WillisBack/dataset-financial-user-claim huggingface dataset:
This is the second time this has happened since  XXXX . My unpaid interest was capitalized because FedLoan Servicing, the company managing my loans, did n't " receive my documents in time '' for Income-Based repayment.     In  XXXX , I began the recertification process on  XXXX   XXXX , sending documents to FedLoan Servicing. I was never told what date I needed to recertify by. So I started the process when I got an email telling me I should. I was told they did n't get them in time because they are so busy, so my unpaid interest was capitalized on  XXXX   XXXX . My balance jumped from  XXXX  to  XXXX . My next months payment was {$1000.00}. Then my plan would continue on Income-Based repayment the following month.     This year, I sent in documentation on  XXXX   XXXX  after receiving an email to recertify. I was emailed on  XXXX   XXXX , told my recertification was " on hold '' so I called the company. I was told that due to an error when I filled out the digital paperwork ( following the instructions on their website ) my recertification was on hold. And that it would n't make it through on time due to FedLoan Servicing being behind schedule. My interest would capitalize and my payment would be {$1100.00}. My balance is now {$110000.00}. And it is through no fault of my own.   Again.
This is unacceptable. I work hard to pay what I can afford and am being pena  lized unfairly by a company that has no interest in resolving my debt, but is more than happy to increase it. Even when it is due to their own negligence.     Because the scenario that is playing out is this. I pay what I can afford because my job does n't pay me much as I serve the public. But the unpaid interest that accrues is substantial because my job is n't as lucrative as it is beneficial to the community. FedLoan Servicing is incentivized to fail at properly scheduling things. It is incentivized to put my paperwork on hold. As any delay in the processing of my rectification means an increase in the principle of my loan. The higher the principle, the more interest they can collect. They know that I 'm struggling to keep up with my principle and interest payment, so they know I will accrue more unpaid interest. And, FedLoan Servicing is again incentivized to slow down the processing of my paperwork to, again, capitalize my unpaid interest. That means they can charge me more.     The proof is in my principle inflating from {$99000.00} in  XXXX  to {$110000.00} in  XXXX  despite regular on-time payments, multiple extra payments, and following instructions laid out by FedLoan Servicing.
I missed a few payments on deadline due to not getting the notice of due payment. XXXX XXXX penalized me with the late payments on my credit score.
My name is XXXX XXXX. XXXX and I live atXXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have not received an answer from the Chase bank as to why they paid XXXX to anyone in my name. Since 2007, I have asked for this information and to date the ChaseHomeMortgage dept. has not rendered same to me. Please advise.
In XXXX, I was mailed a credit card offer by Capital One stating that payment would not have to be made until XX/XX/XXXX. I applied and received the credit card. I called in XX/XX/XXXX to find out the exact date of when the credit card payment would be due before the 0 % interest expired. I was told by a customer service representative that I had until XX/XX/XXXX to make the payment. I called again on XX/XX/XXXX and was told that the 0 % interest off would expire on XX/XX/XXXX and that there was nothing they could do about the misinformation that I received. Now if the payment is n't made in full, I will be subjected to 22.9 % interest. I feel like this was a scam and I would have never signed up for this offer had I known this was the case.
On Friday, XX/XX/XXXX my XXXXyear-old child received a promotional flyer from Citibank advertising a generous cash bonus if s/he opened a new checking or savings account and maintained a balance of {$50000.00} or {$15000.00} for 30 or 60 days, respectively. 

The flyer was addressed to my XXXX-year-old with the exact spelling of his/her name and exact address. 

Neither my spouse nor I have a current Citibank account. I had a XXXX credit card but that account was closed approximately 5 years ago and I have a different last name than my child. 

My child does not have a savings or checking account with any bank, does not have a college savings plan, or any other financial products. S/he does not have an email address or any online presence. 

When I called Citibank to get information about why my XXXX-year-old was receiving promotional material, I was told by someone in " Client Relations '' that my complaint was being " forwarded to a 'back-office team '. '' They could not give me an estimate on how long the investigation would take or when I should expect to hear back. They could not or would not give me a number I could call to follow up except for the general customer relations number. 

When I emphasized that it is illegal for minors to open checking or savings accounts without the consent of a parent and asked for more specific information on what Citibank was going to do to resolve my complaint, they stated they could not do anything else. 

I restated what I had been told. That my complaint was forwarded to a " back-office team '' who would investigate it and get back to me in an unspecified timeframe and that the only possible way to follow up was to call the general customer relations number. The response to that was " that is the proper expectation. '' I demand to know how Citibank got my XXXX-year-old child 's information and why they are sending promotional material to a minor.
Rocket Mortgage pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.
Transunion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives that advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.
On XX/XX/XXXX at approximately XXXX I went to use the outside ATM outside of Chase Bank located XXXX XXXX XXXX XXXX TX XXXX. As I put my deposit of {$1400.00} ( 14 {$100.00} and 1 {$20.00} ) the machine begin to go black, and came up with a message that stated out of order. I didn't receive any form of receipt.I went into the Branch and spoke with the Branch manager who filed a claim with the claims department XXXX and provided me a claim number. She informed me I would have the funds by the end of that business day XX/XX/XXXX. At approximately XXXX that same dayXX/XX/XXXX I contacted the claims department and spoke with a gentleman who informed me I would have the funds by the end of the day XX/XX/XXXX. On the morning of XX/XX/XXXX I checked my acct and it was negative {$80.00} due to bills coming out of my account. AT XXXX XX/XX/XXXXI contacted the claims department to see why the money wasn't in my acct as I was informed by 2 separate individuals that it would be there by end of day of XX/XX/XXXX.  He then proceeds to tell me because of the high dollar amount it would be in there by the end of this business day of XX/XX/XXXX. Then before the call ended he stated the claim closes on XX/XX/XXXX so I asked does that mean I won't get the deposit until XX/XX/XXXX and he stated yes. So I asked well why did you just tell me I would have it by the end of the day XX/XX/XXXX. At XXXX that same day XX/XX/XXXX I went back into the original branch where the error occurred and spoke to the assistant branch manager who contacted claims department who wanted to speak with me and she stated it would take 96hours for me to get a provisional credit and there is nothing else she can do to assist me. On XX/XX/XXXX I contacted the claims department back and spoke with another individual who informed me it would take up until 10 days for me to receive the funds. So at this point my frustration has kicked in because how do you run a business where your machine malfunctions and there is nothing you can do to help your customer while you fix your issue. So I am suffering with no money for who knows when due to your error. The biggest issue is that no one in the company is on one accord. Every time I speak with someone it's a different timeframe. I have no idea what to do because clearly CHASE doesn't know what they are doing. I feel this situational has been handled both unprofessionally and very irresponsibly. So now I have to suffer without money to provide for me and my son while Chase suffers no repercussions and all they can tell me is there is nothing they can do for me. What is a provisional credit for if I have to wait 10 days until the claim is settled. At that point the investigation should be concluded. I am very upset and disappointed with how CHASE has handled the situation seeing as though them and their malfunctioning machine is at fault. I sincerely hope you can help me with this unfortunate situation and prevent anyone else from experiencing this.
I called an requested a payoff and sent payment on the date the payoff was requested. Then an attempt was made to draft my account for an additional {$290.00}. I called and they said the payoff was only good for that date and that my payment was not made on that date. So they tried to charge me a return check fee and said I owed another {$48.00} in unpaid fees. So they are charging me {$350.00}. I requested a 10 day payoff so I am sure this would be paid in full so I would not have any problems with my bank but wanted to file this complaint because the letter they sent me indicates they could charge me again. The 10 day payoff is for {$370.00}. I am going to pay {$380.00}.
I receive this collection on XX/XX/2018, saying that I owed a phone debt in North Carolina ( XXXX XXXX XXXX ) of {$580.00}. Because I am a victim of identity theft, criminals use their own phone and address to receive information, therefore, I haven't received any phone calls or mail saying that I owe this debt.
I'm requesting that the following accounts be blocked from my credit report. The credit reporting agencies will investigate and report back verified, but verified by whom, and supported by what physical documentation. As a consumer I have the right to request this so called vertification. However, I will file a law suit in my next attempt at this if for some reason this is again verified without providing me physical documentation. The following accounts in question are XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX )
On XXXX XXXX, XXXX, I was pre-approved for a mortgage refinance from Wells Fargo. They told me I needed to pay IN ADVANCE, {$540.00} for taxes and appraisal fee. I was very reluctant about paying, but they told me I could n't close without it. I wrote an email stating that " In the unlikely event that you could not close the loan, I would be owed a FULL REFUND of the amount collected. '' On XXXX XXXX, XXXX, Wells Fargo charged my credit card for the amount stated. On XXXX XXXX, Wells Fargo called me and said that they are no longer approving my loan. When I asked them for the refund on the money they extorted from me, they said " Sorry, but no refunds ''. They are scamming credit worthy applicants out of their hard earned money by promising approval, taking the upfront money, then once they have collected, refusing to close. This company should not only be held responsible for refunding the money, but be criminally prosecuted for their actions. Thank you in advance for your assistance.
The attached collection never proved any right to collect a debt, which requires according to the Federal Trade Commission, Consumer Financial Protection Bureau and my rights under the Fair Debt Collection Practices Act not only a statement that the collection agency or debt buyer is trying to collect on a debt. but there must also be given to the consumer a sign off statement from the original showing documentation that the debt collector was assigned permission to collect a particular debt, but since the US Supreme Court decision on XXXX XXXX XXXX XXXX XXXX XXXX, there are hundreds of collection agencies now identifying themselves as debt buyers. This decision basically throws out my rights under the Fair Debt Collection Practices Act completely. There is a big problem with collection agencies now classifying themselves as debt buyers. The first problem is that almost all states are now requiring separate licensing for such a designation. Most debt collection agencies are avoiding that requirement nationwide. In addition, there must be a written statement from the original debtor showing proof of new ownership. A simple letters from a debt collector will not stand up in any state court. The attached collection/debt ownership is invalid based upon the fact that in most cases a collection agency can not show proof of assignment or new debt ownership. Almost all credit card ownership has been sold to securitized pooling agreements. This is factual which means one thing, how can the original procurer of a debt assign collections or new debt ownership without approval from the original securitized trust without buying the debt back itself. The simple math proves otherwise. This letter of the right to collect either on collection assigned rights or new debt ownership is invalid based upon the disconnect of rights. Accordingly, the collection is invalid and can not have validity unless its given back to the original debt procurer. I am not disputing the obligation of debt. The collection agencies have already abused the XXXX decision causing billions in financial damages to the American consumer. This collection is in essence invalid and my file should be purged and any reference to a collection on my credit bureaus must be deleted permanently.
I received a letter dated XXXX/XXXX/XXXX from Credit Acceptance in regards to my initial letter to them disputing a credit inquiry that was on my XXXX credit report. They stated that this was confirmed. I never applied for any loan product with company or any affiliates. The inquiry is dated XXXX/XXXX/XXXX. I do not have any loans with them
Account was paid ; however, tradeline have n't been removed by Midland Credit Mgmt Inc and XXXX XXXX XXXX according to our agreement.
Capital One was informed on Tuesday that an improper charge was filed, XXXX times more that actual bill : {$21000.00} versus {$210.00}. Vendor confirmed it was {$210.00} on phone with Capital One and my engineering business. Despite reported fraud, capital One paid the entire fraudulent amount on Friday, wiping out my remaining credit, resulting in rejection of valid charges. After 5 hours on phone attempting to resolve, I was informed it was MY problem to recover my {$20000.00}. Of course vendor, a XXXX XXXX, is not returning either my or Capital One calls. I 'll be taking my business elsewhere and suggest others do as well.
I had a collection show up on my credit report from CAB collection company. I never received any type of dunning letter or given my right to dispute the debt. I immediately disputed the collection with equifax and CAB verified it. I filed a complaint with the XXXX and told them my concern and asked for there help. CAB just kept saying that they had know knowledge of the debt and they couldnt find any record of it. I gave them the account number that is on my report, the original debtor and the amount of the debt. They kep saying they had no record and couldnt help me. How can they report a collection on my report and not have any record of it. If they cant show validity of the debt or cant find there records then they have to remove it. I attached a copy of the XXXX complaint so you can see where they admitted that they have no record of it
eqifax claim i have a tax lien, court house do not report to credit bureau they claim they got information from third party from XXXX XXXX, XXXX XXXX dont show no report of tax lien i been fighting this since XXXX of XXXX as now they refuse to removed the tax lien unfair practice.
I have requested my money from HSA Bank ( R ) is a division of Webster Bank, N.A., Member XXXX XXXX and they told me it will take up to 30days for me to get my money. The bank refused to let me speak to anyone else.
I was charged {$35.00} for XXXX overdraft fee 's for charges less {$10.00}. I am going though financial medical hardship.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX
XXXX 2017, I attempted to get validation on a medical debt that I believed may not be mine or inaccurate and/or incomplete. I wrote all credit bureaus regarding the issue, as I am a victim of identity theft and wanted to make sure the debt was mine and if so I sought documentation validating the debt was mine to include a billing statement, what amount insurance paid and/or the discounted rate if no insurance was paid, and date of service. During this dispute, the debt was deleted by all three credit bureaus after 30 days as being invalidated. I was informed that the debt would not reappear on my credit report unless the debt was validated and I was provided written notification within 5 days of reinsertion. I was never notified by the collection agency or the credit bureaus of reinsertion, note bearing my signature to the original creditor, payment history on the account, and itemized charges and fees. Due to this violation of the law, I rewrote the bureaus to notify them of the error and illegal practice. XXXX corrected the error because the reinsertion violated the law and removed the collection from my credit file, but XXXX did not due to the collection agency 's illegal practices. The collection agency through its communication did not notify me of the debt, my rights to dispute the debt, or the contact information of the original creditor. Also I have attempted to research the contact information of the original creditor but have been unsuccessful. I XXXX the original creditor and the internet provides data that reflects that original credit is an affiliate of the local hospital and list the local hospital as the contact phone number. When I called the hospital billing department ( XXXX ) I was sent to the emergency department. The ER department said that they do not handle that account and that company has been sold multiple times. They gave me the number to the company that handles the original creditor 's recent accounts at XXXX. This agency said they only handle the original credits scheduling and I was given another number to contact XXXX. I was informed they do not handle this debt and to try XXXX but I got no response. I have been trying to resolve this issue for several months. Please note that my address and phone number has been current with all credit bureaus for months.
I opened a Citigold Checking account with Citibank on XXXX/XXXX/XXXX after receiving the promotion code XXXX. The requirements for this promotion were to open a Citigold checking account, make one bill pay transaction for two consecutive months, and make {$1000.00} in purchases via the debit card. Upon completion of the promotion requirements, I would receive XXXX XXXX XXXX. I thought this was a great promotion as I am a long-time Citibank XXXX credit card customer ( since XX/XX/XXXX ) as well as a Citibank customer ( since XX/XX/XXXX ). Citibank opened my Citigold Checking Acct in early XXXX XXXX. I promptly deposited funds and began working to satisfy the promotion requirements. I completed the bill payments on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I completed the {$1000.00} in debit card purchases on XXXX/XXXX/XXXX. Following completion of the requirements, I contacted Citibank customer services and was informed that I had met the requirements and the miles would be post XXXX statements after the period in which I met the requirements. Given the requirements were completed in XXXX and the XXXX statement closed on XXXX/XXXX/XXXX, I expect the miles to post XX/XX/XXXX or XX/XX/XXXX. After not receiving the XXXX AAdvantage miles by XX/XX/XXXX, I sent a message to Citibank via the messaging function on their website on XXXX XXXX, XXXX. Citibank promptly replied on XXXX XXXX and indicated they would review the issue. After several weeks I received a letter from Citibank on XXXX XXXX, XXXX indicating that after investigation they determined that I was not actually eligible for the promotion. This contradicts information previously provided to me by Citibank customer service.
yes ive been trying too work out a monthly payment on my moms account with collections dept.they asked me how much i can pay monthly toward closed account.i told him first XXXX .he said no.than i said XXXX he said no????? i asked hime was the minuium??? he would not tell me????? what kind of people work here???? my moms on XXXX???? and i am too????? than i get a letter email stating they offered payment options??? they offred nothing too me. im trying too work with them.but these people are of no help? like too talk too not the collections supervisor he did nothing for me??? like too speak too whos higher up in charge??? like i wana contact XXXX XXXX office on this mattar???? also wana get all late fees waived and penalities too on account????
I had a fence put in XX/XX/2017 and was told there would be a 24 month deferred no interest, I got my bill and saw it was only 6 months, I called Wells fargo several times and they told me the agreement was with the fence company not wells fargo, yet I am paying wells fargo credit card. I have been paying every 2 weeks and now they have put a XXXX interest rate on my card on the XX/XX/XXXX statement.
Back in XXXX 2009, I took out a personal loan with XXXX ( now OneMain Financial ). The term was for 84 months, and while I knew the interest was high ( 29.49 % is insane ), I assumed that the payment schedule that I was given would work to a XXXX balance at the end of the 84 months, at least that was how it was explained to me when I signed the papers. The initial amount was for {$7700.00}, and at the completion of the term, OneMain expects the remaining balance of XXXX, now. XXXX on time payments, with XXXX deferments, of monthly payments of XXXX, I have paid a total of {$16000.00} dollars towards my account, more than double the initial loan. OneMain is predatory and outright extortion. There were several months where as little as {$2.00} or less were applied to the principal. I had no idea that in order to actually pay my loan off I needed to put down triple my monthly payment!