WillisBack/dataset-financial-user-claim huggingface dataset:
It all started with an overdraft onXX/XX/XXXX of {$30.00}. At the time I wasn't aware of the low funds in my account and didn't even realize that I had overdrafted my account. Later that day, I purchased some groceries and it amounted to roughly {$50.00}. The next day, I was hit with 4 overdraft fees, I was not notified of this in any way : no email, no call, nothing. There was also a pending charge from a purchase that I had made earlier that week that had disappeared from my virtual wallet account and popped back up on XX/XX/XXXX, and that hit my account with another 2 overdraft fees. It wasn't until XX/XX/XXXX that I was made aware of my overdrafts via email, on this same day I had accumulated another 3 overdraft fees. I made a call to PNC and explained that I had never been notified for the overdrafts ( also the disappearing pending charge on my virtual wallet, this would make the second time that I have been charged multiple overdraft fees for a pending charge that disappeared, then reappeared. I was never notified of those overdrafts either ), and that I wanted to speak to a XXXX about having the fees frozen, that way I could pay them before they piled up too high once I received my next paycheck. I was told to leave my phone and social security number with the representative and that a XXXX would call me back within the hour. I never received a call, so I called back the following day and was told that the fees would be stopped so I could pay them. PNC continued to hit my account with DAILY FEES even after telling me that the fees would be stopped. My account had daily overdraft fees charged to it from XX/XX/XXXX to XX/XX/XXXX on the day of my direct deposit from my job. A total of {$470.00} was deducted from my account virtually financially crippling me for this month. I knew calling PNC was not worth the frustration due to the fact of them continuously ignoring me and giving me the run around on this situation. After my second encounter with the problem of disappearing pending charges and not being notified of overdrafts, I became so displeased with PNC and how the situation was handled ( their lack of customer service ) that I had no choice but to make a complaint.
My home mortgage was transferred from Cardinal Financial to XXXX with absolutely no notification, instructions, or any form of communication whatsoever. 

I just started receiving suspicious letters from XXXX saying I had a banking account with them and needed to send them all of my personal sensitive data to finish setup of my account, which I didn't set up and had no knowledge of. 

I called XXXX, but my call kept getting dropped, by XXXX 's customer service center, to the point that I couldn't talk long enough with a representative to make any progress on assessing whether these suspicious XXXX letters were legitimate or a phishing scam. 

I checked the loan activity in my Cardinal account and saw that the most recent entry indicated a loan balance of XXXX, and also indicated the loan was removed due to release. I have received NO notification of this. 

I have no idea what is going on, if the loan has been legitimately transferred, if I should keep paying to the same place, if I need to pay through a new service, if my loan will be overdue if I don't pay to the correct institution ( if it has in fact been transferred ), etc. 

All I can ascertain is that a huge debt that is in my name and for which I am responsible for, has disappeared from the account where I've been able to access and service it. 

I've already wasted too many hours of my life trying to run this problem down with big institutions that don't seem to be even remotely concerned. Though, the second my payment is late, then they'll be concerned. 

I've worked very hard, been very responsible, and upheld my end of the mortgage agreement, only to have Cardinal and XXXX fall very short on their end. 

Cardinal and XXXX, shame.
We consigned a loan for our nephew from Navient. He lost his job and was out of work for a period and he fell 7 months behind in his payments. Navient sent me a demand letter. I called and spoke with a Navient collections agent. He told me that if I made the account current, once the transaction had been recorded I could call up customer service and get his payment down to something he could afford. After I made the payment, and it was recorded, I called customer service and was told I would need to apply for a hardship adjustment, but both us and my nephews finances would have to be approved for a hardship case. If we do n't qualify, the payment remains unaffordable for my nephew. I was never informed about applying for a hardship, he made it sound like it was a quick phone call, and we would be all set. I feel like a collections guy needed to make quota, so he would say anything to get my credit card number. I requested a call from their supervisor, but that has n't happened yet. 
If this loan was reduced to the {$70.00}, 30 year, 1 % that the collection guy told me, my nephew would be able to make the payments, and when he gets more income, would be able to increase the amount. I just want what the collection rep at Navient said we could get.
CAINE & WEINER XXXX INSURANCE XXXX XXXX, XXXX Original Balance {$410.00} Past Due Amount {$360.00} Account is not past due and the company stated they would not place in collections once an agreement was made.
On XXXX XXXX 2016 I made a payment of {$3300.00} to Nationstar Mortgage via a bank wire from my account to the account they provided me. I have faxed them my bank statements and a screen shot showing the transaction, which was done in XXXX separate ones the first for {$2500.00} and the next for {$860.00}. I also called my bank and got the transaction confirmation numbers and gave those to Nationstar. Nationstar still has my house in active foreclosure and claim they have not received the payment and are researching the issue. Due to the foreclosure status they will not accept any payments until all the past due amount is paid which is with the {$3300.00} they are not crediting to my account. This is causing me additional late fees not being able to make my current payments. I do n't know how to get the money back or make them credit it even with the proof I have sent in.
im not sure how my social was used in this particular situation but i would like this to be removed from my credit report. i ave tried to get in contact with this company but no one has responded. i was n't given the chance to dispute this item before it was placed on my credit report. i feel this could of got resolved without damaging my credit. i never received any proof or documentation of the validity of this debt and because of that i am requesting this be removed from XXXX of my credit bureaus. ill will be talking this to the media as well as hiring an attorney to look into this matter further if national recovery does not choose to comply with this matter. I 'm hoping we can reach a positive agreement.
XXXX XXXX, XXXX I am writing a letter to file a complaint and stop any unwarranted foreclosure proceedings with Bank of America. Bank of America provided me with an application for a Home Loan Modification. I wrote back XX/XX/XXXX that the bank needs to wait until I file my tax return that the bank requires in order to have a Home Loan Modification. 

I received a letter on XXXX indicated that I was denied, because I was not employed. The information that was evaluated was XX/XX/XXXX ( prior information ). 
I am employed and I wanted a home loan modification. 
Then afterwards I received a slew of follow up letters of foreclosure proceedings. I thought this Bank would clean itself up. However, it is clear that Bank is causing problems. 
I get a statement of what I owe, which is totally inaccurate when I am making my payments. My property taxes have been paid as well. 

I am requesting an investigation and restitution, because Bank of America Does not want to follow any guidelines. I am also asking that the bank will Stop all foreclosure proceedings until my application is complete this month. 

I appreciate your consideration.
Discover Debit cards Checking account They are unable to open a checking account for a military family Due to wrong information reporting on my credit report
Lender is calling my job repeatedly will not stop harassing ... threatens to come to my job or home ... .is rude and nasty ... when I hung up on him he calls back repeatedly at my job ... .he calls different extensions at my office ... .I work at a XXXX for a XXXX ... .it is crazy I am fearful of loosing my job Called Loanme.com XXXX other number is XXXX
I received statement notices from a hospital that i received patient care from, with the attending Dr 's and Dr Assistant statement reading that I owed them. They already had my Medical insurance info on file, and corresponded with me to collect money for their services. Then they reported to a collection agency without filing the claim with my insurance first. I have been so overwhelmed by this type of derogatory medical mark on my credit information. I have been depressed over this issue for awhile, and did n't know that I was the one who was n't at fault for them inadvertently making the mistake. I contacted my insurance carrier, and was advised that the hospital was n't supposed to correspond with me first, let alone have it submitted to a collection agency, that sent multiple corresponding letters. After I told them that the hospital was at fault for coming after me before contacting my insurance carrier, and then sicking a credit agency on me. Is there anything that can be done to compensate me from the agony, stress and harassment that I received?
Equifax has been changing my credit score constantly is in the XXXX now and a month ago it was XXXX. And in a month it dropped XXXX points and I do n't understand how that 's possible no changes were made. There is an account on listed shown as XXXX that has been closed and should be removed. There is a current in beat that is open and that is current and correct. Also there is XXXX that 's been on there for a very long time that 's been paid off and should not be on there. Well I am making a complaint XXXX has failed to show any credit score of mine at all. Please help me figure out why they are doing this to me thank you.
Person called me from Universal Recovery XXXX on behalf of XXXX. The bill was {$92.00}. They want me to pay $ XXXXwhich I know I have to pay. I wrote a check and it bounced. When the guy called, he said his name is XXXX he was very rude and abusive verbally. I tried to explain what happened but he was loud and told me that " I should n't have wrote a check anyway and this is what I get '' I told him to never call me again. I called a couple of weeks later to try to pay the bill and a lady answered the phone. I told her what happened during the last call, she said " he should have spoken to me that way. She said that she was going to report me to the credit bureau tonight! Of course I got upset too but I was n't at work. The name of this business is Universal Recovery. I fully intended to pay this bill, as a matter of fact I called to pay it but this is the second time that I have not been able to because of the aggressive behavior on both their part. This company should not represent anyone. They did send me three letters but I was trying to explain that my son was XXXX and noting else was on my mind at the time. I pay my bills and still fully intend to pay this one but I need advise on another way to pay XXXX because I ca n't talk to these people again.
On or about XX/XX/2016 I was victim of a stolen car that was financed through GM Financial. My insurance company later deemed the car as a total loss and paid GM Financial about {$24000.00} around XX/XX/2016. There was still a balance of between 2-3 thousand remaining on the contract. Being that GM Financial received a payment from my insurance company around XX/XX/2016 I  assumed that this payment would cover my XX/XX/XXXX regular installment payment and that I was safe  until my Gap insurance company concluded their part in paying the remaining balance. I received a call from GM Financial in the later month of XX/XX/XXXX making me aware that I was past due on this account and that I needed to make a payment, therefore soon after I made a payment of the balance owed and the next month 's balance until the GAP insurance payed off the rest. GM Financial dinged my credit report as being past due 30-60 days due to a miscommunication between me and their CSR. I am not sure how the payment was 30-60 days past due when it was only the month of XX/XX/XXXXpayment missed and I made a payment in XX/XX/XXXXfor the month of ( XX/XX/XXXX & XX/XX/XXXX ) once notified by the CSR. Prior to this incident I have never been late on a car payment with GM Financial. Due to the misunderstanding of me thinking that the insurance payment would be applied in the same manner as a regular payment coming from me I thought that it covered my regular payment as well. I have tried contacting GM Financial through many different channels to get this issue resolved. I am not asking for information to be deleted due to willful neglect, I am asking GM Financial to also see this issue from a customers perspective and also note that it is partially the fault of lack of proper communication that made this issue occur. 
XXXX  XXXX XXXX Acct # XXXX
Account Control Technology XXXX has been contacting me wrongly for many months ( over 4 ) at times between XXXX-XXXX from a Wisconsin number ( XXXX ) multiple times a week. 

The thing is, they are looking for someone who shares the same Surname with me, but it 's not me. I do n't even have any outstanding debts as I write this now. 

I explained the mix-up previously, but they continue to call. I have just recently explained it again ( 2 months later ), with a little too much passion and was hung up on. 

Either way, they are wholly incompetent on this matter and it is downright shameful they have any effect over any individuals, let alone their credit.
Did not receive the terms which were advertised. In 2011, Citibank credit card changed my interest rate service times. I was a Citi XXXX  XXXX MasterCard holder. Citibank did not accurate stick to their own policy. They denied working with me in order to settle the matter, I strongly disagree with the denial. I don't believe the company performed due diligence or even reviewed the appropriate policy terms when evaluating my claim.The credit card was offered to young college students at the location sandwich shop, by applying for the Citibank credit card the students received a free sub-sandwich. Account was garnished and ended up paying over 6,000 in settlement. When the original balance on the card was only XXXX dollars. Citibank told advantage of young college students by discriminating and unfairly targeting students. I recieved no notification of the court order nor was I allowed a chance to plead my case in front of a judge.
All  XXXX  credit bureaus are susceptible to allowing  XXXX   XXXX  to show incorrect information. I 've tried to tell the credit reporting companies and  XXXX    XXXX   a  million  times, that  XXXX   XXXX  debt was SETTLED less than full for a  XXXX  BALANCE. Yet it still sh ows a BALANCE OWED etc.,  which is not accurate.
My regular monthly Mortgage payment is {$1500.00}. 

1. 
On XX/XX/2018 I made my Regular monthly payment of {$1500.00} for the Month of XX/XX/2018. 
Along with that I made additional Payment of {$3500.00} towards my principal. 
The Company did not credit the additional payment of {$3500.00} to my account. Instead they transferred to Unapplied Funds. 

2. Similarly, I made my Regular payment of {$1500.00} on XX/XX/2018 towards my XXXX Payment. The Company did not credit this amount also to my account and transferred to Unapplied Funds Thus, my Total {$5000.00} has been sitting in Unapplied Funds without being credited towards my Mortgage Loan. They keep charging me interest on this amount. 

I called them twice before and also sent an email on XX/XX/2018,  but till today, this has not been settled.
I like to inform you that these items on my credit report should be removed. Because I do n't owe any balances to the company. I never open a secured credit card with XXXX Bank. I am going to provide the letter from XXXX that proves I never open the account. At this time I like for you to remove them from my credit report to reflect my true accurate credit report. So, that my true character will be shown to my current creditors and those who inquire about my payment history.
I had a lease with GM financial which I extended for 6 months. I was able to lease a new car in XXXX, 2018 so I returned the car on the existing lease in XX/XX/2018. However the dealer, XXXX XXXX XXXX in XXXX, MA did not process the transaction to close the original lease so GM contacted me regarding the status of the lease. I informed GM on XX/XX/18 that I returned the car to the dealer and had entered into a new lease which GM does have that information. However, GM has not reached out to the dealer to complete the transaction to close the lease. Rather GM continues to harass me with telephone calls and letters. I have tried on several attempts to resolve this with GM but can not resolve the problem.
On  XXXX   XXXX     2017 I r eceived a transfer of {$100.00} that was deposited into my  Google Wallet bal ance. Since that date I have been unable to withdraw or transfer that money on th e Google Wallet App a nd Website due to the account being a " business account. '' I have talked to their support twice and they give me the runaround each time promising to escalate to a " specialist '', whatever that is, in a followup email.      Of the two conversations I received one followup stating : " Im looking into the issue you reported and checking with our product experts. I 'll update you in 24-48 hours. '' There were no further updates. It seems that Googles policy is to indefinitely hold onto my money.
EXPERIAN is misreporting my credit report and because I have been in XXXX for over 3 years with the military I am unable to get a copy of the report to see the details that they are reporting. They are stating that I have missed or been late on payments however all my accounts have been set for auto payment well in advance of any due date for over 3 years now. The other credit reporting agencies are correctly reporting that I have never been late or missed a payment. I need EXPERIAN to provide me with the detailed report but I can't seem to get it from them because of where I am.
I receive at least one advertising letter in the mail a month from Chase bank. I do not have any accounts with Chase. I have not had any accounts with Chase. I do n't want anything to do with Chase. 

XX/XX/2016, I called Chase and spoke with XXXX. XXXX from Chase took my address and assured me the advertising mail from Chase would stop. It did not. 

On XX/XX/2016, I called Chase once again. I spoke with XXXX XXXX from Chase, and then XXXX 's boss, XXXX XXXX, supervisor at Chase. XXXX XXXX took my address and assured me that these mailings from Chase would stop after three weeks. 

I also filed a complaint with the California Attorney General 's office on XX/XX/XXXX, but all I got back was a form letter which did not address my problem. 

On XX/XX/XXXX, after getting the useless letter from the California Attorney General 's office, I filed a complaint with the Federal Trade Commission. 

On XX/XX/2016, I called Chase yet again after getting more ads in the mail. I spoke with XXXX XXXX from Chase. He transferred me to a supervisor, XXXX XXXX at Chase. XXXX XXXX was very condescending by saying things like he understands and " no worries ''. Very insulting and untrue. After XXXX XXXX 's bad behavior I asked to be transferred higher up. I spoke with XXXX XXXX at Chase 's executive office. XXXX XXXX took my name, address, and phone number. He verified my address down to the spelling and punctuation. He said someone else at the Chase executive office would contact me within two business days. 

On XX/XX/2016, I received a voicemail from XXXX at Chase 's executive office. XXXX said in the voicemail that I would no longer receive marketing from Chase but it would take 90 days for the mailings to stop. 

Today, XX/XX/2016, I received still another Chase ad in my mailbox. I called XXXX at Chase 's executive office. I left her a very long and angry voicemail because she and everyone else at Chase I spoke with either lied to me or can not do simple business tasks like removing me from their mailing list.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX. XXXX XXXX XXXX : XXXX : XXXX XXXX : XXXX : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX .XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX : Transunion : XXXX XXXX XXXX XXXX : XXXX
I have been going back and forth with the lender regarding removing 30 day late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017. I was unaware that the payments were being posted to the month prior causing the late. I made a payment every single month, and would have made a double payment had I known. These lates are really hurting my score and I would like for them to be removed.
a couple of years ago i wrote to you about triad on financing my mobile home.some of the problems were my daughter was on it and she was on XXXX so i had to refinance to get her name off or XXXX would take it. Well they refinance but they also raised the payments, dont have a title and i was going to have my bank do it and they wont without having a title. also i asked them for insurance through them their sight says they sell it and you got to have it. i caint get it they wont sell to me and i caint purchase anny because i dont have a title. the home is a XXXX they have XXXX someplace i asked them whyi paid title ins. they gave no answer
In 2013 my lender purchased my loan which was just modified. They sent me a XXXX Cancellation of debt for roughly {$56000.00}. I filed it with my taxes. They sent me a payoff letter that I requested immediately after receiving the tax XXXX c cancellation of debt of roughly {$37000.00}. On the website it says I only owe them {$37000.00} but on my credit it says {$86000.00} is owed. They told me that the IRS told them to give me that form but not to cancel the debt.