WillisBack/dataset-financial-user-claim huggingface dataset:
My loan is NOT paid off. Huntington Bank is holding my title. I moved to Oregon, and contacted them on XX/XX/2018 and spoke to XXXX.. asked, per Oregon DMV , to have the title sent to them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX so I can tag and title my vehicle within 30 days, as required by law and my insurance company. I was also asked for my new mailing address, which i gave. I was told it normally takes 2-3, but I rush would be requested and it should arrive within 10 business days. On XX/XX/XXXX, received a call from XXXX, supervisor, stating they were unable to send my title to DMV,  because they didn't have my updated address. It was given again, was told tithe would be mailed on XX/XX/XXXX. By XX/XX/XXXX, title was still not received. I've called 4 times since, with broken promises of callbacks, and nothing. Told the title department isn't responding to emails. I've asked for email address, told was for internal use only. No direct line to call. Now, I'm 31 days. ... over a dozen calls, hours on hold and no title to be able to legally tag or insure my car. I've never been late on a payment. Feeling helpless ... worse customer service ever!
I applied and received an online account with XXXX XXXX that later turned into just Synchrony Bank. I was told I had the option of paying interest as I go or delaying interest payment. I chose to pay as I go. When I called, they said I did n't have the choice. They changed it without my permission to delayed interest payments as long as payments were made on different amounts in different periods of time. But no matter how I made my payments, they shifted money around that did n't pay off the things they said I had paid for with delayed interest, which I never wanted.
I have been enrolled in autopay for the life of my loans. I am of the understanding that these payments were to cover the amount of interest across 3 loans that totaled {$15000.00}. Upon looking for a payoff amount, I see my balance due is is over {$19000.00}! Having not made any principal payments, and making all my payments on time, I would not expect my payoff to be more than {$15000.00}. Also, when I initiated these loans, my interest was around 9 %. Looking today they are between 10.75 and 12 %. I receive monthly emails that are essentially a reminder that I have accounts with Navient ; I can not recall any additional communication ( short of Navient taking over my loans from Sallie Mae ) that mentioned anything about arbitrarily moving my fixed rate loan interests.
This company has been contacted many times and I have asked to documents showing the contract I signed. They have sent nothing in response to dept validation request. In addition I was never officially informed this company was attempting to collect any debt. They have information that is not mine such as addresses.
Over the years I 've received collections calls from a " collections agency '' collecting debt for HSBC XXXX credit card. I was a college student in XX/XX/XXXX when that card was received. I do n't believe i ever used the card, if i did, I paid it off and if i owed them they should have taken action nearly 20 years ago. Before I became internet savvy, I 've fallen for what I think now is a scam maybe twice before and ended up sending these people money I really did n't think i owed. It was probably over 10 years ago since I sent them {$200.00} dollars at least. Now they are back for more money. They called leaving a threatening message that my mom picked up. She 's XXXX y/o and was frantic and upset after she called the number back to people threatening to lock me up. I am in Arkansas but there is someone in OK threatening to push a summons through if I do n't cooperate. I believe this is a scam and do n't want to be burden now or later from a company who ca n't provide me any written documentation on what I owe, if i even do at all. The number they called me from is XXXX " Detective XXXX '' he says he 's from some county courthouse not even in the state where I reside.
Capital  One Auto Finance has  been receiving verification of late payments on a closed  XXXX   XXXX   XXXX . Account closed in  XXXX . I have given repeated lette rs to Capital One on  the verification in writing my payment history.    XXXX   XXXX ,  XXXX  I submitted a written notice of legal action due to the repeated request of written verification. I received a called on  XXXX   XXXX ,  XXXX  from  a Capital One Finance R epresentative stating that he will research.   Yesterday on  XXXX   XXXX ,  XXXX  I received a ca ll from Capital One Finance stating  that the payment history is correct. I asked will I get a written verification of my payment history it was denied. The representative stated that a letter was written stating that his team research was correct not payment history to be verified. I have never debt verification of my payment account history. Per FCRA rights they have to release late reporting on my credit history
I closed my mortgage loan with US Bank my account # XXXX under XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX in XX/XX/XXXX. At that time I signed a servicing disclosure stating US Bank was to pay my property taxes before XX/XX/XXXX directly from my escrow account. I found out on XX/XX/XXXX that they did not pay our property taxes. I had XXXX in my account and my property tax bill was {$5300.00}. I had to scramble around to pay my taxes so I can use the deduction on my XX/XX/XXXX Federal and State tax  return. On XX/XX/XXXX I paid my tax bill. On XX/XX/XXXX I called and faxed my paid receipt to XXXX they showed receipt of my reimbursement memo on XX/XX/XXXX. To date I have contact them 4 times asking to be reimbursed for my taxes and also to be reimbursed for them holding too much money in my escrow account. I should not have to continue to wait for a response or reimbursement. My escrow account like I said also have over {$2000.00} in it much more than needed. This is my last try to get them to respond. I want my reimbursement now.
I had my annual health exam which BY LAWis covered 100 %. XXXX XXXX XXXX made a mistake encoding the XXXX   test. This ended up to a 3rd party XXXX XXXX. Which in turn sent it to Professional Finance Company which refuses to confirm or correct or verify the debt.
XX/XX/XXXX XXXX $ Original creditor name : XXXX XXXX XXXX Placed for collections XXXX XXXX XXXX I have never had XXXX XXXX XXXX I contacted XXXX XXXX systems and they ask for my social I did not give it to them I gave them basic info and they said based on the info givin they was not able to pull it up. 
I found out about the collections on XXXX XXXX
TRANS UNION REFUSES TO PROVIDE ME WITH A COPY THE LETTER XXXX XXXX XXXX XXXX XXXX SENT THEM CORRECTING MY CREDIT RATING.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
On Today, I decided to look at my updated credit report and noticed that they were 4 hard inquiries that I never authorized or have knowledge of. I ask that these inquiries be properly investigated and I also want to receive a copy of proof of how these inquiries were verified. I never gave these companies permission to view my credit report. I 'm also aware that according to my FCRA rights, inaccurate information is n't allowed to be on my credit report. I DEMAND that these inquiries are REMOVED immediately. The inquiries are : XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX
In correspondence dated XXXX XXXX, 2017. I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
I opened a business checking account at Citizens Bank when I started my small business about a year ago. I chose the " Clearly Better Business Checking '' account because it has has no minimum balance requirement and no monthly maintenance fee. In general it seemed like the best low-cost option to help get my business off the ground at a point in time where I 'm extremely vulnerable to any extra costs. 

When I opened the account I gave them all my standard information and my email address. Probably my phone number too. I did n't sign up for any extra services like overdraft protection and I went along with what the bank employee told me to do in order to open up the account. 

Because I 'm running an XXXX business my only expense up until this point has been a monthly {$20.00} charge from a XXXX company. When I opened up the account I initially put some money in and every few months or so I would log in and check my account to see if it needed more money to cover the XXXX. 

Fast forward to earlier this week. I logged into my account after not checking on it for a few months and I discovered I had {$120.00} in overdraft fees. I thought how in the world could this happen!? I did n't sign up for overdraft protection and I thought any charges would be denied if I did n't have sufficient funds. It turned out Citizens Bank allowed the charge to go through and my account was negative only XXXX or XXXX dollars. 

When I dug a little deeper I discovered what was really going on. When I opened the account I opted for paperless statements to avoid a fee if I remember correctly. I assumed that Citizens Bank would contact me via email, mail, phone, or text if something needed my attention. After going through obscure settings menus I discovered that all alerts had automatically been set to off! Citizens Bank was letting these overdraft fees rack up silently without telling me anything! 

As a XXXX, I know this did n't happen by accident. This is called a XXXX and Citizens Bank set all the alerts to off so it could squeeze even more money from consumers who do n't know any better and trust that banks would act honestly. 

I feel absolutely cheated. I sent them a message using their online banking interface and I have n't received a reply yet. I would simply ask that you persuade Citizens Bank to do the right thing and refund the fees. If I were notified, I would have immediately deposited more money and avoided the overdraft. I 'm a responsible banking customer and I have never overdrafted any account in my life. I would also like an explanation as to why my account was allowed to overdraft in the first place. 

Thank you.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Chase has been harrassing me and verbally abusing / threating me viathe phone. I have several nasty voice messages from them on my voice mail for proof. they unlawfully closed down my business card all because a women in there corporate office has a personal vendetta against me. i have noticed they are violating the fair credit reporting act and illegally spying on my credit reports. i have a private investigator who c onfirmed i am being harrassed and discriminated by them
My corporate credit card is with Citibank. I lost my card around the end of XX/XX/XXXX. I was sent a new card. Since then I haven't been able to get an online statement or look at my charges. I've talked to Customer Service at least ten times and have spent hours on the phone trying to resolve this and set up new user names and passwords, but none of them have worked.
I just feel so disappointed big banks like BOA are ripping poor people like me. I tried so hard back in 2016 to get hold of someone in BOA to resolve this matter. What 's sad is this real time resolution reported delinquent note is post closing of property with XXXX balance? I do n't even think that 's in compliance. I had BOA mail me this note after closing to sign and they even told me they forgot to get my signature at closing. And with advice of my coworkers at XXXX XXXX that any balance should have been disclosed at closing, I just discarded the 3 notes they repeatedly sent me to my apartment. Then after a few months I started getting calls from real time resolutions for {$2000.00} note. I received written notice after they reported it on my credit. When I asked them for proof of signed docs they sent a doc with my signature! But I did n't sign that for sure. When I finally got hold of someone in BOA short sale dept they said they had mailed the {$2000.00} cashiers check paid by me at closing back to XXXX XXXX XXXX. When I asked them why would they do that, they said a lady called in as me ( identity theft ) on the phone to send the check back and since BOA did n't know where to apply the {$2000.00} cashiers check that was pd at closing, they mailed it back! HOW DOES A BANK NOT KNOW WHERE TO APPLY A CASHIERS CHECK THAT WAS COLLECTED AT CLOSING > THAT CHECK SHOULD NEVER HAVE BEEN SENT BACK. I remember signing a {$2000.00} check for my ex-husband from BOA and at that time, I thought it was some escrow acct balance refund because I never expected this stupidity on the bank side.
Inhave accounts on my credit that i never created. Is this legal? I never applied or obtained any credit XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Hide closed ( 1 )  STUDENT LOANS XXXX XXXX Reported : XXXX XXXX, XXXX {$22000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$590.00} Needs Attention XXXX Reported : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX   XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX
During the past 5 months the following has occurred with Citibank customer service : Given conflicting information by each customer service/or account manager regarding my account or policies such as when and how payments are processed ; given wrong/out dated address to send payments by a manager with CitiCard-the address given to me was XXXX. XXXX XXXX, XXXX, Ohio XXXX. This address is old and outdated. I asked the representative several times and he stated this was correct and it was not. The Office of the President listens to the calls and attempt to " explain away '' the mistakes. 

Presently, a {$1000.00} payment I sent on XXXX17 has been lost/misplaced and no one can seem to find it. 

Such problems have been happening over and over and corporate does absolutely nothing and neither attempt to compensate me for the mistakes made. 

I have also experienced being over charged for transferring funds. The system states {$5.00} or 3 % of the balance transfer on all of the promotions that I received. I was charged more than 25 %. This was refunded to me after I caught the mistake and called Citi. 

However, I am so tired of behaviors like these.
I dont have the original case number. I did the online dispute about a year ago and they removed the derogatory remark, it has now reappeared and when I try to log into the system, it says they dont have info for me. The dispute is with alimony and child support, we had ongoing litigation, during which time I continued to make payments, yet they report no payments made a nd 6  payments 90 day late. Because of the litigation and settlement on matters inclusive of support and alimony the reporting is biased against me. Also there is a matter  XXXX  state tax liens that were paid within abou t 2 we eks of being recorded, eqifax has removed them from  XXXX  separate disputes in the past but they now reappear, they were paid in full.
I am unable to receive my LexisNexis C.L.U.E . Auto report. I thoroughly filled out the company 's request form, leaving nothing blank. In addition, I supplied a copy of my social security card ( Category A identification requirement ) and my auto insurance declaration page ( Category B address verification for mailing address ). I live between the United States and XXXX with my mailing address ( not physical address ) at a border town, but my submitted insurance declaration page reflects this mailing address. I 've met the LexisNexis requirements and yet their generic letter states I did not meet their verification process and that the request form was incomplete / illegible. None of this is true. There is no means to contact a human being at LexisNexis. My consumer number is XXXX and my case number is XXXX.
Nationwide Biweekly Administration. 

I signed up for the service and paid an enrollment fee of {$990.00} only to find out that after two months of enrollment the program claimed to have lost their bank and my account was suspended. I believe this was a scam.
Many months back my credit limit was around XXXX dollars. I only opened this card to build good credit but then found out from a financial advisor my available credit ratio was actually hurting my credit. As I was paying down the available credit, card services dropped my credit limit to around 450/500. I have been sending in monthly payments as well as double payments since then. In the statement for XX/XX/XXXX my limit was 490 and my available credit was 114. I 've submitted more payments and have not used the card since then and the statement for XX/XX/XXXX says the limit is 300 and I have 17 available. 

No matter what I do I can never have a good available credit rating because they drop my credit line every time I make payments. I will pay in full and close this account but what Synchrony Bank is doing is terrible. Their online chat agent said they 'll send me a letter in the mail to explain the reasons for continually dropping the credit line, but they were of no help. I 've contacted them several times and still have n't seen this letter they 've been telling me about since the first time they dropped my limit.
I have been getting a lot of refinancing offers from my servicer with titles such as " Caliber Has Important Payment Savings News for YOU. '' The " savings, '' however, come from the re-amortization of the mortgage at a new 30-year term -- the actual interest rate is higher than that on our current mortgage. I understand mortgages well enough to know that this offer makes me worse off. However, I think other consumers could be tricked into a contract that makes them worse off. ( Admittedly, there 's fine print at the bottom of the ad that alerts consumers to this issue, but I think it 's cryptically worded. )
On XXXX XXXX, this collection agency contacted me via phone. They also skipped traced XXXX additional numbers to family. I called them on XXXX XXXX asking them to REMOVE my family numbers and made it clear that they had a good number for me and to stop contacting 3rd parties attempting to skip trace. I spoke to a women who barely spoke any english and I verified my identity with her and again told her to remove XXXX additional numbers from my account. She began to get very rude and said she removed them. Today, on XXXX XXXX some of those 3rd party numbers that were skipped traced even after a verified contact with me had been made and I ordered them to remove those other numbers. I contacted the company back today and asked them to remove those numbers again. The gentleman who answered the call was much more professional than the first women. He advised me the numbers had not been removed and he was removing them at that time. I again went through the verification process with them to confirm my identity and confirmed the numbers had been removed. Less than XXXX hours later I received a call again .... this time i spoke to another representative who stated again the skip traced number had not been removed ... and went through and removed the number again and went through the verification process again. At this time I advised the representative i was filing a complaint with the CFPB.
The loan modification CONTRACT documents say I should pay one amount. The loan account statements say my payment is a different number, a higher amount. Why? This servicer 's documents are harder to read and comprehend than others ' I have seen. Is this failure to communicate an error on their part or mine. I thought that the contract amount was the amount that I should pay, not amounts after the signing by the parties. The amounts on page XXXX of XXXX, XXXX of XXXX, page XXXX of XXXX, and XXXX of XXXX are different numbers, and conflict with the loan modification contract amount on pages XXXX and XXXX.
i submitted payment to my auto finance company, they never presented it to my bank, but they told me it failed, to go through, not nsf, but failed, i had the funds available in my account on XX/XX/2016, they never attempted to collect so that they could continue to collect daily interest!! in turn when i submitted my next payment, it went 100 % to interest!!