WillisBack/dataset-financial-user-claim huggingface dataset:
In the case of XXXX different credit card companies, I paid off my entire balance in XXXX 2016 and yet got charged finance charges/interest for this month, XXXX 2016. I called both Capital One and XXXX XXXX and was told, " interest charges accrue daily, were n't reflected in your balance due, so you still owe these fees. '' I paid them each around {$10.00} " interest '' but I do n't understand, how can one pay on time, pay off the entire balance and still get charged interest while having a zero balance? In the past, after I paid off the balance of a credit card, that was the end of any charges.
we are behind on our mortgage payment and we are trying to keep the loan from going in Foreclosure. the bank says there is a Breach letter that expires on XXXX XXXX today XXXX i tried to make at least XXXX payment to keep the loan from going to fcl. they are not allowing me to make a payment even before Breach letter is expired. they are clearly in trying to take my house by not accepting any payments. we dont have {$7000.00} to bring the acoount current right now. but we can make XXXX payment.
After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 
Account in question : University XXXX ( 7 years old from what experians reporting is ) ( this dirty university will not respond to me ... how is this allowed when bureaus claim they talked to them )
XXXX XXXX XXXX is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance and a balance owing and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account. Instead of updating the account with " included in bankrupty, closed, { {$0.00} } balance '', they sent the account to collections. The collections comp any XXXX XXXX XXXX has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted XXXX asking them to re move the account and they said they will not. The account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.
A Bank of America employe stole my money. I had a XXXX in there. I have been calling for 4 1/2 years and nothing is getting done. They closed my account without my permission. I want my money bank and want to file a law suit.
I have tried to get this state tax lien removed from my credit profile but the credit agency does not want to remove it. Therefore, I request the assistance of the Consumer Financial Protection Bureau to help resolve this issue as it has hurt my ability to obtain credit.
XXXX keeps charging me amount of money that was already paid for and recieved letters of accounts already paid in full. and just recently they issued another bank garnishment
On  XXXX   XXXX , I wrote t o Ford Motor (  with a copy to  XXXX   )  a second time to have them report my loan information to    XXXX  . They have been reporting to both   XXXX   and  XXXX . This is positive information which would help to increase my   XXXX    score if it were to be reported.     Neither Ford nor  XXXX  ever responded to my dispute and now  XXXX  months later, the problem still exists. I am shortly applying for a large commercial loan and my terms will be negatively impacted if my  XXXX  score remains significantly below my  XXXX  scores from  XXXX  and  XXXX .
On XX/XX/XXXX we put a stop payment on all transactions from XXXX XXXX. We then have our stop payment request refunded back to us on XX/XX/XXXX to then allow a check from XXXX XXXX for {$340.00} to go through putting our account into the negative big time. We never even were notified they were taking the stop payment off and then letting the payment from XXXX XXXX to go through. Talk about being crooked big time. this is very unacceptable.
I signed a one-year contract for gym membership in XXXX XXXX. At the time of signing, the XXXX XXXX account manager informed me that I could call prior to XXXX XXXX to avoid auto-renewal for general membership. I signed a one-year contract for training in XXXX XXXX but was never informed that the auto-renewal clause also applied to my training contract, which was signed separately. 
In XXXX XXXX, I moved outside of the contractual XXXX mile range. I called the gym in XXXX to cancel early, according to the out-of-range clause. I was told that I needed to send a notarized copy of new lease, via certified mail, to prove that I had moved. In the same XXXX phone call, I communicated to the XXXX XXXX Gym Manager that I wanted to cancel my contract at the end of the agreed 12 month term. I was told that a note would be added to my account and that my account would not auto-renew in XXXX. 

I noticed at the end of XXXX that I was still being charged. So, I called XXXX XXXX Golds Gym to request refunds of the unauthorized charges in XXXX XXXX - XXXX XXXX. They claim not to have record of my conversations with associates in XXXX XXXX and I was told that no refund would be given since I had not formally canceled. 

In XXXX XXXX, I was directed to ABC Financial for " formal cancellation ''. ABC Financial informed me that they are NOT able to cancel my contract because the training portion needs to be cancelled in person. Two weeks later, my work schedule permitting, I made the XXXX miles drive to the gym location to sign the training cancellation form in person. I then was able to call ABC Financial and finish cancelling my gym membership contract. 

In XXXX XXXX, I disputed the charges via XXXX Bank. Within two weeks of my claim with XXXX, the charges were investigated and permanently refunded to my account. 

At the end of XXXX XXXX XXXX, I began receiving calls for overdue account balances from XXXX separate entities. The XXXX entity identified themselves as lawyers collecting debt on behalf of XXXX XXXX. XXXX XXXX are not, however, credited lawyers in Texas ( location of original debt ). They also sent an " attorney letter '' that fails to match the amount due that was quoted over the phone. The associate at XXXX XXXX XXXX Legal threatened to " send my information to credit reporting agencies at any minute ''. He later admitted to me that they " work for '' XXXX and are not actual debt collectors or credit agencies. 

XXXX XXXX claims to represent XXXX personal training contracts although I have never seen or heard mention of their business name in any contracts I signed with XXXX. They inform me that as of XX/XX/XXXX, my account remains open ( despite having my cancellation paperwork on file now ). This firm will not acknowledge my dispute of the charges via phone or email but refuses to send to me via mail a formal invoice of the alleged charges. 

I have been putting good faith effort into avoiding auto-renewal of my contract since XXXX XXXX. Once my contract term ended, I made good faith effort to promptly cancel my contract to avoid the unfair extension of the pre-determined contract term.
Experian shows that I owe {$2600.00} to XXXX XXXX, but this debt was paid in full in XXXX of 2015.
The collection agency insists I owe a debt that is not mine. They will not comply with attempts for verification of debt.
In XX/XX/XXXX I bought my XXXX home. The mortgage was with XXXX XXXX. About a year or so later my mortgage was sold to Citimortgage. Citi immediately raised my monthly mortgage payment with no explanation. In XX/XX/XXXX I applied to modify my mortgage and was told I needed to not pay my mortgage payments for 3 months. I did as instructed. After almost 2 years of going back and forth with Citimortgage and submitting the same paperwork over and over I was forced to file bankruptcy to protect my assets. During that time the modification kicked in again. Again they took their time and requested all of the same documents again. Citi filed a Motion for Relief and my attorney agreed to an additional 6 months arrearage added in the bankruptcy. Now, Citimortgage has filed an Order to lift the stay even though the trustee has been sending the payments monthly and I am current on my mortgage. I missed a payment in XXXX and sent XXXX payments in XXXX. I feel as if I have had nothing but issues with Citimortgage. I also think they took advantage and changed my mortgage around without letting me know when they immediately increased my payments when they first got my mortgage. Any help would be appreciated.
In XX/XX/XXXX I borrowed {$50000.00} against my home which at that time was paid off. I borrowed from XXXX company who sold it to another and so on and at this time it is now with Bank of America. Even though I do n't make my payment to BOA, I pay my mortgage to a company called XXXX. In XX/XX/XXXX I got jammed up and got behind on my payment. When I finally got things squared away I called BOA and tried to resolve the problem. I told them that I would pay them {$1000.00} over my mortgage per month til it was caught up. The people that I spoke with said they could n't do that and that I had to pay it all to them at once. After that I started speaking with XXXX about the Obama Home retention program. At that time I did not have an attorney. They came up with a modified mortgage that was somewhere around {$450.00} per month and I had to pay that amount for 3 months and that was the my permanent mortgage payment. After I paid about XXXX or XXXX payments they sent me a letter and said that I did not qualify. To make a long story short I retained an attorney named XXXX XXXX from the XXXX foreclosure prevention project. After a long time we ended up in court and the judge awarded me somewhere around {$16000.00}. That was about 2 years ago. I About 2 years ago I was sending XXXX payments and they would send the checks back, saying it was n't enough. I think I have had about XXXX different modifications & gt ; what I am writing to you about is that I checked my credit the other day and I have XXXX hits against my credit and XXXX of them are from XXXX. When this whole XXXX started my credit was not that great but it was atleast close to XXXX or XXXX. As I said my lawyer and myself have been going back and forth with them for a couple years now. But they have all these hits agains my credit for either late payments or non payments. How can they put negative remarks on my credit when they will not even accept my payments???
I am a big customer at Chase, with all of my personal and business accounts at Chase. 

For some reason, one day I logged in and they said that they are shutting me down with NO EXPLANATION WHATSOEVER!! 

I attempted to get this straightened out with Chase, but all they said was that its closed and thats that. 

I know of a few people who this happened to, all within the past two months and all for no reason at all. 

I am very frustrated with Chase. 


Please help!!!!!!!!!!!
On  XXXX   XXXX ,   XXXX  , I called  XXXX   XXXX  Tech support for assistance with my PC. The call was hacked by  XXXX  Tech Support. They said  XXXX  had hired them to facilitate all tech support. I paid the {$370.00} for  a five year Plan.  When I called in a few months later, I was told that  XXXX  was out to business. I called them, several times-no success. Then I looked on line to find that the State of Washington 's Attorney General had filed a class action lawsuit for fraud. I called Bank of America. They refused to refund me ; after I showed them the lawsuit ( online/copies ). Consequently, I filed a claim the the Attorney General of Virginia. I was told by Virginia that they could not reach  XXXX . So they put the claim in a pending file. Why would a fraudulent company answer there phones?? Not likely! I had to purchase another antivirus service.     Is there any way to recover my lost funds? Here is the website :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   Please email me at :  XXXX  XXXX  XXXX
AFNI is reporting that I have a {$2900.00} collection balance with their agency. I have told them repeatedly that this is not my debt, and they have made a mistake. Furthermore, I have asked them to forward me a verification of the debt, if they had anything to prove that this belonged to me. I have made several requests for this verification of debt over the last 6 months, but I have not received anything back from AFNI. AFNI does not supply a verification of debt, despite numerous requests. Yet they continue to report their mistake on my credit report. In doing so, they are violating my rights.
XXXX XXXX XXXX XXXX report account # XXXX to Experience credit bureau as foreclosed, despite the fact that it has been never happen. The property was sold in the regular course of business, as proof to it attached 1 ) Condominium unit deed, executed by me ; 2 ) Discharge of mortgage ; 3 ) letter from XXXX XXXX XXXX XXXX XXXX, stating that account has been paid in full. I communicate with XXXX XXXX XXXX, XXXX,  requesting to clarified error and send me a letter of correction. Despite assurance to do so they neglected. I send them a letter to request set for information, however no response was follow.
On XXXX XXXX, 2016 I first became aware that me and my family have become victims of identity theft. Since then, I have pulled my credit with XXXX, Equifax and XXXX and came to realize that a plethora of accounts have been established, some of which are even still open, under a different name amongst several other contact and personal information. Apparently, my social security number and date of birth were used to open over XXXX accounts some of which have dated back over a year ago. I have since started and have subsequently almost completed this process of disputing and verifying my identity with XXXX and XXXX and have now moved on to Equifax. Also, I am unable to speak with anyone concerning my credit file as there is apparently a freeze on my file, a lot of good that did, and have found that utilizing this method to be the most efficient in trying to get my life back together. I was first made aware of this from my banking institution. As of today, my name, phone number and almost all of the accounts currently reporting on my credit file are indeed not mine.
I am requesting a copy of the letter from Amex, sent around XXXX XXXX, that offered its sincere apologies about the confusion of the payment I 'd made to account XXXX on XXXX XXXX, XXXX. 

This letter described -- in detail -- the disposition of an overpayment of over {$300.00} from the account I held in XXXX XXXX. A portion of this overpay- ment from the credit account I 'd had in XXXX XXXX was apparently applied to my account XXXX. 

And actually, according to my records from the credit report I checked in XXXX XXXX, the overpayment was a little more than {$770.00}. I am going to work with my local bank to retrieve those records from the actual credit report. 

I am requesting a copy of this letter to sort out exactly, if anything, I owe to American Express. 

I only have a credit card for account XXXX. I have never received a credit card for this " new account '' of XXXX. I would appreciate it if Amex would stop assigning new account numbers to the ones actually involved in this situation because it just confuses the situation. 

I would appreciate more sincere cooperation from American Express regarding this mess that they had a major part in creating. I did not request a refund from the credit account I had in XXXX XXXX. I requested a copy of the letter describing the disposition of the funds from that XXXX XXXX account. This letter was sent to me around XXXX XXXX, and also contained profuse apologies for the confusion about what accounts were overdue and how the XXXX/XXXX/XXXX payment had been lost. 

I need a copy of that letter. Please send it to me.
I financed a car through Westlake Financial back in XX/XX/2014 with a very high interest rate and monthly payment. I am in the process of refinancing that loan through my credit union ( XXXX XXXX XXXX XXXX XXXX  ) with a much lower interest rate and monthly payment. I have worked on my credit and paid the high car payment on time for 3 years and am now in a position to be approved for refinancing which was always my plan with this car loan. I have been calling Westlake Financial for almost 2.5 weeks and had very poor customer service and been give different information from everyone I have spoken with. I even spoke to a lead supervisor named XXXX XXXX and she was very rude and rushing me off the phone. I need a front and back COPY of the title to my car, in order for credit union to refinance. Westlake Financial is giving me the run around and saying they do not release that type of info. Basically, Westlake Financial is preventing me from refinancing my car at a lower interest rate and monthly payment by not providing my credit uinon with just a front and back COPY of the title to my car which is needed by the credit union to verify the car has no other lean holders.
I have an existing mortgage with Union Bank, when making payment in XXXX XXXX. XXXX in XXXX XXXX, Ca. in XXXX of 2017 I was approached by a bank employee XXXX XXXX ( XXXX ) who suggested that I refinance my loan and get better rate, he then proceeded to email and phone me and send me application which I eventually filled and returned with all relevant documents and tax returns. I did not pay the {$550.00} non-refundable application fee until they had all the relevant documents, at this point XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) were also emailing and collecting documentation and asking for {$550.00} application fee which I didnt want to pay until a prelimanry approval was provided. I had sent all the documents by X/X/2017 and XXXX XXXX ( who informed me he has 30+ years of brokerage experience and had looked at all the paper work regarding our financial status ) wanted to proceed with the lan application, I finally paid the {$550.00} fee on X/XX/2017 based on good-faith assumption that all was in order and that we were pre-approved, at least based on the knowledge, expertise and experience of all involved. On X/XX/2017 I was informed they docs have been submitted to underwriter, I received letters from XXXX XXXX that my refinance was denied ( although I have an existing loan with them which is in good standing and the refinance would have reduced my payments to them ) due to excessive obligations, I had a X/XX/2017 meeting with XXXX XXXX and XXXX which they asked for further financial documents to resubmit to the underwriter, and also informed me that we had $ XXXX monthly income but we needed to have $ XXXX to qualify information which was already available to him prior to collecting the {$550.00} fee ) and since then I have not heard back from XXXX XXXX despite multiple attempts with email. I met with XXXX XXXX and was told that he would be looking into the refinance and I asked to get my {$550.00} fee back given that they had all the relevant information and should not have collected the fee knowing exactly where we were with our finances.
I am a retiree on a very small pension and bank with Chase bank. There are times I will incur insufficient funds for no more than XXXX days! I notify bank online to ask them to not charge their typical {$34.00} per item fee, as I have arranged an ACH deposit that will post ASAP ( always within a day ). Sometimes they delete the fee, many other times they do not. As of today, I was charged {$100.00} for being less than XXXX hours beyond their window for the deposit. That is food and utility money for the month. I am a XXXX-year-old XXXX XXXX and can not afford to pay these outrageous fees. Please!!!! I need your help.
I have addressed this fraudulent account previously with both CFPB as well as The Lending Club, unfortunately, the complaint is closed by CFPB immediately upon receiving a response from the company regardless if the issue remains unresolved. This is not an account opened by me. The company responded in XX/XX/2017, indicating that I have not provided them with the required documentation, which is FALSE. I have been in contact with your investigators and have submitted all the information above once again on XX/XX/2017. On XX/XX/2017, I was contacted via email by Mr. XXXX XXXX, who stated he had not received the requested affidavit, I reminded Mr. XXXX that the required documents were sent to his inbox ( XXXX ) on XX/XX/2017. Mr. XXXX responded and stated that he required an incident report be filed as well, I replied informing Mr. XXXX that an incident report was not something I could furnish as per my notarized agreement with the Individual responsible, ( which I provided to the Lending Club ), in exchange for her admittance, I would not file charges. I have not heard from Mr. XXXX, nor any representative from The Lending Club since. The Lending Club has a copy of the signed agreement and all documentation, so I am unsure why they are requesting me to violate a notorized statement. 

This situation has dragged on for many years, and I am desperate to put it behind me. I am willing to work with the company, as I've always been, to come up with an agreement to resolve this issue once and for all. The entire ordeal of having someone extremely close to me cause such chaos, and turmoil in my life financially, mentally, emotionally and professionally has been tough to move past, especially with the remnants of her actions lingering on my credit report, military, and XXXX XXXX record. I ask The Lending Club to work with me to come to an agreement that is both fair and satisfactory to both, the company and myself so this situation can be put to an end once and for all. 

I look forward to hearing from representatives of your company. 

XXXX XXXX
I applied for a loan for emergency purpose and was never notified of the decision. The institution did not provide me with consumer credit review or an adverse action letter. I called the company several times only to be told that the application is still in review process.
My credit card at Costco was switched from XXXX XXXX to Citibank. I did not receive any notice in the change of credit terms. 

After the first cycle with Citibank, my minimum payment went from {$450.00}, to over {$3900.00}. I had put no additional charges on the card. Citibank explains that they require immediate payment of all sums over the credit limit ( which XXXX XXXX did not ). I have objected to the change in credit terms, within 30 days of the transition, but Citibank did not close my account or correct the required minimum payment.