WillisBack/dataset-financial-user-claim huggingface dataset:
I went to pay my Amex. It showed I only owed a small amount. However the amount of the bill was over XXXX. I paid the total which over XXXX. I then went and looked at the upcoming closing bill, and realized there were over XXXX in credits on the bill that yet to close. I immediately realized it was applying the credits to the already closed bill. I went in and hit " cancel payment ' for the XXXX. And then paid the minimum of XXXX some odd dollars. The reason being is that if I had not done that, Amex system will automatically take that overage of XXXX and apply to s pay over time portion of my card, shock I did NOT want or authorize. 

The cancel showed in the screen with XXXX pending processing. This was within 20 minutes of the initial transaction. I then receive XXXX emails hours later saying XXXX PAYMENTS were processed. This is unacceptable for XXXX. I then decided to wait a few days to let the next statement close and call if needed. I called and the representative basically said too bad. This is unethical as I as the cardholder and customer should have the right to determine where my payment/money is applied as long as any minimums are met. It should not be up to a system and as well system errors. 

I asked for a supervisor ( and had to fight to get XXXX ). 

A supervisor came on and edit idly told me the same. I pointed out it was obvious what I had done as why would I pay XXXX and then XXXX.? She argued but in the end found a way to put a XXXX charge from my current stating to the pay over time to help even things out. I accepted this as a temporary measure. But am not satisfied as now that sticks with interest and XXXX higher balance on the pay over time portion. 

This is unethical and should be illegal for a card network to force you to allow their erroneous payment system to make decisions for me as a consumer. This is my money and I did NOT AUTHORIZE the application of funds to the pay over time, and the Amex 'cancel ' payment option did not work. ( Even though it showed as cancelled and then disappeared ). 

This is an injustice and I was n't treated well during the process. The Amex system has issues, thus happened in the past and the XXXX was x led to reapply the funds and were apologetic. I feel swindled and find this on the verge of being illegal. I am losing money by the XXXX charge being put into the pay over time. I had planned to use the credits within the bill they appeared in as this keeps my expense tracking ckean, and should be my prerogative. I am greatly angry at the unethical practice of Amex and refusal to address glitches in your system.
Missed 1 payment in XX/XX/2018, daily calls multiple times still continued even after payments are being made. Most calls ignored/sent to VM during business hours, but some were answered and each time I said to stop calling my number. The calls persisted until I called them up and complained, when I was laughed at and threatened with repossession for only missing the 1 payment.
Professional Account Management, LLC, a debt collector for the Delaware Department of Transportation is frauduently attempting to collect the same alleged debts under unique and separate account numbers in an effort to double charge me. Furthermore, the alleged debts are not valid and I have disputed their validity countless times.
I have a promotional credit card with Home Depot. They regularly send me offers and I decided to take out a promotional card offering 0 % interest for a home improvement project. I did this a few years ago and it worked out very well but this time they started charging me interest on what they call a revolving balance. It 's on the XXXX page of the bill with no reference on the first page and it started after months of paying the bill. I feel this is misrepresentative/false marketing and a way to get more interest from consumers.
Western Union refused to pay recipient of funds on multiple occasions. They retained my money for 6 months, and I have not been refunded. 

On numerous occasions I called or attempted to look up the transaction online. Every time I was informed that they could not find my tracking number ( XXXX ), and after escalating the situation, would be informed that the transaction was " on hold '' or " frozen ''. Each time the representative would inform me that they removed the " hold '' and the funds were available for pick up. And every time my receipient continued to be denied the funds. 

Last week I requested a refund. The representative agreed to issue a check for the funds as the debit card I used to fund the transaction was set to expire. I was told I would be contacted in 24-48 hours by Western Union to verify my address. I was never contacted. 

Since then I called Western Union 3 times : 1 ) First time learned that the representation last week had NOT cancelled the transaction, and that it was still on " hold '', but that they would release the transaction so that I could go online and cancel it myself. 
2 ) The second call I spoke to a supervisor who said that the transfer was arranged online so they could not refund me. When I explained that my debit card had expired, she said she would connect me with a different department, and the call dropped. 
3 ) During the third call a different representative told me that they could not issue a check for the refund as the transfer was originally arranged online. Instead, her supervisor would escalate the issue to their back office, which she referred to as the " trace desk department '' and would contact me within 24-48 hours. 

6 months, lots of time wasted, and no resolution about IF and WHEN I will ever be refunded. I have never encountered so many mistakes from a financial institution, especially on such a basic transaction. I would recommend wire transfers to anyone considering western union.
I settled this debt with an agency representing XXXX roughly 2 years ago for exactly XXXX dollars. Now XXXX apparently did not status my account settled and illegally sold my difficiency balance and has a law firm of XXXX in NJ suing on behalf of the purchaser of the debt XXXX. This is exactly what the CFPB has been fighting, poor record keeping, chain of title and shady operations and debt purchasers going after people who no longer owe on their debt. I am getting my statements which I have to pay for to pull the statement that reflects the XXXX payment I paid. Why would I pay XXXX and then stop paying if it was n't a settlement? That makes no sense. If you can get the collector notes and or recorded call it is with a 100 % certainty you will see and hear a settlement was completed for XXXX dollars. It actually was going to be XXXX, but I had to borrow from my girlfriend/family so I negotiated with agency to pay XXXX. I need your help in ending banks and debt purchasers who operate like this. This is why people have a poor perception of banks and debt collection because of banks like this.
I was pre qualified for a loan through Wells Fargo & submitted all the documentation needed and myself, the listing agent, my real estate agent & the seller were told everything looked great. This went way past the due diligence period, I put down my earnest money, had the home inspected & had the appraisal completed. The closing date was scheduled for XXXX XXXX. XXXX XXXX I received a call that the property taxes were more than they anticipated, & to keep the debt ratio down, they needed me to put down another {$25000.00} and also told me I 'd need to switch my Homeowners Insurance to Option B, which was a higher deductible of {$2500.00} with poor coverage & no full replacement value to reduce my premium. My insurance agent refused to do this to protect my interest. As a result of these XXXX requests at the last minute, I had to back out of the loan. I lost the house, & now I 'm out all the money I put down because of their negligence in informing me of needing this additional money right before closing. They had all my information & knew the taxes for an entire month. What can I do to get Wells Fargo to reimburse me for my earnest money, inspection fee & appraisal fee. I 'm out {$2700.00}. That 's a lot of money for me when they are a Federal Bank & should take responsibility for their incompetence.
I have contacted this company and asked them to cease and desist collection because the account doesn't belong to me. They removed from my credit profile, waited a few months and then started back reporting. I have a letter stating they would remove it. I am filing a complaint to get them to have them cease and desist and sent back to creditor to find out who account it really is
I filed a complaint through cfpb on XXXX XXXX, 2015 about a debt that did n't belong to me for XXXX XXXX that XXXX XXXX XXXX was collecting on. 

At the time, there were XXXX accounts that were affecting me and we reached an agreement that I would pay off XXXX account and XXXX XXXX XXXX would remove the XXXX account from my credit report and consider it resolved. 

XXXX XXXX XXXX followed through with what they said and removed the account from my credit report, but that account has apparently now been sold to another collections company ( EOS CCA ) who has put the account back on to my credit and started collection attempts on the account that was supposed to be resolved. 

The case number that was created before is XXXX and has a related case number of XXXX. The XXXX century link account numbers are XXXX and XXXX. Account XXXX is the account that was removed and apparently re-sold to another collections company. Account number XXXX is the one that I paid. 

I have attached a copy of the accepted complaint from the original company.
I 've disputed this info with the CRA 's and they were required to # 1 put the notice of dispute within 30 days of receiving my 1st dispute which they did n't and # 2 the info on my credit report is required to be accurate and complete. Each of the accounts that I have disputed are now missing the original amount.
All 3 CRA 's are stating these items have been verified but I can see that none of them have the notice of dispute like I mentioned and I 've seen that none of them have have the original amount as required. In addition, where 's the proof that any investigation was done?
I contacted TD Bank XX/XX/XXXX requesting an extension to my maturity XXXX. After having paid perfectly for 10 years, I was informed that they were not renewing land loans and could not extend my maturity date. They suggested I move the loan. I informed them this was not possible as other banks were not financing land loans and the property was worth XXXX % of the loan amount. TD Bank suggested that I file a " Request for Assistance '' ( RFA ) package. I obliged and completed the information. They approved a deed-in-lieu ( DIL ) after 6+ months and I requested that either they forgive the residual balance or we agree to terms for the repayment of the residual balance. They refused and the DIL was cancelled. They had me complete the RFA again for a loan extension/renewal. The loan modification was again denied after another 6 months. XX/XX/XXXX I first contacted the CFBP. I immediately received a response from TD Bank. I explained the situation and was told to complete a RFA again. For the 3rd time I completed the RFA. I then spoke directly to a representative and he again informed me they would not extend the loan as they are not extending land loans. I indicated that I understood and would except a DIL so long as the residual balance was forgiven. The representative asked if I was able to make a principal balance if the DIL was approved and balance forgiven. After consideration, I concluded that I could provide an additional principal payment to the bank of $ XXXX. The bank verbally agreed and committed to this action XX/XX/XXXX/XX/XX/XXXX. It is now XX/XX/XXXX and TD Bank is suggesting that they can not abide by this agreement. I have been contacting them repeatedly without success. They continue to indicate that multiple departments are involved. Please provide any assistance necessary as my note matured XX/XX/XXXX. I stopped making payments based upon the bank 's acceptance of the $ XXXX principal offer.
Over the years I have repeatedly had problems with the way that Navient ( formally Sallie Mae ) applies my auto-debit loan payments. This issue reemerged this summer unbeknownst to me. I have repeatedly requested that when I make a payment, that the payment is applied to each of my loans. Navient frequently alters the way that the loan is applied. This summer they began taking the same amount of money from my account ( so I did not notice a change ) but began applying that payment only to the lowest interest rate loans. This change resulted in my highest rate loans accruing interest and then accruing interest on interest. I would not have been charged this amount if my payments were applied correctly. 

This issue is an ongoing problem. The reason I am posting this today and reaching out outside the Navient organization is that I had the exact same problem with Navent in the past, and it took a great deal of time and effort to get the issue corrected.
I checked equifax site for security breach and it stated that identity might have been impacted. I checked the site today X/X/2017.
My loans are at the moment in deferment due to defrauding case with XXXX. My loan was bought out by Navient while in deferment and has been split into two separate loans collecting interest on each loan when I was only getting hit with one flat interest rate. Now if my case does not go through and I 'd have to pay double interest on two separate loans. I would n't be able to afford that. I ca n't even go back to school if I 'd want to because I ca n't afford to.
XXXX has been calling my son and I every five minutes on our home phone, my son 's phone which is ( XXXX ) XXXX, and my cellphone, which is ( XXXX ) XXXX. My son has already told them to stop. They ca n't seem to stop calling us until they get through to one of us. They disrupted my son 's conference call three times this morning and called my home phone at least ten times in the course of 2 hours. My son told them to cease and desist He also told them that I do n't want them to call me. We 've had enough with them and ask they quit calling us. Thanks.
ignoring complaints, giving inaccurate information, incorrectly processing payments and steering borrowers to higher-cost repayment plans.
wells fargo has always charged me overdraft fees when I go to ask them to inform me they always say that I overdraw my account. Ive wanted to close it but they say they charge.
CITIBNKN/A is reporting two student loan accounts that were sold to XXXX in XX/XX/XXXX. There are two accounts listed in the amounts of {$3200.00} and {$2300.00}, I confirmed with XXXX XXXX/XXXX on XX/XX/XXXX that they did indeed acquire the loans from Citibank and that Citibank should no longer be reporting these loans on my credit. I have left several messages between XX/XX/XXXX-XX/XX/XXXX at XXXX, which is supposedly there student loan hotline, and no one has called me back. So on XX/XX/XXXX I called Citibank 's general line at XXXX it was confirmed by a representative that I have no open loans or trade lines with them.
Wachovia/Wells Fargo Bank forged and put into place a predatory loan modification in XXXX 2009 and hid the fact from my husband and I, the borrowers for over six years. They also manipulated the processing of our mortgage loan payments, escrow account balances, and annual escrow account analysis all in their quest to foreclose on our home which also was involved in a class action defective construction lawsuit which Wachovia/Wells Fargo continues to ignore all while trying every dirty trick to gain ownership of said home. It also appears that Wachovia/Wells Fargo did not legally substitute the original beneficiary which shows as XXXX XXXX XXXX nor did they legally substitute the Trustee from XXXX XXXX XXXX XXXX XXXX XXXX, a California Corporation. Wachovia/Wells Fargo lower level employees and/or sub-contractors have denied my request to investigate the 2009 loan modification for over 6 years when I still have the original, unsigned modification offer in my files. They then were able to produce a copy of the forged loan modification a few months after the supposed Wachovia/Wells Fargo employee that authorized said modification was no longer employed by them. Every time I request a review of my account and the asked for help from Wachovia/Wells Fargo, I have been thwarted. I have been repeatedly told to re-finance or apply for a loan mod, all while Wachovia/Wells Fargo pursues a foreclosure based upon a forged, predatory loan modification. I demand that the CFPB step in and stop this illegal practice, and review every loan modification that was signed by former Wachovia/Wells Fargo employee XXXX XXXX. Her signature on my forged loan modification of XXXX 2009 is a cut and paste job that was Wells Fargo purposely concealed until after she left their employment. Based upon the original terms of my XXXX XXXX Pick-a-Payment, the current interest rate that I should be charged is and should have been charged is significantly lower than what they have established under the forged XXXX 2009 loan modification. My entire mortgage loan amount needs to be recalculated with the correct interest rate charged, which Wachovia/Wells Fargo has refused to do as they claim that my husband and I are lying regarding the XXXX 2009 loan modification. If I were lying, why would I have the original loan modification offer on the original letterhead in my files?
On XXXX XXXX, 2015, I disputed this debt through XXXX Credit Bureau. See Attached Since it was verified I requested what documentation was used to verify such debt. And requested through debt collector what contract does it have assigned to them. This fraudulent attempt to collect a debt should be removed immediately.
COMPANIES INVOLVED : XXXX, EQUIFAX, XXXX DATES : XX/XX/2018 ITEM REPORTED INCORRECTLY : BANKRUPTCY I've been trying to get this item removed since it has been reported. I'm in the process of buying a home so I really need to have this item removed from my credit report because it's reporting incorrectly. I've recently sent more certified letters to all 3 credit bureaus disputing this information, and requesting to have this derogatory item removed immediately. The credit bureaus refuse to remove this item because they're stating the Federal bankruptcy Court verified this information. As we are all aware, the Federal Bankruptcy Court doesn't release this type of information to third parties. I've also asked for a method/proof of verification, and they refused to provide me with this information. 

PLEASE HELP!!!!
I owed money to a credit card company called XXXX XXXX in XXXX and received a chapter XXXX bankruptcy discharge in XXXX.. since then I have had trouble on occasion with getting loans and have discovered every time It 's disputed they put it back on my report and this to my knowledge is against the law. I HAVE SUFFERED WITH HIGH INTEREST LOANS BECAUSE OF IT. I WANT TO SUE THE XXXX XXXX AND ALL THE CREDIT REPORTING AGENCIES FOR NOT FIXING THIS PROBLEM. I had my attourney try and take it off twice since my discharge and it keeps coming back. I have the same problem with XXXX XXXX XXXX but already collected a small class action settlement from them but if they still refuse to take it off can I sue them directly? I deserve compensation for my troubles and am tired of fighting these bully banks and lazy credit reporting agencies that do nothing to keep truthful information.
For the second time Freedom Mortgage has misreported information to the credit agencies. We completed our refinance with Freedom mortgage and closed the previous loan. Freedom mortgage has reported a 30 day late notice on a loan that closed and paid in XXXX of 2016 ( XXXX ). On XXXX XXXX, 2016 my wife and I both received 30 day late notices on this " closed '' loan. Freedom mortgage has also incorrectly reported our loan balance to the credit agencies. They ( Freedom Mortgage ) have added the paid interest to the loan instead of reporting the payments made. Both these items have a negative impact to our credit reports.
XXXX XXXX XX/XX/XXXX I did not authorize this inquiry tried calling equifax to get this taken care of 3 times they said there is nothing they can do. 

XXXX XXXX XXXX and XXXX XX/XX/XXXX I did not authorize these inquiry tried calling and writing equifax they too again says it has to stay on my report after i stated I Maybe a victim of fraud
I received a link to my XXXX XXXX account. When I looked at my dashboard I see that 4 inquiries were on my report. Only XXXX for my last lease in XX/XX/XXXX was valid. 3 separate inquiries from Equifax Mtg. from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that were not initiated by me and I never saw before. I attempted to call their listed telephone number ( XXXX ) XXXX and he automated system was not helpful and disconnected my call 5 times. 
Frustrated, I looked up your website and seek to have these inquiries flagged and hopefully removed from my report. I have had hard time rebuilding my credit after a prior marriage led me to bankruptcy.
On XX/XX/2018, I received a call from a number I didnt know and I dont answer calls from unknown numbers. I then received a long voicemail that is almost 3 minutes long, completely inappropriate by starting the voicemail out by saying let me tell you doesnt state who he is or where he is calling from until the very end and is raising his voice and harassing me stating if I dont have an attorney, I strongly suggest you get one I have never received such a disturbing call ever! I have saved the voicemail and have his name which is XXXX  from XXXX XXXX for XXXX XXXX XXXX XXXX  ( the clothing store ) I have his phone number and ext that he left. I am very upset and have high anxiety and this made it worse. Very unprofessional and inappropriately handled!
the company Westlake financial is not reporting my creditthey received information that was needed on a joint applicantXXXX XXXX
I applied for a credit card from Bank of America. This situation has happened to me by them once before, so I was more than a little miffed about it happening again. After applying for a credit card, they told me it was under consideration and it may take a few days before telling me of the approval status. As of today ( XX/XX/18 ), I  checked my accounts online through Bank of America, and saw that they opened a new account without giving me any notice at all, and took {$4000.00} of available credit from one of my other credit cards without notifying me, or asking me if I wanted to proceed with that. I did not have a decision at all in this. No call. No conversation. No asking to consider if I wanted to do that. They just did it. I did not apply for credit for them to take credit from one of my other cards. I applied for new credit to add to my existing credit. I have decent credit, and if they don't like it, they can just not approve a new account. This is extremely shady business practice, and can not be tolerated. Who else do they treat like this? And shame on them.
They call my phone number and play games on the line, use offensive language towards me and call me names when I tell them to stop calling me and then they h/up.