
In the event that you wish to continue attempts to report false invalidated, and unverified information causing further injury to agency XXXX XXXX XXXX, I will be obliged to report your Agency to the appropriate authorities. Please provide Me with a sworn affidavit in validation of the alleged debt. Please also provide me with the name and address of the real party of interest. 

In the event this debt is not validated within 30 days, I expect that all adverse information will be withdrawn from the credit records of XXXX XXXX XXXX immediately. In the event such adverse information is not withdrawn, I will accept your refusal as willful intent to slander the credit of XXXX XXXX XXXX, and take appropriate action under the Fair Debt Collection Practices Act and the Truth in Lending Act, based on your bad faith efforts to defraud me. ATTACHED IS CERTIFIED COPY UCC 11 FROM THE SECRETARY OF STATE XXXX THAT THERE ARE NO LIENS FOR XXXX XXXX XXXX.
I have been getting constant calls at my place of employment by this company which had resulted in disciplinary action from my boss. They continue to call my workplace after my boss asked them repeatedly to stop. They have threatened my boss and coworkers with legal action if they did not relay messages to me about a debt.
XXXX, Experian and XXXX continues to report XXXX XXXX account # XXXX as derogatory. This account is part of a XXXX bankruptcy ( XXXX ). 

***Negative reporting on a XXXX debt is a violation of the permanent injunction of my bankruptcy discharge. XXXX XXXX, Experian and XXXX is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Experian, XXXX and XXXX. 

I am requesting that XXXX, XXXX and Experian to CEASE and DESIST their negative reporting of XXXX XXXX account.
My employer releseased my paycheck funds to XXXX ( the bank that services my prepaid Rushcard ) on XXXX/XXXX/15. Actual paydate for is is XXXX/XXXX/15. It is now XX/XX/2015 and Rushcard has not posted my paycheck. They wo n't return my emails and when I call the XXXX customer service number, they place me on hold and then it rings twice and they hang up. I live paycheck to paycheck and I am facing eviction if I do n't get my paycheck.