WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Wells Fargo credit card that I paid off. Before I did, I had zero issue paying the balance or paying on time. I XXXX out their card in the process of buying a house. 

A subscription service that I tried canceling 7 times, that kept charging the card without my knowledge. The second I realized, I paid the amount ( around {$10.00} ), but it was already past due. I tried explaining that this was unauthorized use of the card. I also explained that due to the nature of us closing on a house within 30 days, this is an urgent matter, since it was reported as a late payment. They will not remove the mark regardless of the fact that it was unauthorized, and at one point, a rep told me once you use the card once with the merchant, you gave the permission permanently. This is a load of XXXX, and I know that. 

Ive been trying to get them to remove the late payment for two days ( XX/XX/XXXX-XX/XX/XXXX ), and everyone is kicking me around. They know that this is about to lose me my house, but everyone tells me whoops get over to that department. I dont care about paying the amount, but the part that bothers me is that I am disputing the validity of the charges, I have been a good and upstanding customer for years, Ive never had an issue in the past, and they refuse to just tell me how I can contact the right people. They literally told me that they dont know how to contact their credit bureau, who it is, contact info for the credit bureau, or a timeline or if they are trying to remove it. To make it all better, they just kick me around and refuse to give me contact information while I BEG them to just give me a way to contact the right person. 

I also had a rewards balance that MORE than covered the balance on the card, but they didnt use it and they didnt allow me to apply it to the erroneous balance on the card. Seems like if you have money of mine already, you should probably just use it. 

At the end of the day, the charges were fraudulent, and I paid them regardless. Im not asking for money back. Im not asking for them to do anything except undo the damage. I just want to be treated like a human being and have compassion to the gravity of the case. Im buying a house and I cant wait for them to kick me around to 30 more departments over the next 3 months, when its not money I even tried to spend. To make it all better, my wife is XXXX and we are terrified our loan is in jeopardy. Were about to be homeless and Wells Fargo is just saying sit on your hands.
We filed BK XX/XX/XXXX. We listed three mortgages held by TD Bank. For five years plus they did nothing with these loans. Now, some five and a half years later, they decide to start foreclosing. ( Interestingly as the market place has improved ). 
I now receive demand letters from the attorneys at XXXX XXXX XXXX ( a XXXX law firm ) representing the bank. I have sheriffs knocking on my door at XXXX in the XXXX   delivering demand letters and notices. I've had complaints and threats of fines from municipalities for code compliance infractions ( primarily the XXXX, PA municipality ). I receive a barrage of mail ( as recently as this past weekend of XX/XX/XXXX ) from the bank and attorney claiming {$170.00}, XXXX is owed on these properties. 
The very first page in the BK filing under the heading " Creditors May Not Take Certain Actions '' it clearly states the creditor must refrain from arbitrarily contacting the debtor. They have been and are in violation of my rights availed me through my plan. 
TD Bank had five years to file the proper notifications during the BK period to acquire a relief of stay. They did not. Now, that is suits their financial needs, they desire to take the properties. 
I want the notices, the letters, the sheriff visits to stop! 
TD Bank and the Trustee in the BK didn't see any value in these properties when they were listed in the BK. Now, I don't think they should have the right to harass me for them.
My XXXX XXXX ( Comerica Bank ) card was debited for {$900.00} twice on XXXX-19. Both charges were paid to XXXX XXXX in South Carolina. I live in Michigan and did not make or authorize my card for these transactions and have never had a XXXX account or used my card in South Carolina. My card was still with me in Michigan when this fraud occurred. When I tried to report this fraud at the phone number on the back of the card I was only able to reach a recording telling me to try again later! It took dozens of calls and several hours to finally be able to get through to have the card cancelled. I reported the two fraudulent amounts totaling {$1800.00} but only received one temporary credit to my account for {$900.00} on XXXX-19. However, that temporary credit was reversed on XXXX-19 at about XXXX hours without any notice or explanation and just before the next direct deposit to my account on XXXX-19. XXXX XXXX did return {$890.00} on XXXX-19. I was also charged a fee of {$1.00} for transferring the balance of my account on XXXX-19 to prevent any further fraud when I was unable to contact XXXX XXXX to cancel the card. They also charged me {$15.00} to expedite the replacement card even though I told them on the phone I would not pay for expedited shipping! It has been 35 days since the fraud was reported and XXXX XXXX still has not given me back the {$930.00} in fraudulent charges plus fees they still owe me. It is almost impossible to communicate with them because they do not return calls or emails! The Federal Government should cancel the contract they have with this company and prosecute them to the full extent of the law for violating Federal laws. They are taking advantage of Veterans, XXXX and elderly clients who can least afford this grief and aggravation. To abuse the most vulnerable in our society in this way is a disgrace and morally reprehensible.
I have a store credit card with XXXX XXXX  XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX  and XXXX XXXX   XXXX with no successful resolution. Experian, XXXX, and XXXX  are all reporting me late. There was definitely an error on their part. I was never 30 days late.
My finance company Lendmark Finance sent a letter stating it was updating their statement, that was over a year ago. The statement they have been sending only states the monthly amount due and does not include the interest paid. I have contacted the XXXX branch and all they can tell me is they know and it's still be updated, I sent a message on-line to Lendmark and inquired about the problem, I was never contacted. At this point I don't what I am paying in interest every month.
XXXX  of  2013, m ortgage loan with  Chase  was in a pre-foreclosure status. The loan was satisfied ( paid in full ). It is being reported as foreclosure/paid. This was not a short-sale nor a foreclosure. I have a settlement statement as well as my HUD statement from the closing. I am asking that the word " foreclosure '' be removed from my credit reports or that the term " pre-forclosure '' be used.
I have Discover for my Credit card and for a personal loan. For some odd reason discover never received my payments, which I have everything on auto-pay. I have been paying double with both accounts to get caught up, but now they are telling me my account wont be unlocked until XXXX 2016.
I called CitiMortgage to make a payment on a demand letter I received XX/XX/XXXX. The letter stated I needed to call to make a payment of approximately {$3600.00} on my account on or before XX/XX/2016 to prevent further foreclosure action to begin on my loan. I called that day and a gentleman answered. I was on the phone for nearly 30 minutes and he had no idea what he was doing. I explained my situation and he could n't find the demand letter to understand what payment I was trying to make. The gentleman obviously worked out of XXXX. I asked on multiple occasions to transfer me to someone who was knowledgeable to ensure that my payment was made on time. He finally agreed to take a payment, and transfer my call. Upon " taking my payment '' he proceeded to transfer my call. The line disconnected and I could n't stay on the phone another thirty minutes so I did n't bother calling back that day. About a week or so later I noticed the funds had not been withdrawn from my checking account so that prompted the additional call bck to citi mortgage. The lady I spoke to proceeded to advise what I would need to do to take care of payments on my loan. She stated based on my loan payment not being processed before the expiration of the deman letter my loan had been pushed into pre foreclosure status. I called to make a payment, I should not be penalized because of the gentleman who did n't know how to do his job. I want any subsequently delinquency notices to be stopped and negative reporting to be corrected.
I do not owe XXXX XXXX XXXX  University. This is false and misleading information. This collector is reporting an erroneous amount. I disputed this debt with all 3 credit bureaus and this collector changed the amount owed from {$5500.00} to {$4200.00}. Now on XXXX  they changed the amount back to {$5500.00}. How can 1 bureau show a different amount than the other 2? This company has violated my consumer rights under 15 USC 1692 FDCPA and 1681 FCRA. If this account is not immediately removed i will turn this over to a consumer protection attorney
After XXXX XXXX, the entire XXXX part of Florida was declared area a XXXX XXXXXXXX area by XXXX. As a result, Wells Fargo offered a 90-day relief on my mortgage. I spoke to a representative from Wells Fargo and she told me that I would not have to pay my mortgage for 90 days. She also stated that I would be able to apply the payments from the 90 day relief to the end of my loan. I agreed and right after I received an email from XXXX XXXX, Senior Vice President, Customer Service Wells Fargo Home Mortgage stating : Were reaching out because you are located in a XXXX declared XXXX area. XXXX XXXX left extensive damage in your community. Our thoughts are with you and all of those impacted. 

We understand if youre not able to make your normal monthly payments during this difficult time. To assist, we have placed a 90-day payment relief period on your account. During this time : We will not assess late charges. 
We will not report any negative information to the consumer reporting agencies. 
We will work together to discuss options that XXXX include moving those payments to the end of your loan or extending your maturity date. 

In XXXX, I received documents in the mail about preserving my home from Wells Fargo. Immediately, I called Wells Fargo to figure out why I was receiving the documents and they told me that the payments I missed could not be applied to the end of my mortgage loan. They said this is because I had an FHA loan. They said the only thing they can do for me is a loan modification. They told me because I have an FHA loan that was the option I had or I could pay the balance in full. I explained that is not what was told to me when I agreed to the 90 day relief. They transferred me to a mortgage specialist and she told me she would research the call. She called me back in XXXX hours and told me there was no evidence in where their representative told me that. 
That is a lie because I would not have agreed to a 90 day relief if they told me I would have to do a loan modification or I would have to pay my balance in full after the 90 days. From the beginning of this process no one from Wells Fargo mentioned a loan modification or paying to amount owed in full because I would not have agreed to it. I do not want my interest rate to increase. This makes no sense to me. Please help me with Wells Fargo trying to take advantage of me.
On XX/XX/XXXX three outpatient services were performed at XXXX XXXX Hospital in the amounts of {$110.00}, {$110.00} and {$150.00} totaling {$370.00}. XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX   ) submitted a claim to the wrong insurer although I had provided the correct insurance card for  copying the day of services. On XX/XX/XXXX, when I received a bill for {$370.00} from XXXX, I contacted them to inform them of their error and I contacted the insurer because my insurance had ended XX/XX/XXXX, but the services were prior to that end date. XXXX submitted a claim to my insurer but it was not for {$370.00}, but for {$4900.00}, a substantial increase of 1,215.5 %. They also included an additional service not previously billed, so now they were requesting payment for four services instead of three. As a result, the insurer paid a total of {$630.00}, which was an over payment in the amount of {$250.00}. Afterwards, XXXX submitted two additional bills for the same services, but this time, changed the names but left the amounts at {$110.00}, {$110.00}, and {$150.00}. Unknowingly, the insurer paid an additional {$220.00} for services they had already paid. SO there was a total over payment of {$480.00}, yet, XXXX sent me a bill for {$150.00}. The insurer and the hospital had already sent me notice of payments ( over payment ) and I only owed the hospital {$3.00}. I contacted XXXX to make them aware of what I have determined to be fraud on their and the doctor 's part and told them they had already been paid and therefore they needed to speak with the hospital or whomever got the money and bring my account to XXXX. Instead, they placed the account with XXXX XXXX XXXX ( XXXX ) of XXXX XXXX for collection. When contacted by XXXX in a letter dated XX/XX/XXXX, I disputed the debt and asked them for verification in accordance with FDCPA ; none was provided. Instead, they sent me another bill dated XX/XX/XXXX, requesting payment. I sent them a letter with proof of payments and explained how they were actually overpaid and should not be harassing me for any payment since I owe nothing. I asked them to bring my account to XXXX. I have filed a complaint with the Composite Board of Medical Examiners regarding the doctor who is collecting on this inaccurate debt.
To whom it may concern, I have transferred {$100.00} to my friend using Chase quickpay on XX/XX/2016, even I got the transaction number XXXX, but my friend did not received it. So I called the bank to help me find out where is my money and asked the representative to show me proof that the money was sent to XXXX XXXX XXXX. However, I was not given any evidence to show that the money was sent to XXXX XXXX XXXX until today, I am still missing {$100.00} in my account. And a representative of XXXX XXXX XXXX asked me to prove the money was sent to XXXX XXXX XXXX. Otherwise they can not help me find where the money went. 
Thank you very much. 
XXXX XXXX
In XXXX of 2014 Credex started harassing me. They called me at my job and left embarrassing and threatening messages on the voice mail. I work as a messenger and travel thought out the hospital where I work. My work phone is in my office and when I am away from my desk the caller can leave messages on the office voicemail. I am not the only one who has access to this voicemail. My co-workers, supervisors and members of the Human Resources Department have access to those messages. 

The fact that Credex would leave messages informing people that I owed a debt to them was bad enough but the kind of messages they left made matters worse. They called me names and referred to me in derogatory terms, they threatened me with arrest, jail and garnishment. They threatened to inform my supervisors of my debt and their debt collection activities to have me fired. I asked Credex to stop calling me at work but they paid me no attention and continued to call me there. 

Credex also called me on my cell phone and left messages I counted 21 calls and messages on my cell phone. They also called me on my home phone. XXXX my home phone and dell phone are on the do not call list. These calls did not stop until my attorney filed a lawsuit. 

My case against Credex was filed in XXXX XXXX Ohio Common Pleas Court Case No. XXXX. Credex new of the suit because they contacted my attorney about the case. They, however, did not file an answer in the case and the court granted a default judgment against them for {$21.00}, XXXX as damages and {$2500.00} as attorney 's fees. 

I have not been able to collect this judgment because Credex is located in XXXX, N.Y. and I have not been able to find a New York Attorney who will handle this case for me.
I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to XXXX Experian, and XXXX, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
To whom it may concern :   XX/XX/XXXX     I went to  Veterans First  to refinance my home. I dealt with  XXXX   XXXX . I was told by  XXXX  many times that when the loan closed he would take the escrow out of the loan (  XXXX  loan account number ) it was financed thru  XXXX . The payment with the escrow was {$730.00} and without escrow {$540.00}, I told  XXXX  that I could not afford the {$730.00} payment many many times and he said ( again ) not to worry he would take care of it. So the night of   XX/XX/XXXX   he called and said he could not remove the escrow, so I said you lied to me He said that he didnt know that they would not do it. Needless to say I was mad and in a financial bind. To make a long story short I am now I the process of re financing again. I think that you should know that this person is lying to the vets, and doesnt know his job. I will be in touch with the Attorney General and Better business bureau.   His information is :  XXXX   XXXX  Loan  Officer  NMLS #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX  XXXX  XXXX  Thank-you for your time,  XXXX   XXXX   XXXX  XXXX  XXXX
So I moved transferred my cable service XXXX never transferred the account to another address. I paid the final bill and they turned it over to collection who in turned reported inaccurate info to my credit bureau and I owed them nothing
I lost my job back in XXXX of 2015 I have been looking for work but I am also a single full time father of XXXX children. I have been paying my bills though they may be late they are all getting paid. Navient who handles my private loans every time I speak to them and I think something is resolved I get a phone call 20 days later and they tell me things are late and payments have not been made. This month I have now spoke to XXXX different people. including XXXX supervisors. XXXX supervisors also gave me XXXX different answers. The XXXX phone representatives gave different answers. I am trying to keep everything from being 30 days over due. I have had XXXX people say they were reapplying payments XXXX of which was a supervisors after I spoke to the first supervisor he assured me things were caught up and handled. Today I spoke to a different supervisor and he tells me my account is past due including an amount from XXXX 2015. When I asked him to pull the phone records he refused at this point I became upset and requested them and said I had to go through court. When I again proceeded to tell him then go back and check the phone records from his previous supervisor he refused and I called him incompetent he hung up on me.
Last week, I contacted my mortgage servicer, Wells Fargo, to have the ach payment draft changed. After several unsuccessful attempts on-line, I called in. The associate I spoke to assured me she made the changes to the system, keeping my weekly ach payment intact, but removing the additional equity of {$70.00} per payment. She confirmed the next payment ach would occur on XX/XX/XXXX for {$430.00}. Today, the ach payment of {$500.00} was made ( the full amount with extra equity payment ) not once but twice. This has left my family in a financial crisis. I immediately called Wells Fargo and spoke to XXXX of XXXX, MD ( Operator XXXX ) and confirmed the previous customer service rep did not follow the correct procedure. He states the payments will be returned to me, however this will take 1-3 days of processing and then 1-3 days to show up in my account. I do not feel this is fair. The processing and waiting times have left me without any funds for the remainder of the week and I also need to cancel other payments. I do not even know what the overages and additional charges my bank may have from the result of this error. XXXX states I need to mail my statement once i have that information. They will take some time to review and determine if they can reimburse my fees. Again, I feel this extra encumbrance to the customer for what is clearly the company 's error is not acceptable. I am lodging an official compliant and request assistance in getting this matter resolved quickly.
My father is a XXXX year old XXXX man. Who has a fourth grade education and grew up in rural South Carolina. Why am I telling you all this? Because I just found out that he has a mortgage for XXXX dollars, at ten percent interest. His payments are over XXXX dollars a month. He is on a fixed income, and recently fallen behind in his mortgage. I think the interest rate is highway robbery, and I think he was beguiled into refinance his house that he has been in since 1977.
I have been for a month trying to work with equifax because I am paying for monitoring service and not able to update my report. I continue to get a fail code in which I am going to attach a copy of the code. I have been on the phone with personal solutions and they have been no help. I can not continue to pay for a service that I am not getting the benefits. On top of this my credit file is locked and i can not unlock my file either. I need this resolved ASAP