WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to withdraw {$60.00} from a CITI Bank ATM on XXXX/XXXX/15. No money or receipt came out of the machine, but nevertheless my Credit Union account was debited {$60.00}. 

I am trying to resolve my {$60.00} problem with my Credit Union but my concern is that no ATM should be set up to charge an account when no money is dispensed. The functioning of these machines should be examined. I attempted to find someone in CITIBANK to address this but they shunned responsibility, and blamed it on the XXXX store where the machine is located-which is of course ridiculous.
I cancelled my Amazon.com Store Card about 6 weeks ago via telephone contact. I made purchases from Amazon.com online in XXXX, 2015. I selected Visa for my payment method for each purchase. I just got a bill from Synchrony XXXX for the purchases that I made. Synchrony XXXX is the processor for the Amazon.com Store Card. I contacted Amazon and they told me thatXXXXXXXX My Store Card was still active. 
XXXX That when you have a Store Card no matter what payment type you select the purchase is automatically put on the Store Card. This is called " HIJACKING '' and is illegal. 
I never signed up for an automatic purchase default to the Store Card. 
I hope the Federal Government deals harshly with Amazon.XXXX
Account is under government payment plan ( HAMP ) and as long as payments are made as agreed, the account must be reported as satisfied to the credit bureaus. I have not missed a payment in the program ( they were all scheduled ahead of time and all have been made ) and Wells Fargo is reporting me 90 days past due to transunion, equifax and experian which is illegal according to the HAMP guidelines.
I have an existing/active Capital One Credit Card ; however, I noticed I have a debt collection on a previous Capital One credit card account. I would like such account to be closed and clear up my name. I made several attempts to dispute it in the past. Unfortunately, it is still there.
I was first contacted by XXXX XXXX with XXXX ( telephone number ( XXXX ) XXXX ) on XX/XX/2018 claiming that he was with XXXX, he was looking for a verbal statement from me for his final recommendation on a matter so he could submit paperwork. He reached out to a family member as well prior to contacting me. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. If I did not do this my wages would be garnished. I contacted the original debtor and was advised that my account was in fact transferred to a collection agency ; however the agency name was XXXX XXXX XXXX management and not XXXX ( where XXXX was calling from ). I tried to  contact XXXX at phone number XXXX, ( provided by the original debtor ) and was unable to get thru, a message from XXXX played that my call was not able to be connected. I XXXX XXXX for another phone number and was able to locate phone # XXXX, however to no avail there was a voicemail message asking for you to leave a message however their inbox is full and your call is disconnected. Please keep in mind I have never recd paperwork from this company ( XXXX ) in the past and now they are threatening garnishing my wages.
Equifax has been non-compliant with removing the unverified account XXXX/XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX/XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I disputed and requested validation with at least 30 days to investigate. I also advised them that if any action is taken which could be considered detrimental to any of my credit reports I would seek legal counsel. It has now shown up on my credit report, and I have not received any verification.
Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " one '' not " three ''! I only gave permission for 'one ' credit inquiry. Please delete three from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, VA XXXX b ) XXXX / XXXX XXXX XXXX XXXX XXXX, SD XXXX c ) XXXX XXXX XXXX XXXX XXXX, CA XXXX
Receiving daily calls from Mercantile for about the last month. have not called them back. We have excellent credit rating and owe no debts. Always the same message, to call back with a reference number.
I have provided all three credit bureaus information regarding XXXX XXXX which included conflict of the original balance being reported to the credit bureaus and me I provided documentation to support the dispute as I have always done. on XXXX XXXX2017 XXXX sent me an email stating XXXX XXXX was being removed from my credit. based on Experian providing me documentation through my credit report stating the original loan balance was different from what the loan statement was. As of today, with all the documentation provided, XXXX continue to have this account as if it was dismissed in a bankruptcy. This account was never in bankruptcy. I have not received word on Experian in which provided me documentation of that they have raised my credit score. 

I believe I am one of those who had been hacked because my credit score was higher before the information was leaked now it is really low. the lowest
There are XXXX collections on my credit report from this debt collector and the hospital and I are working on a XXXX case to XXXX all of my bills. These should not have been put on my credit at all. The amounts are XXXX, andXXXX.
When my loan started to become due. I told sallie mae that I am not able to pay the loan at this time because I was not making enough money to pay it back. Sallie Mae at did offer me a reduced payment plan. They had me put the loans in forbearance. But being that I was past my due date they could do the forbearance for the past month I missed. And if I needed to put in forberance again I needed to call before the next due date. By doing the forbearance the loan amount went up. Sallie Mae never called me directly to let me know that I was behind in payment. They would call my co-signer but never called me directly. I approached sallie mae to get a lower payment. The deal they offered me was not acceptable. Sallie Mae offered to lower my interest rate only two years. And after would be back to a varible rate that i have know Idea what it would be. And being that they were lowering the payment because of the interest rate. They added five more to my loan. I also offered to settle the loan with a buyout amount. Sallie Mae said they would take nothing less then 90 % of the loan.
I applied for a lower interest refinance from Bank of America. I was turned down. The only answer I was given on the phone was I made too much money for my area, which is XXXX, Idaho. My interest rate is 8.375 %. My house payment is {$830.00} a month. My credit score was good. I am on Social Security, my only income, and earn {$1700.00} a month. After being turned down, I was not eligible to try somewhere else. I am still paying my mortgage to Bank of America. I do not think that President Obama knows how the big institutions are still ripping off the middle class. Someone needs to go over the loans that were turned down and see if B of A is still ripping off consumers.
The credit reported as XXXX XXXX is falsifying my student loan debt that I have filed as forgiven numerous times and the company has called and sought the mis use of my student loans on numerous occasions in hopes of gaining money that is already settled. 
In addition, the companies XXXX XXXX, and XXXX XXXX XXXX XXXX perpetuate credit use with XXXX hospital records by switching company names and deleting payments made. The companies were suggested by XXXX XXXX   who received payments and proceeded to perpetuate my payments as well. XXXX XXXX was told to be the account holders of XXXX XXXX to this date. I have paid these companies numerous times and nothing has been shown on my credit report and my account balances continue to exist regardless of my payments.
I have a credit line with XXXX. I was out of town and missed the payment. I called and explained to customer service about the late payment and they told me they would take it off my credit report for good customer justification. This drop my credit score about 92 points. I had never been late before and this hurt my score in a major way. Can you please help? 
I filed a dispute and the results said that they will remove it, but it is still shows on my report. 

Sincerely, Need help.
Experian is reporting account XXXX/XXXX on my credit file as closed and this account is opened and in current status I have notified them of this numerous times and they will not correct the account to reflect correct information and ignore my requests
I have docs proof of my purchase was canceled and did not hear from Capital One wanting further docs AT ALL. They recharged me for a purchase that was deactivated because I canceled to the software and now I have to repay? XXXX. Are you kidding me.
On or about XX/XX/XXXX, an open collection appeared on only my Equifax credit report. The collection is allegedly for a medical bill of {$270.00} that I got charged on XX/XX/XXXX from XXXX XXXX XXXX. On XX/XX/XXXX, I was XXXX to XXXX. I am an XXXX XXXX XXXX XXXX. My healthcare is free. There is no possible way that I incurred this debt. I made a complaint with Equifax. They investigated it and said that is was a legitimate debt and kept it on my credit report. I never incurred this debt. It is not possible. This erroneous report will cost me money because it has dropped my credit score over 50 points from my XXXX credit score, which does not have this report.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), all credit reporting agencies are required by federal law to verify the physical verification of the original signed consumer contract for any and all accounts posted on my credit report. I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) via mail on XX/XX/XXXX. No Verifiable Proof was provided. Nelnet sent a letter saying they can not change the account, and it is now XX/XX/XXXX. Their failure to positively verify these accounts has hurt my credit tremendously.
This is just a general complaint. a utility company says I owe XXXX and sold the debt to a collection agency. The collection agency tacked on fees and put {$140.00} as a negative remark on my credit. 

I have never received any service from the collection agency, I never entered into any contract with them either, so why should I pay for services rendered to a creditor/utility company, when the utility company has agreed to a payment from the credit agency? 

I do n't think the agency should be able to represent that I owe them the {$45.00}. A consumer should only be responsible for the debts that they make. Any fees a collection agency thinks they deserve should be dealt with between the collection agency and the original creditor. Passing these fees on to a consumer only digs deeper holes for consumers for services they never wanted nor received. 

I think legislation should be enacted that 1 ) a company can only report to a credit bureau to collect the original debt, and 2 ) a collection agency can not collect extra fees from the consumer.
XXXX XXXX XXXX contacted my spouse about a debt collection that is solely in my name. My spouse verified with the representative that the account is only in my name. They gave my spouse information regarding the company, account balance and other personal information. This is a complete violation of privacy. I have never spoken with any XXXX from this company before. I have not received communication from them. I did not give them permission to speak with anyone regarding this debt collection. I do not mind working with a professional debt collection agency regarding this account, but I will not work with an agency that violates FDCPA. I can not trust a company that violates federal law to handle any of my personal information. My spouse asked them to mail proof and they refused, citing only an email that they sent to his ( MY SPOUSE ) email -- not mine.
I went in and bought a new car. The company backed out of loan after booking it issues with title brought the car back. Called the financial company and asked when it would fall off my credit because I had to buy another car and they where reporting new opened auto loan. They said a couple days. Then a couple weeks later it was still their and the new financial company is requested a letter showing I do n't owe this. When I called honor financial they said they never reported to my credit and was very rudely treated. So I sent a letter in writing by email to their funding department and the vp of the region. And got no response and still no letter and still on my report.
I purchased XXXX Toyota Truck on XX/XX/XXXX. i finance my vehicle from Toyota Financial services. my regular monthly payment $ {$620.00}. I was paying my monthly payment regularly. I do have documents. I made a future payment with Toyota financial on XX/XX/XXXX. Toyota financial took XX/XX/XXXX payment and future payments until XX/XX/XXXX. They withdraw {$2500.00}. After they withdrew this amount i called customer service. they did not return excess amount of payment. They said they send check to me which they did not. After calling and discuss with my account they send me amount of {$620.00}. i deposit this check and this check returned. My bank charged to my account {$35.00} return deposit fee. Also I got called from Toyota financial service customer service, get humiliated by them. They told me that they will repossess my vehicle. I could not resolve my issues or get any help from them. I asked them please send me ledger of account and checks that they send me. they said they can not provide proof of check they send me. Additional of everything they made my credit rating low. This is a very bad practice. Their system shows wrong amount of mature date payments. For example ; your loan payment due date of XXXX of every month. if you made a payment on XXXX which next day of original payment date ; they will collect from your account future payment ( which not is not due ) together with current month payment without your knowledge. If you have any questions or proof of payment please do not hesitate to contact with me.
This company continues to call my place of employment after I told them my manager has requested no more phone calls be made to this number. They are also calling and not even saying the name of who they need to speak to. Some times it is a blank pause and then a hang up. There is aggressive language and behavior when calling, and I have never experienced a loan company like this. I have asked this company numerous time to stop calling and I will deal with business over the number I provided them. We are settling the debt as we speak and they are still calling. I do not want them calling my job any more.
I've been getting the run around. My credit card statement generated on XX/XX/XXXX. 
The credit report should have been updated the following business day XX/XX/XXXX to reflect my new credit card balance. My credit card is paid down close to zero balance, but it has yet to be updated. When I contacted XXXX, they advised that the report was updated on XX/XX/XXXX. This  isn't accurate. 

When I contacted XXXX XXXX, they advised to contact XXXX. I'm in the process of buying a home and the maxed out credit card status is preventing me from doing so.
I am having trouble with financing I received for some auto repairs on my car. I never received a copy of my signed agreement and was told by the shop I received the services that the company will email the executed agreement. I had some family business ( caring for parents  )  to tend to after I got the   XXXX   fixed and was n't able to follow up.The company began debiting my account for the amount agreed but then they started debited my account on days not agreed  (  every other Friday  )  and caused overdraft on my account, which they continue to do. So as I tried to get information online about the contract I found out the actual financing was a LEASE contract for the PART used in the repair and after a certain time I would have to " return '' the  XXXX  equipment at the end of lease. Essentially I am renting the repairs made to my car and not financing the repair cost as I was originally was told. In neither the Tempoe agent I spoke to or the representative at  XXXX   XXXX  referred to this as a lease agreement and I was not advised the that I would be returning the repair equipment. I called in to  Tempoe  a copy of my executed agreement online and he said the agreement was on the web account. The agreement has no time stamped signature or the electronic signature I signed on the pad at  XXXX   XXXX . I have requested a copy of this and any other documents of my lease agreement and the company refuses to send it to me. The agent spoke to  XXXX  says that they do n't have hard copies of the agreement to send me. I asked him for any paperwork for this loan to be sent to me and they have failed to send it. He also, said I can purchase the equipment for a fee. I feel like from beginning there was was deceptive loan origination practices and this company is not disclosing to their customers that they are entering lease agreement for equipment financing.
My mortgage company Nationstar is forcing me to pay 50 % higher monthly mortgage payments, even though I signed up for a FIXED 15 year loan. 
In XXXX this year, Nationstar has been demanding, that I pay my monthly mortgages into an " escrow account '' instead the usual " mortgage account ''. just because I was late paying my PROPERTY taxes last year, NOT my mortgages, which I paid always on time since the start of my loan 9 years ago. 
Their Escrow accounts are for future property debts. 
Since I have been paying my property taxes myself since the start of the loan 9 years ago, and was only late paying the property taxes once during that loan period, ( but am up-to-date ). why should I let Nationstar pay my property taxes from now on?, Obviously Nationstar does it, so that can demand huge upfront monies for future property taxes and higher monthly mortgage payments. 
In my case they are demanding XXXX -- for future property taxes and an increase of 50 % in my monthly mortgage payments, even though I 'm up-to-date with my property taxes and mortgage payments. 
I refused to be pushed into their escrow account and kept paying the same monthly mortgage payments. 
Nationstar retaliated by informing all credit rating agencies, that I had NOT paid my monthly mortgages for 5 months, which is an outright LIE. 
I paid the mortgages, but refused to pay their higher added-on monthly escrow fees and 50 % higher monthly mortgage premiums. 
Because of the blatant lie to the credit agencies by Nationstar, my previous excellent credit rating has dropped down to XXXX. 
Nationstar can not tell the credit agencies, that I did not pay my mortgages - that is an outright false statement. 
They can only state, that I refused to pay their added monthly exorbitant escrow fees, which is in dispute between us. 
.And because I supposedly have not paid my mortgages for the last 5 months ( which is a lie as I just mentioned ), they had the gall to start foreclosing on me too! 
Ruining my credit and now foreclosing? 
This should not be tolerated, I need help from your agency. 
My telephone calls got the go-around, my written communications got no response. 
Please read " XXXX '', enter Nationstar, and you 'll see, there are innumerable complaints against this company.. 
Nationstar is a predatory Mortgage company in my opinion, they seem to prey especially on elderly people like me, hoping they wo n't fight back. 
They make it impossible for mortgage holders like me, to protest or get into touch with a manager to resolve any dispute. 
It seems to be designed that way, please read other complains on " XXXX ''.
I applied for a refinance with Bank Of America, after taking my XXXX Dollar Fee things went down hill from there. I was asked to fax or send by E-mail XXXX documents which I did. I was told the Loan was approved and would be closing soon. After not hearing anything for some time I called and was told the application was closed due to lack of information. I was given a list of information to send which I did several times. I believe Bank Of America is simply collecting Fee 's and stopping all contact in the Loan process. I cant believe the number of Complaints this Bank has against it, almost word by word for XXXX Customers.
Transunion and/or XXXX  and/or XXXX have failed to address the issues on my credit report as follows : 1-XXXX XXXX and XXXX funding are both reporting collections for XXXX XXXX ; thereby there are two collections regarding the one XXXX ... acct. 

XXXX XXXXt and XXXX XXXX are one and the same company ... .when I called and told them about this ... .each rep hung up. 

XXXX XXXX and XXXX XXXX are both reporting collections for XXXX XXXX, which was charged off/tax deduction by XXXX/tax deduction NO CONTRACT ... .therefore there can be no collections ... .much less two in one companies collecting 2XXXX XXXX and XXXX XXXX each too, fall under the FRCA ... no contract/no debt,
I have a Chase credit card on which I am carrying a balance at a 3.99 % promotional rate for life. I made several purchases before XXXX on the Chase card at a rate of 14.25 % for new purchases. So as not to incur interest on those new purchases I made a payment equal to the Minimum Payment due plus an amount to equal the new purchases I had made, with a little extra for any interest that accrued since the date of my purchases. I did this for XXXX pay cycles to make sure there was not a balance under New Purchases at 14.25 %. It is my understanding that all monies paid over the minimum due will be posted to any purchases at a higher rate. It was not. 
Chase says even though I had made the purchases and those purchases were being charged 14.25 % from the date of purchase the full amount of my excess payment was not applied to the higher interest rate because it was not part of the previous Billing Cycle. XXXX, the account XXXX for Chase, admitted that the new purchases were on my account, when I made my excess payment, and that I had been paying the higher interest rate on those from the date of purchase, but XXXX said that the full excess payment was not applied to the higher interest purchases because the charges were not included in my previous billing cycle. XXXX said " it was the law ''. 
I am currently still paying 14.25 % on a balance that should not be there. I followed the rules as they were explained to me by a Chase representative and got screwed. 
I am contacting my Congressmen in hopes that this will stop once and for all. 

Had I waited for the new purchases to hit the new billing cycle I would have paid even more interest. Is this the way the new financial rules are suppose to work? More interest for the banks?
XXXX XXXX XXXX, NELSON , WATSON & ASSOCIATES , LLC AREVIOLATING THE " DODD-FRANK ACT BY COVERING UO FOR XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, AND OTHERS, RESPECTIVELY!
Burr and Rheid have non stop harassed me with thratening letters without any real cause or even any amount owed and by whom which the debt is owed. Also when you try to contact them they eefuse to answer the phone.