WillisBack/dataset-financial-user-claim huggingface dataset:
I use online banking to pay all my bills. I give them the amount and date due. They in turn send the amount to the various companies to be delivered as per requested. 
XX/XX/2018, {$930.00} was paid as directed. 
When I received this month 's bill, I was charged a late fee and interest for last month! I looked at account on line, and talked to bank. They said the check was sent 5-7 days prior to due date. Yet the deposit from XXXX said they did not deposit it until XX/XX/2018! I did everything proper, according to the bill and according to online banking rules and yet I am the one penalized! 
I called XXXX with all these documents and asked the late charges and interest be removed. I have been their customer for 20+ years and never been late! I was on the phone for 45 minutes and spoke to three departments, four people. They would not do this! What kind of customer service is this? I got disconnected and no one called me back.
I recently reviewed my bank statements,. I noticed that the Wells Fargo bank had been charging my accounts {$2.00} per non Wells Fargo ATM transactions plus an additional {$2.00} from the merchants ATM. Which resulted in a insufficient fund balance to my accounts. Since then the Bank has returned {$49.00} dollars and a additional {$90.00} dollars credit. The balance owed is {$390.00} dollars. The estimated amount was calculated from  XX/XX/XXXX  through  XX/XX/XXXX  ... .. On  XX/XX/XXXX  I returned to the bank to discuss the remaining balance with the branch manager located at the   XXXX   XXXX   location. The manager stated that there nothing else that he could do and that he did n't understand why the customer service return those additional funds. I explained to the manager that none of my paperwork stated additional funds would be withdrawn. I am seeking all of my funds be returned to my account immediately. Thank for your time account #  XXXX  routing number/ # account  XXXX / debit card  XXXX  Name on the account   XXXX   XXXX   XXXX
I had fraudulent activity on my credit card from Bank of America XX/XX/XXXX. When I reached out to them, they asked if I ever shopped with the specific merchant. I told the truth and informed them I have shopped with them but I was not present on those transaction dates and I never made or authorise those purchases. They said because of that reason it would be a dispute, which is not correct. During the dispute, they sent to me the receipts from the merchant. I told them again I was never there to make those purchases on that day and the receipts the merchant provided where not my signature. They went ahead and finally pursued it as fraud-which they should have done in the first place. They told me I was " XXXX not liable for the charges '' and they will continue to do their investigation. After awhile, they came back and put the fraud charges back into my account. When I asked them why, they informed me because I have shopped with that merchant before it is not fraud. I work in credit cards for another group and this is ridiculous! I even had another card compromised for the same dates and same exact charges from the same merchant. The other credit card company took care of my needs right away as fraud. I never shopped with the merchant on those dates nor signed those receipts and I told Bank of America they needed to pursue with the fraud case again. They told me they would not. I went ahead and closed the account and told them I will not pay anything. They continue to send me notices of payment dues. I do not want this to end up being sent to the credit bureau when I have fraud charges on my account not taken care of. I 'm pleading to ask what I can do to have this matter handled correctly. Thank you for you help.
On XXXX around XXXX XXXX, I was making payment on one the credit card accounts by Citi Bank . I noticed that the available credit shows {$0.00}. I contacted the bank, and they told me that credit card closed on XXXX/XXXX/XXXX. They did not disclose the reason and said that I would receive notice by mail. After I hang up the phone, immediately checked the other 2 credit card accounts from Citi Bank and they were closed as well. 

THE ACCOUNTS CLOSED BY CITI BANK : Citi Shop your way- XXXX Citi XXXX XXXX City Best Buy- XXXX After conducting researches, I found out that the bank must provide reason over the phone. I contacted the bank again and spoke to XXXX from team XXXX. He told the same, I would receive notice by mail. When I said XXXX, that he can not refuse to disclose the reason over the phone, he placed me on hold for about 15 minutes and transferred the phone to account specialist. 
XXXX from crew XXXX provided following reason : " Due to the amount of recent inquires for the credit line increase, they decided to close all the accounts. '' I replied that never been late on any of the credit cards payment, some of them recently were paid off and have spending limit less than 30 %. 
Some credit inquiries are old and some credit line provided to me automatically by the bank without even requesting credit line increase. 
I requested to reopen the accounts and received the following reply from XXXX : " Once accounts closed they can not be reopened. '' When I advised that I spoke to Consumer protection agency and they said that bank could reopen closed credit card accounts, she just replied, " This is a Citi Bank internal policy, and she can not reopen the account. '' I advised XXXX that I am now recording our conversation because she is lying and she hang up the phone. 

After all this, on XXXX/XXXX/XXXX, I noticed that Citi Bank charged me {$27.00} late fee on card ending XXXX. The due date of the card was XXXX/XXXX/XXXX. The payment of {$100.00} was made on XXXX/XXXX/XXXX around XXXX XXXX. I called Citi Bank, and without reviewing the account, they said that they did not receive payment. When I advised conducting researches the account specialist reply that she will waive the fee. I made additional {$18.00} payment close the balance over the phone and specifically asked to email me that the balance is {$0.00} but of course still waiting.
I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the ECRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed.

Please resolve this matter as soon as possible. 
Thank You.
I could no longer pay these enormous charges so I hired a company in FL to take over for me. Either they did nothing or the Pay Day loan company will not accept their terms. I get several letters a week and they have threatened to take civil action against me. I am over XXXX and I get a XXXX check.
I called ConServe to pay a loan I currently have in default with recent spike in discretionary income I 've received. The person I spoke with informed me that the call could be recorded and it was an attempt to collect a debt. I let them know I wanted to make a hundred dollar payment. Following the successful entering of my payment information over the phone I asked for my balance. The informed me it was upwards of {$1800.00}. I asked what fees did they add when they received the loan from XXXX. The person on the phone said {$28.00}. I informed her that before XXXX sent my loan to collections the balance was {$1100.00}. She told me that the interest accrual was 5 % a day. I ended the phone call and immediately called the Consumer Finance Protection Bureau hotline to inquire whether those actions were lawful. The person I spoke with informed me that they could n't dispense legal advice but that the interest on a perkins loan was fixed at 5 %. I asked what I should do if I were looking to file a dispute. The representative informed me to contact the company and have them send me their policy in writing. I ended the call and called ConServe back and asked to be sent the policy. The woman I spoke with became very irate and aggressive, and almost shouting said they had no policy and that the interest and extra fees tacked onto the remaining balance were set by the University XXXX Georgia. I have no idea who to believe and need clarification as to where over {$700.00} in fees came from and whether or not this addition to the principal was lawful before I pay so much as a dime to an independent loan servicer.
I got a personal loan from XXXX XXXX. I fell behind on the loan for over 120 days, so XXXX XXXX initiated a legal process to collect the overdue amount and the balance of the loan. Because of this, and legal fee of {$86.00} was assessed. I was able to pay the overdue amount before this issue got to court, got the account back in good standing, and have made on-time payments ever since. Contrarily, my account has been reported as late from XX/XX/XXXX even though payments have been made on time. I called the bank and spoke with the manager ( XXXX XXXX ) and she was unaware as to why my account was being reported as late when there was a {$0.00} past due balance. I then wrote a letter asking them to rectify this matter and accurately report my account to the credit bureaus as this was now negatively affecting my credit. Come to find out, the reason they were reporting my loan balance as late is because of the {$86.00} legal fee which the Branch manager nor the other employees that I previously spoke to knew about. Moreover, the {$86.00} was not reflected on my statements nor bank summary until I brought the delinquent reporting to the bank 's attention. I then asked if I could pay the legal fee, but I was told that I could not and the only way the get rid of it is to pay the total loan balance which at the time ( XX/XX/XXXX ) was {$8000.00}. So the bank has been reporting my account as late for a {$86.00} legal fee that I could not pay and that is not a part of the actual loan amount that was borrowed. Nonetheless, it is being reported as though I have not made any payments for over a year when this is in fact not true. I've called the bank and formally written them several times only to get the run around and contradictory information. Finally, in XX/XX/XXXX I was told that " Senior Management '' has decided to allow me to now pay the legal fee, which I did. I sent the {$86.00} payment in on XX/XX/XXXX. However, it is still being reflected on my credit report that the account is past due for {$86.00}. Additionally, they've incorrectly reported my account to the credit bureaus. The account has not been delinquent since XX/XX/XXXX. It was being reported as delinquent for {$86.00} that was not a part of the loan amount and I was not even allowed the opportunity to pay that fee until a XX/XX/XXXX. When I asked if they would correct the erroneous reporting, they said no although they admitted to incorrectly reporting this information. Still to this day the {$86.00} is still being reported as past due. Additionally, they have not correctly credited the {$86.00} for the fee to my account. Dealing with this bank has been an absolute nightmare and it should not be this hard to get things done correctly or information reported right as this is their profession. The worse part is that it's clear that the people at this bank has no care or concern for how they're negatively impacting my life.
Credit Card Company has reported late payment history from the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my credit reports which is inaccurate information and lowing my credit scores.
On XXXX XXXX, 2015, I was informed by the CFPB " The company was unable to respond to my complaint because of pending litigation about the same issues raised in the complaint. No further action will be taken on the complaint. '' At this time I am submitting a new complaint to reassert the issue presented in complaint number XXXX.
I had a mortgage through XXXX that was paid off due to a class action lawsuit against said bank XX/XX/XXXX. I recently received a paper from ditech stating that I owe them {$180000.00} for this same mortgage. I sent them them a copy of the letter stating that the loan had been paid in full, and they just continue to send me a copy of the original note that I signed. Saying that they 've owned the loan since XX/XX/XXXX and that I owe them now, even though the original loan was paid off XX/XX/XXXX.
I XXXX XXXX file this notice with the Consumer Financial Protection Bureau as a measure to request a federal consumer advocacy agency to oversee a collection matter I believe to be unfair and technically illegal. I have attached a copy of a XXXX XXXX, 2016 letter whereas I stipulated the legal requirements on any vehicle repossession. I would agree to settle this matter with certified funds of {$1000.00} if Credit Acceptance would essentially communicate with me. They have not answered my letters and I believe that my offer is more than reasonable under the circumstances. However, I am 100 % in the right on the requirements on any vehicle repossession. That is a violation under New York State collection guidelines and the national Fair Debt Collection Practices Act. Accordingly, I offer {$1000.00} certified funds to resolve this matter in the best interest of both parties, and I request that settlement offer in written form as soon as possible.
My payday loan with XXXX went in to default last year when I hit some hard financial times. Apparently the debt has been sold numerous times to various collection agencies. I received a call XXXX days ago from a company called National Check Recovery, a gentleman named " XXXX XXXX '' stated I would be receiving papers for fraud as the loan was n't paid off. I called the number and reached National Check Recovery/XXXX, who stated I would be served with papers for fraud. I spoke with customer service at XXXX and they stated they do not work with this company in any way. 

The original loan with XXXX was for {$500.00}. I requested a validation of the debt, which shows the debt as over {$900.00} more than the pay day loan, but if they had to sue me it would be nearly {$3000.00}. I received the validation from them but there was not an itemized list of the charges. I spoke with XXXX XXXX today and he became verbally abusive with me, threatening to sue for fraud as I did n't pay the loan off. 

I told this gentleman I had not received any notice of this debt from their company and their threatening phone call was the first I had heard from them. XXXX XXXX told me they had sent " numerous '' notices by mail, but would not provide me with proof of this as I told him I had received nothing. I was unable to even speak an entire sentence during the conversation as he continued to interrupt, yell, and speak over me to the point where I had to firmly inform him that I would cease communication with him if he did not stop interrupting and raising his voice. 

I am meeting with an attorney tomorrow and told XXXX XXXX I would be showing the paperwork to the attorney. XXXX XXXX demanded to know the attorney name and address and phone number, which I did not share with him because I have not retained the attorney formally. He became quite verbally upset with me when he found out I was speaking with an attorney and asked what I was trying to " accomplish ''. 

I asked to speak with the XXXX XXXX, who left the original message a number of times over the last XXXX days, yesterday I was told he was " out to lunch and would call me back in about XXXX minutes '' and I never received the call. I called XXXX more times yesterday and asked for him and never received a call back. I asked again today to speak with XXXX XXXX and was told he does n't work there and is a process server. 

To date, I have not been served any paperwork ( which I 've learned in reading numerous times online that this is common with XXXX and XXXX XXXX, and people do n't receive any paperwork. ) I am attempting to validate this debt, yet National Check Recovery only makes threatening comments regarding fraud, and it is against the law to threaten jail time or be abusive over the phone when talking with a consumer. What do I do?
My name is : XXXX XXXXLoan # XXXXAddress of Complaint : XXXX XXXX XXXX XXXX XXXX, XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. 

XXXX XXXX
Experian notified me on XXXX/XXXX/2016 that there has been a change in my credit score. When i logged in I noticed there is recent XXXX activity on my credit report, which lowered my credit score. 
I did not authorize an inquiry therefore, I suspect there has been an attempted ID theft. 
Experian is unresponsive to my inquiries.
NELSON AND KENNARD ON BEHALF OF XXXX XXXX XXXX HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
XX/XX/XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED XXXX XXXX XXXX TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN XXXX XXXX XXXX CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XX/XX/XXXX XXXX COLLECTIONS HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF XXXX XXXX XXXX ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XX/XX/XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY NELSON AND KENNARD ( LETTERS ATTACHED ). NOW ON XX/XX/XXXX I WAS SERVED WITH THE SUPPENAT FROM NELSON AND KENNARD REPRESENTING XXXX XXXX XXXX FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT XXXX XXXX XXXX TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. NELSON AND KENNARD IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP
On or about XX/XX/XXXX I discovered that Experian was reporting an alleged Bankruptcy on my credit report known as : BANKRUPTCY CHAPTER XXXX-FILED, XX/XX/XXXX, {$0.00}, XXXX, XXXX XXXX XXXX XXXX, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth which is required. There is NO mentioned whether this alleged Bankruptcy was dismissed or discharged which clearly proves it at best is an incomplete filing therefor violating both State and Federal Law. 

On XX/XX/XXXX I sent Experian a letter ( see  attached ) using Certified Mail and not only disputing this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate it. The response I received from Experian was they verified it with XXXX XXXX. I contacted XXXX XXXX and they replied telling me that there is NO information in their system with regard to this alleged Bankruptcy ( see enclosed letter from XXXX XXXX ). It 's important to note here that NONE of the other Credit Bureaus are reporting this erroneous reporting ( see attached Credit Reports from XXXX & XXXX ). 

In the event I need to file a Federal Law Suit in order to get Experian to remove this erroneous filing I thought it wise to contact the Federal Bankruptcy Court to see what their policy and procedures are when supplying information to Experian and their reply letter to me was very clear that they DO NOT supply Experian with any information. 

On XX/XX/XXXX the ( 3 ) main reporting Bureaus, XXXX, Experian and XXXX agree as part of a settlement with several Attorney Generals throughout the Country agreed to insure accurate and complete reporting including, name, address, social security number, date of birth and were ordered to delete any files that were not in compliance. Not only is this filing erroneous it is missing ALL of the above mentioned requirements and there is nothing saying wether this alleged Bankruptcy was discharge or dismissed nor is there a dollar amount which is also required. 

I respectively demand that Experian delete this erroneous filing and send me a letter of that deletion for my files. 

Thank you for your kind consideration. 

Respectively, XXXX XXXX
I have been on XXXX since XX/XX/XXXX, I needed this loan to keep current with my bills after XXXX. The loan origination date of my loan is XX/XX/XXXX. I called XXXX today to check on on my loan balance and it turns out that after making every payment on time every 2 weeks for nearly a year I owe {$500.00} more than I borrowed. so I pay {$140.00} every 2 weeks, my original loan amount was {$3000.00} and I now owe XXXX this doesn't seem fair and due to my XXXX I am currently unable to work and these payments are strain on my ability to stay current with my other bills. Is there anything I can do about it. 
Please Help