WillisBack/dataset-financial-user-claim huggingface dataset:
Wile we were in bankruptcy Wells Fargo listed on our credit report as delinquent with XXXX XXXX credit. We contacted XXXX XXXX and contested the report. The whole mortgage was removed because of bankruptcy protection against derogatory reports against our credit.We filed chapter XXXX and reaffirmed my mortgage with wells fargo.Upon completion of our bankruptcy wells fargo continues to refuse to list our mortgage on our XXXX  credit report. It has been more than 2 Years of multiple calls and letters to wells fargo to no avail.Even complaints to the presidents complaint department didnt help The other two credit bureaus report my mortgage no problem. Only XXXX XXXX who I have contacted and has said its  Wells Fargo Holding our Mortgage data and refuses to release it. This adversely affects our XXXX   credit score and affects our credit and ability to get credit PLEASE HELP! We don't know what else to do
De ar Sir and/or Madam : I h ave an auto loan with  Capital One  Auto Finance. My daughter was severely injured and was admitted to the hospital and under a doctor 's care for several days / weeks. I made a payment online to  Capital One Auto Finance, but unfortunately  in the confusion of everything going on, I inadvertently scheduled the payment late. Once I realized my error I called  Capital One Auto Finance and explained to them wh at I had done. I spoke to a customer service representative named "  XXXX  '' on   X/XX/17 .   XXXX  was very nice and explained to me that the payment would be fine and that I should n't worry about any " 30-day late '' on my credit report. I asked him if there was anything that I needed to do, and he said that everything was fine, to relax, and tend to my daughter. I was very grateful to him for his help and assuring nature.     I was obviously horribly shocked with  a 30-day  late showed up on my credit report, so I called  Capital One Auto Finance back. I spoke to another representative who admitted to being able to see al l the notes as described above. He very matter-of-factly indicated that he would not be able to remove th e 30-day l ate, and that the previous customer service represe ntative (   XXXX   ) ha s been fired. I found it very unprofessional that the new customer service representative would be so blunt and disclose this sensitive personnel information to me. Nevertheless, I asked what I could do. I tried to get him to understand that I had called in and was given erroneous information - he even verified everything that I was telling. No matter what I said, he simply told me that he could n't help remove the  30-day  late and if I " really wanted to '' I could appeal his decision, but that it " would n't help ''.     I am hopeful that reaching out to the CFPB will help me alleviate this concern. When a consumer calls for information on their account they rely on qualified professionals to give them accurate information. I followed what the customer service representative told me and did everything that he told me. All of these interactions were verified by the new customer service representative.
I contracted with XXXX XXXX, XXXX dba XXXX XXXX XXXX to bail me out of XXXX on XX/XX/2017. The contract was for {$5000.00}. I paid {$1700.00} down and agreed to pay the rest by monthly payments over several years. My complaint is that XXXX placed a collection on my credit reports this month ( AWA collections ) in the amount of {$3600.00} when they gave up their right to any and all monthly payments due by breaching our contract starting XX/XX/2017. I paid for a XXXX XXXX, but they failed to provide one when they refused to reinstate my bail after I was in the hospital. When I called XXXX ( XXXX, CA branch ) after leaving the hospital, they said they wanted more money to keep my XXXX XXXX   active which is illegal. I didn't get what I bargained for and therefore XXXX has no right to collect money they didn't earn, hence, XXXX is attempting to collect an invalid debt that I do not owe. In fact, they owe me my down payment of {$1700.00} and damages for being XXXX.
On XX/XX/2018 I paid my household bills. After I paid the bill I had a balance of {$340.00} in my account. The next morning I had a alert on my phone saying that my acct was in the negative. I looked at the transactions and realized that my payroll check had been deposited but there was also {$140.00} in fees from Suntrust. I called the bank and they said that it was a 2 hour delay in the time that my check was posted and the bills where paid. So that cost me XXXX dollars and nothing could be done about it. They said that they can see that it was only 2 hours but they have to charge the fees. My acct is in the negative {$24.00} dollars. But its in the negative because of the {$140.00} fees This is robbery. Its just not right and I want just let it go I work way to hard for my money.
I am XXXX XXXX military I was given a Barclaycard gold master card under the condition of 0 % APR and annual fee waiver. Recently they have told me they are going to no longer honor this condition. I asked Barclaycard if I would continued to receive this benefit in XXXX when they removed the annual fee waiver for new applicants, and they said I would. I have the concersafion with Barclaycard saying I would continue to receive these benefits.
Re : XXXX Case # XXXX Complaint of XXXX XXXX XXXX This matter involves Citizens Bank and their neglect, failure and refusal to honor the payment of a {$200.00} account opening bonus in accordance with the terms and conditions of a promotional checking account opening bonus offering of {$200.00}. 

Since the opening of said Checking account on XX/XX/2018, Complainant has comported with all terms and conditions of said promotional offer and said account has been and remains in good standing with Citizens Bank. 

Said promotional offer clearly set forth ... you will receive a {$200.00} bonus. Bonus will post to the checking account within 90 days after direct deposit has posted ... 

Complainants qualifying deposit was made on XX/XX/2018, as is reflected on the checking account statement attached hereto, yet to date, more than 90 days have passed and no such {$200.00} Bonus has been credited to Complainants account. 

It is Complainants position that Citizens Bank has perpetrated a fraud, in and of a breach of contract, upon the Complainants herein and should be made to rectify said breach of contract and be sanctioned according.
I had an account with PayPal ( PayPal XXXX, XXXX ) and Paypal processed a payment to my account from a buyer, who has purchased a watch from me. Transaction amount was {$5800.00}. I have mailed the item to the buyer 's billing address with XXXX tracked service. A buyer 's signature was obtained by XXXX at the time of delivery. The bank-issuer of the buyer 's credit card initiated an unauthorized transaction request. I have provided Paypal with all the requested records, which clearly shown that I have mailed the product to the buyer 's billing address and buyer has signed for the package and XXXX checked his government issued picture ID at delivery. Paypal reps confirmed that as a seller I HAVE SATISFIED all requirements for the involved transaction. PayPal reps also confirmed that the buyer 's bank HAS NOT provided any information regarding the case. BUT in about a month Paypal has withdrawn the funds ( {$5800.00} ) from my account without my consent and transferred it to the buyer 's bank. PayPal reps has provided the following explanation : - The buyer 's bank has hundreds of millions legal budget and I do n't. 
- The bank has to provide NO information on the transaction in question and PayPal would transfer money to the bank EVERY TIME the bank asks REGARDLESS of the evidences seller provides. They specifically stressed this would happen EVERY TIME. 

Unauthorized transactions happen, but responsibility and risk have to be shared between the seller/buyer and banks of the seller/buyer. For transactions such as mine - when item is shipped to the buyer 's billing address ( recorded and confirmed by the buyer 's bank ) with buyer 's signature and ID check on delivery - the responsibility has to be clearly on the buyer and buyer 's bank, and not on the seller. Otherwise, ANY buyer can use his credit card and order ANY item online without a need to pay for it, regardless of what evidence the seller provides and regardless what the seller does. 

This practice is very unfair to online sellers and very dangerous for the credit card industry. I expect Paypal to deliver the funds back to my account and let the buyer 's bank to deal with the buyer directly.
I signed up for Nationwide Biweekly Administiration 's program. The program was to reduce my interest payments, and the length of my loan by withdrawing half of my mtg payment twice a month, effectively making one additional payment a year to be applied to extra principle. Implicit in this arrangement is that this program is to be in effect for the duration of this loan, as the purpose is to reduce the length of the loan. My service was suspended in XX/XX/XXXX and has not resumed, false promises were made that the program would resume in XX/XX/XXXX. It is now XX/XX/XXXX. They have ceased ALL communications and will not answer my e-mail. When I call on the phone, I get a CSR parroting lines from a script. They have collected the full fee for their services and have not delivered. They have flat out said they will not refund anyone part of the fee. Now I find this article that a complaint has been filed against these crooks. I would like to add my name to the list of people who are due compensation from this crooked company.
Called Ditech about putting {$50000.00} towards my principal. Was told I could do it over the phone but would have to do XXXX electronic transfers of {$10000.00} dollars each. I agreed and make it very clear that the money was to go toward principal and that the money was to be taken from my savings account. The transfers were made and the next day I received an email from my credit union showing that I owed {$140.00} in NSF fees. The first transaction of {$10000.00} was taken from my saving account went through without any problems. But the next XXXX transaction of {$10000.00} did not go through because Ditech made a mistake and tried to take it out of my checking account. 
Ditech has admitted the error and they keep apologizing and say they are going to reimburse me, but the money never comes. Instead Ditech sends me a nasty letter saying they are charging me {$100.00} because the transactions did not go through. Ditech admits their mistake and then charges me {$100.00}. I am out {$240.00} for Ditech 's mistake. 
I have talked with 12 different people at Ditech including 3 supervisors and still do n't have my money. Ditech uses the old term " THE CHECK IS IN THE MAIL ''. I have gotten 14 pieces of mail from Ditech but no check. 

After telling me " THE CHECK IS IN THE MAIL '' I received a notice that {$140.00} was deposited into my savings account. It was another lie, the money is not in my savings account and when I call them they have no answers. 
Mortgage companies need to me held accountable and should not be allowed to operate like this.
Ask them to send payment quote and they say {$60000.00} was due on home. This look like a balloon payment that we don't know where it came from. We missed 6 payment so the Government paid this amount {$24000.00}. Don't know why it is so high. I don't know where the {$34000.00} came from. We have been in this house since XX/XX/XXXX and only missed those payment when unemployed. We don't know what to do about this, I t is due XX/XX/XXXX.
I have Nation Star, and yes I pay on the grace period date, but they would call my place of work and I was not technically late. Just very embarrassing when at work and everyone can hear your conversation. I have redirected them to call my cell phone. But they call non stop again it's before the grace period is up.
I have been making regularly scheduled automated payments for over 10 years without a single missed payment. My total student loan debt is divided into three loans, 1 subsidized and 2 un-sub. I have been mailing personal checks for payment to principal on the lowest balance loan since XXXX XX/XX/2018. These checks have included specific instructions in a written letter to apply the principal payment to Sequence Loan # 3, with that info also included on the check itself. I have made seven payments this way since XXXX XX/XX/2018 while my regularly scheduled payments have continued to be made by automatic withdrawal from my checking account on the XXXX of each month in the amount of {$300.00}. Of the seven principal only payments I have made, 5 of them, including the one posted yesterday, XXXX XX/XX/2018, have been misapplied to all three of my loans instead of the individual loan I designated in writing. Each time I have had to either call customer service or email them to request the payment be correctly applied according my express written instruction. In each case they have complied but it takes them several business days to do so. I don't give a flying flip if they corrected each one, this is an incredible failure rate of 5 out of 7 payments over the last 86 days. They don't expect consumers to monitor every single payment like I do and they hope that these 'errors ' will go unnoticed. This is a direct and deliberate effort to keep students in debt for longer periods. Further, my 'principal only ' payments are being applied to interest also, which is illegal. I make regular monthly payments by automatic EFT which cover the monthly obligated interest on all three loans. AES claims that their fine print states that any payment received must be applied to principal and interest due compounded daily. They are using a loose and biased interpretation of banking & finance regulation to twist the process in their favor and keep students in debt for longer periods. Judging by the sheer volume of complaints I have read about PHEAA/AES it is clear that I am one of THOUSANDS of student-loan borrowers who are being screwed by this company. WHY ISN '' T ANY AUTHORITY DOING SOMETHING ABOUT THIS FRAUD!
On XX/XX/2019, a duplicate draft was processed by Specialized Loan Servicing for {$2200.00}.

On XX/XX/2019, I contacted the company to reverse the duplicate draft and I was assured it would only take a few days to process.

Almost 20 days later nothing has been processed and no update is available from the company, they have stolen the money.
I have noticed now about 4 times that PAYPAL when I go to do an ATM withdrawal of my account that the fees do not match up when held and the posted. 
Example today my balance was {$200.00}. I withdrew {$200.00}. The ATM charged a {$3.00} fee for atm use. When looking at my account I have a new balance of {$3.00}. In the temporary hold section it shows a hold of {$200.00}. However, there is no mention of any fees associated on PAYPAL 's side for the ATM withdrawal. In looking at my summary, it showed before my {$200.00} balance, ATM withdrawal {$200.00}, balance {$3.00}. NO WHERE do that say or post the {$1.00} fee for the ATM card use. I have noticed this on ATM withdrawals but not checked if I use it at XXXX. I have noticed descrepencies with the balance and making purchases via Ebay or in person with my card. The balances do not seem to match up all the time.
Citi bank was charging expedited payment fees on my delinquent accounts. I paid the fees after they said it would remove any negative affects from my credit reports. I sent in the check payable to Citi through their debt collection company. I was told this would be removed from my credit reports. Citi should have this removed!
I recently moved to a new city, and opened an online bank account with Ally Bank. The account application and setup process went smoothly, and after completing the application, i received email notification that my " Ally bank account is open ''. I then began transferring money and depositing checks into the Ally bank account. As soon as I deposited my last check, and essentially put every dollar I have into this new " open '' account, I was locked out of the account, with no warning, no explanation, and without even being able to access any of the account details, such as the account number, or any other relevant information. I was directed to call a fraud hotline, which is not a 24 hour line, and I spent the next two days frantically trying to reach someone from Ally who could help, while three different support staff members ignored my pleas for help and redirected my questions to people who were unavailable. Finally a member of the fraud team explained that I needed to provide proof of address and told me I could send a phone bill. I understand the need to verify my address, but I do not understand why I was not warned BEFORE i deposited my funds, that this would be necessary. I have essentially locked myself out of all the money I have, I am in a new city, and have no way to undo anything because I ca n't access the account at all, the checks are deposited and the transfer is made. How is it possible for me to deposit funds into an unverified account, without being made aware that these monies will be unavailable for up to a month, until I receive a utility in my name at the new address? How could there not have been a warning alerting me to the possibility that any money i put into the account would be locked and unavailable indefinitely? 
At this point I am afraid I will never see the money again and I want nothing more than the close the account and start a new account with a different bank. But before I do so, I want to know that Ally is not still accepting funds into unguaranteed accounts.
I received an email telling me that a debit card had been mailed and I do not have an account at Wells, I called the bank ( XXXX XXXX XXXX ) and was told to email the fraud Dept. @ XXXX. This is the second time and I am not sure what to do next. XXXX XXXX XXXX XXXX XXXX
I receive 7-9 calls a day but the final straw was on XXXX Sunday after XXXX. I called navient today to let them know they had done this and I was told by a rep named XXXX XXXX that nothing wrong was done. I was with my family enjoying food and on a holiday and was interrupted.
I s ent two n otarized dispute letters to  XXXX  different credit bureau (  XXXX  and Tranunion ) by certified mail. I received notification that both letters were received. Fast forward over 30 days no response from either credit bureau and they did not note that the accounts were being disputed within the 30 days when I would pull the reports several times during that 30 day period. My disputes were ignored.     Transunion never responded but they decreased  my credit score   XXXX  points instead. However there were no new inquires or credit, my credit utilization did decreased, no new late payments or new collection items and no new accounts closed. I never received a response from either credit bureau. They did not delete anything either.     Please see the below certifiied letter USPS tracking numbers.      XXXX  tracking number #  XXXX  Transunion tracking number #  XXXX
Paid in full and account was closed in XXXX. This account is 7 years old and must been removed.
Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below INQUIRIES XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$1200.00}
this account belongs to my someone else not my XXXX XXXX XXXX  Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$16000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX
When I applied for this loan for XXXX, no one told me they would be charging me 299 % apr. They are charging me almost {$200.00} per month in interest. I did sign their agreement but I did not understand because they never informed me of any of these things. They just told me to sign the document. They also made me give them my banking username and password before they would give me the loan and told me it was ok for them to do this under the FDIC so they could verify my income. I never expected this type of burden. I was only trying to buy my children/grandchildren some XXXX presents. I am retired and on XXXX and there is no way in this world I can afford this type of ripoff. I feel like I have been taken advantage of because they knew my age and probably knew I did n't understand what was going on. After getting on the internet and reading the thousands of complaints about CashNet, USA I really wish I had done that before I got this payday loan.
I 've had way too many inquiries put on my credit report. After time and time the finance manager at the dealerships told me sending it out to all banks would only count as XXXX inquiry but they lied about that. Next, I have like XXXX plus inquiries on my report. I disputed them with all bureaus and it still came back saying this information is correct, which it is n't. I want the inquiries removed. I now ca n't get anything due to having too many of them.
paid the account in XX/XX/2017, It was removed, then in XX/XX/2017 it was put back on credit as a open collection
I 'm making this complaint against Experian because they are continuing to report these parking tickets and I am including documentation that proves that they are not NOT allowed to report them. I 'm including XXXX articles that support my claim and these tickets MUST be removed immediately as they are illegally reported on my credit file. 

" Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, XXXX fees or fines, XXXX, XXXX, and court fees or fines. '' These are the items that I am disputing : City of XXXX XXXX account # s XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Attached you will find my credit report, dispute letters, identification and supporting documentation. Experian has also stated that they will NOT reinvestigate my claim.
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX XXXX XXXX.
I have a copy of my credit report and there were two account reporting on Equifax that I disputed several times. There are 2 collection accounts and neither are reporting a company name. They say unknown. How is that validating anything? One has an account number of XXXX the other XXXX. There is nothing that I have or ever received with the amounts they are reporting too. Please help me Equifax is n't taking me seriously.