WillisBack/dataset-financial-user-claim huggingface dataset:
Today XX/XX/2018, I had a total of {$120.00} in my checking account. Now I checked my account and Wells Fargo has slapped me with a {$75.00} over draft fee. They said I sent money to my son via XXXX. Help me understand if my account had no money how can I transfers XXXX to my son XXXX account, this XXXX doesnt add up. Over the weekend I deposited {$350.00} into my account and now Wells Fargo wants to charge me over draft fees, I spoke to a few customers to reimburse me but they all had different stories. I have call in the pass to not let let transaction go through if I dont have enough money but Wells Fargo fails to to protect my account but instead they steal me by charging me and I am so tired of it, that I will bring this matter to my lawyer and we will see them in court. I would appreciate it if they reimburse me that {$75.00} back to my account because I dont just sit on my XXXX and receives money, I work really hard for XXXX to rob me. I am utterly disgusted at how they steal and rob poor people like me. I will post this comment on XXXX so it can go viral and my statement. I am done playing games with Wells Fargo. 
I would like my refund of {$75.00}. Thanks you
I was laid off and I tried to contact Lending Club by phone but could never reach them I email them and they never responded. Then collection companies started calling me at all times of the day and night they kept asking for my personal information and I never heard of these companies. I have sent them some funds and emailed lending club too see if they could reduce loan. Lending club never responds. I have not received any mail only phone calls from companies that want my personal information.
Union Home Mortgage Corp Office In OHIO The branch of the institution that I send my payments to DOES NOT KNOW HOW TO ADD ADDITIONAL PRINCIPAL to my payments. 
XX/XX/XXXX {$650.00} paid, only the mortgage amount was applied XX/XX/XXXX {$650.00} XXXX paid only the mortgage amount was applied XX/XX/XXXX {$650.00} paid only the mortgage amount was applied Mortgage amount was {$420.00} something. 
WHERE is the rest of the money??? 

XX/XX/XXXX # XXXX {$1400.00} DESIGNATED,, '' PRINCIPAL '' ONLY PART WAS APPLIED TO PRINCIPAL
I received a debt collection notice from Midland, a subsidiary of Encore from its attorney, XXXX XXXX XXXX. I requested the following : Explain and show me how you calculated the entire amount of what you say I owe ; Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; If you purchased this alleged account, identify the SELLER you purchased it from and ALL PREVIOUS OWNERS. Provide me with ANY documentation which establishes your legal standing to collect anything from me. I was not provided with what was purchased, how the balance was calculated, what interest rate was used, etc. in violation of the Consent Decree that was entered into by Encore and the Consumer Financial Protection Bureau. I do n't know how these companies continue to conduct business by violating consumer protection laws.
I attempted to use XXXX Gift Cards : ( XXXX ) XXXX ( 2 ) XXXX XXXX 3 XXXX XXXX valued at {$500.00}, {$500.00}, and {$42.00} remaining from a {$200.00} gift card at a XXXX on XXXX XXXX, 2016 ( Ref # 's XXXX ). All XXXX rang up as unauthorized. I was told it was a glitch in the system and that the money should have still been left on the cards. I then called the number on the back of the card and was told that the cards had been charged by XXXX when in reality they all XXXX came up as unauthorized and not used. I was told to fill out a form and wait XXXX to 90 days. I ca n't wait XXXX to 90 days to have {$1000.00} be placed back on the cards. This was not my fault and I would like immediate action in having this cards replaced or the money being placed back on them. These cards are backed by XXXX and distributed by Gift Card Mall/Blackhawk Network California
Equifax has allowed XXXX XXXX to reinsert a debt I do not owe on my credit report twice. XXXX XXXX has not presented a signed contract or affidavit from XXXX substantiating their erroneous collection. I have previously contacted XXXX regarding the original account that was paid, closed, and equipment returned. I closed my account not owing anything to XXXX. I never received the reimbursement customers were to receive even though I filled out the necessary. I never received notifications from Equifax or XXXX before reinserting this info for the third time to my credit report.
Contacted VW immediately after they gave me this loan. Letting them know, in the future I would be unable to make these payments. I called them again on XX/XX/2019 and the agent lied to me and said there was nothing they could do to restructure my loan. In fact, they have lied almost the entire year I've had the loan about this " fact. '' XXXX XXXX called me back after I hung up out of frustration and was abrasive on the phone, and continued to perpetuate the lie. I heard loud cackling and hysterical laughing in the background. Clearly I was the XXXX of their awful joke. 

I was put into an unaffordable loan, from day 1 with no regard for my budget or ability to pay the loan on a fixed income. All of these were disclosed when I made the purchase. 

I need to restructure my loan so that I can keep my car. Which I'm living in with my cats. I have appealed to VW Credit on multiple occasions. They know my situation and could not care less. I'm in jeopardy of losing my vehicle, which is also my home, due to the predatory lending practices involved.
I 've had a mortgage with Washington Mutual, which was taken over by Chase, for almost 20 years. I 've never missed a payment, and always paid on time. I 've also always paid my property taxes to my town. There has never been a problem. A few months ago, Chase contacted me and told me I owed my town about {$4.00} in overdue property taxes. I called my town and they told me I did not owe this amount. I also could not believe that given my perfect track record that Chase would even be doing this. I called Chase and told them I checked with the town and I did not owe the approximately {$4.00}. I still do n't understand why Chase would be doing this. In the last month, I learned that Chase was starting to pay my property taxes, even though I had paid them and they were up to date. I know that when I pay my property taxes, they go to an out of town company, so it can take several weeks for them to show up in my Town 's records, but that system is up to my town, I have nothing to do with it. On XXXX XXXX, 2017 Chase sent me a letter saying prior correspondence had been in ( their ) error, but I do n't know what that error was. Then they sent me a statement saying " escrow shortage '' was {$2900.00}, but I 've never had an escrow, then I called Chase automated line and they had a much lower figure for the alleged " escrow shortage. '' This is because my property taxes are all paid up and current, as I 've always taken care of them without problem. I am quite angry at Chase about this.
I believe I have been a victim of identity theft and I attempted to dispute this information with the  XXXX  credit bureau. The items I have disputed do not relate to any transactions that I made or authorized. Pursuant of the FCRA and the FDCPA, I now exercise my lawful right to question the validity of these debts your agency claims I owe. I understand the collection agency is suppose to suspend all collection activity until they provide me with some info abut this debt. Through my dispute with   XXXX   they claimed this account was proven as valid and remain on my credit report without providing me with any information about the debt such as an original bill or something with my unique signature on it. I dont believe   XXXX   is truly investigating these disputes and are playing with consumers ability to obtain credit. I am just now realizing the importance of credit which is why I am just now going over my credit report and for these companies to play with consumers livelihood like they are doing is just not right. The information that I am concerned about is as follows ; Collection agency : Certified Bureau of So Col Original Creditor :  XXXX   XXXX    XXXX   XXXX   Opened :  XXXX   XXXX ,   XXXX   Balance : {$230.00} Collection Agency : Certified Bureau of So Col Original Creditor :  XXXX   XXXX   XXXX   XXXX   XXXX  e Opened :  XXXX   XXXX ,   XXXX   Balance : {$83.00}
I was improperly charged overdraft fees {$36.00} on my bank checking account on XX/XX/2017.
In XXXX XXXX I started the process of a loan modification. I was assigned a Case Mgr to ensure that all documents were signed and received in a timely manner. In XXXX XXXX, I was advised that the modification was declined and they stated that " They could not prove my residency ''. I was very confused as to why they declined for the reason, so I sent a letter providing proof of my residency, 6 months of bank statements etc. So the process for the loan modification started over again or so I thought. Bank Of America has stopped responding to me, I 've submitted letters ( I have proof of the letter ) and I have also contacted the investor HUD to ask for assistance. We are not getting anywhere at all. I really need HELP. My husband is a XXXX American Veteran we really need help. Bank of America 's connection history is not great .. I really need help. Apparently Bank Of America realized that bank in XXXX they made an error in recording my previous modification with my county recorders office and Bank of America has placed a stop to my modification process because due to their error. I do n't feel its fair to me because they made a mistake.
Good morning guys, I am XXXX XXXX XXXX XXXX, I noted that my credit report through XXXX XXXX has an incorrect information. 
My mortgage account with Banco Popular of Puerto Rico still open and in good or excellent status. 
The only things is that the names in that account was changed from my Mother ( XXXX  ) and me to my only name because of donation of my sister participation. 
The account never has being closed. 
So please correct this information that affect my credit score, with Banco Popular of Puerto Rico.. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX
letter send by debt collector the age of bebt i can not be sued. I want proof of contract and validity of this debt.Verify everything that i owe this debt to you.
In 2013 I was hospitalized on an emergency basis and incurred over {$100000.00} in medical debt. At the time I was admitted, I signed XXXX financial responsibility form, and the hospital assigned me XXXX account number and billed the services on XXXX Statement. 

Thereafter they assigned the debt to CALIFORNIA XXXX XXXX for collection and they have listed the debt on my EQUIFAX report XXXX SEPARATE TIMES as XXXX SEPARATE ACCOUNTS. This is false and fraudulent.
I have a Bank of America Visa Platinum Plus card. I called and told them my son was in the hospital and I forgot to make my payment, I was one day late and turned my interest rate into 29.99 % I told them the circumstances and they will not make an exception I am single struggling mother and my son was sick. I have not been late one time ever. My promotional balance is over in XXXX XXXX 2018 and will be 21.99 %
An address in XXXX is on my report and I have never resided nor used an address in that state! I have only resided in XXXX XXXX and XXXX since I was XXXX!
I 've been with NetSpend, a XXXX entity since 2005. On XXXX, I contacted the bank to let them know that someone actually may have stolen my card number as my card was used XXXX when I clearly live XXXX. Customer asked that I provide them with a confirmation email about the dispute in which I sent from my personal email address and within the banks, website. I received word of my submission and they asked that I give them 14 days. On the XXXX day, I called after received notice that I did not provide documentation. They stated that they wanted me to send again, which I did while on hold along with their receipt however I asked to speak with a supervisor XXXX and was on hold for almost 2 hours. When the supervisor did come on to the line, she stated that she would have to call investigate the investigation department and then would get back to as she did not show any documentations from XXXX nor fron when I was on the phone today. I simply want my money back when its clear that I did n't do this. I have since destroyed the card and had to wait a week for a new card. Now, as of today, they are stating that the investigation will not be completed until XXXX XXXX. I do not think is is acceptable when I provided everything that they needed on the same day. If your bureau can be of any help or better yet, just get the word out that this is happening at this company, I would appreciate it. 
Sincerely, XXXX XXXX
At issue is this CREDITOR COLL SVC # : XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. 

Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$510.00} Date Updated : XX/XX/XXXX Original Amount : {$410.00} Original Creditor : XXXX XXXX ( Medical/Health Care ) Past Due : > $ XXXX Pay Status : >In Collection< I have never been a patient or a responsible party of a patient of XXXX XXXX. I have called this company several times and nothing was accomplished. I have called the collection agency and nothing was accomplished. I challenged this collection and they verified as accurate an account and collection in which I have no responsibility for as I have never been a patient. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CREDITOR COLL SVC # : XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX
On XXXX XXXX, 2016, I checked my credit report and all of my inquires were deleted. I looked back on my report today and they are all back on my credit report.
Today I was at work and a person named XXXX called my job to talk to me about debt that is owed to Millennium Financial. I told her I was currently at work but she demanded that I discuss the debt immediately. I then asked for her phone number and she proceeded to give me the phone number but then demanded that I call her by Monday XXXX XXXX I thanked her for the information and she hung the phone up on me. Her tone during the call was unprofessional and did call the number back to file complaint with her company. I also asked for them to never call my job again and that she never contact me regarding this issue. Millennium Financial and a company named XXXX are attempting to collect on this same debt and I do not feel comfortable discussing it with them.
My name is XXXX XXXX. I am a current Chase customer with two chase credit cards. One is a Chase Freedom Card account ending in XXXX it was recently changed to XXXX and the other one is a XXXX Chase Card account ending in XXXX. Recently i was a victim of multiple non- authorized purchase because i never authorized any of those transactions. One account ending in XXXX had a total purchase for {$8300.00} and the other account ending in XXXX for a total amount of {$2700.00}. Recently i have disputed the both amounts with Chase and explained to them what happened and they submitted a claim on my behalf for both accounts. Time passed and i received a result for one of my disputes for account ending XXXX saying thank you for letting us know about the use of unauthorized use regarding your credit whichever transactions identified as unauthorized will be rapidly eliminated from the account. After receiving that letter for the account ending in XXXX i waited to hear a response for the other account ending in XXXX i never received anything. So yesterday i went to the bank and spoke with a teller and inquire about my dispute for the account ending in XXXX they personally told me that Chase will no longer be covering the unauthorized claim for the account ending in XXXX even though the dispute came in my favor for account ending XXXX. They have also mentioned to me that it was because they found out that all the purchases done from the dispute came from my home address and was advised to contact the CFPB to see what can be done about it. What i dont understand is if they claimed that all the unauthorized were done from my home address why would one Dispute be in my favor and the other wouldnt. In this complaint form i have also attached the result of one the outcome for account ending in XXXX
Ocwen is acting in bad faith and with gross negligence in connection with a financial matter. At issue is Ocwen 's demand through their shell company XXXX XXXX of an illegal demand for contribution in a short sale. CA law forbids junior lien holders from requiring contributions to do a short sale and worse Ocwen has a guideline of only paying 8 % for junior lien holders. In this case Ocwen is the junior lien holder. If Ocwen only pays 8 % to junior lien holders per their guideline then they should most certainly be happy to receive 8 % which is what 1st lien holder is paying Ocwen. Ocwen must accept the offer amount being paid due to 1. CA law forbiding contributions to junior lien holders and 2. Because their guidelines pay junior lien holder 8 % so demanding almost 25 % is not only ridiculous and against ethical business practices and their own stand business practices. Ocwen very well knows no junior lien holders on short sale receive 25 % pay off. Payoffs to junior lien holders in short sales are maxed at 10 % varying by lender. Ocwen only pays 8 % they can accept 8 %.
ALL The credit bureaus are refusing to provide results and remove fraudulent information from my credit report. 
Transunion has stalled on all my disputes I have sent, I have sent 3 in the last 60-90 days and they continue to ask for proof of my identity. I have sent my ID, Proofs of address & a copy of my social multiple times. I have filed previous complaints and they still ask for this info. I need the CFPB to step in and do something. I have attached ANOTHER proof of identity. 
There are items on my credit report that ARE NOT MINE!! All 3 major credit bureaus are reporting them and I have disputed them yet they stall or say they are valid. I would like to demand to know how you verified these inaccurate accounts? 
MY NAME IS COMMON AND OFTEN I GET STUFF FOR A XXXX XXXX ON MY CREDIT BUT I USE MY FULL NAME FOR ALL MY STUFF. MY FULL LEGAL NAME IS : XXXX XXXX XXXX XXXX. 
I am contacting my attorney and the attorney general in each area of your operation. 
THese accounts are not mine : all the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
PayPal Credit established an account in my name without authorization and subsequently sent this account to collections.

I did not agree to become indebted to PayPal Credit. I did not authorize PayPal Credit to create a debt in my name.
XXXX XXXX XXXX XXXX Purchase over the internet {$490.00} XXXX XXXX   XXXX XXXX XXXX XXXX. This was order on XX/XX/XXXX XXXX on American Express Card for total {$510.00}. Not unitl XX/XX/XXXX I received a mold of my teeth and storage box with a plastic guard /flipper. I contact the company XXXX XXXX XXXX told them to refund {$510.00} to my American Express as I had order a Dental Veneer. I was then told in an email - Hi XXXX, My technician has indicated that due to the positioning of your teeth, a Veneer wasn't the optimal product to address your needs. Only a Flexible Partial Denture was. 

I already own a partial, that's not what I order I explain and until this date XXXX XXXX XXXX XXXX   has refuse to refund the amount - XXXX is slandering my name I am causing a case of fraud. The email state they could not offer the product I requested. I ask if I need to return the mouth piece- I was then pitch to purchase a flexi partial denture, Which AGAIN I DO NOT WANT- JUST REFUND THE MONEY IF XXXX  CAN NOT PRODUCE the Merchandise I order. I'm not the simple Fraud - XXXX XXXX is the Advertiser that defraud customers! And American Express supports that action!
My husband and I co-signed four student loans with my granddaughter to Sallie Mae, now Navient, in the amount of {$17000.00} with an initial 6 percent interest when my granddaughter began college as an XXXX year old. Now due to multiple interest increases by Sallie Mae and Navient this {$17000.00} loan is now {$32000.00}. Sallie Mae, now Navient have been harassing my daughter, my granddaughter and me for multiple years. They have not worked with us in the repayment of this loan, rather, the interest rises and rises. We need relief. My niece is now in her XXXX  and a XXXX XXXX. Other loans throughout her college years, in addition to this one to Sallie Mae and Navient now over {$60000.00} due to multiple and unfair interest increases. I am XXXX  years of age and my husband is deceased. Navient refused to consolidate the loans after multiple requests. These loans will never be paid off.
On XXXX XXXX, 2017 I made my monthly payment online. On XXXX XXXX, 2017 I called Navient Customer Service to pay off one of my three loans. I explained that I wanted to pay one of the loans in full and I am calling because I can not figure out how to pay it off online. She gave me the balance of my smallest loan {$320.00}, I said yes that is the one I want to pay off. I processed the payment out of my bank account. She gave me a confirmation number and told me congratulations on paying off the loan. In XXXX I logged on to pay my monthly payment. Only the two remaining loans were showing. Both loans said {$0.00} amount due. I did not make a payment. On XXXX XXXX, 2017 I logged on to pay my monthly payment. It now shows three loans again. I pulled my bank statement to confirm the payment of {$320.00} was deducted from my bank and it was. The payment history on Navient 's website shows the payment however it is applied to one of the larger loans and still says I owe for the smaller loan. On XXXX XXXX, 2017 I called Navient Customer Service and the agent said because it is a consolidated loan that the payment was applied to both loans. I explained that I indicated to the agent on XXXX XXXX that I wanted the payment allocated to the smallest loan. She said the agent on XXXX XXXX applied the payment correctly however a system error caused the problem. She assured me that she would reapply the payment to pay off the loan in full. She said there was a past due balance from XXXX. I wanted to know why, if they had applied the additional payment to both consolidated loans there would not have been a past due balance. I made a payment with her to become current. I asked to talk to a supervisor. The supervisor apologized if the agent gave me any incorrect information. She said there was not a system error and again assured me that the loan was paid off and I was current but could not explain why the loan was not paid off on XXXX XXXX. She transferred me to a Senior Supervisor who said that only a Supervisor could approve a loan payoff and the Customer Service agent did not get the approval from a Supervisor on XXXX XXXX. The Senior Supervisor could not tell me why the agent could not get the approval from the Supervisor. Navient never notified me that the loan pay off was not approved. Nor did they notify me that they were going to apply that payment to the two consolidated loans.