WillisBack/dataset-financial-user-claim huggingface dataset:
When I was in the military and as a spouse I had a XXXX XXXX Card, and about 3 years ago i received a letter saying i needed to pay a certain amount a month. When I was able I began to make large payments through a third party debt management company. After I ceased with them I was not able to find information about this creditor anymore. The old XXXX was no longer the one who dealt with it. I would check my credit report and even consulted with my banker because I am trying to be out of debt completely. All we could see is that the XXXX account was closed. I never received any communication from this company that would have allowed me to continue paying them until my tax return was taken. I finally found out why, even though I was never notified that my tax return would be taken either. After my tax return and all the months of interest the accrued I now owe more than the original amount. 
I find it very unethical of this company to let so much interest add back up to such a high amount. 
This is a debt I would have been paying every month not to let this happen and not the interest is so high even with the monthly payments I will barely make any ground on paying this off.
I did a little research on repossession of vehicle ( automobile ) and came to the conclusion that there was NEVER a loan ... but an extension of my credit for the purchase of the automobile. Carmax took me to court and was awarded the automobiles back. General sessions court had NO jurisdiction because the amount was well over {$25000.00} dollars at that time I made the judge aware and she said she did. And identity theft. .fraud!
I have a lot of experience with promotional interest rates and leverage these when possible. Wells Fargo 's credit card statement is extremely confusing and it was unclear how much needed to be paid and when to avoid interest rate. I had XXXX different promotional balances and the " warning '' that XXXX were expiring is on page XXXX within XXXX of XXXX boxes of information in regular font and very easily missed. As soon as I noticed I was incurring interest, I called. Even with the bills in front of me and them walking me through each piece, it is confusing when you have multiple promotions. There should be something on page XXXX near where your payment information is to highlight what is needed - full payment of the promotional amounts PLUS the minimum payment. I asked for consideration for the interest that was accrued in the 45 days it took me to notice this error and was not accommodated. I have exceptional credit and this credit card and a mortgage with Wells Fargo. I have never been this confused by promotional periods and have personal policy not to incur interest outside my mortgage. It feels like Wells Fargo does this intentionally to trip up customers and get the interest payments.
METRO PUBLIC COMM SVCS has been littering my credit report with fraudulent claims of owing a debt. I 've instructed them I was the victim of identity theft & they continue to report unverified/unvalidated accounts or claim these are new accounts, reaging are violations of the FDCPA & FCRA. I would like all references of METRO PUBLIC COMM SVCS removed from all my credit reports ( yes plural ) immediately. I 'm attaching the police report again. If these accounts are not removed STAT i will be seeking legal representation for violations of the FDCPA & FCRA and seeking damages for intentional infliction of emotional & financial stress ...
I received my credit report from XXXX and my report has a company called XXXX aka XXXX I have disputed this will all XXXX credit bureau yet they are still trying to collect on this, I have never pulled any loans out with them the only student loan i had is XXXX and they are collecting from me through insurance, I 'm requesting they remove these from all three of my credit reports with XXXX, I have never signed any contract with them.
XX/XX/XXXX {$4500.00} purchase. Sears Home Improvement salesperson stated that new account was approved with 18-month finance free promotion.

I have been making monthly payments of {$260.00} to ensure that the total balance is paid off prior to the 18-month promotion expiration.

XX/XX/XXXX {$39.00} interest was charged to the account for the first time.

I have emailed and spoken by phone to approximately 10 different individuals who have not been able to assist with this matter. Either the account was established incorrectly, or the salesperson engaged in deceptive credit practices.

I have requested that the account be closed immediately, and I will pay the balance in full ( less the {$39.00} interest assessed in error ).
I went to the ATM to deposit some money and process a small withdrawal. For some reason Bank of america thought it was ok to block my card so that I was unable to use it. They provided me with a printout of the number I could call to resolve the issue. I contacted them at the number they provided XXXX at XXXX and was on hold for XXXX minutes before someone came to the phone. Then I was connected with some fraud representative that told me that I was speaking with the wrong department and that I needed to speak with someone else. She attempted to transfer me to another department and came back after XXXX minutes stating that there was a long hold time and that the reason for my block was due to them needing to verify my deposit. My CASH deposit! She then asked me if I would like to continue to hold and after waiting on hold for about XXXX minutes, she came back and told me that the other department closed at XXXX and I would have to call back on the following business day. I asked to speak with a supervisor and she got me a supervisor. The supervisor said the same thing, there was nothing she could do. So here I am with a bank account full of money, on a Sunday evening being told that I cant use my money! So my family has to suffer the rest of the evening, my XXXX year year old daughter ca n't eat because Bank Of America decided to put a hold on MY MONEY!!!! this is not right, this should never be allowed to happen! How can a bank place a block on your account without even attempting to contact the person firs or at least having the decency to keep the department open long enough to resolve the issue! I asked the supervisor XXXX XXXX ( XXXX ) to give me someone else who could fix the issue, I asked to speak with her boss and after XXXX minutes of back and forth and her telling me that there was no one else in the entire bank of america corporation with a title/pay grade above hers that she could get me to, she finally said she would transfer me to customer service. However she transferred me to a non working number. This lady should be fired she had no empathy ( sure she said i understand your frustrated ) she never even freaking apologized! Here I am with no money because they took my last bit of cash ( the {$15.00} I deposited ) but will not allow me to use my card for purchases. This should be illegal. I asked them to compensate me for the troubles they put my family through and she said they would not compensate me for anything.
My wife and I applied for a loan modification with US Bank and submitted a package to the bank as requested. However, it appears we were " dual tracked '' and a foreclosure proceeding began despite our filing for loss mitigation. A foreclosure was initiated on XX/XX/XXXX2015 despite our submission of loss mitigation paperwork and a subsequent letter for additional information with an XXXX/XXXX/2015 due date. 2 days prior to the said due date for additional information ( which was submitted on XXXX/XXXX/2015 ). A foreclosure complaint was filed.
XXXX XXXX, MN XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX I have never done any of these inquiries. I have asked that they removed them repeatedly and I am not getting anywhere
Just made a payment of {$350.00} to  XXXX  card the other day.     The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
I received, actually it was given to my son at the door, a summons from XXXX XXXX, XXXX DBA XXXX XXXX informing me that I owed a Medical bill from 2014. This medical bill was sold to them by XXXX XXXX for medical services. 

I live in Washington State, it is a non collection state and I never once was notified that this bill nor advised it was being sold to XXXX XXXX by XXXX XXXX. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. 

When I contacted XXXX XXXX after the summons, they said they have tried over the years to reach me via phone and sent a letter 6 month ago. I have no voicemails from them, and I wouldn't even think of looking at the mail as I don't do business with them nor have a contract with them. XXXX XXXX is saying I owe the bill from XXXX XXXX, plus interest, filling/ex parte plus process fee 's.
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution.XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX.
Let me just start off by saying that I have paid close to {$1000.00} in fees this year with Chase bank and I specifically have the " allow overdrafts '' " debit protection '' ( misleading name ) disabled so as to not incur overdrafts. 

On XXXX my checking account was negative from some ACH payments that cleared ( XXXX refunds ). I had to call XXXX to get funds released from a dispute and ( unlike Chase ) they were able to help me out and credit the funds ( ~ {$1000.00} ) instantly. The funds had already been refunded from my checking account, so I needed those released since I had sold an item and was being scammed and provided documentation and all that. Those were the ACH transactions mentioned above. 

I used the withdraw functionality on XXXX to withdraw enough to my Chase account so that it would be positive, I used the instant transfer to debit card ( it really is instant ) and had a decently positive account balance. 

I then transferred some money to my girlfriend using the debit card to do so, since you know I checked and had more than enough money to do so. I was also able to make a small purchase and then I went to bed. 

When I woke up, I woke up to {$100.00} in fees ( 3 separate overdraft fees for the 3 refunds that were done at THE SAME TIME ) and a negative account balance again. What. The. XXXX. How can you go to bed with a positive account balance, after using said balance, checking your account online and making sure everything is okay, and STILL be charged overdraft fees? Because you have a Chase account, and they do n't care about your positive account balance, they will find a way to make it negative and continue to XXXX you over with fees. 

I then thought, well maybe this is a mistake, and the system ordered the transactions the wrong way and I need to call them and they will help me out. I was wrong. The first account representative kept providing me useless tips that had nothing to do with this specific problem. They said, " you are at your allowed returned fee limit for the year. '' Well XXXX, because you do this every single month. They continued to be useless, and I was then transferred to a manager to file a formal complaint who proceeded to lecture me with account tips and did n't acknowledge my position here and asked me if there was anything else she could do, other than account related things, so I said no and hung up. I do n't think there 's even a complaint there internally so I 'm making one here. 

After this paycheck I will be closing my Chase account, because they 've literally done nothing but charge me fees and ignore me as a customer. It should n't even be legal to charge the fees they charge, just because they know you will have a direct deposit and they can make whatever they want on them. XXXX$34.00} fee on a {$9.00} item? Yeah, no problem. Should we batch up multiple since the transactions happened at the same time? No, charge the customer 3 separate fees because we do n't care about them. What if they call? Just tell them you ca n't fix their account, but ask if there 's anything you can do.
My original loan was with XXXX XXXX which was illegally billing me. I stopped paying because there were numerous discrepancies in the amount being billed. Despite numerous request to have my loan reviewed, the request were ignored and sent to be foreclosed upon. They started a foreclosure which I was never served the summons and complaint or sent the 90 day notice as required by XXXX laws. My loan was later sold to waterfall which has been serviced by Statebridge Company. After the transfer I tried to rectify the problems with Statebridge. Rather, Statebridge continued to harass me to hand over my home rather than work with me to bring the loan current. After the transfer Statebridge continued the illegal billing and added an additional XXXX. On numerous occasions I was told I would not be given a modification and my only option was to turn over my home XXXX. A home which has more than a couple XXXX of dollars in equity. I also communicated with Statebridge about the faulty foreclosure, yet they still tried to obtain a default foreclosure. After I filed I motion to dismiss and several court appearances, the judge reviewed the case and ordered a traverse hearing. Upon the looming of the traverse hearing they discontinued their foreclosure action. 
The foreclosure was also sent to my neighbor which is a violation of federal laws. After communicating with their attorney 's and servicers asking for proof of the amount being billed they have basically ignored my request. Statebridge sent me a letter stating they were not required to answer my qualified written request since I am in foreclosure and their attorney 's have just ignored my request for documents. They have recently ended their foreclosure case and although their order of discontinuance states that the case is discontinuing without cost, I received a statement with additional foreclosure and attorney 's fees. Statebridge, XXXX are in violation of Federal, state and City foreclosure rules. XXXX Statebridge have insisted that I hand over over my house to them for {$3000.00} rather than justify their fees.
The XXXX XXXX XXXX of XXXX keeps contacting me in regards to a {$75.00} debt I already paid to XXXX XXXX Health Center last year. After every attempt to contact me, I have informed them the debt was paid and to stop calling me. I have stated numerous times they need to update their records. I have called & informed XXXX XXXX Health Center as well. I have asked they write me a letter stating this debt was paid as an addition to this complaint. I refuse to have this affect my credit due to their incompetent work ethic.
On XX/XX/XXXX I was charged two overdraft fees. However, when i look at my account balance online and transactions, it looks like the negative balance comes on after the two fees are applied. When i spoke with them on XX/XX/XXXX, they would only reverse one of the two fees. However, it seems like they are using a deceptive practice to determine which transactions hit the account first so they can charge more fees.
XXXX XXXX has my credit report as derogatory, yet the car was paid off, the last XXXX, via chapter XXXX and I then paid the last XXXX in XXXX bulk payment. Should the report state paid in full. It looks as if it was not paid off by me. Thank you
American eagle finance in XXXX Indiana first and foremost charges to much interest plus the Manager came to my job XXXX this Co is out of hand I want them shut down I want a class action suit brought agents them They keep calling my job I 'm done please do something look on XXXX about them now they are sueing me plus finance charges.
I mailed my payment to Lakeview Loan Servicing on XX/XX/19 and as of XX/XX/19 my credit union ( XXXX XXXX XXXX XXXX ) stated the cashiers check had not been cashed. I started a " stop payment '' process with my credit union on XX/XX/19 and called Lakeview Loan Servicing again on the afternoon of XX/XX/19 and at that time the automated stated my payment was received on XX/XX/19. There are phone records of me requesting to speak with a someone who could explain why my payment was held from XX/XX/19 until XX/XX/19 ( which is the date all agents advised the payment posted to my account ) and the agent stated she would transfer me to customer service however I was transferred back into the automated system, on the second attempt I requested a supverisor and I was transferred to the survey line, on the third attempt I was transferred to another phone agent who had none of my account information. Finally, on the 4th attempt I was transferred to a supervisor who inquired about how the payment was made I did advise it was mailed and she started to explain about payment processing when paying via XXXX XXXX and mail and how that may cause a delay which meant she was not listening when I advised the payment was mailed however Lakeview 's automated system and the employees advised me the payment was received on XX/XX/19 no other source.
On XX/XX/XXXX I received a notice on my credit report that a collection had posted to my account. Very aware of my credit this was an immediate error in my mind. The debt appeared to be from XX/XX/XXXX, original creditor being an XXXX XXXX. The phone number of the credit collector was a bit cryptic - During business hours there's never a live person answering, the phone actually didn't ring, leading you to believe you may have dialed an incorrect number but seconds after you're looking at the phone to double-check the phone number you called, a broken up voicemail comes on giving you an option to only leave your name and number. ( no options to speak to someone ). I left a voicemail and asked for them to send notice of the debt in writing - I did not receive nor did I receive a call back. 

XX/XX/XXXX I filed a dispute through Experian. XX/XX/XXXX, I received a dispute notice that the creditor has validate a debt owed and the collection will remain on my account. 

I have never received any notice of this debt - yet I can't get the creditor on the phone. This is unfair to my rights. My credit score dropped 40 points with the add of a collections I can't properly dispute because I haven't seen a bill ( not from the original creditor or the collections ) My complaint is XXXX XXXX as listed on my credit report is operating under unfair practices. My rights have been violated when they placed a collections on my report damaging my credit worthiness yet they can't dignify me with an end to end conversation to give me information I need to protect my rights and my credit history. I will now go on a journey of trying to contact a company with an amateur 's business stature ( hiding behind a a voicemail system and XXXX XXXX ) while they make unfounded accusations that damage my credit worthiness until this dispute is resolved. 

XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
When trying to make a payment online via website of Freedom Mortgage there is an " error on payment. '' Valid payment information was entered and was entered before the due date. I believe Freedom Mortgage does this intentionally to take advantage of consumers and extract additional late fees from them.
XXXX XXXX, 2017 I contacted transunion and XXXX concerning accounts that should have been removed. Accounts still remain on my credit report with paid or {$0.00} balance.
A Citibank ATM destroyed a check I attempted to deposit it in. Call center workers would not assist me. They told me to speak with someone in the branch, even though all branches are closed at XXXX, when the problem happened
I attempted to update my billing address with the XXXX credit card on file in my PayPal " wallet '' earlier today ( card ending in -XXXX ). Even though I updated my mailing address with the bank that issued the credit card, the PayPal website keeps giving me an error message, " Sorry, we ca n't link your card. Please make sure you have the right billing address. '' I called PayPal customer support to rectify this problem, spoke to XXXX people, first XXXX, then XXXX, and XXXX these unfortunate people just refused to fix the problem. If they do n't update my correct address on my credit card on file, it will doubtless cause problems when I go to purchase something through PayPal with that card. XXXX 's employee number is XXXX ; she is a supervisor. XXXX refused to give me his employee number.
I signed up for a checking account promotional offer with Citibank to earn XXXX XXXX XXXX miles after meeting certain criteria. I was told these points would post to my account at the end of my XX/XX/XXXX statement cycle ; they did not. I 've contacted Citibank on multiple occasions with confirmation that the points would be posted within 5-7 business days. My first call was XX/XX/XXXX -- they asked for my AAdvantage account number, and I have provided it to them multiple times ; it has now been approximately one month. I am frustrated that I met the specified criteria, and I have been paying my monthly fees for the checking account, but Citibank has not honored their word by way of applying their promised XXXX XXXX points to my account like they have told me they would multiple times.
XXXX   XXXX   XXXX   XXXX   XXXX  represen ts EMC MORTGAG E  XXXX  both are third party d ebt collectors hav e filed a foreclosure action against my property. I have sent several notices to see attached notices. They have failed to meet the requirements of the Fair Debt collection act.  XXXX   XXXX   XXXX   XXXX   XXXX  have completely responded with the required information that was outlined in my Debt Collection letter. I have since filed suit against  EMC MOR TGAGE  XXXX , now  XXXX   XXXX   XXXX   XXXX   XXXX  is pursuing this same debt represent another Entity while the above-mentioned Foreclosure action is still pending in cour t. EMC MORT GAGE  XXXX  sold the right to the Mortgage in  XXXX   2017,  while they had a foreclosure action against me and failed to answer the debt validation letter. Currently, there is pending Lawsuit i n District Court, that  I have filed agains t EMC M ORTGAGE  XXXX  and Servicer  XXXX   XXXX   XXXX   XXXX .
The Bank M & T has cheated me out of a {$250.00} bonus offer as advertised on line. I opened a checking account and setup a direct deposit as required. The balance in the account is now over {$6000.00}! When I inquired as to when the bonus would be paid was told I am not eligible. Now they are telling me the wrong account was opened. I applied for the bank 's EZ Choice checking account.
The bank opened a Classic Checking Account with interest account.
Now, they tell me the bonus offer WILL NOT be paid. Instead, they paid me an interest payment of just {$0.00}!