WillisBack/dataset-financial-user-claim huggingface dataset:
Electronic payment made. Bank of America accepted payment, then, although the payment had cleared my bank ( over {$4600.00} ), BOA put a payment processing hold on it and continued to charge interest. 
Call to BOA was frustrating ; they said they would call my bank to verify funds. This was an ACH payment. If funds had not been good, it would have reversed immediately. The bank knows that. 
If the practice of placing a hold on ACH payments is not illegal, it should be. 
Since banking system involved ACH, payment initiated on the XXXX that cleared on the XXXX would be well known to the bank. Except BOA is well known for trying to rip off customers.
The principle on the student loan is never reduced even though I make a larger than scheduled payment amount. I have called and asked, they said that this was just deferring my current statement due date. What I want is to pay my loan principle. This should be illegal, as they are charging me interest on the full loan amount, and not the decreasing balance which should be reflected in my additional payments. As of my last statement it says that the current statement due date is XX/XX/2017.
I purchased a XXXX jeep patriot XXXX/XXXX/2015 and my interest rate is very high at 17.9 % the suv is {$25000.00} and it 's a 6yr. term buy the time it 's payed off i would have payed over {$39000.00} for it. what can i do?
I had a credit card with XXXX 's XXXX for two years never had a late payment. My bill was due the XXXX of every month. Unfortunately, XX/XX/XXXX I had a XXXX in my family and had to go out of town for a couple of weeks. I somehow missed my payment due on the XX/XX/XXXX but, paid it on XX/XX/XXXX after I got back in town after the funeral. The next day I received a letter in the mail from XXXX XXXX XXXX stating that I was 30 days late and my account was closed. I called customer service and the rep stated that my account was closed due to non-payment and they could not reopened my account but if I waited a year they might reconsider.
WELLS FARGO seeks to enforce a debt which is barred by the four ( 4 ) year XXXX Statute of Limitations, is unenforceable and illegal for collection. I have hired a XXXX Private Investigator to determine if any filing or judgment exists in the State of XXXX or XXXX. None has been found. 

The debt is not mine. THE CLAIM IS MADE AGAINST THE NAME OF XXXX, but it has come to my mailing address in the past.
I had XXXX XXXX  in early XXXX. When I left there was no balance. I filed bankruptcy XX/XX/XXXX and it was discharged XX/XX/XXXX. If I was to owe a balance it should have been dismissed. However the date the bill indicate XXXX, is incorrect. I have not had service with them.
Every week I have a issue with on line or my atm I am feeling targeted this is my third ATM card and every time I try to check my accounts on line to stay on top of things there is limited access or I have to call in or go in to see some one. What is the point of the on line services if they never work.
I owed {$1600.00} to XXXX XXXX XXXX Credit Card but medical expenses probated payments. My wife, XXXX, XXXX. We both live on XXXX only. 

XXXX XXXX XXXX sold the debt to a law breaking junk debt collector XXXX XXXX, XXXX. Their attorney, Guglielmo & Associates PLLC, harassed us with calls all hours of the day. Their bill collector went to neighbors misrepresenting themselves as the police and disclosing we owed money and we were deadbeats. 

The law firm sued us and won a default judgment for {$2300.00} on XXXX/XXXX/2016 ( attached docs ). We wrote them on XXXX/XXXX/2016 telling the attorney to cease all collection harassment ( attached docs ). They continued to tape legal work to our front door after our cease and desist letter. In speaking to the law firm they were aware that our income was from Social Security only but the attorney threatened to illegally garnish our checking account on XXXX/XXXX/2016 ( attached docs ). 

We filed bankruptcy on XXXX/XXXX/2016 but to date the attorney has not removed the collection activity from our credit report. 

XXXX XXXX XXXX and Guglielmo & Associates PLLC have violated the FDCPA laws and should be held accountable for their law breaking activities..
Wells Fargo is my mortgage servicer and they are attempting to foreclose on me with out due diligence. They have not demanded me or given me any notice of default but are saying that they can use a demand from 12 months ago. I have been blocked from making payments and they are not willing to negotiate with me regarding any remedies.
I made a wire transfer to Coinbase on XX/XX/XXXX, and they said it was declined due to a name mismatch, and that they will be returning this wire back to my bank within 7 business days. After 7 business days, I sent them an email, and they stated that they were dealing with higher than average requests time, and that they needed more information about the wire ( reference #, XXXX #, full name, etc. ). I quickly reply to that email providing all the information necessary. This was onXX/XX/XXXX 

On XX/XX/XXXX, they replied stating that they recently experienced delays with wires due to high volume and the additional manual processing that they require, and that all delayed wires from their backlog have been processed ; and that I should receive my funds within the next 2 business days. 

I sent them another email on XX/XX/XXXX about the status of my wire, and I have yet to receive a response. I have only been receiving automated responses, and it is now almost XXXX. This is ridiculous. WHERE IS MY MONEY? 

Case ID : # XXXX
I requested a debt validation letter to validate a debt from the original creditor from a company called Focus Receivables. The agency informed me that it does not fall within my right under FCRA laws to request XXXX.
Complaint being filed towards Experian for incorrect reporting on XXXX XXXX  Account Verification information for proof that I XXXX XXXX XXXX is filing this complaint and it's not a fraud complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX Phone : XXXX Date of Birth : XX/XX/XXXX I have called and disputed this transaction with Experian and also thru the CFPB which Experian stated on both disputes that XXXX XXXX  account has been closed and does not report on my credit report which is a lie. Experian will delete the account and two weeks later will put the account back on your credit report and blame it on the creditor. I have contacted XXXX XXXX several time inquiring if they informed Experian to put the account back on my credit report and they said no. XXXX does not report monthly to Experian any longer due to the account is paid off in full. I spoke to the Vice President of Customer Service at XXXX  XXXX XXXX XXXX and she was the representative to inform me of the information I am providing. I am requesting Experian to remove and XX/XX/XXXX late payment reporting on my XXXX XXXX Account immediately. I have enclosed documents showing proof that the settlement check was cut, received and deposited by XXXX XXXX in XX/XX/XXXX. The attorneys I have hired from XXXX XXXX will fight legally with Experian to get the account removed permit but at this time due to the proof of payment in full to XXXX XXXX in XX/XX/XXXX I am requesting the late payment to be deleted immediately!
Credit card company raised my interest rate without prior notification, late payment was noted incorrectly on my credit report in XX/XX/2017. I paid online and credit card company sent me to the credit buero for {$6.00} after NO MISSED PAYMENTS for 12 years. This was late payment was inaccurate, they raised my interest rate, without informing me of my rights or any disclosures. The law is you have to give the customer 60 days prior notification before you raise there rate.
I sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.
I saw on my credit report that enhanced recovery company had reported a debt on behalf of XXXX XXXX. I researched the company through the secretary of state and the internet to find to an address to send a certified debt verification letter as I know nothing about this debt. I sent a letter based of the same consistent address I received from from the company 's website and the secretary of state website. However, I received the letter back OPENED and marked undeliverable. I have yet to hear anything from the company, the debt still has not been verified, and it has not been removed from my credit report.
On XXXX/XXXX/16, a sales rep from American Express came into my store and presented me with an offer of a credit card. Since my business very much depends on the XXXX season, I told him that the only card that would work for me would be one I could pay out monthly. He assured me that the card I would get would be what I needed. I got the card and proceeded to spend {$10000.00} on merchandise for my store. When the bill came, I noticed that the total amount was due, with no option for a minimum payment. I called the rep and he said, " Just call them and they will fix it, they do it all the time ''. So I did. Unfortunately, they did not fix it and told me they could not fix it or transfer my balance to a card that would be better suited for my business ; that a monthly payment was not an option for the card I had and too bad for me. Amex would not let me make payments online or with a check ; they insisted I give them my checking account number so they could take the money directly out of my account. I was uncomfortable with this, but felt I had no option if I did n't want to be reported to the credit bureaus. I called 3 or 4 times, but not until I mentioned your agency would they consider not taking {$2500.00} every Friday from my account ( which I did not have ). At that point, I spoke with a supervisor and she put my account on hold until XXXX, at which time I will have to pay close to {$5000.00} more ( I have already paid {$6000.00} ). I was lied to by the sales rep, even though he knew I would not be able to pay the bill until XXXX. I have not been able to pay my XXXX rent because of this deception and my landlord wants his money, too. I am afraid that if my XXXX sales are not what I expect, I will be evicted from the XXXX. I would never have gotten the Amex card had I known the stress it would cause.
I have disputed information as fraudulent and not being opened by me and they refuse to remove the information from my account.
My servicer, ACS Education, purports to provide forms on their website that borrowers can use to request in school deferments. However, when I attempt to complete the information necessary to print out a form to request a deferment, the ACS website displays an error message stating " Please enter Valid Account Number. '' ( The form includes a field that says " account number. '' However, this field is pre-populated and can not be edited by the user. ) The same error message appears when the user clicks on the button to download a blank form. The " Deferment Assistant '' on the ACS website does n't provide any other information about how to request an in school deferment for federal loans serviced by ACS. It seems quite possible to me that this website design is intended to discourage borrowers from seeking deferments for their loans.
I have a safe deposit box at the local Bank of America for 10 years. I recently hear that that location is closing and so I called the branch on XXXX/XXXX/16 to ask when should I go and collect my safe deposit contents. I was informed that the box has been drilled open and the contents are sent to a " central '' location. I was never notified that they will do this. I live XXXX miles away from the bank and the rental fee is directly debited from my BofA bank account. This is not ok. My valuables are tampered & they have not been returned to me as of this date of complaint.The bank also told me XXXX different stories of how the contents are handled. XXXX version was the entire box was wrapped up without opening the box and exposing the contents. XXXX version was the items were inventoried by bank personnel.
I was approved for a Citi Premier Card on XX/XX/2015. On XX/XX/2015, the public offer on the signup bonus went up to XXXX points if you spend {$3000.00} in 90 days and I asked the Citi social media team to match me to that offer, which they kindly did. I got a letter shortly thereafter via US postal mail dated XX/XX/2015 ( I have provided the letter as an attachment ) stating " Your account is enrlled in the promotional offer to receive XXXX, XXXX bonus ThankYou Point ( s ) as long as you spend {$3000.00} by XX/XX/2015. Since the offer is XXXX if you spend {$3000.00} in 90 days, this made sense because I opened the account on XX/XX/2015 and 90 days is XX/XX/2015, just as the letter states. However, I called in yesterday XX/XX/2015 and was told completely different terms. I spoke to XXXX, Account Manager, ID number XXXX and she told me completely different terms than the letter Citi provided. She stated since I was matched to the offer on XX/XX/2015, all purchases prior to then do n't count towards the minimum spend but that I have until XX/XX/2015. This contradicts the terms provided to me in the letter from Citi. These new terms that XXXX told me are not listed in the letter.
Capital one have systematically changed unnecessary overdraft fees on account to delay components that are in volition of due process, denial ofmeaningful access to support programs, activities and services due as capital one withholding information that is being Altered and changed information of XXXX to illegally transfer exemptions value rule, modified endowment OF contract changing classification section XXXX, denying of grandfathering provisions, causing massive and major suffering on family economic resources as capital one continue to interfere by charges of unexplained and unnecessary overdraft fees causing hardship and economic losses
I sent this Debt Buyer a dispute letter via certified mail. They signed for it and have not responded or provided proof of the alleged debt they claim i owe. I also did some research on XXXX XXXX XXXX XXXX and it turns out that they are NOT licensed in the State of Pennsylvania to collect on Auto Deficiencies. They do have a license as a debt collector but not the state specific license to collect on Auto Deficiencies. They have violated the FDCPA by collecting on a debt they are Not licensed to. They also have not provided any proof of this alleged debt which is false and misleading. I have already consulted with a consumer protection attorney.
In XXXX 2015 I applied for a refinance through Network Capital Funding Corporation. I was given loan details, loan terms and eventually was provided with a loan commitment. ( see attached ). During that process my credit report showed items which were erroneous and I worked with the respective parties to have these items removed which they were. However, rather than requesting credit supplements from the credit bureau, Network Capital proceeded to request hard credit inquiries again and again totaling XXXX inquiries in two months and a half months. ( the Network Capital hard inquiries are highlighted in yellow and attached ). Thease inquiries severally damaged my credit scores causing additional and unnecessary inquiries to remain on my credit report and thus changed my credit profile and lowered my credit score. 

Beside this, I was told my appraisal would cost {$400.00} ( see attached loan details ) and I received disclosures to that effect, however, Network Capital caused my credit card to be charged {$510.00}. ( see XXXX XXXX statement ) The appraisal was completed and there was no mention as to a refund of the difference. of {$110.00} and I was still being disclosed {$400.00} thereafter!!! When I asked my account rep he stated he the charge was only {$400.00} and he did not know why I would be charged more. Furthermore, I was given a closing date with final disclosures and Network Capital failed to submit the package to a mobile notary who contacted me to set up the closing documents. Network Capital stated that they needed an additional document and was " waiting for the president to sign off the paperwork. '' After another week I requested that the file be transferred to another company, which they did. 

When I started this refinance I was able to qualify for a conventional cash-out refinance with no escrows. Now my only option is an FHA loan with escrows and mortgage insurance. This means that I have to pay over additional {$5200.00} + at the time of refinance and approximately {$190.00} per month for a minimum of 11 years!!! This is over {$25000.00} I did not need to pay - all because my score dropped not because of non payment of debt or addition of debt, I actually decreased my monthly liabilities - it is purely a result of the hard inquiries by pulled and populated on my credit report by Network Capital Funding Corporation.
I was attending XXXX University when they lost their accreditation. They were granted accreditation for one additional semester in order for any students who could graduate to be able to do so. Since I would not be graduating during that semester I was not allowed to enroll in any class that final semester. I still have the email from the school stating I was not allowed to register that semester. Due to this fact I was no longer a student 129 days before the closure date. Just 9 days shy of the 120 day cutoff. I have written letters to Navient, the US Senators, and the president. US Senator XXXX was working on this case for me but Navient just kept saying they would not forgive my loans. In the beginning they kept letting me defer the loans and never offered me a lower payment. Finally I was able to get my payment lowered to XXXX/month. I paid for a full year and now they have increased my payment to XXXX per month! I currently still owe XXXX for a degree I was never able to finish. I could not transfer my credits to another school because there is not a school within a two hour radius that offers the same program. The most recent letter I have from the WV Higher Education Policy Commission states that I need to petition the secretary of education to have the period extended past 120 days. However, the letter also states that there is no written procedure on how to petition the secretary of education. I sent the email from the school about not being able to attend that XXXX semester to the senators. Senator XXXX stated the appropriate officials were aware of my case but I never heard anything further from him. Senator XXXX also sent me a letter on the same date stating he added the letter to my file, but I also heard any further. That was in XX/XX/2014. Both WV US Senators were trying to fix this for me and the issue still has never been resolved. Navient will not allow me to lower my payment or extend the length of term for when the payments are due. Is there any way that you could look at my case and assist me? I would be more than happy to fax you everything I have. Thank you for your consideration. XXXX, previously XXXX.
I used my Capital One card to secure a car rental. I rented the car for a few weeks. At the end of every week I was charged a rental fee for extending the contract. However when the rental car was returned the rental car company XXXX charged me for the full amount of the month rental although I was making weekly payments. I provided Captial One with the signed agreements they returned the fees and then recharged me thus my card that has a {$1000.00} limit currently has a balance of {$2100.00}. This has ruined my credit score. I have never been over the limit and or not paid my bill. Capital One refuses to adjust my account. I am not clear why the XXXX they would even allow a charge that is more sufficient than the limit to be authorized. I want this matter clear and my account adjusted properly.
I last used my American Express Serve Card on XX/XX/XXXX when I received a refund from XXXX. I did not know that American Express Serve made my Social Security XXXX Deposit early because I just started receiving my SSI payments on the card in XX/XX/XXXX. Therefore, knowing I did not have a balance on my card I didn't check my account because I had no reason to until XX/XX/XXXX when I knew my SSI payment would have been deposited so I could pay my bills. I only get {$500.00} per month it isn't much to live on. When I went to check the balance my transaction summary showed that a government deposit was made on XX/XX/XXXX in the  amount of {$500.00}. There were numerous transactions made on the card for the week of XX/XX/XXXX that I did not make. I was shocked. Actually I cried because I freaked out. I called American Express Serve and spoke with their investigating fraud department and asked how is it possible for this to happen when I have the card and I did not give anyone permission to use it. The person I spoke with kept referring to my deposit as a tax refund deposit and I kept telling him no it is SSI deposit. He asked me how is it possible for charges to be made on my card if it was in my  possession? I told him I don't know that's what I would like to know! He stated that " the card was used in your area and their were withdrawals made from atm 's ''. I said, " okay '', so tell me how is that possible? How is that possible? I have used the card online. I have no idea how theives do what they do I don't know who works for this company or what. He told me they would investigate the claim. I asked him if I was the only one that had this complaint or were there other people having the same problem with their accounts? He said there were other people having the same problem. I asked how many alot or a little? He said a lot. I said any that live in my area? He said yes. Then he said it would take ten days for them to make their decision and the probability would be that my claim would be denied. I was like what? You lose my my SSI payment and your not going to pay me back? I asked if they are FDIC insured because I know that they are and he said he didn't know. Great! I was so upset I hung up. To date I have not received my new card and I have heard nothing back nor have I received my SSI money that was stolen off my account. I have no clue how it was done. I need my money to survive and I barely can do that. Please help me?
Capital One Auto used different debt collector to attempt to force Consumer to pay a debt that was already paid. Consumer had attorney with regard to subject debt. Cap One was notified that Consumer 1 ) paid debt and 2 ) had attorney. Cap One ignored those facts and sought collection any way. 
Consumer : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. See attached documents.