WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX XXXX, I'm a XXXX yr. old single mom of XXXX boys ages XXXX and XXXX, I was married 10 years and just went through a two year divorce that ended XX/XX/XXXX with him being found guilty for XXXX and so now after staying home 8 years I've gone back to school and got a GED, also license to XXXX XXXX in hopes to be able to support my kids alone, both my parents have passed and I don't have any close relatives that can help. 

I only have a short time from my ex to refinance my home and I haven't had much luck with my mortgage company fixing a mistake they made that has effected my credit score and may keep me from refinancing my home, I went into Wells Fargo and made some payments in XX/XX/XXXX and XX/XX/XXXX there were two in paticulatr that I had to call and have fixed, they applied my payments to the principal and what I ask them to do was pay it up two or three payments, I did this because with the divorce I knew I may forget to make the house payment on time but instead it caused me to fall several payments behind and I have reached out to Wells Fargo and not had any luck in getting them to currect the mistake, also if I could get them to just look at the notes im sure they would see where I called and had it fixed over the phone, I have the hardest time finding someone there to cummucate with and ever sent a email to them, I talk to a girl on the phone and she was very rude saying she didn't see where that happen and needed exact dates, I told her if she looked at payment history any payments that went to principal were the ones wrong, Ive always just tried to pay it up several months to help with money and the payment history will show that it was common for me to do that, I usually take my tax money and pay it up three months or more every year. 

I just received a letter from them today and it says they credited my account {$21.00} and have reversed the late fees and interest but this isn't helping the incorrect negative impact on my credit report and I could really use help fixing it, I sent the credit reporting people a letter and tried to get it fixed but no luck, I'll attach the letter and account number from Wells Fargo and I apreciate and help I can get with this so maybe my kids and I can keep our home.
I accepted an Experian offer for information about my credit score for {$1.00}. The offer came with a free 7-day membership in some sort of service, but I never agreed to receive or pay for any service other than the {$1.00} credit score report. I now see that Experian has been charging me {$23.00} per month. I never agreed to this charge. I received an email from Experian congratulating me on becoming a member, but with no disclosure of any fees or costs. ( See attached. ) Now, the Experian site will not allow me to log on with my credentials, and does not send me a temporary password or any other way to log on to cancel this fraudulent subscription that the company created in my name without my authorization. I have written Experian an email requesting them to cancel this fraudulent subscription.
I requested XXXX on XX/XX/2017 and I have been paying XXXX every two weeks since then. they are over charging me on interest and fees. percentage rate of interest is 693.49 %. I have paid a total of XXXX so far
am unable to " validate '' to get both my XXXX and EXPERIAN credit reports : the validation questions from both credit reporting agencies have questions about mortgage ( s ), student loans and auto loans I have never heard of, as well as multiple choice answers that are unrelated to me. When I choose " none of the above '' to all of the validation questions, I am 'told ' ( via website ) that my information does not match. That is ridiculous : the validation questions do not pertain to me and my 'none of the above ' responses should be accepted. I suspect that XXXX and Experian have merged info about another consumer. Someone named " XXXX XXXX '' crops up now and again. I do NOT have any idea who that person is!!! I am a homeowner and have lived at my current address since XXXX 2012 ; I suspect Experian is somehow not using the right address information. 
I have XXXX auto loan ( with XXXX XXXX XXXX in XXXX, MI ) and my mortgage is with XXXX XXXX XXXX in XXXX. I do NOT have student loans or any other mortgages or auto loans.
Chase bank has charged me XXXX late and insufficient fees for about a year between XXXX accounts. 99 % of these are there fault due to the Atm drive thru being either not able to accept cash, down, or being fixed on. This happens about 2-4 times a week? Also a few times they have had a complete outage where none of the machines were working. The problem is they blame you if you can not deposit? 
When I asked when you have $ in the account why not take it for all the smaller checks that you know can be paid instead of running the biggest check first or the last check through. I was told it 's up to their discretion how they handle my XXXX They can wait if they want. I was like this is crazy??? Then I sought legal advice. I was told I needed a copy to see how many I had? I did n't know it was this many! I am a very small start up and can not afford for them to make me lose my home or mind. Last week my son had to go to have emergency and I did write a few checks at least 4-5. Now I was at the hospital for a couple of days so unaware of what was going on. I bought food at the hospital and looked at my account. I was in the negative? How could I be there was at least {$900.00} in the account. Well they did n't run the checks through that they received first which were smaller. They ran the last check which came in on the last day for over {$1000.00}. Then ran the smaller checks through so they could hit me with XXXX fees in a weeks time. Honestly I just broke down and cried from the hospital but I had to be strong for my son. So I called the bank and asked for the mgr. named XXXX. Well he said I can do anymore refunds after the last one! I was like the last one? You mean the one where there was an outage and I could n't deposit any money? How is that my fault if your machines were down? I was under the impression that they removed the fees asscociated with any and all from the atm machines being down etc ... .This is applies to the personal account as well. Same practices! I trusted them! The other account is in the negative {$430.00} for the same reasons! These totals do n't include the {$15.00} overdraft fees as well. I literally begged for them to not do this to me because they know my families situation. The bank mgr. XXXX gave me the run around to call the XXXX number. The XXXX told me that is not correct he must credit the account. No one takes responsibility. The insult to injury is I was told THERE IS NO DOCUMENTATION OF ANY OUTAGE, ATM DRIVE THRU BEING DOWN ETC .... I was so mad I just felt like nothing. They could do this to me? I did n't know how many times until now. It 's easy for them to know them but they know I have no proof. Well I am standing up I earned my money and I want it back. This is just wrong! We are a small business and these practices are literally putting us out of business!
I live in XXXX Utah and today I went to the Chase branch of XXXX to open a new account. I already have an account with another bank but I 'm planning to move where they have no branch of my current bank so I decided make a new account that is across the states. 

XXXX helped me to set up my account and he was really nice an did a great job on going through everything I needed to know which included depositing cash on ATM machine. 

The account I made had a condition where I do not have to pay any service fee if I maintain daily balance of {$5000.00}. I was planning to close my other bank account so I thought I might as well deposit more because I can. 

I withdrew {$10000.00} from a XXXX branch by XXXX, and I brought it back to the chase branch only to find out there are many people in line. So I decided to use the ATM machine right outside of the branch to deposit my {$10000.00}. Apparently, the ATM machine only accepts up to XXXX bills per transaction. The first {$5000.00} went in ok. However, during my second transaction, XXXX of the rubber band that was there to hold to bills was not removed all the way and then the machine displayed an error message and took my second {$5000.00} with it. It printed a receipt saying that the second transaction did not go through. Straight away, I told someone that looks like the manager and XXXX about this. XXXX told me that he will put a claim. 

Later at home I was really worried because I 'm still a XXXX working XXXX and {$5000.00} is a huge money for me. I called the bank customer service and they told me it is under investigation and they do n't know what will happen but that there is nothing I can do for now but wait. But then, I found several articles that there are several incidents that Chase ATM takes the money and customers not being able to claim their money back after investigation. That got me very worried and I decided to file this complaint. I understand that the rubber band slipped in there but it was an honest mistake and I did not mean any harm.
I have called and mailed Transunion, XXXX, XXXX, and XXXX XXXX XXXX XXXX regarding this account on XXXX XXXX, XXXX.
This debt collector has this debt assigned to me, when it is my ex wife 's responsibility, divorce decree filed XX/XX/2017. Upon dissolution I acquired half of debt that I have taken care of. My work on my debt load and simple fact I will pay, GLA collections has tagged my credit and continues to maintain calls, and bills. The last rep from GLA Collections told me it was only {$32.00} dollars and it would be easier to pay it than fight it. I make a written and verbal dispute about the account.
Payments are too high. Needed the loans to attend college. Wish to pay back but need lower payments. SC Student Loan charging a 9 % interest rate which is way higher than the market and will not negotiate to lower the rate or spread out the payments.
Navient is repeatedly harassing my father, my sister, other family members, as well as myself, by calling multiple times a day in reference to my student loans. I have asked them to leave my family alone in the past and they refuse to do so. I asked them to take the cosigner off my loan and they won't do that either. I lost my job in XXXX and don't have the money to give them until I find a new job. My father is a Veteran and a retired XXXX year old man, who doesn't have any money to give them either, yet they still harass him every day! I want it to stop immediately!
Since XXXX 2015, USAA have been returning items specifically to XXXX and charging my account an NSF in the amount of {$29.00}. It was my position that these items were being fraudulently returned to collect NSF fees since I did in fact have the funds available to cover the transactions if USAA did n't charge an NSF first. However, I was not receiving overdraft notices to verify my balance and the way the ledger reads online I had enough money available when the transactions were posted to my account if the USAA processing department actually posted the transaction before charging an NSF fee. Since XXXX 2015 I had not received any NSF notices to support my position. However, this past week I received my very first NSF notice and it confirmed my position for the last year and half. I did have enough money to cover the XXXX transaction in the amount of {$38.00} because I had {$51.00} in my account according to the notice that was sent to my email. Regardless of that fact, USAA returned the transaction to XXXX so not only did I have to pay {$29.00} NSF fee for an item that should have posted and cleared my account but also I had to pay yet again {$25.00} to XXXX. Over this last year I have had to pay between {$1000.00} and {$1500.00} in fees to USAA and XXXX for the same type of issue. It is my hope that your office can assist me and other consumers who are being taxed by USAA and XXXX for fraudulent fees.
I borrowed {$700.00} on XX/XX/XXXX I have made 2 XXXX Payments on XX/XX/XXXXand XX/XX/XXXX. I called to pay off the loan on XX/XX/XXXX. They said the pay off is {$880.00}. I asked how it could be that much if Ive almost paid {$400.00}? They said every day collects interest and I wont start paying for the loan until XX/XX/XXXX. This is crazy. I am willing to pay back. The loan but not that much!!
XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by your XXXX XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX  and XXXX  credit report XX/XX/XXXX related to that application. A formal dispute was mailed to XXXX XXXX XXXX  XX/XX/XXXX ; as of this date XXXX XXXX XXXX has not replied to the dispute which is a violation of the FCRA.
This company, Swiss Colony, is making frequent repeated phone calls using a call center based in XXXX XXXX, XXXX XXXX, to my home asking when a debt I incurred is going to be paid. The calls occur at least XXXX times weekly. ( A record is being maintained. ) I have responded appropriately to the company 's XXXX ( XXXX ) written communiques, acknowledging that I owe the amount due and will pay it by XXXX XXXX, 2015 or sooner, and I have asked the vendor 's representatives to STOP CALLING ME. I have attempted to talk personally to the company 's credit department supervisor but ( s ) he does not call me back. NOTE : Company acknowledged receiving my personal responses but says I " will continue to get these phone calls because they can not stop them ''.
Attempted to pay the mortgage payment online. Was informed on phone that payment would have to be made tomorrow. In view of the past reputation of Wells Fargo concerning how they treat their customers, how is this allowed? XXXX had no problem accepting an auto loan payment today, as it appears they have do not have to earn another day 's interest on the payment amount.
M & T mortgage finalized my request for mortgage modification XX/2016. 
I recently applied for credit and I was denied because of the incorrect mortgage pay history that consist of my mortgage payment amount, mortgage balance, and open date of the mortgage that is being reported by M & T Bank on my XXXX, XXXX, & XXXX credit report. My mortgage balance and payment history is being reported incorrectly. Also M & T did n't report the terms of the mortgage modification agreement that is now my current deed. M & T Bank did n't remove the delinquent mortgage history after the mortgage modification was finalized.
Company calls after I sent a written Cease & Desist notification. Also, robo-calls using an ATDS to my mother 's mobile. I have previously provided both the Company and its client documentation regarding my father 's death and that I am the executor for his estate and POA for my mother.
After reviewing my most recent credit report from Transunion, I sent a validation letter to the collection agency. I used the address provided on the Transunion credit report. My letter came back undelivered. This is false information being reported on my report. I then sent a letter to Transunion asking them to remove this collection account from my report as it is incomplete and/or false information. They sent me a letter stating that they couldnt read my letter as it was missing info or was ineligible. I find it hard to believe a typed out, clearly stated letter was either of the things they claim. I just want this inaccurate and false collection account removed from my report.
My XXXX vehicle was repossessed on XXXX. I received a certified letter on Saturday, XXXX XXXX from Santandar Consumer USA Inc. dated XXXX that I had " under Georgia Law , you have the right of redemptionand the right to demand a public sale of the Vehicle. To exercise your right to demand a public sale, you must notify us that you want a public sale within ( 10 ) days from the date of we mailed this notice. You must send the notice by registered or certified mail or statutory overnight delivery addressed to Santandar Consumer USA Inc., XXXX, TX XXXX. '' My complaint to your agency is that Santandar purposely and knowingly timed the attached certified letter to be received on the 10th day after their letter was generated causing the ability for me to respond and exercise my rights under Georgia Statue for a public sale not possible. On XXXX after arriving back from a business trip I have sent Santandar Consumer USA Inc. a certified letter Priorty Mail demanding public sale of said vehicle. My question is how can anyone respond to this timing of their letter being received on a Saturday afternoon. My second question is why did Santandar send this certified letter on XXXX and not earlier knowing that time of essence is essential to get fair market value of said vehicle. I want to know if this has or is happen to other complainants.
I 'm writing on behalf of my  XXXX  brother and his wife who is also  XXXX .   They took out a home equity loan  from TD Bank for {$55000.00} but somehow the bank rep managed to wire an additional $ 40k into their account. They never used the money and at some point the $ 40k was removed from their account, yet TD Bank is insisting and threatening foreclosure, saying their loan was for $ 95k when they only received and used the $ 55k. They were informed the rep was relieved of her position, but would n't release her name, yet still insist on the $ 95k. They have made numerous attempts and threats to foreclose. My   brother recently went into a TD branch and asked them for an extension. He was given a week to get caught up on payment ( by this coming Wednesda y ) or they would send a sheriff to evict them. I wired them the necessary money today but I do n't have the money to hire an attorney and get this mess straightened out. Two  older  XXXX  people with numerous health problems should not be consistently harassed and afraid of being thrown out of their home because of a  major error TD Bank made.
Citibank , NA has erroneously and drastically reduced my credit limit to my credit card ending in XXXX, the credit limit has essentially been reduced to zero as the new limit is the balance of my account, severely impacting my balance to availability ratio. Citibank sent me a letter informing me of this decision on XXXX/XXXX/16 stating due to a delinquency I have with another creditor, they have reduced said credit line. They did not specify with whom I have this said delinquency with and when I called their customer support, they could not tell me where said delinquency was originating from and simply said it was based on my XXXX credit report. I have viewed my credit report from all XXXX bureaus and I do not see any delinquencies. In the past 10 years, I have never had ANY delinquencies of any form with any of my creditors, and in the years I 've had my Citibank credit card, I have never made a late payment. I have always made a diligent effort to maintain my credit standing to the highest level possible so it came to me as a surprise when I was informed of Citibank 's decision. When speaking with their representatives XXXX ( employee ID XXXX ) and his Supervisor XXXX ( employee ID XXXX ), I was told they would not reinstate my credit limit to it 's original amount, and the only way I would be reconsidered for reinstatement would be for me to request a credit increase through " Customer Service '' which would result in a " hard pull '' inquiry, resulting in additional damage to my credit reports. I do not have any delinquencies on any of my credit reports, and Citibank 's decision to revoke my credit line has drastically tarnished my credit. I wish to understand why they have made this decision as I do not have a delinquent account with any creditor and their unwillingness to correct their wrong doing has caused me great XXXX
I have attempted to contact the credit bureaus o n   XXXX   XXXX   requesting proper documentation for the things that have been reported. I did not receive a response, on   XXXX   XXXX   I called all three bureaus they stated they would pro vide proper documentation within 30 days and I have received nothing.  <P/>   XXXX  - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus
This complaint is against Experian XXXX. XXXX XXXX XXXX, TX XXXX. I disputed accounts on my credit report to have them verified and removed but Experian has failed to do a proper investigation using the e-oscar method to verify accounts listed on disputes and give me proper proof of verification on unverified accounts. My first dispute letter they received certified mail was on XX/XX/2018 and they did not give me no verification or remove unverified accounts. I then sent them a second dispute letter to verify accounts on my credit report and they received it certified mail on XX/XX/2018 and they still did not give me no verification on accounts listed on letter. I then sent them a 3rd dispute letter and they received it certified mail XX/XX/2018 and they did not give me no verification or remove unverified accounts. I then sent them a 4th dispute letter and they received it certified mail XX/XX/2018 and they did not give me no verification or remove unverified accounts.
Inaccurate reporting by Equifax Legal Item XX/XX/2016 -- {$2000.00} Public Record Details Reference Number XXXX Court -- Date XX/XX/2016 Status -- Amount {$2000.00} Classification -- Type legalitems
In XXXX 2016, I was approved for the Fedloan Servicing REPAYE repayment plan. I was advised that I would need to make a one time {$5.00} payment the next month and then my new payment plan would start. In XXXX, the correct payment did not get applied to my account, therefore I had to request a forbearance ( I can not afford the current payment of ~ {$1100.00}. In XXXX, the payment due amount again did not get correctly applied to my account ; therefore, I had to request an additional forbearance for that month. In XXXX, I was finally able to make the {$5.00} payment ( on XXXX/XXXX/16 ) and was told my new payment would start in XXXX 2016. Again, the correct payment amount was not triggered on my account -- again, I had to request a forbearance. Then again, in XXXX the same issue occurred, so currently, my loan is in forbearance. I have been promised multiple times by different people that the correct payment will trigger. Unfortunately, to date, this continues to be an issue. 

I am currently in a Public Loan Forgiveness Program -- due to the inadequacies of FedLoan Servicing in getting my new payment plan in place, I have not missed out on 5 months of payment credits toward my overall loan forgiveness plan. 
I would appreciate any thoughts or assistance in getting this issue resolved. 

Respectfully, XXXX XXXX