WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I made a payment on my account of {$1400.00} to bring the balance to XXXX. The next day, when I checked my account, I could not see that the payment had posted and my due date was that day, so I wanted to make sure it was paid. I tried to create a new payment, this time for {$1300.00}, but received an error message telling me I was trying to create a duplicate payment. On XX/XX/XXXX, I received notice from my bank that the company had attempted to process an " Auto-Pay '' transaction in the amount of {$47.00} to an old account that I have closed. I believe I may have given them the wrong account information when I set up the Auto-Pay, but the Auto-Pay should not have been processed at all because the card had already been paid in full. On XX/XX/XXXX, I received notice from my bank that the company had attempted to process the {$1300.00} payment, but it was rejected because I did not have sufficient funds in that account at the time. I am glad it was rejected, because according to the company 's statements, that payment would have brought my current balance to negative. The company 's system never should have allowed me to create a payment that would take my account into the negative. Over the weekend, I received several emails from a company advising they were unable to charge my approximately {$350.00} purchase to that card. On XX/XX/XXXX, I called the company to discuss the issue. The account statement viewable on their website currently shows my Total Credit Limit ( " TCL '' ) at {$1500.00}, my Current Balance ( " CB '' ) at - {$1200.00}, my Pending Charges ( " PC '' ) at {$1300.00}, and my Available Credit Limit ( " ACL '' ) ( defined as TCL - CB - PC ) as {$140.00}. They informed me that the reason my ACL was {$140.00} was because they had placed a payment hold on my account for the {$1300.00} payment to ensure  that the payment was credited. Despite several attempts, and speaking to a supervisor, the company refused to do any of the following : 1 ) remove the payment hold for the payment that should not have been allowed and is not going to be paid ; 2 ) change my ACL to accurately account for the negative value of my CB ; or 3 ) increase my credit limit so that I can use the card to a reasonable extent while their labyrinthine system processes the entire issue. The supervisor with whom I spoke refused to acknowledge that the system treats any negative CB as XXXX for the purposes of calculating ACL, but explained that having a negative CB would not increase my ACL because the company does not want to process single payments that exceed the TCL.
Application package was submitted on XX/XX/XXXX and was told we would have a 5 % rate I asked on XX/XX/XXXX if we were locked in yet. Our loan officer said our rate was not locked in yet. I asked him what we needed to do to get locked. He stated that we needed to sign the disclosures so we signed them and sent them back immediately ( e-sign ). 

Two weeks later the processor emailed me saying the loan officer was " ready to lock in '' our rate. I was very confused by this so I emailed the LO for clarification. He said that he didn't lock in the rate because we'd discussed floating down the rate. I told him that didn't make any sense because a loan has to be locked in order to float down a rate. 

A few days later he said we could lock in at 5 % at a XXXX cost. Since we'd discussed on XX/XX/XXXX that I wanted to lock in at 5 %, I told him I was not going to pay any points to get 5 %. 

A few days after that, he said he was working on getting the " rate lock fee '' of .5 % reduced. I'm in mortgages and that was the first I'd heard of any such fee. I'm still not sure what he was referring to, but my guess is he was still trying to get around making us pay for a 5 % rate. 

I found this to be extremely deceitful and misleading and I think if I wasn't in the mortgage business, I would not have known how untruthful he was being.
I took a {$700.00} loan and repaid {$620.00} of the principal. The loan company is making it difficult to pay off my loan. I have tried to pay it off online and it refers me to their customer service number. Two times I have set up a payment with the lender and twice I have been told it did not go through. I recently called and asked to pay off my loan. The representative informed me that the pay off was around {$160.00} and I decided to do that. The payment once again did not go through and the company is telling me now that the payoff amount is above {$400.00}. This is because of the huge daily interest they charge. 

I feel they are not taking my payments on purpose to continue accruing interest. Especially since they are using the original borrowed amount for interest instead of my new principal.
I sent final request on XX/XX/2016 documents that they have in my files as of this date that you used to verify the accuracy of the accounts listed below. Im XXXX Veteran who suffer from XXXX I lost a was denied for a house because they woulnt remove this item in my credit report or correct them. Item ( A ) information mislead incorrect ITEM ( B ) showing information as derogatory Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or be removed immediately.
On XX/XX/2018 around XXXX XXXX, I went to Capital One bank, branch located at XXXX on XXXX XXXX to make a payment using the ATM machine that they have inside of the bank, so I followed the instruction of the ATM and I put XXXX XXXX dollars ( XXXX ) inside the ATM machine.Soon after I put the money in, the ATM went down, I reported that to one of the bank employees who was walking back and forth inside the bank, so she said to me, I should not have any problem, if the ATM read my card, you just can go home and wait for your statement.I did exactly what she said to me. Two weeks later when I got my statement, I was charged for late fee.So the next day I went to the branch and reported that, they had me putting my name on the paper after a few minutes, somebody called me and she called the card number representative to report the issue. they said to me that, they investigated twice, no money was found, the fact that I did not have any receipt and the only evidence that I still have is the footage, I asked them to check the footage, they denied my request. I had to pay them XXXX XXXX XXXX XXXX dollars ( XXXX ) the full balance, the card was closed and they still charging me. However I have not been used the card for 9 months.
I called XXXX back in XXXX and ask them to put on file not to call my job. The debt owed to them will be paid through Debt Couseling service ie XXXX XXXX XXXX XXXX. Correspondence was sent to them via mail. Theses people are relentless they have called my job everyday disclosing personal information. They have recently just yesterday XXXX/XXXX/17 @ XXXX in the morning. Told the receptionist Give me the address we are get ready to garnish her wage They have also called my friends and family and pretended to be my bank representative. I couldve filled bankruptcy but I want to pay these people. They have also reported this to the credit bureaus to hurt my credit and to black ball me. I was told by XXXX XXXX relief not to talk with them after asking them not to call my job. I trust that this issue will be handled in the appropriate manner.
In XX/XX/XXXX, I received a letter AND a phone call from Portfolio Recovery Association claiming I owed {$420.00} from XXXX XXXX. I asked for proof of what was purchased at that time and they said they couldn't provide the proof because the debt was from XX/XX/XXXX and " their records don't extend that far. '' I then said that I would like to report theft and to please send me an identity theft form to fill out, which they agreed to do. Four days later, I get the same letter I received the first time with no identity theft form to fill out and the phone calls still continue. From XX/XX/XXXX to XX/XX/XXXX I have been receiving calls from different numbers from Portfolio Recovery ( at least 2-3 times a day ). The phone calls got so out of hand that I ended up having to cancel my landline because of Portfolio Recovery 's constant phone call harassment.
I deposited what turned out to be a fraudulent check drawn on Wells Fargo by mobile deposit to my savings account at Wells Fargo on XXXX at XXXX XXXX Time for {$2400.00}. They gave me full availability of the {$2400.00} on XXXX at which time I withdrew {$2200.00} and the bank then returned the deposited check on XXXX creating an overdraft in my account of over {$2000.00}. Wells Fargo rep explained that they do not process mobile deposits until late the night one day after the deposit was made. This means they honored the withdrawal request before they processed the transaction. That gave me the false assurance that the deposited check was good. The cash is gone to the perpetrator and now they want me to cover the overdraft. The fact they wait a whole business day before processing these deposits is for their convenience and the consumer should not be held accountable for the consequences of this delay. Also UCC 4-301 ( b ) addresses the final payment of on-us checks deposited and states that the payor bank has until midnight of the next banking day to decide whether to honor the check. If they do n't act by midnight deadline, they lose the right to dishonor the check. 4-214 ( c ), 4-301 ( b ). The mobile deposit confirmation states " The following mobile deposit was made on XXXX at XXXX Time '' and her account statement shows the deposit under the posting date of XXXX. Therefore, applying UCC 4-214 ( c ), the deposited check drawn on Wells Fargo should have been returned and charged back under the posting date of XXXX. It was not. The chargeback is posted under processing date of XXXX.
On or around XXXX XXXX or later I tried to use my prepaid Rush card to by groceries for my family. I put my items on the counter and the cashier began to scan. Now it 's time to pay, as I swiped my card it kept declining it the cashier even tried to swipe the card her self because I told her that something has to be wrong because I know there is money on this card. The cashier told me that maybe her system is down, so I put the groceries back and proceeded to another store. At the other store as I swiped my card it read the same thing ( DECLINED ), now I am saying something has to be wrong with my card. This was a total embarrassment for me. I should n't have to suffer just because this company wants to upgrade their system. There has to be a better way.
XXXX, XXXX Iowa Sheriff The XXXX Clerk of Court of Iowa, XXXX Assessor of Iowa, XXXX XXXX Law Firm, XXXX and Wells Fargo unlawfully foreclosed and let someone purchase my home. Also VA employees, Wells Fargo employees who were involved in deceptive practices. I used XXXX to complain through the VA and the XXXX XXXX XXXX loan center got my VA loan entitlement back after the documentation and phone calls I have provided. XXXX owes me XXXX for doing this. Wells Fargo owes me XXXX for what was owed on the house. Clerk of court of Iowa owes me XXXX. XXXX Sheriff owes me over XXXX for the merchandise they threw away when they forced me to move due to a writ of removal that should n't have happened. Would like the XXXX Sheriff to pay my moving truck costs and storage unit costs of about {$1000.00} dollars.
I was supposed to receive XXXX free miles from my XXXX Mileage Plan credit card. Bank of America ( BofA ) denied me from having these free miles because I did not spend over a thousand dollars within three months. I had spoke to different people from Bank of America within those months, and they had stated to me that I had spent over a thousand dollars. They also stated to me that they would look into my account to see about a line of credit increase, and they never did. Today I had employees and supervisors mock me on how I spoke. They tried to belittle me by yelling at me and stating that I need to do a better job of reading my contract. The last person that I spoke to laughed at me when I tried to explained to him the seriousness of this problem, and he would not hangup so I can use my phone. When I tried to talk to him he would not say anything but I can hear him breathing.
I have made payments that are not applied to my account. I was working with the company and sent numerous forms of proof several times. For 3 and 1/2 weeks no one would speak or help me. Then all of the sudden they started talking to me with no explanation on why they stopped. I have had to start over to prove my payments. This company is a disgrace. Not only are they charging me fees, they have put my account in collateral recovery. No one knows what they are doing at this company and they charge horrible interest and keep adding time and fees onto my loan.
I have an international account at Citibank which I 'd have since XX/XX/XXXX. They have blocked the account so that I have no access to my funds, no way to write a check nor receive my social security and pension payments. The reason for the block is that I would not answer the questions below. When I told the account representative I felt they were too personal, I requested her to make the account a non-international account. She was going to check with her supervisor and get back to me. She did not get back to me, but blocked the accounts on XX/XX/XXXX with no notice not an email or phone call ; both checking and savings accounts. 

o I believe the questions being asked are unreasonable for a customer of 23 years which has not had an usual activity and who has had my salary directly deposited for the full time. There is a growing concern about identity thief. This level of detail is unnecessary for a savings and checking account. 
o I should have been notified by a phone call. This is a serious matter. Checks that have been written have been rejected. This is going to reflect on my credit score which I 've been very careful to maintain at a high level. 
o Social security requires three months ' notice for a change in direct deposit. I will miss these payments until XX/XX/XXXX. I am also missing my pension and annual company bonus as well. 
o I have spent endless hours trying to get to the right people to resolve this issue. I will be happy to supply all the information and who was contacted. A resolution of this is critical. 
The questions are below : In order to complete the account review, we need the below information for both signer : 1 ) Employer name, position, current total compensation including bonus, how long have been working with the company and what was the total compensation for the past 10 years 2 ) Cash balance in USA, Cash balance offshore ( if any ) 3 ) Any investment portfolio, if yes, is it in USA or offshore, what year was the investment started, what was the initial investment amount and current portfolio value, what was the average income for the past 10 years 4 ) Any real estate, it yes, please provide below information for each real estate : - Location, USA or offshore - Purchase year - Purchase price - Any mortgage when purchase? If yes, what was the mortgage - XX/XX/XXXX market value - XX/XX/XXXX remaining mortgage 5 ) Current ID copy, it could be a passport copy or driver license copy
They charged off my account. I never missed a payment, so how can this be? They told me they charged off my account, because bank did a return check for speculation of fraud. These people who work at the bank, are liars! I needed this deleted off my reports.
Apparently a company called TSI has made repeated calls to my parents home phone after being repeatedly told that this not my phone number. Additionally I know nothing about this supposed debt and have not been provided anything whatsoever in writing.
Received marketing letters once a month from Chase for the last 18 months to apply for the Chase XXXX Credit Card. Four of these letters are currently in hand. All advertise the ability to apply for a credit card with a given sign up bonus and state that you will be considered if you do not current have the card nor have received a new cardmember bonus within the last 12 months. No other limitations are stated on the mailings limiting the application or guaranteeing rejection for certain subsection of candidates. 

The application rejection letter was sent out on XX/XX/XXXX and received it on the XXXX. No reconsideration was implied and no number or contact information was listed. After rereading the back of the letter and searching online, I discovered that they have a policy of denying and not reconsidering all people with 5 or more new accounts in the last 24 months. This information was not listed anywhere on their website or on the application. They claim it is not a policy, but a rejection reason. They did not offer any proof that it was not a hard policy or rule. This adversely impacted my credit score based on an unwritten policy claimed to be a trade secret when it is currently public knowledge. This also constitutes false advertising as it implies consideration when none is intended. They also are collecting financial information at the detriment of the applicant with no intention of offering the card, but to a subset of individuals for non-credit worthiness reasons. The original rejection reason also discriminates against age since younger people would open more accounts within a 24 month period than older, established individuals.
I was informed that I am a victim of three data breaches since XX/XX/XXXX and have placed security freezes on my credit reports with the three credit bureaus. On XX/XX/XXXX, I applied for a credit increase on my XXXX XXXX credit card which I have had for over 6 years. I was denied the credit increase based on Experian 's inaccurate data reporting of inquiries. The denial letter is attached to this complaint. Experian is reporting unauthorized inquiries on my credit report. They have now caused me financial injury as well as defamed my reputation with XXXX XXXX. I am requesting that they provide me the authorizations for the following inquiries that they are reporting on my credit report or delete these unauthorized inquiries immediately. The inquiries and dates in question are : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,.
TRANSUNION is reporting inaccurate information on my credit report which is causing me great emotional & financial distress. I 've been disputing an account which reflects on their reports as XXXX XXXX XXXX / {$210.00}. I have no idea who this company it is & feel the reporting of the account in general is a severe violation of the FCRA. ALl information is supposed to reflect 100 % accuracy. I do n't know about you but this is very confusing. I 've asked them to remove it twice & they continue to claim its been verified. I 've done some of my own due diligence & think I know who the company is so I sent them a letter requesting further information as to how this information was verified & has received nothing back from them as well. Since no one is able to verify the accuracy of the information & the data furnisher has failed to respond to my request for verification as well I would like it removed immediately. Both XXXX & XXXX have both removed the alleged account ...
I only use my walmart store card to keep from having it cancelled. My sons a college student had his card cancelled for non use. I made a small purchase in XX/XX/XXXX and paid it off. Made another small purchase in XX/XX/XXXX and thought i paid it off online via wlamart.com but that seemed not to work i didn't receive a statment after that probably the mail courier.i have an apartment style mailbox system where i live. Nevertheless. So i thought all was good until credit sesame showed a past due report.i was out of town at the time. so i immediately searched walmarts payment site and paid the account in full. I also noticed that my {$400.00} account had been reduced to a mere {$110.00} just {$9.00} short of my now due payment which included aprox. {$60.00} in past due fees. So it appears that i maxed out the account by a $ 30- {$40.00} purchase. My credit dropped 47 score points from XXXX down to XXXX. From excellent to a fair rating.
I call XX/XX/XXXX Thank you for calling us about transactions you did n't recognize on your account or card. Your claim number is XXXX. The bank says can not solve my problem. they told me they will be investigated but they did not do anything the fix the issue and some body was used my debit card many times in XXXX XXXX and also they withdraw money from my cheking account.
so i saw a unusual activity on my bank account on XX/XX/2018 that someone ( cashnetusa ) company kept trying to take {$200.00} or {$230.00} out of my bano account so i was like wats going on .. to make a long story short my bank was overdraft due to me not wrking last time i wrked was XX/XX/2018 nd had a XXXX  injury nd had XXXX since was off clock didnt got paid so bank was overdraft due to not having money in it nd not making cards payments nd stuff ... anyhow i dnt usually check my bank account but tht day i did becauz XXXX XXXX XXXX has policy they charge u overdraft fee of {$35.00} so i went in to the XXXX  XXXX XXXX spoke to a representative about this she changed my card nd as i got a new card i was still seeing cash net was trying to take money out so i went to bank again so we contacted them they said i got a loan of {$200.00} from them nd i have to pay it back i said wat when i never got any loan from u guys they said theres a loan taken on ur name for {$200.00} on XX/XX/2018 i said i never applied for one i had a injury nd im not even wrking and y would i apply they said well too bad u have to pay thts not our business we will send it to collections nd they will take it from u we dnt care it was the manager at cash net who i spoke too at phone call she was super rude .. my bank lady closed down my account nd card nd opened me a new one stating its a fraud spoke to the fraud company dn was told to let social security office knw too went in there too cauz had to change last name since got married told them they said just file a complaint to XXXX  explain them they will take over now i got a call again from cash net threatening me to sell my info to third party to claim {$250.00} but i never took any loan of {$200.00} nd someone used my info im so scared i dnt knw wat to do
Several months ago I purchased about {$6000.00} in furniture from XXXX. 
I was offered to finance it interest free by their credit company, XXXX. 
I accepted the interest free offer and financed the purchased with XXXX. 
The only reason I accepted their offer is because its INTEREST FREE. 

Within about a month or so my credit score dropped from above 800 points to about 750 points. What a shocker!!!

Consider this. I have an {$11000.00} credit line with XXXX XXXX, and no matter how much I charge on this care I pay it off completely every moth BEFORE any payment is due. I could have put the furniture on this care but why ; when I can spread the payments over a year or two, interest free. Its simply good business to do this. Further, I pay all my bills on time every month!!

The three credit reporting agencies have little or no respect for the average consumer. This kind of treatment is a SHAM!!!!