WillisBack/dataset-financial-user-claim huggingface dataset:
I have been systematically overcharged interest by Discover Card for the past two years and I would like the overcharged amounts refunded. I had a series of 0 % balance transfers that processed last year, and I have been consistently making payments of {$100.00} each month. However my payments, instead of being applied to earlier purchases, were being applied to the later balance transfers, so my purchase balances were n't being reduced even though I was making payments well over the minimum. Then, as each promotional period expired, my monthly payments were suddenly being applied to the later balance transfers ( with unexpired 0 % promotional periods ), rather than the earlier ones, which were now accruing interest. 

It has always been my understanding that with credit cards in general, and under the account I hold with Discover card, payments are to be applied to earlier transactions before later ones, to higher-APR balances before lower ones, and to purchases before balance transfers. According to their own interactive guide on the Cardmember Agreement : " Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. '' Yet it appears that my payments have been consistently applied to 0 % balances instead of higher-rate balances, to later transactions ( with 0 % interest ) rather than earlier ones, and to balance transfers before interest-earning purchase balances. This appears to be contrary to the cardmember agreement, as well as fraudulent or at best dishonest. 

One way that they did this as you can see from the statements is that whenever a promotional period expired, the remaining promotional balance was added to the account as a new transaction, even though it was n't a new transaction. But even apart from that, my payments - which were always over and above the minimum and never late or in default - were consistently and entirely applied towards reducing only 0 % promotional balances, and not to EARLIER purchase transactions, and EARLIER balance transfers ( which were accruing interest. 

I have been charged a total of {$220.00} interest in XX/XX/XXXX and XX/XX/XXXX. I believe most of this was wrongly charged.
I, XXXX XXXX hereby files a complaint against a mortgage servicer known as AmeriHome Mortgage. As a mother of a XXXX XXXX XXXX, I recently had to make some changes in my life to attend to his needs, which incorporated taking a new position with a XXXX XXXX XXXX. So, during this time frame, I fell back on some mortgage payments. I can now afford to make mortgage payments, and the servicer representative were trying to force me into making double mortgage payments every month, which is simply not reasonable. I have no problem with the great interest rate on my mortgage, which is at 3.75 %. My normal payment is approximately {$2500.00} monthly. AmeriHome demanded a payment of close to {$5000.00} monthly, and that is abusive and not applicable to my overall financial situation. 

A mortgage collection is considered by recent federal cases before the U. S. Supreme Court as a debt collection, and therefore come under the jurisdiction of the Fair Debt Collection Practices Act ( FDCPA ). The amended FDCPA of XXXX XXXX, 2010 has directed that while a mortgage is in a modification process, that all foreclosure actions cease. 

Even though I have arrears in my mortgage, I will now make payments of {$3000.00} to {$3500.00} monthly, and I request a modification package to be emailed directly to me or sent to the law firm I have on this matter. The first thing I want accomplished with this complaint of abusive collection practices is a cease and desist of calls from the collection division of AmeriHome Mortgage, and a case worker assigned to me on a modification process. I will submit all paperwork to complete the modification process as quickly as possible. I am requesting that all arrears be place on the back end of my mortgage with a monthly reason able payment plan that will bring the account to a positive position in the shortest time frame. The matter must be resolved in a modification process. 

My home also has substantial equity and there is a good chance that PMI can be removed from my mortgage. This will make my home mortgage even more affordable. Accordingly, I request this to be part of my modification process.
Ive been debted over {$500.00} dollars for an medical bill in XXXX, where I never lived! Theres no records of me living there either this is identity theft in its purest form!
Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Midwest Recovery Systems is reporting 2 unlicensed payday loans on my credit report from years ago that are illegal in my State Of Alabama. XXXX XXXX XXXX is listed with a balance of {$370.00} owed and XXXX XXXX also for the amount of {$370.00} is listed on XXXX  and XXXX XXXX. The principal on both of these loans were paid and both companies owed me a refund. I contacted both companies and let them know they were not licensed in my state and the overpayments I made needed to be refunded. My next step is too get an attorney and sue them to remove this off my credit report as they are breaking the law by putting them on my report as they are a junk debt collection company with hundreds of complaints against them.
I overpaid my Macy 's XXXX bill XX/XX/2016 by {$1800.00} due to the fact that we changed our minds on the type of furniture we were purchasing. Macy 's acknowledges the overpayment and confirmed my credit balance. I have made several requests since XX/XX/XXXX to have a check generated for this credit balance. Several, several calls have been made with Macy 's making excuse after excuse as to why I have not received it.
Transunion currently shows no credit history for me and my credit score is XXXX. I was unable to address the situation on line because they could not find my account. I was required to submit everything by paper and to date I have not received a response.
I would like to have a signature page to verify this alleged account. 
I would like to know why the debt is a said amount and why the collection company has conflicting information regarding when the account was opened, when it became delinquent, and when they bought the debt and why if it is an old account is it still being reported on my credit file.
I ordered 2 truck doors from an online seller. The online seller said he only accepts XXXX and told me I must use the friends and family method thru XXXX. I did not know any better since I never purchased anything thru XXXX in this manner. The seller turned out to be a scammer, because if I used the regular XXXX  method he would be required to reimburse me the funds I paid him if I complained. Since he scammed me using this XXXX method, I filed a dispute with Sears credit card since this is the credit card attached to my XXXX account. These truck doors are very heavy and cost me almost {$200.00} to have shipped. The doors I ordered were not as described, they were in horrible shape and had rust holes everywhere. He took the pictures as to not show any of the defects and his online add said they were 99 % rust free and he even told me on the phone that these doors were in excellent condition. 
Sears said I had to return the doors to get a refund, I tried to explain to SEARS that this wasn't some small package that cost {$5.00} to return, that it was a very large item that would have to go truck freight and would cost about {$200.00} to ship. I've already paid {$200.00} to get them shipped to me. Since the online seller deliberately scammed me by selling me something that wasn't as described, the seller should pay for the shipping. I told SEARS they should be defending me, since I am their customer and have been an upstanding customer for many years. Instead, SEARS took the side of the scammer and insisted I pay for the shipping. I argued this point with SEARS over and over but they insisted I return the doors. When I contacted the seller/ Scammer and said I was going to return the doors, he said he was going to refuse the shipment and said he told me they were sold as-is. When SEARS called him, he told SEARS he would accept them back, but tells me he will refuse the shipment because I gave him a bad review. You see he knows how to work the system. I paid {$660.00} for the doors plus almost {$200.00} for shipping. why would I ship them back to satisfy SEARS knowing he won't accept them and then Id have to pay for shipping back to me again. If I did that, I'd be out for almost {$600.00} in freight charges plus the {$660.00} I paid for the doors. I am stuck, please help, SEARS is being unreasonable.
XXXX XXXX / XXXX XXXX sent information to Stark Agency that I owed them {$2900.00}. Stark Agency then put this amount as a delinquent/in collections amount on my credit report, having their lawyer XXXX XXXX send me a letter requesting this amount. After speaking with XXXX at Stark agency, he let me know they said I owed 5 months rent ( XXXX - XXXX of 2017 ) as well as a {$200.00} stay over fee for moving out late. None of this is true. I paid all months rent and notified XXXX XXXX of this. I think it is outrageous that a company can make such a claim without any proof and without notifying me of this, then another company can simply place it on my credit report! I would like this looked into because after reviewing this company on the internet, it seems they do this frequently to people with no regard for honesty, communication, integrity, or the law ( as it seems like flat out fraud )!
SpeedyCash has attempted to extort me since XX/XX/2017 in XXXX Texas. Their tactics began when I began to work for XXXX and XXXX XXXX XXXX XXXX. Their tactics were aggressive and misleading. In order to continue their perpetuation of disrespect, they used countless area codes originating in places across the globe. They called from XXXX, XXXX, etc, in attempts to collect debts that, based on our written agreements, were paid off. 

I paid them what I owed, plus interest, however, once I moved into XXXX XXXX at XXXX XXXX XXXX, # XXXX, XXXX, TX XXXX, they continue to call and beg for me to pay off what was already paid. I was a government employee, earner, and they knew I paid them enough. However, they have threatened to sue me over old funds and garnish my wages, even though, I have none due to their negligent and fraudulent acts.
On XXXX XXXX, 2017, I had been approved by XXXX XXXX to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my credit score and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my credit score in good faith.
On XXXX/XXXX/15, I attempted to place an order through XXXX and my credit card was declined. I contacted Citi and was informed that " Charges have been identified that may be unauthorized. Please contact our Customer Service Department at XXXX XXXX XXXX : XXXX ) immediately to verify these transactions. '' I spoke with customer service and the issue was cleared up. I again attempted to place an order through XXXX and again my credit card was declined. I again contacted Citi and was told that further verification of my identity was needed and they needed to speak to any other member of my family with my same last name to verify I am who I say I am, otherwise, my credit card would remain blocked! Why do I have to get any other member of my family with my same last name to verify I am who I say I am, when I previously gave them my name, address, social security number, transactions and payments I made to the account, etc? How would Citi verify that this other member of my family, is in fact a member of my family : by asking for their personal information???? This sounds like a scam to me!
My company is apart of my bankruptcy case that was served with official notification from the federal district court as of 2012. As of today this account is being reported to the credit bureau as negative.
I have disputed the late payments on account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX with the credit bureau for several attempts, to no avail.. They failed to give me verification as to why they will not remove the account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Auto loan was different from the price agreed upon. 
Lost track of many payments, reported to credit bureau of " late payments '' and involuntary repo although I surrendered my car to them and have n't missed a payment.
OCWEN has been making repeated robo-calls to our home. Caller ID shows " Toll XXXX XXXX '' -- no mention of OCWEN. When someone picks up the line a recorded voice says to " stay on the line '' and some seconds later an operator comes on and asks for me or my husband. When I ask who it is they say " OCWEN a debt collection agency ''. Then they ask for my social security number! 
We are NOT behind on payments, and never have been. We refinanced our mortgage through XXXX in 2013 XXXX then through GMAC to get a lower interest rate. Apparently they sold the loan to OCWEN?. Now they are saying they need to " update their records '' via an unsolicited, unidentified phone call " for the trust ''????
I, XXXX XXXX XXXX, was forced out of my home XXXX, by which US Bank, XXXX XXXX and its affiliates committed fraud, constructive fraud, civil theft, and breach of contract ; along with intentional infliction of emotional distress in order to provide them with leverage to be able to successfully foreclose on my home. 
Only as a result of my official complaint ( XXXX ) through the CFPB against U.S. Bank was I able to get ANY form of a response from their organization. As of XX/XX/XXXX, the Law Office of XXXX XXXX XXXX has instructed me to request U.S. Bank to provide me with the following additional documentation below:1 ) Life of the loan transaction history. 
2 XXXX Letter XXXX XXXX ) stating when payments changed. 
3 XXXX Court summons of eviction notice served by U.S. Bank on XXXX XXXX XXXX during the month of XX/XX/XXXX. 
4 XXXX U.S. Bank 's refinance/modification guidelines that stipulates how an applicant must be behind on their mortgage in order to be eligible for a loan modification. 
5 XXXX All decline letters for both refinancing and loan modification issued by U.S. Bank prior to XXXX XXXX XXXX every became delinquent with his loan payments.
I had many occassions when I asked for relief on my loans and was offered forbearance instead of deferment which caused my student loan debt to go over 200,000.00 which caused me tremendous XXXX XXXX  and financial problems before I was able to finally have these loans forgiven due to XXXX. This occurred approximately between XXXX-XXXX. I was also offered a extremely huge payment for an income repayment plan that I was told was all I qualified for. This process of being offered options that were not affordable for many years was vey stressful, discouraging, and hurtful financially. We had to file bankruptcy many times over these years due to student loan debt.
, XXXX XXXX give authorization to helpwithmybank to disputed on my behalf with XXXX XXXX   for unauthorised wire transfer on my bank account, wire transfer department tried to convinced me that I made this transaction unfortunately I denied that.After all my investigation I suspect XXXX XXXX XXXX maybe involved in that incident, his phone number is XXXX XXXX XXXX email XXXX so I demand all my refund of 1 transaction online has to returned to my account ending XXXX
I contacted Experian and advised them that I had identity theft. I filed a police report and Experian is stating they ca n't block it from my credit report because I did it online. I went to the XXXX police department and they said the police report is valid. I stayed on the phone with experian for XXXX hours and spoke with XXXX XXXX XXXX XXXX and XXXX. Everyone kept putting me on hold and never resolved the issue XXXX told me that he could n't block any of the fraudulent accounts because the report has been done online and the police said it 's not true. XXXX HUNG UP ON ME TWICE. I am a victim of Identity theft and this is depressing that experian wo n't help and they are reporting fraudulent information.
MY KEY REASON FOR ONLINE BANKING OPERATIONS IS TO AUDIT MY BANK ACCOUNTS FOR ACTIVITIES DAILY DEALINGS WITH BANK EMPLOYEES INTO MY BANK ACCOUNTS. 
XXXX MISSING FROM MY CHECKING ACCOUNT. THE FACTS AS OF XX/XX/2016. 
WITHDRAWALS {$400.00} dollars and SPENT {$20.00} FOR GROCERIES, LEAVING MY CHECKING ACCOUNT BALANCE AT {$120.00}, ADDITIONALLY, AS OF XX/XX/XXXX A CREDIT DEPOSIT CAME INTO CHECKING FOR {$220.00} BRINGING THE ACCOUNT TO {$340.00} THE BANK IS PROCESSING {$220.00} FROM CHECKING TO THE LINKED SAVINGS ACCOUNT WHICH SHOULD LEAVE ME A CHECKING BALANCE OF {$120.00}, BUT THE CHECKING ACCOUNT BALANCE IS ONLY AT {$18.00}, THE ACCOUNT IS MISSING {$110.00}, THIS ALWAYS HAPPEN WHEN BANK EMPLOYEES ARE MAKING TRANSACTIONS INTO MY BANK ACCOUNTS, THANK YOU.
I deposited a check into my checking account that I received for doing work from a company, my bank sent it back stating that it was Alter/Fict and did not honor the check 3 day 's later I called the Bank in which it came out of and the clarified that it was from the bank their was a bank account but they couldn't give me information on another persons account but that it was a business. I asked chase fraud department if they were going to go after the company and since they froze not only my account but both mine and also my two children 's accounts also can they help get the funds for the check they said it was my problem to go after them I would have to do that, finally after a week of talking to people I at least got my two kids money out of their accounts but they did take {$6.00} from my one son 's account that was his and close it. and they closed my daughters upon her taking her money out. they put a overdraft fee on my account along with the amount of the check of {$1900.00} and they added a fee for {$12.00} to it now I get calls for collection of the account to pay it and a closed savings account in which is all fees for either {$5.00} transfer fee or a {$5.00} service fee on it nothing of which I owe. I also have called multiple times to the cooperate office for help to the XXXX XXXX XXXX for help with the check and to chase fraud and have gotten no where so I am coming to you since this started when I deposited the check on XX/XX/XXXX and it is now XX/XX/XXXX and I am still out my pay for the work and I have a checking account stating I owe money at chase frozen closed.
I applied for credit with XXXX on XXXX XXXX, 2016 and was denied due to information obtained or supplied by Equifax. In the denial letter sent from XXXX, I was instructed to request my free credit report via online, or telephone. I first attempted to obtain via the internet. Equifax 's automated system repeatedly attempted to confuse or sell me additional information for a charge. Once I hit submit and did n't purchase any additional information, they instructed me to call. I attempted to call three separate times and all three times where denied access to my FREE CREDIT REPORT. I spent over 1 hour trying to go through a SIMPLE PROCESS of ordering my FREE CREDIT REPORT, and have failed to do so on 4 separate occasions. Ordering one 's FREE CREDIT REPORT, should be as easy as ordering an ice cream cone in my opinion ... but these XXXX credit reporting companies use tactics and processes that are confusing and frustrating to millions of consumers and the CFPB has an opportunity to make a difference. I am requesting my free credit report based on the fact that I was denied credit within 60 days. 
Can you please help? Also, besides ordering my free credit report, is there another agency that I can file a formal complaint regarding the processes and tactics used by this company? 

Thanks in advance for your help and support. Sincerely, XXXX XXXX
On XX/XX/XXXX a certified letters was sent to XXXX XXXX XXXX XXXX for accounts XXXX in the amount of {$570.00}. Attempts to acquire proper validation for this debt has not been met.
XX/XX/2018 : Purchased Goods from XXXX XXXX XXXX, {$390.00} ( XXXX XXXX  ). 
XX/XX/2018 : Returned Goods to XXXX XXXX XXXX via XXXX XXXX, tracking numbers collected/saved and can be shared upon request. 
XX/XX/2018 : Opened Dispute with Card Issuer ( Wells Fargo ) for the aforementioned transaction after my return has been processed/confirmed, but the refund has been denied. Dispute Opened for {$390.00} ( XXXX XXXX ). 
XX/XX/2018 : Verbally Notified by Card Issuer ( Wells Fargo ) that the aforementioned dispute has been closed due to an error on their end with the tracking information. Verbally Notified to open a second chargeback via XXXX since Wells Fargo could not fix their mistake. Contacted XXXX to open a second chargeback, provided tracking information. Claim Numbers collected/saved and can be shared upon request. 
XX/XX/2018 : Verbally/In-Writing Notified by XXXX, Wells Fargo has closed the claim in my favor, contact Wells Fargo for a timeline of when my funds will be back into my account. Called Wells Fargo, had no trail of this decision from their end and hung up on me. Continued Calling, same negative response, after contradicting information from the other party. 
XX/XX/2018 : Called Wells Fargo, again. Unable to explain what happened, unable to come up with a solution, unable to inform me with alternative solutions to this occurrence, hung up again. Called XXXX, unable to assist as their hands were tied and the final step of the claim ( my funds being released ) were up to them.
Experian blocked my credit information following a letter received from the FTC indicating my address where I live was fraudulent. This was not correct and now I want a copy of the letter. Was forced through escalations at Experian for over 1 hour yesterday to get the address added back by validating drivers license, bank statement and scathing letter demanding fix action.
I still have not heard anything back from your office, since contacting you XX/XX/2018 ' Hello, I filed a complaint with the FDIC, which in turn forwarded my issue to you ; XX/XX/2018 Ref. No. : XXXX. I transferred funds ( {$1700.00} ) for a vacation rental XX/XX/2018 from my Chase acct. to another Chase bank acct. On XX/XX/2018, I was informed it was a scam & contacted Chase fraud dept. by phone XXXX-18 ' as well as going to my bank, speaking with an officer & then back to speak with the manager. My funds would not clear to the following day XXXX-18 '. I informed them I was fraudulently duped & asked them to stop payment, none of the people at Chase heeded my warnings & allowed the money to be picked up by the recipient the following day, when the hold expired. The person who took my money does not reply to me now. Thank you, XXXX XXXX