WillisBack/dataset-financial-user-claim huggingface dataset:
I took a {$750.00} Loan on XX/XX/18 from XXXX XXXX XXXX XXXX ( XXXX ) I made two payments as of XX/XX/18. 

First payment made was on XX/XX/18 Second payment made was on XX/XX/18 My balance on this {$750.00} loan is {$810.00} as of XX/XX/18. How can this be after making {$360.00} in payments? The balance is going up! Highway robbery!
I purchased a vehicle in  XXXX  from  XXXX   XXXX , they sold my loan to a third party finance/debt collect or Consumer Portfolio  services my interest rate is  XXXX  with  XXXX  per diem. This has caused any trade in to be  XXXX  negative and no one will refinance the loan because of the how much I ow e (  it is still at  XXXX  and I purchased it for  XXXX  ). When I extended my loan due to hardship I was not informed or told how that would negatively impact the loan even more. I believe there was misrepresentation, deception with this loan not to mention all of the phone calls they have sending to m e three and four ti mes a day every day. My principal payments have been very sporadic if any. This company had a class action suit in   XXXX   for the same reasons I am stating.
As you know, I have reported my identity was compromised. 

Police report and Identity Theft victim 's Affidavit were filed and mailed to the banking institutions, Consumer Financial Protection Bureau and OCC. 

I ask that the charges be taken out of my billing. 

Please respond within the next 30 days that the charges are removed as of XXXX XXXX, 2017.
OnXX/XX/XXXX I noticed in my account summary a request for replacement card fee and unauthorized mulitiple atm withdrawls totaling {$12000.00} dollars. I contacted chase that day and questioned who had requested a card replacement and if there was ever a card that was sent out I was told this was in error and that it would be cancelled. They then told me that a dispute form would have to be filed by me and then they would investigate the incident. On XX/XX/XXXX Some time later Once I received the form and sent this too chase they then made a determination that all the disputed withdrawls were valid. I spoke with someone at the claims department and was given as one of the determining factors in there decision was that there were no errors in inputting the PIN number during any of the withdrawls they then explained that if I wanted it to be reviewed further that they would need a police report but until that there would be no further investigation. 
I went to the police and acquired the police report and sent a copy too chase at which time they sent me a second decision that in their determination that the atm withdrawls were valid. I then spoke with someone at the claims department and was told one of the determining factors was that the transactions occurred in areas that I was known to travel along this was the explanation I was given and no other recourse in their judgement. 
I have requested too see or have them check the video of the areas where the withdrawls occurred, there response was that it doesnt matter that I could have sent someone and when I pressed them further they indicated that if I wanted too view the video that I should call the police and have them show me. 
There was never any type of notification alert sent to me about these withdrawls when the normal process is that I would receive a text message of transaction events this I believe might have something too with the request unauthorized card replacement request that I noticed on my account summary right after which these unauthorized atm withdrawls started occurring and a possible link to not receiving any text notifications. In my dealing with chase representatives they have not provided any information too shed light on any of these questions. 
Atm withdrawls normally have limits, but in a span of 3 days someone withdrew {$12000.00} without any notification sent to me, the explanation I was given is that it most likely occurred inside the bank atm which may has higher limits and so in a short span of time someone was able to do large withdrawls. Chase bank was unresponsive in my request to see video footage. I have a 20 yr history with chase In terms of my account with them I have never made any atm withdrawls during that period of time something which should have the sent off red flags for chase starting onXX/XX/XXXX the beginning of the atm withdrawls and ending onXX/XX/XXXX at which time they never sent me any notice of any of the activity.
Macy 's did not inform me that my interest rate increased to 18.99 % the end of XXXX 2015.
a person called me from XXXX said they want to lower my interest rates on all of my card i asked what company they represented they named many companies including XXXX, XXXX XXXX XXXX , visa, master card, XXXX XXXX and others. I was getting suspicious asked if they represented all of the companies they said that my name came from the experian credit reporting agency.
AFFIDAVIT I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. 

My name is : XXXX XXXX XXXX File Number : XXXX ( XXXXXXXX XXXX ) Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX  XXXX My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX
Hi, I was told by Bank of America that the {$55.00} foreign transaction fee placed on my account from buying airline tickets off an XXXX website in XXXX dollars was non-disputable. I am unhappy with this response, and it raises a XXXX questions:XXXX ) Why was my other {$0.00} foreign transaction fee able to be waived so easily over the phone? They say on the report that it was a " business decision ''. I am certain that Bank of America can make the same " business decision '' to waive my {$55.00} fee as well. 
XXXX XXXX Other people who have had the exact same issue as me - buying airlines tickets and being charged a foreign transaction fee by Bank of America - and got this fee refunded. 
XXXX ) How is my {$55.00} foreign transaction fee different from the above XXXX cases? Please elaborate. 

I know that Bank of America has the ability to lift this charge. 

Thanks!
Hello, As I was looking at my XXXX Credit report, I found that Southwest Credit Systems was listed. I had never heard of this company and did not know why it was on my credit report. It was sometime that I realized that it was a collection agency I guess hired to collect on a old XXXX XXXX bill. It was then that I realized that I had already paid this old bill off directly to XXXX XXXX and that is why I was able to renew internet services from XXXX XXXX, which is not XXXX. I had NEVER received anything from this company and do not understand why thy are being allowed to place this old and already paid collection on my credit file. I have never had any dealings with this company. 

Back in XXXX I submitted a debt validation to XXXX and several additional times over the course of the last few months have requested verification of any dealing with this company. as stated before, I had already paid this bill Directly to XXXX XXXX. This company continues to have this on my record even though they are fully aware I ahve had not contact with them.
I took a loan out for XXXX over a year ago, with this company online. I made the payments and then they started taking out every week. The amount paid was XXXX per week. I contacted the company and spoke with a representative and advised it needed to stop, I set up fraud with my bank to have them stop. I got a new debit card. Last week I had a hit of over XXXX via ACH to my checking account, which is insane. I have attempted to contact the company but no one will follow up. I can't afford this kind of withdrawal, especially when I reached out to the company and had advised them to stop taking this out. Currently I have opened up another case with my bank. I had made several payments of over XXXX which should have paid in full and then they still take money out. I thought that was stopped and then they do this 6 months later.
Capitalone- I have a capital one quicksilver card.. It was issued to me with the promotion of no apr for one year and a credit limit of {$3000.00}. After the year my apr was supposed to start as 12.99-15.99 % based on credit worthiness. During my intro year I was happy that my credit limit was doubled. It was doubled to {$6000.00} because of my good payment history and good credit worthiness .... I used my card a lot after this increase l, feeling as though I was developing a good relationship with capital one and my new card. My apr kicked in this month while I have a balance of over {$4900.00} ... I was surprised my apr is 22.99, higher thanI have ever had on a card. It feels as though I have been tricked into this debt with this incredibly high apr. I 've never missed a payment and my credit is strong. It 's bad business on capitalones part, and they will do nothing. So here I am..
My online account shows a positive balance of {$170.00} and yet on XXXX they hit me with XXXX overdraft charges of {$170.00}. which put the account negative and then they hit me with another {$100.00} overdraft fees on XXXX and XXXX. XXXX of the charges were for less than {$10.00} and yet they told me any overdraft under {$10.00} would not have such a overdraft fee. They also re sequenced the charges so as to maximize fee. The same game that they were had class action suits for. The account is {$160.00} negative only because of there {$280.00} overdraft charges over XXXX days
Over a period of months they've contacted my neighbors, my siblings, my sister-in-law 's parents, and engaged in harassing phone calls when they know how to reach one of my parents and myself. The purpose is harassment. Having learned the nature and background of this loan service provider who bought my loan supposedly from XXXX XXXX, I refuse to deal with them. They've repeatedly violated federal and state Fair Debt Collection Practices, and engaged in profane, abusive and harassing patterns of conduct. I do NOT trust their reputation given their proclivity for fraud to enter or sustain any contractual relationship with them nor repay loans with them as the student loan service provider of record, and I request injunctive relief from the U.S. federal government, including but NOT limited to forcing their resell of my student loan to another service provider. 

I would prefer to have my loan resold to another loan service provider. I will NOT voluntarily enter into a contractual refinancing of my student loan with Navient given their reputation and the present allegations made against them by the CFPB and the Attorney Generals of several states from Pennsylvania to Washington State.
I am a member at the XXXX XXXX XXXX XXXX in XXXX XXXX, Florida. The credit union mistakingly, and without my knowledge, reported a charge off from an account that I was not privy to. I went to the credit union and they admitted their mistake and said they had removed the error from their end. I also sent a dispute to Experian to erase this error. With the dispute I included a letter from the credit union stating that it was in error and should be removed. IN UNDER 24 HOURS, Experian sent me their findings that the error in question was verified by the credit union as legitimate. This is impossible as I went to the credit union in question, and they told me that this was definitely a mistake and then they issued me a letter of explanation to send to Experian, XXXX  and XXXX to get this erroneous entry off of my credit report. I did all of these things yet Experian denied this. With thousands of complaints coming into Experian weekly, I find it odd that they handled my claim in under 24 hours, even when their website states it could take up to 30 days. It would appear that whoever was tasked to handle my case just pencil whipped the results without calling anyone. How in the world can these credit reporting agencies have THIS MUCH POWER yet they answer to nobody?!? There is nobody at Experian a consumer can speak with, you must go theough their dispute resolution office which is completely unhelpful. They should be shut down. 

Additionally, I have sent them paper copies of everything via the US postal service which they probably havent received yet. I have also contacted XXXX  and XXXX  but their dispute investigation ( s ) have not been completed yet.
I have been working hard towards keeping my credit in a good place and am currently trying to power pay on the Private Student Loan I have with the highest interest, while they ( the other XXXX I have ) are in deferment. The last time I checked my credit score was about XXXX and I contacted First Mark ( the private loan holder ) to see if I was able to refinance and they told me no. I just feel like 8 % is a lot for me to be paying in interest and was wondering if there is in fact a way to lower this loan so the extra payments I am paying will be worth it. Also, they told me that there is no way to put those extra payments ( After making the monthly payment ) directly towards the principle. I 'm also not sure how true this is either.
XXXX and XXXX both were sent documents that showed I was never late on Exeter Finance and they refuse to view my documents and fix the error. The company say that they use the day they process and not the actual day they receive payments and paper work.
On XXXX XXXX I went to the Citizens Bank on XXXX XXXX, in XXXX, MA and gave my son 's bank information in XXXX and wired {$200000.00} to XXXX do XXXX, where my son has a checking account. ( My son lives in XXXX ) On XXXX XXXX, I 've realized there was a mistype in the XXXX he gave to me. I called the Citizens Bank Wire Department and was able to fix the number and they told me the money would be available in XXXX on XXXX XXXX. 
Until XXXX XXXX XXXX, the money has not arrived in my son 's checking account in XXXX, but left my account on XXXX XXXX. 
I 've called Citizens Wire Department many times and they told me the money was transferred to XXXX XXXX XXXX and that XXXX XXXX XXXX would be responsible for that wire transfer. 
I 've asked if they could trace the money since it 's been more than 2 weeks, they ca n't. XXXX XXXX XXXX is the bank responsible for that and if XXXX XXXX XXXX has not called them to say something went wrong, they do n't communicate with XXXX XXXX XXXX, they assume everything went well. Although I 've been calling to let them know it has not. 
They also told me I could start a process to get my money back in my checking account with Citizens but I would lose the fees I 've paid for the wire transfer to be made. 
I just want to find out what happened to the money. Even if there was something wrong I should have gotten a phone call or something.. This is not the way a Bank should treat a client/customer who trusted the Bank. This is disrespectful! 
Another thing, they should clear state to the customers they are NOT allowed to do International Transactions and that their money is going to be transferred to another Bank for the transaction to be complete. 
I 've got all the dates and time I 've called the Wire Department at XXXX XXXX - XXXX ( XXXX XXXX XXXX XXXX minutes on the phoneXXXX XXXX - XXXX USA - XXXX minutes on the phoneMarch XXXX - Director of Bank - XXXX minutes on the phoneMarch XXXX - XXXX - XXXX minutes on the phoneXXXX XXXX - XXXX ( that day finally the lady told me they 've started a trace and someone would give me a call ) XXXX XXXX - One of their employees finally called ( XXXX XXXX ) but until that day they did n't know what happened to my money. 
I just want Citizens Bank to be responsible for the deal I 've lost in my country - that money was supposed to buy a condo and, of course, I lost the deal! 
I want Citizens Bank to trace all my phone calls ( They 've been recorded ) and try to figure out WHY their employees did n't take an action on XXXX/XXXX/15 when I made the XXXX phone call to complain about a delay ... They should know better. 
I used to work for the XXXX XXXX XXXX XXXX and they call their customers because a {$1.00} coffee. What about Citizens? what do they do for their costumers? 
I would appreciate someone to please investigate this case and force Citizens Bank to improve the way they treat their costumers and solve situation. 

Sincerely, XXXX
In roughly XXXX of 2015 my mother and I registered with this company to handle my student loan account that had gone into deferment status. Anytime I spoke to their customer service they seemed extremely legitimate and we have thought so for OVER three years. We were told to pay an up front fee of I believe either {$250.00} or {$300.00}, and then my monthly student loan payment was {$59.00} for the first 24 mos, and it was then lowered to {$39.00}. I have paid nearly {$2300.00} to this company to handle my student loans-to only now find out that according to the XXXX XXXX XXXX XXXX NONE of this money has gone towards my student loans, and I am now in delinquent status. I was also made aware that this company created an account for me with XXXX XXXX XXXX under a username I would never have created-which is identity theft.
I have submitted multiple letters to Experian requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from Experian providing the proper validation of the debt.
Keep calling to collect debt for unknown person. Ask for " XXXX ''. No one I know. Keep calling over and over and over despite asking to be taken off their calling list. They hang up as soon as I ask to be put on their do not call list. Now they are blocking my calls to them. These calls are harrasment. Scammers?
I was sued at an address I no longer live at and have not lived at in 6 years. I was not aware of the suit and was unable to show up to court. My bank accounts have been garnished 3 times by the same collection agency with the same paper work from a suit filed twice for the same amount of money. I tired to tell the collection agency the 1st time they did it but they threatened to tell my employer and continue with even more litigation. I was scared and started to pay on a debt that I did n't even understand. I stopped once I lost my job and then another suit was filed where I do not live and that caused this most recent bank account garnishment.
2 of the 3 Credit Bureaus, including XXXX and Experian, restrict passwords for personal access to your account to only 9 Numeric-only characters. 

In this age of data breaches, it is completely unsafe to use a short numeric only password.
I have a joint account with my son. On XX/XX/XXXX he made a mobile deposit for {$820.00}. He thought the deposit did not go through accurately so he took the check to the ATM and deposited the same check. Wells Fargo decided to reject both transactions. The bank then sent a letter and copy of the check back to me. On XX/XX/XXXX I took the copy of the check back to the bank. The teller and branch manager proceeded to tell me that the check was valid and thus, they deposited the check. Then on XX/XX/XXXX, Wells Fargo rejected the deposit again. I was told I had to go back to the maker to get a new check. However, the maker claims that Wells Fargo cashed the check and thus will not provide a new check. Consequently, I am still out {$820.00} and Wells Fargo refuses to return my money. What recourse do I have? Clearly Wells Fargo stills has my money but refuses to reimburse me.
Wells Fargo Mortgage is punishing us for reporting them to HUD for not following FHA guidelines. We were XXXX out of our home, a XXXX, and did not make our full payments for 9 months while the house was repaired. HUD / FHA guidelines state that mortgage companies should not report for 12 months after a XXXX when the borrower is paying as agreed. We had an FHA mortgage with Wells Fargo. We learned too late that FHA and HUD protects XXXX victims. Our congressman intervened and HUD told Wells to follow guidelines, but we had entered into a contract to sell the home. If they had done the job correctly and offered the options up front, which would have allowed us to keep our home, they would not be able to report the late payments. HUD can not help because we sold the home to avoid foreclosure ( we did not refinance under disaster guidelines because we did n't know of them ). Wells Fargo Mortgage refuses to stop reporting despite knowing they did not initially follow HUD / FHA guidelines. It is obviously punitive for the complaint to HUD. We lost tens of thousands of dollars of property in the flood and were left homeless for a period of time. We had nothing except the clothes we were wearing when we were evacuated. From forks to pillows to underwear, etc, we 've had to replace everything and it 's been hell. Well Fargo Mortgage does not care. It is actually XXXX specific individuals in the mortgage servicing area that continue to not follow FHA guidelines. They must have the account noted ; no matter what method we use to voice a complaint, all contact associated with our mortgage ends up with XXXX of them. We at first thought that the reason they continued to justify the negative reporting was because we complained to HUD, but after speaking with each on the phone it is obvious from their statements that it is because we 're a XXXX couple. HUD guidelines specifically state that there should not be any reporting for a twelve month period after a national disaster, but these XXXX individuals continue to come up with any reason they can because they are XXXX. I question whether the culture at Wells Fargo Mortgage in general is XXXX or just this department, but I seriously recommend any XXXX couple think twice before doing business with Wells Fargo Mortgage.
I ready pay but they apology for forgeting to put it in I Talk to the R & rcolection and they say they going to fix this I pay that XX/XX/XXXX and they send me to the colection agency on XX/XX/XXXX and until XX/XX/XXXX they stil charging me for that bill
insurance co. sent additional bill. I called mortgage co. And told them not to pay from my escrow account because I had already paid it. After 1 hour and a half on the phone explaining it, they paid it out of my escrow any way.