WillisBack/dataset-financial-user-claim huggingface dataset:
I am an unemployed, XXXX-year old man who is currently going to school, hoping to improve my chances of being hired. I am a XXXX veteran with over 25 years of experience as a XXXX   XXXX. Therefore, my credit history must remain untarnished for me to successfully land a job. Unexpectedly, a few months ago, I started receiving notifications from Navient that my private loans were delinquent. Immediately, I started doing XXXX to come up with money to repay these loans. Navient offered me to enter a Rate Reduction Program, which I accepted. 

A few days before my second qualifying payment was due, I called Navient to forewarn this institution that I might be a couple of days behind, seeking their understanding and imploring them not reporting me to the credit bureaus. The lady whom I spoke with supposedly granted me this request, but when I made the payment on XX/XX/XXXX, Navient reported three ( 3 ) late  payments to the credit bureaus. I believe that this negligent act violated at least two provisions of my rights under the Fair Credit and Reporting Act ( FCRA ) 15 U.S.C. 1681. 

I called Navient several times and they continue to misrepresent the fact. Their employees and supervisors are covering up for one another. My third qualifying payment was made on XX/XX/XXXX. However, per Mr. XXXX ( Navient ID XXXX ), my third qualifying payment was not processed on time. It was processed on XX/XX/XXXX, upon my last call to Navient. In sum, I was asked TWICE to wait : a ) Until the XX/XX/XXXX ; and b ) Until XX/XX/XXXX to wait for the 6 wrongful past due reports disappear. 

This is abusive and likely will preclude me from passing an employment credit background check. Also, my other creditors might raise their rates on me due to a higher perceived risk.
I have a home equity loan with HSBC Mortgage Service Center XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, Mt XXXX, NJ XXXX ). On XX/XX/XXXX, 2013, I made a XXXX check payment of {$6000.00} towards my loan. According to HSBC 's payment policy indicated on their payment coupon, any amount above the monthly payment will be applied to the principle, but HSBC wrongfully apply the extra amount to XXXX times of interest and principle. I called them on this mistake, they admit this mistake, but intend to confuse me with mistaken calculations. This practice is absolutely not acceptable! The amount they should deduct from my account 's principle is {$1300.00}. Please instruct them to correct this mistake ASAP. Thanks!
TransUnion ignored my request in their response letter concerning my dispute on  X/XX/2017   .   Judgement :  XXXX   Circuit Court C ase ID :  XXXX  Under Secti on 611 ( 5 ) ( A  ) of the FCRA you are required to promptly DELETE all information which can not be verified.     Please resolve this issue as soon as possible, thank you.
IQ Data 2013 for {$1000.00} Harassing calls to pay the debt in amounts of {$1000.00} which is : 1. ) The wrong amount owed 2. ) Past 4 year statue of limitations in CA
XXXX XXXX listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX and XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and Transunion. Please remove the 30/60 day late payments from my credit reports.
Consumer complaint narrative I went to XXXX XXXX XXXX on XX/XX/2018 to purchase a car, After selecting a car to decide about the price he asked me to provide my details and gave the details to him and I told him " I wan na go for lunch and I will be back in 20 minutes and Do not run my credit before make an agreement about the price '' and he told me be sure we do not run your credit, but after I came back in 15 minutes I saw a paper that they run my credit and I got 3 hard enquiries which I have not approved. 
Equifax on XX/XX/2018 by XXXX, XXXX XXXX, XXXX on XX/XX/2018 by XXXX XXXX, XXXX on XX/XX/2018 by XXXX XXXX. I did not buy any thing and i did not get a loan. 
Please do the needful! 
Best Regards,
TRANSWORLD SYSTEMS INC. HAS  FAILED TO TIMELY VALIDATE THE ALLGED DEBT AS REQUESTED BY MY DEBT VALIDATION LETTER SENT TO THEM OVER 2 MONTHS AGO. BASED ON INFORMATION AND BELIEF, THE ALLGED DEBT IS NOT MIND. THESE PEOPLE CONTINUE TO CONTACT ME AT HOME OVER AND OVER WITHOUT VALIDATION.
I am having two issues with this company. One is that I  accidentally paid my property taxes when they are supposed to so the city has advised they will issue a refund to the mortgage company. I asked my mortgage company for a refund. No response. 

My second issue is that I have requested, in writing, for them to remove my pmi charges from my mortgage. I got an email that theyll address within 5 business days. No response since then.
We finished a chapter XXXX bankruptcy in XXXX 2015. We fell behind in mortgage payments in XXXX because i did not have a job yet. I became employed in XXXX and contacted Shell Point mortgage servicing to start a payment plan to catch up on the past due balance and resume payments. We started discussions with them XXXX XXXX. Our initial phone call we spoke with a loss mitigation rep and talked numbers. We discussed a 12 month repayment plan and the first contact indicated we should be able to start the repayment immediately. They also said there were no fees being added each month. Our rep kept saying it needed to be approved by the investor. We sent our financial documents to them by XXXX XXXX. I have called every week. In XXXX they said we were approved for a loan modification which I said unequivocally several times we DID NOT WANT. We have the funds to catch up on payments. Every call I have asked when we can start repayment. I get a call from our rep XXXX XXXX every 2 weeks. ( I call at least once a week ) we STILL do not have a repayment plan. I believe they are trying to force us into a loan modification now. We want to wait and refinance when our credit is back to normal. We are ready to start paying them the money ... I ca n't figure out WHY they wont start the repayment plan. You would think the " investors '' have a fiduciary duty to their investors. They have to have some motive for delaying our repayment plan. With chapter XXXX we could get up and just leave. But we dont want to- we want to PAY them the amount owed. If our balance gets too large they will deny us any repayment plan or I am sure ask for the complete financial package again to delay further. This is now over 3 months .... all we want is the repayment plan! Now they are piling on fees with no explanation. The rep says there are no fees- but when I pull the loan details they are there clear as day
Opened Chase Southwest Business Card in XX/XX/XXXX - per agreement, spend {$3000.00} in first 3 months, and receive XXXX bonus points. Spent {$3000.00} by first statement closing date of XX/XX/XXXX. Rewards of XXXX points issued to Rapid Rewards account for dollars spent but XXXX bonus did NOT. Contacted Chase on XX/XX/XXXX who said account shows note of " XX/XX/XXXX - Externally earned rewards XXXX points ''. Chase said to contact Southwest and let them know. Contacted Southwest rep on XX/XX/XXXX said they need Chase to transfer points. Contacted XXXX  ( account supervisor ) at Chase on XX/XX/XXXX who conveniently said there is nothing Chase can do to issue the points and they will show in XXXX. I informed all parties ( Chase and Southwest ) that the entire reason for opening the account and spending that amount was to earn the bonus rewards that would count for my XXXX companion pass ( per the terms of agreement - all points earned in XXXX count and the account services at Chase when I contacted them about opening the account and chose a closing statement date ). Southwest is saying points have to be expedited on transfer from Chase. Chase is saying there is nothing they can or will do and it will show in XXXX thus voiding my companion pass rights for XXXX. Without these points, I do not qualify for my companion pass and it seems someone is playing a game trying to keep consumers from obtaining this pass when they have rightfully earned it based on earning the necessary points in the calendar year.
Dear CFPB, We are a small business XXXX XXXX XXXX XXXX XXXX. 

We had a customer order a bath tub on XX/XX/18 the amount was XXXX We ran the credit card and it was an exact match, the security code and credit card number matched the address we shipped the tub to. 
The tub was delivered on XX/XX/18 to that same address and signed for by the customer. 

In XXXX we received a call from the credit card company stating that the customer did not recognize the transaction. I explained in detail everything about the order and we hung up. 

In XXXX we received a charge back from the credit card company saying the customer did not order the tub. Again we provided all the documents, we showed that the credit card number and security code were an exact match to the address where the tub was delivered and signed for. 


In XXXX the credit card company declined us and sided with the customer. They did say we could take it to arbitration for XXXX-XXXX we said we would be willing to do that .... several weeks later we received a letter stating they declined our attempt to arbitration. 

We have since filed a police report for fraud with our local PD. They say the amount is under the mount that they typically pursue fraud charges. The address has been verified as a legitimate address by the XXXX county PD, it has also been forwarded to the FBI who will keep it on file to watch for more activity. 

This address does show up on a Bad Buyers list with other similar complaints. 

We are attaching supporting doc 's. 

The phone number for Merchant Services XXXX Our Merchant number XXXX The Dispute number XXXX
I recently received a letter dated XX/XX/2018 from Equifax stating : 'We have received your request concerning your Equifax credit file. However, the Identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. '' Then the letter requests that I provide items to verify my Identification and current address. 

I have made no recent contact with Equifax. 
I have made no recent requests to Equifax regarding my credit file. 
I have not provided Equifax any identification recently.
I paid off my credit card in full XX/XX/2016. XX/XX/XXXX my payment I submitted was more then I wanted to pay on the card that had a little balance ( since I had just paid it off ). I was unable to cancel or edit the payment. Bank of America informed me I should contact my bank to place a stop payment on that particular payment and that it would charge me a return fee but I could call back and have it refunded. When I called to get this refunded everyone told me it was not doable because it was a legitimate charge even though they told me this could be done. In XXXX 2016 I had a scheduled payment of {$100.00} to my credit card. Everything appeared to have gone through until I recieved an email that it did n't. I called Bank of America and they assured me everything was fine if something happened it would have kicked back already. Well the next day I check my account and that payment too had been returned and they charged me another returned check few. I called two more times to see what the problem was and they ( BOA ) told me to contact my bank where it was coming from ( XXXX ). XXXX did admit they did not remove the stop payment from the previous month ( XX/XX/XXXX ) and it had rejected the payment from XX/XX/XXXX. I called Bank of America again to let them know what happened they said they understood and refunded both of my returned fees. Well today ( XXXX XXXX ) I tried to use my credit card and it was declined, when i called to see what was going on they notified me my credit had been revoked and my account closed because of the returned fees ( one they instructed me to do and one that was a complete accident ; i.e : they refunded both return payment fees they charged ). So now I will have to fight whatever negative consequences. Bank of America has been nothing but trouble to me.
This has been an ongoing issue with Chase. All we want are our statements so that we can challenge some of the charges. They have been dragging their heels now for 3 months.
On Friday XXXX XXXX 2017. I attempted to cash paycheck at Bank of America XXXX XXXX Branch. I do not have account with Bank of America. Check was a Bank of America Issued. I had cashed paycheck previously at same location. Such was my surprise when the teller called the manager who then denied me services.
My complaint is against Chase Bank and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX. I contracted XXXX XXXX to begin the process of filing bankruptcy. They indicated to me that I needed to pay them a certain amount before they could initiate a federal filing on my behalf. According to my Chase Bank records they made {$800.00} in fraudulent withdrawals from my Chase Bank checking account. I believe that this company never had any intention on honoring an agreement to file bankruptcy on my behalf. Once I realized the company 's credibility was questionable I asked the Chase Bank to issue stop payment on XXXX. Additionally, I emailed the company to request that my account be closed in XXXX, 2016. Once, I made this request, I was unable to get through via phone to XXXX XXXX. They routed calls to a voicemail that noone ever answered. I continued to try to communicate with them via e-mail to no avail. I am requesting a refund of the funds that I believe were fraudulently deducted from my bank account. XXXX XXXX now claims to have gone out of business as of XXXX XXXX, 2016.
XX/XX/2019 American Express sends me a letter. I have enclosed a copy of the letter to the consumer financial protection bureau along with American Express as I believe you will be in contact with them. The letter for the XXXX American Express business card is requesting that I go to my bank and obtain the bankers name title hours of availability and signature, confirmation of my home address, main number to the bank branch, and extension or personal lying to the banker when applicable. The letter states that I am to gather the information on my personal bank which is XXXX XXXX from my banker and fax it to American Express to continue the application. Then today I received a call from XXXX in the new application department she advised me that more than likely it would be approved and then phoned me again to advise me that its theres no need to get the banking information because it was declined for frivolous reasons and reasons that go against the fair lending credit back and discrimination being a mailbags is slightly effeminate being categorized by the bank through telephone conversation and then the bank declining the application. I was advised that they will forward the application to a higher level of approval to get the card out as promised. My personal fraud alert due to the XXXX breach was verified along with my personal information prior to me receiving a call that the card Was not approved.
The Loan servicer Navient has added more than double the amount owed as the amount of student loan and is reporting inaccurate information. I believed that most of this has been paid. I asked for records with the loan servicer and they are unable to provide where the information came from, I contacted the state of Michigan and they gave me several pieces of accurate information. The servicer is reporting more than double the balance that was transferred to them and in the past 7 years the loans were almost paid off until they were sent to Navient. I have paid over {$18000.00} and now the loan amounts have more than doubled. I have contacted Navient several times in the past 6 months and they still can not provide information on where the balances came from.
Good day.  I sent XXXX XXXX XXXX 3 certified mail receipts, requesting for validation and verification of the alleged debt.  They never responded and then they started making abusive phone calls with threats of jail if i don't pay them $XXXX  today.  This is not my debt and i never received any notice of this debt until i pulled my credit files
OnXX/XX/XXXX, I sent Transunion proof of a document with a dispute. Transunion is reporting I have 12 late payments on student loans ( Dept.of Education/XXXX ). According to FCRA Section 623,  Transunion is in violation ( if they refuse to correct information after being provided proof of inaccuracy ). They sent me a letter XX/XX/XXXX saying it was verified. But how is that? The document I sent was a income based payment agreement from the XXXX XXXX XXXX, which is over all the student loans.I know for a fact because I just did another one recently. Transunion is reporting 4 late payments on a auto loan with XXXX XXXX that was a total loss and the insurance paid over 95 % of the loan. This has caused me financial injury. Injury to my credit report and credit score. Defamation on my character, etc.. I also noticed them reporting a late payment ( 30 days late ) on a account ( XXXX XXXX or XXXX XXXX ) that I know I called the creditor and arranged an agreement to postpone payment after a natural disaster ( Hurricane Harvey ). 
Transunion has failed to do it's part to maintain accurate information on my credit report or do a proper investigation on my disputes.
I made a paym ent    XXXX   XXXX   2017, whi ch  was 5 days late, along with extra money for the late payment. Unfortunately, I was a little over a dollar short on the late payment. The problem, they arbitrarily put the {$18.00} into the escrow instead of putting it towards the late fee. So, now, I have a past due amount of the {$19.00}. I will pay the {$1.00} and I want the rest applied to the late fee. I am struggling to make sure my payment is made, I do n't have anything left over to buy much food. I ca n't afford to pay frivilous mistakes that they make.
I made a purchase from XXXX XXXX. XXXX and at first i had trouble tracking the shipment because XXXX XXXX   provide me the wrong tracking info. There link sent me to XXXX XXXX web site when i later found out XXXX XXXX   was handling shipment. This delay in not knowing where my shipment was is critical to what became a real mess. My shipment sat at XXXX XXXX XXXX in XXXX for three days and I still did not know it was there. With XXXX XXXX  you must make arrangements with them to get delivery. They said they tried to deliver to my street using a tractor trailer insead of a box truck and where turned away by police..They said they would try redeliver the next day using box truck. Instead they told me if i want the shipment i would have to repay deliver fee. I told them i was not going to do that i did npthing wrong. To make a long story short my credit card is still trying to charge me for a shipment i did not recieve.
I had my XXXX credit report done on me ... .and it turns out that my identity was stolen ( back in XX/XX/XXXX/XX/XX/XXXX ) ... .without my knowing ... .and my information was used to open several accounts. I have file a police report stating the theft.
i can not get on my website they told me i would only have to get a text one time this is everytime i have XXXX p.c.. no phone account i am just sick of it
They purchased a time barred account that was based on identity theft and have violated FDCA by renewing the statute of limitations illegally. I 've sent a cease and desist letter informing them that the account is time barred and I 've also learned that the company is n't bonded to collect debt in the state of Texas, thus violating Texas State Law. There are numerous FDCPA violations and I 've hired an attorney to proceed with filing a lawsuit against them for it.
I have had several problems with this company originally I took out the loan with XXXX XXXX and it changed to Navient, when I filed bankruptcy, then immediately took action against my mother who was the co-signer, I tried to settle the debt and they wouldnt accept, Ok all this is fine and legal. However ... they never send statements, then when the XXXX per month payment is late they charge XXXX late fee, although they have n't sent a statement. When I ask for an auditing of my account they refuse, when I ask for a statement they refuse. They are hard to work with and anytime you ask for any sort of statement, or any sort of paperwork they refuse, if you ask for a supervisor, they refuse. You can not get any of the rights you are afforded under the law with this company.
Some one call on phone a lot my phone number and from variety phone numbers and give message on my answer machine and person want me know debt collect and give me website www.americacollectpay.com. I call on phone this phone number and from person I tell in here and XXXX XXXX and ring and later nothing on phone
My banking/checking account with Bank of America was compromised. I received several new debit cards after the others were closed, somehow they, too were compromised. I asked Bank of America if it could be a specific vendor I was using, possibly they were obtaining my information. The claims totaled to nearly {$5500.00} over the course of about XXXX weeks. Bank of America denied my initial claims, I had them reopen the claims and explained to them that I was out of the country during a portion of the time when the charges were made. The charges were all foreign transactions, with untraceable web addresses, Bank of America said they denied the initial claims because it did n't seem " suspicious '' enough. That is literally what they told me. They said if it was a true act of fraud, the thieves would have made larger transactions instead of back to back, repetitive, same or similar amounts, less than {$50.00}, over an over. I do not understand how they can justify their reading on that. They asked me to send them information proving I was out of the country, on a cruise, which I promptly did. They postponed the " resolution '' of my claims XXXX different times. The whole process has taken over a month and a half to come to them denying the second round of claims. They told me after the initial denial that it seemed suspicious that the thieves were able to get my new debit card numbers from the temporary card and the second permanent card. Well of course it 's suspicious. The whole thing is suspicious, that 's why I reported it in the first place. I explained to them that I initially thought that the foreign transactions had something to do with the cruise line having my card & perhaps they were " charging as I went '' on the vacation, that was n't the case, the charges had nothing to do with the cruise line. This whole situation has been extremely stressful, as the amount is quite large, it 's irritating to me that Bank of America seems to not really care whether or not the money is credited or not. I thought that there were laws and Acts in place to protect consumers from things like this. Situations like this is why people do n't trust banks. I just need some advice or assistance in getting my money back, I 'm to the point now where I 'd almost accept even a portion of what was stolen, I just need some sort of resolution. ASAP. Thanks
In XX/XX/XXXX, I received a packet from Chase Home Finance stating that they were part of a class action lawsuit and I had been approved in the past for a loan modification. As part of the lawsuit, Chase was required to offer assistance to see if there was anything else they could have done for us. So I submitted the application and they placed me on a two month forbearance for XXXX and XX/XX/XXXX. My mortgage was current prior to submitting the documents. They placed me on a two month forbearance to better my situation, not realizing all those payments would be due and payable XX/XX/XXXX. I work in education, a forbearance to me is a stop of all payments and they added at the end of the loan. So I applied for another modification to get assistance with the two months I am now behind, to be told they can only offer me a short sale of my mortgage. I am so upset. Now I have maxed out all of my credit cards and over {$100.00} in XXXX XXXX fees just to get my mortgage current.