WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I opened a landscaping credit account with Wells Fargo Outdoor solution in XXXX of XXXX. My account has a no interest if paid in full by XX/XX/XXXX clause. After the landscaping was installed, I immediately set up auto payment with my bank to ensure the final payment would be made on XX/XX/XXXX with the first payment submitted on XX/XX/XXXX. Payments were made like clockwork on the XXXX of every month thereafter. I did not check my account again until XX/XX/XXXX when I noticed every month I was receiving a late fee and interest. I immediately called Wells Fargo and they indicated that because I made my payment every month one day prior to the billing cycle opening date every payment is considered late. At that point they agreed to remove all late fees and interest due to the fact I was unaware my payments were being made early. I then moved my payment date forward with my bank to avoid the same issue moving forward. I have since been checking my account every month to ensure the fees have been removed. It is now XXXX XXXX and some of my fees have been removed but there is still a fee balance of {$210.00}. I have made 3 additional calls to Wells Fargo pleading my case but I am now running into road blocks and my feeling is that Wells Fargo no longer intends to work with me. I explained to the bank that from my history it should be pretty obvious that I am not trying to game the system here and I should not be penalized for making my payments early every month. Thank you in advance for your help. XXXX XXXX
A Bank of America ATM card, issued to bank patrons, allowing a customer to access their accounts stopped working in B of A ATM machines. The card did work at the banks inside teller Windows. My branch tellers thought that strange and advised me to call the B of A telephone number on the back of the card since the card was not damaged and did work if I entered the bank. I called number on the back of the card and was advised that the account was active and that problem should not happen and they would replace the card for a {$5.00} fee. Since this card was originally issued by B of A when opening my account and thru no fault of mine the card no longer worked, B of A should replace the card instead of passing on an ever growing number of fees costing the consumer excessive financial burdens. As an additional note my local branch advised me they were getting numerous complaints from customers regarding excessive fees, that they as a branch had no control.
received a letter dates XXXX/XXXX/XXXX an attempted to collect a debt send a request for validation of debt XXXX/XXXX/XXXX request ignored and received a second threatening letter for the same debt XXXX/XXXX/XXXX
Navy Federal continues to report the wrong payment history to XXXX and XXXX. I want a payment history on all accounts. They are reporting I last made a payment to all accounts in XXXX 2010. My records show last payment was XXXX 2010. 

Account numbers ( last XXXX account numbers missing ) : XXXX XXXX XXXX Please send payment history to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
On XXXX XXXX of 2017 I had deposited a check of XXXX and XXXX dollars cash through a chase ATM drive through but the cash never deposited into my account just the check. Right after the incident of the ATM stealing my money I filed a claim with the bank giving them the information from the receipt. They deposited XXXX into my account while the claim was being reviewed but fast forward towards the XXXX of XXXX they take the money back out. Once again I call to see what the isssue was and this bank tells me that the cash I deposited was n't able to be found. Now how in the world is that possible money does n't disappear out of thin air and this is n't the first time it happens to me with this bank. I still have the receipt from that transaction as well. It 's ridiculous to think a bank is blatantly stealing my money. I mean for crying out loud ATMs have cameras they can check that I deposited that cash on that date
On XXXX XXXX I paid an outstanding debt in the amount XXXX to XXXX collections. The debt was actually with a collection agency by the name of Credit Collection Services ( CCS ) located in XXXX MA XXXX. 

When speaking with XXXX on XXXX XXXX and XXXX XXXX I could not get them to provide me direct proof that the debt was paid after I paid it in full. At that point I spoke with the collection department at XXXX cable directly. They stated that they would report to XXXX within XXXX hours that the debt was paid. I then spoke with CCS to ensure that once they received confirmation from XXXX that the debt was paid that they would provide me in writing the clearance of the debt. They would not do this. 

I also requested the debt was removed completely from my credit report once paid as even if it shows as paid in full it still shows collection activity. They stated that XXXX does not allow them to report to delete the debt from my report. 

I have disputed this debt with all three credit agencies. 

I had dealt with another collection agency, XXXX XXXX receivables in XXXX Maryland, and they provided me with the same information requested from CCS within less than XXXX hours of paying the debt and it will be removed from my credit. XXXX XXXX Receivables WAS EXCELLENT! 

Additionally I was informed by XXXX when I contacted them of a debt from XXXX that was owed. This debt is also placed with XXXX and I am concerned that they will try to reboot it reporting it on my credit, even though the debt is older than 7 years. I made no acknowledgement that this debt was mine.
I was looking through my XXXX XXXX and see I have a hard inquiry on XX/XX/2017 from Discover. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.
1 ) Using Citi 's online banking system I scheduled a payment to be processed on Saturday XXXX XXXX, 2016 to pay my XXXX statement in full for the amount of {$3900.00}, withdrawing the funds from my credit union. The funds were to be obtained on Monday XXXX XXXX, as Saturday was not a business day. 
2 ) On XXXX XXXX my dog died and I completely forgot to deposit the funds into my account. 
3 ) On Wednesday XXXX XXXX I realized I had made the error of not depositing enough money. I contacted Citi immediately by telephone and via the customer service representative I paid the XXXX statement in full from a different bank account, from a different bank ( not the credit union ). I thought I was doing the right thing by paying it in XXXX transaction and that by taking immediate action the debt would be resolved. I paid the XXXX statement amount in full : {$3900.00}, and my Citi account reflects that the payment was made that same day. 
4 ) Unfortunately the automatic system was not notified. On XXXX XXXX Citi 's automated system tried to withdraw the original transaction scheduled for XXXX XXXX once again, even though the statement had already been paid in full on XXXX XXXX. 
-I thought it was odd that Citi was trying to obtain the funds from my credit union since I had already paid the XXXX statement in full ; I went online and saw that when I made the payment by phone the funds actually went towards my XXXX statement, and that the XXXX statement was still in arrears. 
- I immediately spoke to a representative on the phone and he told me that it was impossible to cancel the automatic payment and that Citi would continue to try and obtain the funds from my credit union until XXXX XXXX. 
-Based on the information from the representative I immediately deposited {$3900.00} into my credit union account in anticipation that Citi would once again try to obtain the funds using the automated system. 
5 ) The evening of XXXX XXXX I received an email from Citi saying that the funds were returned as unpaid from the credit union account and that if the information was n't accurate I was to call Citi immediately at XXXX ( TTY/TDD : XXXX ). 
6 ) The morning of XXXX XXXX I phoned Citi to resolve the issue immediately ( again ) and paid by phone ( again ) the amount of {$3900.00}. 
7 ) One hour later I went to the grocery store to make a purchase and my Citi credit card was declined. 
8 ) I immediately phoned Citi and was informed that my account had been closed, even though I had just spoken one hour earlier to a representative and my account was open at the time of our conversation. 
9 ) Today XXXX XXXX I received a letter from Citi informing me my account is closed and that it can not be reopened unless I provide a letter from my bank saying the payment was returned by mistake.
The company misrepresented the total amount to be paid on my loan. I was never told I would pay back {$6200.00} dollars on a {$800.00} dollar loan. They expect me to pay {$400.00} dollars a month until the whole {$6200.00} dollars is paid. I found out later after contacting them on XXXX/XXXX/2016. This was 2 months after the initial loan was taken out from them.
I bought several XXXX value visa cards in XXXX on XX/XX/XXXX. I found that XXXX cards were not able to use on XX/XX/XXXX and contacted the customer service ( XXXX ) XXXX on back of my prepaid cards immediately. They said something went wrong on their side so they would refund me via a check. I sent in all information they need : back and front of the cards, my driver license etc. However, the refund case XXXX has been investigated until now and no resolution has been made. And they could not even provide a time-frame of the refund since customer service said other second level department is investigating and has no response. I feel very dissatisfied that my XXXX refund needs such a long time to be delivered, and even do not know when I can get the check.
Equifax is inaccurately reporting my Bankruptcy discharge date as XXXX/XXXX/XXXX, when in fact it was XXXX/XXXX/XXXX eleven years earlier. I have disputed this information several times and sent supporting documentation to no response from them. This inaccurate info is causing me difficulty with job searches and obtaining credit. This is an extreme hardship to me financially and they refuse to correct it.
About XXXX 2015 I accepted a promotional balance transfer ( {$4000.00}, 0 % interest for 16 months or similar, for a 2 % = {$80.00} transfer fee ), and carefully tried to immediately pay off any purchases as they posted ( payment XXXX applied to minimum payment, then to highest interest rate etc. ) While I am contesting several misallocated payments, the easiest id to just focus on the airline ticket purchase of {$1200.00} + {$790.00} = {$2000.00} from XXXX XXXX, and payment made on XXXX XXXX. I made sure to pay after the ( pending ) had changed to ( posted ). 
Still, the CC applied my payment to my promotional balance instead of my new purchases ( largely voiding the interest free loan that I had paid {$80.00} for, and punishing me with unjustified interest charges ). This already seemed to have happened in XXXX ( confusing ). I had a long phone call with CHASE XXXX XXXX regarding unreasonably high interest charges. On XXXX XXXX I bought airline tickets for {$2000.00} and for {$340.00} which posted on XXXX XXXX and XXXX XXXX, and I made payments for the same amounts XXXX XXXX and XXXX XXXX, which posted on XXXX XXXX and XXXX XXXX. Yet on my newest statement received today ( XXXX XXXX ) interest charges where again too high. I called, and after being escalateded up XXXX levels I learned that most of my payments had been applied to the 0 % promotion balance instead of the purchases ( which by then had posted and which carry a 15 % interest rate ). After a long phone conversation, I was told that this in agreement with the cardholder agreement ( backside of statement, attached ). I do not agree. The service rep told me that I have to wait for the statement period to lapse in order to have my payment be applied to the new purchase. I can not understand how the paragraph ( attached ) that she pointed me to says this, and at the very least this is a deceiving statement and practice.
On or about XXXX XXXX, 2016, I initiated contact with Quicken Loans because it was listed as at the XXXX XXXX XXXX XXXX XXXX website the country 's second biggest VA Guaranteed Loan supplier. On XXXX XXXX, 2016 the real estate agent supplied Quicken Loans via email a copy of the purchase contract I signed with a seller of a property I was interested in. On XXXX XXXX, 2016, Quicken Loans sent to its MyQL to do list a VA Loan Disclosures and Certifications document that included a paragraph numbered XXXX that states that : DO NOT BE MISLED! VA DOES NOT GUARANTEE THE CONDITION OF THE HOUSE WHICH YOU ARE BUYING, WHETHER IT IS NEW OR PREVIOUSLY OCCUPIED. VA GUARANTEES ONLY THE LOAN. YOU MAY TALK TO MANY PEOPLE WHEN YOU ARE IN THE PROCESS OF BUYING A HOUSE. PARTICULARLY WITH A PREVIOUSLY OCCUPIED HOUSE, YOU MAY PICK UP THE IMPRESSION ALONG THE WAY THAT YOU NEED NOT BE OVERLY CONCERNED ABOUT ANY NEEDED REPAIRS OR HIDDEN DEFECTS SINCE VA WILL SURE FIND THEM AND REQUIRE THEM TO BE REPAIRED. THIS IS NOT TRUE. IN EVERY CASE, ULTIMATELY, IT IS YOUR RESPONSIBILITY TO BE AN INFORMED BUYER AND TO ASSURE YOURSELF THAT WHAT YOU ARE BUYING IS SATISFACTORY TO YOU IN ALL RESPECTS. REMEMBER, VA GUARANTEES ONLY THE LOAN - NOT THE CONDITION. 
This clause that Quicken Loans demands that I stipulate directly contradicts the Minimum Property Requirements ( MPRs ) of Chapter XXXX of the VA Lenders Handbook- VA XXXX XXXX. Chapter XXXX outlines the MPRs that are required to be verified by the lender in order for the veteran to be able to buy a house without any needed or hidden repairs. Additionally, Chapter XXXX of the Lenders Handbook at XXXX clearly states that : An appraisal is required to help ensure that any property which will become the security for a VA-guaranteed loan has a value of at least as much as the loan amount, and is in a condition acceptable to VA. 

However, the relevant Quicken Loans clause states that it is not the VA that decides the acceptable condition that the property needs to be, but that it is the veteran that is responsible for the condition of the property. I attempted to confer with the Quicken Loans representatives purportedly helping me with closing the loan for a property located in XXXX NJ. However, these representatives persistently insisted that Quicken Loans does not request any inspections of the house to ascertain it meets the MPRs. These representatives insisted that only a VA Appraisal is needed and that the property does not need to be eligible to be Appraised as required by the Lenders Handbook at : XXXX Types of Property Eligible for Appraisal Lender Responsibility If the lender fails to exercise due diligence in determining appraisal eligibility, VA may deny or reduce payment on a future claim based on the ineligibility of the property. 
Properties not eligible for appraisal and other appraisal request restrictions are described in Sections XXXX and XXXX. 

Section XXXX of the Lenders Manual further states that the property must also meet the MPRs outlined in XXXX XXXX. 
.
I made a payment through XXXX XXXX using my Wells Fargo business debit card. The intended recipient never recieved the payment since there was another individual with the same name. XXXX XXXX instructed me go to my bank branch manager to  dispute the claim if the teller could not assist. The dispute was filed by phone and denied. XXXX XXXX reports they can not do anything without the bank disputing the claim.
I had an account with TCF bank, the acct closed out and after closing I did owe them {$99.00}. There was a payment made to TCF bank, but now they are reporting to my credit report as a collection. I am in the process of purchasing a home and now this comes out of nowhere, I thought once I paid them I was completely done with this company ... This bank and their collection has caused my score to completely drop horribly even after they were paid their {$99.00} now they are asking for more ... I want this company to remove this acct from my credit report, its unfortunate that they do not keep accurate records.
Equifax has a habit of ignoring fraud information. XXXX fraudulent inquiries were submitted using a false address that I did not belong to mi. And they refused to delete the hard inquiries and dispute the companies solicitation practiced XXXX XXXX, 2015 today I spoke to a Consumer relations Supervisor and had the call recorded as I gave her several CFPB reports regarding the false address information. I asked for thier legal dept to call back and she hung up. For the last time I informed them that it is illegal not to investigate and dispute fraud inquiries. I am a government XXXX member & never signed anything asking the agency for a loan. No where did I sign application or ask for a single dollar from any affliation and I want total immunity. I am tired of Equifax illegal practices.
They keep calling me asking for " XXXX ''. I do not know nor am affiliated with anyone by that name. I 've asked them to stop calling, they confirmed they would put me on a 'Do Not Call ' list. And yet they 've called again today.
On or around the XXXX 2015 my mortgage company Seterus advised me that my payment for XXXX had been returned for insufficient funds. I contacted my credit union and they confirmed the payment was paid and not returned. Seterus advised me to fax a copy of my bank statement to show this, which I did. They then advised it would take 30 days for them to do research. I called each week to check the status and continued to make my monthly payment. Each time I called they also advised me that they were reporting negatively to the credit agencies and would reverse it pending research results. I continued to wait and called them back on/around XX/XX/2015. They then advised they made a mistake and it was n't the XXXX payment that was missing, but was the payment from XXXX. This would be six months later. I shared my disappointment with them. How could a company wait six months to say they are missing a payment? I was then advised I needed to send my XXXX statement, which I did and I still have no resolution to the issue. They now tell me it will be another 30 days which would be 7 months since they claim I missed a payment. Some reps at Seterus say they are reporting negatively to the credit agencies and others have said they are not. The rep I spoke to last advised she could n't even confirm if the XXXX bank statement I faxed had been received. So I guess I have to assume that it has. Each time I call I get different information. The handling of this situation seems too unethical and unfair to me as their customer. I 've made my payment each month. I 've given them the proof they need to show that and they still have not resolved the issue. It is also ridiculous to me that a regulated financial company would not realize they were missing a payment until 5 months later-which in reality I paid. The service I 've received has been horrible and the different information on every call does not lead me to believe they will ever solve this issue and I will have no other recourse, but to hire an attorney and spend money to show I 've already paid them. I do n't feel like I should have to make my payment twice because they have poor book keeping. I need help please.
Tried to open up an account with XXXX different banks but the banks wo n't let me
I am writing this email in pure frustration with Carrington Mortgage Services. Although from my previous experience it will probably do no good. 
I applied for a modification on the above referenced loan XXXX/XXXX/XXXX. I made my payment for XXXX on XXXX/XXXX/XXXX as I make my payment every month late on the last day of the month. To my dismay as of XXXX/XXXX/XXXX Carrington had not posted my payment so I called to find out why. I was told it was not posted because I had applied for a modification and they hold payments when your account is being reviewed for modification. I asked will this be reported to my credit bureau as 30 days past due and I was assured it would not. I was even asked by a representative named XXXX if I am not 30days past due why am I applying for a modification anyway. Well surprise, surprise Carrington did in fact report me as being 30 days past due for XXXX XXXX as I had feared they would. I was told to fax a copy of my credit report showing this to XXXX. I faxed this on the XXXX and XXXX of XXXX and I was told this process can take up to 30 days. 
Since I opened this loan in XXXX XXXX it has been nothing but XXXX. First I was told if I refinance with Carrington my mortgage payments would be reduced to $ XXXX/monthly. Then 3 months later they increased my payments to {$2300.00} stating they miscalculated my real estate taxes. So of course this has caused me continuous financial difficulty. Every month I struggle to pay this exorbitant mortgage payment and barely make it each month by the end of the month. Then in XXXX XXXX I made my payment through Carrington 's online payment system on Friday XXXX/XXXX/XXXX but dated it for the XXXX/XXXX/XXXX and they posted it XXXX XXXX which made my account 30 days late. I contested and begged for them to remove it but they refused. My credit is very important to me and sometime we go without a lot of things to make this mortgage payment every month. 
I enlisted the help of a realtor to attempt to sale the property but sadly it is not worth what I owe. Everytime I call Carrington Mortgage it is a terrible degrading experience. Your customer service representatives are terrible and your policies are not customer oriented. 
I absolutely hate Carrington Mortgage and everything they stand for. 
I would appreciate it greatly if Carrington would remove the 30 day late they have reported on my credit report for XXXX. 

Disgusted XXXX XXXX
I just found out today my Bank of America XXXX XXXX credit card was closed by someone with the same name in XXXX. Why if they have been sending my statements to an address in AL they would start sending something to KY? How do a person with the same name except for middle initial close an account without providing security info? I am the primary and my husband was seconary, they said my husband closed the account, my husband was in the hospital in XXXX and still not able to use the phone. Where is the security, get this they ca n't reopen it for me or send me a copy of the letter they sent to the other guy telling him the account has been closed. It upsets me that anyone is allowed to manage your accounts.