WillisBack/dataset-financial-user-claim huggingface dataset:
A short while after opening the XXXX account, I called ( unfortunately I didn't write down the female 's name or the date ). I did not understand how the payments posted if you have delayed interest along with regular purchases, so I called for an explanation so I would not have to pay the interest in the special financing purchase.. What I was told after calling on XX/XX/28 and speaking with XXXX regarding the interest of {$350.00} posting to the account and what I was told previously did not match. I know that some representatives explain information different/incorrectly at times, but if they sound confident, like the representative I spoke with on the first call, I usually don't make a second call to verify information.
> Two ambulance rides were provided for a Veteran on  XX/XX/XXXX  by   XXXX   XXXX   of Indiana.
> Two claims were submitted to the VA for payment : #  XXXX  and #   XXXX   > VA paid #  XXXX  o n   XX/XX/XXXX in amount of {$300.00}. EFT #  XXXX  VA paid #  XXXX  on  XX/XX/XXXX  in amount of {$290.00}. EFT #  XXXX  >   XXXX   XXXX   claims to have no record of payment for #  XXXX  ; and sent Credence collections agency to seek payment from the Veteran directly. Previously, another collections agency was also hired to seek payment for both claims from the Veteran.
> Despite being given the Electronic Funds Transfer number, the Tax ID to which it was paid - #  XXXX  and the bank account to which it was transferred -  XXXX  Acct. - XXXX ,   XXXX   XXXX   refuses to acknowledge payment and has only placed this account " on hold '' rather than closing this claim.
> As a result of this process, the Veteran has suffered severe stress and has had his credit damaged for a debt that he was never responsible for and a debt that was satisfied by the VA as documented.
On Saturday XX/XX/2018 I discovered my TD bank account was overdrawn by XXXX dollars. I discovered it was from an unauthorized TD discretionary overdraft program that I did not enroll in. I had called several months previously due to having overdraft charges and was told I would be unenrolled in program. I assumed any deficit in my account would result in payment being declined. I called my branch office and spoke to XXXX who explained to me that the feature was never turned off. I went into the office to sign form to turn off. I had my daughter make a XXXX transfer of XXXX dollars. I also transferred XXXX from my savings account. I reached out to customer service on XX/XX/XXXX because I was hit with more overdraft fees because they did not credit my XXXX transfer automatically as it has in all previous occasions. Customer service manager refused to credit my account because he did not have access to phone call that was made previously where I was assured feature would be turned off. My account is now {$190.00} still overdrawn. I am a XXXX adult that only receives XXXX and pension payments once a month. That is reason why I prefer to have my purchases declined and not to be provided payment for a cost of {$2.00} and be charged {$35.00}. Each day they charged me {$170.00} in overdrafts. Even when I made transfers to cure my default that was their fault for advising me that this feature was not on. They require you to sign a form to turn the feature off but I never signed anything to turn this feature on. I also was told by their customer service that I would not have this feature on when I called several months ago.
XX/XX/2016 who told sps to take my insurance claim check and apply it to the interest portion of our mortgage? Was it an accident, or who was the bank/lawyer that told them to do this?
On XXXX XXXX XXXX, I went to drivetime.com and applied for financing, which they said I was approved for. When I went in the dealership, the manager told me that I was n't qualified for what the website said I was and if I wanted that vehicle I would have to put almost XXXX down. So they had me try their no hassle lease program. I put down close to XXXX for this program and they gave me a XXXX ford fusion. At first glance the car was great, after test driving it you car hear something was wrong with the tires. When I brought it to the salesman attention he said the previous owner drove it hard. I asked for a car fax and he printed some report that showed the car had been in a XXXX accident but he insured that all repairs and inspection had been done. I took possession of the car with what I thought was a safe vehicle. Almost two weeks later the car stopped running. I had to have the car towed because the warranty did n't cover it. Got to the mechanics and they had to keep the car for 5 days, they said the car needed new wheel barrings, tire rods and an alternator. After that was fixed the car bike down again and had o slow drive it to an approved mechanic that held it for three days and it was the ac unit. Because this was after 30 days they tried to make me pay for this. All these problems should have been found in their inspection of the car before selling it. I had to end up returning the car and putting XXXX down on another vehicle at another dealership.
I 've had a bank of america credit card for XXXX years. This month I was charged XXXX $ interest fee on purchases, with a purchases balance of XXXX $ that ran out the XXXX percent apr on XXXX/XXXX/2016. I had been diligently paying the card off, but found out that those payments were always alloted to my promotional 0 % offer of balance transfer currently at XXXX $ that does n't expire for another year. They say they have the right to apply the payments to the oldest promotional offer, but the wierd thing about it is that they intentionally were not showing me that truth on my statements. In my statements for months now they state the XXXX promotional offers and their expiration but next to them where they say " balance subject to interest rate '' all the lines just have had XXXX. So I was never shown the balances of my promotional rates, They kept that to themselves. Basicly so I would n't notice that I was paying off my XXXX percent and piling up my now to be 20 % interest rate. This is underhanded and a direct lack of transparency that misleads the consumer. I 'm wiser now but in worse financial status that I would have been had I known, had they disclosed in their monthly statements what my balances subject to different rates were. Which seems to be the whole point of having that interest summary at the bottom of every statement. But its intentionally left undisclosed so that I do n't have enough control or choice over my relationship with the card issuer.
In late XXXX, 2015 several pieces of mail containing checks were stolen from a mailbox in front of a post office. XXXX check were written on a Chase bank account. Of these checks, XXXX were fraudulently cashed by the thieves and copies of these checks were also then washed and forged with unknown payees and cashed again resulting in XXXX frauds on each of these XXXX checks. The third check was cashed by an unauthorized party even though the payee wasnt altered. A police report was filed and Chase was notified of the thefts early in XXXX, 2015 and the account was closed. 
Several trips were made to the bank in the six months since the frauds took place and Chase has given credit for XXXX of the XXXX checks in dispute but Chase has failed to issue credit for the XXXX remaining frauds citing still pending review. 
I believe six months is more than adequate time for a review to have taken place and they have cited a lack of personnel in their reviewing department as a reason for the delay. I believe since they are responsible for the delay, the funds should be credited to my account in the interim. 
In addition, on my most recent visit to the bank to discuss the status, I was informed a letter was sent out me explaining the delay but as of today no such letter has been received.
Firstmark Services ( a division of Nelnet ) is calling me every 10 minutes despite my request that they not do so. I have been late with my student loan payments the past 2 months, but I always pay : I have paid my loans consistently for over 12 years! They are intentionally harassing me with extremely frequent phone calls, instead of leaving a voice message or sending an email. I found multiple similar complaints by XXXX searching their phone number, XXXX. They are also using some sort of countermeasures to circumvent call blocking ( after successfully blocking their call once today, they were able to AGAIN ring my phone about 10 minutes later ).
I have contacted XXXX XXXX using the CFPB PORTAL on XX/XX/2018 to validate a car loan and they have still not sent any paperwork to me to validate the debt according to the FCRA Furnisher XXXX ( a ) the furnisher have 30 days to validate a debt when requested by consumer or it most be removed if not validated in that time frame.Time frame has pasted 30 days Remove from my credit report immediately debt not valid.
Chase cards out of XXXX Ohio continues to charge me interest monthly, even though I pay my bill in full monthly by the XXXX of each month.. I have called time and time again 3 months now in a row their dispute department, and still they can not seem to properly correct the problem. They tell me I did not pay my bill on time which is incorrect. 
They seem to be very incompetent. I am requesting that Chase makes sure to solve the issue immediately or I will be dropping there services and banking. Also they refuse to agree with me on over charges from an XXXX XXXX 2015 statement bill from XXXX XXXX XXXX in XXXX XXXX of a {$50.00} credit. Reason .... XXXX XXXX billed us for two nights and we stayed one night. We arrived late the next day due to traveling complications. And my wife and i stayed one night. I submitted all paper work to Chase dispute with a negative response. I paid a deposit of {$34.00} and then got billed another {$100.00}. The room we stayed in is {$65.00} a night not {$100.00} a night. This included the resort fee etc I am a long time customer of Chase with good credit who pays my bill in full monthly. I expect better service with support. I 'd like an executive to call me at home XXXX eastern time any morning and solve these XXXX issues for me.
We had a loan with Suntrust mortgage. We ran into personal issues and I left my job as a Nurse to care for my mother. We called Suntrust they offered a XXXX modification. We started trial period XXXX, XXXX XXXX We payed everymonth on time. The XXXX payment was showing late. When I called suntrust they said the date was the date they were able to apply the full payment. The XXXX payment to the loan modification was also late payed by Suntrust. But the XXXX payment is showing on time. We had a full offer on our home and Suntrust gave us a payoff greater then the amount owed. We had to pay {$6000.00} more then owed. Suntrust said we never completed the XXXX Modification process. The loan modification process was started XX/XX/XXXX, We sold our home XX/XX/XXXX. We are now trying to purchase a new home. We are told we are still in a " partial Payment Process with Suntrust. When on XX/XX/XXXX, the loan was statisfied at a greater amount that was due. I tried to clear this with XXXX, XXXX and XXXX. This has been a nightmare. We are trying to get into a less expensive home. Suntrust refuses to update the credit report showing we are not in a partial payment program. THe loan modification is still showing on our credit report and we cant get new financing.
Caliber Homes Loans ( XXXX XXXX ) is trying to collect on a debt that has been charge off, while debt was still being paid on auto pay, with out having the complete file they claimed was transfer they have start foreclose without sending, breach, acceleration, nothing. 

My mother had credit insurance on the mortgage that was filed in Official Land records of XXXX County. with no corrective or any paperwork to prove there claim that she did not have it. after finding out that a trust ( XXXX XXXX XXXX XXXX  ) is  not an actual bank, but a trust with no documents. refuse to supply information requested. 

Asking for Validation. as the records in the county do not support what they are claiming as investors.
XXXX XXXX claims my wife XXXX made a {$60.00} clothing purchase on XX/XX/2018. We have no physical credit card but have had XXXX XXXX credit for nearly two decades. No statements were mailed to us prior to the first week of XX/XX/2018 after I called XXXX XXXX collection department and demanded explanation and a statement. It is worth noting that XXXX search uncovers numerous similar complaints as mine here. This is like a loan shark deal. My wife and I have the highest rated credit and never had issue shopping at XXXX XXXX for over 40 years! The only notification we had of this charge and outstanding bill were the sudden harassing robocalls we received the last couple weeks of XX/XX/XXXX. XXXX XXXX has taken this {$60.00} clothing charge and ballooned it to {$210.00}! They charge {$38.00} plus nearly 20 % interest ( nothing we ever agreed to or were aware of ) or monthly 2/3 the amount of this purchase. XXXX XXXX charges us double the item purchase in a three month period. This is usury and they have only threatened to increase these charges should we decide not to pay up, thus strong arming senior citizens. Calls to their collection department and attempts to be reasonable have failed. XXXX XXXX talks customers out of using their major credit cards to purposely bilk ridiculous monthly late fees and charge interest several times any going rate.
I have disputed incorrect addresses and names on my credit report with Experian multiple times.

Currently Experian is reporting multiple addresses for me that do NOT belong to me. I have no accounts on my credit file linking to any of these reported addresses. I have supplied my ID multiple times and they still refuse to correct the issue.

My credit report is reporting 2 addresses for me : 1. XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX these addresses DO NOT BELONG TO ME. I should only have 1 address reporting and thats XXXX XXXX XXXX XXXX, PA XXXX
Below is the e-mail sent from XXXX XXXX regarding the account that is now listed on my credit as derogatory. I have been dealing with this for more than a year. I have personally gone by their office to pick up the form that XXXX is requesting with no luck. I also have the letter sent to them regarding all times and dates of attempted contact. They are provided as attachments. When does it stop and what can I do about the harassment? 
Hi XXXX, Attached is a Final Notice letter which outlines the attempts made to XXXX XXXX XXXX, XXXX XXXX XXXX and Meade & Associates Inc. Ive also attached the bill return letter that was sent to Meade & Associates Inc on XX/XX/XXXX. 
The outstanding balance is {$210.00} {$51.00} for date of service XX/XX/XXXX {$150.00} for date of service XX/XX/XXXX The providers have all been given the needed information for billing purposes. 
Claim number XXXX Claims Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Claims Adjuster : XXXX XXXX Claims Adjuster Contact : Phone : XXXX and Fax : XXXX Providers contact information for your records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX P : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX Acct No XXXX P : XXXX -- - XXXX is the supervisor. 
Meade & Associates INC XXXX XXXX XXXX XXXX XXXX, OH XXXX Acct No XXXX XXXX -- - XXXX is the contact handling the file. XXXX ( at same number ) is the reported supervisor. 
As outlined in the letter, I have referenced the KY XXXX XXXX statue which states the provider can not balance bill the injured worker and the statute which states providers have 45 days from the date of service to provide billing information for payment. -- -- I have attached the full statute for your reference. 
If you need anything additional from me please let me know how I can help resolve this ongoing issue. 
XXXX XXXX | XXXX | Claim Representative, Medical Only Claim Adjuster XXXX XXXX XXXX XXXX, KY XXXX XXXX ext XXXX phone XXXX fax XXXX email XXXX
I applied and received a conventional loan from Mortgage 1 Incorporated dba XXXX XXXX XXXX XXXX in late 2015 for a Manufactured Home. This was a conventional loan and at the time was pleased with my experience. I am now in the process of selling this home and had made the decision to purchase a new home with the intent to sell the manufactured home. 

The issue I am now faced with is that according to HUD regulations I should not have received conventional lending for this home in 2015 due to the manufactured home having been moved to a secondary location. We were in the closing process with a buyer when their lender and title company brought this to our attention. I have talked to at least a dozen lending institutions, some of which specialize in Manufactured Home loans, and they all have said that I should not have been able to receive a conventional loan on this manufactured home. Due to this coming up during the week we were to close with the buyer they have decided to pull out of the offer. This is forcing us to put the manufactured home back on the market at a discount in the hopes of finding a cash only offer or someone who can qualify for a higher rate personal style loan for the home. If I am able to sell it at this discounted price I will have lost {$20000.00} between the first buyer and any potential buyer. 

Additionally, had I known we would have had re-sale issues we would not have made the decision to purchase a new home at this time or possibly never purchasing this Manufactured home in the first place.
XX/XX/2018 received letter saying verified account. The account is closed and charged off, but still reporting on my report. The company is XXXX XXXX XXXX XXXX  and XXXX XXXX which sold the account to XXXX and ALL are reporting.
I was married and we had a joint mortgage through XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I got divorced in XXXX 2013 and the house was refinanced by my ex husband IN HIS NAME ONLY in XXXX or XXXX of this year. I 've tired for 3 months to get the remaining balance of {$140000.00} OFF my credit report and the credit agencies keep telling me it is my responsibility even though the credit union shows no record of me on the account.
I opened up an account on XX/XX/2018 and it is only one account an they have have it listed as two synchrony bank accounts, I have attached a copy of my credit report and XXXX  is showing this, I want this corrected thank you.
I found an account on my husbands credit report for {$100.00} for  XXXX   XXXX  from  Columbia Collections  we had received zero paperwork from them. When I contacted them they informed me it was an old medical debt. This amount was never put on my credit report only my husbands. The account was paid in full on  XXXX / XXXX /  XXXX  . This company then on  XXXX / XXXX /  XXXX   filed the account as outstanding on my credit report after it was paid in full. Now they are refusing to provide me with my accounting of this account that was already paid. They said they do not have to provide me with detailed accounting that shows when they report to credit companies. I have issues with a company that is reporting a debt that has been paid in full after the fact to my credit report, this is against the law and the fair credit reporting act.
My Mortgage was transferred in XX/XX/XXXX from XXXX XXXX XXXX to Carrignton Mortgage Services. I  have continually asked them when they will start reportiing to the major credit bureaus as this is affecting my credit score and they will not respond or give me a positive answer after many calls and follow up. The customer service at this company is no where near the level of XXXX XXXX XXXX and seriuosly needs help.
I would like to express my sincere disappoint in Ocwen handling my complaints thus far.. As of XXXX XXXX, XXXX, All of my other requests have been unanswered which is a violation $ XXXX of TILA ; XXXX C.F.R XXXX ( c ) ( XXXX ) ; XXXX ( f ) ( XXXX ) of XXXX I received a letter on XXXX XXXX, XXXX that the loan was not eligible for cancellation of the Escrow account because it 's currently showing a negative balance. You 'll did not even perform an Escrow analysis. Prior to your response, I 've included all invoices showing that the amount which was paid to the XXXX XXXX was not the amount that was escrowed yearly since servicing the loan. Please also note that upon further investigation, XXXX XXXX XXXX Chapter XXXX Bankruptcy proof of claims reflects that no XXXX taxes were paid to/from Ocwen Loan Servicing or XXXX XXXX from XXXX XXXX XXXX. It was the Debt was expunged through Bankruptcy. All money that I paid, should be refunded. 
In a Affidavit, XXXX XXXX XXXX states in the Bankruptcy proceeding that request immediate abandonment and destruction of certain loan files because they do not hold any interest in mortgage loans. " The loan files have no value to the Trust and not needed to proceeding in the Bankruptcy case. The motion which was Granted and in that order the Judge placed a value of XXXX cent on the dollar for each loan Ocwen Serviced. Ocwen Loan Servicing , LLC Claims was EXPUNGED through the Bankruptcy.
In late 2014, I removed overdraft protection services from a Wells Fargo checking account. I did so while going through tough financial times to avoid the large and onerous {$35.00} overdraft fees. Through my Wells Fargo debit card, I have multiple automatically re-occurring payments set up for services like XXXX, XXXX and XXXX streaming video services. In the past when my account balance has been insufficient to cover those transactions, they 've been denied by the bank as expected. I can point to specific instances on XXXX XXXX and XXXX where this occurred. Last month, on XXXX XXXX, a payment was submitted by XXXX for {$8.00} when my account balance was a negative balance of approximately {$240.00}. As expected, the payment was declined. On XXXX XXXX and XXXX, I made deposits to my account totalling {$220.00} to bring my account balance to about negative {$20.00}. On XXXX XXXX and XXXX, XXXX reoccurring payment were submitted for which my account balance was not sufficient. Contrary to my expectations, these payments were authorized and I was charged for XXXX seperate {$35.00} overdraft fees, a total of {$100.00}. In contacting Wells Fargo today, they were unable to provide any explanation of why these payments were authorized and overdraft fees were charged, contrary to what has occurred on my account in the past. The only suggestion they could provide was that perhaps the merchant/vendor had done something different with the payments. To that end, I contacted the customer service of a specific merchant ( XXXX ) to check to see the payment they submitted on XXXX XXXX differed in any way from previously pre-authorized payments. Per their customer service, it did not. I was also advised that XXXX submitted another pre-authorized payment attempt on XXXX XXXX which was also declined by Wells Fargo. So far in contacting Wells Fargo, I have been unable to determine either why payments in the past they claim should have been authorized were not, nor why payments these payments were authorized, despite of payments for the same amounts from the same vendors in the past being declined. I suspect, though can not confirm, that there exists some rule within Wells Fargo ( perhaps unknown to their customer service representatives ) that overdraft transactions are somehow authorized or declined based off of account balances.