WillisBack/dataset-financial-user-claim huggingface dataset:
This particular credit card company has an XXXX XXXX  cut off time for paying bills online. If you miss that time they charge you a {$25.00} late fee. Honestly I have missed this before, but I call the next day and they adjust it off. This time I was online getting ready to pay on XX/XX/2019 and it was a few minutes before XXXX XXXX. My internet went out and by the time I was back online it was a couple minutes after XXXX XXXX  XXXX to be exact. I clearly remember this because I thought there is no way they are going to charge me for being 2 minutes late. Wrong! I received my online statement today XX/XX/2019 and they did charge me {$25.00} late charge. 
I called today XX/XX/XXXX, XXXX and they will not adjust it off, they said I have no wavers? I am guessing you are only allowed one waver every so many months that is why I have not had problems in past. I asked to speak to supervisor and she basically told me the same thing even if one minute late they will charge you. I asked to dispute this charge and she said they dont do that, you cant dispute late charge. I asked to speak to someone else and was told there was no one else I could talk with there was no one above her. I said you must have a boss and she advised they only do administrative work, frustrated I said thanks and hung up After hanging up the more I thought about this I do not have this problem with anyone other company I pay. I believe this might be this companys way to get people to pay more money on late fees with the XXXX XXXX cutoff time. 
I receive an email, but a lot of times I dont even get to my personal email until XXXX or XXXX XXXX. This is exactly why I have had to ask for help in the past, because I open email after the cut off time. Not only the time but the date its the XXXX due date, all of my other bills are due at end of month. 
I believe they are taking advantage of me and I am sure other customers by having this special due date and time. Then when calling and asking for help all the sudden they dont want to help. I have been working very hard to clean up my credit history for the past year, and I just recently jumped up by thirty points, this late charge is going to affect my credit history that I have been working so hard to improve. I would like this late note removed from my account and a refund. 

Any help would be appreciated. Thank you for your consideration if I can provide further information please let me know Best regard
I have an inquire on my report I did not authorize   XXXX  / XXXX  I. nquiry   XXXX   XXXX   XXXX
Employee at XXXX said that I did not owe a fee since I paid XXXX months fee as well as last months fee upfront when I first signed up. I cancelled the actual membership in the gym and they said I did not owe anything after that. Now I owe {$70.00} dollars which I never received a letter in the mail saying that is what I owe so that I could dispute it. This gym is just trying to scam me with nonsense fees that I was not even aware of because of lack of knowledge from employees. I have a good credit score from all the years that I 've made payments at the right time. This is not a debt that I owe. The gym shut down so there is no way of me contacting someone with this issue. Now the debt collector is starting to call my place of work.
I am a Wells Fargo mortgage holder. I pay my monthly mortgage payment via the Wells Fargo website each month. Unfortunately, I pay my payment after the XXXX of each month so I incur a late fee. I used to be able to pay the monthly late fee each month with my monthly payment. However for a few months I was not able to pay the late fees but I paid my mortgage payment. 
The issue is that within the last couple of years, the Wells Fargo payment website was changed so that it does not allow you to pay that months late fee without paying the entire late fee balance. As a result, I have about 18 months work of late fees racking up and that will continue to rack up. 
The complaint is that Wells Fargo changed their payment website to not allow customers to pay that months late fee without paying the entire late fee balance.
I XXXX in a Title 1 school for a period of time in excess of 5 years. According to the XXXX Loan Forgiveness program, I was eligible to have up to {$17000.00} of my student loans forgiven due to this work experience. I was eventually ( it took a tremendous amount of time ) approved for the forgiveness, only to have my loans transferred to a new company before the forgiveness was applied. The forgiveness was never applied to my loans and the new company has refused to honor the previous approval. Also, due to my financial status I have had to keep my loans in forbearance, accruing more and more interest charges for amounts I likely will never be able to repay.
Equifax was breached and I believe I could be a victim of their incompetence as an organization. I, along with millions of other Americans should not have to deal with the repercussions of this companies mistake. I have applied to XXXX to try to see if there was some option as to locking my credit. Luckily there was and I proceeded to do that.
XXXX XXXX had destroyed my roof XX/XX/2017. And I was not getting any service from this company for seeing baseball games, seeing shows as scheduled since XXXX XXXX. I had a service paid for XXXX for {$40.00} gave all this. So I cancelled my service XX/XX/2017 with my account current on this date wanted to know the terms for cancellation. XXXX XXXX stated return all equipment and pay {$220.00} as a final payment. This is a penalty of XXXX a month for eleven months. All This was done per XXXX XXXX instructions to the letter. And I had to pay {$60.00} to nail down three shingles back on my roof knocked down by the XXXX XXXX Antenna flying off the roof hitting my roof dislodging three shingles. So XXXX XXXX wants to collect extra money to get the full contract price not providing any service. This is a predatory contract givning no service. I do not want to be harassed by XXXX XXXX through XXXX forever. 

Sincerely XXXX XXXX
Victim of identity theft.Theft purpatraitor destroyed my credit running up a bunch of bogus accounts .reported to credirmt reporting agency and have a difficult time getting items removed that do not belong to me.they also have wrong names there is a XXXX XXXX XXXX And a XXXX XXXX And XXXX XXXX XXXX of these are mine name.XXXX XXXX no middle name or intial.please remove from my account. Thank u
I have submitted several written disputes with the credit agency notifying them of   XXXX   XXXX   XXXX   attempts to report fraudulent information.   XXXX   XXXX   XXXX   is stating that I owe   XXXX   XXXX   XXXX   {$670.00}. This information is false. I have never had a account with   XXXX   XXXX   XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and   XXXX   XXXX   XXXX   requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from   XXXX   XXXX   XXXX   authorizing   XXXX   XXXX   XXXX   to collect the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following section 16 of the FCRA -Documented proof showing payments were made by me on this line of credit -Documented proof showing the dates within the credit file are correct   XXXX   XXXX   XXXX   has falsified their reporting and the credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.
I have a loan with personal finance in XXXX, Indiana. I recently called to discuss the amount due on my personal loan as it did n't seem like it was correct going by my records. I expressed my concern with a lady named XXXX. After talking with her she had no idea what was going on. I then asked to speak to the branch manager and was told they did not have one. I was shocked to find out that there was not an operating manager at the business. She informed me that there training supervisor was there. I spoke to her and she said she did not have time right now to discuss with me and would call me back that same day. This was Friday XXXX XXXX. I never received a call, had to call them and told that I would receive a call back Monday. This never happened. I am due for XXXX of charges that are not explainable. The company recently got bought out by mariner finance.
This issue is against BMW Financial. My daughter has moved out and she does not need the car so I requested a lease end option as I am already struggling with finances. My husband took early retirement due to XXXX XXXX so he lives in meager XXXX XXXXunds. I called BMW and explained the situation so they offered to buy the car and BMW sent an inspector who sent in the results and BMW informed us by phone that the car will sell for more so we only owe the disposition fee of {$350.00}. When they sent the offer letter they sent it to an account other than mine but to my daughter 's email. It should have gone through MYBMW secure center. They never sent any letter regarding the offer to my email address which is on the file as the main account holder email. As a result, I received the letter late from my daughter. She assumed I had the letter too as the loan is under my name. BMW changes its statements every day. They either tell my daughter, is authorized and another day, they tell her she is not authorized. I have added her 5 times. They use her whenever it is convenient.This time, they did not send me the offer letter to my email or my secure BMW account and because of that confusion, the offer expired. when I called them to resent it, they came back with an offer to pay off with that {$7000.00} payment. They told me the other offer expired. I told them that I never received the letter. They refuse to go back and honor the same offer as I never received the letter on time. They told me to always write through my BMW secure center, yet they do not practice that rule. They are sending emails all over. They told me that my daughter asked to send the email there but I told them you should still send it to me as we are never sure if she is on or not. When you call to confirm, they use my email as the email confirmation yet they break their own rule to send an offer letter to her and to the main account holder. For the last 8 month, every day, it is a different issue. They never write back. Today I talked to a supervisor and complained that why do n't BMW use MY BMW secure center as all lending organizations so today she listened to me and just she sent me another letter. Now she is telling me to pay the whole residual of {$42000.00}. All calls we make are recorded an on the account so you will understand my struggle. They never write but say things over the phone. They can erase records to control themselves.Is there any solace for the customer. My dispute is-I want the same offer letter to be sent to me via the correct email account which is mine. They confirmed my email account many times and yet decide to use my daughters for the offer letter. 
Is n't this unfair, deceptive practices?? 
Thank you XXXXXXXXXXXX
I HAVE FILED FOR A MORTAGE MODIFICATION MULTIPLE TIME OVER THE PAST XXXX YEARS. THE SERVICER HAS REPEATEDLY DENIED MY APPLICATION CITING FACTUALLY INACCURATE/INCORRECT REASONS FOR DENIAL. 
AFTER XXXX YEARS OF MULTIPLE FILINGS/REQUESTS/DENIALS, THE CURRENTMORTGAGE SERVICER FINALLY OFFERED A TRIAL MODICIATION PLAN WITH AN XXXX GUARANTEE NOT TO FORECLOSE. I AM I 'M CURRENT IN MY PAYMENTS ON THE MODIFICATION HOWEVER, A LAW FIRM RECENTLY SENT ME A NOTICE OF FORECLOSURE/SALE. ADDITIONALLY, I 'VE BEEN REVIEWING MY ORIGINAL MORTAGE DOCUMENTS AND REALIZE THE INTEREST RATE ON MY LOAN IS A XXXX PERCENT HIGHER THAN WHAT IT WAS SUPPOSED TO BE!
I initiated a dispute for seven charges. I provided Barclay my full dispute details. The fantasy football service through gamership was never provided. I laid out all the details for Barclay. They refuse to actually investigate. The representative spoke little English named XXXX told me that the charges were legitimate because they were online gambling. I told her that 's not what it was. California law allows fantasy sports as well as federal law but I never received the service. So I asked them to reinitiate the dispute process and faxed over updated information. They refuse to assist me or provided documentation as provided by their own policies and California consumer law.
I went through a loan modification process that took this company 1 year and a 1/2 to  resolved when they finally came through saying I was approved for the loan modification they informed me on a telephone call that I've made to them on XX/XX/XXXX, however they stated the loan modification was approved back on XX/XX/XXXX, I did not received any notices on the mail or phone calls or perhaps an e-mail stating this was already approved not to mention a placed phone calls to this company at least twice a month to check the status of the loan modification every month since the process started, I did not know where the payments I was making ( every month ) where going to and that's why the phone calls on my part took place, they just kept saying to keep making the trial payments and they'll informed me when it was approved!! so it was very shocking to me to find out the way I found out since I was making calls every month and since it was back from XX/XX/XXXX to XX/XX/XXXX, then this company told me the same day this happened ... " by the way you are behind a month '' even tough I was making ( trial payments every month ) when I asked the representative she told me that she did not know how this could of happened but she said I am going to help you she replied then she said to make payments with a little extra money for 3 months and the " late payment '' was not going to take effect on my credit since it was a mistake on their part. Well to my surprise they have been reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX being 30 days late, not " XX/XX/XXXX '' wonder why? and also reporting XX/XX/XXXX and being late 180 days, this has created a serious issue with my credit report and score and I want this company to be fair and removed what they did wrong in the first place I've send them dispute letters and there is no response, I asked for copies of signed documents for the modification and a copy of the approval letter of the modification with dates so I know when it was sent to my residence which has been the same for the last 5 years and it is the same house I'm paying the mortgage with this company and they failed to do so, when I call they send me to a loss mitigation dept which never answers and they have not been able to provide me with the modification documents I need to make a case against this company with my lawyer probably because they don't even have them I want to remove all late payments from my credit history with all credit bureaus ( Equifax, XXXX and XXXX ) companies like this should not be able to get away with destroying peoples financial lifes because of their inability to do their job correctly and fairly ... I want my financial life back.
I've been writing all three credit bureaus since last XX/XX/2017 ( see attached ) XXXX, XXXX, Equifax Dispute Letters with the dates times and amounts there was a total of XXXX inquiries. I also disputed a closed account with XXXX 's even with the police report they said its mine the account is but paid off in full there is a police report that states its not mine. There are new inquires that I just updated the police report with them and I need them removed immediately and not in 30 days. There is a collection account as well that is not mine on all three bureau ( see attached ). I just want the following done about this matter
Completed an inquiry with Lending XXXX to refinance vehicle at a lower rate. In return I received XXXX individually credit inquiries which XXXX dofeereny credit unions checked my credit report. As a result my credit score has been impacted and decreased tremendously.
My wife ( who is a signer on both our business and personal accounts for PNC ) went to a branch to have a third party check cashed. The teller refused because of bank policy of there not being enough $ in our account. ( The check was over by XXXX $ and later Customer Service said that he should have cashed the check especially since there was plenty of $ to cover that check in the attached business acct. ) The incident descended into an intransigent argument. 

As a result of the altercation, the teller cancelled my wife 's personal account debit card using her social security number to do so. This was confirmed by information received by corporate customer service a few days afterwards when my wife called in to check the status on a card that was n't working for transaction even though we have $ in the account. 

I went to the branch where the exchange originally occurred to speak with the manager, explained to her the situation and she even confirmed that this teller 's name was listed as the agent who closed my wife 's card and the date ( that the altercation occurred ) was listed as the date that it was closed. She excused herself to speak to the teller and get " his side '' ... 
Funny, he could remember the altercation, but not remember closing her card, but then gave the manager some story about someone calling at some point later in the day to cancel a card and he could n't remember if it was my wife 's card or not, but he 's not sure ... Even though the manager said to me " but no one 's card but your wife was closed on that day ... '' I was assured that PNC takes these sort of matters " VERY '' seriously and that she was going to be escalating this incident for investigation etc ad infinitum ad nauseum ... 
That was Friday XX/XX/2016. We were contacted by an agent in the " executive relations '' section of PNC that same day saying that she would be handling the investigation, but calls to her or others in her office have yielded only run around results and answers. In fact, the person I just spoke to who was in the same " section '' as the " investigator '' said that no investigation had even been opened regarding this incident. 
This teller has access to our personal information and has already used it once to close a card in order to retaliate against us. This behavior is not only unprofessional and potentially criminal, but it is a serious breach of our trust as multiple account holding clients and the general public at large.
In 2011, I became very ill and XXXX making it impossible for me to work causing a horrendous hardship and I got behind my mortgage payments, I desperately call my lender / servicer Wells Fargo Home Mortgage. requesting assistance with my loan with no avail.I continued to ask for assistance for a loan modification under the XXXX XXXX XXXX Making Home Affordable program, I began to fax all requested and repetitive documents to the modification department for several months, I was constantly transferred to different Wells Fargo Home Mortgage. representative and agents. I was distress, anguish they kept denying my request for a modification I was in disbelieve Wells Fargo Home Mortgage made this into a nightmare I continued to plead with them, and explained my difficult situation but it did n't get me anywhere. I want to file a complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and XXXX, method with the process of my loan modification and for denying me the XXXX XXXX XXXX - Making Home Affordable Program after I was assured by their representative agents I would be eligible if I followed their instructions and I did.
I filed a complaint against Specialized Loan Servicing, case number XXXX, in which SLS is claiming that I have missed a monthly mortgage specifically on XX/XX/2017 in the amount of {$1300.00}. That was SLS 's response to my case where I was asking why I owe them a month 's mortgage payment plus interest when I know I have never missed a mortgage payment ever. 
I checked my payment history with SLS and it clearly shows that I paid {$1300.00} on XX/XX/XXXX for the monthly mortgage for XX/XX/2017. Then on XX/XX/XXXX I made an early payment for {$1300.00} to SLS for the month of XX/XX/2017. This was where the problem began. Somehow SLS credited this payment somewhere else and not to my XX/XX/2017 mortgage payment. 
SLS can double check my payment history and it will clearly show that I paid twice in the month of XXXX. It was because of my early payment to SLS that this problem occurred. 
With that said, I would like SLS to reconsider and double check my records to verify that I have never missed a monthly mortgage payment. 
Regards, XXXX XXXX XXXX
On XXXX XXXX, 2015, I have noticed that I was being alerted by XXXX that GE capital has pulled my credit report without my consent. Someone has used my social security number in order to used my credit. I asked the bank for a copy of the application, but someone reason a rep was able to give me that information before, but know as I had called back on XXXX, the rep refused to give me that information, as I was able to get the information before, but i have misplaced it, i did not authorize this company to pull my credit report without my consent, i am trying to file a police report about the person who tried to obtain goods in my name,, but I would need the application or some sort to let the police know that someone had used my information without my consent, the bank has engaged in fraud and identity theft. And also the company needs to send me a copy for a letter stating to remove the inquiry. So since the company will not cooperate, i decide to file a compliant.
I am call at least 5 times a day and so is my husband I am on XXXX and can not pay at this time they will not accept payments without bank account which I will not give them I have offered to send small monthly payments and they will not accept them
I am putting in a complaint against Lexis Nexis XXXX because they have placed an alert on my consumer file that has made it difficult for me to apply for credit. I have tried to contact them on this to no avail. I would like my file to be free from any alerts and for my file to be placed on freeze status instead.
Someone opened a fraudulent natural gas account using my first name and social security number. That account was sent to First Point Resources for collections. 

I submitted a credit dispute with XXXX of the major credit bureaus and they began investigating. During this investigation I worked directly with First Point, providing them verification documents by email as requested, including the FTC 's identity theft affidavit and a copy of the related police report. 

Eventually the credit bureau responded that the debt collection company ( First Point Resources ) had verified that this account was actually mine. 

Upset, I called First Point Resources to get an update on the situation. Their representative said that First Point never received a copy of my police report. I was incensed that instead of sending any notice to me that they did not receive my police report, they verified fraudulent information with a credit agency. 

I then proceeded to send police report and the other relevant documents by email to First Point. It took me sending these emails XXXX for First Point to " get them, '' the manager was never available to speak with ( always in a meeting ), and First Point has never in my interaction with them contacted me on their own initiative or informed me about the status of my collection account. All of this could have been avoided if First Point Resources notified me as they are required by Section 5 of the Fair Credit Reporting Act which provides that " if an agency declines or rescinds a block, it must notify you. ''
My partner and I had difficulty opening a joint account at the Wells Fargo Bank. The Banker reported false information on our application, and stated the system shut down before he could add my partner as a signer. He collected sensitive information, including my partners SSN and phone number. Yet, neither were reported on the application that he printed out for us. We reached out to Wells Fargo, and they have not been helpful thus far.