WillisBack/dataset-financial-user-claim huggingface dataset:
My loan with Wells Fago was paid off on XX/XX/2016 loan # XXXX. I refinanced my FHA loan. Both the title company and Wells Fargo confirmed I would receive my current escrow balance of {$1700.00} in a check. I called WF to follow up on XX/XX/2016 as to when I would receive this check discovering the check amout was differnet from above. {$150.00} has held from the check amout in escrow to pay another month of Mortgage Insurance making the check amount {$1500.00}. 
{$450.00} was already collected on my Mortgage Insurance Payoff Statement ( 3 months- see attached ) I feel that I am owed the {$150.00} in escrow and I do not owe another month. 
Seems to me I am being charged a Pre-Payment Pentalty
I opened an American Express Platinum card with a XXXX bonus point offer this past XX/XX/XXXX. During the application, it asked me for my income, and, as I was a XXXX XXXX at the time, put {$0.00}. My card was still approved. For the first payment, I forgot to inform my checking account bank that I had a new credit card, so when they saw the payment, they flagged it as fraudulent. I straightened it out and paid off my debt as soon as I realized.
I met the spending requirement for the bonus points, but never received the bonus points or spent any bonus points at all. The account was fully paid off.
After this, American Express canceled my Platinum card. They say it was due to my {$0.00} income ( which they knew about when I applied ) and due to the fraud alert on the card ( which was not a genuine fraud ). I spoke with them on multiple occasions and was assured once I started my new job this summer after XXXX that they would reinstate the account.
I have now started my new job and called American Express to reinstate my account. They told me I would have to apply for a new Platinum card as they can not reopen the card. They told me that I will not be eligible for the XXXX bonus point offer because I previously held a Platinum card ( despite not receiving or using any bonus points whatsoever ). They refused to compromise on this situation and instead offered me a Platinum card without any bonus points attached at all.
1 ) M y husband and I moved to Nebraska where Bank of America does NOT have any branches, and I have had technical difficulties setting up auto debit from an external checking account. As a result, I have been charged late fess, my credit limit was lowered, and I believe derogatory information was sent to the credit reporting agencies.      2  ) Auto-debit ( including from third party checking accounts ) is a feature that is advertised on their website.      3 )  I have made many good-faith attempts to set this up on the website, and my last attempt was on  XXXX   XXXX  where I used the online chat feature on the Bank of America website.      4 ) I  gave the operator my routing and account numbers for our  XXXX  checking account.   I requested that he/she debit the payments due from that account, and to setup auto-debit to have recurring payments from said account.   But this did not occur due to " lost network connectivity '', per the phone conversation with "  XXXX  '' and my husband on  XXXX   XXXX .   When I saw that the payments did n't go through as expected in  XXXX , I tried calling the Bank of America number several times, but the hold time was too long ( more tha n 30 minutes ) 5 ) My hu sband finally reached Bank of America on the phone on  XXXX   XXXX  with  XXXX  and the credit card accounts are now current.
Conn 's, a retailer I purchased a washer and dryer from, reported my XX/XX/XXXX payment 30 days late in error. XX/XX/XXXX payment paid 7 days early, confirmation # XXXX on XXXX/XXXX/XXXX. I paid XX/XX/XXXX 1 day after the due date, XXXX/XXXX/XXXX, confirmation # XXXX.
I took a check from my XXXX XXXX XXXX account to Wells Fargo to deposit. The teller and branch manager told me a hold would be placed on the check and I told them a hold was not necessary as this was a XXXX check. They insisted so I told them to give me the check back and not run the deposit. I took the check to my other bank and deposited it, without a hold, and opened an IRA account there and deposited the check. 4 hours later I got a phone call from the Wells Fargo branch telling me that the deposit went through their system and the funds were pulled from XXXX by Wells Fargo. I spoke to the XXXX XXXX and she kept repeating that she would " release the hold '' as soon as the funds were received from XXXX. I canceled the deposit, took possession of the check, opened an account at a different and deposited the check there. Wells Fargo should never had finalized that deposit and pulled those funds from XXXX.
XX/XX/17 : Noticed a collection was reported to my XXXX credit report by a collection agency called : Convergent Outsourcing. I never received any letters or correspondences from Convergent Outsourcing. XX/XX/17 : called the Convergent Outsourcing collection agency to inquire about the collection account they reported to my credit report. I provided them both the account number & my social security number & told them I had never received any correspondences from them & had no idea about the collection. Their response was they do n't have my information on me available. I specified that I am in process of a financing transaction and as the result of this negative reporting I ca n't proceed with obtaining financing. I requested them to remove the collection account since they do n't have any information on me. They said they cant do that at this time. They provided me with supervisor 's email & asked me to email a supervisor which I did and made the request, but the supervisor never responded back.
Equifax refused to do a proper investigation regarding XXXX item in my account. Since 2016 I 've been contacting Equafax regarding this matter but the last ignored to conduct a proper investigation to verify the account. In my letter I specifically mentioned the statuary law that would make them investigate but every time they would say we did investigation and the account belongs to you and no details were provided.
I looking over all  XXXX  of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation.   Section  609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all ite   ms that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX   #   XXXX   Never don business with this company error please delete.
2.  XXXX   XXXX   XXXX   #   XXXX   This was discharged in Bankruptcy and is listed wrong please delete.      3.  XXXX   XXXX    #  XXXX  This account was paid and is listed wrong error please delete.   4. XXXX  #   XXXX   This account was  discharged in  Bankruptcy error please delete.    5.  XXXX   XXXX   XXXX    #  XXXX  This account is FRAUD I have never had a credit card with this company ever.    6.  XXXX   XXXX   XXXX     XXXX   XXXX  This account is listed wrong and dates and status are wrong please delete.    7.  XXXX   XXXX    #  XXXX  This account was never verified please delete.
There are medical collections on my credit report do not belong to me, However, They belong to my wife, I have never received any letters of attempt to collect the debit or any letter explains my right to those collections, They just put them on my credit report without any prior contact. I have called the progressive management system and I was told that the collections will not be removed from my credit report till 60 days after the accounts are paid. Those collections stops me from proceeding in getting some of the credit that I need, Buying a house for example or a vehicle.
XXXX XXXX XXXX is falsely reporting information under two different reporting names ( XXXX XXXX XXXX and XXXX ) for one DUPLICATE account, that I owe {$490.00}. I do not owe this account and it is not mine. I am entitled to a fair and accurate credit report.
This debt is very old. I do not owe this amount. Tried to reach out to company on numerous times to get updated letter in writing on what I actually owe.
I made a purchase from XXXX XXXX XXXX XXXX in XXXX using a store credit card. In addition to the store credit through the card, I made an {$800.00} cash down payment. I later returned the item, and XXXX refunded my down payment. I assumed that my account balance was XXXX, because they sent me a refund. 

I continued to receive mail from XXXX which I ignored, because they send lots of marketing materials and because I had returned the item and received a refund. I received a letter that looked differently recently, so I opened it. Apparently XXXX had charged me for the following items which were through a third party : " Credit Life Premium '' for {$1.00} - Account Assure " Credit Disability Premium '' for {$2.00} - Account Assure " Credit Unemployment Premium '' for {$2.00} - Account Assure I was unaware f who the third party is, what these premiums were, and why they were charged. I had no knowledge of their existence until I received late penalties. 

I called to try to resolve the issue, pay the balance, and close the card. The number I called from the bill was XXXX. A XXXX robot told me to enter my social. I did. They then transferred me to XXXX XXXX ( the supplier of the XXXX card, apparently ). The people at XXXX accepted my payment but told me they could not ( 1 ) tell me where the charges came from, or ( 2 ) close the account. I was informed that this would need to be done by the customer service department. They " transferred '' me, but I was disconnected. 

I did the same thing again ( called the XXXX number, entered my social, waited for rep, explained i wanted to close account ). She again told me she would transfer me to customer service. I asked for a phone number this time and was told XXXX. The call again was dropped. I called the new number, was greeted by another XXXX robot, entered my social again, and was connected to another rep who could n't close my account - but offered to transfer me to customer service. 

I demanded to speak to a manager, who eventually transferred me to a manager 's direct line at customer service. This person was able to cancel my card. They were also able to tell me the account history, which is how I first discovered the three " Premiums '' totaling {$5.00} that remained on my account even after I received a refund on my debit card. These charges, which I had no knowledge of, were also a mystery to the supervisor. He did not know what they meant, but was magically able to assured me I had authorized them. 

My complaints are : ( 1 ) opaque, mysterious, unauthorized billing for the three " Premiums '' ( 2 )  misleading " refund '' - which led me to assume I did n't owe them money ( 3 ) unreasonable late charges ( {$9.00} on a {$5.00} balance ) ( 4 ) Phone system deliberately designed to make it exceedingly and unreasonably difficult to cancel a card.
XXXX has several loans on my credit report as open even though I had consolidated and have been paying XXXX for over seven years. they keep updating my credit report with an increasing balance. I have contacted XXXX  and they have no record of having an account with them. I've have tried disputing on my credit account but they come back verified and accurate. please help.
I did a re-fi with First Mutual they then sold it to XXXX which went out of business.I was then contacted by XXXX XXXX XXXX Who stated that My FHA mortgage was assigned to them and that my {$900.00} a month mortgage would be {$2300.00}. I immediately contacted them and told them that since I 'm a Veteran that my mortgage could not be assigned to them without a face to face and authorized by the VA. They then filed foreclosure paperwork through the court. Out of fear and lack of knowledge I paid them until I was financially strapped. My Wife had to have a XXXX which caused me to stop paying XXXX completely I saved up enough money to hire a law firm XXXX XXXX XXXX XXXX. The firm placed me in a XXXX XXXX lawsuit against XXXX and they backed off and stated that my mortgage had been securitized and that Bayview Loans Servicing LLC would be my new servicer. Again out of fear of loosing my home I paid Bayview a total of {$9600.00} {$1800.00} a month for 6 months because they threatened foreclosure via the same debt collector lawfirm XXXX XXXX XXXX that XXXX had used. After paying the 6 month trial period for a modification which the results from the XXXX Bayview sent paperwork to file for a modification that they said I had already been approved for. With lawyer fees and false modification payments I 'm out about {$20000.00} and Bayview is threatening to sue for foreclosure again. Like I stated earlier I 'm a Veteran with a sickly Wife and just want to pay fair market value for my home Bayview states that I owe them {$320000.00} and my home was appraised at {$150000.00}.
On XX/XX/2018 a debt validation pursuant to law was requested from Resurgent Capital Services and was signed and received by a XXXX XXXX on XX/XX/2018. In a letter dated XX/XX/2018 validation was not satisfied as requested since all that was received was a notice that I have a right to substantiation of debt. There was no clear proof that the debt was accurate or valid, in clear violation of 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act. Not only did I not receive the requested validation, the amount of debt, proof of service, or proof of ownership was not provided.
I have disputed this account with the Credit Bureaus as well as Professional Credit Management. I disputed this account with Professional Credit Management on 2 occasions and on each occasion, they were unable to provide copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. Each letter they sent said they validated the name and address ; however, validation of an accounted they are claiming I owe them consists of providing substantiating information to prove beyond a reasonable doubt that this account indeed belongs to me See attached letters I sent them as well as the letters they sent in response which as I have stated above DO NOT VALIDATE THE DEBT. I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate ( Collection accounts have no terms, so why are they reporting a term of 1 month if I never signed any contract or agreement with them, nor is it verifiable ; therefore, this items should be deleted from my report immediately.
I received an email message from Capital One on XX/XX/XXXX indicating that my checking account had been over-drawn. I logged on to my on-line account and realized that Capital One had debited my account with a check belonging to another account. I immediately sent an automated message to dispute the transaction. The following day, I called customer service to follow up since I had not received a response. The agent reversed the overdraft fee but indicated that the actual transaction would not be reversed for 2-3 days. 
I again followed up on day 3 and then was told that the reversal would not take place until XX/XX/XXXX. The customer service supervisor did indicate that he would " temporarily '' reverse the debit so my funds would be available to me. The incredibly disturbing issue with this entire transaction is the fact that I am able to see an image of the check written from a different account ... routing number, account number, customer name and address, etc ... a complete lack of security. What would stop this error from occurring again with one of my own checks being debited to a stranger 's account, allowing them to easily obtain my personal information. Capital One needs to put immediate corrective actions in place to avoid errors like this and to avoid breaches of security.
XXXX XXXX XXXX Mortgage alleges a foreclosure sale took place, however, is unable to produce foreclosure sale documents, an auctioneer name, an auctioneer license number. HSBC Bank USA , N.A . and XXXX XXXX prior to these incidents admitted in United States v. XXXX XXXX XXXX ( XXXX. ) that consumer was discriminated against which consumer was overcharged broker fees and rates. Subsequently, XX/XX/2016, XXXX XXXX in the XXXX v. XXXX XXXX XXXX XXXX Case No. : XXXX notified the United States District Court of XXXX that consumer was also discriminated against when the mortgage company charged excessive fees. Upon force consumer was removed her home without proper documents and remain an interested party in the property known as XXXX XXXX XXXX XXXX, XXXX XXXX. Consumer is the legal owner of the land and the land deed is attached. HSBC Bank USA , N.A . plead guilty in a XXXX Federal Court. Consumer invested approximately XXXX into a {$160000.00} mortgage and there have multiple forced attempts by lawyers and judges to sell the property or they will impose sanctions, XXXX. There are threats to destroy her career and continuously hold her property until she signs documents releasing her interest. The consumer is attempting to coordinate removal of the structure at the expense of XXXX XXXX with clear indication of previous and current injuries. Removal of the property still does not release interest as again the consumer invested {$140000.00} into that property and in a separate transaction, the consumer paid {$14000.00} for the land plus other cost and fees in preparation of the land to build the home on. Cost of removal is approximately {$35000.00}. Quit Claim Deeds attached reserves all rights. XXXX XXXX is the proper lender in this matter. However, it appears that the attorney ( s ) are hiding their claim and interest to the property under HSBC Bank USA , N.A . accounts because HSBC Bank USA , N.A . denies consumer has any accounts with the bank. 

Social Services will need to be contacted as the individuals involved has shown a blatant disregard for the care of their children as well as consumers they have come in contact with by evidence of a XXXX complaint in which another consumer was forced into an agreement after these individuals provided substandard services, products, and withheld their funds. These individuals do n't have any legal contracts with anyone.
I believe I open XXXX inquires against Chase Credit Card XXXX is : XXXX and the other XXXX : XXXX. 
You agency put this XXXX complaints as a duplicate. 
I believe I asked your agency to ask Chase to stop any communication with me until they Proof a signed Card agreement. 
As the Letter I 'm attaching the copy of the letter dated XXXX XXXX 2016 also I 'm attaching the ongoing Monthly Statement Chase Trying to still collect these Illegal Late charges they still want to collect from me.
XXXX  sent me to a debt collector, however I communicated w/  XXXX  multiple times and confirmed, both verbally and in writing, that the equipment was returned and I do not owe any debt. I had never been notified that I was sent to a debt collector until I looked at my credit which showed that my credit was dinged, o n 3 se parate occasions, for this equipment not being returned. It took me, on my own accord and time, to find this and reach out to the debt collector directly in order to dispute this issue.  XXXX  clearly has not handled their documentation correctly and as  a Compliance Officer thi s is a clear regulatory violation.
The Law Office of John p. Frye, P.C. ( a collection agency ) has illegally debited my bank account for an amount that was never authorized by me. I filed a dispute with XXXX XXXX XXXX, and it was found in my favor that this group had not acted properly. After some research, I found that this group does not have the best ethical track record.
Good afternoon, Can you please advise me on how I can file a complaint about an overcharge by XXXX XXXX  during my reinstatement on XX/XX/2017. The judge allowed XXXX in attorney fees and they charged me {$54000.00} plus {$5000.00} in committee fees and would not reinstate the loan at the final hour unless I paid that amount in full. The next day they were going to have an auction for the sale of the house so I was forced into paying that amount so I didn't lose the house that I owned for 20 years. I have reached out to the bank but they strung me along and refuse to pay me back. I just got a notice that XXXX XXXX sold the bank to Peoples United Bank. Both banks are located in Connecticut. This might be why they didn't feel it was necessary to pay me back. 

When you review the documents you can see they even charged the amount from the morning of XX/XX/2017 from XXXX to {$59000.00} Thank you in advance for your help with this unfortunate situation.
My bankruptcy was discharged in XXXX of 2013. I just saw my score on XXXX plunge by XXXX points after trying to build my credit the last 3 years. COMMONWEALTH FINANCIAL SYSTEMS for XXXX sent something to the credit bureaus but showing a XXXX balance which has hurt my score substantially. This was all taken care of in the bankruptcy in 2013. Please help me to get them to fix this with the credit bureaus.
I HAVE SUBMITTED COUNTLESS DOCUMENTS TO VERIFY MY IDENTITY AS WELL AS CONSTANTLY HAVING TO GO THROUGH A SEEMINGLY ENDLESS VERIFICATION PROCESS EVERY TIME I USE MY CARD. THEY KEEP LOCKING THE ACCOUNT AND THEN DEMANDING TO SEE ONLY MY DRIVERS LICENCE. I HAVE EXPLAINED NUMEROUS TIMES I DO NOT FEEL COMFORTABLE WITH SENDING THAT AS I HAVE ALREADY HAD MY IDENTITY STOLEN ONCE. THEY THEN TELL ME ITS THE ONLY WAY THEY WILL VERIFY ME AND THAT MY ACCOUNT WILL STAY LOCKED UNTIL I SEND THEM MY LICENCE AND ONLY THEN. THEY STILL REQUIRE ME TO PAY ALL FEES AND CHARGES ASSOCIATED BUT REFUSE ALL ACCESS TO MY OWN INFORMATION OR ACCOUNT.
I have been receiving credit card offers for the past couple of years through Citibank. Every time that I apply for a credit card, my application gets rejected. It is very frustrating to receive credit card offers every month and after applying at least three times, I continue to have my application rejected. I have sufficient funds in the bank and I have great credit. I work a full-time job as well. Thus, I believe that those are good enough reasons as to why I should qualify for a credit card.
" I sent in a letter requesting an investigation of inaccurate items on my credit report. I included a copy of my state issued photo id for identity and address verification and a copy of my XXXX. They sent me back a letter saying it was suspicious and possibly not me. I then called to confirm that it was in fact me that had requested the investigation, and was told by Experian representative that they do not accept dispute letters by mail. To me this is a blatant and intentional violation of FCRA, and they publish an address to send disputes to. ''
I have been a customer of Citibank for 15 years. The last few weeks have been a nightmare which has been affecting me and bringing up high stress level. On XXXX/XXXX/XXXX, My checking account was taken {$320.00} from my account without my consent by Citibank. I have been dealing with this matter since XXXX XXXX. Since, I ended up closing my account due to their inability to make stop payments from a company who i do not deal with anymore. Due to closing one account and opening a new checking account. According to Citibank, i was giving a credit by mistake which was my money from the beginning. I do not enjoy switching financial branches. Therefore, I ask you to help me with this matter.