WillisBack/dataset-financial-user-claim huggingface dataset:
I had a due date of XX/XX/XXXX, min payment XXXX. I set up weekly payments of XXXX, which were applied XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX. Since the XX/XX/XXXX payment was received & posted after the due date, i believe it should be applied to the XX/XX/XXXX payment. It was NOT.  They said because it was after the due date but before the statement closing date, it could not go towards the following months minimum. the next due date was XX/XX/XXXX. Payments were applied XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. I was accessed a late fee because they say only XXXX payments were received before the due date...even though they had XXXX payments before the statement closing date. If it cannot be applied because of statement closing date then due date & clising date need to be the same.
Please substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX IXXXXto the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Ability recovery services is attempting to collect {$880.00} from me. This is a result of identity left and I have no idea what it is for. I requested them to send proof with my written signature that this debt belongs to me. And they werent able to provide the information, but states the debt is valid. This account is reporting on XXXX and XXXX, but has already been removed from XXXX XXXX. This company is not registered with the state of Ohio secretary, therefore, they can not collect this invalidated debt from me
After Credit report disputes the Credit Bureau of Lancaster County , Inc . 
( XXXX County PA ) Is unable to provide an agreement of services or any signed document of a XXXX $ bill that is showing delinquent on my credit reports. 
They did however request that I pay the bill and request that it be removed from my report. I refused to acknowledge the debt. 
This is not a debt that I agreed to nor did I authorize. 
I was willing to actually pay it if it were completely removed from all XXXX major credit reporting agencies of which the Credit Bureau of Lancaster County , Inc . Refused.
The company offered me a settlement and allowed me to make payments on the settlement thru my garnishment. At the end of my garnishment the company begins to tell me that I was to have made a voluntary payment without the garnishment. The settlement letter did n't include this nor did the representative explain this when she put me on the settlement. Now that I 'm at the end of my arrangement and met the before the deadline. The company is telling me that I should 've made a voluntary payment. I 'm very upset about this I 'm trying to resolve my debts and need them done in the correct manor following all consumer laws
Attempted to request for a workout option to keep home with lender and was denied for only one option ( modification ). Was told there was no other option and could not reapply for a modification. Lender requested that 50 % of past due amount would have to be paid upfront before any consideration of a repayment plan. The amount was estimated to be over {$7500.00}. I do not have that amount of money. I have attempted several times to negotiate with the lender and have provided all requested documents. I want to keep my home after residing there for XXXX.
I had given the run around that I would be able to pay but when I finally told them that I did not have the money and that I would pay it off as soon as I got my taxes and that they had been filed they said they would have to continue the collection. I told them ok I understand. They have been calling me daily and I tell them the same thing daily, that I am unable to pay but I will be able to do something at least by the XXXX. Today I did n't even receive a call and XXXX, the manager, said that she just decided to call my references instead because I was going to tell her the same thing. I have been answering now and being honest and now I am at the point that this is harassing and it is very stressful because I am doing the right thing now by being honest and I answer and I tell them as soon as I get paid I will pay it. She told me that it was policy to call my references when I continue to give them the same answer every time. This was for Western Shamrock in XXXX, XXXX. I talked to one of my friends that has a loan with them that she still owes them and they do n't do this to her. XXXX, has even called my job wanting to know what she needed to do put a garnishment on an employee that worked for my company. I am fed up.
I recently applied for a CHASE SLATE card and received a letter stating that they needed government ID to verify my address. I provided a copy of my driver 's license and Pa Voter 's ID card to verify it along with a copy of my Social Security card to verify my identity. When I called back today, I was told these were n't sufficient under the " Patriot Act. '' There is a Post Office connected to my building and I explained that XXXX credit reporting has put an incorrect warning in my file that my address is a mail drop location. I advised CHASE of this but they did n't seem to want to review things further. I 'm very legit, I work in Law Enforcement and offered to provide copies of additional credentials but to no avail.
have been a member of transunion reporting service for over 10 years, went to check my report the other day and my service was cancelled and i was told i need to reapply and pay double my old rate. my credit card was still active and yet we never received any messsages about why they would have cancelled the service. they claim my card had expired yet it is could through XXXX 2016, then they said i cancelled the service which isnt true. when we contact them they shift us from on uneducated foreign speaking person to another. then they will not let us speak to a manager to escalate the issue and then finally provide us with name of a person who when we call to talk with him he is never in. finally whoever then we are routed to wants to start he discussion from scratch as if they have no notes of our complaint or our conversation. we have also filed a complaint of consumer frauf with the illinoi attorney generals office
I disputed an account being reported ( erroneously ) as mine by XXXX XXXX XXXX on my credit file. " I wrote XXXX XXXX XXXX XXXX XXXX of 2016 ( see attached document " XXXX XXXX XXXX XXXX '' ) to dispute the debt and I received their letter dated XXXX XXXX, 2016 ( see attached document " XXXX XXXX Response XXXX XXXX '' ). In it, you can see that have not provided any source documentation as requested and that the letter was not sent within the thirty days allowed for them to respond. XXXX XXXX XXXX has failed to prove that I have any account with them and yet, Equifax continues to report this bogus account. This constitutes a violation of Section 623 ( a ) of the FCRA and I demand that they remove this erroneous information and deleterious account from my credit file.
My car was repossessed on XX/XX/2017. It was a Sat and all the businesses to get the situation handled were closed, so I had to wait until Monday. That Monday ( XX/XX/2017 ), I called Toyota and the first man that I spoke with told me that the amount would be {$710.00} and some change. I informed him that I could pay that and he said that I needed to wait for a letter that states the rest of my fines and that they had 3-7 days to get the letter. I asked what fines and he stated that of the towing company. With that being said, I called XXXX in XXXX which is where my car is. I asked them what the amount was going to be to be able to get the car after I pay Toyota and they stated that they were waiting for Toyota to send them the letter and without the letter they ca n't tell me anything. We have been struggling and I understand why they took the vehicle but I have been trying to pay Toyota now for 5 days and today marks the 7th day that my car is still in the impound. I have no idea how much money is accruing everyday on their lot, Toyota wo n't even let me pay them and I have no idea what else to do. I am XXXX and just wanted to get the situation handled as quickly as I can and Toyota is making it impossible for me to get my car back. I have been willing and offering since day 1. My husband and I were struggling to make payments and have told Toyota that we understand why they took the car but that we just want to get it back. I have spoken to managers, I have called at least 3 times a day since that Monday and still have gotten nowhere. I have appointments coming up ( I have XXXX ) next week that I have no idea if I will be able to go to because I do n't know when they are going to receive this letter that they keep talking about and not taking a payment. Everyday the cost increases. We are already struggling and the process to get our car back only racks up more charges and makes it more and more expensive. They say that the letter is required by the state but I have not seen anything in my research about this letter but what I have found is that I am not the only one in this position. They have even taken full payments before and still make their consumers wait 10 days before being able to get their cars back. Ridiculous. I am a willing customer who understands why her car was repossessed and have tried and tried to pay to get my car back and am constantly being pushed back. My husband is on the road and I have no other means of transportation and I am XXXX. I do n't know what else to do and need help.
I opened up a CitiGold checking account back in XXXX 2015 using a promotion that would give me XXXX XXXX points once I make XXXX qualifying payment each month for 2 months following account opening. I completed the payment requirement, but as of today, more than XXXX year after the completion I have not received those points. I attached a conversation with CitiGold representative on XXXX/XXXX/15 which confirms that I would receive my points as well as emails with my Citibank personal banker as proof.
I was contact on XX/XX/XXXX by phone and a voice mail was left. I was told to call XXXX about a complaint that was filed against me. I was contacted by a XXXX XXXX XXXX representing nationwide court services in Washington. He said they were scheduled to deliver court documents to me and also to my mother in law at her address. The number that was given connected me to a XXXX XXXX XXXX XXXX in which I spoke to a XXXX XXXX XXXX who said that if this debt was not settled now that I would be taken to court and have my wages garnished. The debt in question is from XX/XX/XXXX which violates the statute of limitations in Ohio to threaten me with legal action and wage garnishment. I requested numerous times for this gentleman to provide me with a letter of validation in which he said he was not obligated to do so. He was demanding we set up payment arrangement with a check or card. I questioned why a certified check would not be accepted. He would not give me reason but only stated it was not an acceptable method. At no time did he recite the statement that I have heard many debt collectors recite that this was an attempt to collect a debt and any information obtained would be for that purpose. Neither did he advise me that the call was being recorded. I also questioned why the firm he represented was not found when I searched it on the internet. I was told it was because it was a private firm. I also requested to see proof that his firm obtained my debt legally in which I was also refused.
I received a credit card statement from a XXXX credit card under the bank of America for a purchase dated XX/XX/2018. The problem is that I have cancelled this credit card TWO YEARS ago. When I complained to the bank- spoke with XXXX XXXX # XXXX, they also were baffled how this happened but claim that they can put charges through on a closed credit card account??????? 


This sounds like banking fraud!!! if I close an account it is closed and not open forever!!
I went online to choose a credit card becuase i have some travel plans coming up and need to purchase tickets now. I read and compared offers, I choose the Capital one venture card because it offered zero percent for a full year and then stated would be 12.99-22.24 % based on your credit worthiness. I was also looking at this ending score after one year. I was approved for the card right away but was given the offer of 22.24 %, my credit score XXXX, I feel it 's pretty good, maybe not the absolute best. I feel their company is providing false advertising. Many companies are trying to pull this, if after one year the ending score is over 15 % I through it away. They should n't tell people 12-22 % when they have no intention of giving that interest rate. I called them to ask if I could negotiate this rate and they told me its all computer calulated so NO!!!
My mortgage was sold to PNC Mortgage, an out of state company. In order to make my monthly payments, PNC requires that they receive my payment by the due date. However, because I do not have an account with PNC and can not get an account, they charge me a fee of {$7.00} for the privilege of paying them on line. I have tried using regular mail, but USPS is unreliable. Even with using Priority Mail, it has taken up to 9 days because USPS for some reason first sent the payment to the wrong state. As a result I incurred both a " late payment '' on my account and an {$87.00} late payment fee. It seems that there needs to be rules which regulate what banks can charge as fees. And if the bank does not have a local - walk in method for payment - they should make it possible to make online payments for free or very low cost. {$7.00} to pay your mortgage is too much. I think {$1.00} or something is the maximum which should be allowed. Over the life of a 30 year mortgage, a monthly {$7.00} fee adds up to thousands of dollars.
I requested a debt validation on the alleged debt from XXXX XXXX XXXX of {$550.00} from ERC. I received a response from ERC with an XXXX XXXX XXXX bill dated XXXX XXXX. I contacted XXXX XXXX XXXX and they said the debt was in collections in XXXX! This debt was purchased by several collection agencies starting from XXXX on XXXX/XXXX/XXXX then to XXXX on XXXX/XXXX/XXXX, and then to ERC on XXXX, XXXX, XXXX. The original delinquency date on the account first became delinquent has changed several times by the XXXX collection agencies. Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the XXXX year time frame does not start over when an account is sold or transferred to a another lender or collection agency.The recent collection agency ERC reported that I just owed the debt in XXXX XXXX when it was originally in XXXX.
I have been a netspend customer for 7 years. I have worked for the same company the entire time and i have my bi-weekly check direct deposited into my account. This week i received a bonus which put my account balance over the maximum on the card. As a result my account was frozen. I immediately called in and they said i needed to provide proof of deposit from my company. Our payroll department immediately provided. Then radio silent. I called back in XXXX hours later to check status. Customer Service informed me that they had all they needed but it take XXXX hours to process. Fine. So after the XXXX hours expired i called back ( XXXX time ). The rep told me that she did n't know why it had n't been unfrozen but assured me they had what they needed. So once again i hung up. then XXXX hours later i called again. I asked to please talk to the documents department and they said they can not call them. But they emailed. Low and behold right after that email went i receive a notice that they still have n't received the documents they need. Now keep in mind no one told me any documents were required beyond proof of deposit even though i asked XXXX people. So i immediately sent the documents. That was at XXXX yesterday. So i called again last night at XXXX to check to see -- what else was needed, what are next steps. Again nothing other than it takes XXXX hours. So this morning i call back ( call number XXXX ) and once again there is no update. Then they transfer me to the fraud department. The fraud guy says he does n't know why i am there and puts me back with customer service. So the new customer service agent asks for all of my informaiton again and then says i need to hang up and call back in. that is when i lost it. Finally i spoke to a supervisor who supposedly sent another email and apparently was going to document that this needed to be escalated. I am now back on the phone ( XXXX call in but XXXX person i have spoken to ) and she said they ca n't address until monday because the people are n't working. BRAND NEW NEWS. So i am on hold once again waiting for supervisor and all of this time my money is locked down. Once again i understand need to do verifications but this is insanity and i honestly feel like i am losing my mind. This whole process has to be illegal. I honestly can not believe that not XXXX person can get a clear status update. What they do n't realize is that this completely messes up people 's lives severely. Sad, tragic and completely has me in tears.
On XXXX XXXX I opened a dispute with Bank of America on a payment I made online with my checking XXXX XXXX, XXXX to the Ma XXXX XXXX XXXX my payment of {$320.00} for dental insure was to be made by XXXX XXXX, XXXX. For some reason the XXXX XXXX had been cancelled on XXXX, XXXX and the customer service dept XXXX was unable to fix it. I told the XXXX XXXX that I needed a refund if my insurance was cancelled and my payment was for XXXX and XXXX they said to file a dispute with my bank. Which I did on XXXX XXXX Bank Of America gave me a refund of {$320.00}. They said an Affidavit would be mailed to me in the next week and that I needed to fill it out and send it back which I did the first week of XXXX to XXXX. O XXXX XXXX I had a message on my phone saying they had not received my paper work yet. I called the claims department at XXXX pm I was on the phone with a lady in claims she said it would be best to have her fax the page to me and for me to fill it out again and fax it back which I did to XXXX I used my access line with XXXX I had a copy of the fax and it says received.I was told the claim was all set as long as the merchant did not dispute my claim which they did not they had given me a reference number XXXX that would pull up the credit. On XXXX XXXX I got an email notification that my account was over drawn by {$400.00}. I thought we were victims of fraud but I was told that they took back my credit of {$320.00} because I did not send back the affidavit which I had done over a month ago. XXXX in the Claims department was rude told me too bad its done and that they do Not ever reopen an investigation that it was my fault?? I told him I had proof and could sent them the fax report he kept arguing with me I demand a Manger and was transferred to XXXX he asked me to fax the affidavit to him directly at XXXX which I did as soon as he re faxed the paper to me. XXXX told me to call back Wednesday XXXX XXXX. I did at the number he gave of XXXX turns out to be a general number for the claims department. I spoke to a XXXX and she said they ca n't help because I have still not faxed the affidavit back? I told her the number XXXX gave me and she said that it was wrong had no idea where he got that she said to fax it to XXXX which I did. Meanwhile that bank has returned XXXX automatic payments from my account and bounced 11 items from XXXX XXXX. It 's XXXX am and I have spoke to two supposedly mangers at B Of A claims and they are claiming that I have not faxed them yet and when they received my fax it will take them two days to look at it i the meantime they said I will continue to have bounced fees. XXXX in XXXX said she is just an account Manger and unable to assist me.
the collection agency put me on the phone and had me get into my personal business of why i stoped paying for the debt and asked why i am XXXX and had me repeat it like 3 or 4 times to make me feel bad or gulity about the whole situration and then asked why i broke up with my fiance .. and then asked how much is in my checking acount. The agency name is atlantic Credit and fiance incorporated
I am having a problem wi th Chase  updating my transactions with   XXXX   XXXX   with whom I use on a weekly basis for extra money.
Hi, This is regarding the XXXX XXXX wheel warranty. While financing my vehicle ( XXXX-2017 ), it was asked me to take extended warranty, Tire and wheel warranty and XXXX XXXX wheel warranty. Having no choice I agreed. After few months I requested to cancel my all warranties. After long follow up, the XXXX XXXX XXXX XXXX was able to cancel Extended warranty and tire and wheel warranty but not the XXXX XXXX Wheel warranty. I have been constantly following up with XXXX XXXX XXXX finance team. Even they are not able to produce any signed document in this regard and first they asked me to check with XXXX wheel directly. I called them and they denied that they do have any copy with my sign. At end the dealership agreed and confirmed that they got confirmation from XXXX company that my warranty has been cancelled and amount will be deposited in my loan account. After 2 and half months the amount is still not credited. I have following concerns ( 1 ) I think  XXXX XXXX XXXX charged me extra without getting my signature on agreement and thats why no one has a copy of agreement of XXXX XXXX wheel warranty ( Including me ) ( 2 ) I think because of some financial glich the dealership is not able to tell me the truth and delaying the credit in my account
Open my account at XXXX years old, at the time I was young and dumb service rep stop me to have me open up a phone line. He never asked for my ID just my social. He said I was approved for XXXX lines I got caught up on his pusuation so I took the offer. I felt behind on payments because I was just a new dad so I could n't pay. I 've made several calls to let them know and they did n't care.
capital one has made a blanket decision to block ALL cryptocurrency related transactions, claiming volatility and fraud. i have confirmed that i am making the purchase and still they refuse. i pay my bill on time every single month. this is an obvious attempt to prevent the cryptocurrency from taking part of their profits and therefore illegal. when did preventing free market and competition become acceptable in this country? might as well move to a corrupt country like XXXX. class action lawsuit is inevitable.
I have been trying to contact each credit reporting services but is unable to find a telephone number to a live person to explain myself to. I have found numbers on line but sometimes are routed to sometime of third parties that charges some type of fees. Then tell you after your credit card is charged that they will forward your concerns to the credit agencies.

I have also tried to fill out information on one of the agencies site but is being rerouted to third parties cites.

I understand that you not be able to do a lot but I thought i would try reaching out to a government official site Thank you