WillisBack/dataset-financial-user-claim huggingface dataset:
Commerce Bank,   XXXX   XXXX  ,  XXXX   XXXX .     I originally signed up for an account that had no fees for simply having the account. Turns out they at some point switched this account to a different type without my consent. I have been getting charged {$8.00} per month for quite some time.     When I went to address the problem, I was told by the representative  XXXX  (  XXXX   ), a nd then by the branch manager,  XXXX   XXXX , that I should have been paying attention to my statements. My contention was why should I have to when I trusted  Commerce  to abide by our original account type.      XXXX  refunded 3 months,  XXXX  another 3 months, but they would not do anything further to help, and insisted this was not their doing, but my oversight in not keeping an eye on my account.     This, to me is a blatant bait and switch tactic designed to take advantage of just such scenarios. I did not consent to having my account type switched. I signed up for a student, free account, and have in fact been a student until  XXXX    XXXX  . I have had numerous conversations with Commerce reps over the years and not once have any of them admitted to or notified me of the fees, even when I brought up the free account type.
When the lease on my Jeep Liberty expired I turned-in the vehicle to XXXX XXXX XXXX in XXXX, RI. The vehicle was inspected by the salesman, XXXX, and it was found to be undamaged. About five days later, the vehicle was moved to another location and inspected by an Ally Financial ( financiers of the lease ) representative who found scratches and gouges on the vehicle that were not there when I turned-in the vehicle to XXXX XXXX XXXX. The salesman, XXXX, called Ally and disputed their findings. Ally called me this morning and said that are not going to wave the {$350.00} they are demanding and are threatening me with adverse action to my credit score.
I am attaching a letter that I sent to Equifax on XXXX XXXX. Over 3 months have passed, and I have not gotten a response from them. They are supposed to respond within 30 days.
Dear Consumer Financial Protection Bureau, I am writing this complain to inform you about a situation with my mortgage payment, which I am unable to solve. I have purchased a townhouse in XXXX for the amount of {$450000.00} as a first time buyer. Since I did n't have any down-payment, I was offered XXXX loans, an 80 % fixed 30 year loan for {$360000.00} with XXXX, and a 20 % home equity line of credit adjustable rate for {$93000.00} with New York Community Bank. 
I lived in the townhouse for 2 years, but had to move out to a different location due to job change and distant to work. Since the price of the home went down significantly during the housing crisis, I was not able to sell the home, and had to rent it out. The rent amount has constantly been lower then the mortgage ( {$1500.00} a month lower until XXXX, and after refinancing the first mortgage, {$750.00} a month lower since then ). So I have constantly been losing money every month, but have continued paying my XXXX mortgages on time every month since the first day of purchase. I believe it has been and will be my responsibility to pay the amount regardless of the market situation. 
On XXXX XXXX, XXXX I received a letter from New York Community Bank ( XXXX ), my 20 % mortgage lender, stating that as of XXXX XXXX, XXXX, the bank has decided not to extend my mortgage, since the agreement was drafted in a way that the bank could decide if the want to extend the mortgage or not every year up to 14 years. They expect me to pay them the whole amount of {$93000.00} at or before that date! The only other options that I have are to sell the home or refinance. Unfortunately the price of my home is around {$420000.00} and I do n't have the {$35000.00} cash to pay for the difference and closing fees. I have tried both through XXXX and NYCB to refinance, but I have been told since the home does n't have equity they ca n't help me refinance. I have paid my bills every month in the past 9 years, and do n't deserve to be in this situation. I do n't have the money and do n't know what else to do. I sincerely hope you can help me resolve this issue. 
Warmest regards.
XXXX XXXX 2017 - I WAS TOLD THAT I ONLY OWED {$580.00} FROM THE ORIGINAL CREDITOR, BUT THE COLLECTION COMPANY STATED I OWED {$1200.00} WITHOUT SUBMITTING AN INVOICE OR STATEMENT NOTIFICATION INDICATING NEITHER FINANCE CHARGES/FEES OR WHY THE AMOUNT FROM THE ORIGINAL CREDITOR IS SO VASTLY DIFFERENT. ON XXXX XXXX 2017 - I CONTACTED THE ORIGINAL CREDITOR WHO STATED MY NEW BALANCE AT {$480.00} AND THE COLLECTION COMPANY INDICATING A {$1200.00} BALANCE. ALL OF THE CREDIT BUREAU ( XXXX XXXX, XXXX, AND XXXX ) ARE REPORTING THE AMOUNT STATED BY THE ORIGINAL CREDITOR. I CAN SUBMIT COPIES OF THE DISPUTED INFORMATION AND CREDIT REPORTS IF NEEDED.
I have applied for a credit card three times in the past nine months. After the first application I discovered inaccurate information reported by XXXX. 
The 2nd application resulted in inaccurate information reported by Experian. 
I requested a copy of my credit report from Experian and was informed that there was insufficient credit history to provide a report. 
But when I applied a third time I was then again denied because of " outstanding debts, '' The lending institution, XXXX XXXX XXXX provided XXXX account numbers associated with its report alleging bad credit. 
Both of these accounts are with XXXX XXXX Bank with which I have NO association. 
However, XXXX XXXX is listed as an authorized user. I have never applied for, nor received ANY credit from XXXX XXXX Bank AND as a matter of fact have been denied a credit card three times now. 
I have submitted fraud alerts with both XXXX and Experian. For some reason the online system with all XXXX agencies would not allow me to proceed. I also too have submitted a request to XXXX. 
With each correspondence with any and or all of these agencies I have submitted copies to the CFPB. 
I would appreciate any assistance that can be provided in clearing my good name and credit status.I strongly suspect that I have become a victim of identity theft and am working closely with all credit reporting agencies, the Consumer Financial Protection Bureau, XXXX XXXX, and the Social Security Administration to clear my good name and credit report.
I was a chase business credit card, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted chase. 
After several months of being reassured that the issue would be taken care of and being sent to different chase employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that chase would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though chase owed me money and they were refusing to pay me so I refused to pay them. 
Chase started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with chase but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted chase to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that chase had reported in XX/XX/XXXX a charge off. 
I also remember receiving a XXXX from chase that I sent to the lawyer regarding the charge off debt.
My information has been compromised as a result of the Equifax security breach. I have pulled my reports and have been unsuccessful with removing fraudulent inquiries listed on my credit report with submitted documents.
Hi, back to XX/XX/XXXX I lived in XXXX for my first time as a XXXX.

walk in to Wells Fargo bank and talk with a representative named XXXX.

she was always busy and nice I wait till she finished with others then she asked me to open an account because its good for me what ever, finally I got the card on the mail and the card was gray card with is different than my other back ( red ) I tough its a good card because of the color ... I had no idea what is credit or debit and how its effecting my score.

My process for a XXXX XXXX was apply for my family and I and its been a while since we had to go back to our country, i got back to USA after receiving my XXXX XXXX  in the mail and have it for about 2 yrs.

So after all I got my social security for 2 years and 2 Cards 1 from XXXX XXXX XXXX and one from XXXX with fico score from XXXX  and XXXX  is XXXX witch is very high as I have been told I tried to apply for " Cash Wise '' card in Wells Fargo Bank in XX/XX/XXXX.

I got declined by the bank with not understanding the reason!

XXXX and XXXX didn't showed anything about Wells Fargo bank!

I visit a lady work in " XXXX '' XXXX   somehow I told her the story then she Saied maybe XXXX report will show and that's what happened!

Finally I open the account on XXXX   with paying $ XXXX/Month I asked for Free check for all my credit Bureaus I sow the credit report and I see the problem!

Before I had the SSN in XX/XX/XXXX as a XXXX XXXX  from the bank opened a secured card under my name and just told me that this card is good for me!!! all this payments I did was for XXXX dollars all the time and I didn't understand the whole think, the card color the XXXX limit it just was a secure card from Wells Fargo! all this history waited to me when I just got my SSN than stick to my credit history!

I got like 4 month with late payments for my card because they charged me for having less than 1500 so its just build up and up.

At the end of the day I tough this is a Debit Card so I don't have to worries about the money that there because its my money and its not the bank so I can use it and max it out and its all good and not hurting no one.

so in XX/XX/XXXXI got into USA and walked in the branch and I had a balance on my acc and they told me its because the account didn't have XXXX  dollars in the Debit card so I have to pay the fees. I paid that also.

so what I did?

1. I fly from XXXX  for XXXX to talk with her and get it removed ( also I visit my family so it wasn't really bad to find out what happened with XXXX ) XXXX got fired from the Wells Fargo because she made a lot of bank accounts for others and make commission somehow, she apply for me with not under my permission and she speaks my language so you usually trust someone from ur country and ur language a little more ...

I got wrong by listening to her, she took advantage of my lonely here in XXXX and did something for her and thief commission from the bank!

2. I talked with XXXX  by applying for dispute, after about 2 or 4 weeks I got declined I don't know how to remove it so I talk now with CFBP and hope so see a positive answer.
I previously filed a complaint on Equifax because they took well over 30 days to get back with me with a 3rd round of dispute results. They are required under the FCRA to immediately delete the disputed items after taking over the required time to get back with consumers. Thus, my complaint 's desired fair resolution was to have the items deleted, especially because IT IS LAW. I explicitly stated : " I am seeking deletion of the items that I last disputed with Equifax. A fair resolution to this issue is for Equifax to delete the disputed items as required under the FCRA and FDCPA, considering they have not responded in the required timely manner to my disputes. In addition, due to the system glitches they informed me of via phone. I am providing my phone number on this complaint so that they can possibly look up any calls made. Nevertheless, they should already be aware of the glitches they faced weeks ago. What is basically fair is for Equifax to abide by the law -- the FCRA and FDCPA -- and delete those disputed accounts. Aside from the issue of time, they haven't even validated or verified these disputed accounts. I have done my best to do my due diligence and pursue due process, but their negligence has disrupted this process. '' Nowhere did I allow for them to get away with doing another pretend round of investigation, partly because they are NOT allowed to. ( Another complaint issue aside from reporting practices are their communication tactics, such as what I am describing ). They are once again in violation of the FCRA, and I demand that the disputed items be removed. Oh, and to add another violation to that major one -- to top things off -- in their new pretend investigation, they once again did not provide a shred of proof to me, the consumer, verifying & validating these accounts! Once again, just another bunch of " verified '' claims without providing documentation! The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. What gives Equifax the right to house my personal information and consumer credit information on me if they themselves have not seen let alone provided to me a shred of proof?! I am prepared to sue for damages. They are NOT supposed to report information that THEY DO NOT EVEN HAVE PROOF OF AND ARE JUST TAKING COMPANIES ' WORDS FOR THAT THEY'RE SUPPOSEDLY 'VERIFIED ' AND 'VALID '. I am absolutely disgusted at this and DEMAND that these disputed accounts be immediately deleted.
This account was paid in full and closed by the original creditor which is XXXX. AFNI Collection Company continues to report inaccurate information on my credit reports.
On XX/XX/2018 I mailed a request for my credit report with id info to Equifax. I have not received a report as of today ...
On XX/XX/XXXX I sent correspondence to Select Portfolio Servicing ( SPS ) notifying them of their violation ; of California Statue Limitations four years and my rights under the Servicemembers Civil Relief Act ( SCRA ). On XX/XX/XXXX responded to my letter stating they would reply ; no response was given except for foreclosure. 
First, violation by SPS I have a family member who is Active XXXX XXXX. He was enlisted in XXXX. I notified SPS of our rights under the SCRA and asked for them to stop Foreclosure proceedings on XXXX XXXX XXXX XXXXXXXX CA XXXX. XXXX proceeded with those actions and foreclosed on XXXX. In violation of our rights under the SCRA. 
Second, violation by SPS California Statue of Limitations for written contracts is 4 years. The last date of payment on this loan was XXXX. They filed the Notice of Trustee 's Sale on XXXX. In violation of California Code of Civil Procedure 337.2 4-year time limit ; no action shall be brought.
I have a Credit account with XXXX XXXX, and my monthly payment of XXXX $ is due on the XXXX of every month. I typically go online and make the payment but for some reason the online option was not available, I was informed via email that they changed bank but the only thing that would change is I would get a new account card in the mail, but I figured thats why there was a problem. I went into the store around XXXX on the XX/XX/XXXX and was informed they would only take cash and check now, no longer card. They gave me a number to call to pay over the phone and use my bank info ( ( XXXX ) XXXX ). I called the next morning on my lunch break at noon ( XX/XX/XXXX ) and proceeded with a 6 min call eventually being able to input a routing and account #. I did n't hear anything from the company. I checked my personal bank account on XX/XX/XXXX and to my surprise the company decided to pull from my saving and not my checking account and now there was an overdraft fee from my bank since I only have the money in my checking. I figured since the system did n't allow me to specify checking or savings they just pulled the wrong account so later that night ( XXXX ) I called the same number and spoke to a rep. who informed me that the account looked in good standing at that time and there were no problems. I informed the rep that the money would return and the funds were n't available in that account. his response being I " would be informed if there was a problem with the payment ''. after asking if this lapse in payment would affect me or give me any late fees and being told that it would n't i hung up and awaited a call or an email ... neither came. I checked my account again on XX/XX/XXXX and discovered another over draft fee. I was not informed that the payment returned and there was a resubmit in the works. I called the next morning ( XX/XX/XXXX ) at XXXX XXXX, and spoke to a manager, who informed me that they would n't help me take care of any fees and that it was my problem, even though I was told I would be notified. her only response was that i was notified via the postal service, which i did n't even receive until XX/XX/XXXX, well after the resubmit. Now I do n't have the money to pay my bill since I now have a -XXXX $ balance from overdraft fees from XXXX XXXX.I recall the company on XX/XX/XXXX at XXXX XXXX and am transferred to the XXXX XXXX payment help division. After a brief conversation with the rep, I am given no further info. Asking questions is met with such statements as " I do n't have an answer for you '', " I do n't know '', and " I do n't know why you think that ''. The rep told me i was now past due XXXX $ ( even though I have overpaid on this account multiple times by at least 40 $ ). Upon informing the rep that the company has been deceitful with me since day one giving me interest up to {$40.00} dollars a month even though I was told no APR for the first year, and that i do n't know why i am past due more than i owe monthly even though i was informed no late fees would be applied, I was once again met with the response " I do n't know what to tell you ''.
I have contacted ( and made disputes ) with Experian several times about an Fraudulent account appearing on my credit report. Every time I do an dispute with Experian the come back stating that the account has been " verified '' and the debt is mine. Which is completley false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX Account XXXX : XXXX ...
I received a claim from XXXX and Convergent for amount owed of {$220.00} with client account XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This claim is incorrect and not owed. 

Convergent Outsourcing XXXX XXXX  XXXX XXXX, WA XXXX Mess started when I tried to cancel XXXX XXXX services XX/XX/XXXX for final billing and cancellation. I had been with company for more than 8 years with on-time payments. Rates increased again, so I decided to change to competitor. 

Called again XX/XX/XXXX for final billing, cancellation and status of return packaging for the DVR. 

DVR Box confirmed received by XXXX XX/XX/XXXX. Confirmation XXXX XXXX XXXX XXXX 

Received another bill from XXXX. Called XX/XX/XXXX to cancel yet again. Proration clarified for {$170.00}. I paid amount owed on XX/XX/XXXX to XXXX. 

Received another bill from XXXX. Called XX/XX/XXXX. Agent claimed account active and I signed up for another 2 years of services. Agent claimed cancellation fees owed for early termination. I responded why on earth would I return my DVR box and cancel my service, and then agree for 2 years of new service? The XXXX agent supposedly adjusted my account. 

Yet another bill received. I called XX/XX/XXXX. Agent noted confirmation XXXX XXXX XXXX XXXX XXXX  for cancellation XX/XX/XXXX. Submitted complaint to Better Business Bureau via online service. 

Another bill received from XXXX dated XX/XX/XXXX. Called yet again to Financial Services Department of XXXX, spoke with Sianthia XXXX XX/XX/XXXX after bill received. Agent stated {$0.00} balance on account and paid in full. Letter would be received in 3-5 days. 

Received letter from Convergent dated XX/XX/XXXX stating {$220.00} owed. Agent clarified that XXXX owns the debt, not Convergent. Provide backup by fax XXXX and email XXXX. Agent clarified that once letter received from XXXX, then Convergent will close out. I faxed XXXX confirmation that account closed. 

XXXX XXXX debt collection agency sent letter XX/XX/XXXX. Replied back with mailed copied of XXXX close out letter. 

XX/XX/XXXX Convergent letter received yet again attempting to collect on closed amount. 

Advice to others is to return any DVR box and equipment to a person in a XXXX store, no matter how inconvenient the location or timing. Receive receipt for equipment and {$0.00} owed. Returning via equipment return box provided by XXXX XXXX is NOT sufficient action and will result in more than a year and tens of hours of wasted time.
Portfolio Recovery is stating that I owe {$2000.00} for services with XXXX XXXX from 2013. Thy  are not able to provide any documentation bearing my signature, where the balance is coming from and what exactly it is for. I have sent several certified letters demanding that they provide me with all of the documentation to support this, which they have failed to do so. The only letter I have received was a letter stating the balance was " verified ''. This is a COMPLETE violation of Defamation, Negligent Enablement of Identity Fraud, Violation of the Fait Credit Collection Act and Violation of the Fair Credit Reporting Act. This is severally hurting my credit score and I have spent hours of my time and money trying to get this resolved. I demand that this be completely deleted from my credit report with ALL 3 bureaus. My next step will be small claims court, which I have already filled out paperwork & obtained an attorney. I expect this to be taken care of within the next 30 days.
My issues with the former XXXX XXXX-current Navient goes back to XXXX after I graduated. My repayments began in XXXX and I always paid on time through my online bill pay banking. In XXXX, I checked online and was shocked by all the late charges and extra interest notations. I counted 48 charges! I called and at first they were not sure what was going on but finally figured out that because I had 4 loans my payments were allocating each month to one loan, missing the other 3. Such a mess but they reassured me they would get it fixed and then reorganized my loans to take the payments correctly. While I had them on the phone I asked about the teacher loan forgiveness program and the PSLF and was given directions to access the applications/info online. It would have been nice if they had told me right then that I needed to convert my loans to qualify for the PSLF! In XXXX, I went ahead and completed the PSLF application as I thought I was around two years within the 120 payment requirement but like many, I was denied for having the wrong type of loans. I called Navient and they apologized and eagerly encouraged me to go ahead and convert my loans over anyway ( to a higher interest rate ) and just start the process over. I didnt do it as my payoff would be close to 10 years anyway so it wouldnt be worth it. I asked if there was anything else I could do or apply for and was told I could extend my loans or a forbarence. After all this I went back through my account history and they have still charged me random late fees when they have been paid on time! Anyone who has these guys, especially long term, need to go ALL the way back through their account history and check it carefully. Extreamly frustrated and disappointed with Navient.