WillisBack/dataset-financial-user-claim huggingface dataset:
My Mortgage Loan and Equity Line of Credit Loan were purchased in an acquisition by Chemical Bank based out of Michigan. For the last five months I have made my payments on time however they ca n't seem to post the proper information to my account. Notified each and every month since they have acquired XXXX and every month I receive a different story. They have posted my payments improperly and continue to charge interest never making an adjustment simply telling me they will get it corrected. This month for example my payment due date is the XXXX and due no later than the XXXX. I made my payment on the XXXX carried into the branch and today I receive my statement dated the XXXX that I am past due by one payment. Of course they continue to charge interest based on the statement of the XXXX. Today when I contact them I am told they are required to send out the notice and or statement 10 days after it is due however in prior months the statements are dated the XXXX of the month. Now all of a sudden if payment is not received 10 days after the due date they will consider it to be late. The terms continue to change. On my original loans my payment stub read due on the XXXX and if paid AFTER the XXXX a late fee would apply. They conveniently changed their coupon slips to read that if the payment was made ON the XXXX that a late fee would apply. No notifications sent to the consumer and defending this action by telling me that this was a mandated Federal requirement. I have made payments on my accounts and they posted it all to principal then send me a statement the following month telling me I am past due and that I owe additional interest. Every month is a different set of problems and a different set of terms. I have been paying on this account for going on the 12th year and have never been late and never had a problem, THAT IS until these folks acquired the loan. How many folks are they gouging for late fee 's that do not realize it. How many folks are they posting improperly to the account to generate additional interest and folks do not realize it. I am tired of the aggravation monthly and am tired of the EXCUSES!!!!!
I am filing a complaint against Wells Fargo Home Mortgage. When I was XXXX laid off in XX/XX/2013, I informed then of what was occurring. I applied for what I was told were loan modifications XXXX. At the time, I was making attempts to still maintain my mortgage and household with unemployment and substitute XXXX pay. Unfortunately, I was not able to do so and was not able to maintain the "loan modifications". I went through several loan preservation officers and even at XXXX point had to resend all my paperwork, as a result of the same person no longer being as Wells Fargo. I was not approved for another of what I thought was a loan modification and attempted to get assistance through a local foreclosure assistance agency in XXXX North Carolina. Upon not getting approved for that, I returned back to Wells Fargo for assistance and again, the representatives that I was working with changed while I was within the process. I then began working with XXXX I received no calls from Wells Fargo. I reached out to them at the end of XX/XX/XXXX of this year, when I received a letter stating that my house was being sold in auction on XX/XX/XXXX. That is when I reached out to them and shared that I was attempting to work with another agency. The representative that I spoke with initially shared with me that I would need to provide proof of funds to stop the foreclosure until I shared with her that I was working with an agency. I was not informed by the agency or Wells Fargo that I was to take the letter to my local Clerk of Court. The only information that I received from Wells Fargo was that I was to send them the letter and to follow up with them regarding what would happen next. I made attempts to follow up with them prior to the XX/XX/XXXX, yet they were closed and there was no one that could assist me. When I finally spoke to someone after the XX/XX/XXXX and asked to speak to a supervisor, the supervisor on call would not speak to me and in turn shared with the representative that I was speaking with, that I should had called back sooner and despite what the other representative had told me, that I still needed proof of funds because working with a foreclosure agency was not guaranteed approval and that had I followed up, I would had known that the letter was not approved and that the house was indeed sold at auction on the third. I attempted to make a complaint with them then, but instead they transferred me to someone in Senior Management to see if I could get a reversal of the foreclosure and attempt a loan modification. Despite those efforts, it was denied, as the representative XXXX shared that my account was researched and Wells Fargo was not at fault.
I am selling my property and my title company requested a payoff balance which was received. However, the payoff balance did not include all of the information that was requested. Due to a home modification in 2014, the title company needed to see the loan balance and the amount modified to ensure payoff included both. I have called Nationstar on several occassions to request such documentation and no one has been able to help. I close in XXXX hours and have yet to be able to get the information the title company needs.
In XXXX, I received an escrow analysis from my mortgage company, nationstar, which showed that my escrow had a shortage of nearly {$2000.00}, which means an additional {$250.00} will be added to my payments this year. It appears they have now attached hazard insurance to my mortgage, without my knowledge, something I 've never carried in the past. I have a separate homeowner 's policy with XXXX. They tell me I have to have this, without evidence or reason. I 've asked them to remove it, but they will not respond.
XX/XX/XXXX Amount of loan : {$600.00} Public officials fee : {$38.00}? 
CAB : {$150.00} per month Annual rate : 332.92 % ( representing 5 payments ) Dollar amount of our cost : {$980.00} Amount of total payments after all payments are made {$1600.00} Had somewhat a hard time getting them to offer us a settlement to pay it off after 3 years. 

Payment made to them was {$700.00} on XX/XX/XXXX. 

Title to vehicle is to be released within 7 to 10 days
I have always paid my bill online every month with a bank and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Inaccurate information is on my credit report with Equifax , XXXX, and XXXX. XXXX XXXX states I owe them {$1300.00} for non-paid rent at XXXX XXXX. I have no knowledge of this and have never lived at XXXX XXXX. I am applying for a XXXX job and need this to be removed. XXXX says they verified this information as correct and that 's impossible since I 've never lived at XXXX XXXX. How did they investigate this, something is very fishy and I just need this removed from my Credit Report immediately or I will be forced to take them to Court.
I have tried calling back to the number that was given, and I asked what company they represent and they just hang up the phone. The phone number was XXXX
XX/XX/XXXX I bought a house through XXXX XXXX company. I lived in the house until I sold it on XX/XX/XXXX for the full amount of the mortgage owed. I did not profit from the sale of the house nor did I owe anything on the house after it was sold. I made my mortgage payments on time so there was nothing delinquent as far as the payments were concerned. Recently while attempting to clean up my credit, I noticed that the NOW closed company of XXXX XXXX was bought out by XXXX XXXX  and it appears on my Transunion account even though the XXXX account appears on all of my credit reports. 
I have faxed a letter plus a copy of all my credit reports to XXXX on XX/XX/XXXX and XX/XX/XXXX. I spent over an hour and a half on XX/XX/XXXX on the phone with " research representative - # XXXX '' and he was not able to give me an answer as to why, even though the account was closed and in good standing their company appears on my credit report. 
I am attempting to work on and clean up my credit report and I feel as though since it has been over 10 years since this was first reported, that I would like the accounts removed ( XXXX and XXXX ).
I received a 30 days late on my credir report I wrote to XXXX bank / belks because i thought i sent in my payment the company sent me recepts of my payment the last payment was XX/XX/2018. I sent in another payment in XX/XX/XXXX and it went toward the XX/XX/XXXX payment. on my credit report it shows the account closed but there is another account still open on the credit report this account have not closed.
I rented my basement to a gentleman and without my permission or knowledge he intercepted my mail, got my personal information and fraudulently used my name to open an account. I called them and they refused to listen to me, instead demanded a form of payment. I am a sing le mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs t o be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.
Simons Agency Inc reports on my credit report that I have two accounts one for {$130.00} and another for {$200.00}. Both accounts opened on XX/XX/2018. Nevertheless, I've never received any correspondence form the agency. 

I have not received any service from XXXX XXXX XXXX anytime on the date open or anytime during the year of XX/XX/2018.
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and correct accounts in my credit reports that are reporting incorrectly.
The week of XXXX XXXX I sent verification/validation to XXXX XXXX, and XXXX for the collection agency AFNI. I received a letter from XXXX around XXXX XXXX staying the debt was validated but I did n't recieve any contract or documents showing the debt was mines. I never received anything from XXXX or XXXX  but it 's showing Meets FCRA Requirements.
I have sent to certified letters over the last 60 days stating to Experian that they are reporting a BK Dismissal on my credit report that is n't mine, I received a letter from them stating they verified that information. I called the XXXX XXXX Court where is false filing took place, the BK Clerk told me that they do n't verify and information to any party or company. I need verification on how they came up with this verified information that does not belong to me. This has hurt my credibility not to mention I just got turned down for credit. I will file a law suit against Experian for damages to my credit and slander. How can a copy report false information and say they verified it was me. Please show me my signature and whom they spoke with at the XXXX Courts. I want a name so I can file a law suit against them as well. If I have to I will call the local news agency to get this on the news.
Hi, I am unable to receive my credit report online, and this is preventing me from applying to credit cards or viewing reports online. I received the credit report in the mail, with report # XXXX, but even trying to access this report online results in errors. I am unable to upload my verification information online. I have sent via XXXX the same information to Experian, but have received no response. 
When I try to access the report online at the following url ( XXXX, which re-directs to XXXX ), I am still unable to access my online report either through the top option-Access By Report Number, or the bottom option-Access by Personal Information. I am still unable to access my credit report online. I am more than happy to provide the information ( attached to the cfpb dispute ), or via experian.com/upload, but I receive the same error on all sites ( attached as a new attachment ).
Synchrony bank/ Walmart has been reporting with XXXX , XXXX and XXXX that I have XXXX accounts with them which is affecting my credit report and credit score. They are reporting that I had XXXX Walmart accounts. 

XX/XX/2016 amount XXXX XX/XX/2016 amount XXXX The account with the amount of XXXX is not mine and needs to be removed
On  XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that a 7 yr clock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.
Weinstein & KarXXXX are debt collectors repeatedly call my two cell phones looking for an individual named XXXX XXXX. Somehow this guy obtained my cell phone numbers and used my name and phone numbers as reference. My wife and I have repeatedly told representatives of Weinstein and Karp we have no affiliation with this individual but they continue to harass us looking for this individual. Not less than six times they have called us and each time we tell them we have no idea who this guy is, but to no avail. Today was the latest incident. I requested they remove my numbers ( again ) but they said they had no information they previously called us. They blame every call on a " new system ''. After being hung up for requesting to speak to a manager they then refused to answer my calls. They have also repeatedly texted us in the past.This has to stop.
I used my Capital One XXXX card to guarantee 2 hotel rooms for XXXX XXXX XXXX XXXX on XXXX   for the nights of XX/XX/XXXX & XX/XX/2018. The price for these rooms was XXXX euros.

However, my friend, who was in the room with the king sized bed, was to make payment for both rooms for both nights. In fact, I was standing at the desk when he told the clerk to use his card to make the payment for both rooms. He has since checked his credit card statement and he was charged for the two rooms for both nights. I sent proof of this to Capital One 's transaction dispute department in the form of the statement from my friend 's credit card. He was charged a total of XXXX   euros because he had an additional XXXX euros worth of bar charges and for items from the mini fridge in his room.

I contacted Capital One on XX/XX/XXXX to let them know about this. Since my first contact with them I have been required to send proof FOUR TIMES that the rooms were already paid by my friend. Initially they credited my account for both nights advising me to keep all records on hand for 90 days until the hotel had a chance to respond.

I received notification from Capital One on XXXX XXXX stating that the hotel had sent proof verifying that the charges were correct. Mind you, this is outside of the 90 day window for the hotel to respond. The " proof '' they sent was a copy of my credit card receipt signed with my friend 's name. However ; it is not my signature nor that of my friend as he had already paid for the rooms with his XXXX XXXX. I sent Capital One copies of my signature and his to show that it was not either of our signatures on the receipt. Not to mention they received copies of his credit card statement four times prior showing that the rooms were paid.

If the charges were correct, then why is Capital One only making me pay for one of the nights for one of the rooms and not for all of the rooms for all of the nights? Why did they give me a statement credit for one night for one room, but are insisting I owe for the other room? I also asked for assistance in what to do about someone fraudulently signing my card and the case manager simply stated that the matter is closed as far as she is concerned.

I will close my account with Capital One and advise others not to use them. Why would I want any of their credit cards if they don't have my back when a merchant is attempting to steal from me?

What's in your wallet? I hope it's not Capital One.
University Accounting Service, LLC ( " UAS '' XXXX XXXX https : //www.uaservice.com/ ) is a student loan servicer. They service my XXXX Loans from the University XXXX XXXX XXXX. 

UAS brings up the same screen every time I log into my online account. The screen gives a statement in legal jargon. Then there are two choices : " I agree with this statement '' or " I do not agree with this statement. " The default is " I agree with this statement. " The statement effectively amounts to a waiver of an important consumer protection right -- the right to have correspondence with debt collectors in writing. 

There are two problems. First, the method of asking this question in itself is an abusive act and practice under the meaning of XXXX XXXX XXXX. Second, the fact that UAS asks me the same question every time I log in is a harassing tactic. 

This is an abusive act or practice under XXXX XXXX XXXX in the sense that it takes unreasonable advantage of consumer misunderstanding. The statement is provided in a way to trick consumers into agreeing to the waiver. It utilizes consumer inertia by making the default that they agree. It also utilizes consumer misunderstanding, because most people are used to mindlessly clicking I agree for online legalese and fine print such as for the changes in XXXX terms and conditions that occur every other week. By repeatedly asking the question and making consumers answer more than once, the strategy clearly intends to prey on inattentive consumers who accidentally make a mistake once. 

This is also a tactic designed to harass me into accepting a waiver of my consumer protection rights related to debt collection. Once I answer that I do not agree with the statement, UAS should never ask me again. Not only do they continue to ask me, but they also give me no option to tell them to stop asking me.
XXXX XXXX calling on behalf of Williams & Fudge , Inc. is calling my employer twice daily. He is belligerent and harassing the office manager. This has been going on for about a week now with no sign of stopping.
Using a Macy 's credit card issued by XXXX XXXX, I purchased on XXXX XXXX, 2016 men 's socks for a total of {$21.00}. A statement for that amount was mailed to me, which I should have paid on XXXX XXXX, 2016. Since I was overseas until XXXX XXXX, 2016, I failed to make that payment, as well as the payment for {$43.00} which a subsequent statement required I make by XXXX XXXX, 2016. I paid {$21.00} on XXXX XXXX, 2016 after seeing the initial statement in that amount, and a further {$61.00} on XXXX XXXX, 2016, after seeing the second statement. I immediately asked Macy's/XXXX to close my credit card amount. Nonetheless, I received yesterday upon my return from another trip, yet another statement which required me to pay a fee of {$1.00} by XXXX XXXX, 2016. Upon calling Macy's/XXXX on XXXX XXXX, 2016, they said they would waive the balance on the closed account ( {$2.00}, for another fee of {$1.00} had been already added ), but when I requested that they send me a statement showing a XXXX balance on the account they said they would not do it unless I paid them to issue it. I believe that for my own and others ' protection I had to bring this predatory behavior to your attention.
Took out a personal unsecured small loan to taske are of some medicine that my husband, whom I 'm so very proud of, obtain his pain medications for the month when his XXXX would fill up. Dealt with this. Company before and i should have know better but I went ahead with it bc i did n't know how I was gon na make it for ghe the month anyhow?? So I went back to a loan company that I said I would never deal with again but at that particular time I did n't have a choice. After realizing I had signed that permission paper again I called and made sure that I knew what to do when I needed to stop it any future debits. The loan place hit my bank account on the XXXX of the following month on the XXXX with the due date on XX/XX/XXXX!! So I called the store manager on XX/XX/XXXX and she was really nice over the phone. So I stopped by there to find out what happened and she explained that she had been on vacation that week it happened and she was even kind enough to show me on the form I had signed that I had the right to revoke that authorization by just telling them or writing them. So I XXXX her right there that I no longer have the permission to access my bank account and she said ok and she said she would make sure it would n't happen again. She said she had never taken vacation on the XXXX bc people usually messed something up. So the next month comes due so I get some cash out to pay it due to the fact that they do not accept personal checks, and other forms of payment. So on XX/XX/2016 they hit my account again that ended up costing me an additional XXXX NSF charges that was {$76.00}!! I called the home office and asked to speak with someon n management and a very nice lady named XXXX helped me by taking down my info and my complaints and assured me that her boss would receive an email explaining what happened. On XX/XX/2016 I personally went to my bank and asked for their help and they suggested I rip that debit card up and order a new one. 
Did they breach the contract by continuing to take unauthorized debits?