WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company XXXX XXXX XXXX. I told them that the debt was paid in full. XXXX XXXX XXXX asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday the XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. This account was also sent to this collection agency by Pendric Capital. Who is the original owner of the account I paid off through XXXX XXXX XXXX XXXX.
Wellsfargo convinced me to change my auto loan with their bank. I received numerous calls from a rep stating that they could give me a lower interest rate of 1.99-3 % and when I decided to switch my loan, the loan officer stated my loan would be 7 % and I had an XXXX credit score. I said that 's not right and the loan officer stated my loan with my precious bank was 12 % and after looking at my paperwork ; I realized the bank lied to me so I can have all my accounts with Wellsfargo.
Off and on for a few years now, I have attempted to set up auto payments on my Chase Visa card. The only options they give for autopay ( and I keep checking back to see if it 's changed ) is either the minimum amount ( a bad idea, as shown on my statement ) or the full balance ( which I ca n't pay ). All my other credit cards have allowed me to choose the amount of the autopayment. Therefore, with my Chase Visa card I have been working to manually pay about twice the minimum each month, but the window to pay is so narrow that I have incurred lots of late fees and my interest rate has now risen to 27.49 %. I think this is an unfair practice designed to fleece consumers, and I would like the CFPB to put a stop to it, and I would like my late fees credited back to my account and my interest rate to be lowered to something reasonable.
American Express charged my account for a company called XXXX {$110.00} on XXXX XXXX, 2017. I had cancelled this account 2 years ago, and not used it since. I had disputed charges previously with Amex 2 years back when XXXX continued to charge my cancelled account, and Amex had credited me. When I saw the charge again, a year later, I disputed again, and was given a credit by Amex on XXXX XXXX, 2017. Then Amex sent me a letter saying XXXX said I was still a member ( clearly untrue as I have not used the service is more than 2 years in any way ), and they offered no proof. They also recharged my card the {$110.00}. I tried to get in touch with XXXX again, but they have no phone # to call or email, and since I have no account with them, I could not sign into their site either. Amex also told me the charge went to a former Amex card #, not even my existing one demonstrating that the charge is fraudulent. I have tried three times to get an AMEX manager on the phone to resolve this, but they have put me on hold for many hours, and never put a manger on. The supervisor, most recently XXXX ID # XXXX, kept reading that they refused to credit me, as XXXX claims I am still using the service. I am not. Both XXXX and Amex have conspired to charge me, and may have done so repeatedly over the past two years. I am still researching my credit cards to see if Amex has improperly charged me before.
Had a high balance on a Chase Credit Card. Paid of the high balance on the Chase Credit card. Then received high fees and interest month later as I continued to use card. Paid of balances that belong to me and left only the balance of fees. Contact Chase to tell them that the fees were excessive, XXXX total, and I would not pay. Now account is growing because I will never pay the card due to the excessive fees. This has been reported before and Chase determine that they are valid. So this a complaint that Chase is  apparently allowed to put any charges on customer accounts and call it valid.
I am Florida XXXX representing a client XXXX in a foreclosure defense case for her home. In XXXX of 2014, my client applied for modification and made trial payments to the designated company. She made all her payments via money orders purchased through XXXX XXXX. The Case was before a XXXX, Florida Judge. The Court was informed of the modification. The Servicer of her loan demanded that the client provide proof of the money orders being cashed. The Client paid additional money to the have the money orders researched and show proof that they were indeed cashed, when, and by whom. This information was provided to the Loan servicer and the Court. The Court issued an order demanding that the modification proceed and that the foreclosure be stopped because the client had complied with the trial payments for the modification of her home loan. 
The Client has reached out to the Loan servicer over a dozen times over the past five months since the Court Order was issued. The Loan Servicer has done nothing but give her the run around and claim that her house was sold in foreclosure and threatened to kick her out of her home despite the Court Order demanding the modification. As her attorney, I filed a Motion to Compel the modification and we are awaiting a hearing on the matter. Meanwhile, the Loan Servicer is now claiming that the Client was defrauded by an unknown company and that her trial payments were made to a fraudulent company and NOT the loan Servicer. They are claiming that even though she complied with all the terms of the modification, the company doing her modification was not real and they stole all her trial payments. The Loan Servicer is basically ( after 14 months ) saying we do n't have to do anything for you because you did not modify through a true company and you were defrauded. The problem is, the client complied over a year ago, paid all the trial payments, filed everything with the court as directed, showed proof of the cashed money orders, and is only now being told that she was the victim of fraud. The Client is an elderly woman that has tried desperately and honestly to do all that was asked of her to make things right. And after all her efforts, she is being told she is a victim of fraud.
Hello on 4 different occasions I sent a debt validation letter requesting alleged account and balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.The most recent request that I sent for validation was om X/XX/2017, X/XX/2017, and XX/XX/2017 each time I received an updated credit report stating the item was verified however there was no proof of validation
On XX/XX/XXXX my vehicle was reposed from home, while being parked in my drive way. During this repossession my friends car was parked slightly in front of mine and his vehicle was damaged. Additionally, Maryland law ( 2010 Maryland Code, COMMERCIAL LAW, TITLE 12 - CREDIT REGULATIONS, Subtitle 10 - Credit Grantor Closed End Credit Provisions, Section 12-1021 - Repossession ) states that I must be notified by letter or certified letter 10 days prior and a XXXX letter 5 days prior that my vehicle will be reposed. I never received either of these notices. American Credit Acceptance, the lender, stated a 10 day letter was sent back in XX/XX/XXXX, however, I made a payment on XX/XX/XXXX in the amount of {$460.00} and XX/XX/XXXX for {$460.00}. I never got another 10 day notice or a 5 day notice. My car was suddenly than reposed illegally. The law also states I can than get my vehicle returned without payment and American Acceptance is refusing to follow this process. Please help me in retaining my vehicle as I have paid over 18,000 on this vehicle which had an initial cost of XXXX and only have year left to pay. I am currently out of work due to injury on the job and this is own means of transportation for taking my son to school and going to school myself. Additionally, I believe I was taken advantage of as I have a 20 % interest fee and am charged {$25.00} everyday my payment is late. Maryland law also says I have the right to purchase my car at the auction it will be sold, but this is being denied to me as they stated it will be sold at an auction for only DEALERS, which I am not and thus would not be able to purchase my car.
I have a Wells Fargo Secured Credit Card, with a payment due the XXXX of every month. I paid my bill on the XXXX by transferring funds from my Wells Fargo Checking Account. I woke up the next day to find an account over-limit fee of XXXX added to my balance. This is not the first time this has happened. After calling customer service, I was told they attach a '' ghost fee '' ( which " should '' fall off in 3 or 4 days ) to the bill even though it was paid on the due date and not late. There is no notification of any such fee in the card disclosures, and when I mentioned this to the customer service rep, she stated even though it is not the best, it 's just their policy. These fees have an impact on my credit report and credit score, because they are reported as me overextending my credit, even though I am not. Even if the fee falls off, they do not correct it with the credit reporting bureaus and I am stuck with a false, derogatory hit on my credit for 7-10 years. Ironically, if it was n't for the fact that Wells Fargo is in the news for deceiving some of their customers, I would n't have been looking as closely at my accounts, and would not have found about their practice.
This mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX  XXXX. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. XXXX has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.
In XX/XX/XXXX I switched 3 phone lines from TMobile to Sprint, I was sent a final bill by T-Mobile for {$580.00} that I could not pay at that time. I followed up in XX/XX/XXXX and spoke with manager by the name of XXXX, she stated I had final bill and a phone that was not returned, the phone was returned in XX/XX/XXXX ( I have Drop-off receipt from UPS ). I again followed up in XX/XX/XXXX and was told 'that 's too bad, it has gone to collections '' handle it with them. Southwest Credit System is stating that I owe {$2600.00} without any proof of how that amount can be justified.
This XXXX party collection agency is trying to collect on a 20 year old debt, I believe the original balance was XXXX, witch was written off by the original creditor. The XXXX party.collection agency is now trying to bully me for XXXX by calling and continuing to contact me after being put on notice verbally and by mail. I spoke to a gentleman who claimed to be the manager who got on the phone and began to try and bully me over the phone he told me the only thing he wanted to know from me was how I was going to pay the bill. He said he did n't care how old the debt was or what I was saying just needed me to pay. Told him yet again not to contact me in any way he began to laugh at me told him I was going to record call he hung up on me.
I purchased XXXX LTC/BTC coins on Coinbase then approx. a week later they disappeared from my wallet.I called coinbase, they sent an email asking for screenshots.I sent them right away then heard nothing.A couple of weeks later I emailed them again.They asked for the same screenshots which were sent within minutes.I waited a couple of weeks and received no response.I emailed coinbase again and called each time they ask for the same information.
Every month XXXX XXXX runs a check on my credit this is taking points from my credit score. I called XXXX on XXXX XXXX, 2015 and reported this they said they could not find why my name is being ran for a credit check. They advice me to report this to the CFPB who will contact them and they will verify that I 'm not requesting a credit card from XXXX.
In XXXX of 2016 I recieved " true & certified '' copies of alleged mortgage documents from CitiMortgage via a Qualified Written Request ( QWR ). Upon reviewing the documents CitiMortgage ( acct # XXXX ) sent me the signature on the promissory note is not my signature and I did not sign the promissory note. This is forgery and fraud. Not soon after making complaints to various agencies I get a notice of the alleged loan being transferred once again to XXXX account number XXXX 
I received notification in the mail from Citimortgage an ACT XXXX NOTICE. This notice was addressed to me and my ADULT children. Notice XXXX instructing each one of us to seek a Consumer Credit counselor to apply for a HEMAP within 33 days.. or face Foreclosure. 
The issue at this juncture is the alleged loan being TRANSFERRED or FORECLOSED. 
How can Citimortgage get way with forgery/fraud and reap the benefits of such actions against consumers such as myself and others..Please HELP This is totally confusing PLEASE HELP
TransUnion had a computer glitch that caused some inquiries on my report to fall off. TransUnion then decided to readd the inquiries to my credit file ILLEGALLY without giving proper 5 day notice as required by law. I 've contacted TRANSUNION out of good faith to help resolve this matter and to help get the unauthorized illegally added inquiries off the credit file. Having these inquiries on this credit file is creating a harship for me and my rights are totally violated by TransUnion. I 'm asking that you help make TransUnion to stop victimizing me.
Experian refuses to remove an account that is not mine from my Experian credit report. The account is with XXXX XXXX CARD and the Account Number is XXXX .... This account is not mine and I have informed the credit grantor who has advised me they will remove it from my credit report, but Experian refuses to do so even though XXXX and XXXX have removed it.
My XXXX score is lowered due to " Lack of recent installment loan information '' and " Too many accounts with balances ''. The source of the information is reported to be Equifax. With regards to " installment loan information '', the XXXX report says my Equifax credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans. '' I have no loans, so this is what should be reported, and my XXXX score should not be lowered based on incomplete information by Equifax. With regards to " too many accounts with balances '', I have no account balances. I pay my credit card charges at least weekly, and the temporary balance for a day or XXXX is never more than 5 % of the limit on the card and is usually under 1 % of the card limit. My Equifax report contains errors, including data pertaining to individuals other than myself, which I have not been able to get corrected. They may be reporting those individuals ' charges to me. To resolve this, I would like to know what account balances Equifax thinks I have which are being used to lower my XXXX score. Thank you.
This letter is being sent to you in response to a listing on my credit report from CREDITCHECK TOTAL. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from CREDITCHECK TOTAL. 
For the purposes of XXXX XXXX XXXX XXXX this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.
After years of being harassed and bullied for not being able to pay what they demanded, I was finally enrolled in a 'program ' that halved my payments XX/XX/XXXX. XX/XX/XXXX, I was on workers comp, and still made the effort to pay when they called me relentlessly to make a payment. I found out through XXXX different 'representatives ' that the 'program ' I had been enrolled in had expired and the six previous payments I had made went to my federal loans. I requested the six payments to be payed to the private loans since they were demanding a large sum of money to be paid at once that I did not have. It was the next phone call I received that I was informed the six payments were reduced to three because the program had expired. There was no offer of another program to be enrolled in and so federal loans were sent to a collections agency who is currently garnishing my wages and is n't allowing me to make payments to my private loans. I can not possibly pay both private and federal with what little I make and still pay my bills, etc. I have spent twelve years reasoning with salliemae/XXXX and now I can no longer face another demeaning, round a bout, phone conversation. They do not help those of us trying to make payments, they have only bullied, harassed, and hindered my progress. I am made to feel ashamed by every representative I have spoken with. XXXX I dwell on what enormity this situation has blown into and I can not see a way free or at least through. Despite their efforts, I have finally received my XXXX and am trying desperately to complete what is necessary for my resume/XXXX to get higher paying jobs that I schooled for so I can pay them off for good.
I purchased a product through Ebay some time in XXXX of 2015. At the time from what I could tell I paid with Paypal. I called paypal a couple of weeks later to mention that I did not see the charge on my account. They said that they could not see it either, I called 5 times to confirm and they continued to tell me that there was no charge but I received the merchandise. It turns out the charge went to billmelater which is now called paypal credit. I was never told of this change. It kept getting notices from paypal that the bill was late but when I logged on the account was fine, no late charge. I think sometime before I made the purchase I remember calling a number that was shown on ebay to extend the period of the credit line. This phone number later I found out was billmelater or paypal credit, I had completely forgotten about the call because that is what paypal credit used to call me, in not so many words, a liar. They waited to the six months expired to charge me for the interest on the purchase and to contact me. Never mind that I called paypal several times and my account is practically in zero balance. No they said there is not they could do, they closed the account and told that if I wanted to pay I need to contact them every month.
On XX/XX/2018 I requested information from my bank, E*Trade Bank , regarding a wire transfer from a XXXX company as part of a travel reimbursement for US {$1200.00}. Using their chat function online the agent provided me wire transfer instructions ( transcript attached ). After waiting approximately 2 weeks without receiving the funds I contacted E*Trade and was told that their agent had given me the wrong information for the transfer and that there was nothing they could do. 
I then contacted the vendor in XXXX. Their bank, XXXX XXXX XXXX XXXX, indicated that the wire transfer had been accepted by XXXX XXXX, the bank that acts as intermediary for E*Trade on wire transfers. The vendor eventually had their bank run a trace on the transfer but evidently XXXX XXXX would not respond ( information attached ). My vendor had XXXX XXXX XXXX XXXX run the trace a second time with the same result. 
All of this back and forth has taken several months. Neither E*TradXXXX nor XXXX XXXX will accept any responsibility.
I bank with Wellsfargo and I made sure to deposit enough money into my account to clear all transactions for the day ( XX/XX/2017 ). I made sure to deposit my cash before the cut off period of XXXX and at I checked my balance afterwords to show that my account balance was positive. Wells Fargo then processed XXXX ACH transactions at XXXX as part of the same business day causing XXXX overdraft fees. I believe that this may be considered malpractice as there is no way for me to deposit money into my account during the window ( XXXX - XXXX ) in which they are processing these transactions to cover the transactions. I believe that if they are going to process transactions out of my account I should have the opportunity to process transactions into my account. Also FYI, my direct deposit went into my account the next morning.
I have a personal checking account and a business checking account tied together, my business checking account has the largest funds and transfer money into my personal checking when needed almost like a direct deposit. 

Chase approved an ACH transaction from XXXX XXXX of {$20.00} and charged me a {$34.00} late fee, I spoke with a representative last time who said this wouldnt occur again as they would decline the transactions. 

Instead I was charged and was unable to have the NSF charges reversed, Ive been banking with chase for ages and have 3 accounts. 

I pay monthly service fees on all accounts and dont complain whatsoever because Im not supposed to be charged.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply .My name is XXXX XXXX XXXX , my current and only address XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , IN XXXX XXXX XXXX  XXXX XXXX, XXXX , IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX , IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , IN XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX , IN XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX , IN XXXX XXXX XXXX CT , XXXX XXXX , IN XXXX