WillisBack/dataset-financial-user-claim huggingface dataset:
I received my credit card statement, from Continental Finance on XXXX/XXXX/15 and noticed there was a late fee of {$35.00} applied to my account. I spoke to XXXX and I explained how there was a delay with my bank sending the payment. XXXX, the supervisor, waived the late fee for XX/XX/XXXX. My XX/XX/XXXX statement, shows another late fee of {$35.00}. I asked XXXX why there was another late fee, and she said because I did not pay the {$75.00} for XX/XX/XXXX. I told her, I paid the {$35.00} and the other {$35.00} was from the XX/XX/XXXX late fee that was waived. So they billed me a late fee, on top of a late fee that was waived. The XX/XX/XXXX bill, was paid on XXXX/XXXX/15, in the amount of {$35.00}. I sent in a dispute, explaining the issue, and received a letter back, stating the charges were correct, which they are not. Now, I get my XX/XX/XXXX bill, and it has another late fee of {$35.00} on top of the erroneous late fee for XX/XX/XXXX After the XX/XX/XXXX payment, I paid the XX/XX/XXXX payment on XX/XX/XXXX, and the XX/XX/XXXX payment was paid on XX/XX/XXXX. Continental Finance keeps charging me a late fee from the late fee for XXXX, in which I clearly do not owe. Please review the attached correspondence and supporting documentation and it is evident that I do not owe these XXXX late fees of {$35.00} for XX/XX/XXXX and XX/XX/XXXX.
To whom it may concern, I opened a secured credit card with Wells Fargo a few years ago in hope to build my credit. I called into the credit card department to get my credit card limit increased from XXXX to XXXX and the representative closed my entire credit card account in error. 


I tried using my card and it was declined only to learn that my account was closed in error and confirmed by the customer care department. 
I had to wait several weeks for them to investigate and pull the recorded call. I received return payment fees from companies and I received no letter for my record keeping explaining what happened. I was assigned to a case manager by the name of XXXX who did the investigation, listened to the call, and confirmed that it was a bank error and told me I would have to do a new application if I wanted to keep my credit card account with Wellsfargo.  NOT FAIR. I explained to her that this is not a good look to have a close account reported nor is it fair or a good for me to lose points to have the account reopened for the same account that was closed within one month. I then was forced to call back because i never receive any information in the mail regarding this information and or a letter in writing explaining the error. I spoke with a rep by the name of XXXX who told me that they do not send out that information and that it is held confidential and only discussed via phone. He later said that he would submit a request and if it got approved then I would receive the letter in the mail explaining the error, and if it didn't get approved then I wouldn't be receiving a letter explaining what happened on my account. It is not fair for them to handle this matter so carelessly.
PORTFOLIO RECOVERY is reporting a debt I do not owe. They have not been able to verify the debt according to the FCRA FDCP laws.
I have a student loan held by XXXX XXXX which until recently has been serviced by XXXX XXXX. With the merger of XXXX XXXX and Nelnet, management of my loan was released to XXXX XXXX. Within a month of the transition XXXX permanently raised my monthly payment without explanation or disclosure of the financial impact. I contacted XXXX for explanation of the change and full disclosure of adjusted terms of the loan. Customer service was only able to suggest that there had been an interest rate change which XXXX XXXX had for some reason chosen not to process which would now be applied by XXXX. No disclosure of the impact of this change, either monthly or in the life of the loan, was offered or provided. This is basic information. It is very clear that XXXX would prefer to raise rates without explanation and at their own discretion.
I do not have the funds to pay back the loans. I just have enough money to take care of my bills each month with little of nothing left over. I need help trying to take of this matter. Having my students loans forgiven would be something I would need.
XXXX XXXX calls from Summit Receivables at least once-twice a week. I do n't know what this debt is, but I receive calls from an unknown number from her and then XXXX from her XXXX on XXXX XXXX from a XXXX number XXXX and XXXX from her on XXXX XXXX from a XXXX number XXXX. In all the messages she leaves she says, " I 'm calling in regards to a file we have in your office ... ..trying to reach you in reference to this file. '' The message is very vague and then she wants me to call her at XXXX which is not the number she calls me from.
On XX/XX/2018 between XXXX and XXXX ET, I received notification from Wells Fargo that my personal and business checking accounts will be closed due to unauthorized money transfers into the accounts. I was also informed that I may not  make any withdrawals from these two accounts and that the debit cards linked to those accounts are deactivated. On XX/XX/2018, I went inside my nearest branch to inquire about the account closure. None of the bank employees could provide me an explanation as to why the accounts will be closed and why withdrawals are blocked. I called the XXXX loss prevention number to inquire further and was informed that the unauthorized transaction was a XXXX XXXX   international wire from an individual named XXXX XXXX and that a check of the account balance would be mailed on XX/XX/2018. No more information was provided. I demanded copies of any court orders or legal proceedings and was denied. I can not access my funds for emergency purposes and I have a business account that requires me to refund customers when needed.
I have requested XX/XX/18, and XX/XX/XXXX to get copies of documents to confirm to verify account. After speaking with XXXX on both days I was informed will get the file pulled. As of today XX/XX/18 I have spoken to Manager XXXX and again they will pull the file and give us a call. This account I was told was sold it was original Regional in the amount of {$610.00}. XXXX XXXX shows an amount of {$580.00}. Please assist with getting the required documents to confirm the account.
Experian has on my credit report XXXX XXXX XXXX as a debt to debt collector in which I don't owe and is in error
I 've disputed this information 5 times already with the XXXX and I 'm receiving letters stating that they will no longer investigate even though I am providing clear and detailed information on what I am disputing, reasons and inaccuracies. I 've even included the actual figures on the reports that are inaccurate and month and after month nothing changes! How is this even legal??? 
*Please see letter attached for account disputes *I 've included credit report for comparison of disputes vs. reported information
My husband and I submitted a credit investigation request to the credit bureaus on XX/XX/2018. More than 30 days have passed, and we have yet to receive our results.
Navient claims I took out a XXXX XXXX XXXX XXXX account number # XXXX on XX/XX/XXXX for an original disbursement of {$30000.00} I have no record of ever taking out a student loan for that amount on that date or even close to it. 

In addition Navient claims I have been delinquent since XX/XX/XXXX but has never reached out to me either by phone, mail, or email. To make it worse it only showed up on my credit report as of XX/XX/XXXX when I had my credit pulled as part of a job. 

No one returns my calls as they send me to voice mail when I call their numbers soon as I enter in my account information. 

This lack of responsibility, mismanagement, and outright deception could cost me a high paying job that I qualified for based on the harm of negligence, incompetence, and complete fraud on their part. 

I dispute their legal right to collect on a loan that they made up and claim I owe due to fraud on their part. There is no paperwork showing I took out a student loan for that amount on that date as they just made up a loan. The loan amount, disbursement date, interest, loan balance, and the loan itself are all made up and are just lies. I ca n't believe this is happening in America and that this is even legal in any shape, way, or form.
This company continues to re-sell their account to collection agencies to damage my credit for services not validated. They have been deleted twice from my credit report and now they are Sending defaming information on old debt that did not belong to me.
My name is  XXXX   XXXX   XXXX , I am translating on behalf of  XXXX   XXXX   XXXX , who is the borrower on this mortgage.     Mr.  XXXX , does not speak any  XXXX  and hired a company by the name of  XXXX   XXXX , who was supposedly helping him on a resolution for his mortgage. This company was basically working also as a translator to all lender 's documents sent to his address.     The lender, unbeknownst to Mr.  XXXX , sold the property to a third party on   XXXX   XXXX   XXXX   MR.  XXXX  was told that the sale was postponed. He was trying to modify, but apparently the Lender and  XXXX   XXXX , were aware that Mr.  XXXX  had about {$150000.00}  Dollars  equity and foreclosed on him.     Mr.  XXXX , feels he was defrauded by both Lender by not notifying him IN SPANISH THE FORECLOSURE PROCEEDINGS. Mr.  XXXX  has not idea of the process, nor he agrees losing {$150000.00} dollars of his equity on this unknown process to him.     Mr  XXXX  also feels that the  XXXX   XXXX   XXXX  knew there was equity on his house and instead of proceeding with the Loan MOdification, they were trying to do a SHort Sale and buy the house for themselves.     Mr  XXXX  will file a lawsuit against the lender, but is asking, actually begging your office to contact the lender on his behalf and STOP THE PERFECTING OF THE FORECLOSURE SALE.      XXXX   XXXX  feels that if he knew the  XXXX  was not processing his modification, he should have been notified in  XXXX . He would have never allowed the lender to foreclose SPECIALLY HAVING {$150000.00} OF EQUITY.     The lender trustee is Law Offices of Les Zieve,  XXXX  Corporate Park  XXXX   XXXX   XXXX , CA  XXXX  Phone : (  XXXX  )  XXXX  TS number :  XXXX  Please contact us at  XXXX  at your earliest convenience.
I wrote TransUnion twice ( XX/XX/2018, XX/XX/2018 ) and challenged the accuracy and compliance of information on my credit report regarding a previous bankruptcy. I asked TransUnion to validate the following information regarding the item I challenged : 1 ) provide me with copies of documents bearing my signature, 2 ) provide me copies of the verification from the Bankruptcy Court itself. TransUnion did not comply with my request. I contacted the Bankruptcy Court, XXXX District of California, to find out how the Court verifies information to Credit Bureaus. The Clerk of the Bankruptcy Court replied and said the Court does not report nor verify bankruptcies to Credit Bureaus. Therefore, it is obvious TransUnion did not verify the bankruptcy information with the Bankruptcy Court. Based on the requirements of Fair Credit Reporting Act, I request that the Consumer Finance Protection Bureau inform TransUnion that TransUnion is not in compliance with the Fair Credit Reporting Act by not properly verifying bankruptcy information with the Bankruptcy Court. I request that TransUnion delete the unverified bankruptcy from my credit report. I have attached documents to this complaint.
My job ran a credit report that included my date of birth and it brings up someone with same name. This person was convicted of " delivery of XXXX " in 1998. I just got XXXX so because of similar last names, I now have no job. If they run my social security number they will see that this person is NOT me.
I received 3 calls in a 19hr span from CARFINANCE.COM ON XXXX. 
calls were collected : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX This is Harassment and needs to stop. I have already given a date of payment XX/XX/XXXX and I still get harassed by this company 3 times in 1day? This is a violation of FDCPA and Rosenthal Act. I want this stopped immediately!
On XX/XX/XXXX, I tried to transferred {$490.00} ( total charge to my credit card with fees was {$500.00} USD ). 
However, the money never arrived, or could not be received in XXXX as promised. 
Even though, I inquired or called several times the issue was never resolved. 
Then, I tried to cancel using the same online system ( or App ) without avail, and instead I was instructed to call to process the cancellation. 
On XX/XX/XXXX, after I called again I was told that the transaction was cancelled and that I would received my money back. 
But, as of today ( XX/XX/XXXX ) I have not received the funds back. 
Basically, I been given the the run around, and been hand up over the telephone several times, and have felt completely helpless and without recourse. 

MoneyGram Reference Number / Tracking : XXXX Please, help because this has happened several times already, and it is not fair how MoneyGram collects the funds and then takes no action to even let you know that something is wrong ( instead you have to call them! ), and makes no effort to correct the situation ( and, even lies, hands up on you after waiting for ever on hold! ).
I received several harassing phone calls from Collection Agencies representing XXXX XXXX XXXX XXXX   indicating that owed {$470.00} for a debt dating back to XX/XX/XXXX. The first Collection Agency identified themselves as XXXX XXXX XXXX in XXXX Illinois, Representative XXXX XXXX, she provided an address of XXXX. XXXX XXXX, XXXX, Illinois. XXXX XXXX XXXX. That called was initiated on XX/XX/XXXX. I informed her at that time, that I did not have an account with XXXX XXXX XXXX XXXX   much less owed them anything. 
On XX/XX/XXXX, I received yet another phone call from CBE Group indicating that they were representing XXXX XXXX XXXX XXXX in an attempt to collect a debt. They had my former name and asked for my social security number. That call was generated by phone number XXXX, and the caller refused to identify herself. She however, informed me that the telephone calls will continue until they I paid what is owed. I am a senior citizens with health conditions and find this abusive. I spoke to an Attorney who informed me that this is some type of Zombie Debt method that is used to force payment. I was also advised by the attorney that oftentimes these companies will show a payment received with a current date to continue their level of harassment and to circumvent the law. My concern is that this is not a debt that I owe and it is well over 28 years! In addition, I have learned through my research that XXXX XXXX XXXX XXXX is defunct. I requested that they put it in writing and to date have received nothing from either collection agency.
The account below is paid off. 
XXXX XXXX Last reported : XXXX XXXX, XXXX {$51000.00} Good Overview You 've paid off 1 % of the original amount. 
Balance {$51000.00} Highest Balance {$52000.00} Monthly payment {$1000.00} Opened XXXX XXXX, XXXX ( 2 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type Automobile Responsibility Individual Remarks -- Times XXXX/XXXX/XXXX days late 0/0/0
Honda is reporting my account to the credit bureaus as a current charge off with a 30 day late payment in XXXX 2009. This is not accurate and needs to be updated.
On XX/XX/2018, I sent the attached letter to Equifax requesting they verify the name being reported on the account. I received notification that the account was verified and remains on my report. This is impossible as the account does not belong to me and is NOT in my name and never was at any point per XXXX XXXX. I don't understand how Equifax is stating they verified my name as being reported for this account. My rights are being violated per FCRA and request this gets re-looked at and immediately removed.
I have received numerous letters of debit collection from XXXX XXXX regarding an alleged debt owed to XXXX XXXX XXXX. I have never opened an account with XXXX XXXX XXXX, and when I requested a letter stating such i was informed that the account had been closed. I further requested a letter stating such and was informed that XXXX would not forward a letter to me the consumer. So, i further asked if XXXX would inform the credit agencies and the representative for XXXX hang up the phonw.
we have a construction loan since we bought the house and the land in XX/XX/XXXX first with XXXX XXXX 's Federal Savings bank in XXXX XXXX Maryland we got behind in payments after lost Job in XX/XX/XXXX and XXXX XXXX 's XXXX XXXX XXXX refinanced us to a lower interest rate to lower payments and then the other spouse lost her job in XXXX and our payments of XXXX was replaced back into our loan to catch us up but after the bank sold our loan to Gregory Funding who we think are a group of investors-that took the loan over added back the XXXX plus all the added arrears on to the loan. My husband is working full time as an XXXX and we have extra income due to my father who is a vet living with us we are now able to afford our home but after mediation with Gregory Funding they are demanding we pay the XXXX plus an extra XXXX including the mortgage payment of XXXX or they will foreclose on our home that mediation was done on XX/XX/XXXX they said they will contact us in 30 days for a final option from us it 's now XX/XX/XXXX and we are getting nervous cause we have not heard from them and we do n't want to lose our home Gregory Funding only has a XXXX XXXX XXXX XXXX XXXX we do not have XXXX in funds to catch this loan up and what they are asking from us is not workable to help us stay in our home something seems very suspect with these investors.
Citizens Bank put a hold on funds deposited for a check that was deposited at an ATM on Saturday night, XXXX until Tuesday, XXXX. The check cleared the payer 's bank on Tuesday, XXXX, but Citizens Bank continued to hold the funds. The check was for less than {$5000.00}.
on XX/XX/XXXX I used my card for a {$100.00} deposit for a complimentary room at a hotel on the XX/XX/XXXX the hotel released my deposit back to my card but netspend did not post it.On XX/XX/XXXX I again used my card for another {$100.00} deposit for a complimentary room at the same hotel the hotel released the funds back to my card and netspend did not post it.

I called netspend and was told XXXX XXXX XXXX XXXX tried several times to release the {$100.00} deposit back to my card for both deposits but netspend informed me I need a letter from the merchant stating i would '' nt be charged in order to put my money back on my account and would need a letter from every merchant for a refund in the future. 
Once the merchant released my deposit it should have been posted to my account instead netspend would like me to jump through hoops to retrieve it. 
i am also missing a refund in the amount of {$82.00} from a purchase i made at glock store online on XX/XX/XXXX and was told once again i need a letter from the merchant to retrieve my funds.
I have an XXXX XXXX card through dillards. The orignial company that own this card was XXXX, and they have sold it to wells fargo. I have made all my payments on time up until XXXX, when I tried to activate my credit protection benefits and wells fargo the new owner of the card is telling me thy do n't offer that service but I paid every month on my statements for it. I ' experiencing a financial hardship in my life and need this beneift activated. I have called wells fargo and someone was suppose to get back to e regarding this.
My clients home is up for foreclosure sale on Tuesday XX/XX/XXXX ( THIS TUESDAY ). It is on the court 's docket. 
The loan apparently transferred servicing from XXXX XXXX XXXX to SPS effective Wednesday XXXX ( tw days ago ). 
We are unable to dicover the status of loss mitigation application as XXXX XXXX XXXX can not open their records due to the transfer and SLS has no record of it in there system per my call this afternoon! 

Attached are the serviving violation detailed specifically. 

Thank you for your assistance.
I got on behind in payments in XX/XX/2017. I am being charged all kind of fees and i dont know what they are for.They say they have a 3rd party coming to the house every month to see if i am living here. There is a {$15.00} fee for that. I have no proof they were here. And they wont tell me who it is. I signed a paper to have payments owed to be added on to my loan. I was to start out fresh in XX/XX/XXXX. Now they are adding on late charges and fees again. I havent been late. They keep telling me they will check it out but I never hear from them all they do is lie.
My loan fell behind XXXX months because of a job change, I was attempting to make a payment over the phone. I have money coming in XX/XX/XXXX and I explained to the company I wanted to make XXXX payment on Friday XX/XX/XXXX. They refused to take my full month 's payment unless I agreed to pay for XXXX months worth that was predated. This company, U.S bank XXXX mortgage is clearly violating UDAAP provisions because I 'd still be taking credit damage and late fees in spite of making payment arangements, which is undue financial damage to me.
I put XXXX down on a XXXX vehicle 3 weeks ago and they will not give me my full down payment back. They took my car without warning a few days ago. The manager refused to take my car payment. It was less than 24 hours since the payment was due. The so called manager said she closed my account because she said she did n't like my attitude and wanted her car back. The finance company is very rude and unprofessional. XXXX and XXXX do not have any type of integrity or heart for human beings. Nice cars, but the company that owns them are something else. I told them I was an identity theft victim and XXXX told me that was my fault. I was Called a liar. I kept getting cut off and told over and over they do n't care. They are so heartless. This is the worst decision I have ever made. They give a 0 day grace period no matter the situation. I have never been treated The way I was by a company this past weekend. I fell into tears. Carplex needs a new bank to work with before they lose all of their good customers. Run from this bank!
On XX/XX/2017, XXXX XXXX visited ToysRUs at XXXX Mass ( XXXX XXXX XXXX, XXXX, MA XXXX ), the clerk at the checkout counter coerced her into applying the XXXX credit card regardless of her unwillingness. She is a ID Theft victim and her credit files are frozen since last year. The clerk and manager pressured her to apply, stating ( incorrectly ) that it was an internal credit review without involving credit bureaus. 

As a result of this application ( which was immediately declined due to credit freeze ), Her husband had XXXX fraudulent applications with AE Outfitters and TJ Maxx with the same Synchrony Bank ( on XX/XX/2017 ). Both of us ( XXXX/XXXX ) were fraud and ID Theft Victims and ToysRUs disregarded our situation and still forced XXXX to apply that resulted in additional fraudulent offenses with Synchrony Bank. Even though no negative financial impacts occurred due to the credit freeze of XXXX/XXXX. This is the most frustrating and XXXX experiences for both of us. 

We demand an apology from ToysRUs as well as financial compensation for our emotional loss and XXXX.