WillisBack/dataset-financial-user-claim huggingface dataset:
In or around XX/XX/2018, my account was overdrawn, however, Wells Fargo continued to assess fees and process payments on the account. On or about XX/XX/XXXX, Wells Fargo debited my already negative account to transfer funds into a Traditional IRA, which caused me even more harm and fees to my account. Mind you, the account XXXX and they decided to transfer funds from a checking account with no money to a Traditional IRA. I spoke to someone in the executive office who claims everything was done through ACH, versus a transfer. Meanwhile, I asked them to reverse all of this because the action caused me to add another {$60.00} in overdraft fees. Wells Fargo 's response to me was go in the branch and do a withdrawal, but to my knowledge and understanding of that account, I would get a tax liability for an early distribution, plus the negative fees already assessed. Because of their actions, they have caused further irreparable harm to me, which would consistently increase the fees on the account. The irony here, is that when my account was overdrawn almost {$700.00} in the month of XXXX, the bank continued to honor payments, but by the end of the month of XXXX, the account was given funds, and it was overdrawn, however, the bank covered no payments, but just added almost {$600.00} in fees.
Credit Acceptance Corporat ion Charges betw een {$4.00} and {$12.00} to process your payments each month. I mail my payment as a cashiers check every month. This is a high interest loan because I have less than perfect credit due to hardships but I have not defaulted on my loan.     Last month the check was returned to me as undeliverable so I sent it again. I sent it the day before it was due this mont h ( so it will have the postmark date on it ) a nd because of the holiday they have not received it.     They call once per hour while I 'm at work and if I answer to tell them they get aggressive and tell me " then I should not have answered. '' The payment is not ev en one week late an d they start harassing, threatening to disable the vehicle and tow it. They actually towed it once and I had to pay an additional {$700.00} to get it back and get a bus to the neighboring state to pick it up.     All while charging {$4.00} - {$12.00} to proccess your payment and not allowing any modern method to pay your  bill ( electro nic deposit, not charging you to pay bill, etc ).
I want to read my monthly statements from Navient, but they refuse to send me paper statements, and I find the Navient website to be extremely unhelpful. They pretend to provide monthly statements in digital format but both formats are bad. When I click on " PDF '' I get a .do file which can not be opened on a XXXX computer. When I click on " IMG '' I get a PNG file which puts 3 pages into one miniscule PNG file. When I launch XXXX and place the PNG file, and spend 10 minutes cropping, resizing, and copying and cropping and resizing, I get a 3-page document - the content is blurry. In short, there is no way to get a printed statement, no way to get a digital statement, and no way to talk to a human being, at least on the weekend. I can only work on this on the weekend because I have a day job which does not give me time during XXXX business hours. 
Additionally, when I click on a button on the Navient website, inviting me to " take a survey '', I am directed to a promotional video in which Navient brags about how great they are, which is the opposite of the truth. I wonder if Navient is deliberately making it hard for borrowers to get information ( about their OWN account ) as a way to cover up unscrupulous behavior : inaccurate record-keeping, overcharging, etc. I believe this company should be dissolved and all of their accounts should be transferred to an honest, non-profit, publicly owned loan servicer.
Paypal processes payments between buyers and sellers, and they claim to be protecting the buyer against fraudulent sellers ( misrepresented used goods ). When there is a problem, they do n't review the case carefully, and they lacksadaisically inform the buyer that s/he needs to foot the bill for the return shipping and tracking information, even when it is between foreign countries. They have an insurance program to cover these types of disputes, but they do NOT make any of the information available to the buyer. They try to trick the person into paying the bill. I think they are indifferent and lazy, and in this way they passively foster and foment fraudulent activity among predatory sellers. 
Buyer beware, do not use paypal outside of ebay because ebay will protect you buy paypal will absolutely not. PAYPAL = negligence
Carrington Mortgage Services released my social security number to another customer. That customer contacted me to inform me of what had happened and said they would delete the file. When I went to XXXX XXXX who released my info, I was told that never happens. That is not good enough. I feel that company should provide me with credit monitoring at their expense! This company from the start was neglegant beyond belief! XXXX our purchase property address, which they claim was a mistake on my end of course. I think I now where I live! They sent me a Uniform Residential Loan Application that XXXX XXXX, not myself, filled out showing our present address as XXXX XXXX as well as the purchase property. I also told them my grandmother needed to walk away with $ XXXX, they listed that as the purchase price making that inpossible after all of their fees. Also, he listed my husbands employer as XXXX XXXX XXXX and not his current one of XXXX XXXX. This is not the credit app I filled out! After complaining about these mistakes I was told they fired XXXX and I was not the only loan that he XXXX. I do n't believe that either! After over 60 days of promises to close XXXX different times and providing us with our locked in rate and approval they denied us stating our debt to income was all of the sudden an issue. I saved every email from the start of this companies lies. It is now XX/XX/XXXX and we have yet to receive anything about our denial and why all of the sudden it occured. The whole experience with this company was horrible and they should be aloud to provide servide to anyone!
The caller identifies herself as XXXX XXXX whom I have researched and discovered works for ACT ( Accounts Control Technology , Inc. ). She calls my wife and I from different numbers with our respective cell phone area codes ( mine : XXXX hers : XXXX ). My wife and I have both told her to stop calling us yet she continues to call multiple times a day, the most recent being this morning ( XXXX XXXX, XXXX ) after I spoke with her several days prior. This individual is calling regarding my adult ( almost XXXX XXXX XXXX ) daughter. This individual, XXXX XXXX, has also called individual ( s )  at MY place of employment asking about my daughter whom they do n't know, have never met, and vice versa! I think there has been a very serious violation of MY rights and privacy, especially with this individual calling my place of employment. I would appreciate you following up on this matter asap and put a stop to XXXX XXXX 's continued violation of my rights and privacy. She has contacted several of our family members as well using my wife 's name. My wife 's sister was also called on a number with her area code of XXXX but provided with the number XXXX as a call back number. 
XXXX XXXX should be severely reprimanded for contacting my place of employment and her continued harassment of our family members that have told her to stop calling! 
Thank you for your time.
Account has not been verified after I asked  Collection Agency to  give me the information about this account  XXXX / XXXX /  XXXX   Asked company to send validation of amount owed they have yet to respond
I applied a XXXX Credit Card from American Express, several days later they sent me a letter to ask for my Social Security Number. So I mail them the copy. Then I got another letter from them again, being told that the copy is not acceptable. They did not tell me what they need exactly in the letter, when I called, they said they need the original letter from SSA office. So I went there, waited for about XXXX hours, and the officers told me that they already stopped issuing so-called " original Letter '' from XX/XX/XXXX. So, how can I get that? I called American Express again, they told me that I need to get my Social Security notarized, so I did that again, it cost me {$10.00}. I mailed that to them on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called them again, they told me that this notarized Social Security Copy is not acceptable again, they could do nothing but cancelling my application. I do n't understand why I got this decision after I did all they told me to do. They just fool me around, making me spend my time and money for nothing. 

My tracking number : XXXX
I am a victim of identity theft and someone stole and used my personal information to open a XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending in : XXXX, The accounts are fraudulent, unauthorized and do n't belong to me.
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
This complaint is based on FCOs multiple violations of the FDCPA, the FCRA and the Massachusetts Debt Collection Regulations ( MDCPA ). However, the CFPB website limited me to choose only one violation, where I chose the most relevant. I discovered a collection account reported by this debt collector after reviewing my credit reports. FCO reported that I owe {$2000.00} to an apartment complex. On XX/XX/XXXX, I sent FCO a demand for relief pursuant to Chapter 93A of the Massachusetts Consumer Protection Act. FCO received my letter via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. My demand was based on FCOs violation of the MDCPA 940 CMR 7.07 ( 21 ) which states that it is an unfair or deceptive practice for a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in a name other than that of the creditor. My letter also stated that by doing so, FCO had taken action that can not legally be taken, in violation of the FDCPA 15 USC 1692e ( 5 ) and that they employed false or deceptive means to collect a debt, in violation of the FDCPA 15 USC 1792e ( 10 ). I had demanded that FCO delete the unlawfully reported account from my credit reports. FCO ignored my demand and continued to report the account in their own name, in violation of the MDCPA and the FDCPA. My letter dated XX/XX/XXXX also included a request for validation of debt. On XX/XX/XXXX, FCO responded with insufficient validation of the debt ( and actual evidence that the debt they claimed I owe was in fact inaccurate ). FCO responded with the following : ( 1 ) An illegible copy of the lease agreement. Notwithstanding the indecipherable language on the agreement, it had expired back in XX/XX/XXXX. However, according to FCO, the alleged debt was incurred between XX/XX/XXXX and XX/XX/XXXX. ( 2 ) A document titled Statement of Deposit Detail. This statement reflects that I had moved out of the apartment on XX/XX/XXXX. However, the statement also reflected new rent charges and other fees that had been incurred on XX/XX/XXXX. Rent payments were billed in advance, not in arrears. Based on this document, I was billed for rent during the month after I had moved out of the apartment. ( 3 ) FCO failed to include proof of assignment of the debt that was requested in my letter dated XX/XX/XXXX.
( 4 ) FCO failed to include other documents I had requested that would validate the debt as required by the MDCPA and Massachusetts Residential Occupancy laws. On XX/XX/XXXX, I disputed the inaccurate and unsubstantiated account thru the consumer reporting agencies. My dispute was based on FCOs failure to validate the debt, and because they reported the account in their own name, in violation of the MDCPA 940 CMR 7.07 ( 21 ).
On XX/XX/XXXX, I received notification from the consumer reporting agencies that FCO had falsely verified the account ( even though they failed to adequately validate the debt or report the account solely in the name of the creditor as required by the MDCPA ). By verifying both false and unlawfully reported information thru the consumer reporting agencies, FCO also violated the Fair Credit Reporting Act 15 USC 1681s-2 ( b ).
this is my fourth attempt to resolve this issue with XXXX  and Experian, The student loan that is being reported has inaccurate open dates, I am not disputing the account is not mine, The student loan belongs to me, But what I have been disputing is your report shows that it was opened in XX/XX/XXXX which is false, CRA have stated every time the account is mine and accurate, I have the promissory note that was signed and dated by me, as advised by attorney is try and have date validated again and cause I have tried a few times the FCRA requires the account to be delete, Due to the fact the account has been re-aged. the account was opened on XX/XX/XXXX, as advised the CRA is to investigate and review information provided by creditor reporting using the promissory note that has a date, The promissory note I have will be granted to the CRA in court under discovery if we have to go to court, Again since CRA has had plenty of time to correct and felled to. that this my last attempt before I have attorney file.
Experian is reporting a closed collection account on my credit file from XXXX, a collection agency from XXXX, NY, in the amount of {$1100.00} that should have been removed months ago. In XXXX of 2015, due to questionable delivery and notification of the debt and subsequent suit XXXX agreed to close the account and remove it from all XXXX of credit files. To date Experian has failed to remove the trade line. I have discussed this matter on several occasions with XXXX and they assure me that the trade line was coded for deletion and sent. They further say that the error is the fault of Experian. Experian is also making it difficult to dispute this item with them and have taken unreasonable steps to make my dispute even harder than it should be. Unlike the other big reporting agencies they denied my right to dispute the trade line by going on-line or faxing supporting documentation. They required a phone call, which I attempted to make at least a half dozen times only to be stonewalled by complicated phone menus and hold times in excess of twenty minutes. This is definitely an attempt to break the spirit of the federal collection dispute laws. This is unreasonable of them ; XXXX allow on-line or faxed disputes.
I disputed a {$100.00} Chase credit card charge for gas at a XXXX in California incurred on XXXX/16. I live in XXXX and was working in XXXX that day, as shown in my credit card statement. I disputed the charge, and Chase resolved it by telling me that because the credit card reader at the fuel pump read the magnetic stripe on my card, I authorized it. ( The charge was not signed ). I insisted to Chase that I was not in California, and it is well known that credit card magnetic strips are skimmed by fraudsters. They will not reconsider.
Capital one bank lied to me. I have filed a dispute against a charged on my credit card from XXXX XXXX hotel. My room in the hotel had bugs in the bed, bathroom, floor and walls. The owner of the hotel does not want to give a full refund. He refunded me % 50, but I would like a full refund. No one will pay to stay with bugs in the bed ( literally ). I have videos and pictures of this incident. I let capital one bank know about my situation and I got a letter from capital one bank on XX/XX/XXXX asking for additional documents in order for my dispute to be accepted. In the letter, capital one bank stated that if I do n't get these additional documents to them by XX/XX/XXXX then my dispute will be closed. First of all, there is not enough time ( from XX/XX/XXXX until XX/XX/XXXX ) for me to get all the documents. Second of all, one document requires a third-party 's opinion about my incident. I have already contacted the third party ( another hotel ) and they have told me that they are not able to provide me with the kind of documentation because it 's against their policy so capital one bank is asking me for a document that it 's not possible for me to get. I called capital one bank and talked to an associate. The associate lied to me and told me that capital one bank does not have the final decision on the dispute, but the final decision comes from XXXX. I called XXXX and they have told me that they do n't make any decisions and it should be the bank. I called capital one bank and I asked an associate to extend the deadline, which is XX/XX/XXXX. She lied to me again and said that it 's in the system and she can not change it. I asked to speak to supervisor -- after waiting 20 minutes on the phone ( literally ) -- the supervisor answers my call and finally agrees to change the deadline to XX/XX/XXXX. The supervisor also lied to me and said that they need to submit the required documents to XXXX and that XXXX has the final decision. I called XXXX a second time and they told me again that XXXX doe not give any final decisions on disputes. I need someone with enough power and justice to make capital one bank agreed to my dispute because the real hustler here, it 's the owner of the hotel. I asked capital one bank associates if they would pay to sleep with bugs in the bed- all of them say NOOOOO, then why do n't they want to accept my dispute. I HAVE ENOUGH PROOF. please help me with this case, I am extremely upset that a bank with all its power is trying to manipulate my situation in order for me to pay for something that should n't be.
Hello, my name is XXXX XXXX and I applied for a loan and was denied. I never received a denial notification or the reason for the denial. 

I 'm hoping that someone in your office could help me. 


XXXX
Back in XXXX I was called and I was offered payment arrangements and I'm thinking XXXX a month, I'm low income and I was yelled at and told I have XXXX kids ( at the time now XXXX ) that I should have enough to pay it since its tax season and I'll get at least 5 or 6 thousand each child not including the other tax refund amounts. I worked at a tax office and was at work when this phone call came through. This was from XXXX 's in which I had Insurance, lost my job and Instead of them paying my monthly payment for 6 months like it states in my insurance agreement they sent me to collections. I have never been allowed to make payment arrangements and it keeps going up. XX/XX/XXXX I was served at the same time I was off work due to emotional and XXXX work injury and had a lawyer. To this day the amounts going up and I cant make any payment arrangements to pay except to give them well over {$3800.00} and I have no job no XXXX no car worth anything nothing and still they keep the amount going up so inco e tax time my refund will be gone ripping me off. My grandma had to change her number because they had a recording call 10 x a day and when we did speak to a live person we stated stop calling and they didnt.
In XXXX 2016 I reviewed my credit report and notice a collection account with the Phoenix Recovery Group. They claim I owe them {$2500.00}. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. My letter requested to provide proof of the account. On XXXX XXXX, 2016 I received a letter from the Phoenix Recovery Group with a list of charges however I do not agree with several of the charges such as " replace XXXX drip pans '' of {$16.00} and " Carpet Replace Required - Pet Damage '' of {$400.00}. I responded on XXXX XXXX, 2016 disputing several of the charges list on response to the validation letter and to date I have not received a response from The Phoenix Recovery Group. I have attached all correspondence for this issue.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX To the Dispute Team - Hello I was looking at my report # XXXX, and I noticed that there were many incorrect personal information items on my file such as my name, address, and phone numbers. I need for you to delete all of the incorrect addresses and phone numbers below. And, delete those names that are shown below. 

Each and everything below needs to be deleted. It 's quite disturbing that you are putting others personal information on my file. 

DELETE THE ALL OF THE FOLLOWING NAMES, ADDRESSES, AND PHONE NUMBERS THAT DO NOT BELONG TO ME. 

Delete these names : XXXX XXXX XXXX XXXX XXXX Delete these phone numbers : XXXX XXXX XXXX Delete these addresses that are not mine and never have been mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX It is against the FCRA to report these bogus addresses on my credit report. I have contacted Experian on more than several occasions about this issue and they are the only credit bureaus that are doing this to me. I will consult any legal recourse if this is not resolved. I am not aware of any furnishers reporting this information. But the fact of the matter is that I am stating that these addresses are not my addresses and they need to be deleted ASAP.
Me and my wife have a mortgage with XXXX, this organization choses Seterus Inc. to collect the monthly mortgage on its behalf. After I have lost my job for about a year, I was going to lose my house. Thank XXXX I found a new job back to XXXX last year and I started making payment to Seterus until I saved my home from foreclosure. Seterus had me and my wife signed a new agreement by taking us from 2 % interest to 4.5 % rate. We have accepted. However, We got surprised that from {$2300.00} per month, only {$230.00} was applied to the principal and it is been going this way from XX/XX/XXXX until now. The principal was {$380000.00} jumped to {$390000.00}, and after 9 months of payment on time, the principal is {$380000.00}??? 
We are working hard me and my wife trying to save our home, but the way Seterus is acting toward our situation is not helpful and needs to be adjusted. Since XX/XX/XXXX we have paid toward {$410000.00} the amount of {$250000.00} and we still showing {$380000.00} as the principal of the loan??? 
Please we need help, what should we do? Thank you. 
XXXX & XXXX XXXX