WillisBack/dataset-financial-user-claim huggingface dataset:
I was issued XXXX prepaid " Reward Cards '' from ELAN Financial Services / U.S. Bank for opening a couple of credit cards for clients while working for XXXX XXXX. 

I received XXXX cards in the mail in XXXX XXXX. Card XXXX was supposed to be pre-loaded with {$20.00}. Card XXXX was supposed to be pre-loaded with {$40.00}. I have never received this {$60.00} in full. 

When the cards arrived, neither of them had the correct balance that I was told they would have. The card with {$20.00} was reduced down to {$0.00} due to " inactivity fees '' before the card was ever received or activated because it had been allegedly funded back in XXXX of XXXX. The card with {$40.00} was reduced down to {$30.00} due to " monthly service fees '' before the card was ever received or activated because it had allegedly been funded back in XXXX of XXXX. 

The phone operators I called to request assistance were of no help trying to explain why the cards were assessed fees before they were received or activated, and informed me that the fee schedule ( 13 months of no activity ) begins when the card is funded, not when the card is received or activated. So if they send a card that 's already drained by fees, somehow this is my fault and I take the penalty for it. 

I activated the card with {$30.00} on it and attempted to make multiple purchases with the card. Despite activation, the card was declined at XXXX XXXX with a point of sale transaction, at a gas station, and with an online purchase on XXXX. When I contacted the company, they could give me no explanation for why the point of sale transactions were declined, but informed me that the online transaction was declined because activating the card was not enough -- I had to go online to a website and register the card as well. Despite multiple previous calls, no one bothered to explain this process to me at any point. 

Despite four attempts to use the card in XXXX, the card was still assessed a {$2.00} " monthly inactivity fee. '' When I call in to check a balance, the call drops due to an error in their system, and when you call in again, you get warned that they are going to assess a {$0.00} fee because you 're calling back a second time. When you call in to customer service to figure out why the card keeps on declining AFTER you activated it, not only do they not give you a straight answer until the THIRD call, but they assess you an a {$1.00} fee to give you incorrect information. 

These issues are beyond misleading and deceptive. The fee structure is ridiculously complex and hits you for everything you do to try to use the card, and the fact that they take money from you before you 've even received the cards is outright theft.
XX/XX/XXXX, I applied for a secured card from Wells Fargo, and was approved. The secured card fee is {$18.00} per year. I was told numerous times that as long as I paid on time, and had my account in good standing, that my account would be reviewed every six months ( XXXX and XXXX ), and that I would be eligible for my secured card to " graduate '' to an unsecured card within a year as long as I maintained positive history with the bank. 

It is now almost XX/XX/XXXX, and while my credit score has improved drastically, and I 've been given XXXX additional credit cards - XXXX from XXXX XXXX, another from Wells Fargo ( which is unsecured ), Wells Fargo refuses to graduate my card to unsecured status. Additionally, Wells Fargo has, several times, increased the limits on both the secured and unsecured card, yet, they will not graduate my card, instead keeping my deposit, and charging me a yearly fee to remain a cardmember. This is fraud on their end, as I would have never signed up for the card if I had no possibility of being graduated within a reasonable period of time. Each year I 've had to pay an {$18.00} fee - for the first year ( XX/XX/XXXX ) this was acceptable, but for subsequent years ( especially after Wells Fargo had deemed me creditworthy enough to issue a *completely new, unsecured card* ), I should not have been billed {$18.00} and my card should have graduated. I 've now spent {$72.00} in fees ( {$18.00} x XXXX ) on a card that, I was told when I applied, would be graduated within 6 month - 1 year as long as I remained in good standing and paid on time each month.
On XXXX XXXX, 2015 I closed on a mortgage loan from the Universal American Mortgage Co to purchase a new home. I advised the mortgage company representative that I would likely payoff the mortgage in the near future and inquired if there were any prepayment penalties or expenses. I was assured there were not any of these. When I closed on the sale of my former home on XXXX XXXX, 2015 I called the company and asked for payoff information to payoff the mortgage on XX/XX/2015.. I did not receive the requested information and after several calls submitted an email. I finally received a call advising of the following : 1. My loan had been sold to a loan servicing company to be effective XXXX XXXX, 2015. 2. I could not payoff the loan until I had submitted the XX/XX/XXXX payment to the original company. 3. On XXXX XXXX, 2015 I would then need to call the new company - The XXXX XXXX XXXX to arrange for payoff. 
This decision or possibility was never disclosed during the loan process and will require me to pay over an extra month of interest.
I am disputing a debt with Mobiloans via credit bureau disputes and am repeated called at work. 3 days ago, a man used abusive and obscene language with me and even laughed at me. The debt collector called me very aggressive saying they are taking me to court for a XXXX dollar debt.I said I understand I owe you guys I 'm currently going though a financial organization we can discuss a Payment plan in XX/XX/XXXX not right now. He was trying to intimidate me and laughed at me.I told him per my consumer rights per FTC please do not call me during my work hours send me everything via writing so I can communicate it with my financial representatives.And he started going ok with his intimidated psychology, I replied, I 'm busy so I will hang up if you wo n't stop.
I was notified via XXXX XXXX that I owe {$150.00} to XXXX XXXX XXXX for a utility company that is not mine in XX/XX/XXXX. My wife and I contacted XXXX XXXX XXXX and the rep requested I send the package as well as the police report, I attached to this email and was told they would review it for fraud. The collection was removed from my report shorty after so I assumed my file had been reviewed and found in my favor and removed from my credit report. 

When the collection was placed back on my credit report recently in XX/XX/XXXX We called XXXX & XXXX requesting an update. We were told by a rep by the name of XXXX that my file was never reviewed since the rep who it was originally assigned to has left the company. She then said she would review it now and call back at the end of the business day. When she did she said that XXXX XXXX XXXX would not investigate my file for fraud since I did not have a current utility bill. We reminded the rep, as we did in XXXX that I was living at my in laws home at the time and was unable to place utility bills in my name and when I moved to the other address ( Box XXXX XXXX, I was denied utility credit. We asked that they stop reporting this since XXXX & XXXX opened this account without my authorization, signature and no ID to confirm my identity. The rep refused and denied an investigation again. 

We explained to the rep XXXX that the suspect has opened other accounts and that there was another, possibly more victims. XXXX XXXX, who we am in close contact with is another victim to the same suspect, we requested they look into the information but was again denied. 

We called back a few days later and requested any information on this collection be sent to me via mail so that we can file another police report specific to this account and send a copy to the bureaus who are reporting this collection, we gave our current address and am waiting on the information now. 

The police report shows that the suspect in the case is the one who in fact resides in the area XXXX XXXX  XXXX services. We have also filed a report with Identity Theft.gov
I never lived at XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX.I also never at XXXX XXXX XXXX XXXX , XXXX. I went through bankruptcy because my neighbor XXXX XXXX stole XXXX of my credit cards wend I was in the hospital. he lived at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. He threaten me and forced me to file for bankruptcy. He filed for the bankruptcy and pay for it. Now its destroying my credit. Before that I had unbelievable fantastic credit.XXXX XXXX
Homeside Financial LLC called husband on XX/XX/XXXX concerning a re-fi.. they talked and I specifically heard my husband telling them he did n't want a Hard credit pull on credit reports. 
I did n't talk to them at all and yet awoke this morning to an XXXX alert of a new inquiry that I never consented to, info from report is as follows : XXXX Address : XXXX MD XXXX ( XXXX ) XXXX : Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX
Key Bank bought out first Niagara, where my car loan was held. Checked Key Bank account, no pending debits, so I paid my {$440.00} car payment on XXXX. They autodebited {$440.00} that same day. Called 2 days later on XXXX : horrible customer service, said they would call me back when someone who could reverse charge was available. Never called back. I called them on Monday XXXX. Staff person was knowledgeable, but said I might not see the amount come back until XXXX/XXXX/16. Seemed like a long time to wait, but fine. Today, XXXX/XXXX/16 -- no money credited to my account. Called Key Bank. Was put on hold for 35 minutes ( the recording warned of 3-6 minute waits ). Was told that because I do not have a Key Bank checking account they have to mail a check, which they will do on Monday. This is a long time to wait, and I did n't get the same answer out of any XXXX people. I 'm still not convinced I will receive a check next week. Nowhere on my account can I see that auto debit is set up, but the woman on the phone assured me it was.
I went to XXXX XXXX on XX/XX/XXXX to search for a HELOC. I was given leads for XXXX XXXX and for Freedom Mortgage. 

I went to the XXXX web site on XX/XX/XXXX and spent 15 minutes filling out their forms to be told they do n't do HELOCs. Annoying. 

On XX/XX/XXXX I received a call from Freedom Mortgage. I asked if they did HELOCs and they said yes. I specifically asked agent XXXX XXXX NMLS XXXX to confirm this before I gave him any information. He said yes. After wasting 15 minutes on the phone with him giving him information, he tried to talk to me about refinancing my existing mortgage, but said they do n't do HELOCs anymore. VERY MISLEADING AND UNETHICAL. 

And both lenders pinged my credit and I believe have taken it down a few points. 

I find both of these lenders to be mis-leading, especially Freedom Mortgage.
I contact TransUnion customer service would not help and take care of the negative inquiries reporting on my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX
I have an account with Capital one and in XXXX I paid off the balance of {$91.00} payment was due XX/XX/2018 and apparently it posted to account 1 day late XX/XX/2018. 
i was incurred a late fee XXXX plus interest which I did not realize and because there was a balance there was a payment due in XXXX plus a another late fee of XXXX.plus interest balance increased and there was a payment due in XXXX plus another XXXX plus interest. Additionally they also added a member fee of {$39.00} so now that total balance went up to {$120.00} I called to find out if this can all be clarified and taken care of after speaking to 3 different people I was told there is nothing that they can do to help me. 
I was also informed that they are on XXXX  time and they have a early cut off so even if you are paying the payment on day it's due if you pay after a certain time its considered late. I was not aware of this process and explained to Capital one rep that I did not know this. Despite this fact I am being forced to pay all these fees. 
on top of it they reported me to credit agencies.
Client Services , Inc. has aggressively continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
I sent a request for validation that MCM signed for on XXXX XXXX 2015. The USPS tracking number to prove this is XXXX XXXX XXXX XXXX XXXX. They never validated the debt within the time frame legally allowed.
I have already filed one complaint against Discover Student Loans, but this warrants another one. First I have tried to work with Discover Student Loans since XX/XX/2018. I had send multiple payments to them for the two student loans that we had with them and the money was not credited. It took until XX/XX/2018 to locate the money that had the wrong account number on. In XX/XX/XXXX they had been provided with documentation from my bank of proof of payment and yet, they were not able to locate it until I filed my first complaint here. They then located the money and place it on the only open account that we had with them that was being refinanced. Only part of the payments sent were for the one remaining open account, the other money that had been sent was for the already closed account. I had sent numerous emails, faxes and made way to many phone calls regarding this matter. I had specifically stated that the money be returned to me once recovered as the loans were paid off. In XX/XX/XXXX I received a letter of proof of payment and payoff of Loan XXXX. In XX/XX/XXXX I received a proof of payment and payoff letter for Loan XXXX. NFCU refinanced loan XXXX in XX/XX/XXXX with the payoff amount provided by Discover Student Loans. Today I received an email stating that I owe approximately XXXX on a loan that I have received a payoff notice for. They obviously have severe issues with their accounting department on how and when payments are made. I can't have documentation that states my balance is XXXX and have payoff letters saying Congratulations your loan is paid and then owe money. On top of all of this, they have posted incorrectly on my son and my credit report, which I have tried to get repaired as well. I have a 30,60 and 90 day late listed on my credit history, when in fact we have paid on time. I have sent supporting documentation from our statements and statements provided by Discover Student loans that we have paid on time. I have never received a 30, 60 or 90 day late notice from Discover Student Loans and have never received a late fee. I have contacted all three credit bureaus back in XX/XX/2018 due to this error, because it messed up us trying to get the final loan refinance. I have also submitted documentation to Discover to fix this error, but that hasn't been done either. I don't expect them to fix anything since they can't even maintain proper accounting for their loans. I want my son 's and my credit history fixed. I have no late credit on anything for the past 30 years, yet all of a sudden it's with XXXX who can't get their act together. Something should be done about the time it takes them to handle problems with their loans that they have created and how they report to the credit bureaus wrong information.
In 2015, I ordered workout items from XXXX Co. They offered to open a account. I accepted. XXXX later sold the account to XXXX. 
They sent a credit card from their bank. I refused the card and paid the account off to XXXX. The Bank continued to send statements and enrolled me in their VIP program for {$14.00} a month. I immediately called XXXX to cancel this card and program again. XXXX continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like XXXX XXXX was convicted of, to open new accounts. In the mean time since I refused to pay these VIP charges, they turned this account over to a collection agency : XXXX XXXX. They continue to hassall my family with no documentation, which I have requested from XXXX, since that is where this account originated. They refused to help since they sold the account to XXXX. In the mean time they have reported to have this placed on our credit report.
I have worked hard on removing inaccurate information from my credit report as well as updating my address, email address, and phone number to XXXX. I currently am XXXX and on a deferment plan. I just recently pulled my credit for my own review to find out that they are reporting that I have been late every month in XX/XX/XXXX. I'm beyond livid at this point as I mentioned before I've spent a lot of time and energy removing previous inaccuracies. My credit score was XXXX now I'm below 600 due to this. This loan was from XX/XX/XXXX and is under 1,000.00 due.
I made several attempts to let a Equifax, consumer reporting bureau know that there are items on my credit repot that is not mine but yet they continue to report these inaccurate items on my report i.e. addresses and accounts.
On  XXXX / XXXX /  XXXX   my bank charged me an NSF fee for charges that had not posted yet. The day before I had nothing pending or posted, woke up to NSF fee and when I called the rep stated there were pending items. Even if it had posted  ( which  it had not ) I was only {$1.00} short. 3 days later, an extended overdraft fee was added! Called to talk to rep, she did not help said she would get a supervisor. I waited so long I gave up and hung up.
When I began to transact business with Western Sky Financial on XXXX XXXX, XXXX, I received {$5000.00}. To date, I have repaid {$6300.00} : The original {$5000.00} plus {$1300.00} extra. With no official notice to me, Western Sky went out of business in XXXX XXXX yet, I unknowingly continued to pay towards the loan and follow all the rules handed to me by XXXX and Delbert Services who acted as debt collectors and continued to harass and collect thousands of dollars for Western Sky. After discussing the loan with my tax preparer and embarking on my own investigating, I decided to stop paying Western Sky, XXXX, and Delbert Services until I got answers. In XXXX of XXXX, I learned Western Sky hired the XXXX XXXX XXXX XXXX XXXX XXXX. Nothing Attorney XXXX XXXX submitted to the Attorney General Office of Illinois around XXXX XXXX, XXXX sounded reasonable to me. Further, no one from the XXXX XXXX XXXX XXXX XXXX XXXX ever contacted me DIRECTLY, made XXXX phone call, left XXXX voice message instructing me to contact that LAW OFFICE, or delivered XXXX piece of mail instructing me to do the same. If any of this had occurred, I would have in turn, contacted an attorney and given that information to the attorney so that the attorneys could discuss the issues, not me. I was only instructed to contact XXXX XXXX, Customer Service Manager at XXXX and " work out a mutually agreeable settlement in this matter ''. These instructions were typed within Attorney XXXX 's response to the Illinois Attorney General Office. To me, this sounded like yet another invitation to speak with another customer service representative and be further kicked around again. I chose not to engage. 
For an entire year following, no one called or wrote me until XXXX when a male representative from XXXX began calling and left a message for me to contact his office to set up payment arrangements. Shortly after, in XXXX and XXXX XXXX, I received debt collection letters from XXXX informing me I now owed balances of {$12000.00} in XXXX XXXX, and {$12000.00} in XXXX XXXX : XXXX balances being well over and above the original amount of {$5000.00} borrowed. After checking my credit reports with XXXX in XXXX of XXXX, I discovered that XXXX followed through on their threats to report negatively on my credit reports therefore further damaging my chances to receive honest credit from honest lenders. Surprisingly, nothing was ever negatively reported regarding either Western Sky, XXXX, or Delbert Services in XXXX, or XXXX. I believe the only thing I ever saw was either XXXX or Delbert Services listed as a creditor on my reports but neither ever reported any dollar amounts or payment histories.Western Sky was never listed and they were the ones I got the money from. I also believe when I XXXX began to complain back in XXXX of XXXX, the only thing I did see on my credit report was a " closed '' account. I thought since the account was " closed '', nothing else could or would be reported. I will verify what happened with the credit bureaus on a normal working day for accuracy because today is a national holiday. I will later be attaching the results from the bureaus.
Wells Fargo Bank Home Mortgage took my house illegally even during a bankruptcy to stop the sell. Rather than correcting the error they allowed it to be sold at auction. I have been reporting this error since XX/XX/2015. Each time I reported this to the bank I was told that it's in review. The review was done by employees of the bank and I don't trust them. I was never given a chance to show them that the fault was within the bank. 
I have document that show I was targeted by the bank, they been working to take my home even though I paid my mortgage on time each month. I was never in default until they refused to take my payments. 
Now to cover they wrong they report that it was a computer glitch. Even in the wrong I'm still hearing about this review. I don't believe this has anything to do with a computer glitch at all. This is another one of their cover up of their lies and deceit.
I was attempting to recieve a deposit to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX Florida XXXX the deposit was from XXXX XXXX  and the deposit was initiated on XX/XX/2018. The day that the deposit was received by the bank I was emailed asking for additional monies when the deposit was already at the bank location. The monies was withdrawn on the XX/XX/2018 by the member of customer service who came from XXXX VA after noticing the deposit amount after calling the customer service line about if the deposit arrived. In other word the monies were stolen after the bank have in to this bullying, and now these monies are being used against me, things like threats of terrorism, and threats of violence. XXXX XXXX XXXX XXXX made a donation to me because they understand my situation with my parents and I am pretty much without any help from anyone. As I notice that after the monies was stolen. Even Navy Federal Credit Union on XXXX noticed the amount of the deposit and gave in to the theif who is now emailing me asking me for {$1200.00} when the monies were already deposited. Included is a copy of the deposit transfer sheet and a copy of what the theif wrote me saying there was something wrong with the deposit. The monies were stolen in person by this by XXXX XXXX XXXX at the Navy Federal Credit Union location on XXXX XXXX, and XXXX XXXX, some of the monies are stashed in XXXX savings account of XXXX XXXX with all the evidence and identification of the person who stole it she just went along with it, the person who was sued by XXXX XXXX XXXX XXXX as we speak there is a leave XXXX in a XXXX  XXXX XXXX also stolen off XXXX headed down XXXX XXXX towards XXXX, the monies was in cash which they were aware. All evidence supported with a follow-up reference from witness at Navy Federal Credit Union in XXXX XXXX.