WillisBack/dataset-financial-user-claim huggingface dataset:
We finally got current on our mortgage payments after 2 years of conflicts and filed complaints with CFPB due to Wells Fargo admitted mistakes and admitted errors of a failed modification. 
At the end of XX/XX/XXXX, we made the final back/late bi-weekly mortgage payment in the amount of {$130.00} and our current bi-weekly payment in the amount of {$830.00}, which brought our payments current. I asked the representative to place us back on the automatic bi-weekly withdrawal for the amount of {$830.00} scheduled P & I ; instead of the minimum payment of {$830.00}. Because we had just made the payments, we asked the payment to be put back on the regular schedule before the failed modification and which we had been on for over 12 years ( The life of the loan ). This would make the next payment withdrawal XX/XX/XXXX. The representative agreed to what we thought was the final agreement. On Monday, XX/XX/XXXX, we received a letter from Wells Fargo via mail, which stated that Beginning XX/XX/XXXX and continuing each month thereafter on the same day, we will withdraw your monthly mortgage payment in the amount of {$830.00}, plus any additional principal you requested during enrollment. ( Please note that our mortgage payments have never been monthly but bi-weekly ). The letter also states that, our Preferred Payment Program option provides you with budget flexibility and convenience. 
I called, again, the evening of XX/XX/XXXX to verify my phone conversation and agreement with the representative of the agreement made to withdraw the funds on XX/XX/XXXX in the amount of {$830.00}, bi-weekly, and to refute the letter we received on XX/XX/XXXX. After speaking with another representative and a customer service representative, I was told they see what was discussed and agreed upon in the files and they also see the letter that was mailed out. The customer representative also stated the withdrawal with take place on XX/XX/XXXX. I again informed him that this was not the agreement and that the money would not be in the account. I dont have it. I asked to cancel the automatic withdrawal scheduled and we would go online and pay it on XX/XX/XXXX and will continue to do so manually. I also explained that I understand the mortgage is considered late at that point but would rather pay the late fees than the abundance fees for an overdrawn account because the money is not there. He agreed to stop payment. 
Please help us resolve the following : 1. As a flexibility and convenience option, we are again requesting a flexible automatic withdrawal payment date beginning XX/XX/XXXX and bi-weekly thereafter in the amount of {$830.00}. 
2. We request that Wells Fargo correct their records to indicate and reflect that our mortgage payments are bi-weekly and have been for the life of the loan since XXXX. Wells Fargos correspondences ALWAYS state that our mortgage payments as monthly. This mistake was a huge error in our being behind on our mortgage in XXXX ( After errors in a failed modification. Please see the previous correspondence of our complaint filed ). 

Thank you for your attention to this matter. 
XXXX and XXXX XXXX
XXXX University XXXX - XXXX, Florida. I attended this school for my XXXX. and XXXX. degree. They lied about job placement numbers, lied that the degrees I was seeking would be get me the job I wanted, lied saying that my credits could transfer to any other school, and they were under investigation from the gov't at least XXXX time while I was there and that is why they changed the school name from XXXX University to XXXX while I was still attending. Since then, XXXX has numerous lawsuits filed against them for misuse of funds and for fraud, including another gov't investigation for the same allegations. They have filed bankruptcy and closed many schools, and the ones still open are no longer allowed to accept students.
I opened my account in   XXXX   XXXX   XXXX     promised I am opening a veteran account and would be charged no monthly service fee. If you check my bank statements attached you will find that they did not charge me service fees. I kept calling  Wells Fargo  every month once i found out and was able to get the fee reversed each time spending hours on the phone and at the end of the call having their representative state that this is a  one tim e courtesy refund and my rebuttal of I do not accept this as a  one time courtesy but a  need for you to fix the promise made when I opened the account. After the 4th time and going through several managers I decided to just close my account, because  XXXX  offers premier bank accounts to their veterans with safety deposit boxes, and keeps their word to veterans. So I am out all of those monthly service fees they kept charging me for years, and this leads to yet another reason I am writing. After closing my bank account  2 co mpanies,  XXXX  and  XXXX , sent me refunds to my account on file, they instructed me that typically the bank sends the money in the form of a check to the recipient or contacts them. I called  Wells Fargo , they claim no refunds await me, and yet both companies state  Well Fargo, " has the funds. ''
Have sent several letter to ALL XXXX credit bureau trying to get down to the facts of there investigation process. They have not responded back to me at all. EQUIFAX , XXXX continue to report third party information. Collection agency buying debt for penny on the dollar have no binding contract with me or any one else for that matter. I would like immediate resolution removing all the fraudulently negative accounts from my credit report.
Misrepresented time to repay the loan and when interest would start. Took advantage of an elderly person with poor eye sight and poor hearing. Charged 26.9 % interest.
As many filed complaints against XXXX XXXX XXXX, why this vehicle lender does n't want to reduce my interest of 17 % on my vehicle loan. 
My balance on my vehicle loan keeps rising and there is no remedy for my issues. 
XXXX XXXX and law firm are stating there is no remedy and I am not eligible for a rate reduction. 
Federal Government should regulate Prestige lending practices so Military Veterans and Citizens in the community does n't have to go through the dilemas I am going through. 
There is a {$480.00} collection that Prestige is going to report to XXXX, XXXX  and XXXX and put negatives on my credit report. 
I am XXXX XXXX and XXXX and a US Military Veteran. Plus Divorced.
I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution. 
Inquiry is from XX/XX/2018 XX/XX/2018
I signed a contract with XXXX dealership XXXX  XXXX XXXX They told me 35 months I was going to pay XXXX a month but I didnt see on the small letters they are charging me 11 % dayly of the unpaid loan Witch is XXXX Made my first payment of XXXX Principal went down only XXXX Then the payoff amount every day keeps going up I didnt know Im paying dayli interest They never told me that
This collection agency has placed a negative trade line on my credit reports indicating I owe them, or the original creditor they represent, money. I have not received any notices in the mail regarding this account nor was I given the opportunity to dispute the validity of the debt. Once this trade line appeared on my credit reports, I sent a certified letter to this collection agency requesting validation of debt. I have received no response. I sent another certified letter to them informing them I intend to sue for violating my rights under the FDCPA. I still have not received a response. The trade lines are continuing to appear on my credit reports even after I have presented the letters to the credit bureaus. Collection activity continues to occur after I requested validation. The lack of action and/or response by this collection agency demonstrates noncompliance with section 809 of the FDCPA.
I have 2 XXXX XXXX XXXX credit its closed but the reason is CONSUMER XXXX.i was pay off and no balance.
On XX/XX/XXXX Navy Federal Credit Union deducted XXXX from a joint account I had with my significant other and listed the debit as a DR without notification to me at all. The debt had started to be paid off with {$50.00}, which was stated to me and it dropped off. I have reached out to this establishment several times to their office in my area and over the telephone to come to some sort of real closure to this issues. I have even tried to speak to the person who withdrew the monies from a new account that I had established with them for almost 2 years now. The representative said they have the right withdraw the monies that was owed anytime they wanted and their is no limitation to how long a debt is owed if it comes around they will just collect with no warnings. Again that was the monies that said was owed is an old debt from XX/XX/XXXX/XX/XX/XXXX which the representative said she sent several years ago. I am not saying the debt should not be paid but I am really dissatisfied about the way the monies was deducted from an account that I have established with someone else. Even the employees in the credit union were not understanding why the actions were taken like they were. I have also found notification online from the XXXX  XXXX of the tactics the credit union have taken to collect monies and have a suit against them in previous years that they do owe consumers more respect in the way they want to collect old debt from customers. 

I'm just having a hard time with the way the monies was taken without any further notifications or warnings and think it is right after 7 years.
This account World Omni Financial has submitted my account to collection wrongly. 
There was a case and we were working on settling the balance with XXXX XXXX  XXXX XXXX. XXXX stated they would wait while the balance of XXXX was being collected from the dealer of the new auto. It now says charged off and in fact has affected my credit score severely and as you can see this was paid on XX/XX/XXXX. We had been in many conversations and they had agreed to wait while I was speaking with XXXX. 
I was absolutely NOT negligent and need this to be corrected for my credit evaluation.
All XXXX Credit bureau will not investigate legal activity submitted by XXXX ... They are reporting incorrect and criminal information ... problem part of them opening accounts with out permission.. I dispute with the credit bureaus and all they will send back is XXXX said ... if they are wrong and will not admit it how can they actually fix it ... XXXX can not be trusted but for some reason they get the final say in a dispute ... and the credit bureaus will not even let me dispute further or even give me an y info be sides what XXXX submitted ... why will they not hear my side ...
Pay Pal placed 5 inquires on my credit. 4 on XXXX, two of them were on back to back days XX/XX/XXXX and XX/XX/XXXX, one on XX/XX/XXXX, another on XX/XX/XXXX for  XXXX and then one for XXXX XXXX XX/XX/XXXX. I disputed these inquiries with XXXX and XXXX XXXX, they told me to contact the Creditor directly. I contacted Pay Pay and explained the inquiries were un authorized and could they provide me with documentation to show that I personally made those inquiries. They sent me a letter stating that the inquiries were authorized because of a check mark listed on an online application that says they can run my credit, however ; they did n't provide me with the copies of the applications or anything to show that I made those inquiries, they were not helpful to me in any way. I even have a fraud alert listed on my credit report and Pay Pal made no attempt to go through security measures to verify my identity.
Received unsolicited mail from Amex offering XXXX   signing bonus and other benefits. I applied under my name and not my husband and did not know I would not be honored the email offer. My card was approved and I have proof of their offer via mail. Amex does n't want to honor the XXXX to our account -my husband is on the card account with his own card. I still have not received, signed, activated or used the card and have notified Amex several times by phone, chat that I want them to honor the signing offer. Also have told them I wanted to be approved for the XXXX as I dont have an account per terms and conditions. They refuse to tell me how to file a claim, document my conversations in writing and/or honor the difference in points they offered us.
I am a XXXX Veteran that maintains excellent payment history. I keep getting this collection flagged on my credit report by Sa-Vit Collection Agency of XXXX, NJ XXXX and the debt is not mine. I Am not the joint account holder or signed a document saying i am the responsible party for the bill they are trying to collect. To my knowledge there is no document that they have that shows me as the responsible party. Yet, they are adding my name next to my wifes name. My wife didnt speak good english and I believe she asked creditor to call me to talk about the unethical collection on her behalf. The credit company then automatically attached my name to the debt ever since. They need to remove all traces of this collection from my credit report and if they do this again, I am requesting Bureau of Consumer Financial Protection to please fine them the maximun amount for each incident they mark on my report. I pay my payments on time and it shouldnt mess with my credit score nor report and cause me damage. They continue to do this and I am requesting consumer financial protection from these illegal practices. Thank You.
Value for the property came back way too high. Wouldn't have another appraisal done. Need to dispute value. Got construction company to bid repairs.
They call my cell phone but i cant answer my phone at work they pull a history and found my work number and they call me there tell me i need to paid this small balance i own yrs ago if not they will take legal action against me. They call mine my work phone with a different number so i can pick up and they call every 3omin and threatened me.
I have incorrect information on Equifax, XXXX and XXXX reported by XXXX ( XXXXHealth Care ) for the amount of {$720.00}. Submitted for collection on XXXX/XXXX/2012 to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through Equifax, XXXX and XXXX, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX.
In XX/XX/XXXX, we were pressured to try a {$6000.00} vacation club membership from XXXX XXXX ( Travel Club ) out of XXXX, Florida. The sales method was a ) predatory, as described in the letter to them on XX/XX/XXXX ; XXXX and b ) none of what they promised existsno services we tried to access worked. Consequently, we sought termination of the contract for reasons of false representation of the travel club, and full restitution of the {$6000.00} paid for membership. We sent them a certified letter to that effect on XX/XX/XXXX. The presumed debt was sold to XXXX XXXX, which is constantly harassing us with phone calls, and repeatedly pressuring my husband, XXXX XXXX, to make payments. I have informed them that we terminated our agreement for nonperformance and that my husband is retired, XXXX and has suffered from a XXXX XXXX. I have told them repeatedly to stop calling us. They continue to do so. I received such a call on XX/XX/XXXX, and told them firmly that we were filing this complaint, and to stop calling. Today, XX/XX/XXXX, they AGAIN called my husband and bullied him into making yet another payment! In addition to breaking federal consumer protection and credit laws, this also constitutes elder abuse. I seek restitution of the stolen funds and cessation of these calls.
Owner of this unit has neglected exterior maintenance since taking ownership in XXXX 2016. On XXXX/XXXX/16 the water authority had to turn off the water due vandalism causing water to flood into the neighboring unit and cause further damage to the exterior of this unit. After two weeks of attempts to get this situation rectified due to neighbors expressing concerns with potential mold spreading throughout the entire row of homes I have received no return calls nor have the owners cleaned up the exterior or interior of the unit.
I need your assistance in helping me to the Bank of America account removed from my credit file. This account was originally opened by me but since the account was opened, I lost my wallet and many of my opened accounts was compromised. I have informed my creditors that my account was compromised. So, this account should be removed due to fraudulent activities.
I opened a dispute for a XXXX $ charge dated XX/XX/XXXX with XXXX XXXX XXXX XXXX.

The charge was supposed to be for XXXX $ but the lady changed it and didnt give me a receipt. Chase later told me that the signature on the receipt was very different than my normal one.

Chase assigned a representative to my case who provided me with his phone number. I tried to call him to ask about my case, but every time it went straight to his voicemail. I left him several messages asking to be called back but he never called me back.

I called into the disputes department through the back of my card instead at least five times. I sent chase two faxes for my dispute and they lost both of them. They closed my dispute and sided with the merchant because they lost my faxes and I could never get a hold of the person working my case.

I sent them a secure message via their website to ask to reopen my case with relevant details. Today, after waiting on hold for 30 minutes, they asked me to resend them my letter again which is why I am writing this complaint. Their disputes department has been very negligent with my dispute. Their hold times are excessive, and their is a distortion problem with their call quality that makes it very hard to hear what they are saying. Goodbye chase.
In XXXX of 2014 on the dates of XXXX XXXX and XXXX XXXX, 2014 XXXX payments were made to Chase bank for the mortgage on our home. The payment of XXXX/XXXX/2014 was made by the program Home keepers the payment of XXXX/XXXX/2014 was made by my wife and I. Chase made an error and charged interest for the month of XXXX in the amount of XXXX. This was XXXX the monthly amount of interest due. Repeated letters to Chase bank have gone unanswered. I feel that Chase Bank purposefully will not answer our letters and that they purposefully charged XXXX the amount of interest that was due. 
Also the NJ home keepers was a program that helped us when my wife became unemployed and the banking theft and mortgage/housing crises, which no bank managers had to pay criminally and instead paid off small fines ( not fair ). However please also review this process because Chase and NJ Home keepers would not allow us to get assistance unless if Chase bank was paid a specific amount in arrears owed. This was not fair because we were never ever late on a loan payment and had no arrears to pay off, but Chase bank got thousands of dollars to pay off arrears which did not exist. 
I feel it is only right that these XXXX issues be looked at. 
We are so upset of how Chase can act without regard to the law, and yet if an individual steals bread to feed their family they can go to prison, and Chase bank can steal and manuiplate without any regard to any consequence. 
Please look into the XXXX matters XXXX being XXXX the amount of interest charged for XXXX 2014 and how Chase collected thousands of dollars in order for us to get assistance from NJ home keepers to collect funds for an account in arrears when the account was never ever paid late or in arrears.
While out of work and in financial distress, Sallie Mae strongly advised that I consider a forbarence on my loans. I have not been informed of any other payment options. Among this, I inquired on multiple occasions about receiving a reduction in the interest rates on my loans. With over {$70000.00} in loans, they were charging over XXXX % interest. They refused to work with me.
The balance on this account was supposed to be cancelled because the couch they sold me and charged to this account fell apart. They refused to honor the warranty they also charged me for. The couch was not fit for the purpose for which it was sold. The XXXX XXXX would not even take it because they would not be able to fix it so I had to pay {$300.00} to have it taken away. 

Nevertheless, XXXX XXXX has refused to credit back the account. They have also refused to stop taking payments out of my checking account. 

In sum, XXXX XXXX sold me a faulty product and a warranty on it that cost me more money and then refused to replace or repair the product and continue to charge me for it.
Experian website " credit dispute '' never works. it throws you to a page saying " we are experiencing technical difficulties and can not help you at this time. '' It does this ALL THE TIMe. I want an old bankruptcy removed should have dropped off my report 2 months ago : experian is making it impossible to get them to look at/correct by contstant website " sorry error '' URL when you click their " start new dispute '' button. 
thanks Bankruptcy chapter XXXX-discharged XX/XX/2009
I withdrew exactly XXXX from Coinbase on XX/XX/XXXX ( XXXX ) which on the Coinbase account shows Completed transaction but I never received the funds to this date XX/XX/XXXX to my bank account. I think what happened was that on the Coinbase account even after verifying with my new Passport and the Bank Account it did n't change the name on account to my name. We first opened it with my mom but since the names on the Coinbase and my Bank Account has to match that 's why I verified again and with no name change turns out. 
I know the name on Coinbase account and Bank Account has to match in order for the withdrawal to complete but now I 'm in a position where before withdrawing I tried to change the name by re verifying and thought it did it but it did not have been trying to contact the Coinbase support now for weeks but with no answers at all & the transaction on Coinbase account shows Completed for me but no money on bank account. 
Now for a while I 've had my full name there it 's just the support is n't contacting at all!! 

Case # XXXX Withdrawal reference - XXXX
In XXXX of XXXX I moved out of the state of Michigan. I was unaware that anything that my bank account at XXXX XXXX went negative. I had stopped using it when i moved. in XXXX i attempted to open a joint account with my teenage son at XXXX XXXX XXXX and was declined because a chexsystem report. I contacted chexsystem and discovered it was from XXXX XXXX. I contacted XXXX XXXX branch in which i had the account. They said the account was charged off, and i could not pay it off ( {$39.00} and some change ) I asked how i could have this removed, the representative at the time told me to dispute it with chexsystem. I did. The dispute showed i was responsible, which i never actually disagreed with. I just wanted to pay it. I finally contacted a corporate office, who gave me the ODP department. They told me to pay the balance, and it would be removed. they also told me to include a letter stating i wanted a copy of the letter of it being paid for my records. When i recieved that letter XXXX/XXXX/XXXX It was titled Paid in full letter. and stated that i had paid my balance and closed my account with XXXX XXXX, however, it would remain on chex system. This is unfair. I paid my balance. This remark should be removed. It is keeping me from opening accounts for my children and improving my financial future. I paid my debt. They need to remove the remark from my record, this could even keep me from advancing in my job as i work for XXXX XXXX XXXX. This is all under my maiden name of XXXX XXXX.