WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo Closed my credit card account, with out notifying me. I have a great credit score, I pay my bills on time and in full. They could not give me a response to why they closed my account other then that I am risk adverse, I have attached the paperwork plus the last credit card statement. They have told me that all my points are gone, even though I did not use them. I would like to get them back all $ XXXX, that I have earned. I am hoping you can help me on this.
OnXX/XX/XXXXI contacted Continental Finance ( XXXX XXXX XXXX ) about my bill. the call was recorded for quality assurance of course. I was told on that date that my bill was not due until XX/XX/XXXXbecause of my billing cycle. Well on XX/XX/ Continental Finance called and stated my payment was over due and I would be charged a late fee. This is a very shady practice of circumventing the payment agreements.
On XXXX there was a fraudulent online application submitted using my personal information with PayPal Credit. I did not request this line of credit. I was alerted by XXXX and responded that I did not initiate this request for credit. XXXX contacted PayPal and confirmed that an account had not been established. I have requested that PayPal remove this application. I am submitting this affidavit in lieu of filing a police report.
I had 7 student loans that were initially serviced by XXXX. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. XXXX has responded that they did indeed report the status as Transferred ... however Transunion still has not corrected the STATUS. They added a comment to the Remarks section but Transunion did not update the STATUS. 

Below are the XXXX account reported incorrectly. I've already filed a complaint with XXXX and they stated they reported the status as transferred and that the error is with Transunion. So Transunion needs to fix. 

Below are the XXXX accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My Transunion file number is XXXX
I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing comp any ( RountPoint Mortgage ) and they told  me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortga ge Billing Statement (  attached  )  dated  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the executed  Loan  modification agreeme nt RPM on   XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously incorrect . ( See attachment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to repo rt them as being on time. All payments were paid on-time to the lender   XXXX   XXXX   XXXX   XXXX   XXXX   and  Roundpoint whe n they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affec ted my credit score . Any assistance you can provide would be very much appreciated!
Took out a payday-loan not knowing that it would cost 790.76 % from XXXX XXXX dba Rosebud Lending. I was already in a financial bind to begin with and did not realize what i signed up for until I went back on the website to read terms and agreement on the loan. I borrowed a total of {$300.00} on the loan in XX/XX/2018. So far i have paid to payment of {$180.00} first payment was on XX/XX/18 and next payment was on XX/XX/18. So far i paid a total of {$360.00} as of today. I have paid back the loan I borrowed plus additional {$64.00}. I did not realize that majority of the payment would go towards the interest/finance charge of 790.76 %. This is absurd. I am a struggling mother of XXXX kids barely getting buy to pay our rent so that i can have a roof over my kids head. I can't afford and continue to pay {$180.00} for another 9 months which in the end of my loan would cost me a total of {$1600.00} on a {$300.00} loan.I am requesting that you consider my loan agreement to be paid in full since you have already taken {$360.00} of my money. If I continue to pay I will not have enough funds to cover my rent. I am struggling now and can't afford to be kicked out of the apartment i am renting with my children. I tried to call and emailed several times and got nowhere with your company. I was also advised by the local attorney general office that XXXX XXXX is not licensed to do business in my state.
This is the 3rd time that Convergent has sent a letter to my address, alleging an unpaid debt to XXXX. Again, there is no such debt.
I paid the balance of the credit card when it was due but it still charged me a late fee because the credit card company takes a couple of days to receive the money even though I paid on time.
the computer glitch caused my inquiries to be deleted.later transunion later added them back on my credit report without giving me a legal required written notice 5 days prior to them re adding.i contacted Transunion to have the inquires deleted
I made a car on XX/XX/XXXX which was early then ended up buying a new car on the XX/XX/XXXX. Was told to call GM to get that payment applied to my new car i called on XX/XX/XXXX to see what could be done was no problem but it would take a couple days to update. Then i called in my new payment on XX/XX/XXXX. So i asked if they could just apply that credit to XX/XX/XXXX payment was told no problem it had to update on there was a XXXX different s. Asked to pay that told wait for it to update. Now calling back again to make the XXXX payment was they were not going to give me the refund n to make the whole payment n why would i believe. What i was told
XX/XX/18 - company still shows payment due on online and automated phone system and has added a {$26.00} fee ( assuming late fee ) to my normal {$890.00} payment. The loan is PAID OFF! as of XX/XX/18. The system should reflect that there is NO PAYMENT due! I can not trust that your company will do the right thing and not report a 30 day late at the end of the month - even though my loan is paid off and there is nothing due. On XXXX.XXXX.18 in talking to XXXX # XXXX, I was informed that it could be 3 to 6 months for the system to update with no payment due! Are you kidding me? This is totally unacceptable! When a payment is made the amount due should immediately update - If credit card companies can figure out how to do this then surely Freedom Mortgage can figure it out! You are putting out incorrect information to your customers. I do not see how this can be acceptable to anyone! Seriously, this is a SIMPLE programming change.
JP Morgan Chase gave me the wrong payoff on my home. I was told by Chase that my payoff included my original loan amount as well as my loan modification I had done a few years prior. I even have a letter signed from an officer at Chase stating that my payoff included XXXX. I sold my house and made {$13000.00} only to find out that I owed {$15000.00} after closing, which is the amount for modification. I had to return money and give an additional {$2500.00}. I would have not sold my home if I knew this. I was misled in believing that when I sold my home I would actually make a little money to help with my debt because the payoff was supposed to include the loan and modification. I am a recently divorced single mother of a toddler and an infant. This ordeal has cost my children their home. I have no home now and no money thanks to Chase.
I was victim of fraudulent activity XXXX times this year thus far. Someone stole my information and my credit was impacted ( i.e., triggered several derogatory activities on my credit reports )
Hi : In XXXX 2017, my dog had a serious illness requiring immediate XXXX. The vet suggested that I finance the operation with Synchrony. I applied for the card and received credit and have been making payments. 

I asked about the terms both with the Vet and Synchrony but they did not emphasize or mention that if I did not pay off the balance in six months that that I would be back- charged interest for the six months which had been discounted. Silly me for not reading the fine print, not even sure I saw it before I was approved and paid the vet. When they did this, it caused my account to go over the credit limit causing a large decrease in my credit score about the same time I was trying to refinance my house. 

I asked them to raise the credit limit a little to solve the problem but they declined saying the reason was because I was over the credit limit. This is a classic Catch-22 and just nonsense. This was a scheme that is designed to mislead. I have fallen for these a couple of times in the past which is why I do n't generally sign up for merchant cards. I just missed it this time because of the circumstances.
Capital One seized my bank accounts, took all my money and said that I am not the head of household, I am the only one in the household and almost lost everything because of their seizure. This is from a credit card debt from more than 5 years ago ( beyond the statute of limitations in XXXX ) from when I was unemployed and alerted them of the unemployment status, but they still sent the file to an attorney and just took everything. Then, XXXX XXXX XXXXXXXX, where my accounts were, also froze my accounts for more than the amount of the judgement and continued to return checks and try to collect fees for funds that were there.
My name if XXXX XXXX. I am the Homeowner for XXXX, XXXX XXXX, XXXX, NY XXXX. I bought my house with a large down payment and entered into a note / mortgage with Wells Fargo in XXXX. For the first 5 years I was able to make my mortgage payments and never missed one. In XXXX, as a result of the reduction of income from my sources, coupled with a divorce, I was forced to miss a couple of payments and since that time struggled to get any assistance from my mortgage servicing company Wells Fargo. To be more specific, Wells Fargo placed me into a foreclosure and from XXXX to XXXX have proceeded with the legal action. They made several legal mistakes, admitted to it and dismissed the foreclosure action. In that time I have unsuccessfully attempted to engaged in several submission to seek to get my mortgage modified under HAMP, which they repeatedly told me I would be considered for. In XXXX, Wells Fargo started another and second foreclosure legal action. Wells Fargo made several legal mistakes and fraudulently submitted to the court that they complies with all of the required notices that I never received, Rule 1304 for New York State real estate process. I nonetheless appeared in my case and submitted several packages to Wells Fargo and their attorney XXXX  XXXX. Finally in XX/XX/XXXX, Wells Fargo was forces to accept a package to be reviewed and it was a part of the judge 's decision who stated that Wells Fargo must! review me for the options to keep my house. After several months of submitting additional documents, I received a denial in which wells fargo stated that they can not approve the modification due to the XXXX test results. Wells Fargo refused to provide detailed information why or how XXXX test had failed, and I with the help of the Treasury Department tool XXXX, was able to confirm that Wells Fargo decision WAS! a mistake. The judge ordered Wells Fargo to review it again and do interior appraisal for the modification. Wells Fargo was given access to the property and the results of the appraisal were announced in the court, but! Wells Fargo still failed to provide to me or to the court or to anyone the results of the appraisal and how the new results of the appraisal would affect the modification review. I have proven to Wells Fargo that I qualify based on their guidelines and based on my income. Wells Fargo have been acting in bad faith and have discriminated against me. Time and time again, Wells Fargo employees and third-party agents have engaged in the deceptive practices to prevent me from getting the help and deprive me of the legal rights to avoid the foreclosure and to save my home where I am raising my family. I see how deliberately Wells Fargo and their employees engage in the practice of unfair treatment of me. There are so many examples how in their communication they deceptively led their case to the catastrophic outcome of me being forced out of my house. I wrote and I send letters to Wells Fargo CEO XXXX XXXX XXXX, CEO, Wells Fargo and to help me with my mortgage for my mortgage XXXX  # XXXX ; XXXX XXXX, Property XXXX XXXX XXXX, XXXX, NY XXXX ; F
They have called at least 2x a day. I have sent them written notice not to contact me as I have an attorney and I am filing bankruptcy. Continue to call threaten they are reporting me so I can no longer write checks said I defaulted on the loan when all I asked was for them to stop ACH payments. Won't give a mailing address
They sent me a bill for excess miles on a lease. According to my agreement of the new lease with XXXX, they were supposed to not charge me for the excess miles. The leasing company was taking care of this. Unfortunately, XXXX never forgave the excess miles charge and I paid it, as I did n't want it on my credit report. Apparently, it went to my credit report anyways.
I have previous had an auto loan XXXX and a refinance with XXXX XXXX a few years later. I currently have several credit cards and finance accounts with XXXX XXXX all opened within the past few years. In XXXX XXXX, XXXX XXXX sent me an offer for select customers to apply for a credit card. I submitted the application, only to be denied due to " accounts with XXXX were not paid as agreed ''. All of my accounts with XXXX have been paid as agreed. I contacted them by phone and was told that my account with my mortgage company is reporting as such. I do not have a mortgage account with XXXX. They stated that Ocwen/Litton is ( a sister company ) and has provided information that my account is not paid as agreed. I pulled a copy of my credit report and found that Owen/Litton did not report my account as if it were not paid as agreed. I previous sent a complaint about the misleading ways that my mortgage was being reported by ocwen/litton. Now they are possibly providing misleading " inside '' reports concerning my credit standing.
Refer to closed complaint XXXX. 

Critical Resolution Mediation agreed to refund the customer the {$300.00} they collected, without requirement to admit any wrongdoing. Customer contacted our company to advise that he is yet to receive the {$300.00} and asked that we intervene once again. 

Consequently, we are opening a new complaint and not only do we expect that the {$300.00} owed to the customer is remitted, we are reinstating all late fees and service charges that were previously conditionally waived for Critical Resolution Mediation as well as all unbilled late fees and service charges that are owed. We have decided to cap these fees at {$300.00} for simplicity 's sake. 

Critical Resolution Mediation will immediately remit to XXXX XXXX to his address on file or to our office payable to him in the amount of {$300.00}. 

Critical Resolution Mediation will immediately remit to XXXX XXXX XXXX to our address a separate payment of {$300.00} for aforementioned fees. 

This time around, we won't be waiving any fees. We also will not wait very long before we open complaints with the Attorney General of your state, XXXX XXXX ' state, and our state against Critical Resolution Mediation. Additionally, an FTC complaint will be filed. We will also assist XXXX XXXX in filing an individual lawsuit against Critical Resolution Mediation. We will also form a lawsuit, and we will further be the Lead Plaintiff ( or designate XXXX XXXX to be ) for a CLASS ACTION LAWSUIT. 

This is the phase that only you see what we've typed. Any future actions will become public domain within the confines of the laws of all of our respective states as well as federal law. 

TOTAL TO BE REMITTED : {$600.00} XXXX XXXX ' PORTION : {$300.00} XXXX XXXX XXXX ' PORTION : {$300.00} ALL CAN BE REMITTED TO THE CORRECT PAYEE TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Preferably, {$300.00} should be mailed to XXXX XXXX directly. 

FOR COMPLIANCE CONFIRMATION, YOU ARE TO EMAIL US THE CHECK NUMBER, AMOUNT, AND DATE OF MAILING ( AND LOCATION MAILED TO ) FOR BOTH CHECKS. 

IF ALL AMOUNTS ... ALL ... AMOUNTS ... ARE NOT REMITTED AND RECEIVED BY XX/XX/XXXX, WE WILL ALL MOVE FORWARD WITH LEGAL ACTION AS OUTLINED ABOVE! 

Again, the {$300.00} in fees is not negotiable. You caused expenses to our company needlessly at the onset and throughout. We gave you the chance to resolve it responsibly. You are now subject to OUR terms. 

Be advised, we have already gathered numerous names and addresses of victims of Critical Resolution Mediation and have documented their experiences in preparation for anticipated actions to take place. We WILL see this through to completion if you do not do as agreed and instructed. We CAN get you shut down relatively quickly. I am not the guy to challenge, this is not the company to challenge, and XXXX XXXX shall not be victimized any longer or he too shall receive substantial compensation from you! 

There is nothing to discuss. Resolve and confirm. XX/XX/XXXX is FIRM. XX/XX/XXXX is action day.
XXXX I got sick since that year I stopped working my heath got worse befote that day XXXX have no money problems and my credit was really good XXXX I got XXXX and my health is not getting better but worse most of the people I owed money try to get their money and some of them sue me in court some of them started to call home nonstop they try any way to get their money because I am in desability my money is really limited XXXX of them is mcm XXXX this company is being calling nonstop and trying to get me to court today I received a letter from them they are they started another sue in court case # XXXX this letter is saying that I have to give them information about me they called fact information sheet they keep trying but true is only makes me more sick with this problem I can sleep my heath gets worse with this people calling me I never even heard about how much I owe them and if this amount of money is true or they are making it up how much I owe them and for how long I need help from this people they keep my harassed me any way they can calling my neighbor calling late at night or Sunday or early morning
I had send {$3300.00} .XXXX through money gram I want to get that money back.
My credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX  . address are bills from   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX  . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX
I was with XXXX for many years, never late, made automated payment every month for all services..XXXX phone company has wrongfully charged me, i have recorded conversation with an agent as a proof..XXXX has overly charged me {$66.00} after the account is closed and without reaching out to me they have sent my account to collection. I could have just paid off enen though it was wrongfully charged..I spoke to XXXX as well as many debt collecting companies for removing these charges but instead these companies keep selling my accounts to new comanpnies and my credits score has gone down from XXXX to XXXX. This is the only debt collection i have in my credit history and this is not fair to consumer ... It 's hurting my credit really bad.
This is a complaint against Equifax, Equifax Internal Department, this complaint I am making specific to a worker in this department that I respect I will not say her name, but I have such bad luck that this lady is the one who answers my phone and tells me some things that are outside the federal law of fair credit. I am a victim of identity theft and to the lady I tell her to dispute the accounts for fraud, which has been done many times, but she does not have the power or work in the senate or in the court where laws are made to tell me that she does not intend to dispute anything else, it is more she tells me those accounts are her own belongs to her because there are evidences that are mine, I want to say something, when one is robbed of the identity the person who does it does so perfect that everything indicates that it is your account, I know that that to you. It does not matter to you because it is not your problem but it is mine and very important, because you have no idea what I suffer from this situation, so I ask prudently, but you will not intimidate me by telling me that and I will not be forced just because you say that I have to accept these accounts that do not belong to me. If I have to dispute 100 times, I will, if I have to go with a claim to Equifax I will. 

Below are the accounts that I will dispute ; I will also upload the letters, the FTC report and my documents. 

1- XXXX XXXX # XXXX  2-XXXX XXXX # XXXX  3-XXXX XXXX # XXXX  4-XXXX XXXX XXXX # XXXX 5- XXXX XXXX XXXX # XXXX
I have a a unverified account from Torres Credit Services # XXXX. I had previously disputed this account. I have never done business with Torres Credit Services. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Torres Credit Services provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date XXXX XXXX XXXX the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Torres Credit Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.