WillisBack/dataset-financial-user-claim huggingface dataset:
On Monday XX/XX/XXXX my account was overdrawn by {$21.00}. I did not have the funds to cover this amount, so I anticipated an over draft fee for the transaction that caused this initial overdraw. 

On Wednesday XX/XX/XXXX my account was charged two additional {$34.00} overdraft fees. My account is now overdrawn by {$160.00} in part due to {$100.00} in fees from the bank. Seeing that I did not have the funds for the initial overdraw, it is an unreasonable policy that the bank would further overdraw my account. 

When asked about any full or partial relief from the fees, my request was denied because my account was " ineligible for any further insufficient fund reversals ''.
Complaint against XXXX XXXX XXXX XXXX acting on behalf of Great Lakes Higher Education Guaranty Corporation : Account # XXXX.
I have contacted XXXX XXXX XXXX several times in regards to repayment arrangements for a student loan. I have never received a return phone call to discuss repayment options only threatening letters and emails.
Now I have been sent another letter stating they have reported this debt against my credit.
XXXX XXXX XXXX does not answer their phones. The few times I have managed to get a live person, I am transferred to my " Account Representative '' to leave yet another voice mail for someone that never calls.
The only things I receive are threatening letters that they will damage my credit, garnish my wages and take my Tax Return.
These things have already occurred. I have all documentation, dates and names. I need confirmation that someone will actually look into this complaint before spending the time scanning, faxing and uploading documents.
The company in collections has not contacted me at all and has not answered our returned my calls. I want to pay this and get it off my report but they have been completely unresponsive
My credit was affected by the poor business practices of LoanCare, the mortgage loan servicer for XXXX Mortgage. Below is a brief summary of the most recent incident. LoanCare systemically engages in obstructive, if not downright fraudulent, business practices, resulting in late payment fees and negative impacts on credit scores. I have paid our mortgage without fail every month since we bought our home XX/XX/XXXX 
Monthly, we pay our mortgage by scheduling online payments through our XXXX Bank checking account. At some point, LoanCare changed our mortgage account number ( without notifying me XXXX, resulting in the XX/XX/XXXX payment being returned electronically to our XXXX Bank account XX/XX/XXXX. LoanCare did n't notify me that this payment was returned, so I thought our mortgage payments were being applied appropriately. Instead, the account appeared to be missing the payment XX/XX/XXXX. Further, the amount of the monthly mortgage payment increased over the summer from {$2600.00} to {$2700.00} ( also without me being notified ), so not only were subsequent mortgage payments being applied to each previous month 's mortgage, I also then needed to pay the difference in the new monthly amount as well as late fees to rectify this. Because the monthly loan amount increased, and LoanCare wo n't apply payments unless they cover the entire monthly amount due, LoanCare then held {$2500.00} without applying it to my account, thus charging me further late fees. LoanCare did not have the correct mailing address or contact phone number listed on my account, and had my wife 's phone number listed as the contact, even though she is not on the mortgage. After spending much time talking to various call center employees and supervisors to figure out why LoanCare was n't accepting my mortgage payments, I paid ( again ) the mortgage payment that was returned XX/XX/XXXX, as well as the difference remaining after the monthly mortgage amount was increased, plus late fees of {$430.00}. I asked LoanCare, ( in writing : XXXXXXXXXXXX ), for these late fees to be refunded and a letter sent to the credit report agencies stating that my account is paid as agreed with no late payments. I also updated ( again ) our mailing address and contact info, and asked that I be immediately notified if there are any subsequent changes to the account. After waiting several months for a reply, LoanCare stated that they would not refund late fees and would not send a letter to the credit reporting agencies showing that my account has always been continuously paid in full, on time.
Company rep contacted me at work. We are unable to accept personal calls and even after being told so, she continued to harass staff and insisted on leaving her name and contact number. 
Her name is XXXX XXXX
I got a loan through Wells Fargo and eventually lead to a repossession. The reported payments late and said that they would work with me but came and repossessed it instead. I have asked for an itemized statement and have never received one. I also know that they sold the vehicle for around 4800 est. at auction and only reported XXXX XXXX. The company destroyed my credit and I saved my receipts and wont send me an itemized statement so I can cross reference. I also did the math and Ive already paid over 14k and they are trying to say i owe. Them around 6k still. Ive called and been hung up on and laughed at. They already have the vehicle I made payments in for over three years and I have nothing to show for it. I am XXXX and need assistance attaching documents.
We were offered a loan modification with interest rate of 4.9 % and a final balloon payment of over {$130000.00} at maturity in XXXX, by that time I will be XXXXyrs and my husband will be XXXX yrs God willing, where do we get {$130000.00} to pay after the loan matures? we had to decline this offer because is like deferring foreclosure on our house till old age. We simply want something reasonable to help us afford the loan and prevent future foreclosure as well. The loan balance is above market value so we can not refinance, this means that we are stuck and the only other option is to make it affordable or face foreclosure. As advised, we are requesting further review based on the Real Estate Settlement Protection Act, RESPA. The requested RMA and percentage ownership information has been forwarded to the appropriate department. 
Thanks, we will greatly appreciate favorable consideration, looking forward to a favorable response.
DIVERSE FUNDING BOUGHT A DEBT AND RE-AGED IT. TODAY, WE WENT TO COURT TO DISPUTE THIS, WHEN I SERVED THE ATTORNEY FOR DIVERSE FUNDING PAPERS FOR A COUNTER SUIT HE THROUGH IT OUT HIS CAR WINDOW AND YELLED " YOU CAN XXXX '' VERY UNPROFESSIONAL. WHEN THEY WENT INTO THE COURT ROOM THEY DID NOT EVEN HAVE A CASE FILE FOR ME DUE TO THE FACT THIS DEBT IS SO OLD.
I contacted Ally Financial on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a hard Inquiry on my XXXX credit file with out my authorization, I did not get any help from them.
US BANK REFUSED to remove credit card account information from 'Authorized User 's ' credit report which can negatively affected on credit decisions and negatively affecting credit card utilization. Authorized User is NOT ACCOUNT OWNER and not liable for any of subject credit card debt according to US BANK. Account owner requested proof of any documents/electronic signed documents of authorized user 's with social security number but US BANK representative, XXXX ( who refused to provide last name and employee/representative number ) refused to provide.
I had disputed a XXXX acct of {$710.00} which I did not have ownership of. This account was with Amsher Collection Agency. This collection agency removed this account off my credit report with XXXX on XXXX/XXXX/16. On today, XXXX/XXXX/16 I received an alert from XXXX XXXX that XXXX is reporting the exact same account-XXXX- {$710.00} to my credit report with an open date of XXXX/XXXX/16 and last reporting on XXXX/XXXX/16. it has been determined that this is NOT my account and never was. This agency is re-reporting this account after it had been removed from my credit report. I am aware that this is VERY ILLEGAL.
THis concerns all Credit Reporting agency and companys that send info, most state that this will not efect you credit that a lie if you look at my report everyone has files a request and my score has gone to XXXX  anyone should be able to make inquires without paying a price the credit companys are out of control and you as gov neeed to do something about it iworked for the XXXX for 37 years as aXXXX XXXXand as a XXXX XXXX  also spent 37 years working for the XXXX and XXXX I do havepeople in Wash that I CAN contact but after looking thru items its your job to correct items I would exspect feed back as to what actions you intend to take, I thank you.
I went investigation of XXXX XXXX XXXX. It took about 25 day saw XXXX XXXX XXXX XXXX XXXX, XXXX. So I call customers XXXX XXXX, XXXX at XXXX so I went online gave {$50.00} Account Number XXXX and XXXX XXXX/XXXX/XXXX approve 2-3 day. So I go decide to go pay XXXX {$290.00} paid off. So I got a email from Manager XXXX XXXX XXXX/XXXX/XXXX them.and told me thank you its going about 7 day XXXX, Tx XXXX. So I online an I see XXXX {$290.00} and now I owed. I call XXXX XXXX XX/XX/XXXX and customers and he 's at lunch I will call you about I hour and they have n't call me back. I have approve Confirmation # XXXX XXXX/XXXX/XXXX XXXX # XXXX and Conformation # XXXX XXXX/XXXX/XXXX # XXXX XXXX {$290.00}. I paid it off.
On XX/XX/XXXX, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of Limitations and FDCPA. I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. To date, I never contacted nor authorized XXXX XXXX XXXX XXXX nor Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against me. 

XXXX XXXX XXXX XXXX XXXX XXXX is an assignee who can not produce any information referencing collecting on time-barred debt in PA nor furnishing documentation giving them authorization from the original creditor ( XXXX XXXX  ) that they are the note holder and authorized to collect on a debt that was charged off. XXXX, XXXX XXXX, Specialized Loan Servicing , XXXX XXXX XXXX XXXX, XXXX has violated FDCPA by not responding to my debt validation letter within 30 days under the FDCPA and The Law Firm ( while ignoring my concerns addressing the FDCPA ) contuie to forward me letters stated that I must pay an inflated debt with 15 days being XX/XX/XXXX or they will proceed to foreclose. From my understanding of the FDCPA a consumer is given 30 days notice. Secondly, the letter from the Law Firm is confusing and misleading by stating information referencing foreclosure. 

Please note others who are complaining about being forced into foreclosure with any remedy to justify a debt that was charged off. Please view : XXXX XXXX XXXX
Macy 's provided me with an XXXX Credit Card despite me telling the person in the store and the credit checker that I did n't want it. There was confusion on my part relative to my existing Macy 's account.
Date : XX/XX/XXXX To Whom It May Concern, XXXX, Experian and XXXX  are reporting inaccurate information on my credit file. They have failed to investigate and verify that these items are reporting correctly. Their action has hurt my ability to obtain new credit and this is very troublesome to me. I have been disputing with them since XX/XX/XXXX last year and they still have not corrected the errors and this is a direct violation of my rights under the FCRA! I have documented each letter that I sent to them and their responses that I can use in my defense. I am asking that the said accounts below be removed from my file immediately! 
Accounts Account Name : XXXX XXXX Reporting on XXXX  and Experian 1. Open date of XX/XX/XXXX is incorrect. 
2. Past Due Amount of {$720.00} is incorrect Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Reporting on XXXX, Experian, and XXXX 1. Two different account names : XXXX  and XXXX  2. Account Status : 2 states Closed and 1 state open 3. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 4. Balance of {$100.00} incorrect Account Name : XXXX XXXX XXXX Reporting on XXXX, Experian, and XXXX  1. Account Status : 2 states Closed and 1 state open 2. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX XXXX. Balance of {$1200.00} incorrect
Dyck O'neal inc has incorrectly reported me over 120 days late on an account that should NOT exist in the XXXX place. The account was XXXX on the completion of a Deed in Lieu on my cooperative residence. The Deed in Lieu NEVER occurred. The related mortgage was later satisfied in full via a sale of the property. XXXX of Dyck O'Neal was aware of the failure to close the DIL and still allowed the account to remain open harming my credit. Has has lied to me now on multiple occassions and has failed to have my credit reports corrected.
Was not notified of a debt owed before placed into collections. They did not send back up documentation of debt owed. Excessive monthly charges, extortion to intimidate if do not settle credit will continue to be damaged and I will not be able to buy a home. If I do pay in full, it will still remain on credit report and lender will not let me buy a home. That it is better to wait the 7 years. They harass me, are rude, degrading in telling me I should of read the lease. That I can call a lawyer but there is still nothing I can do. This is detrimental to me and my family.
Balance with debt collector is far more than I owe for the debt. 
When I began making repayments through XXXX of XXXX ( payment history is attached, as well as the original credit card statement. ) the balance on the credit card statement was XXXX. I was approximately XXXX over my credit limit. A total of XXXX was paid directly to XXXX XXXX bank from XX/XX/XXXX XX/XX/XXXX. I then received a notification that my account was sold to a collection agency. **The first notice from the collection agency was received XX/XX/XXXX. The payments that were being made to XXXX XXXX through my credit counseling agency were cashed all the way up to XX/XX/XXXX. The collection agency, Resurgent Capital Resources in XXXX, North Carolina is state that they were given the account on XXXX XXXX, XXXX. Resurgent Capital is stating the balance is XXXX because of of XXXX of fees and interest accruing on the account. I ca n't possibly owe XXXX on this account. My payments were transferred from XXXX XXXX to Resurgent Capital this month. However, I can not get resurgent Capital to respond to my dispute letter ( also attached ). I am asking for your help in this matter. I feel like I am being charged and having to pay this debt over and over again. My balance should be no more than XXXX. Even if a collection fee was added there is no possible way I can owe XXXX or any other amount over XXXX. I have requested billing statements and proof of all payment postings on this account. Yet, I have not received them. PLEASE HELP
WE paid our account in full on XX/XX/2017. in XXXX I received an e-mail saying I a late payment. I called and they said I had signed up for paperless statement, which we did not. They could not produce a document where I said I wanted that. When they sent me a copy of my bills for XXXX and XXXX, I saw charges for XXXX dollars on the XXXX bill which I did not charge and an interest charge of {$7.00}. on the XXXX XXXX I was charged the {$19.00} and a fee of XXXX making a total of XXXX then I called this A.M and they said I owed XXXX which is more interest. I told them I would pay the XXXX just to get rid of the hassle and they said they could not delete the rest of that interest. I want them to go back and refund me that interest and fees that I do to owe.
A medical debt was obtained by N.A.R. North American Recovery from XXXX XXXX XXXX XXXX Hospital and was billed to myself on XX/XX/XXXX for the amount of {$530.00}. I was next billed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of N.A.R. for the amount of {$550.00}. I contacted XXXX XXXX XXXX onXX/XX/XXXX and was told my account balance would be {$710.00}. I asked for an explanation or summary for charges at the time and was told " they could n't disclose that until the bill was paid in full. I reluctantly paid the full amount of {$710.00} which processed onXX/XX/XXXX by N.A.R. I asked for a summary to then be sent to me for viewing. The summary arrived quickly on theXX/XX/XXXX, however, did not state anything except that it was paid and the amount. I called N.A.R. on XXXX XXXX to ask for a summary or explanation of charges and was transfered to XXXX XXXX XXXX. I was told the charges added were for the summons that had been prepared by their law office. I asked the legality of adding fees being collected by a debt collector, and was told I had signed an agreement at the hospital on the date of my accident that I would cover any and all legal fees associated with this bill. My question would be is this a valid charge for interest & legal fees?
Since XXXX XXXX, 2013, Revenue Recovery Corporation ( " RRC '' ) has been using my social security number and date of birth to report to the credit bureaus that I owe a debt that I do not owe to Jewish Hospital. I had notified RRC several of times that I was not a patient at XXXX Hospital in XXXX both verbally and in writing. I have had to clear off my credit reports at least two to three times because of RRC reporting false information. XXXX Hospital has not responded to their inquire each attempt because I do not owe XXXX Hospital in 2013.
None of the above choices fits my actual situation. 
I have a personal unsecured loan of $ XXXX that is currently paid down to {$11000.00}. Payments are approx. $ XXXX/mo. and continue for another 11 1/2 yrs. The account is current. Shellpoint Mortgage Servicing in XXXX, TX is the monthly collection firm on behalf of their investor client..who I was once told was XXXX XXXX XXXX. XXXX but have no confirmation. 
Because of a health issue and my age, I made a written offer in XXXX, 2016 to Shellpoint Mort. Serv. to pay off the balance at a reduced amount. I was told this offer was forwarded to their investor client for a decision. 
It has now been four months without the courtesy of any reply whatsoever on this cash offer. I continue to follow up with the representative at Shellpoint ( and later his Supervisor as well ) to get a response and am always told it is beyond their control and the decision rests with their investor client. They never provide any details on their follow up efforts after my phone calls nor do they ever keep me informed of any efforts on their part to get a resolution from their investor client. 
I 'm sick of the constant delay to respond to my letter and offer and my recent follow up phone calls. There is no excuse for not replying in four months. 
Your help in getting the matter resolved is very much appreciated.
I opened a 12 month-no interest loan for items with XXXX through Wells Fargo Bank on XX/XX/XXXX. No interest monthly amount is {$240.00}. On XXXX or there about, I made a telephone payment including a a late fee totaling {$260.00}. Today while looking at my statement I noticed that my new balance is {$910.00}. XX/XX/XXXX should have been the 12th and final payment. The customer rep, after much time on hold, informed me that when I made my payment via telephone in XX/XX/XXXX, that I gave them the wrong checking account number at that time. Since I was never notified that the wrong checking account number was submitted ( whether by them or me ), I had no idea a payment was not made until today when I spoke to the account rep, who also told me that Wells Fargo in not legally obligated to tell me that the payment method was in error ( until today in explaining how they can charge me over {$600.00} additional interest in addition to the XXXX payment, if I were to pay the account in full ). Interest will now continue to accrue. Additionally, the statement is and has always been sent with a minimum amount due of {$100.00}, with no mention of the {$240.00} no interest payment, with the exception on my payment made the previous month in that amount, interest amounts and charges, etc. i.e. the statement is extremely confusing. My complaint is that Wells Fargo should have notified me immediately that the payment was entered in error when made by telephone. This leaves only two scenarios by Wells Fargo. 1. Intentionally holding the fact that my checking account number did not go through and payment was not made. Or 2. Not giving this information to me regarding the incorrect checking account number for payment until I asked seven months later when/until I asked.
Well on Thursday the XX/XX/XXXX I loaded {$85.00} on my XXXX Rush card I went to use it XXXX there were no funds I was on hold from XXXX in till XXXX jus for someone to tell me sorry your funds should be there shortly we are working on are system. Then here it is XXXX still not able to use XXXX because there is no money where is my money. I cant pay any bills are any thing. I would like to know what XXXX is doing people need to live to
Capital One and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. This is simply not true. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.