WillisBack/dataset-financial-user-claim huggingface dataset:
A check was presented twice for cash my check # XXXX from Citibank was presented and paid on XXXX/XXXX/XXXX and a second time on XXXX/XXXX/XXXX over a year later. I opened a case with CITI but want to also let you know that this is happening. This is obviously Fraud. my questions to the Citi Rep was 1. how does a check over a year old paid? 
2. why is the same check paid twice? 
no responses to either. Last years check should have been destroyed after payment by the bank I suspect. Meanwhile the bank is not refunding the funds and starting an investigation. so I 'm down in {$330.00} due to their negligence to identify fraud
I contacted the XXXX XXXX XXXX in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports on XX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/XXXX the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I logged into my debt summary for the XXXX XXXX XXXX and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!
On XX/XX/XXXX I reached out to Navient to make a payment on my student loans and was told that I was not current. I thought I was under deferment for a year, Navient claimed they had tried to reach me but the number that I have has been the same since XX/XX/XXXX. I then was forced to accept a forbearance, which later I found out because of my current situation I should have been granted a deferment, and made a post dated payment of XXXX.I have a number of issues with this company. On XX/XX/XXXX, I reached out to the CEO of Navient to correct inaccurate late payments that they were reporting to my credit report. In reference to Section 623 of the FCRA that he fix the inaccurate late payments that was horribly affecting my credit and my ability to obtain employment. I have been turned down 3 jobs so that is what made me look more into my credit report. I gave him a receipt of 15 days and still no reply. On XX/XX/XXXX I reached out to Naveint again, and was defiantly told that I should have been offered and granted a deferment and that XXXX XXXX, CEO would be contacting me within 48 hours to discuss this matter, I received no call for him. I then was told that I was in forbearance but on my credit report it was reporting as deferred for 3/4 of my loans. I have tried to be patient with this matter but this is not getting me anywhere. I cant even obtain a descent job in the field because of the inaccurate late payments they are reporting to my report and it is taking a toll of my finances and also my personal life. All I want them to do is update my late payments and give me a reasonable amount to pay back until I get on my feet which I do not mind
Company contacted me. I asked them first to send me verification of the debt. They advised they would email it to me. I never received an email and checked my spam daily to make sure I didn't miss anything. 

They called back and said somehow they forgot to send. I waited again and did not receive an email. Gentleman called back and accused me of lying and not wanting to pay the debt. I advised him that I simply wanted verification of the debt and his company 's legal entitlement to collect the debt, as it was not on my credit report. 

I then asked for his name and mailing address so I could send a request for debt verification in writing. He refused to give it, kept talking over me and not addressing my request for this information. He then threatened to garnish my wages for the full debt amount and not the offered settlement amount. He became irate and very combative like nothing I had ever experienced before.
Sent Equifax multiple letter on this account and it shows on my credit report that the monthly payment is {$1500.00}
XXXX Averst Bank 2008 this is to old to be on my credit repot. Its XXXX. I want this removed. I gave this back to then. They sold me a lemon. The transmission had went out of this thing after a XXXX or four months. I lost thousends on this.
When I signed my loan I originally agreed to electronic billing. However since then USAA has restricted my access to USAA.com. My loan had been setup for automatic billing through my USAA checking account, which USAA has thus since closed with no warning reason or clear explanation. Since then I have made multiple calls and they have received notification I have not received my statements, and requests for delivery. USAA has stated on multiple occasions they will send me a statement in the mail, so I know how much, when and where to sent my payment. Most recently they informed my because I agreed to online billing they would not send me a statement. This poses a problem as I have no way of receiving the statements or paying my bill accurately or on time due to USAA 's direct and devious actions.
Portfolio recovery Systems sent me a letter dated XX/XX/XXXX which I just received today XX/XX/XXXX. This is not a refusal to pay a debt, but a request for validation of the said account. Which I have asked for repeatedly over and over again. As per my conversation with one of your representatives ( that i recorded ), I requested that she send me ALL the information about this account so that I can dispute it, I have no knowledge of this account. You have not complied. She warned me that if this debt was verified using my name and Social Security which you already have, that you would still considered this to be my bill. I am sending an official request in writing for ALL records of this account, so that I may do my own investigation. Send me ALL documentation you have, other then when the account was opened and when you received this account from XXXX XXXX XXXX, and by ALL information I am asking for payment records as well as detailed billing of the account. Your letter is somewhat confusing to me, Did you purchase this account, Was it assigned to you to collect, or was it transferred to you? I would also like that documentation as well. Also I would like proof that you are licensed to collect a debt in the state of NY. At this time I would also request that any correspondence to me be done by mail only.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I have never filed bankruptcy and was out of the country for a period of time. I realized bankruptcy entries on my report and contacted Experian to verify and delete this entry. They refused and asked me to contact the court. I called them and they advised they did not send this data or verifying this information. I believe they are relying on third party information that is inaccurate. I asked them for a method of verification and they have refused. After multiple attempts, this is my last attempt before I pursue legal action in the courts for their continued willful non-compliance that has caused me harm FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states : " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Since they claim to have verified this with the courts ( the original source and where they need to verify ), I am requested this information within the timelines stated by the FCRA. 
I am attaching a copy of the courts response and their stance on credit reporting. I expect them to furnish the CFPB as well with this information so they do not disguise a letter as sending it to me directly. I want this documentation for the record in case of a legal action.
Wells Fargo ... ... I tried to dispute it as instructed, they have been taking 4 months to resolve it, the law says 30 days
Opened account XX/XX/17 and followed the requirements for bonus. Code was automatically applied on online application and was n't able to get code readout. Waited about 120 days before contacting. 
Messaged general inquiry. They mentioned that I used a code that made it uneligible and I was out of state. However, the final print was changed after I applied as it did not have the state requirement. They said I could no longer escalate the matter.
The following accounts/items do not belong to me. Please delete immediately. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX-this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXXXXXX XXXX account is not mine. Action Requested : Please delete the entire account from my credit report. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report.
Today, XX/XX/2016, I visited the Bank of America Financial Center, XXXX XXXX XXXX, XXXX, XXXX XXXX, to attempt to deposit a check into my mothers account. I had received XXXX checks from the XXXX related to the settlement of an insurance claim. The checks were drawn upon an account XXXX had with Bank of America. The checks were for {$16000.00} and {$250.00} respectively. The checks were made out in my name but I indicated to the branch manager, who was assisting me, that I would endorse the checks over to my mother 's name so that they could be deposited in my mothers account if that was necessary. I provided my XXXX Issued Drivers License as a photo ID so that they could identify who was making the deposit since it was not my account. The manager indicated that I was not allowed to deposit the check, made out in my name, into my mothers account because she had not authorized the deposit. She told me to bring my mother into the branch with me, however my mother is in XXXX and this was not possible. Additionally, I was presenting a photo identification, with a last name that matched the account holder. The manager refused to accept the deposit of the check, even if it was properly and legally endorsed in my mother 's name. 

After refusing to allow me to make the deposit, I requested that the check be cashed since it was a check drawn upon a Bank of America account held by XXXX. She then asked if I had a deposit account with Bank Of America with which I could deposit the check. When I indicated that I had my personal deposit accounts with another bank she indicated that there was nothing she could do. When I told her that it was a Bank of America account, she indicated that she needs advanced notice for a check of that size and the check would have to clear before I received the cash and since I did not have an account there was nothing she could do. I believe that this was unfair, improper, and potentially in violation of the law. 

Before leaving I indicated that I believed that it was legal for me to endorse the check and deposit into my mothers account and I did not understand why they would not accept it. I also expressed my lack of understanding as to why Bank of America could not cash a Bank of America check. Receiving no answer or further information I left and had to travel to my bank and deposit the check, now I have to wait for the check to clear and then issue a check in my mothers name which will take time to clear. 

As a result, there is a loss of the time value of the money, including the accrual of additional interest upon loans which the amount of money, which is not insignificant, was intended to reduce principal upon. I have been harmed by the conduct of this bank and feel that I have no recourse other than this complaint.
I purchase a car in late XXXX through a dealership here in XXXX Florida. At the time my credit was not great, and they claimed the only lender that would finance me was American Credit Acceptance. I realize now, that this probably was not true but the finance manager made the biggest commission getting me to take this loan. The car has been nothing but problems, a COMPLETE lemon. That really is on me for not having it checked independently but the dealership made me wait while the bank " inspected '' the car. Clearly they did not as I have put over {$5000.00} in repairs and have another $ XXXX {$2000.00} to go before it is fully repaired. Anyway, that is a bit off topic but does tie in to my current predicament. My original loan agreement stated that the interest rate was 29.32 %. I expressed concern to ACA over this and now it shows only that my rate s 28 %, though my payment has not changed XXXX cent. I know the difference of XXXX and XXXX third points will not make a big difference but it has not changed at all. Also, I borrowed approx. XXXX. I do not know the exact amount but I have been paying them nearly {$600.00} a month ( with the exception of one month I made payment arrangements due to having the car in the shop AGAIN ) and last month which I have made arrangements to pay later this month. Well, all these payment were made and my balance has gone down less than a thousand dollars. From XXXX of XXXX until today I have paid them {$4900.00} and they have only applied {$730.00} of this towards my principal balance. 
Additionally, I attempted to do the math and if I were to keep this loan until paid off I will pay {$20000.00} in interest on a loan of less than {$18000.00}. I have reviewed Florida 's statutes regarding auto loans and I believe this to be usury.
XX/XX/XXXX I viewed my XXXX XXXX  app on my XXXX report for Hard Inquiries and saw : XX/XX/XXXX, XXXX, XXXX XXXX XXXX. I didnot initiate a request from XXXX. On XX/XX/XXXX, I called XXXX fraud dept. and was told that XXXX XXXX XXXX XXXX is fake, and they dont show an inquiry being made about me on that date. They said they would not provide me with a letter and to contact XXXX. On XX/XX/XXXX I called XXXX and was told to make a police report for fraud.They gave me a file number, it is XXXX. Please help me. I just want this hard inquiry taken off my credit file with XXXX.
Around 2013 I got into IBR with XXXX XXXX at that time. The person who set up my loan repayment said that because of my income I would not have to pay anything. Immediately that changed. I received coupons in the mail telling me I had to pay about XXXX bucks a month. The next year the payments went to about XXXX/mo. My INCOME had gone down. So why were my payments going up? Then after paying for about 2 years I received notice that my loan payment would DOUBLE the next year to about XXXX/mo, after that it would go to XXXX/mo. How is this possible under IBR? When I called to discuss this with the company who had then become " Navient '' they gave me a run around that I was no longer in IBR since it was no longer available and that I had to get into a new plan. The woman on the phone was very nasty to me with this information. Since then I have received over 100 phone calls from them from different numbers every time and sometimes they use my old area code to call me trying to get me to answer them, I do n't. This is not because I do n't want to make some kind of arrangement but because I read on forum posts constantly about these tactics and that they even have you pay then say you never paid and put you in default. Now i go to the Navient website and it says I have a XXXX balance and that my loan was paid off by XXXX XXXX. When I try to call XXXX XXXX directly using numbers found on the internet I get Navient on the phone, or some other company.
I forgot the account existed.  X/X/2017     XXXX   XXXX  fr om Capital One c alled & told me that my account with them had been dormant for years. She led me to believe that I had a couple thousand dollars in account. She asked for Pin #, Password etc. I told her I did not have. I have forgotten all that information. I forgot I had the account!! She asked me many question to identify myself and I answered them all. She requested I send her thru fax # a copy of my SS card, a letter requesting a reset to access account, drivers license and utility bill. This was in order to reset account and provide me with a link to access account and for me to reset username, pin and password. They never replied.! I have reached out to the 3 times. Same story happens. This last time I spoke with one of their managers and he told me to go to a branch and identify myself and then they would reach out to them. However Capital One does not have branches in my area. I feel they are giving the run around. I want my money. I was overseas for a long time and have lost a lot documents. I need help. I will work with all to prove my identity, but I want a conclusion and want to be able to access my account.
I have a collection reporting from XXXX XXXX, I saw on my report that I have a collection I went and paid it just so it would be resolved. I was unsure what the debt was so I have made several requests for them to tell me what it is for after paying the debt. I should not have paid it without but I was thinking it wouldn't effect me if I pay it immediately. Boy was I wrong and now they are completely ignoring me.
I opened and funded an HSBC Advance Checking Account around XXXX/XXXX/XXXX by telephone using a referral code, XXXX, from a friend, XXXX XXXX. HSBC has a promotion that is supposed to issue me a credit of {$100.00} for opening an Advance Checking Account using a referral code within XXXX weeks of fully funding the account. See offer attached. I have called many, at least 3, times over the last 3 months trying to get my bonus. But continually I have been told that HSBC has to look into my situation more. I was finally able to get a nice customer service rep, Tin, last week who seemed to be helping but in the end she said that the " back office '' was reviewing my account and a decision would be made by the end of XX/XX/XXXX. 

This is totally unacceptable. I have spent hours talking to the bank to get my deserved bonus. I have done everything required to deserve my reward and now I want the bank to live up its obligation to me.
XXXX  cfpb file # also they owe me the full $  XXXX  not the par tail that was paid to them by the dealer, as i informed the bank i was canceling the contract in  XXXX   2016 . As the car was bought in  XXXX  and you had 60 days to cancel on it. So that as well as the additional info i wrote on this complaint needs to be refunded.
I am in the process of repaying back my private student loans and there is a payment plan set up with Navients collection program. they refused to lower my payments and went as far of telling me if I do n't start paying them within a 7 day period, then my wages would be garnished. these loans have been paid on for almost 3 years but they are still showing up on my credit report of monthly missed payment even though they are being paid. they refuse to update their information and show that my payment is going through even though its out of my bank account and posted to their website. I can get no one who speaks English to help me out and im not unable to apply for a loan for a home.
I have sent multiple, certified letters for the company to send me other information than a bill printed off of their computer stating that I owe {$780.00} and that they demand payment now. They refuse to send me : *A validation letter *A written contract with my hand written signature on it, that includes date, amount and all of the detailed information showing that I received or agreed to receive any services. 

*Proof they are licensed to collect in my state *Provide me with their license numbers and registered agents The only thing they continue to send are letters demanding payment or they will report the bill to the credit bureaus. 

I have receipts from USPS showing that they have received my letters requesting the information that I am entitled to under the Fair Debt Collection Practices Act.
I bought furniture at rooms to go who have Synchrony Bank handling the financing, after a return and exchange because defect my bills started to oscillate every other Month, I have tried to talk to the bank but was never resolved. They charged me fees because the full amount was n't send even though they did n't have the same amount, I believe they are not charging the right amount since my loan does n't have interest until 2019 but I already paid {$1500.00} and balance still {$2000.00}.
524 Injunction : Bank of America per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. BAC kept sending me statements with the original loan amount and payment. I making the required payment the month after the agreement only to have BAC escrow the payment and not apply them. In XXXX XXXX acquired the mortgage servicing rights with the incorrect balance and monthly payment and now a forced placed insurance policy added to the loan. XXXX XXXX started sending out notices with the original note information then corrected the loan in XX/XX/XXXX but still listed the cram down debt on the statements as defferred P & I this was a violation of my plan and a 524 Injunction. 
XXXX XXXX filed a foreclosure motion in XX/XX/XXXX but before I could file a counter claim XXXX XXXX sold the mortgage to XXXX and XXXX became the new loan service company. XXXX assumed the foreclosure in court where the case was not heard only rubber stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now XXXXXXXX XXXX has stated that I had made 4 payments and that BAC had not been compliant. XXXX XXXX has now listed the reaffirmation crammed down debt in the amount of {$19000.00} as BK Cost on payoff statements this is the exact amount of the XXXX XXXX Defferred P & I listed on there statements. This is attempt to collect discharged debt and code it as something else in court is a 524 Injunction of the debtors Bankruptcy plan.