WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Discover credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of  XXXX ,   XXXX   or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online the week pf  XXXX   XXXX  to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of Discover and told to contact them at  XXXX , but also told they were closed at   XXXX   cst ( it was  XXXX  cst when I first called Discover  ) . Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called  XXXX   XXXX  - a firm neither my father or I had ever heard of before. I mentioned this name and number to the  Discover  rep and they were n't aware of the cos or if the management of my account has been transferred from  Discover  to  XXXX .     I submitted a complaint to the CFPB ( complaint #  XXXX  ) and requested a cease and desist all calls to me or to my father by  XXXX   XXXX  or any authorized agent of  Discover  UNTIL I get a satisfactory resolution as to the following :  1  ) status of account ;  2  ) access to my account online ;  3  ) explanation why my account was charged off when I had set up an agreed upon payment plan online as requested numerous times by Discover.     I received a response from  XXXX , but never from  Discover  Card. Today  XXXX   XXXX ,   XXXX  , I received in the mail a notice from   XXXX   XXXX   XXXX   that they are representing Discover Card and indicated in that letter that I had requested no further communication from  Discover  Card. As indicated in my complaint  XXXX , I requested no communication until  3  resolutions were satisfied. Obviously,  Discover Card  misinterpreted my instructions.
XXXX used inadequate security countermeasures to protect my most sensitive personal information. As a result of their lackadaisical attitude to online security, my most secure personal information has been compromised. 

Now I must pay to put a credit freeze on my account -- this is unacceptable. Almost half the citizens of the United States have had their most sensitive information compromised. 

This is a clear example of the need for more government safeguards on Equifax and other financial reporting agencies. They have collected my personal information without my consent, safeguarded it improperly, compromised and distributed all my information, and now are attempting to profit off their own failings. 

This is as wrong as it gets.
I have a Chase credit card with a few zero percent balances on it. They have not been crediting my payments to the balance with the soonest end date for the zero percent offer. On inquiring with them, I discovered that their policy is to credit payments to the balance ending first until the soonest ending balance is withing 60 days of ending. I believe that the balance ending soonest should be treated as the highest interest balance and be credited first. Their policy is in no way clearly stated.
My loan was transferred to caliber loan company in XX/2015 at the point I was behind on my mortgage. I was offered a modification and the only option given was an interest only modification for 5 years I sign the documents under duress because I feared being homeless with my XXXX children. the company increases my interest from 3.75 % to 4.625 % for 5 years with all amounts going to interest and escrow my loans has been converted from fha to a conventional loan with a balloon payment of over 30k due before the end of my mortgage ends. I have reached out asking why was this options offered to me and I have been told that it was the only option the investors felt makes sense and to also look at this agreement as a payday loan. Unfortunately I now owe more than my original mortgage and the amount has not decreased even though I have made payments for the last two years after 5 years my payments will go back to the original amount and I will still not be able to afford it and fear going back into Forclosure. I believe I have been taken advantage of by this company, hopeless in ny.
I filed bankruptcy back in 2013 and the check system is showing that I owe on some checks that were taken care of in my bankruptcy
I originally borrowed {$51000.00} in XXXX and have been making payments since. In XXXX Navient capitalized {$24000.00}, which is 48 % of the borrowed amount and I have n't received a reason why such a high percentage was capitalized. Through XXXX/XXXX/XXXX there was {$24000.00} of capitalized interest and the {$24000.00} + the {$51000.00} = {$75000.00} so I 'm not sure why there was a consolidation payment of {$91000.00}. My new balance is not more than doubled of what I originally borrowed and there have been payments throughout. I believe the capitalized interest total is wrong, the consolidation payment total is wrong and my current balance is wrong. I have been trying to get a breakout or a walkthrough that shows all debits and credits and I have n't been able to get that from Navient. 

I 'm being billed more than twice what I owe and I do n't want to default of hurt my credit but I do n't know what else to do if I ca n't get a corrected balance. I also never approved the consolidation in XXXX I was looking to see if it would be beneficial for me to do so and the loan was consolidated without my approval. I need to get resolution to all of these matters before this situation gets out of hand and the amount owed doubles again. It seems like Navient wants me to pay upwards of $ XXXX when it is all said and done on a loan that was originally $ XXXX I do n't see how this is even legal. 

Thanks
XXXX XXXX Online payment system is very cumbersome and not intuitive. This has led to 30day late payment reported to the credit agencies.
I am a divorced mother to XXXX wonderful children. My ex-husband is a Veteran. In XX/XX/XXXX, we purchased a home using his VA entitlement. In XX/XX/XXXX we had to modify the mortgage after I was placed on XXXX due to a XXXX and was unable to work. We were able to afford the payments after the modification. However we separated in XX/XX/XXXX and he agreed to maintain the payments for the marital home. I maintained the payments for the condo where the children and I are currently living. During divorce proceedings in XX/XX/XXXX, I was advised the property was in default due to nonpayment of mortgage note since XX/XX/XXXX. He was subsequently awarded the home and I was awarded the condo. He was awarded sole liability and responsibility for the marital home from XX/XX/XXXX onward. A Quit claim was filed to him. He was to remove me from all liability associated with the property. He has not done so. I contacted the mortgage company, Planet Home Lending , LLC. The Loss Mitigation specialist advised that " there is nothing we can do for you. You will need to pay the outstanding back mortgage and he would have to refi, modify the loan or sell the property thereby removing your name. '' I advised her that his VA entitlement guarantees the loan in case of default. I was again advised that I will continue to have negative the reporting on my credit associated with the property because I am listed as a co-borrower on the loan. I advised her that the unfair negative reporting practices of Planet Home Lending , LLC. is causing me severe credit casualty. I 'm asking for any relief because the VA has already affirmed that his VA entitlement insures the mortgage against default, the home was awarded to him in the divorce, he has assumed all liability from XX/XX/XXXX to present and I have already Quit Claimed the home to him. I understand that the mortgage is still in effect until he completes the modification process. I 'm just asking for the negative reporting to the credit bureaus to stop. Please provide any assistance you can so I may also move forward and provide for my family. Thank you.
Trans-union had a glitch in their system and they did not notify me any form of contact. The credit inquires needs to be removed from my report. Also, i see several inquires on my report for a car loan. I already had a car and never applied for any car loan last year. It shows I have XXXX inquires from a car application. Please advise.
Thanks
Explanation of complaint : These people are calling and threatening to send police out to my house to arrest me, The have called my husband with same threat and called our son to tell him his dad was going to get arrested too. They call from XXXX, XXXX, XXXX. My family is afraid and need this to stop. Please help.
The credit bureaus ... XXXX, Transunion, XXXX have not updated my report to Chapter XXXX bankruptcy discharge from XX/XX/XXXX. 
I'm trying to rebuild my credit after fallen on hard times. I've been XXXX since XX/XX/XXXX from an accident and would like them to acknowledge my recent closure.
Hello : I have been given several forbearance and deferments instead of help by XXXX XXXX to get a affordable payment. Now they say I have run out of deferments and qualify for no repayment plan. I notified them I needed help right now because I am in process of purchasing home in program. i can get through with no one on phone like when they used to call for deferments and delaying my payments. They have taking my credit score down 77 points, I am a XXXX XXXX XXXX for 20 years in a XXXX XXXX XXXX. I have been trying to get help with forgiveness but they are continuously charging me and affecting my score and are unreachable on the phone. It unbelievable how XXXX XXXX is taking pride in destroying my credit. I asked them a month ago to take these late payments that they posted right after my forbearance ended. Every month they make my score go lower, This is terrible ... i am a single mother who XXXX and was in the process of purchasing a home for me and my children ... 

Thank you for your help in this matter
In XXXX, I sent in a complaint against Transunion. On XXXX ; I receive a score that has low my credit score. They are saying that the 5 late payment is what is doing it. That is wrong because I was caught up in XXXX and current now for the last four month. My Redin score has been going up send XXXX and now they are saying it doing down due to that. I feel that I am been retaliate cause of my complain in XXXX with theXXXX How can I be going up and now Down for something that happen four month ago. I am current with XXXX and has the receipt to show itLook into them you been over 30 late in giving me an response to file # XXXX investigate plus my update was not suppose to have been until XXXX. Why the XXXX. Secondly, I want all of the there are three closed account that need to be take off XXXX and XXXX it been over 10 years. XXXX need to Showa balance of XXXX paid it off on XXXX. Fact they are 30 Days overupdate me on my complaint.
I recently pulled my credit report and discovered a collection account listed as XXXX XXXX in which I have never had an account.Furthermore, I do not have any collection accounts for any company. I do not have outstanding balances either. This erroneous information is preventing me from obtaining a home loan and I'd like it removed at once.
I received a voicemail that I needed to call about a problem with my American Express card. I called back, gave them my name, account number, social security number, etc and they told me that they were reducing my credit from $ XXXX to $ XXXX because XXXX had sent them a letter saying that my credit score was XXXX and I had serious delinquent accounts. I immediately thought this was a scam because my bank had just sent me my credit score three days before and it was XXXX. I rushed home to get my card so I could call the number on the back and tell American Express that I had just given my card number and all identifying info to someone and that I needed to close the account to prevent those people from using my credit. American Express said that it was them who I had been speaking to earlier and the information about my credit that I received was correct. So, I called XXXX. They pulled up my credit and said my score was XXXX and I didn't have any delinquent accounts or carry any balances on anything but my mortgage. They said that they couldn't call American Express but I could have American Express call them. Well, American Express can't call them nor can they pull my credit report even after I give them permission on a recorded line. So, I faxed in my credit report to American Express at a cost of {$32.00}, but American Express says they never received it although I have a successful transmission report. I can't submit a dispute with American Express because I don't have a charge that I am disputing. I have spent HOURS trying to talk to someone who would listen to what happen to do what was necessary to fix their error, but there doesn't seem to be anyone at American Express that cares. To be fair, maybe the error was with XXXX  but they say they didn't send a letter, so I don't know what to do. I feel pretty certain at this point that no one is trying to steal my identity because I pulled my credit report from all three credit reporting agencies and my scores at XXXX, XXXX and XXXX. I just want the error fixed and off my American Express record. Is there any way that you could help?
On XXXX XXXX, 2015 I wrote to Hyundai Finance at the addresses ( there are XXXX different ones ) listed on my credit reports regarding an outstanding balance of {$180.00} they were reporting. Their response dated XXXX XXXX, 2015 listed a vehicle purchased at XXXX XXXX in XXXX, XXXX Their letter, it should be noted, included no suggested method of payment and included the disclaimer that as an 'original creditor ' they are not subject to the FDCPA. I wrote back on XXXX XXXX, 2015 to explain that I had never purchased a vehicle at XXXX XXXX ( in fact had never been to XXXX, PA XXXX but that I was willing to pay the {$180.00} to get this delinquent balance off my credit reports if they would provide an invoice or some other way to pay. That letter was ignored. I sent a subsequent letter, and received in response a bill of sale from XXXX XXXX XXXX in XXXX, PA NOT XXXX XXXX of XXXX, PA. It should be noted, XXXX and XXXX are on opposite sides of Pennsylvania. It should also be noted that despite my pleas, there was nothing in the envelope but the bill of sale. There was no explanation. There was no statement of how the {$180.00} balance was determined. There was just a piece of paper that directly contradicts the previous letter from Hyundai Finance. I wrote a follow-up that was ignored. I also submitted several contact attempts through the Hyundai Finance website which were also either responded to with a generic reply or ignored. It seemed I was left with no other option but to file a complaint with the XXXX regarding this matter. I did so on XXXX XXXX, 2015. Subsequently, I was contacted by XXXX XXXX of Hyundai Capital. XXXX XXXX, however, would only agree to speak to me on the telephone, even citing a 'company policy ' to 'not communicate an ongoing conversation by email '. I responded to XXXX XXXX to explain that any verbal explanation over the phone, or any discussion of a settlement to this dispute, would need to be IN WRITING, so could he please advise if he is willing to put any documentation and/or promises in writing? I received no further response from him. Hyundai responded to my XXXX complaint by suggesting I file a fraud complaint if I do not feel I actually purchased the vehicle in question. A follow-up to that complaint received the same response, either I could file a fraud complaint OR I could take this matter up with the CFPB. So here we are. 

I will NOT file a fraud complaint as having such notations in a credit bureau file can lead to adverse action on other positive accounts as well as can impair the ability to acquire new credit. There is no valid reason I should have to suffer further damage to my credit due to the inability of Hyundai Finance to resolve this matter. Additionally, I simply wanted an explanation of how this {$180.00} balance was determined and a way to pay it if it is valid. There was no thought nor accusation of fraud until Hyundai Finance sent me a letter stating the vehicle in question was purchased at a dealer I had never been to in a city nowhere near my home. THEY are the ones with conflicting information, not ME.
Wells Fargo has, on multiple occasions, debited my business checking and business savings account {$3.00} for viewing an image of a deposited check online. This is a feature on their website that is offered without any mention of a fee being incurred when you click on the link to view the image. I can look at check images for free in my personal checking account, but not on the business account. 

This strikes me as a penny ante way for Wells Fargo to dip into their customers accounts without expressed permission, at a low enough fee that it will go unnoticed by most. But today it got worse. I found the charge for viewing a check image on my business savings account. I have n't deposited a check into my savings account in over 6 months ( I typically make all deposit into checking, then transfer funds to savings ). It 's not even a possibility that I would have viewed a check image in my savings account last month, but they withdrew a fee from it anyway. 

I think its a sad state of affairs when a bank tricks its clients into incurring fees online without any sort of warning. I find it ridiculous that I should have to comb through my statement each month to see if my own bank dinged me with a ridiculous penny ante scheme.
To The CFPB, Paypal illegally took back and placed on " hold '' a payment made by XXXX " XXXX ''. This is the second time she 's filed false claims about me to PayPal. I have provide full irrefutable proof that " XXXX '' is lying and PayPal continues to keep my money on " hold ''. This letter I 'm providing to the CFPB explains this situation in detail. Paypal should be held responsbile for this action and liable for any charges I incur for their stealing this money from me and placing it on " hold ''. 

Paypal You ca n't " hold '' my account based on XXXX 's false claims. You records will show that this is the 2nd time she ordered services and then demanded a refund after receiving the services. The last time she did this I refunded to her. She sent the money back to me and then contacted Paypal telling them that I did n't send the money. Your records will show that I did send her that money. I sent that money the last time because I was recovering from an auto accident and could n't help her. 

Now let 's talk about this present complaint which is the 2nd time XXXX has fabricated false claims against me. In this case she willfully chose a 3 services discounted offer where she has received 90 % of that offer. There 's no way she can hold the amount she paid as she 's already received the services. All that was left was the phone consultation which I offered this Wednesday.XXXX was angry that the XXXX XXXX advised her to be patient and work on herself before considering dating. XXXX also got mad at this and attempted to cancel this offer which ca n't be done. I told XXXX that I am available for the final {$10.00} ( not {$15.00} as she paid {$10.00} ( discount ) for the Phone consultation ). She did not pay {$15.00} and can not demand {$15.00} as she 's demanding. 

This is an XXXX XXXX service. Everyone knows that. It 's XXXX who gave the questions. I just read what the cards say. Everyone knows this. XXXX did not like the answers the XXXX gave. Her XXXX XXXX took me about 4 hours to do. With in 20 minutes of receiving her XXXX XXXX ( which takes at least XXXX to listen to and more hours to obey what the chart tells a person to do in their life ) XXXX was complaining. 

The work has already been done. She ca n't order the work, receive the work and then damage my income or my name with totally false claims. The only fee left is {$10.00} ( phone consultation ) not. XXXX  didnot pay {$15.00} for this phone consultation. She paid the discounted fee of " {$10.00} ''. I told her this is available whenever she 's ready. I did nothing wrong and am entitled to the full {$40.00} minus the PayPal fee.
I do n't understand how my bank calculates low-balances. In XX/XX/XXXX, Commerce Bank in XXXX, Kansas took a third of my paycheck based upon " low balance. '' They do this every couple of months or so. This last time they charged me XXXX separate fees of {$36.00} each for a " low-balance ''. My balance never went below XXXX, and when I went back through the account to try to understand their math. I noticed that the " payable balance '' on any given date sometimes had holds based upon transactions that actually occurred one or more days AFTER the transaction that generated the running balance. I also noticed that some transactions that were shown as " holds '' never got paid. For example, there was a transaction for {$8.00} that appeared on a list of holds that was used by the bank to lower my payable balance and levy overdraft fees, but that amount never ended up coming out of my account. It just disappeared.When I tried to go back and find these items later, they had disappeared or the dates made sense. But I KNEW I had not imagined it. This month I have been keeping an eye out and I today I see an example. This XXXX is for XXXX. I got paid on XX/XX/XXXX. They always do this just before I 'm about to get paid. I 've attached XXXX files. XXXX shows a Running Balance for XXXX and XXXX shows the Payable Balance for XX/XX/2017 that you can get to by clicking on that Running Balance. The running balance for XX/XX/2017 shows XXXX holds. XXXX of holds is for {$6.00} and shows a transaction date of XX/XX/2017 but the actual transaction did not occur until the next day, XX/XX/XXXX. On the holds page the transaction date is shown as XX/XX/XXXX, but did not actually occur until XX/XX/XXXX. Can someone explain why it is dated XX/XX/XXXX on the payable balance page? What does the transaction date refer to in this context? Clearly it does not mean the date that the held transaction took place. Can someone explain to me what is going on here? How is it legal for the bank to jump forward and backward in time this way? And what about transactions that lower my payable balance such that I have to pay a fee, but then the transactions never actually get paid? Why do some transactions just disappear? I just want to understand the math here. Remember -- they are doing this to me without my bank balance ever going below XXXX. Without a better understanding I ca n't see how I can use this banks debit card, and without the debit card, why use this bank at all?