WillisBack/dataset-financial-user-claim huggingface dataset:
I called my Creditor XXXX XXXX last night XXXX XXXX/XXXX/XXXX XXXX one day prior to my due date ( XXXX XXXX ) to pay  XXXX toward my balance of XXXX} The female clerk that took care of the transaction over the phone charged me the whole balance of XXXX instead of the XXXX that I had only authorized, for this reason my account was severely drained since it was a debit card transaction. 
I told her to reverse the charge immediately and She proceeded to say she could n't reverse the payment and that I needed to call my bank.I had no other option but to call my bank I called my so called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and turns out they wo n't help me either. They claim that city bank has the funds. None of these two institutions will refund my money. 
In a matter of hours my account will be negative due to previously programed payments. 
I need my funds to be returned immediately. Not in 3 to 35 business days as they said. 
XXXX has stolen XXXX from me. And I need my money returned immediately!
On Saturday XXXX XXXX, XXXX I received an email from Wells Fargo stating that my mother 's Qualified Income Trust account, for which I am the trustee, was closed with no explanation why. I had never received an email, written letter or phone call of notification that the account would be closed. In their own instruction manual that the bank gives you when opening an account, it states " Your account becomes dormant if you do not initiate an account-related activity for 12 months for a checking account ''. I was told by the banker on XXXX/XXXX/XXXX that their policy had changed a few months ago stating that an account can be closed after 2 months of inactivity, however, when I had to open a new account, and handed the same brochure, it does not reflect this change. 

I opened the account on XXXX XXXX, XXXX with a cash deposit of {$3300.00}. Subsequently, on XXXX XXXX, XXXX I made a deposit for {$2700.00}. Subsequent to that there have been direct deposits and auto debits. 
XXXX/XXXX/XXXX -Bill Pay of {$3200.00} XXXX-Direct Deposit of {$500.00} XX/XX/XXXX-Transfer from another bank of {$2700.00} XXXX/XXXX/XXXX -Auto Debit of {$3300.00} XXXX/XXXX/XXXX -Direct Deposit of {$500.00} XXXX/XXXX/XXXX -Direct Deposit of {$2700.00} XXXX/XXXX/XXXX - Auto Debit of {$50.00} XXXX/XXXX/XXXX -Auto Debit of {$3200.00} XXXX/XXXX/XXXX CLOSEOUT - NON-INTEREST BEARING {$0.00} Despite all of the above activity, including 2 teller transactions the account was unilaterally closed with no notice by Wells Fargo. By virtue of this account being closed, I, as trustee for my XXXX year old wheelchair bound mother, Wells Fargo may have allowed my mother to be put in a position of violating XXXX rules. 

I then went immediately to the branch and asked for an explanation as to why the account was closed if Wells Fargo 's written policy ( as of XXXX XXXX, XXXX ) states that checking accounts with activity will not be closed unless dormant for at least 12 months. I dealt with a private banker at Wells Fargo who informed me that he did not understand why this was closed. He then called several people on supervisory levels at Wells Fargo who could not or would not provide a logical answer why the account was closed. One statement was that it was closed because there was no direct teller transactions within 60 days. I then asked for that statement in writing and they refused to provide any written explanation for closure of this account in. As of this date, XXXX/XXXX/XXXX, pension fund checks have been initiated for direct deposit into this closed account for XXXX XXXX, XXXX. I find myself in a situation that payment will not be available in a timely fashion to my mother 's long term care facility. Wells Fargo forced me to open a new account for future transactions and stated they would " try '' to redirect the pre-initiated funds into this new account with no guarantee. 
With no written or logical explanation available, I am hard pressed to believe that this was a legitimate or even possibly a legal closing of my mother 's account by Wells Fargo.
I tried to ava il Chase Sapphire 's trip  delay benefits last year in  XXXX ,  XXXX  when my flight was delayed by more th an 24 hours. However, I have been working with them until now. Chase has outsourced this part to  XXXX  ( benefits admin company ) and the y do not let me talk to anyone in management. I have left multiple voicemails such as on  XXXX   XXXX ,  XXXX   XXXX , etc to their supervisors to inquire but no response on my case.     To explain the process in detail, I submitted the supporting claim docs in  XXXX ,  XXXX  by regular mail which was probably lost in mail. I called again in  XXXX ,  XXXX  to see the status as I never heard back. I submitted my documents again ( this time electronica lly ).    After a lot of one-way communication in  XXXX  and  XXXX  with Chase/ XXXX  my claim was denied on  XXXX   XXXX ,  XXXX  on the grounds that I submitted documents later th an 184days. I fil ed an appeal on the same date but till today there has been no resolution. When I call  Chase, who  sold me this credit card (  XXXX  $ annual fee ) they say they are not responsible for these benefits which are handled by  XXXX , and transfer my call to them. And  XXXX  does  not give me an update, they say they will contact me within 24-48hrs, if I dont get an update I should call again. This cycle has been going on for sometime, and has led me to believe that they are not intend ing to serve customers like me. I request you to look into this malpractice and get answers from them why and how they treat customer requests in such a way. Any specific timeline they should answer my request.
i had a loan mortgage for which was transferred to another lender, but prior to transfer was with XXXX XXXX XXXX XXXX. account number XXXX on XXXX of 2016 the lender is reporting a late payment on mine and my XXXX boys credit report, because they are a share holder on this house. 
so basically they are ruining and reporting inaccurate information for XXXX innocent and honest people due to their error. 
nevertheless my boys are serving this country for many years now, they are in the military and serving for 6 years now. at that time that this misinformation happened XXXX of my sons was XXXX to XXXX and we were very worried. i believe i deserve the fact to have this inaccuracy removed just for the fact that i have given my sons for this country for which i am very proud of. please i need your help to have these late removed from all of our reports. 
appreciated. i believe we do deserve after going through lifetime of worry as a military family. thank you
On XX/XX/2018, I was notified by XXXX  that a new collection was added to my credit profile by Credence Resource Management. I had no prior knowledge of this company nor had they made any attempt to contact me via phone and or mail prior to reporting this debt to XXXX. As a result of this fraudulent collection being placed on my credit profile, my credit score was decreased by over 15 points. After being made aware of this unfortunate circumstance, I placed a call to the company to inquire about the debt and why no prior contact had been made. I requested that verifiable documents proving that I am indeed the owner of this debt be sent to me immediately and requested if that was not possible for the debt to be removed. I also followed up my conversation with a letter stating what was discussed during the phone call, which was mailed to the company on XX/XX/2018. 

On XX/XX/2018, I received a letter from Credence offering a 50 % reduction from the original balance they reported to my credit profile. This letter was sent without any validation of debt, which I request and which is illegal. I'am requested assistance with having this debt removed from my credit profile with XXXX  and all other credit bureaus.
I visited XXXX # XXXX on XXXX/XXXX/15 I wrote a check lost my check a day later froze my bank account with XXXX and a few days after things had cleared I closed the bank account XXXX took my money I had earned using their reward program so I inquired why my {$29.00} had dissappeared I w as told it was for a check returned to contact a certain person I called left several messages no one responded so I was forced to file a XXXX complaint now working with someone in corporate that is taking care of the issue not even a couple of weeks later my checks are being returned from my new account I get a notice from TRS Recovery that Telecheck had blocked me from using my checks if I ever wanted to use a check again to pay {$48.00} that was for a {$23.00} check with a {$25.00} returned unprocessed check I tried to get TRS & Telecheck to remove the negative stuff from my credit while I work with XXXX but they refuse
I applied for an installment loan through Rise credit when I was in a desperate financial situation and I am unable to pay back the loan in full.
I am in the process of buying a new home. I had a foreclosure several years ago. My lender has requested a satisfaction letter from Chase Mortgage.I called them on XXXX XXXX and requested the document and was told it would take between 5 and 15 business days to get the letter. As of today ( XXXX ), I can not get that letter I need and now I ca n't get anyone to call me back. I already lost one house and had to eat the inspection fee and the appraisal fee because of this missing letter. I have a new house under contract and need them to provide the letter immediately. I am at their mercy right now and I need help.
On XX/XX/XXXX I sent a dispute letter to CITI regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXX I followed up with another dispute letter to CITI stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXX I received a letter back from CITI stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. On XX/XX/XXXX I sent another dispute letter to CITI stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for CITI to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. On XX/XX/XXXX I received a letter back from CITI stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.
I was charged overdraft fees for XXXX tranactions. Although, I had the available funds. There is a reduction balance for the XXXX transactions charges, but you do not see thats its deducted from the overall charge its show as pending status. If it showed the deduction and the overall balance amount, I wouldnt have aquired those fees once a check when through that had my balance over drawn. This is a constant issue that I have with Chase bank.
I do n't understand why banks are allowed to charge such high ATM fees, and do it on both sides. I am paying up to XXXX dollars on a transaction. This is unregulated robbery and you need to put a stop to it.
By XXXX XXXX, 2016, we had made full payment to be applied to our XXXX payment due XXXX/XXXX/2016. That money has been in the hands of LoanCare ( a subsidiary of XXXX, which is a subsidiary of XXXX XXXX, which is owned by XXXX XXXX XXXX ) since XXXX XXXX, 2016. I called LoanCare XXXX on XX/XX/XXXX and spoke with " XXXX '' XXXX XXXX. XXXX who said the XXXX money would be applied within 2-3 business days to the payment due on XX/XX/XXXX. I called two or three days later and talked with " XXXX '' Agent No. XXXX who said that the money would be applied by XX/XX/XXXX with nothing additional due for XX/XX/XXXX. On XX/XX/XXXX, not seeing that the money had been applied to the XX/XX/XXXX payment, I called and spoke with " XXXX '' Agent No. XXXX who said it would be done by XX/XX/XXXX. I asked why now it was XX/XX/XXXX and her response was she could n't speak for someone else. I responded that she had my previous calls in the call log and she agreed. I asked for her supervisor and was sent to " XXXX XXXX '' Agent No. XXXX who said it would now not be applied until XX/XX/XXXX.I said I was just told XX/XX/XXXX and he had no justification for the additional time. I asked for his boss and he called her " XXXX XXXX ''. I asked for her agent number and he said she did n't have one because she was a supervisor. I responded " Are n't you a supervisor? '' He had no answer for that. He said there was no point in talking with her because she would say the same thing. So they have had our payment since XXXX XXXX and have yet to take care of it. And spew XXXX while speaking with their client.
XXXX XXXX XXXX is illegally reporting on my credit report and pushing forward dates of last activity. ( Date of payment ) This is allowing them to keep it on my credit report when a private student loan is supposed to be removed from 7 years of last payment. This has been opened since XX/XX/1998 and needs to be removed from the credit report because it is a clear FCRA Violation.
On XXXX/XXXX/2013 XXXX mortgage had XXXX of my mortgages : XXXX for my principal residence and XXXX for an income property. XXXX took XXXX times the mortgage on my principal property and none for my income property then they said I did it. They finally verbally acknowledged they made a mistake but refused to get the money back to the income property mortgage because it would be too complicated. As a result my credit scored went from XXXX to XXXX as the new servicing company was given the income property mortgage on XXXX/XXXX/2013 XXXX portfolio Servicing Inc. No XXXX wants to take responsibility and they all refused to work together. SPS sends forclosure notices consistently. I call XXXX/months and get the run around. What can I do? 
I want XXXX to give the money back to pay the mortgage missing payment and get all the penalties off and write to the credit bureaus with SPS and remove the mistakes on my credit reports. Since then I can not apply for a loan or a credit card or increase my business by getting loans.
This is the second time that someone from XXXX has contacted my employer at home. I told them the last time that this was my employer 's home number and that it was unacceptable for them to contact him at his home. They assured me they were going to remove the number and it would n't happen again, but it has. 

How do I fix this?
Pressler & Pressler is trying to garnish my wages for a XXXX account that I do not owe. They have failed to send me any proof that I owe this debt. It not on my credit report as an original creditor, a collection account or judgment. I looked up their company and see they are collecting debt illegally. I really need your help in stoping this because I do not feel they have the right or the proper information to try and garnish my wages. First they said it was for an XXXX account then then came back and said it was for a XXXX account. I Do n't think they know what they are doing and I ca n't afford to have my wages garnished for something that I do not owe.
Hello, I am requesting that Chase 1 ). remove all credit marks from my account and update all three credit bureaus and 2 )  remove all late charges accrued on the account and 3 ) make an exception and grant me an extension for my XXXX or XXXX payment to assist me with getting my loan back on track. Here 's why : My loan payments have been running slightly behind due to being laid off of work at various times during the year. As a result my account has accrued late charges. When I call into Chase to discuss my account and make payment arrangements I am always advised of the total amount due which include late charges. On multiple occasions, the most recent being XX/XX/XXXX my wife and I called in to discuss the account. We were advised of the total amount due for two months including late charges. On this occasion and on the previous call we asked what was the total car payment due. On both occasions the representative told us an amount that included late charges. Because I was laid off I could not afford to pay the late charges and this is why we specifically asked for the amount due for the car payment. It was then that I realized that the representatives had been quoting me the total due including late charges. This is an issue for me because my payments have gone over 30 days late multiple times. One month the car payment due was approximately {$50.00}. Had I known that I would have been able to make the car payment before it went over 30 days past due. This also happened another time. I feel that Chase is misinforming me and being sly in their collection efforts. They are miscommunicating information to me and being sly in their collection efforts. As a result my payments have gone later than they should have. I am requesting that they remove all credit marks from my account. Also due to the inconvenience I would like them to waive late charges from my account. On XX/XX/XXXX or XX/XX/XXXX I spoke with supervisor XXXX XXXX and explained how his representatives had improperly informed me on multiple occasions. I explained that I could have paid the partial car payments that were due to prevent the account from going over 30 days and marking my credit. He said if I were making the payments on time per the contract I wouldnt have to rely on his representatives giving me information. He also said that the credit marks were my own fault and that because I broke my arrangement to pay my account went delinquent. My wife and I talked to him at length and he did nothing but attack us. As a result of this experience I expect Chase to compensate me and forgive all late charges on the account.
I just opened this checking account not a month ago and I just received XXXX notices that it and the associated savings account are going to be closed on XXXX/XXXX/2017 and the associated credit card has been XXXX out. I have barely gotten a chance to use this account and I do n't know why my membership is being canceled as the letter does n't state and the bank refuses to say. I have only had an overdraft using the protection because of their ridiculous hold policies and it was immediately paid. My husband 's account was closed before but I had nothing to do with that nor am I responsible for his behavior ( even though they could n't explain that either other than " unacceptable behavior '' ) and we are going through a separation so I need a separate account. I have a separate USAA membership number and I feel this is only for discriminatory reasons as they have always been rude to us because we are a XXXX couple. They have damaged my credit and if these accounts are not reinstated, I expect the hard inquiry and all traces of this credit card account to be removed from my credit report. This company now punishes relatives of USAA members they do n't like and ca n't give a reason for either.
I had an account with XXXX/XXXX. File # XXXX/ XXXX/XXXX. XXXX offered a settlement agreement for {$230.00} which I accepted. XXXX reported same as paid as agreed, XXXX balance per attached. XXXX and XXXX removed the item in it 's entirety from my credit reports. Experian refuses to show a XXXX balance or remove line item, although I have provided proof of same.
XXXX reports a past due account as follows : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$180.00} Date Updated : XX/XX/XXXX Original Amount : {$180.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX Pay Status : >In Collection< Remarks : > I have reported to XXXX that I do not recognize this firm, account, or amount at all and that it must be mistaken or fraudulen.I have never been contacted by this firm to my knowledge. XXXX has declined to take any action or even to acknowledge my dispute
Ocwen Loan Servicing failed to keep a mitigation appointment with me by phone. I made an appointment to speak with my Relationship XXXX and have waited several days to receive a call which was scheduled for today at XXXX pm. No call came. Ocwen Loan Servicing is in violation of the CFPB settlement with CFPB. Ocwen Loan Servicing has no intention to attempt to mitigate.
XXXX has reported my payment status as " Pays As Agreed ''. However, the payment history shows 4 late payments 120 days late. Because of the late payments, the mortgage is reported as a negative account, which greatly impacts my credit score. I 've tried contacting XXXX and discussed the errors on the account. No changes was made. I 've disputed the negative items on my credit report with all XXXX bureaus, and gave supporting documentation ... loan agreement paperwork, historical bank statements, payment schedule agreement, and more. No changes was made. Before I pay for a lawyer, my hope is that CFPB can put some teeth into this matter and get it resolved. This issue is on all XXXX bureaus, XXXX, XXXX, and Transunion.
Portfolio Recovery Associates, LLC buys statute barred debts and fraudulently use a newer date on credit reports. I have been receiving letters from Portfolio Recovery Associates, LLC for credit card debts that are over 10 years old and written off by original debtors.
I have been paying in the same loans since XX/XX/2011. I noticed the monthly payments are increasing yet the balance has not decreased. I have called several times and asked for options. Even when placed on auto pay. I recieve nagging calls. I have not been given any explanation as to why the balance has not decreased. The agency is not willing to work with me. Paying the loan is causing me not to be abl to meet my basic needs. I feel trapped due to the lack of cooperation.
Subject : XXXX XXXX XXXX Account : XXXX Amount : {$240.00} The collection agency has not provided proper validation of the debt. Equifax and XXXX  merely sent me printouts of the debt amount as reported by XXXX but never addressed the issue if insufficient credit validation, how the debt collector came up with the amount. The debt collector sent me mere copies of computer print outs and print outs of old statements that show different amounts, amounts much lower than what they reported I owe. I believe Ive paid all the bills I owe to the original creditor. 

How can two old statements with differing amounts with different dates from the reported first delinquency be taken as validations? Mere computer print outs nor old statement print outs are not sufficient validation. Im bringing this to your attention in the hopes we can avoid expensive litigation. I will, however, fight for my rights if need be.