WillisBack/dataset-financial-user-claim huggingface dataset:
I paid my Chase credit card bill that was due XXXX/XXXX/17 on XXXX/XXXX/17 at XXXX and was subsequently charged a {$25.00} late fee, because Chase has a XXXX payment cutoff for online payments. The company also charged me a {$23.00} financing charge for interest. This is not the first time I 've been charged this fee as I 've had two fees waived before where I made a payment on the due date but after the cut off time. The most recent time the Chase employee I spoke with told me if I paid over the phone after XXXX I would not be charged a late fee. I attempted to pay by phone on XXXX/XXXX/17 to avoid the fee, but needed my full 16 digit card number to get through to anyone. I did n't have my credit card on me and I spent probably ten minutes going through different options trying to find one that allowed me to speak to a real human, but every time it wanted my card number. Therefore I paid it online and figured they would refund me given my attempt at phone payment. They did not. While {$25.00} is not a huge amount, this is a predatory practice these lenders use to pad their returns ( I know, I am a XXXX XXXX and speak with their management teams frequently ). Chase claims it says on my statement there is a XXXX EST deadline, which it does, but it 's in the fine print in the middle of the bill and no where near the portion where it tells you the amount and the due date. Given the small fee I wonder how many people this happens to that either overlook it, are too lazy to call them, or have the same experience as me. Point blank, if they have a cut off time of XXXX EST then that 's my due date and that 's what should be displayed as my due date, not just a generic date ( i.e. XXXX XXXX, 2017 ). Interestingly, Chase does n't even have the capability to issue a refund for this beyond the second instance, which I know because I spoke with a supervisor to attempt to get my fee waived who said there is " no way to override the system. '' This says to me senior management purposely programmed their system to take advantage of people who pay on their due date but past some arbitrary time deadline and are banking on the fact its a small fee that probably wo n't drive the customer away. Please change this practice. Chase is the only company I 've had experience with that has a time deadline rather than a day deadline.
Wells Fargo took {$290.00} deposit and are saying they didnt get it when XXXX XXXX has sent me and then all the information showing they got it, I was using the money Friday and Saturday when I got up the account was overdrawn. They still havent given me the money, now my account is overdrawn. They also closed my savings account when I had claims open, they owe me over {$1000.00}. They wont give me my money!
These people are not licensed to perform XXXX XXXX excessive interest rates XXXX operations in the state of California or the USA. They are charging me a interest rate of % XXXX and the department of business oversight of the state of Ca. said that they can not do that. Their phone number is XXXX
A NOTICE OF TRUSTEES SALE WAS SERVED ON MY FRONT PORCH BY XXXX XXXX XXXX   XXXX CALIFORNIA ON FRIDAY XX/XX/2018. THIS IS THE SECOND ATTEMPT BY THIS DEBT COLLECTION AGENCY TO ILLEGALLY SELL MY HOME AT AUCTION .THIS NOTICE WAS SUPPOSED TO BE SERVED TO XXXX XXXX AND XXXX XXXX AS THEY DO NOT LIVE AT THE ADDRESS SERVED, THEY WERE NOT SERVED. MY NAME ALSO DIDNT APPEAR ANYWHERE IN THE NOTICE OR ATTACHED DOCUMENTS NOR WAS THE NOTICE TO PROPERTY OWNER SIGNED IT WAS LEFT UNSIGNED! WHAT KIND OF SERVICE IS THIS? THIS IS BAD SERVICE WICH RENDERS IT VOID. I AM THE OWNER OF THE PROPERTY IN QUESTION AND I WAS NOT SERVED. THIS IS A DEMAND TO CEASE AND DESIST ON THE ILLEGAL AUCTION OF MY HOME AS YOU NOR CHASE BANK HAS VALIDATED THE DEBT, IT IS ILLEGAL FOR CHASE BANK TO HIRE XXXX XXXX TO FACILITATE A ILLEGAL THEFT OF MY HOME .IN NON COMPLIANCE WITH FDCPA 15 US CODE 1692 AND SECTION 5 OF FTC  REGULATIONS.
The following is on my EQUIFAX credit report 2 times and are exact duplicates. I have disputed with EQUIFAX and the results of their research is that they are both valid. Why should the exact same mark be listed twice with the same exact account #, company, dates and dollar amounts be listed twice? I previously disputed the original mark and at the end of the first investigation, they found it valid and then reported it twice. My credit score has gone down even lower as a result of it looking like 2 bad marks when it should only be one. 
Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX MN XXXX Phone : ( XXXX ) XXXX Original Creditor XXXX XXXX XXXX ; Amount {$310.00}
We have been clients of Chase banking for over 20 years with no issues. As of XXXX XXXX, 2016, our account was compromised ( both checking and savings ) in which all of our money was removed from the accounts. We had realized that our account was compromised when we attempted to make a purchase and our account was denied. We received no alert from Chase that a questionable purchases from another state were made. We contacted Chase the moment that we found that our account was compromised and they had closed our account and told us that we needed to go to the nearest Chase bank to open a new checking account which it would take 48 hours to reimburse us. We opened the new account on XXXX XXXX, 2016 at the XXXX branch in which they claimed that the money would be placed into the new account. We explained that our paychecks are directly deposited into our checking accounts and they assured us that the paychecks would be wired from the old account into the new account. The money from our paycheck was deposited into the new account, but as of Friday, XXXX XXXX, 2016, our account once again had a zero balance. None of the money was taken out by us. We returned to the XXXX branch, spoke to the representative that opened our new checking account, and she told us that the money that was removed was from a computer error and would be back in our account by Monday or Tuesday. Today, XXXX XXXX, 2016, I had called the bank representative and she had told me that all of my accounts had been closed and that our money would not be reimbursed at all ( XXXX the money that was originally taken from the account, as well as our most recent direct deposit. She gave us a phone number to call, because she did not have further information for us. After calling the number, we spoke to a XXXX, who explained that the claim went through review and due to " multiple claims '', we are liable because our bank accounts were not secure enough. I had inquired about the " multiple claims '' in which he changed his wording and mentioned that it was only XXXX claim. He said that Chase no longer wishes to do business with us. This has been the first time that we had ever had a compromised account without my knowledge as to how the account was compromised. The transactions were made in Florida from what we were told and we had not been in Florida nor made any transaction with anyone in Florida. It was explained to us that since the money taken was less than {$5000.00}, our account would be reimbursed, which did not happen, nor did the reimbursement of our direct deposits.
Due to an internal glitch at Franklin American ( their fault ) a payment posted 3 days after I made a payment. It was due on XXXX/XXXX/16, I tried paying on XX/XX/XXXX, but the website was down. I called on the morning of XX/XX/XXXX and the rep assured me he would put it in so it would show posting on XXXX. Well, he did n't follow through causing my payment to post on XXXX/XXXX/16 ... more than 30 days late. Now they 're telling me that I now do n't qualify to have my PMI taken off because of a payment being over 30 days past due and are refusing to do anything about it. IT WAS THIER FAULT I could not make a payment because their website was down and called it in the next day which was STILL within less than 30 days.
XXXX XXXX is trying to sue me and garnish my wages for debt that was created well over 3 years ago. In Mississippi, the statue of limitations state that after 3 years, they legally can not do that. They turned my sent over to a collection company called Sanford and Adams in XXXX Mississippi. They canning keep violating my rights and trying to take my hard earned wages. Something needs to be done. XXXX currently has a lawsuit against them relates to outrageous overdraft fees!
Dear sir 's, I am writing to complain about our finance company. the name is Selene finance out of XXXX  Texas. We had started a process of refinancing with XXXX XXXX XXXX XXXX  in XX/XX/XXXX. Our personal contact was with XXXX XXXX XXXX. Working together we started the process which we understood to only be a thirty day process. W e helped pull our credit history. XXXX XXXX  scores were XXXX, XXXX, XXXX. Mine ( XXXX ) were XXXX, XXXX, XXXX. We contacted Selene and asked for a payoff amount, We had tried almost daily to get through, only to be told " we are experiencing high call volume '', and put on hold. XXXX XXXX tried contacting them also with the same results. When they finally got thru to someone, Selene said we were in an open bankruptcy. It was a lie. Selene has delayed the process so long that we were past our deadline and would have to start all over again, it's been almost 50 days. My husband has XXXX XXXX XXXX, he got while serving our country in XXXX  ( XXXX XXXX ), his hope was to get out of an open interest to a fixed rate before his health got worse. The stress of this whole situation has been so rough on him. He was looking out for me. We have tried to get them to send a payoff statement, the last one was the first week ofXX/XX/XXXX, iam still waiting for it. The false information they gave has cost us more than just time, it has caused us so much stress. Thank you for any help you can give, Sincerely, XXXX  & XXXX XXXX
I AM FROM NEW YORK STATE On XXXX/XXXX/XXXX Ive reached out to someone XXXX XXXX sell my portion of bitcoin to. I found this person via XXXX. After talking through text for a few hours, we agreed upon $ XXXX For XXXX XXXX, the {$340.00} was to be paid by him via the cash app. 

This scammers number was a voip number. 

Initially I sent a small amount of BTC to him and he sent money via cash app. I figured it was okay to continue the rest of the transaction. 

Sent XXXX to him and that was it, i called texted and received zero response. 

Frustrated his has happened, I went back to the original XXXX ad. Instead of texting the number on the ad, I emailed instead asking to buy XXXX BTC in cash The original XXXX ad was set to XXXX, PA. I received an email response a few hours later from XXXX XXXX  asking if I was from California. I told him yes and began chatting on where to meet up to make the sale. 

I learned he is in XXXX, Ca, so I called the XXXX police department and explained to them what happened. A detective will be calling me back on a weekday to talk further. The officer I spoke to said its most likely can set up a sting to catch him. 

I have tried to call Coinbase but the dont have an actual phone number. 

I have called XXXX cash card and explained to them what happened, asking for the phone number of the person that scammed me. 10 days until they respond. 

I have records of all texts, transactions with numbers, his voip number, original XXXX ad as well as bitcoin wallet addresses I was giving by him. 

This is the original XXXX ad XXXX : XXXX
I have contacted the lender many times asking if they would remove the PMI from my mortgage payments without a positive resolution. The PMI makes my mortgage higher than i can afford and it should have been gone a long time ago.
On  XXXX   XXXX   2017 I c all ed PennyMac an d was given an amount of all monies that were in arrears {$7000.00}. This was paid by check on  XXXX   XXXX   2017. The y did not cash check f or 2 we eks. This month I get a bill saying I have {$130.00} in late fees added to ballance. If account was at  XXXX , with no payments due, then how do I owe 'late fees '.
Discover cancelled XXXX of my charge cards followed XXXX CD 's and finally my checking account at the time my credit score was over XXXX and had no issue with the banking I sent them letter and they called and told me it was a business decision. I am turning XXXX in XXXX could this be age discrimination. I have a copy of the letter I sent if you would like a copy.
On XXXX XXXX, 2015 I was approved for a mortgage modification trial period plan by Ditech Financial LLC ( formerly Greentree ). I agreed to the plan and completed all of the company 's requirements for modification, only to receive a letter dated XXXX XXXX, 2015 from Ditech saying I was ineligible for the modification because I had not submitted all of the requested documentation! I found out at the very last minute they were denying the modification due to a lien placed on my property by the Home Owners Assoc. for past fees due, WHICH I HAD DISCUSSED WITH THEM FROM THE BEGINNING! I asked them initially if they could roll the past due amount into my mortgage modification, which they stated they could not ( so they knew about this lien from the very start ). Since Ditech said they could not roll the amount owed on XXXX fees into the modification, I contacted the XXXX in XXXX for help with the lien. When Ditech asked me for something in writing to substantiate how I intended to catch up on the XXXX fees, I had had the XXXX XXXX XXXX fax them a letter outlining how they were helping me with the issue of the HOA fees. The XXXX XXXX provided me with proof of Ditech receiving their communication, yet Ditech NEVER RESPONDED to the Clinic, but proceeded to send me the denial letter. I should be allowed to have the mortgage modification they approved me for, after I met all of their requirements. Further I will add, the exact person who was in Loss Mitigation working on my modification, NEVER personally returned my calls, nor did she EVER answer the phone. I have never personally spoken to the woman who was handling my modification, no matter how manty times I tried to contact her. All of my phone communication was done with " XXXX '' in Customer Service.
I have been disputing this debt with XXXX XXXX XXXX XXXX ( PRA ) with no resolution. I sent a certified validation letter on XX/XX/18 in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I received a letter stating that this account number xxxxxxxxxxxxxxxx was sold to Portfolio Recovery Associates ( PRA ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/18 and in return they sent the same letter as the first time. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the XXXX. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Former servicer XXXX approved modification XX/XX/XXXX, and final documents were approved in XX/XX/XXXX, but the servicer changed to Ocwen. When the final documents go to Ocwen in XX/XX/XXXX, Ocwen wouldnt honor the modification. Ocwen acknowledged for the first time ever receiving my Notarized and signed Modification documents on XX/XX/XXXX. For 5years Ocwen kept stating " owner doesnt allow modifications '' in their response to me. But Ocwen wouldnt acknowledge what I sent in XX/XX/XXXX. I want to keep my home, I can afford it. I submitted emails and had many calls to the investor, " XXXX XXXX '', but the bank says they are not the owner of my loan. I do not know who owns the loan because XXXX XXXX, of XXXX XXXX  in XXXX XXXX XXXXXXXX says that XXXX XXXX isnt the owner. Ive had several conversations with XXXX XXXX to help me find out who is the owner of my loan, but XXXX XXXX says, XXXX XXXX isnt the owner. I requested to Ocwen numerous times to please tell me who is the " Owner '' so that I could make a request to modify the loan. Please dont allow Ocwen to sell my home. I have no other place to live. I have been in my home 25years this XX/XX/XXXX, and I need your help. Please help me CFPB.
I do owe a debt and am paying it down, however, " until the debt is paid, collection attempts must continue '' is what I 'm told. It 's Sunday morning, XXXX XXXX and XXXX CDT. They have called 5X this morning already, on a Sunday, staring with the first call being a XXXX sharp.
This account is fraudulent and the company refuse to remove the account due to identity theft. Someone went to the XXXX under my name and created a debt.
Dispute is with Barclays Bank Delaware Upromise credit card. I Purchased a deposit for a sailboat charter XX/XX/XXXX for {$940.00} with balance completed on XX/XX/XXXX of {$2900.00} totaling {$3800.00}. Charter was cancelled due to hurricane Irma and merchant did not want to refund so credit card company credited account on XX/XX/XXXX. Merchant ended up refunding {$3800.00} on XX/XX/XXXX so account was overfunded. XX/XX/XXXX credit card company rebilled {$3800.00} balancing the account. XX/XX/XXXX credit card company rebilled again but the amount of {$2900.00} and then credited back the amount {$2900.00} on XX/XX/XXXX once again balancing account. XX/XX/XXXX the account was credited again for the amount of {$2900.00} leaving the account overfunded. On XX/XX/XXXX the account was billed not once but two separate charges of {$2900.00} totaling {$5800.00} leaving the account negative {$2900.00}. I have placed multiple calls and waited for call backs or any corrective measure to be taken. As of XX/XX/XXXX I have not had this issue resolved.
I fell behind during a financial issue on debts, as I was catching up everything XXXX sold my debt before I could recover. XXXX XXXX XXXX bought the debt and issued a letter threatening to sue me in XXXX. I responded in XXXX with " first request ' requesting to have a payment arrangement sent to me. A month later I got a second notice threatening to sue me. I again responded with 'second request ' for repayment schedule. In XXXX I was notified that XXXX XXXX XXXX and their attorney XXXX XXXX had filed a lawsuit in court against me. I have attempted to obtain a repayment schedule form them again, this time by certified letter to XXXX XXXX, XXXX XXXX XXXX and copied all to XXXX County Court. They have deceptive practices and I will not make a non-binding verbal agreement over the phone to only have them continue with the lawsuit to garnish my wages/property. I am attaching copies of the most recent letters and USPS tracking numbers. In addition a screen print from their web page showing I can not set up payments. I was able to work with all of my other creditors to catch up and have one additional in collections that have allowed me to set up payment arrangements. It seems MCM is only interested in deceptive and threatening practices, not in actually working with the debtor to get the debt paid. I still would like to opportunity to set up payments on this account and have the lawsuit removed.
XXXX is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with XXXX. This account number is the only account number that XXXX has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XX/XX/XXXX through XX/XX/XXXX on the XXXX of each month. XXXX is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. XXXX responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the XXXX website that shows the allocation of payments and the single account number issued by XXXX.
Sometime in XXXX, I had sent a debt validation request via certified mail regarding other accounts, and received a response with medical information not at all connected to my identity. This letter included multiple HIPAA violations. In response, I sent another certified letter informing them that not only was it not my debt, but the information provided by them was inadequate to meet the conditions for validation ( please see attachment XXXX ) This eventually lead to the removal of this specific account from my credit report. 

Since, I have had several more appear on my credit report with I have been unable to get a certified letter to Plus4 about, making an attempt to reach resolution as I am not sure these accounts even belong to me. Each of my letters were mailed to the address listed on my credit report, and returned as " Undeliverable : refused ''. At this point I made an attempt to contact Plusfour via telephone, and was told that they do not accept certified mail at their address. I believe this is a violation as they do no allow me to request a validation. 

On XX/XX/XXXX, I sent certified letter to debt collector requesting debt validation This was marked refused. 

Since attempt to contact plus4 via the appropriate legal channels, multiple accounts have appeared on my report, and I am unable to validate any of them due to their refusal of my attempts.
I just recently found out the City MORTGAGE AND NATIONAL DEFAULT foreclosed on my property illegally. I was corresponding with CITI MORTGAGE for a modification gave them all the details pertain to my finance. At the same time I asked CITI MORTGAGE AND NATIONAL DEFAULT to validate the debt. The reason why other entities were calling and mention that the loan has been sold. Who do I send payment to? I ask the entities to validate the debt they ignored all my paper work and foreclosed on us. While they were supposedly working with us for a modification. I need to report this asap so they can correct this matter immediately.
there were fraudulent charges on my card. i called up on XX/XX/XXXX to report them them and get a new card sent. i was told i would receive in 1-2 business days. after not receiving the card on thursday i called back. i was told the card was sent via regular mail and they would expedite another. monday, after not receiving the card i called back. they said the card was sent but they didnt have any tracking and they would issue another one. i still have not received my replacement card and i have not received any type of email from citi bank