WillisBack/dataset-financial-user-claim huggingface dataset:
Made payment XXXX/XXXX/2016 by phone, it was never posted to my bank account, then get letter on XXXX/XXXX/2016 stating the check had been returned for NSF, I checked with bank and amount was never posted to my account, that had at ampule amount to cover payment, also the amount they stated was NSF was not what was charged on that phone payment, they add XXXX charge and and the letter letter only had XX/XX/XXXX regular payment amount, we paid the property taxes ourselves, because the mortgage company did not, but they show on their records they did, they 've added late payments each month, which were not, they will not send statements, we have asked several times, we were discharged from Chapter XXXX on XXXX XXXX, and they still will not discuss with us any information on our loan.
On XX/XX/XXXX, I got an Alert from my XXXX XXXX that my credit score had dropped. I pulled a copy of my XXXX credit report and noticed that two identical bill for XXXX XXXX had been recently added from two different Collections  Agencies ( XXXX XXXX & Receivables Performance ). 
The problem is that I was never contacted by the Collection Agencies and the account with XXXX XXXX XXXX was paid in full back in XXXX.
I applied for a mortgage through Wells Fargo on XXXX/XXXX/2016. I gave them all the document that they had requested. They kept asking for the some documents over and over again. They kept saying the file was in underwriters. On XXXX/XXXX/2016, XXXX, the loan office told me that she thought I did not have sufficient income for me to get approval after talking {$440.00} for appraisal fee and {$11.00} for credit check on XXXX 2016. On XXXX/XXXX/2016 I wrote to XXXX to stop the appraisal process because there was no need to appraise the house which I did not qualify. On XXXX? 2016, Wells Fargo went a head and appraised the house against my advice. I filled a complain with the Wells Fargo de-escalation department. They acknowledged the communication for stopping the appraisal as the reason why I did not get the appraisal report. I had told them that I needed my money back. In their finding completed in XXXX, they said they did not see any reason why I should get my money back. I fell I was fleeced by the bank. Please help me recover my money from this terrible bank
I have disputed XXXX Collection debt {$540.00} listed as a collection on my credit reports- I have not been able to contact the company listed as the collector by the address and phone number listed on the credit letters- I also was not able to locate that company as a collection source with the Consumer Financial Protection Bureau XXXX How can it be verified by Transunion- XXXX- XXXX  if I can not locate them through these resources I dispute this account and it's details are not verifiable and should be removed and deleted immediately
On a XXXX XXXX, XXXX XXXX, 2015, I was away XXXX miles away from home. I need to get cash to put gas in my car, but unfortunately my debit card did not work and I tried to use my American Express Optima Card. The card did n't work at the gas station because it has low balance and usually gas stations block {$150.00} in order to use the card. I called American Express and requested to get cash back and a pin ( received the pin ) or extra emergency cash so that I an get home safely and put gas in my car. The American express representative told me that if I tell her the exact address where I was, she will provide emergency cash. I left the car and went to the nearest cafe to ask for exact address and zip code. When I called American Experss back, they refused to provide assistance with even {$20.00} cash. So I had to use strangers ' help in order to get home safely on XXXX XXXX. I am very upset and disappointed in lies of American Express representatives who put me through enormous stress and emotional distress and danger on the road. Yesterday, XXXX XXXX, an American Express rep called me and assured me that he was going to call me today with a possible resolution and he did n't call back. What American Express did was a violation of the Fair Credit Reporting Act - deceiving customers. I had to write a {$200.00} check to strangers to help me to get home, while American Express deceived me and did n't provide promised assistance and this assistance is in the credit card agreement.
In XXXX of 2017 I disputed an inaccuracy on my XXXX credit report that was made by PORTFOLIO RECOVERY. I requested numerous times for them to provide validation of the debt they 're reporting on my credit report and they have failed to do so. They only respond that the reported information was valid but could never show me validation. This is tarnishing my credit worthiness and I need answers.
Chase and XXXX will not provide my full payment history even after requesting and filing at complaint with the loan servicer XXXX.
Perfection Collection in  XXXX  Utah has put a collection notice in  XXXX  of the  XXXX  credit agencies against me, but I 've never received a written notice of debt from them.
Commercial Acceptance Co still has a debt balance of {$180.00} listed as an open account on my credit report, as of XX/XX/XXXX. The debt was paid in full XX/XX/XXXX.
I responded to American Express Delta card invitation and I meet there requirement but they refuse to award me the promotional which XXXX XXXX miles and {$50.00} credit to my account when I spent {$2000.00} in the first XXXX months and buying a air line ticket on Delta XXXX lines. 
I spoke with CS several times and proise me soon will be corrected but nothing done I talked with XXXX a supervise and said will take a month to be corrected I waited a 45 days I called again and she dined that she was going to work on and fixed and said you revived this promotion before and nothing she can do. 
I had American Express Delta before but I lost it and closed the account seral month later they send me several invasions again so I applied and meet all requrement but now thy saying no. 
My question is why thy send me invitations when they no I am not qualified why they did not reject my application.
I had already thought I settled this with XXXX because they kept sending me bills for products I had already paid for in full. I sent you the invoice numbers and all of the information I still have on hand to proved I paid. 

They tried this before using XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX NY XXXX. The notice was sent on XXXX XXXX, 2016. The notice stated that I owed {$82.00}!!! I wrote to CFPB and it was settled. 

Yesterday, I opened the mail to find a NOTICE OF COLLECTION from a place called PENN CREDIT! The client listed is : XXXX! AGAIN! 

These items have already been paid for and I am not paying for them again. They have a list of service dates, account numbers, and balances that total {$59.00}! 

The XXXX billing staff must be the most incompetent people that ever existed. Whoever they are ... they need to be replaced. Until then, buyers beware of making purchases from XXXX ... do n't do it. If you already have, keep all of your documentation because they will try to double, triple, quadruple bill you for what you have already paid.
I tried to open a bank of American account last year and a few years back and they keep telling me to remove something that was on my XXXX 4 years ago. Its no longer on there the bank said it was a mistake but Bank of America still wont open the account
Contacted Wells Fargo Home Mortgage Co. at XXXX on XX/XX/XXXX at XXXX XXXX  and spoke to XXXX about the Net Settlement Fund in the Wells Fargo Inspection Fee Settlement letter and check that I received in XX/XX/XXXX. The letter indicated that " Your award was calculated in accordance with the Court-approved Plan of Allocation .... ''. The amount of the check was {$31.00}, Check # XXXX, check date is XX/XX/XXXX and the claim number is XXXX. My question to XXXX, after giving her my loan number - XXXX, was how " specifically '' was the check amount determined. Her response, after a 3 minutes hold, " my records do not indicate that such a transaction transpired. For clarity, at XXXX XXXX XXXX transferred me to her supervisor, XXXX, who answered at XXXX XXXX. XXXX could not answer my question either, therefore, at XXXX XXXX he said he would transfer me to the escalation department. XXXX, in the escalation department answered at XXXX XXXX. Mind you, I had to repeat all of the pertinent info to each individual. XXXX was not privy to the transaction either, and indicated I would need to speak with XXXX XXXX XXXX. At this point I'm livid, and refused to speak with a fourth person after being on the phone for 54 minutes. My concerns stems from incurring over {$200.00} in Inspection fees between XX/XX/XXXX and XX/XX/XXXX, in addition to over {$2000.00} in other fees. I don't believe {$31.00} is sufficient reimbursement considering what was dispersed. Other individuals that I spoke with regarding these Inspection fees are XXXX XXXX at XXXX extension XXXX at XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX extension XXXX at XXXX XXXX on same date.
I submitted an online application for a Capitol One Credit Cardone week ago. I received my approval within minutes. I thenreceived a phone call from the Fraud Detection Department. 
As well as a follow up letter saying that New Documentationwas needed to verify my identity due to suspected identity theft. 
I ask what this was regarding and received no response. I thenagreed to submit a copy of my drivers license front and back aswell as bank statements and other proof of residence. I spoketo a supervisor on XXXX XXXX at Capitol One that informed methat no other documentation will be required and it would takebusiness days to resolve this issue. I received the cards but wasinformed that account was on hold. I have been receivingphone calls and emails from Capitol One asking me to resendthe same documents over and over again and was told XX/XX/XXXXmy cards would be restricted until I send documents for 4thtime. I ask to please tell me what the circumstances werethat brought this matter up. No response. Capitol Onerefuses to activate my cards. they are harassing me via calls aand email. I want answers.
My VA loan being serviced by US Bank has had a monthly billing of XXXX for the most recent history, however mysteriously and unannounced but for the month of XX/XX/2018 US Bank change that payment to XXXX. 

I am sure they have a reason for the new bill amount but my issue here is that it went unannounced and as a result causes me to incur a late fee, which I sent in after the payment of the previous payment received on the XX/XX/XXXX of  XXXX. The late fee that I sent in was for {$100.00} which included in gap between the XXXX amounts I sent in and the XXXX new amount due, {$6.00} My payments to U.S. bank are electronic transfers and scheduled by my bank. 

As a whole I have been satisfied with the servicing of the VA loan by US Bank. My concern here is that they not withhold important accounting information like Payment adjustments as a means to manufacture late fees. That would be unethical and corrupt practicing. This has not been my experience with US Bank. Brand and reputation goes a long way today. So I am bringing this to the attention of the bank both as a reminder and a complaint, that they did not provide me with accounting prior to the billing amount change nor forewarn me that a change was imminent. This lack of communication caused my payment to be late ( after the XXXX of the month ) because the amount I sent in before the XXXX did not match the new bill amount and as a consequence I had to send in a late fee plus the gap difference.
Midland funding is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. This single account violates several laws including but not limited to FCRA XXXX U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section 806. The account was for XXXX XXXX XXXX XXXX / XXXX. I paid XXXX off many years ago. I contacted Midland and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX. That is false.
on or about XXXX XXXX XXXX, all XXXX experian, XXXX and XXXX put a collection from XXXX collections acct XXXX, in which i recieved XXXX XXXX XXXX XXXX i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated XXXX XXXX XXXX which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also filed a complaint against the company.. XXXX
I signed up online for a credit card for Walmart. 

I never received a card. I still have not received a card. 

I never received a bill UNTIL AFTER I was notified that my payment was late. This failure to bill is not only bad business practice but implies fraudulent practice. 

I called customer service to complain that I was unable to access my account online and that I was furious that I would receive a late notice before I received a bill. 

At that time, I CANCELLED my account with a promise to pay the balance in full and the bank would remove the late charges. 

In XX/XX/XXXX and XX/XX/XXXX, I had a XXXX. 

I lived up to my part of the bargain with the CANCELLATION and PAYMENT OF BALANCE IN FULL. 

However, the bank failed to live up to their bargain in removing the late charges. Since then, the account, although closed, has continued to accrue late charges. This failure to follow through is not only bad business practice but implies fraudulent intent.
XXXX from Integrated XXXX called asking to speak to an employee of our company, we let them know this was a place of business and personal calls were not allowed. XXXX then laughed and said it was funny that he ca n't speak to the employee about her debt she owed. Our other employee asked how he could be discussing her personal matter with someone other than his customer he said he was n't. She asked him not to call the business number again. He then called back and when he was again asked not to call our business again, he said get use to my voice you will hear it everyday til she pays and hung up. We then called the company spoke to another gentleman who said he would take us off the list of people to call. The next morning our manager called the company and spoke to XXXX after we had received an automated call asking for garnishment information about our employee. She spoke to him about his employees collection efforts, he then said he would take care of the matter and that he recognized the error of XXXX collection efforts and assured us that our business would not be contacted again. at XXXX XXXX/XXXX/2016 XXXX called again, asking for our employee, we let him know we had spoken to his manager who said we would not be contacted again. He said no we did n't, there was no XXXX and that he would continue to call everyday. Our manager then called XXXX back who said would you like me to spank him? She asked why his attitude had changed since their earlier discussion, he said that the only way they would stop was if the debtor had her lawyer send a cease and desist letter. Our manager let him know that was not true and to be expecting XXXX.
The debt collection agency D & A Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX sent a 'dunning ' letter to consumer dated XXXX XXXX, 2015. The envelope was postmarked XXXX XXXX, 2015 and consumer received it XXXX XXXX 2015 which violates the thirty ( 30 ) day timeline consumer is allowed to respond to dunning letter. This is a practice synonymous with 'false, deceptive, misleading misrepresentation ' as it violates the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. Section 1692e. Many debt collectors are adopting this practice as a way to cause consumer a lack-in-time to respond within 30 days and utilizing the timely manner set out by the FDCPA. Not all consumer 's have access to a fax machine. This Consumer takes issue with other factors of the 'dunning ' letter in regards to the fact consumer does not owe D & A Service ( or any entity acting on behalf of D & A Services ) a debt. Consumer disputes owing D & A Services a debt based on the FACT : Consumer has no fiduciary, contractual obligation to pay D & A Services anything. There is no payment history, nor products, or services that have been rendered to D & A Services, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact '', which will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will " tender '' as evidence in a court proceeding if D & A Services chooses to adopt their own agenda and pursue this matter further. Consumer wishes all communication ( mail/telephone/attempted collection ) cease upon notification of this debt dispute reported in this venue. Consumer has added a complaint lodged by another consumer who experienced 'unjust enrichment and extortion ' levied against them when interacting with D & A Services. Consumer of this complaint will not engage in contact with D & A Services based on violations of the FDCPA, false misleading contact by D & A Services. If D & A Services makes any attempt to contact consumer on ANY level consumer will file a federal and state lawsuit against D & A Services and present documentation to support consumer 's position in this matter. Consumer thanks CFPB for having this venue as documentation. It is greatly appreciated!
Hi, I am writing this regarding issue that I encountered with my Checking Chase Bank. My wife received a check from person who hired her for a job. As per her job she needs to credit the check and once the check is cleared she needs to buy stuff for XXXX XXXX and donate it to them. My wife deposited the check in XXXX/XXXX/2016 and the check got CLEARED per bank records as of XXXX/XXXX/2016 and the total money available included the money from Check. Once the check was cleared money has been drawn as part of the job work and stuff was sent to the account provided by the employer. Now the check that was cleared on XXXX/XXXX/2016 has been reverted on XXXX/XXXX/2016 by Chase Bank without giving me intimation as to what happened. I got an alert message with negative balance and when check with bank why was the money which was cleared reverted they said that there was an issue with the check that was deposited and money was sent back to source bank. As a result of this my account went in to negative and my own bills are about to get bounced. When I check with the back as to why the money was reverted after the check has been cleared they kept saying that they have the right to do without our consent up to 1 year. When I asked for the policy they asked me to read the disclosure when I ask to send the same in a mail they refuse to do so. When I called the customer care and spoke all the above the call has been transferred from customer care to supervisor then to manager and they all say that even after the check is cleared they can revert the money without letting us know per their banking policy. When asked them why was the check cleared when there is an issue with the check they did not give a proper answer and were talking about their internal check processing which as a customer I am not ware of. As a result of incorrectly clearing the check we lost {$3000.00} from our bank account for incorrectly clearing a check. We launched a official police complaint on the person who conned us but this all would not have happened if the money was not cleared incorrectly. Bank seems to be throwing blame on the customer for not knowing their internal check clearing process of their bank which resulted in this issue. The customer care has all the call recording for further inquiry.
DiTech XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX My mortgage is with DiTech, serviced by GreenTree. I received a call at work from them in XX/XX/XXXX that my account was 60-days past due. The customer service representative was extremely rude. I attempted to ensure her that I had made my payments without success. When I got home and checked my statements, they showed all my payments and my account current. When I called back the next day, a different customer service person found that DiTech had a computer upgrade earlier in the year and some payments were not being credited to the proper accounts. I even showed her where an erroneous payment had been credited to my account. They removed the erroneous payment that day. It has now been approx thirty days and I continue to get statements/documentation that my account is overdue. I had my bank confirm the XX/XX/XXXX payment ( due XXXX XXXX, DiTech received it XXXX XXXX ), but DiTech is not crediting it to my account. They have posted to my credit report that my account is past due. DiTech said they would send a correction, but the item is still in my credit report. I asked for documentation of the credit report correction, but have received none. My job requires financial responsibility. DiTech 's inability to accurately process my payments and negligence in correcting their mistakes will cause difficulties for me now and later. Every time I talk to the DiTech CSR, I am assured that they are working the problem and that my account is current. Yet they continue to take actions as though my account was overdue. I have lost time at work to try and correct this issue.
I have contacted Key Bank uncountable occasions after discovering a the same one account listed three times on each of my credit reports. I informed them that I did not have a loan with them and they indicated I had one with XXXX XXXX. Well, XXXX owned up to saying that the loan is hers, which I attached the letter in which she sent on several occassions. Well, a XXXX XXXX XXXX indicated they would give liability to XXXX XXXX, my daughter if I could provide documentation with my signature from 2007 which I do not have. I think that is not practical for you to ask me for a signature from almost 10 years ago in which my signature is on the domicile, that I provided for you. The only thing that I can do is contact my mortgage company to see if they have it in their archive which is ridiculous. I understand that XXXX XXXX is doing her job but I think that I have more than proven I am not liable. As you know from when I first found out I have been back and forth with this organization and that is because I have no ownership in regards to this loan. Please, also know that this has played a massive impact on my relationship with my daughter, I should not have to be going through this. I know and understand that my daughter was extremely wrong in signing my name, but what this organization is taking me through, I am feeling victimized over and over. I have provided the letter from XXXX XXXX who is taking full responsibility. I have provided my domicile which has my signature and I was trying to demonstrate that during the origination of this loan, I lived at XXXX XXXX XXXX XXXX, XXXX, FL and then when I found out about it, I was living at XXXX XXXX XXXX XXXX, XXXX XXXX, FL, to demonstrate that I would n't have known anything about the loan. Between the XXXX address I have been residing in XXXX XXXX almost 20 years or more actually. I do not deserve to keep going through this. I am asking once again to please release me of liability.