WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Wells Fargo Credit Card. I have made small payments the past couple months due to some other financial obligations. I do pay well before my due date..which is the XXXX of XXXX. I paid for the month of XXXX on XXXX/XXXX/15. Wells Fargo requests a minimum amount due, which did n't meet. I received a letter from Wells Fargo last week and called the number on the letter the following day. I explained to the agent I had every intention of making larger payments and paying this card off asap and that I had always paid on time. 
The agent was not only aggressive and hostile towards me, but he was relentless. I finally hung up after attempting to assure them I was making regular payments that were on time. 
I have also paid off {$6000.00} of this card over the past 8 months or so ... which is clear evidence of my good faith in making payments to get the balance down. Then today, the Human Resources department where I work brought me a message they had called them. This is completely unacceptable that they are calling my workplace. I am the XXXX to the XXXX XXXX XXXX where I work. The tactics Wells Fargo is employing constitute harassment. Today I called XXXX again and explained my payment history, my timely payments, and good faith intentions to begin paying between {$500.00} and $ 1000 monthly on this card in XXXX. Yet they continue to be aggressive and relentless towards me. I will no longer tolerate this. I will no longer be accepting any phone calls -they need to stop contacting my employer -- and all further communications need to occur via the mail. 
They need to CEASE AND DESIST from this harassment. I am making timely and regular payments ... and demonstrate every good intention of paying down my balance.
On XX/XX/2017 I received an alert from my credit monitoring service that a collection account has been added to my credit report. I notice this is from a company I have never heard of or done business with. Convergent has placed an account on my credit report without contacting me, neither before or after the negative reporting. I was n't even given the opportunity to have this debt verified or disputed and more importantly I am convinced that this is a fraudulent reporting and extremely poor and deceptive collection practices at best. Convergent is practicing deceptive debt collection and has a total disregard for the Fair Debt Collection Practices act as they are in complete violation of the act.
I am a XXXX member. I received an alert that my credit score dropped XXXX points, because my utilization decreased on my XXXX XXXX account by 5 %, now historically when this happens my credit score rises by a point or XXXX. Immediately I called XXXX and Experian, of course XXXX did not accept any accountability in the matter and directed me to call Experian. I spoke with XXXX at Experian who stated it was a very complicated matter to explain and nothing further. I asked to speak with a supervisor, then placed on hold and told to leave a number and the supervisor would call back XXXX.
This company is reporting an account to the  XXXX  credit bureaus  XXXX ,  XXXX , and   XXXX   for a balance that I paid completely off in  XXXX ,  2017 . It is a huge impact on my credit report which is causing me to be denied for almost everything.
STELLAR IS CALLING MY CELL PHONE NO AFTER CEASE COMMUNICATION LETTER DATED XXXX/XXXX/2016 IN VIOLATION OF TCPA AND FDCPA.
court financial record- judgment was {$950.00} and paid. Person awarded judgment works for county and abused his position by filing incorrect amount with State having full knowledge Judgment was paid in full. XXXX XXXX, Please remove from my credit report as it is an error not only in amount but that 's judgment is satisfied.
As of summer of XXXX, 21st Mortgage representatives began to verbally harass my wife and myself. They are very rude and disconcerning over the phone. I gave them specific instructions not to speak with my wife ever if they could not hold a civil conversation with her concerning our mortgage. After that, the mortgage company started to call me three times a day. Everyday. On XX/XX/XXXX, I was being verbally abused and bullied over the phone by not one but two representatives. Verbatim, one of those reps said '' I was unappreciative of the XXXX XXXX dollars they gave me for the mortgage! ". 
The abusive nature of this company has got to stop. We are not the only consumers going through this with this particular mortgage company.
I have reached out to Experian, XXXX, and XXXX  Credit bureaus a number of times to have personal information that does not belong to me removed from my report and they refuse. The following addresses, phone numbers, employer, and ssn 's that appear on these reports do not belong to me and/or are reporting inaccurately. I have lived at my current address since 2011 and keep being told that other companies have reported this information as valid, which I think is absurd being that they are allowing others to report what they feel is valid and NOT me. Due to poor lack of investigation and communication Im requesting that all of the inaccurate data be removed. ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SOCIAL SECURITY NUMBER VARIATIONS THAT DO NOT BELONG TO ME : XXXX XXXX NAME VARIATIONS THAT ARE REPORTING INCORRECTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBERS THAT DO NOT BELONG TO ME : ( XXXX ) XXXX ( XXXX ) XXXX IN ACCURATE EMPLOYER INFORMATION XXXX XXXX XXXX Thank you
Paid on time each month the minimum payment as part of a balance transfer promotion. 

On the statement datedXX/XX/XXXX, the balance on the card of {$4200.00}, XXXX was under a promotional rate. It did not provide any notification that this transfer rate would be expiring. 

On the statement dated XX/XX/XXXX, the promotional rate disappeared but the interest breakdown showed XXXX balance on any lines charging interest. No notification was provided on the statement that a promotional balance was expiring or that any balance was being transferred to a different interest rate category. 

On the statement dated XX/XX/XXXX, the full remaining promotional balance was subject to 23.9 % APR. Upon receiving the statement I paid the balance in full including interest to clear out any balance. 

On the statement dated XX/XX/XXXX I was charged another {$53.00} for interest charges on the interest charges and additional interest from the time the XX/XX/XXXX statement was issued and I paid in full.
I had refinanced my loan with 360 mortgage but they keep reporting negative information to the credit bureau, the loan was paid in full before it was 30 days delinquent. Yet they keep reporting that it was late and it has dropped my credit score by XXXX points. I have called them numerous times and they say to dispute the charge through the credit bureau. I have done this twice. The first time the issue was fixed, then all of a sudden they reported that the account was late again so I have to dispute a second time. When I call them they offer no assistance even though they know they reported the information incorrectly. I need this issue resolved as my good credit is being damaged by lazy credit reporting.
After graduating from a four year college, my students loans with Sallie Mae were deferred for 6 months. After the deferment ended, I was told over the phone with a Sallie Mae representative that if I could not afford my payment I should put my loan into forbearance. I had not yet paid any of my loan at that point, and did not know I could make smaller payments that would not affect me as seriously. I put my loan into forbearance 3 times following that conversation, until I realized what a huge effect it had on my interest. I am now in debt more than ever and feel like I will never get out.
I am a victim of identity theft.  XXXX , Experian  and   XXXX   XXXX   h as the following address listed on my credit report :  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , MN  XXXX , the address do n't belong to me. I have never resided at that address.
Santander Consumer USA is charging me more interest and fees than what was disclosed in the contract. This is a breach of contract and several violations under the truth & lending laws under State and Federal. They are also charging me add on fees and late fees that were n't disclosed. I also called the about my payment being late and I was told they would let me skip XXXX payments and just add it to the end of my contract but instead to this day XXXX/XXXX/2016 it 's showing I am behind {$1200.00}. Also I wanted to payoff the loan which the payoff should be around {$17000.00} but Santander is telling me the payoff is {$20000.00} which is another violation in the truth and lending. How can Santander USA get away with all the crooked Business they are doing??? I have read over XXXX complaints about this Business Please CFPB do something. I might just find a Class Action Lawyer to go after them.
This loan is with XXXX originally. I had difficulty paying back in XX/XX/XXXX and was eventually able to pay back XXXX of XXXX balance by XXXX. But had trouble setting up arrangement and balance went to collection agency Integrated Recovery Services. In XX/XX/XXXX this agency contacted family and friends staying I had committed fraud and they were threatening to file criminal charges. Since XXXX I have paid back XXXX more but agency continues to call when I request correspondence only by email. Refuses to take payments by mail and did not charge debit card on two occasions. This is not a criminal matter but civil credit debt. Yet agency says they will keep charging to criminal court and threatened to raise costs.
I have called and asked for a deferred payment. The customer service rep allow me to pay my payment over the course of three months the way the first payment was set up. I paid the way did they told me to pay. I can provide the information from my bank that it was paid to them and the day that it was sent to them. There is no information that I paid them might. They can not provide me anything that I paid late
On Saturday XX/XX/XXXX, I was exchanging funds via Paypal for concert tickets. The tickets were supposed to be transferred to me via XXXX XXXX, and the user on XXXX had me send them money via paypal. I wasn't sure if I trusted them, so finally agreed to send half of the money ( {$100.00} ), then they were going to transfer the tickets, and then I would send the rest. They told me to transfer the funds via fnf " friends and family '' and I didn't realize why. I transferred the money, and the user immediately disabled XXXX XXXX, which is how we had been communicating, and removed their post from the XXXX group so that I couldn't contact them or have a record of their soliciting business. I've filed a complaint with XXXX, and am looking to try to have the funds transferred back to my account.
I have an unverified account from HWARFIELD. I had previously disputed this account. I have never done business with HWARFIELD. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HWARFIELD Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HWARFIELD Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I was contacted a couple of months ago by XXXX XXXX at First Tennessee Bank telling me that the bank needed to change the name on my business account to reflect more accurately the type of business I was now in. I told her that my company name was XXXX XXXX XXXX and that was what was registered with the Secretary of State of Tennessee. It also was what I had registered with the Internal Revenue Service, it is what is printed on my checks, and it is the name that my continuous bond is registered with U.S. Customs. I told her the bank could not change the name of my account from it's legal DBA name. I then received an unsigned letter last week from First Tennessee Bank saying that I had agreed that First Tennessee would have the authority to terminate my account. I certainly never agreed to allow the bank to close my account without cause. I believe my account was opened in XX/XX/1994 so I can not recite the exact terms I agreed to and they furnished nothing in the way of documentation, what terms I agreed to when I opened my account. I realize that banks find small business probably more of a nuisance and so are not big on providing them customer service but I have always maintained my account in good order. Being a XXXX XXXX XXXXt and also have my XXXX degree in XXXX I do know that a bank can not force companies to change their name on their account to something like " Guy who sells stuff on the internet '' when his legal DBA name for the corporation is XXXX XXXX XXXX. Either this is an attempt to harass small business into closing their accounts or the bank is actually going to change customer bank account names from the name under which they do business. Either would certainly exceed the authority a bank has over my money. This has caused me tremendous damage both in time and angst in having to relocate my account and also being told that I can not talk to someone in compliance because they don't talk to customers. I am therefore wishing to file a formal complaint against First Tennessee Bank. I will be happy to furnish whatever documentation you require. 
I have also filed this complaint with the Office of the Comptroller of the Currency and will be filing with the XXXX XXXX XXXX
You have Ally bank listed twice on XXXX/XXXX/2015. I authorized 1 credit check, you do n't get to count it twice
Today, XX/XX/2018, Chase Card Services put a hard inquiry on my credit report for a credit card. I didn't apply for a credit card today. Their information is : Chase Card XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
The mortgage company, Wells Fargo, miscalculated the initial deposit of funds into my escrow account. Now my account is approximately {$3400.00} short. Our house was NOT new construction. I have been working with Wells Fargo mortgage department for over the last XXXX weeks and I have still not be able to resolve the issue. Wells Fargo has refused to accept the blame for the mistake and will not return phone calls ( including supervisors XXXX. I have reviewed all my closing paper and HUD-1 statement with my relocation company, the closing title company, my realtor, and an old realtor we used to sell two previous house ( in another state ) and all parties agree that Wells Fargo made the mistake. I think Wells Fargo 's consumer service is completely unacceptable and it appears that they do not care. If anyone else made a similar mistake in another type of business they would be held accountable to correct the mistake at their expense. I want this issue resolved ASAP.
I would like the CFPB to review my account for improper management of my payments. 
NationStar is presently holding Escrow Funds that it does not distribute to the County Tax Collector. 
I 'm referring to Property Taxes. I pay the property taxes separate from the Note, but yet they are  holding over {$7400.00} of my money. The XX/XX/XXXX Statement of XX/XX/XXXX shows they paid a Disbursement in the amount of {$7400.00} dated XX/XX/XXXX. I have no received that money, nor has the County Tax Collector. I have proof the County Taxes have been paid XX/XX/XXXX. They also change the amount of payment due on their account webpage from what is printed on the statement, not to mention withhold funds from being applied to the account. Please take notice of XX/XX/XXXX NationStar Statement, how they withheld one payment, pay it one month late and change the amount due vs.  Monthly Payment. Their receive dates which differ on some statements form my bank statement. Since payments are sent electronically, my bank confirms date of transfer. 
Also check the difference in Interest Payment due on the XX/XX/XXXX NationStar Statement, the  amount is different that what they post on their webpage. How can they change the payment due If the interest has not reset? I want a full refund of my Escrow Funds as I have already verified with the the XXXX XXXX County Tax Collector that NationStar has not sent them payment.
Wells Fargo Home Mortgage just inform me in the last couple of weeks that I have been switched from a 30 year FIX rate to an adjustable interest rate on my primary mortgage. In the year XXXX when I was trying to get the financial support to obtain my property. I had a credit rating of XXXX ( Excellent ). Their were no reason for me not to able to get any institution to finance the home in XXXX Colorado. I chose to get help from the people who were in offices that were building the new homes at the time, and they started the process of getting Well Fargo Bank t involve in financing my home. I indicate at the time that I wanted a 30 year fix on my new home, and XXXX XXXX from XXXX XXXX Services indicate that Well Fargo would not do a 30 year on the secondary mortgage, but They would do a 30 year fix on the primary mortgage. Now 11 year later I receive a Letter from Well Fargo Home Mortgage indicate that my mortgage would increase in XXXX, because I sign a Document that indicated I would go from a 10 year fix to a Adjustable rate in XXXX of XXXX. I am just now paying only the principal after 10 years of paying both the principal and interest on my Home. I feel like both Well Fargo Bank, and XXXX XXXX XXXX have deceit me, because I was told by XXXX XXXX that the paper work that I was to sign in XXXX of XXXX would only include the secondary mortgage, as, adjustable and I could Fix that at in time, and I did fix the secondary in the year XXXX. Now too my surprise 11 years later. They inform me that their was a Fixed/Adjustable Rate Note among all the paper work that I put my init on ( GH ). that stated that I would converse from a Fix mortgage to a adjustable after 10 years. What reasonable person would do something this crazy. This is another sample of some of the bad practices that I have been reading, about Well Fargo Bank. Now I find out that Well Fargo Bank CEO has step down for some of the problems that they have created. I saw the congressional hearing on Television, and I understand WHY he had to step down. I am a customer that has lost faith in Well Fargo Home Mortgage, and Well Fargo Bank. Please help me to resolve this issue with Well Fargo Home Mortgage I have just turn XXXX XXXX XXXX, and I have begin to set myself up for retirement, but now this problem has stop some of my plans.
I had a Target Red Card credit card for over three years with an unblemished payment history. My statements were sent by e-mail and I would then pay online, always in full. Last XXXX, I did not receive a statement from Target. I do not remember the exact dates for all of my financial obligations and rely on statements from my creditors. Two months later, I received an e-mail from Target informing me they were turning me over to a collection agency. I called them and told them I wanted to pay the debt in full but also wanted to cancel the card because their statement system did not seem adequate ( i.e. no statements sent ) and I could n't take any chances with ruining my credit. They informed me that it was my responsibility to know when the bills were due and if I cancelled my care, I would never be able to get another one again. I told them that was fine, this was n't working for me, and I had other credit cards. I paid the card in full and owed nothing to Target. In XXXX of 2016, I applied for new car insurance because it was much cheaper. I was told that I would have to pay {$150.00} more for insurance because I had an entry on my credit card. I got a copy of my credit report, and for the first time in my adult life ( I 'm XXXX ), I had a bad credit report from Target. I am now also applying for XXXX jobs and have found out this can also affect my ability to get a job. Target does not have any customer service contacts for this issue as I do not have a Target Red Card anymore and you need a card number to log in into the customer service portal. There is no other mechanism for contacting them about this issue. My question is, if I paid them in full two months after the debt was due, why have they ruined my credit rating? This card has cost me far more than I ever saved by using it and now it is going to potentially impair my ability to get a job. I feel as if I 've committed a felony and I would like Target to resolve this ; I do n't owe them anything and they did n't have to pay anything to collect the debt. It just seems like sheer vindictiveness, which I think stems from my not wanting to use their card anymore. I hope you can help me or direct me to help at Target.
A credit card account was added to my primary bank account, which I never agreed to, nor seen the card, nor used the credit card. It was never mailed to me. However, I have been getting charged with overdraft fees from my primary account. Which is strange considering that I have not had an overdraft fee in over 10 years due to my savings account. If I go over on my primary account the funds will automatically take from my savings. I had it set up this way for years. When I noticed a charged was added to the credit card account of {$100.00} by checking my bank on line, I paid the balance ONLY to get it off my account, hopefully to get rid of it. However, the balance continued to increase. After speaking to a banker considering this matter is when I was informed that the charges were from overdraft fees and the credit card was set up as an " overdraft protection '' instead of my savings. I explained to the banker that I never agreed for the credit card to be my overdraft protection because I had already have that set up with my savings account. I continued by informing her that I have not had an overdraft until this credit card was added to my account, that is strange. Supposedly I had overdrafts since XXXX to XXXX. Now I have a balance of {$470.00} which is now on my credit report and affecting my score. I informed them many times that I did not agree for a credit card to be added as my overdraft protection, nor have I seen this card, nor even used the card but still I 'm being harassed to make payments on this account and damaging my credit score.
trans union is reporting two negative accounts on my credit file that don't belong to me. these accounts and balances do not belong to me and are not mine. I have notified them of these errors and they have refused to correct them and remove them from my credit file. the accounts are XXXX XXXX and XXXX and XXXX ands they are appearing under the negative accounts on my credit file.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A Experian XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX  Experian : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX  Experian : XXXX XXXX : XXXX