WillisBack/dataset-financial-user-claim huggingface dataset:
I paid off a credit card with Chase. The closing bill date was XX/XX/XXXX and the total balance was {$780.00}. The due date was XX/XX/XXXX and I paid {$780.00} on XX/XX/XXXX. 

I believe is it reasonable for a consumer to think that if the balance shown on the bill statement was paid in full that this would bring the balance to XXXX. However, Chase tells me that they are entitled to additonal interest of {$11.00}. I asked Chase to reflect that the account is paid in full and they insist on extracting another {$11.00} from me. 

As a quick background : This is not an active credit card. The account was closed in XX/XX/XXXX by Chase. For nine years I have been trying to " XXXX out '' an account I no longer had use of. Due to the very high interest rate and Chase 's unwillingness to reduce so I could pay off the account they unilaterally terminated, it took nine years to finally get to the point where I could pay this off. After never missing a payment, which was virtually all interest, and amounted to many thousands of dollars not for goods or services, but merely interest to Chase, they have chosen to act predatorily until the very end. This is not a card I can ever use again. Once it is " XXXX out '', it will be a non-existent account with me having paid $ XXXX $ XXXX without having use of the account.
The original bill was XXXX dollars which was paid at the office once I received my treatment ... .it 's their policy prior to being treated is to pay prior to Service ... .however the company sent me a XXXX dollar Service Bill ... knowing I paid at the office, I disputed the Bill ... .and the company continued senting bill and started adding finance charges, whereas over XXXX dollars in finance charges were added
I have contacted Freedom Mortgage Corporation on XXXX separate occasions to remove my PMI insurance since we own more than XXXX % of our home. I have submitted a written request to Freedom Mortgage to remove it. They then requested an appraisal, which I also submitted. However, since I did not use one of their vendors for the appraisal they denied my request. They are now contacting me to try and barrow me more money because they have an " updated '' value of our home. All I want is my PMI removed. The customer service has been terrible. 

Purchase price of home was {$160000.00}, principal as of XX/XX/2016 was {$130000.00}. We are still getting charged PMI.
Disputing Charges with XXXX XXXX originally date XX/XX/XXXX To whom it may concern, It appears this not a typical product/purchase/merchandise dispute case. Even though Ive discussed this with multiple Cap1 representatives Ill go through it again. 
This is a case of Computer hacking and scamming. My computer on the XX/XX/XXXX was hacked and was provided information that if I dont follow these procedures to regain a properly working computer I was in trouble. With the hopes that it would not happen again I fell for this scam, costing initially XXXX for a 5 yr contract. 
I did fall for this scam and quickly spoke to some technology friends and colleagues and I realized my error. 
I immediately decided to cancel my previous credit card xxxx xxxx xxxx XXXX to avoid the charge and decided to not have any further communication with them. 
Capital One did provide requesting service of cancelling this purchase. At this point I think the issue is over. But on XX/XX/XXXX the charge of XXXX from my cancelled credit card surfaces again on my new card account. ( This I find very disturbing in ref the Cap1 policy of charges?? ) So I reviewed this case for a second time and with a Cap1 representative ( XXXX ) on the phone we contact XXXX and speak to XXXX who states that they are no longer charging me for this and case is closed. 
I do thank Capital One for their support and hope this letter provides you finally with enough information to put this dispute case to an end. 
Ive included a few other documents pertaining to my case that I hope will be helpful. 
Most recently besides filing a police report I receive calls from an outfit called XXXX XXXX  XXXX stating that XXXX is going out of business and would provide me a contract closure letter but only if I give them control of my computer again which I denied and was told they will not provide me with a document. 
After sharing all this with Cap1 they still state they require a second opinion on my case and at this point they can do nothing further about it do to time frame limitations. 
And at this point the charge continues to be on my credit card account. 
Please, Please help me put an end to this charge.
Hi my name is  XXXX   XXXX , I have a complaint to write about my banks with my home loan. My current ban k Wells Fargo Ba nk has received my full Request for Loan Modification packet that I sent in recentl y. Wells Fargo B ank admits they have received t he Request for Loan Modification  packet but they still have put my home for foreclosure sale which is scheduled for  XXXX  -2017. I do nt know why they are posting my home if they have a compl ete Request for Loan Modification  packet. How am I supposed to deal with this now they are saying its too close to the sale date to do anything.   I originally had my loan started with  XXXX   XXXX    XXXX   I used to pay all the time and on time around {$1100.00} per month for my mortgage until the recession hit and I was affected very badly by it. I lost a very big amount of income and could not pay the loan. After some time I got back on my feet and could actually pay. When this time come my loan mortgage was changed to Wachovia Bank. Wachovia Bank was asking me to pay a monthly amount of around {$1800.00}. This was much higher then what I could not pay in the beginning. After some time has passed I was notified that my loan was again changed  to Wells Fargo Bank. This Wells Fargo is now my current bank. Wells Fargo Bank is now asking me to pay {$2400.00} per month for my loan. How is this possible? I can   not afford this amount what can I do to get a payment amount that I used to have. Ive tried but had no luck. Ive sent  the Wells Fargo Bank all my documents a full RMA packet but t hey are saying I dont have enough time to be reviewed.
ON XX/XX/XXXX, MY CHECKING ACCOUNT WAS DEBITED XXXX BY A MERCHANT NAMED XXXX XXXX XXXX I 'VE NEVER DONE ANY BUSINESS WITH NOR DO I KNOW WHO THIS MERCHANT IS. I DISPUTED THE TRANSACTION WITH MY BANK AND THEY TEMPORARAILY CREDITED ME BACK THE XXXX ONLY TO TAKE THE MONEY BACK ON XX/XX/XXXX ALLEGING THAT THE MERCHANT PROVIDED THEM WITH DOCUMENTATION WHICH IS FALSE AND BOGUS. I 'M EXTREMELY UPSET BY THIS INCIDENT AND I WANT THE MATTER INVESTIGATED IMMEDIATELY.
Collection Company ( National Credit Systems ) reached out to me regarding an old apartment complex debt that they say I owe allegedly. When I requested a copy of the original lease agreement, I was sent a fraudulent document and signatures. The lease agreement that was presented to me has a signature date of XX/XX/XXXX but according to the Financial account statement that was presented along with the fraudulent lease shows that I moved in on XX/XX/XXXX and that I moved out XX/XX/XXXX with a lease expiring on XX/XX/XXXX. This company has clearly violated my rights as a consumer by not being able to validate the alleged debt and by secondly falsifying information.
Affidavit of Demand by XXXX XXXX XXXX XXXX OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.
3. Date : XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
I had paid off my loan and canceled my auto draft service prior to XXXX due date. Navient still pulled the auto draft after cancelation and pay off. Called to get money returned and was told they couldnt without my bank statement??? Wanted me to send them a copy of??? No thanks. Then was told that the manager is overriding to re-deposit into my bank account. Would be returned in 10 days. Logged on 15 days later and still no return but their website now says I am owed nothing. So I call to see what happened and now they said I would get a check in 30 buisnesd days!!!! How are they even allowed to take money when a loan balance is XXXX and the auto was canceled. Seems like they stole my money to me!
I was notified that my data was breached with experian and was offered a year of free credit monitoring to help me protect my personal information. In XXXX of XXXX, I was notified by Experian that I was being given another free year of monitoring due to the breach but that I needed to renew through an online sign up. I signed up online and was required to provide credit card information to complete the registration. I did not select any paid service but began seeing a {$19.00} charge on my next monthly credit card statement. I cancelled this service, which in and of itself was very challenging and beyond what I would say a reasonable person would expect to go through to cancel and received a cancellation email on XX/XX/XXXX. I continued seeing charges each and every month after that. I signed onto the Experian website today after seeing two charges for {$19.00}, one on XX/XX/XXXX and another on XX/XX/XXXX, both in year current. Again, I navigated my way through an impossibly vague process of cancelling my membership and received another confirmation email dated today, XX/XX/XXXX. I contacted Experian by phone to confirm it was cancelled but the number they provided said they will only take cancellation requests online. I chatted a representative to confirm my paid membership was cancelled and he/she said it was but not until XX/XX/XXXX. I asked the chat agent to refund me the 3x charges that were made to my account and he/she said they can not due to their policies. I asked why I was being charged in XXXX, XXXX, & XXXX when I have an email confirming I cancelled in XXXX of XXXX, the agent would not answer my question and just said they don't do refunds. I informed the agent that what they are doing is engaging in an unfair deceptive act or practice that makes cancelling unreasonably difficult if not impossible when paid membership fees just begin billing for no reason. I told them I would be reporting their unfair deceptive act or practice to the CFPB and asked that the agent also forward it to their internal complaint department.
We used a purchase money second in XXXX of {$150000.00} to avoid property mortgage insurance. Both predatory loans originated with XXXX, transferred to XXXX, and then XXXX went to XXXX and XXXX to Specialized Loan Servicing. XXXX modified our XXXX and said they were doing the XXXX. We received a welcome letter from XXXX bank and called XXXX to ask about our modification. XXXX told us to shred welcome letter and that it was a scam. Reassured us that XXXX was in for modification. XXXX said we needed to file a bankruptcy in order to initiate modification of our XXXX. We filed a Chapter XXXX in XXXX, called SLS in XXXX to resolve situation of modification with them. They wanted a lump sum buyout and would n't talk to us due to bankruptcy even though our attorneys sent in an authorization for them to speak directly with us and even though BAC did modification on our XXXX when we already filed bankruptcy. SLS capitalized the interest on the loan to where it 's approximately {$40000.00} above the original {$150000.00} borrowed loan amount. After our discharge on XXXX/XXXX/XXXX, XXXX offered a structured settlement to pay back approximately {$190000.00}, but they have n't put offer in writing. We 've requested a QWR and a forensic audit of the file from date of inception of loan, and XXXX has refused in writing to supply this documentation. Please see lengthy attached paperwork including letters to XXXX Office of the President, Office of Comptroller of the Currency, XXXX XXXX 's office to try and resolve our mortgage issues.
Loancare continues to report my information to the credit buro as Foreclosure proceedings started to XXXX into the month of XXXX. 

I sent a letter to the credit buro asking for recognition of foreclosure rescinded, including court print out and this has been ignored and Loancare has confirmed inaccurate information bringing yet further damages to my well being and financial situation.
Upon review of my recent credit report I noticed unauthorized activity. I immediately called TransUnion credit reporting agency ( Monday, XXXX XXXX, 2017 ) to be told that my file was being handled by the special fraud department, which by the way was done without my acknowledgement. I was told that it was because of a fraud alert, I never placed a fraud alert on my file. Already suspicious of the unauthorized hard inquiries, and to be told my file is being handled by the fraud department really had me on edge. I proceeded to inform the representative that I had no connection with XXXX XXXX whatsoever, and I in no way authorized them to pull my credit. The representative proceeded to tell me there was nothing he could do, they do not remove hard inquiries. He also refused to investigate the matter. Being in the " special fraud department '' I hoped that they 'd understand my frustrations and simply investigate the matter. I got absolutely nowhere. I hung up with one representative and called back multiple times speaking with multiple representatives begging and pleading for atleast an investigation, no one would listen. I asked what 's the purpose of my file being handled by the special fraud department when fraudulent activity is happening. He could n't answer my question. I said you are looking at the same information I am do you see any XXXX XXXX affiliation, he said no. The FCRA states that the only permissible purpose for pulling someone 's credit is for : 1 ) Firm offer of credit 2 ) Insurance 3 ) Employment 4 ) Court Order non of which applies to me. I requested for to be removed out of that department as it is in no way stopping anything, no changes as of yet. There is also a hard inquiry from TransUnion themselves they are staring is a soft inquiry when it clearly shows as a hard inquiry. I was told it took place when I requested my credit report. I could n't understand when I am entitled to a free credit report yearly and have never gotten a hard inquiry.
I have received a letter from a company named Central Credit Services LLC XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX telf XXXX The letter states that I have a pending debt of {$800.00} with XXXX XXXX XXXX XXXX, and this company has been hired by XXXX to collect this payment. As of now I do n't have any notification from XXXX regarding this debt. The car that they are talking about was fully paid by XXXX since it was part of a trade in, and my credit report is showing this car as a closed account. CENTRAL CREDIT SERVICES is urging me to send them the payment or to contact their office to set up a payment arrangement. I believe this should be a total scam, that 's why I 'm filing this complaint.
On XXXX/XXXX/16 I deposited XXXX $ XXXX funds into my Suntrust checking account XXXX. On XXXX/XXXX/16 the bank withdrew XXXX $ for the exchange rate and continued to hold the entire {$5000.00}, overdrawing my account by XXXX $ and insulting me with an overdraft fee, in addition to leaving me no liquid assets to live on. By contacting the chairman of the bank on XXXX/XXXX/16 the error was finally repaired. However, now the bank has debited my XXXX account the XXXX $ on XXXX/XXXX/16 and has not credited my XXXX account the XXXX XXXX The only information they offer is that the funds will be available on XXXX/XXXX/16, six weeks from the initial deposit, leaving me no funds in either account.
On XX/XX/XXXX, a loan of XXXX was taken out. As of XX/XX/XXXX, XXXX was paid towards the loan with XXXX, but with fees tacked on now, it's at XXXX to this date. In XXXX of XXXX I revoked the right for Speedy Cash to continue withdrawals as I fell on hard times where payments could not be made. I had 5 remaining payments of XXXX left. Several months later after failed negotiation attempts with Speedy Cash, the account was sold to XXXX XXXX XXXX and they have been reporting to the credit bureaus. This started in XX/XX/XXXX. Several attempts were made to negotiate with XXXX XXXX by mail, sending certified letters, however, never got a response only saying I owe the debt, but they could never validate that they OWN the debt. In XX/XX/XXXX an attempt to contact Speedy Cash to pay off the debt was made, as on their website it shows they still own the debt. That was in vain. At this time, nobody can validate who has the debt. Nobody is communicating on a payment settlement or agreement, despite I have the funds now. I have refused to give my bank account and card information and insist on mailing money orders or do bill pay through my bank, however, each company insists on access to my bank. 1 ) Who owns the account? 2 ) I will not give out my banking information 3 ) I want this all off my credit report being nobody can prove anything of who owns it. 4 ) I will negotiate a reasonable dollar amount to the company who OWNS the debt to have this matter resolved.
To whom it may concern Checking my credit report the other day I found some items that I would like cleared up. 

First I 'd like to address the XXXX XXXX ... This was included in our Bankruptcy which was final XXXX XXXX 2013. I 'd like to have it removed from my Credit Report and considered dissolved under our Bankruptcy. 

Next ... 
XXXX XXXX XXXX XXXX is paid in full. This was supposed to be paid by our insurance Company but they did n't want to pay 100 % .We fought this and lost. 

Next ... 
XXXX This debt also was included in our Bankruptcy and I would appreciate if this item can be removed from my report. 

Next ... XXXX XXXX XXXX .... 
This Debt was paid off not by Bankruptcy! We paid this off all the way to the final Payment. No Bankruptcy Discharge on this debt.
My mortgage was sold to Seterus in XX/XX/XXXX. I learned this when I went to make payment at XXXX XXXX XXXX and the teller could not process as the account was closed. I did research and contacted Seterus. Since, I have had nothing but a frustrating experience. While I made my XX/XX/XXXX and XX/XX/XXXX payments, I received a mortgage foreclosure package which was of grave concern! My payment for XX/XX/XXXX was made electronically on XXXX XXXX, 2016 in which I paid a XXXX dollar fee so it would be processed the next day. When I continued to see the monies had not been withdrawn from my account, I contacted Seterus. I was told they had not yet possessed the request. I could not understand why. I was told my account would show payment on XXXX XXXX. I checked my account again yesterday to learn this payment had not been withdrawn from my account. I called Seterus again this morning. I was told by my bank, XXXX XXXX, indicated there were insufficient funds. I was asked by Seterus to make a payment via phone. I stated I needed to followup with my bank. The Seterus representative asked if I were refusing to make payment. I stated that was incorrect ; I wanted time to clarify with my bank why they did not process the payment. Te representative was insistent she had to note my intent. I told her a payment woudl be made by the end of business today. I asked the exact time of close of business. I was told it is XXXX Eastern Time. I have since contacted my bank, XXXX XXXX, and there is NO record of an attempt to draw the amount due {$2400.00} from my account and it was verified that between XXXX XXXX and today, XXXX XXXX, 2016, more than sufficient funds were available. XXXX XXXX has given me a reference number as they are contuning to investigate.
I have disputed multiple times with XXXX, XXXX and XXXX  regarding the inaccurate reporting of AMCOL SYSTEMS. Multiple account are being reported that are not mine. 

Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXXXXXX XXXX  Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX  Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX
called office and spoke with XXXX to request my account number. She was rude, and asked " what do you want it for. '' This company has attempted to ruin my credit by continuing to re-age an old debt.
On XXXX/XXXX/2016 I contacted them XXXX XXXX XXXX XXXX XXXX to pay a debt owing on my credit report. I paid the debt in full and requested an email stating the debt had been paid in full. I explained that I was in the process of getting a mortgage and needed to do a rapid rescore with the credit. I have only worked with XXXX at ext. XXXX. She first stated that I would have to call back at XXXX XXXX the following day to get her to send email but that it would not be an issue. I called her back XXXX at XXXX she stated that she would send it out that it was right in front of her. I did not receive the email. I called her 8 times on XXXX each time she stated that they she spoke to her VP and he had to send the email but she would remind him. I do n't understand why I have been treated this way. I have a hard deadline to make to ensure financing for my new home. Called again at XXXX XXXX spoke to a XXXX XXXX. He stated that they could n't send out the email because of their law department and VP could n't get their system up and running. I paid my debt, it cleared my account but I ca n't get a email or fax showing that I paid my debt in full is criminal, Have been lied too twice about getting it done first yesterday XXXX and again today XXXX/XXXX/2016