WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has sent me a notice informing me that my loan is " still outstanding for two installments '' and advising me about potential legal proceedings. This claim is patently false. 

I have made ALL PAYMENTS timely and this can be documented in my bill pay records which I have attached. The payment address and account numbers are correct. 

Clearly, this threating letter was sent in error but no one can explain why my payments are not being applied properly. I believe this company is probably deeply incompetent and I believe they should be swiftly disciplined and fined. 

I called the customer service department on XXXX XXXX, 2017 and the individual I spoke with dismissed my concern while saying they had " no idea '' why I received that letter. I am deeply concerned that my valuable credit score will be impacted, or even worse, that this company will erroneously start foreclosure proceeding when every payment has been made on time. 

Please, fine XXXX so they learn they can not treat customers this way.
XX/XX/XXXX I deposited a check from an Insurance claim and it was returned, no fault of mine. Ditech reversed my mortgage payment of {$1200.00} and the insurance check of {$10000.00}, in XX/XX/XXXX. I have always paid my mortgage many days before the due date.Every month I pay an extra {$100.00} more than the mortgage payment. I have a mortgage with this company for many years and have NEVER been late. They requested the copies of my bank statement and canceled checks from my bank which I have provided. I wrote and called them every few weeks and spoke to several Managers and Customer Service Representatives. They have all promised to get the problem resolved and mail out 1 year of payment history. I have not received that from Ditech and lately I have been receiving my monthly statements late. I was informed that they are reassigning all my payments from XX/XX/XXXX to present from XX/XX/XXXX and that should resolve the problem. That has made things worst because they now have be owning {$10000.00} and reflecting that I only pay {$330.00} for interest payment for the entire year of XXXX. They have been reporting me to the credit bureau as paying late every month. Last week I received a letter that my property is in foreclosure and I need to respond to them by XX/XX/XXXX. I am a older person and this mortgage company is about to kill me. I would appreciate your assistance ASAP. Thanks.
I paid {$140.00} from my PNC Bank debit card for services at a hair salon. Long story short, I was not happy with the services and disputed the charge. The salon knew what they did and offered to pay me {$100.00} of it back. I accepted the offer and said they would mail me a check. When I did n't get the check after 8 days, I disputed the entire {$140.00} at the bank. They credited my account immediately, then determined later that I should not get my money back. I received a letter in the mail stating they were taking the funds back out of my account on Tuesday, XXXX XXXX. 

I called them to re-dispute it on Monday, XXXX XXXX. I was read a script to let me know that " I would have full use of the funds immediately '' until another determination was made. Instead of making the funds available, they took them out. 

The following day, my auto insurance was debited, over drawing my account. I was then charged a {$36.00} fee on XXXX. I made a complaint on Thursday, XXXX with the bank and received a call today, Saturday, XXXX from XXXX XXXX in the Escalations department. He said there was nothing they would do about the fee, and they were n't putting the {$140.00} back in my account. 

I 've had other frustrating experiences with PNC 's customer service in the past. I just have n't had anything legal or ethical to report until now. 

Also, I can not copy the full information from my bank account online. The system wo n't let me. I did however, copy the page and it does reload to see my acct information. Here is the link : file : XXXX The {$20.00} Final Dispute Credit on XXXX was {$20.00} that the ATM machine took from me on XXXX XXXX when I tried to deposit {$180.00}, but did n't get credited to my account until XXXX XXXX.
My complaint is with XXXX XXXX now known as Navien. From XX/XX/XXXX to XX/XX/XXXX, I tried to get my monthly payments lowered through Navient. This was due to the fact my mother is a single parent, my father does n't help, and I was still looking for a full time job out of school. I tried for almost a year to get my payments adjusted due to my income and my mother 's ( she was the cosigner ). My payments were over XXXX dollars and neither her nor I could live a normal life with these payments. They wanted us to live like Hermats under a rock. I kept getting told that my income was enough to cover. I was making XXXX a year at this time. My mom XXXX. At the end of our expense calculations, both of us were close to coming even for the month after paying this rediculous loan.. Nowhere near the income for an over {$500.00} a month payment. They were close to {$700.00}. But nope, Navient still states that we had to pay because technically, we could cover if. Am I not supposed to live my life? My mother was told maybe she should " cut back on strenuous and extravagant spending. '' My mom is a XXXX and does not spend where she does n't need to. We were appalled. I wanted to make payments, I wanted to repay Navient. I just could n't do close to {$700.00} a month. They would not work with me. I have records to back these statements up and the countless times my mother and I were pleading with " customer representatives '' to help me get my payments lowered. I have a federal loan and a loan from my college as well as this. They did n't care. After almost A YEAR of trying, we finally got them lowered, but still at {$300.00} a month. That to me is still outrageous. This new plan is called " rate reduction plan. '' It ends next month and I am so scared what is going to happen next. It makes me not sleep at night. I have no clue if I will be able to keep these payments. These people do not care about their customers, all they care about is getting their money at any cost. Like I stated above, I told each representative many times that I do want to pay you back. Just please work with me on a payment plan. And each time I was told " you signed an agreement, sorry. '' Unfair.
I had XXXX accounts with Capital one credit card company.I contacted them and requested full payoff balances and on XXXX XXXX 2015 I payed off both accounts in full.I then recieved a XXXX dollar credit from capital one.stating I had over payed on the account.And now I recieve a bill for XXXX when I contacted them they stated they had been a slight mis calculation.Also during the entire time I had the accounts most of the payments made were not credited to the account.Therefor I was paying XXXX the amount owed all of which I have documented proof.
American express travel related services company has issued to me a check for {$150.00} on XX/XX/2018. 
I did not cash the check on time, it is expired now. I am trying to get a replacement check. 
I tried to contact A E card : the agents said they have no records or information about this check. 
I then XXXX the AE travel related company phone number and called them, but there was a recording stating that the number is not valid ... 
So I called CFPB and was advised to mail my request to the company directly, if that fails, contact the AE credit card and See if they could help.
I have a home mtg with Chase. Account number XXXX is partial number. last XXXX of my ss are XXXX. My name was XXXX XXXX at the time and this is the name account is under. My mortgage was included in my bankruptcy. This account is well over 7 years old from first delinquency. By law this account needs to be removed from my credit report. Even though payments are not being reported and I have a XXXX balance this is still showing up as a negative on my XXXX and XXXX credit reports.
the company has listed several recent inquiries that I am not familiar with and I would like them removed. my score was just literally over XXXX and now it is back down bc of this. I strive hard to keep my score going up, please do n't let my progress get hindered by fake inquiries
I have had my checking account for over 10 years. Its a maintenance free account. For the past 3 months Suntrust started Mysteriously charging me a maintenance fee of XXXX dollars. 

When I complained about it they refunded the money but then the next month they did the same thing. 



XX/XX/XXXX {$10.00} FEE XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} Fee XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} FEE In the 10 years of this account I have never signed up for any maintenance service and don't want any now. Suntrust owes me a refund for XX/XX/XXXX and I want them to stop this cycle of Fee/refunds.
I borrowed private student loans with  XXXX   XXXX   (  now Navien t )  for  XXXX   XXXX   XXXX , the amount owed is {$11000.00} as of today. I filed bankruptcy in  XXXX ,  XXXX  and had been told this payment  may  have been paid off. Navient said they had no record of that?  <P/> I have recently been   XXXX   since  XXXX   XXXX . My  XXXX  ran out in  XXXX   XXXX , I called them requesting deferment and was denied and told that unless I am enrolled in school, my regular deferment ran out and they can not help me. This is n't the first time I 've had that conversation with them. The only other deferments I had were close to 10 years ago, and I had to pay an amount of money for the  2/3  times to even have my payments be in deferment!   I am on food stamps  (  since  XXXX   XXXX  ) and can not afford to make these payments to them currently because of my cost of living. Yet, they will not waive my fees in anyway.  <P/> Help?  <P/> thank you.
I called XXXX Transunion, and XXXX and told them that the inquiries on my report was not known or authorize. They said that they can not be removed because they are verified. They could not tell me how they verify the inquiries. I also did the online dispute.
I have perfect credit and credit monitoring and I do not have any collections nor have I ever had anything in my life go to collections. 

Starting on XX/XX/2018 I have received 15 phone calls I can document from the following phone numbers : XXXX, XXXX, XXXX. When I call those numbers back it, sometimes, connects me to Halstead Financial in IL. I contacted Halstead and told them to stop calling me as they have the wrong person. I spoke to a supervisor, XXXX and his manager XXXX. I did not get last names. XXXX gave me his number of XXXX but it does not connect. I filled out a request to stop calling me on their web-site as well. They continue to call me.
IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX OF THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO EQUIFAX CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. ICOMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.
I have several XXXX student loans these loans have been in deferment or forbearance since I left school and as I look back thru the records they are showing online XXXX XXXX /Navient have been charging late fees as far back as 2007 which is ludicrous. And my loans were originally being serviced by XXXX XXXX, now it is being serviced by Navient. 
I began repaying my loans this year and all my payments have been stolen to pay for fees I do n't owe. I am considering legal action against Navient/ XXXX XXXX and the dept. of Education for not doing their due diligence in monitoring these crooks. I want my money for fees credited to my loans and no more XXXX from Navient. what can you do to help?
Chase bank is charging excessive fees in excess of XXXX dollars for a single negative account incident. They have been maximizing fees by reordering transactions and approving transactions to charge fees and then denying them later so they may charge another fee. Fees charged to this extent are unconscionable and entrapping. If I do not get relief from these fees I may be forced to file bankruptcy because it is impossible, on a fixed income, to get out from underneath a bank that is charging me over XXXX dollars for credit at an egregious rate and charging fees for credit they never even extended. I requested that they do not process transactions against my account when it is negative the last time they charged me over XXXX dollars in fees. I do not understand why after litigation with XXXX XXXX and XXXX XXXX XXXX the rules have not been changed and these deceptive contracts of adhesion are allowed to continue. I should not be able to say honestly that borrowing money from a criminal loan-shark would have been a cheaper and less financially dangerous choice than the legal contract I have been bound to, without even having to provide voluntary consent, which according to chase allows for this type of highway robbery.
I applied online for a credit card from Walmart through the linked website of XXXX XXXX, Creditor XXXX XXXX XXXX XXXX XXXX, FL XXXX I was denied due to an " insufficient credit history on file ''. 

It seems to me, if a credit history was needed, I could have been given the opportunity to provide credit references, as they do not appear on the XXXX Credit Report the Bank used for reference, nor on the initial application for the credit card.
I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX XXXX   XXXX,
Once i graduated i was not aware of all the Loans that i took out for School. A couple months after graduation i started receiving phone calls from Sallie Mae saying that i am past due on my balance. I first checked with the school to ensure that i did in fact take out this loan that was about {$7000.00}. Once i confirmed that i did i set a payment plan up with them. I was to pay {$700.00} for the first XXXX payments to catch up. My first payment was taken out of my bank account from Sallie Mae so i did n't think anything was wrong. I then got a phone call from a bill collector referring to the loan. I told them that i had worked out a plan with Sallie Mae and they had already taken the first payment. The bill collector said that i was to pay them due to Sallie Mae contacting them. I started paying the bill collector until i could reach out to Sallie Mae and figure everything out. It has been a little over a year and when i call them they say they are working on it and someone will call me back. I still have not heard back from them and this is ruining my credit. I still continue to pay the bill collector hoping that i can get this all figured out and restore my credit.
On XXXX XXXX 2017 while shopping at Home Depot at XXXX XXXX, Virginia, I was approached by a sales associate at check-out and asked whether I currently held a Home Depot credit card and whether it was more than three months old. I said yes. He then said for {$25.00} off your purchase can upgrade your credit card to more favorable terms. I agreed to the " upgrade ''. I have now learned that the " upgrade '' was nothing more than opening a second Home Depot account. I have since talked to Citibank who assures me there was no difference between the card I had and the one I received as an " upgrade ''. In effect, the Home Depot employee misrepresented the card and engaged in what I consider fraudulent representations to induce consumers into opening a second account.
On XX/XX/2017 shortly after XXXX I checked my citizens bank checking account. I noticed a charge in the amount of {$1200.00} as pending. Because I did not authorize such a transaction I called the Citizens Bank customer service which informed me that there was a debit card transaction for the said amount processed at XXXX on Monday XX/XX/2017. I told them that I did not authorize any such payment and that this was a fraudulent transaction and if they could please stop it. Customer service told me that they will not stop this fraudulent transaction, that the charges were initiated by XXXX, and if I wanted I could call the XXXX to stop the transaction but they did not have a phone number for XXXX. I then called the fraud prevention department of the Citizens Bank. The representative told me essentially that they will not stop the fraud, and I was welcome to file a complaint with police. 
I did no given my debit card number or in any way or shape authorized XXXX to charge my account. My card was always with me. It is very likely that XXXX illegally obtained my debit card number, its expiration date and security code either by breaching the security system of the Citizens ' bank but most likely obtained these information through a corrupt employee ( s ) of Citizens Bank. By refusing to stop this fraudulent transaction as it was happening, the Citizens Bank enabled the fraud.
This company basically likes to steal from people. They are still reporting me on collection when I have informed millions of time that the account that is open under my name, was open as a result of identity theft. I contacted them last week to let them know again, and tried to find a possible solution to my problem, and the representative that took care of me over the phone told me that the account was a result of a XXXX card. I wasnt even aware of that. I find this very weird because I was approved for a XXXX card having them reporting me on collection. When i checked my credit report, it said that he original creditor for this account was XXXX bank nevada. Nothing makes sense to me. They dont even know what they are doing and what they are charging me for.
My credit score decreased from XXXX to XXXX and I was not able to gain support from the agencies regarding why the sudden drop took place nor how I can rectify my score. I am attaching the report from credit karma. Thank you for your assistance in advance.
Capital One charged off {$1700.00} of a {$2300.00} balance, leaving me with a {$1200.00} balance ( according to XXXX XXXX, the account is in charged off status ). The account was closed and charged off and removed from the Capital One website where I could make payments. The account was assigned to their collections department. I made several payments through XXXX XXXX, as I can only make payments when she calls me. I 've asked her to relinquish control back to me so that I can make payments. She refused. I 've also asked other people at Capital One if relinquishing control over payments back to me was possible and I 've been told the same thing. I 've told her on several occasions that she calls me at times of the day where I can not answer my phone as I am with clients at work ( I work with XXXX ). She has told me that there is no minimum payment required on the account or a due date, however, when she can not reach me and has not received a payment ( only as a result of her calling me ) she reports to the credit bureaus as late. She recently ( XX/XX/2017 ) reported a late payment and I lost XXXX points on my credit score. There is no way for me to able to get this paid if I have to wait for her to contact me to pay this account. This has been going on for several months. I just learned about the CFPB on XX/XX/2017.
I have been enrolled in the IBR program since finishing graduate school XX/XX/2012. I have followed protocol flawlessly during that time. This year, however, due to an exceptionally busy schedule of work, travel, and moving, I missed the re-enrollment deadline by under a week. My servicer NelNet acted quickly, informing me that the interest accrued during the last year ( over {$25000.00} ) would be applied to my principal balance. Now, I fully admit to missing the deadline but what I find incredulous is that there is no way to appeal this decision or negotiate what essentially works out to be a penalty as is commonly done in business and loans. It 's laughable. The best the customer service agent could do was offer me a phone call from a supervisor sometime in the next couple days, and could n't even confirm the number I should expect to receive a call from nor that the supervisor would leave a voicemail in the case I was unavailable to answer. I understand that the impetus is on the consumer to keep abreast of policy and plan details, but the fact that there is absolutely no avenue to appeal or flexibility in any matter is borderline predatory. Also, as the agent confirmed, I can only receive electronic OR mail correspondence. Not both. That alone is baffling. It is also severely decreasing the likelihood that this loan will ever be paid in full.
On XX/XX/2018 I noticed 3 unauthorized charges on my checking account. It was 3 separate transactions done at XXXX XXXX at XXXX XXXX  for {$720.00}, XXXX XXXX for {$560.00}, and at XXXX XXXX for {$760.00}. I checked my account at around XXXX XXXX that same day and upon noticing the charges I immediately called my husband to let him know what was happening. I also asked my boss to let me go down to the Chase bank down the street, he said yes. Once I got to the Chase branch they called the help line for fraud, they asked if I still had my debit card on me and I said yes, because I did and I showed it to the banker. I asked her how this was possible if I still had my debit card on me and she said it could be something called " skimming '' and she advised me to use my credit cards for all purchases from now on. I was told by the person on the phone that they could email me an affidavit that they needed me to return signed so that they could open the investigation. I agreed to having it emailed.Five days later ( XX/XX/2018 ) I had not received anything to my email so I walked into another branch where someone assisted me and they fax in the signed affidavit ( where I say that I am in possession of my card, and that NO, I have not given my pin to anyone else nor did I approve {$2000.00} in charges at XXXX XXXX ). I was assured that Chase would look at everything, and investigate thoroughly before making a decision on the claim. Today, XX/XX/2018, my husband ( who is a joint owner of the checking account ) received a letter in the mail saying that the claim had been resolved. We called the number on the paper, once we got someone on the line they told us that the claim had been denied. It was denied because the card had been used with the chip, and there was no incorrect tries entering the pin. I've asked if they can say with 100 % certainty that a chip reader was used, they wont tell me. My husband asked why does the checking account say that the transactions happened at a XXXX XXXX in XXXX XXXX, but when you click on it for details it says it's located in XXXX, TX which is actually almost 3 hours from where we live? I explained that I was at work the whole time with my card, while these transactions were happening and I have time sheets/location services that can prove it. They are still denying my claim.