WillisBack/dataset-financial-user-claim huggingface dataset:
I have a checking account with wells Fargo that was in the negative for 6 weeks after I continually asked Wells Fargo to refund some of the NSF charges that they charged me, which was XXXX. They refunded XXXX, I expressed me begin a valued customer and I am interested in bring my account in the positive could they refund XXXX more fee. I had originally asked for XXXX, but they only refunded XXXX. So I continually asked for XXXX more. They said no. After my account being in the negative 6 week. They took money from my other checking account without my authorization to clear the negative balance in the other checking account I have with them. The complaints I have is that Wells Fargo was not welling to refund XXXX more fee, which financially would have made me able to settle the negative amount. The other complaint is they took money from my account without my authorization.
I filed a complaint XXXX/XXXX/XXXX XXXX about my money I have sent every month not being applied to my mortgage loan. They have not applied a payment to my account since XXXX XXXX. Every time I called before I filed a complaint which I started calling 6 months before I filed an complaint and every time they told me they were looking into it. Okay seven and a half months later it is still not resolved. When I filed the complaint almost seven weeks ago I was told it would take a couple of weeks. Hey people we are living in the XXXX. You have the money. One phone call should have taken care of this. You call the branch where the money is held and you tell them to release it. You send me an updated XXXX. You call the credit report people or better yet sent them a letter letting them know I have not missed my payments and please adjust my credit score. Do I need to get a lawyer?
Received a call on XX/XX/XXXX will include. 
Called number they had last 4 numbers of social security number. 
Someone name XXXX told me I owe around {$2000.00} plus for credit card XXXX XXXX XXXX. 
If did not pay now. I will be charged a court cost that would make around {$4300.00}.

I did let him know that I could not recall the card He told me I open it in XX/XX/XXXXand XX/XX/XXXX it when it went bad. XX/XX/XXXXtill now just getting informed. No written letter! 

After getting my brain to work - I called again Same person told me that I open account in XX/XX/XXXX- went bad in XX/XX/XXXX this time. 

Told him needed to ask 2 questions date of last activity & when did they received this information. He refused to answer. 

If this debt is minds it would be time barred California credit card 4 years )
In XXXX of 2016 I added a charge of approximately {$600.00} to my Wells Fargo XXXX XXXX credit card. This amount qualified for a 0 % finance charge if paid within 6 months. In XXXX we called the company to ask how we could be sure the new charge would be paid in full since the increased minimum payment amount would not fully pay off the promotional balance. The representative we spoke to in XXXX said that anything over the minimum amount due that we paid would be applied to the promotional balance. For our XXXX and XXXX payment we paid over {$200.00} more ( combined ) than the minimum due. None of the additional amount applied to the promotional balance. Instead, the amount was applied to the larger balance which is at a promotional 6 % rate, allowing for equal payments over an agreed amount of monthly payments. On Monday, XXXX XXXX we contacted the company with the support of a Wells Fargo personal banker to find out why the payments were not being applied toward the promotional balance. The credit card company 's agent stated that " the law '' required their company to pay off the larger balance with any amount paid over the minimum amount. She also said that there was no way for us to pay off the promotional balance unless 1 ) we paid the full balance on the card in the next 4 months or 2 ) we waited until the final two months of the promotional term and then any additional amount over the minimum due would apply toward the promotional balance.
I 've had a loan since XXXX XXXX with XXXX, now Springleaf.. 

Last month they failed to withdraw the regularly scheduled payment and sent me an e-mail saying I needed to contact them about an important matter regarding my account. The e-mail was sent on XXXX XXXX, XXXX. 

I called, not knowing what the problem could be. I was told by a customer service agent that I did not make my payment for the month of XXXX ( which is normally withdrawn by automatic payment on the XXXX of each month. ) I asked how and why this happened and was made to feel that I was at fault. I asked to speak to a manager. I spoke with XXXX XXXX XXXX and he proceeded to tell me the same thing as the customer service rep. They both indicated that payment had been sent to my bank, and the bank told them there was no account with the number they submitted. I asked what changed since the beginning of the loan, we have never had any such issues previously. He finally admitted that they had made an error on their end, but still proceeded to make me feel it was my fault. He asked for a number to call me back later that evening after he could do some investigating, but I never received a call from anyone & have not til this day. About two days later I received a letter ( dated XXXX XXXX ) addressing me as if I had failed to make payment. A couple of days later, I received a bill indicating I had a missed payment. When speaking with them on the phone I asked why I had n't been contacted by them prior to this conversation, I was asked why I called them. I told them because I received an e-mail. I told them if there was an issue, why did n't you contact me in XXXX, not a month later. 

My question is should n't they have to cover that payment since they made the error? I have n't changed anything on my end since the beginning of the loan. They are now saying that I owe a double payment. I 'm currently waiting to see if the XXXX payment comes out of my account. 

What could be the reason that they changed my information and evidently put the account number down incorrectly. He kept saying they are now doing " direct pay '' and if that means I need to be sure to get the payment to them, why did they not ask me to set that up? 

I hope you can provide some light on this issue, so I will know my rights. Thanks!
XXXX XXXX, 2017. Ocwen financial servicing have been delay my modification even though I sent them all the required document that is the third time they made refill the modification package. they kept denying it. and I 'm paying very high interest on my mortgage. it is to much, I 'm at risk of not having enough money to pay the bank, and I ask them to tell they refuse. as I read online I see many other customer are having issue with them, and they were by the government for not following rule. I guest they have a bad culture. they do n't want to help customer instead of making it hard for them to lose they house
XX/XX/2015 my card was stolen. Charges were flagged as fraudulent by a representative in the fraud department. I assumed all was resolved and I received a new card. I used the new card until being called again by the fraud department. At this point I cancelled that card and a XXXX card was issued. XXXX stolen cards show {$0.00} balances when viewed online. So I assumed the fraud was handled. I attempted to add in the new credit card to my online account to no avail and never recieved a statement. I called a half dozen times where I was rerouted to XXXX customer service and no one could access the account of give me any details relating to what was owed etc. On XX/XX/XXXX I finally reached someone who advised me that the fraud has not been removed? It is on the new XXXX card and that the payment is past due even-though I am on auto pay. I am being told that it was reported as late. They will not send a statement since the account is flagged for fraud? Please help.
Hello, I paid off everything on my credit card bill. Even though I did so, they charged me the usual interest fee I owed, when in debt. On my new bill, they still want to charge me interest. Even though I do not owe them anything except for my few new charges. I have contacted them about this via secure message through their website. It seems that I can not contact them anymore. I also asked to cancel my card. No response. I need help. 
Thank you
XX/XX/2018 I was given a refund from an XXXX  seller in the amount of {$49.00}! I have told PayPal I have not gotten the money. PayPal has ignored my request to be called or emailed to find out where that money has gone. 

This is the second incident where PayPal was been given money on my behalf and has not put it into my account, both times the money was coming from XXXX.
I have been trying to get a loan modification with select portfolio servicing, every time they say the package complete i call back to follow up always somethng missing this has been going on for over 2 years< i fell behind in XX/XX/XXXX when my brother XXXX XXXX, then i fell behind again when i was layed off, but i manage to make the payments every month ,Last XX/XX/XXXX the interest went up to 3%, and this XX/XX/XXXX is going up to 4%, I believe there not even looking at my modification because i had idenity theft on my tax returns so i just learned that when they request XXXX im the only one that can get it, So every time i call they ask me for updated paperwork, I wish someone could listen to the recorded messages, So i would like to find out whats going  on, do they just make people believe they are going to get approved or just wait for them to fall so far behind they forclose on there house. I have owned my house for 41 years, please help XXXX XXXX
Disputing a debt showing on my credit report by XXXX XXXX for the amount of XXXX and XXXX

 I submitted a dispute on XX/XX/2018 via here I sent both my social as well as I requested from the company to show proof that it was my debt the company is saying that they sent debt validation which is not true all they sent was a paper that says XXXX XXXX XXXX and XXXX XXXX XXXX via here.

 Just sending a paper that shows someone's name similar to mine does not make it my debt no idea who either of those two people are and why is there a debt that is been said that is mine when is not.

No history of payments or written contract has been sent showing and reflecting that both of the debts are mine.

This is affecting my credit worthiness and my ability to obtain credit  I need both of this debts to be removed from the credit bureaus as well as  for this debt to be taken out of my name never had the accounts that it continues to say that I had.
I called trans union about removing unauthorized hard inquires on my credit report, and they refused to help me, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX , XXXX, XXXX, XXXX
I would like for someone to review my modification documents for two reasons. 1. I do not believe I received a fair mortgage modification due to the amounts being deferred and calculated and 2. They are requesting amounts outside of my modification agreement. 

My loan servicer has recently changed from XXXX XXXX XXXX to Shellpoint Mortgage and {$2500.00} is now appearing on my monthly statement as being past due. When I asked what is this amount, I am being told by the servicer, it is advanced corporate fees. 

I have enclosed a copy of my modification agreement and I do not see that amount in it. I have a previous complaint you can refer to for additional information. My complaint number is # XXXX.
My concerned is that chase advertisement for an authorized card holder user is false .... and it does n't give any benefits to the authorized user just bad ones ... I called Chase customer service 5 times even talk to a supervisor and all told me that being an authorized user will help with your credit history since it will be reported in your credit report. I was reported for more than 10 years ... and I remember exactly they told me it was the same as having a secured credit card just not having to put some money down ... so it does n't help you out it just hear user because if the primary account holder defaults on their card you get a mark on your credit report and ca n't be removed. I want this escalated or want a letter saying that being an authorized user will not help your credit score but if the person is late or does n't pay it will be marked in the credit profiles of the authorized user. this is why I think this application needed to reconsider or the inquiry denied ... because of the false advertisement..
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Contacted the company regarding apparent debt starting in XX/XX/2017. No  contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
Us B ankruptcy  XXXX  I went to the courts they have nothing matching my social security. They could n't give me proof because they do n't report to the credit bureau. They told me they could not help because they do n't have any record for me.
I have tried to prove beyond any doubt that my consolidated student loans were always in deferment. I have filed numerous complaint against XXXX XXXX XXXX, the servicer of my student loan. When this company took control in XX/XX/XXXX, I was still in deferment. Therefore, how could I ever be late on payments? I have never made payments while in deferment. On each credit bureau it shows that I was automatically 90 to 180 days late on payments. On Equifax it shows an instant 90 days late all the way up to 180 days late, then back to 90 days late. This is a complete fraud used by a debt collectors to hold my credit rating hostage. 

My XXXX shows from a perfect rating to an instant 180 days late in XX/XX/XXXX. 

My XXXX XXXX shows automatic 90 days late up to 120 days late. 

I need now the bureaus to investigate an abusive credit reporting process done by XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. 

I NEED THESE LATE PAYMENT HISTORIES PURGER PERMANENTLY!!!
Last year I was involved in the Experian data breach and a freeze was placed on my social security number and no one can run my credit. But I have 6 inquiries on my credit report that companies are running my credit without my permission even though it's a freeze on my ss # .I wrote all 3 credit bureaus explain to them that I didn't give anyone the authorization to run my credit and please remove the inquiries. The last time I ran my credit is XX/XX/2016 to purchase a car.Since then I have not ran my credit. I can not get all 3 credit bureaus to remove the inquiries. They told me to contact the companies who ran my credit and I did.Nothing was done inquiries are still there.
On XX/XX/XXXX and XX/XX/2018 my credit was ran for SYNCB without my authorization and knowledge. I now have two hard inquiries that state that it will be on my credit report for two years, and it also lowered my credit score. I have never applied to this bank. I contacted SYNCB and I was told that I had to dispute it with the credit bureau, that they could not help me.
My second submission of my application was denied by XXXX XXXX on XX/XX/XXXX. My credit score was in great shape after my first submission of all required documents in XX/XX/XXXX where I didnt have my mortgage yet nor did I apply for any student loans yet, but my loan servicer American Education Services ( AES ) & XXXX XXXX declined my 1st submission without adequately contacting me directly to let me know there was an issue with one of the copies I faxed since they claimed recently that it was illegible. However I have a confirmation page with screenshots from the fax machine that I used the first time to prove that AES equipment ( fax machine ) was faulty back then. I thought this was settled since my first submission because I was not contacted directly given the fact I have followed up with AES right after my first submission over the phone. This caused my brother a higher interest in his business loan because of your negligence in maintaining your fax machines. Now, the second time I had to resubmit my co-signer release form after I just got a mortgage, andapplied for few student loans for graduate school where my credit score is not as good as it used be  in XX/XX/XXXX when I did my complete first submission. AES is very negligent along with XXXX XXXX, not appropriately contacting the customer via the phone or direct email on a timely manner, which caused my co-signer extra financial burden in his business decision making! XXXX XXXX did hang up the phone on me twice when I tried to explain the issue at hand! When I met the minimum credit standards in XX/XX/XXXX, I never received follow-up or update after my submission. When I resubmitted the second time in XX/XX/XXXX, I received a letter from XXXX XXXX denying my request due to not meting the minimum credit standards. I called their dispute center as indicated on their letter attached below, and I got hung up on twice. Funny business. I will also seek legal advice regarding this matter if I have to since my credit history and my fax confirmation page & documentation are in my favor in this matter! Both XX/XX/XXXXXXXX and American Education Services have more than 300 verified complaints due to their malpractices towards consumers in the following links : XXXX XXXX XXXX XXXX XXXX XXXX There is a a need for regulators to crack down on fraudulent negligent firms like AES and XXXX XXXX .
I have a Mortgage with PNC which I am paying off. In the payoff statement they included a charge of {$390.00} for " Outstanding corporate advances ''??? When I called customer services, after 1 hr on the phone the representative could n't find any justification for this charges, then the supervisor joined the call and confirmed that THEY NEVER NOTIFIED MY OF ANY OUTSTANDING CHARGES, and that they have NO evidence of ever contacting me about any pending charges, she then said that they have the right to charge whatever they want because of the " language '' specified in the Security Deed, of which allows then to charge any miscellaneous charges they want, but she was not able to tell me where in the Security Deed says that nor to specified the referred charges. 
This is a typical abuse from Mortgage companies, that suddenly want to charge extra fees when I am paying off the mortgage. Very disgusting and unlawful business practices.
I had originally established a repayment plan of which I had paid all but the last payment. The bank account I used to pay the account ( XXXX, had a security breach and cancelled a large percent of their customers cards due to the breach ). Because of this I had to resubmit the payment method to pay the last payment and complete the agreement, which I did. Then Northland Group then did not withdraw the amount for the last payment on the agreed date. Upon realizing that the final payment was not made, I answered a collection call and spoke with a representative on XX/XX/XXXX. I explained the situation, she said that I could pay the last payment and it would be done. I was at work and did not have my debit card with me and took down her name, number and extension and told her I would contact her with the info from the card to complete the transaction. Upon calling the number I found that I could not reach her and was not able to complete the transaction. I then received a letter around the end of the following week stating that the agreement was cancelled and I now owed {$480.00} in place of the final {$48.00} payment. I contacted the number listed and was told there was nothing I could do, despite the previous efforts and attempts to pay my final payment and the company not following through on the agreed upon plan. I have tried to handle this issue with the Northland group and their inability to honor the agreement appears predatory and dishonest. They have had the new card information on file since I called it in, they had it when I was told I would have to resubmit it and they have not made any effort to mitigate their mistake of not charging the card on the agreed date before. I feel that due to their lack of responsible business practices that my debt should be considered " paid in full '' and utilize this case as an opportunity to better their employees or leadership actions to ensure that another person is n't subjected to several interruption incidences that create unneeded stress on someone who obviously is already under financial stress and trying to repay their debts.
This is a complaint from XXXX XXXX against Midland Credit Management for Midlands failure to provide requested information for the debt alleged. On XX/XX/18 received a demand letter from creditor in response to consumers written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.

Creditors demand letter did not include the requested information that would show ownership of the account by Midland. Failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
It has been since long time ago, about XXXX to 4 years ago that i have submitted inquiries to get removed from my credit report without my authorization and none of the creditors had taken action and my credit score it is really bad due to the crazy amount of inquiries.
I have an alleged debt from XXXX XXXX property management that went into collections. The collection agency is XXXX XXXX XXXX. I called in XXXX asking for written verification to be sent to me, they told me they do not send out letters due to being an eco-friendly company. I wrote a letter asking for verification in XXXX and there was no response. I disputed the debt with XXXX and XXXX in XX/XX/XXXX ; they did not verify the debt with XXXX so it was removed from my credit report from that bureau. However, they did verify the debt with XXXX. I called them in XX/XX/XXXX to request information to be sent to me, but I was sworn and yelled at by a supervisor and called names, before he hung up on me. I called again and someone took a message, I have not received a call back. I had an attorney send them a letter in XX/XX/XXXX also, they still have not responded to him or me. I have also called and left messages for the original creditor. XXXX XXXX, asking if I could settle the debt with them without any response back to me. XXXX XXXX XXXX is adding interest to this debt every 7 days, but won't allow me to pay anything, because I can not get in touch with anyone! I have no way of verifying this debt nor do I have anyway to pay this debts off.