WillisBack/dataset-financial-user-claim huggingface dataset:
I have been battling with Wells Fargo for years, most recently within the last couple of months. I have been submitting any documentations that I can send to them because my ex-boyfriend took out this loan in my name. This is a fraudulent account. I even have proof that Wells Fargo closed this account on my Credit Reports and then they keep changing the balance. I do not agree with this. They are not organized. The person who most recently handled this case, XXXX. I was informed for over a month that she was a part of the Fraud department. Then she changed it today that she is part of the Recovery department. I do not know what to believe. I communicated within a timely manner, for each of their requests. They would always take a very long time to respond, without showing any proof, hard copies, of where this account came from. I do not want to be responsible for an account that does not belong to me. I want them to clear this balance again, to {$0.00}, which I have proof is showing and has shown on my credit reports.
The collection company said that the hospital had a contracted Dr. on duty the night my daughter was seen at the hospital. They said health insurance paid the hospital bill but not the separate Dr. bill. The hospital is no longer in business. I ca n't get a hold of them to fight this bill and I am desperately working to improve my credit. To add insult to injury I was n't even the person who took her to the hospital that night almost 5 or 6 yrs ago so I did n't even sign the paperwork. Their are approximately XXXX separate accounts.
Regarding home equity loan #  XXXX , I am forced to file a second complaint as only part of the issue has been resolved. Specifically, I was charged excess interest, inappropriately, and despite my repeated attempts to get acknowledgment and reimbursement of the sam e, Citibank has  been silent in any and all written communications on the subject matter. Per the attached docume nt ( mo nthly statement for the period between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  ... the last statement ), I was charged {$44.00} for interest at 2.49 % for the 17 day period between  XXXX  and  XXXX . The loan was fully repaid, however, on  XXXX  ( per  XXXX  's automated system of which I just received confirmation again today, after speaking with another Supervisor -  XXXX  - who told me she had to start the dispute process all over again  )  ; hence I am due about {$25.00} back. I had disputed this along wi th Citibank 's charge of a county re cording fee for {$350 .00} (  of which I was never advised, notwithstanding their statements to the contrary wherein they claim they advised the third-party financial broker who was helping to complete the wire transfer in satisfaction of the full pay-off amount that Citibank had mandated, without any details as to what that was composed of ), which they have now refunded, but the excess interest charge was wholly ignored ( ag ain ) in their resp onse, as was the requested explanation of their course of action ( now and on a go-forward basis to prevent a recurrence of these types of errors, which unfortunately have been the norm rather than the exception in my dealings w ith Citibank on t his loan, going back to the loan 's inception and in between then and now  ). T he statement ( their statement ) and the math are both crystal clear - this wrong seems wholly indisputable and I am at a loss as to what else I have to do to get back the monies that I was charged in error ( and seemingly illegally ). I should be due interest for the four months that have now passed in trying to get this resolution ( and so it would seem that the {$25.00} suggested reimbursement amount would more appropriately be something like {$380.00} based on the referenced interest rate, with accruals continuing until the indisputable claim is fully satisfie d! ). As  such, I would be grateful if you would file a second complaint in the hopes of  getting Citibank t o formally acknowledge their error and provide me with adequate restitution of monies owed to me. Additionally, if there is another regulatory body that should be made aware of this ( seemingly egregious conduct and shirking of responsibility ), I would appreciate you passing it on to the m (  or, alternatively, providing me with the requisite contact information so that I  may do  so ). Thank you in advance for your assistance.
I reached out to company on XX/XX/XXXX about credit inquiries that were not authorized by me. I spoke to XXXX and I even tried to talk to her about getting them removed. I then filed a report about identity theft and they still did nothing to protect my account or remove the inquiries. I have attached the identity theft report.
This company garnished my wages for a 2 party debt after I paid the amount that I owed.I contacted the company to let them know they had already garnished me for {$1700.00} and that the other party to the debt owed the rest and was told by XXXX that it did not matter, so I asked for a manager and the manager XXXX advised that they would continue to collect the debt regardless although I paid what I owed already.
I contacted discover today at XXXX EST on XX/XX/2017 and spoke with a credit analyst by the name XXXX, She informed me that the reason for my credit increase denial was due to too many recent inquiries on my credit report, which is not the case. There are no recent inquiries. I find this to be concerning as well as unethical.
Called Capital One Customer service on XX/XX/2017, to take advantage of 0 % APR for 12 months with a 3 % balance transfer fee. 

I did 3 balance transfers. All 3 were posted on XX/XX/XXXX. 

XXXX Card for {$7500.00} XXXX Card for {$9200.00} with 3 % fee at {$270.00} XXXX Card for {$5200.00} with 3 % fee at {$150.00} The XXXX Card Balance Transfer for {$7500.00} was erroneously done at 21.90 % purchase interest rate. After 2 billing cycles of " research '' and no call back to myself, Capital One claims they " listened to the call '' and that I had agreed to this interest rate. 

I have done multiple transfers at 0 % on the SAME call ... Capital One is relying on trapping me in a moment of weakness on a phone call that had 3 separate terms and conditions read to myself, including 2 at the proper 0 % interest rate. 

Please reach out to Capital One and research that phone call, and find out what it is they are doing to correct this issue. This ends up being {$1600.00} issue over 12 months and Capital One reaps the benefits of slimy phone behavior. 

Thank you. 

-XXXX
I 've been notified that Fifth Third Bank charged XXXX and XXXX a higher interest rate on car loans made from XX/XX/XXXX through XX/XX/XXXX based on their race. I purchased my vehicle XX/XX/XXXX and feel that I may have been taken advantage of by their lending practices.
i had my mortgage refinanced with XXXX bank mortgage and they sold it to RoundPoint mortgage and they have refused to provide me with all the terms and condition of this mortgage mainly having a 15 day grace period before payment is due. i feel that they are trying to force me into auto-pay.
InXX/XX/XXXX, I purchase a dental practice in Florida. As part of the venture, I signed up for a business credit card with American Express. Unfortunately, inXX/XX/XXXX, my dental practice went out of business and a settlement agreement was reach with my bank to write off the remaining loan balance, as the business was sold at a significant loss. I have made good faith efforts to resolve all credits associated with the business transactions. In XX/XX/XXXX, I made a payment to American Express in the amount of {$5000.00} to resolve the business debt. My complaint against American Express is that the company has imposed an exorbitant and unreasonable of fees and interest onto my account. These amounts should be considered usury and should be investigated by all related regulatory, governing bodies. In XXXX, I was charged over {$2000.00} in interest and fees. In an economy where the average consumers yields 2 % -3 % on saving and investments, it should be considered illegal, usury, for companies to exploit consumers exponentially beyond those rates. Moreover, when I signed up with American Express, the alluring introductory rate was nowhere as high as the rates that have been imposed on my account. Furthermore, I request that your office look into these practices. My case is not an isolated incident. Online consumer boards are filled with similar complaints against this company. ( e.g. XXXX XXXX XXXX  ). Perhaps the company should be audited for the sake of transparency and public policy. This behavior should not be continually endorsed and permitted. I have expressed my concern to American Express, and have gotten no resolution, instead, the interest and fees continue to increase and to compound. American Express has been unwilling to resolve this issue equitably and ethically.
The original debt went into collections over 8 years ago. Keeps being sold and the original date keeps changing.
EXPERIAN REPORT # XXXX for XX/XX/18 After submitting online and writing personal denying 609 Letter of original confirmation of medical debt and chain of title ownership and final ownership of buying medical debt paper from the collector before them Medical debt over 7 years old Refusal of removing incorrect info after 12 months of proven attempts Creditor XXXX XXXX XXXX acct # XXXX Debt of XXXX Dollars Original Creditor XXXX XXXX XXXX After several attempts creditor XXXX XXXX XXXX over 12 months could not provide ownership proof of debt Refusal of 609 letter clear violation of Fair Credit Reporting Act
The creditors have wrong personal information. I have married and my last name is changed along with my address. I also noticed that they have medical debt reports that I did n't even know I had and can EASILY be taken care of right away! These things are a HUGE reason I am getting such a bad report, I NEED THIS CLEARED AS SOON AS POSSIBLE. Also I am taking care of a HUGE student debt, that should be showing progress to my credit report but just found out that it is n't because of them not HAVING THE RIGHT CONTACT INFO and my name change due to marriage. I have reason to believe my someone is using my name and social security number to keep utilities in my name, I see I have a " consumer energy '' and " XXXX '' debts in a time frame that I 've lived here at this current address and KNOW for a fact could n't be my debts because we have different providers actually I still have them until this day. WHAT DO I DO?
i filed chapter XXXX in XXXX 2016 -- these debts were listed and relieved as of my closing -- these should be removed from my report -- i also contacted the agenies listed more than once to re-iterate this action that was taken -- i was not proud, but have a husband who has been XXXX XXXX XXXX, and unemployed for the past 2 years with XXXX XXXX to raise -- i work XXXX jobs and do my best to keep up -- these major unforeseen circumstances severly impacted our lives!!!
I went on line to check my credit. I received reports from XXXX and XXXX. When I tried to access Equifax INC. they refused.
XXXX is not my account. Remove immediately. I did not authorize myself to be added to this account. I do not have a XXXX credit card.
For the first time in roughly 2 years, I had used an old credit card from First Niagara for a charge of {$27.00} on XXXX/XXXX/15. The balance immediately began accruing interest and on XXXX/XXXX/15, I made a payment of the current balance of {$27.00}. The following day, the payment had n't gone thru and the balance accrued another {$0.00} in interest. I spoke to XXXX at First Niagara who advised that the payment takes 48 hours to show but when the payment goes thru it will back date any accrued interest thus wiping them off the balance. Once the payment of {$27.00} finally went thru on XXXX/XXXX/15 the additional interest ( which grew to {$0.00} ) was not wiped off as I was initially promised. I spoke to XXXX again who advised that what he had told me initially was not true and that loan would still accrue interest and payments that take 48 hours to process do not get back dated to the date of the original payment and he refused to remove the additional interest even though he admitted his mistake. He assured me though that the balance would not accrue any further interest so I went ahead and paid the {$0.00} balance. Again, when the payment was processed 48 hours later, there balance had indeed accrued another {$0.00} in interest on XXXX/XXXX/15. That same day I spoke to XXXX at First Niagara who attempted to credit my account the {$0.00} retroactive to the original balance date of XXXX/XXXX/15 which she had done. She also advised that XXXX once again provided me with misleading information in that the balance was still accruing interest. She said that she would freeze the account so that it would no longer accrue interest since it was " clear I was attempting to pay off the card. '' I also paid an additional {$0.00} towards the balance that day in an attempt to pay off the balance once and for all. XXXX my payment and XXXX 's {$0.00} credit went thru and my balance was down to {$0.00} on XXXX/XXXX/15. However, on XXXX/XXXX/15, despite the card having a balance of {$0.00}, it somehow accrued an additional {$0.00} of interest. I called again and this time spoke to Georgia, who tied to tell me that the interest was accruing because I used the card. I explained to her that the balance was {$0.00} and asked how a {$0.00} balance could accrue interest as there was no principal balance. She did not have an explanation for this and stated that she would also credit my account the {$0.00} of interest. I asked Georgia to cancel this card because of the aggravation it was causing and seemingly impossible nature to pay it off. It was also disheartening to receive so much misleading information from the representatives that I had spoken with.
I refinanced my original mortgage once XXXX to get a lower interest rate, in that process XXXX loan separated a portion of the primary mortgage into a second mortgage, so instead of a 1st mortgage of {$110000.00}, I had a 1st mortgage of {$96000.00} and a second for {$18000.00}, the increase in amounts went towards paying the " closing '' fees of the refinance. 

When the housing crisis occurred, I was informed by my mortgage lender to cease making payments in order to qualify for home modification loan, since our house lost so much of its value. Unfortunately, that did n't happen ( was refused modification ) and I was left out to dry by HAMP, and ended up losing my home which was eventually foreclosed on in XXXX 2013 for {$88000.00} less than the entire mortgage of {$110000.00}. Since XXXX XXXX did n't inform me that I would lose the non-recourse status once they separated the XXXX loans, I learned during the foreclosure that I owed {$18000.00} on the second mortgage for a house I no longer own, and that just sold for {$24000.00}. 

I had to move out, find a new place to live, which was across the country, and had to struggle to regain lost wealth, etc ... Well my secondary mortgage from XXXX for {$18000.00} ended up being purchased by XXXX XXXX XXXX during the bailouts, and eventually ended up with the debt collection company Green Tree/XXXX 

I have offered to pay 10 % to settle, seeing everyone took a haircut due to the Housing Crash that I had zero to do with, and was instructed by my primary mortgage lender to stop making payments to qualify for HAMP, which landed me in eventual foreclosure. XXXX refuses to accept anything less than 50 % over the phone, I am just trying to settle for a reasonable amount of 20 % of the total due, which is {$18000.00}, in a XXXX lump sum payment. XXXX refuses and are unreasonable to not incorporate the facts of the situation when arriving at a solution on this debt. This refusal is costing me money in a lower credit score, and at second chance at being a homeowner once more - I am just trying to move on with my life.
I would like to file a formal complaint against the Law Offices of Howard Lee SchiffOn XX/XX/XXXX I received a letter from their office claiming I owe a debt to XXXX XXXX bank in the amount of $ XXXX submitted a debt validation letter XX/XX/XXXX to their office, I had no further communication with them and the debt was never validated, Which violates the FDCPA. After some online searching I have found numerous other complaints about them and their collection methods from many others who have also claimed the same issues on not receiving the validations and along with far worse complaints of threats and illegally collecting fundsOn XX/XX/XXXX I received a summons to Small claims court, still without any validation what so ever that this is in fact a valid debt owed by me, The hearing was scheduled for XX/XX/XXXX in the XXXX Court, I knew was going to be unable to attend the hearing due to needing to provide my elderly mother a ride to and from XXXX so I submitted a request for continuance to the court a few weeks in advance which was n't granted. 

I received the judgement from the court saying I had defaulted, Even though I submitted the request. I then called Howard Lee Schiff and told them the issues I had and that they still never validated that this is in fact my debt so I said this must be treated as a fraud case and that 's when they finally sent me anything resembling any validation at all. 

I received from them were the fraud documents along with a few statements from XXXX at an address I once lived at and in a name that I also share with my Father, Who also was living with me at that same address during the time in question. His passing coincides with the receipt of last payment to XXXX having passed 2 or 3 weeks after the last payment they receivedI filed a motion with the court to have the default judgement removed and it has since been removed and the hearing is being rescheduled. The payment hearing was yesterday and that 's when they allowed the motion to remove the defaultI spoke with the lawyer handling the case for them yesterday at the payment hearing and I said why have I still not received any validation yet that I owe this and her words were " I have 30 days to request the validation, But they are under no time limit to respond to the validation " How can they legally and ethically do this? I am expected to go to court, Not knowing that this is in fact my debt?
CAPITAL ONE BANK RAN ALL MY CREDIT REPORTS TWICE IN ERROR I AUTHORIZED ONLY XXXX AND SOLFT ONLY
Applied for CC on XXXX ( XXXX XXXX ) Website about XX/XX/XXXX which offered XXXX Starpoints after spending {$3000.00} within 3 months. Approved for offer, but never rec 'd CC. Called Customer service said would send CC right out, but after 2 weeks never rec 'd card for another week so called back & CS rep said will send XXXX, next day rec 'd card along with another card by post office. I used first card, but soon found would n't accept charges. So I used other card which did. When I rec 'd second bill, I called to see if I met requirements & when was I getting XXXX Starpoints. Rep said my card was n't eligible for points. At this point, I spent over {$4000.00}. 
In my opinion, they mislead the program especially after approving my application. They never called me about not giving points or the CC I was using being ineligible. I was approved & after meeting the requirements for spending money I should be given my XXXX points. Switching my card w/o telling me should be some sort of violation i.e. fraud. 
The Financial organization handling the transaction was AMEX
I have been trying to get the loans from XXXX college discharged due to the school being closed. I filed a complaint with the Department of Education for the federal loans obtained from this school and it is still being processed. The school closed on XX/XX/2015. I have spoken to Navient on at least two separate occasions approximately four to five months ago about the loans from this school being a financial hardship and the degree is invalid, as I have attempted to transfer credits prior to the closure of the school and was unsuccessful on multiple attempts.Due to the fact that the degree is not valid and the transcripts are not valid also due the closure of the school, I am asking that you please consider why the debt for these loans should have to repaid since they are useless. Education should offer a return on your investment and in this case it has failed miserably to do so. People further their education in order to gain some use out of it, usually  employment or some type of advancement in their career and it is sad when all it does is accumulate debt for the individual.
I had disbelief when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
This is in reference to a previous complaint # XXXX. Wells Fargo did not answer this complaint correctly. I made the payment on the XX/XX/XXXX on line. It said payment was due by XX/XX/XXXX. According to them, the billing cycle was not completed even though the payment said " due ''. They said I was late making the payment. I was not. The website said it was due. I made the payment. I called Wells Fargo two days ago and they still have not returned my call. There is a website problem and they have yet to address it.
The terms of the loan modification that Ocwen Loan Servicing had done for us was really terrible and unjust. As you will in the mortgage statement attached to my complaint. I have a deferred principal of {$220000.00} and a regular principal of XXXX. I gave an interest of 2 % only on regular principal XXXX that will expire on XXXX XXXX, 2017. My payment is based only my regular principal of XXXX. I have a XXXX on the same property with XXXX with a balance of {$55000.00}. This is really deceptive what they did to me. I accepted it back the because otherwise, I would my house. Based on the underwater status of our mortgage, reducing the principal amount of our loan is the fairest way to reduce payments. If necessary, we can look at a combination of reducing the principal and adjusting the interest rate or length of the loan to facilitate reduced payments which is our immediate goal. This option allows us to work together and stay in our home for years to come while avoiding the time and expense of a foreclosure lawsuit for the bank with little or nothing to gain. The appraised value of the property is {$160000.00}.
I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from XXXX, XXXX, and Equifax. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two different checking accounts that I also had with XXXX XXXX XXXX   and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.