WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX just kept making errors in calculating the P & I payments they deducted directly from my bank acct, they were doing right for the first 2 months, until I paid $ XXXX to the principal, and again another $ XXXX  to the principal, and since they kept making the XXXX   up errors!

I sent them emails to ask them to correct it, w/ my own calculation based on the mortgage calculator, still, the people there didn't listen, and I do want to pay them off, at the correct amount of loan I took from them, not the numbers they showed on the statement, and I put a stop to my local bank for the new loan to pay them off, not to pay XXXX  until they come up w/ the correct number I made for them to follow. Correct numbers!
I filed a complaint XX/XX/XXXX and Experian was able to respond XX/XX/XXXX because they did not do an investigation at all. This is how they are able to give immediate responses. They have continued to violate the FCRA by not providing verifiable proof of any information. The FCRA was put in place to protect consumers and I don't understand how Experian is continously able to get a way with this. Experian has failed to follow reasonable procedures and failed to conduct a reasonable reinvestigation with respect to the inaccurate bk information.
On XXXX/XXXX/15 my husband received XXXX services through XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX billed us for the remaining balance after insurance paid their part. We had had prior experience with XXXX XXXX XXXX billing us for amounts that should have been settled through insurance. On XXXX/XXXX/15 I spoke to a person at XXXX XXXX XXXX who said the bill should be sent for adjustment and we should not pay while this was being done. We did not hear from them again. On XXXX/XXXX/15 we received a letter from Professional Credit Services saying the bill had gone to collection. We became concerned about our credit rating and paid the bill to PCS that day. When I called XXXX XXXX XXXX on XX/XX/XXXX they told me they had not sent the bill to PCS or any other debt collector but would look into it. I did not hear back from them. On XX/XX/XXXX we received a bill from a second collection agency, XXXX XXXX, for the same amount. XXXX XXXX XXXX now tell me they did send the bill to XXXX XXXX. It appears that they never did send the original bill for adjustment, nor did they attempt to re-bill us before sending it to collection. PCS tells me they did not buy the debt but had it sent to them by XXXX XXXX XXXX. They also say they paid the full amount to XXXX XXXX XXXX as soon as we paid the bill, on XXXX. XXXX XXXX XXXX claim they do n't have the money. Meanwhile, XXXX XXXX XXXX think they have a right to collect this money. We are very concerned about what having this debt looking like it is outstanding will do to our credit rating. We are also wondering where the money we paid to PCS has gone. I have spent a lot of time on the phone trying to address this, and would very much appreciate your assistance!
A Bonus Award night benefit exclusively for card members was removed from the XXXX XXXX XXXX card. When I contacted them, regarding the issue they said that the annual fee could not be refunded and offered me measly XXXX points.
l live in XXXX, FL where Hurricane Irma impacted the area on XX/XX/XXXX. My home took significant damage and I had a sizable deductible on my policy for the damages. I contacted my mortgage company, XXXX XXXX XXXX XXXX, on XX/XX/XXXX and was told that I would qualify for the 3 month forbearance for the months of XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX I called my 'relationship manager ' at US Bank and was told that if I completed a Uniform Borrowers Assistance application and myriad other documents and submitted them through XXXX and also sent them to US Bank ( via email ), I would qualify for a deferment plan and the three months mortgage payments would be moved to the end of my loan. I submitted all the requested documents on XX/XX/XXXX and US Bank and XXXX both acknowledged receipt of the necessary documentation. A week or so later I spoke to my relationship manger at US Bank and she informed me that there was no deferment program, that my loan could not be modified and that on XX/XX/XXXX three months payment were due. On XX/XX/XXXX I submitted a complaint and hardship letter to a special email address at US Bank ( XXXX ), which I received from them in a letter. In my communication I made clear that I was told by the relationship manger that I would qualify for the deferment plan if I completed and submitted the aforementioned forms. 

I received a formal response from US Bank 's Customer Advocacy Representative dated XX/XX/XXXX. In the letter they stated that " ... the representative you spoke to on XX/XX/XXXX informed me that the forbearance plan was not a deferment and that a deferment was not an option for my account ... '' During my many discussions with the relationship manager and other customer representatives I always asked for a written confirmation of the deferment and was consistently told we do not confirm in writing, but we will make a notation on your account. 

The Bank has since extended the deferment thru XX/XX/XXXX, and on XX/XX/XXXX I will owe for four months. Monthly payment is {$1600.00}. The Bank has reneged on the promise to modify my mortgage, denied they ever infomed me of this and will not work with me to resolve their error.
I contacted Ally Fin. by phone to report they had not reported my car loan as paid in full to credit bureau. They said they would followup. I contacted them in XX/XX/XXXX. Info on credit report still not showing car loan paid in full. They sent me a letter dated XXXXXX/XX/XXXX showing loan paid in full but have not reported that to credit bureau.
My loan was due on XXXX/XXXX/2015 which I paid on XXXX/XXXX/2015. I was told my pay off would be {$550.00} on a {$300.00} loan so I paid it. The next day, I XXXX guessed that payment and called to inquire ; I was told by XXXX that she had to speak with XXXX the store manager and would call me back. I had not heard from XXXX so I called today, XXXX/XXXX/2015. XXXX simply apologized to me, stated there 's nothing she could do " days later '' and offered me another loan for {$200.00}. 

I stood in front of the person helping me and counted out {$550.00} and handed over a quarter. The girl handed me back a XXXX dollar bill and said I gave her {$550.00}. 

I was n't given a receipt or the copy of my contract. I was so disturbed over owing {$250.00} on a {$300.00} loan that I just walked out of the place. 

I have been taken advantage of.
I currently have two damaging negative remarks on my credit files, these companies have no other intent other than keep me bound by loans. These two companies apparently have paid the credit companies money too re enter bad information on my credit worthiness, I am tired of being violated when there are FRCA rights and the credit companies should pay up for damages on each time. "? I am seeking justice now, I have fought this for years too the end. I have countless of copies of my credit files that clearly show that negative remarks were re entered way beyond the 7 year period. I think it is time I get money for damages and being violated. The credit companies claim oh the year on the date removed is not here yet. Well it was long passed long ago, I seek answers and stop violating me now. Please contact me and all these crooks, I want too sue for damages but need money for lawyers. I guess if multi million dollar companies can violate people due their un lack of money, then they need too pay up. XXXX my ph # Please contact all the credit reporting companies and stop this non sense.
RECENTLY I NOTICED A COLLECTION AGENCY BY THE NAME XXXX XXXX  XXXX ON MY CREDIT REPORT FOR A COLLECTION OF AN AUTO LOAN THAT DOESNT BELONG TO ME ... .I FILED A ID THEFT REPORT AND WOULD LIKE THIS REMOVED FROM MY CREDIT PROFILE
XXXX is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit score
1. Company name : XXXX/XXXX on XX/XX/XXXX.  I did not apply for any services from XXXX. I do not know who has my information but I did not authorize this. 

2. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. I was in the process of buying a home and could not apply for anything at all. 
3. Company Name : XXXX XXXX/ XXXX on  XX/XX/XXXX I did not apply for any services from this company and did not authorize this. 
4. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services and did not authorize this. 
5. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services with this company nor did I authorize this. 
6. Paid Tax lien of {$64.00} from XX/XX/XXXX. I spoke with a rep from XXXX about this and they refused to help. This was removed from my other credit reports and they would not let me explain anything or try to resolve this issue. My other Paid tax lien for a larger amount was removed with out a problem. 

Any my address is definitely incorrect.
Question : How does {$32.00} in debit card charges be approved while my business account had a Negative Balance creating an additional {$200.00} in overdraft fees when I have opted out of overdraft protection? 

Summary of facts : 1. I have a business checking account with Huntington bank opened in XXXX by an employee for XXXX. 

2. I rarely use this account 3. Had my Huntington Debit card ending in XXXX, connected to my XXXX apps, which renew yearly. 
4. I opted out of the overdraft protection, as I do with all my checking accounts 5. On XXXX, XXXX, I had a balance of + {$11.00}, when an XXXX XXXX charge for {$5.00} posted through my debit card. Leaving me a balance of + {$6.00} 6. This is where things get interesting. 
On XXXX XXXX, XXXX, another XXXX XXXX charge for {$15.00}, it was paid by Huntington leaving me a Neg. balance of - {$9.00} 7. On XXXX XXXX, XXXX, another XXXX XXXX charge for {$2.00} was charged to my business debit card and Huntington was again kind enough to cover it, leaving me a negative Balance of - {$12.00}. 

8. On XXXX XXXX, XXXX, my account was charged a {$36.00} overdraft fee : Account balance now a Negative - {$48.00} 9. XXXX XXXX, XXXX, another {$36.00} overdraft charge for the {$2.00} purchase : Account balance now a Negative {$84.00} 10.  XXXX a debit card charge for {$24.00} was approved increasing Negative account balance to {$100.00} 11. On XXXX XXXX, Huntington bank charged my checking account another {$36.00} overdraft fee ; Balance now Neg. {$140.00} 12. Also XXXX XXXX Huntington charged my account an Extended overdraft fee of {$25.00} : My Balance Neg. {$160.00} 13. XXXX : I received another Extended Overdraft fee of {$25.00} : My Negative balance increases to {$190.00} 14. XXXX. I deposited a check for {$15.00} : Account balance a Neg. {$170.00} 15. XXXX XXXX, XXXX auto payment through my debit card for {$72.00} came through. Huntington allowed the charge, WOW! 
16. My account balance increases to a Negative {$250.00} 17. On XXXX my account was charged another {$36.00} Overdraft fee : Negative account balance increases to {$280.00} 18. After ( 2 ) more {$25.00} Extended overdraft fees and a few deposits. My account balance now stands at a Negative {$260.00} as of XXXX, XXXX. 
19. On XXXX XXXX, XXXX I called Huntington bank to see what was going on. How do all these charges get approved when I do not have the funds available and I have opted out of OverDraft protection. Her response was since I am such a great customer Huntington bank extends the courtesy of allowing the debit card charges to go through. I asked about all the overdraft and extended overdraft fees. She said they could credit me back {$75.00} but the rest will remain. 
20. How am i identified as a great customer when I rarely use this account? 
21. As of XXXX XXXX, XXXX I have not received any credit. 
22. However, I am still very confused. The primary reason I opt out of overdraft protection was to avoid the Overdraft fees. This account is primarily used during election years. So, how is Huntington able to charge me overdraft fees?
On my credit report I have XXXX marks that say I was over 120 days late. This is incorrect. The dates were XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. These are my children XXXX and XXXX 's private student loans that I co-signed. At the time neither I or my children could pay the {$2800.00} per month that they insisted we pay. After 3 months of negotiations with Navient we were given an income repayment plan for one year. During those 3 months we paid {$100.00} to each loan every month, which is what we could afford. Navient posted on mine and my children 's credit report that the payments were not paid at all and were 120 days late. This has drastically changed my otherwise perfect credit report. These errors need to be rectified as soon as possible. Attached please find Navient 's own account summaries showing corresponding dates and payments made during this period.
1. XXXX 2. XXXX 3. Equifax The/XXXX I 'm authorized XXXX XXXX is primary account I am an authorized user on these accounts or cards and you still have n't place them on my credit file. I would like for you to immediately place the accounts on my credit report please. The card user contacted you several times and authorized me on the cards for all 3 bureaus but you never performed the task by placing me on the accounts why is it taking long. 

XXXX and XXXX accounts not reporting : 1. The/XXXX Opened XX/XX/XXXX balance is {$2100.00} 2. XXXX XXXX opened XX/XX/XXXX {$3300.00} reports on the XXXX of the month good standing on all of my payments current last payment XX/XX/XXXX Equifax accounts not reporting 1. XXXX XXXX Opened XX/XX/XXXX {$3300.00} reports on the XXXX of the month good standing on all my payments current good standing. Last payment XX/XX/XXXX
I have a Discover card that I no longer use or have a balance on, and today I got the following email from them : '' XXXX XXXX, your Discover card 's built - in benefits are streamlining on XXXX 2015At Discover, we want you to be happy. That 's why periodically review the valuable benefits that are built in to your Discover card. We have decided to retain some benefits - like purchase protection and price protection - and discontinue others. 

What this means for you : Effective XXXX XXXX, 2015 Discover card will discontinue the following benefits : XXXX Travel Assistance, Baggage Delay Insurance, and Emergency Roadside Assistance. If you have a loss or incident that occurs on or after XXXX XXXX, 2015, it will not be covered by these benefits. 

Want to learn more? 
See all your card 's built-in benefits at Discover.com/cardbenefits. " This seems entirely misleading. They want me to be happy, so they are removing some benefits. They put that jumble of sentences before the actual change just to make it seem like they were n't taking something away.
Loancare, my mortgage servicing company failed to pay my supplemental property taxes even though we have an escrow account for property taxes. They did n't pay on time accruing late fees. They failed to inform us that they do n't cover supplemental property taxes thus leaving us to believe they were being paid. Then when I called to find out what was going on I found they paid the first installment late but not the second. So they pay them sometimes only when they want to? I could n't get a straight answer and they were really rude on the phone.They lied stating we were told about the supplemental not being paid however that proved to be false as well. I also have another complaint about XXXX XXXX mortgage co. who our loan is actually through, I think. By the way do n't get me started on knowing the difference between a loan servicing company and our actual lender. Anyway XXXX set us up for a second mortgage fixed rate only to find out after the fact it was home equity line of credit with no fixed rate!!! These mortgage companies are still doing shady things and getting away with it with no accountability. I have several friends who have similar stories of shady financial dealings with lenders. Since all of this we are refinancing with a much more straight forward company ; XXXX XXXX XXXX XXXX XXXX.
On XXXX XXXX, 2017 I received a notification from XXXX stating that my Best Buy credit card account was 30 days past due. When I contacted Best Buy they informed me that I made my minimum payment of {$45.00} on XXXX XXXX, but I was given the late notice on my credit report because the late fee associated with my account was not paid. I requested several times to get and explanation regarding this but was told that my minimum payment for my card was approximately {$160.00}. I asked if that included the late fee and the customer service rep said no it was my minimum payment. I asked to speak a dispute specialist but the specialist refused to take my dispute and stated that I did n't have any basis for a dispute. I then asked for a review of my payment history to see if there was a problem and again was denied. 

I then contacted customer service again and spoke with XXXX XXXX # XXXX XXXX and she took the time to explain what was going on with my payment history. She stated that back in XXXX my late fees were removed by a previous representative. She then explained that a payment was missed in XXXX XXXX and I was given a {$37.00} late fee. I was then informed that my balance due for XXXX was {$120.00}. After a review of my statement I observed that my balance due included my regular minimum payment of {$45.00}, my past due amount of {$45.00}, and the late payment fee of {$38.00}. I made three payments in the month of XXXX to bring my account current so that it would not effect my credit. I made the past due payment for XXXX on XXXX XXXX in the amount of {$54.00}. I then made the payment for XXXX on XXXX XXXX in the amount of {$54.00}. I then made the payment for the late fee accessed in XXXX and XXXX on XXXX XXXX in the amount of {$54.00}. This brought my total payment amount for the month of XXXX to {$160.00}, which a credit of {$34.00} should have been added to by minimum payment due for the month of XXXX. XXXX the customer service rep stated that the payment made on XXXX XXXX did not go towards the late fee as requested but instead they used that payment and applied it towards my XXXX payment. This then caused me to be accessed another {$38.00} late fee for the month of XXXX. XXXX also informed me that even though my account is closed and I can no longer add to my overall balance, that they were added any late fee accessed on my account to my overall balance and chagrining me interest. I asked her if that was legal and she could not tell me, but she did inform me that the late payment remark on the credit report was not for the minimum payment being missed but it was for late fees. 

If Best Buy would have applied the payments as instructed then the account would be current.
Due to an incident in XX/XX/2015 my credit has been tarnished ( please see my previous submitted cases ). 

One of the side effects was the reduction of the credit line from $ XXXX to {$500.00}. I previously opened a case which was denied due to this ongoing issue which is still an active investigation with multiple law enforcement groups. I was told that I would be eligible to request non-hard credit limit increases every 6 months. This past month I called to request a good customer increase and was told that the policy has changed, and this is no longer the case. I understood and do not want any additional hard checks on my account as I am trying to repair the damage due to the XX/XX/XXXX incident. I instead inquired how I could put my revised salary information on my account, given this card was initially opened in XX/XX/XXXX, likely the salary information is from that time frame. I was told there was no way to update my salary information on the account without a hard credit check, which surprises me. I tried multiple chat and phone representatives and even spoke to a Wells Fargo branch manager who actually recommended I submit this complaint since she in the past had similar issues. 

All I want is to update my salary information on my credit card so that in the event of an account review, the most current information is available to ensure the possibility that my limit is automatically increased without a hard credit check.
Today I contacted XXXX XXXX XXXX XXXX and informed that the debt in question had been charged off in XX/XX/XXXX.I do not see this debt even listed on my credit report as well as no public record. I was originally taken to court back in XX/XX/XXXX and because I was on ssi the bank wrote the original debt off.
Discover Card had, at XXXX time, authorization to withdraw payments from my checking account. In XXXX of 2015, I asked them to stop withdrawing their payments from my checking account. They continued to do so. I placed a block on my account so that they could not continue to withdraw funds from my account, and they created " dummy '' checks and continue to withdraw money. I changed my bank account information and they somehow found out my new account and withdrew money again,
I have a credit care with Care Credit - I used for dental work XXXX 2015. It was 1 year deferred interest. I made my payment each month - then in XXXX - I hit a bump and did not make a payment - then got back on track. Well, that bump - made them charge me over {$900.00} interest. Now I owe more than I charged. Is that right?
I wanted to state that my experiences with Citizens Bank have been ongoing practically since the time I joined in 2011. Three areas of concern entail not establishing a set normal withdrawal limit as well as an overdraft limit ( resulting in unnecessary charges ) and transitioning from just an NSF fee per occurrence to including a XXXX sustained fee then to a XXXX sustained fee charged in XXXX intervals totaling XXXX. Your assistance would be greatly appreciated in establishing a set policy instead of having the bank make changes without notifying consumers in advance. 
Thank you, XXXX XXXX Customer account XXXX
I have now left XXXX messages on the legal resolution team at Pressler and Pressler after receiving a XXXX letter from their offices. I spoke to someone this afternoon and the amount I " owe '' has increased from the {$820.00} ( amount which was repeated several times throughout our communication as well as the number presented as part of evidence in their notice of motion paperwork. I would like to understand how the sum owed has substantially increased as of this afternoon to well over {$1000.00}.
According to NY State law, reporting agencies must remove paid charge-off accounts 5 years from the moment the account went first delinquent. Experian does not seem to comply with the NY ruling. Experian recognizes the DOFD and settlements instead of the charge off date and full payment.. <P/>Account # XXXX ( opened on XX/XX/XXXX ) was removed from XXXX and XXXX as per NY state law. Experian is still showing this negative item. <P/>XXXX ( opened on XX/XX/XXXX ) was removed from XXXX and XXXX as per NY state law. Experian is still showing this negative item. <P/><P/><P/>Experian needs to comply with NYS laws and not interpret their own ways of handling this.
To Whom it may concern, I currently hold a student loan with Discover Student loans. 
I have been making monthly payments since I got the loan. 
This month ( XX/XX/2018 ) I decided to pay the full amount of the loan, USD {$20000.00} I paid before my monthly due date and USD {$57.00} today, XXXX2018. 
The bank argues that due to the fact that it is a large amount of money and that its an international wire transfer, its taking more days than usual for the bank to confirm reception of the funds. 
I already sent proof that the payment was sent. 
The bank has me on 9 days delinquency status since they have not received the funds. 
I am requesting that the delinquency status gets deleted and that my cosigner is not contacted since I already made the payment and sent proof of it. 

Regards, XXXX XXXX