WillisBack/dataset-financial-user-claim huggingface dataset:
I was inaccurately informed about how a bank was cashing a check of mine. I use a fifth third product, prepaid service called access XXXX. Fifth third sells this product but does not service it and fails to tell you this till something happens. I will at times cash checks and then put the funds into my XXXX access account, I had been told by 53rd that I had to cash the check and could not deposit it directly on to my XXXX access also since this was a product not serviced by 53rd I would be charged a check cashing fee. I agreed to a fee of {$4.00} and had been paying this fee each time I cashed a check to deposit it on to my card. This had been this way for over a year on this account. 

On XXXX/XXXX/16 I had tried to cash a personal check and the teller at 53rd was trying to sell me on an account called express pay. The teller told me it would cut my check cashing fees in half and save me money. She stated it would be quick, I agreed to talk with a banker and switch thinking it would save me. The teller when ahead and cashed my check and charged me an {$8.00} fee for cashing. I did not know this till after she brought my cash into the banker office, she did not tell me the fee was {$8.00} and in the past I had never been charged this much to cash. 

The teller was very rude and was the person who had pressured me into signing up for the express pay since it would " save me fees '' which it never did. I was inaccurately informed on the check cashing fee and was actually never given a fee amount before agreeing to allowing 53rd to cash my check. 

I had in the past found the XXXX access product to be a scam sell by 53rd as they do not service the product and do not inform you this at the time of signing up. I have in the past dealt with fraud on my XXXX access and it took weeks to get refunded and my money to be released. 53rd fails to inform you that you have to work with a different party to resolve any XXXX access issues.
On XX/XX/XXXX, I applied for a used automobile loan with my bank, the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX, New York. During this process, the bank noted my credit rating had dropped from the 800s to the 700s due to one past due account. I immediately contacted all 3 credit  bureaus. On the first site, I quickly located the problem, which was a credit card listed as XXXX ( translated as XXXX XXXX, XXXX XXXX XXXX ). Since I did not open this account, I filed disputes with the 3 bureaus. XXXX 's on-line process was completed in minutes, as well as XXXX. However, Equifax proved to be impossible. After two attempts at filing an on-line dispute, I was unable to tell if my request had been processed. The other bureaus gave me a file or confirmation #. This one did not. On XX/XX/XXXX, attempts to reach Equifax by phone ( XXXX ) were met with continuous instructions to use the website, with no option to reach a person. After a while, I finally located a different number ( XXXX ), and reached a person. This representative was difficult ( and at times impossible ) to understand, asked most questions twice after they had been answered and was generally robotic and unhelpful. I had to twice ask her to spell words that she could not pronounce. After 10 minutes of answering security questions over and over again, she advised me my answers were wrong ( they weren't ) and I will need to fax my license, a copy of my SS card and a letter to them. 

My credit rating has remained above 800 for decades. This fraudulent credit card was opened in my name and I want it corrected. Two of the three companies were able to do their jobs. I am filing this complaint against Equifax because I am very concerned about the level of professionalism and their inability to perform a basic function of their mission. My credit rating still remains very good, and this did not prevent me from getting a loan, but it did raise the interest rate I was offered for the loan. This obviously needs to be rectified and Equifax seems to be unable to help me. Thank you for your anticipated help.
Navient continues to report false information about my student loans. I have repeatedly asked Navient to stop reporting fraudulent and incorrect information to the Credit Bureau 's about my student loans which they refuse to stop reporting. I have now reported this to the Dept of Ed and also filed a Fraudulent Claim also with the Dept. of Ed. I have also contacted the Consumer Protection agency regarding this Fraudulent reporting. I have also now found further evidence about their fraudulent activities regarding the handling of student loans which I am sure I also qualify for : In itslawsuitandpress release, the CFPB alleges that, among other allegations, Navient " systematically and illegally [ failed ] borrowers at every stage of repayment, '' including : created obstacles to repayment by providing bad information ; processed payments incorrectly ; failed to act when borrowers complained ; illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; deceived private student loan borrowers about requirements to release their co-signer from the loan ; and harmed the credit of XXXX borrowers, including severely injured veterans The CFPB also alleges that Navient improperly directed borrowers into forbearance when these borrowers otherwise might have qualified for income-driven repayment plans, and did not adequately keep borrowers in income-driven plans informed of deadlines to maintain their eligibility under such plans. " For years, Navient failed consumers who counted on the company to help give them a fair chance to pay back their student loans, '' said CFPB Director XXXX in a statement. " Atevery stage of repayment, Navient chose to shortcut and deceive consumers to save on operating costs. Too many borrowers paid more for their loans because Navient illegally cheated them and today 's action seeks to hold them accountable. '' In astatement, Navient denied all allegations and said the lawsuit was politically motivated. 
I have since sent Navient another updated and notorized Dept. of Ed/Navient Fraud document mailed today. XXXX.
I have disputed several accounts on my credit report with Experian several times. I first disputed with the original creditor XXXX, and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.
I tried to get a modification and was denied.I need help. I lost my job in XXXX and couldn't afford my mortgage, because I only receive XXXX monthly
About a year ago I opened a Discover Bank online checking account. I already had an online savings account with them and was happy with it. I like getting bank statements and credit card statements mailed to me because they help me remember to reconcile and/or pay them in a timely manner. I also like having a paper trail back up for my files. I noticed that for some reason I was not receiving paper statements from Discover Bank, so I went online to choose that option. I could not find a place anywhere on their website where I could ask them to mail my statement to me. So I called the bank. After to talking with several people, I was told that I can call anytime to request a paper statement, but that they do n't have a paper-copy option for their online checking account. I was told that I had opted out when I opened the account ( this is mandatory ), and that I had waived my right to " opt-in '' because no such option exists. Wondering if this was legal, I did some online research. This led me to XXXX XXXX, Senior Consumer Regulations Specialist with the Federal Reserve Bank XXXX XXXX. I sent an email explaining my situation to him and he wrote back the following : Pursuant to Regulation E ( Electronic Fund Transfer Act ), you are entitled to written periodic statements for your checking account if electronic transfers ( such as ATM or debit card transactions ) can be made from the account. See 12 C.F.R. 1005.9 ( b ) and 1005.4 ( a ) ( 1 ) The E-Sign Act applies when a law or regulation requires written disclosures. 15 U.S.C.7001 ( c ) ( 1 ). The E-Sign permits the use of electronic disclosures in lieu of the written ones, provided the consumer consents and is notified of the right to later withdraw the consent. Regulation E specifically requires compliance with the E-Sign Act if a financial institution wants to provide disclosures electronically. 12 C.F.R. 1005.4 ( a ) ( 1 ). The E-Sign Act also requires financial institutions to provide consumers with the right to withdraw their consent to electronic disclosures. 15 U.S.C. 7001 ( c ) ( 1 ) ( B ) ( i ) ( II ). 

If Discover Bank is not complying with these requirements, you can file a complaint with its federal regulator for consumer protection issues ; namely, the Consumer Financial Protection Bureau ( CFPB ). You can contact the CFPB at XXXX or visit the CFPB 's website to file a complaint online. XXXX/We hope you find this information helpful. 
XXXX XXXX XXXXSenior Consumer Regulations SpecialistSupervision, Regulation and CreditSupervision, Regulation and CreditThe Federal Reserve Bank XXXX XXXXOffice : ( XXXX ) XXXXCell : ( XXXX ) XXXXEmail : XXXXXXXXXXXX
I paid a collection agency for a bill cause they stated fastest way to take care of was pay them then they would remove it off my credit report. Otherwise I could send in my paperwork from my chapter XXXX that I was still in ( not discharged/final court payments not finished ) and they would review and decide what to do. I choose to just pay it as it was only {$110.00} and seemed real easy to just pay rather than collect all the info they wanted. This shows on my TransUnion report still and no other credit agency. Mean while the chapter XXXX has been finished and discharged on XXXX XXXX, XXXX ( official file date XXXX XXXX, XXXX ) and anything dealing with that Chapter XXXX has came of my record as the 7 years from filing has arrived. I payed on this chapter XXXX for little over 5 years and have worked hard to get things back on the excellent side I was on prior to XXXX XXXX in XXXX with inadequate medical coverage that left me to have to file the chapter XXXX in the first place. The credit collector in this cause is causing a stand still of my improvement by not following through with a verbal agreement as good luck every getting something in writing as the will not provide that almost no matter what. Notified TransUnion with their preselected chooses they have and my response back is very vague in the results and I plus any others out their trying to get things right deserve better from a professional company. A consumer who does n't care about a quick dismissal of a response generally would not even bother to ask for such. However, it does state I can further contact them for any additional questions about my dispute request but it is a whole bunch of loops and staying on hold and links that do n't work properly - Why not just give me the report in the first place. Their vague answer does n't even specify that they contacted the creditor. Says : " Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. '' Ok I get what No Change or No changes have been made means but, really Verified? With whom it looks like them selfs well I can pull my credit report and Verify myself that their report says the collection is listed ... .What legal practice is this even right to give that response to a consumer. 
Basically I should never paid this did the weeks of paperwork gathering to have it gone now as I was miss lead by the collection agency. But even at that I was in chapter XXXX when this appeared on my report and all other bankruptcy items have meet their limit of 7 years from chapter XXXX filing and have been removed so even though I privately paid this should it not disappear with this rest.
In summary I cosigned a loan for my daughter with SallieMAE for {$10000.00} in XXXX. Both of our records confirm that I have paid diligently from XXXX XXXX for a total of {$12000.00}. NAVIENT said that I owe an additional {$2200.00}. I can not fathom how they calculated this much in interest. The only correspondence I have about the interest rate shows 3.25 %. The manager from Navient ( spinoff from SallieMAE ) told me on the phone it was a variable rate, but they have not been able to provide any documentation to confirm that. I have letters from SallieMAE in XXXX and XXXX that state the interest rate is 3.25 %. At 3.25 % the loan should have been paid off in XXXX as I believe and my payments confirm. I also paid off 2 other daughters student loans at the same time. In XX/XX/XXXX Navient reported that I was behind payments by 2 months. This made no sense to me since I had stopped payments in XXXX of XXXX. 

I opened a dispute with the credit agency, but it was closed 2 months later. I spoke with NAVIENT to try and resolve, but they could not provide any documentation or proof about the how they calculated approximately a {$15000.00} debt on the {$10000.00} loan. This equates to a 50 % interest assuming no payments were made. The indisputable facts are that I made over 145 payments for {$84.00} per month for a total of {$12000.00}. 

I think it is outrageous for Navient to be looking for more money from me for this student loan and to report false information to the credit reporting agencies. Both my daughter and I have been harmed by the negative credit report. 

on XX/XX/XXXX I had a call with a Navient manager, and we negotiated a settlement of {$890.00}. This manager said that our credit report would be updated to reflect " Paid '' or " Satisfied '' if we  paid the {$890.00} by XXXX on XX/XX/XXXX. 

I received the settlement offer, only to learn that the credit bureau status would be updated to paid in full for less than the full balance. In addition, there would be a XXXX issued on the balance of the amount they said I owed less the settlement amount. 

I understand these firms need to collect when payments are not paid or fall behind, but my payment history clearly demonstrates that I diligently made the loan payments from XXXX to XXXX and thought I had paid off all my kids loans by XX/XX/XXXX. 

I firmly believe the tactics used to recover this debt is the result of shady lending tactics by SallieMAE, Navient and XXXX XXXX. Our financial reputation has been severely damaged as a result of these tactics. 

Trying to get help from Navient, XXXX or even through the attorney generals office is not helpful. 

To this point Navient will not provide any supporting documentation to show how they determined the additional debt. In fact they provided false information to the credit bureau, stating that I was making payments through XXXX of this year. In addition they report that my payments were only {$60.00} per month. Both points are not true, I can show that I made payments of {$84.00} from XX/XX/XXXX XX/XX/XXXX. 

Any help you can provide is greatly appreciated. 
XXXX
On  XXXX   XXXX ,    2004  I signed a Multistate Fixed Rate Note Single Family  XXXX   XXXX   XXXX  whereby in paragraph  XXXX  ( Borrowers Right to Prepay ) of the form it provides : When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. '' This renders the note non-negotiable. I have told the Note Holder multiple times that I have made prepayments to the loan and that it is not a negotiable instrument pursuant to sect ion 3-104 ( a ) ( 3 ) of the U.C.C., a   promissory note can not be an instrument if it contains such an undertaking : the rules of negotiability apply only to promise to pay money, not to other, non-monetary undertakings. Sending a notice certainly is an act in addition to the payment of money, and the notes language seems to constitute an undertaking to perform that act. '' My  XXXX  Loan number is :  XXXX  and I have demanded a full Accounting of my original loan number :  XXXX  allegedly now serviced by  Caliber Home L oans with loan number :  XXXX . Therefore, based on the above, this is a notice to the Note Holder of all the above, and ask the Consumer Financial Protection Bureau ( CFPB ) to intervene and audit my loan.
I had an XXXX card with Costco which I rarely used and had a XXXX balance. Costco then shared my confidential, private, credit and contact information without my consent and signed me up without my acceptance or agreement for a " Citi Anywhere Visa Card '' and then mailed me the card. I never activated the card and did not plan to accept the new account. I therefore did n't pay any attention to the mailings from Citi for several months as I did not activate the card nor did I use the card. After several months, I opened a mailing to find that it was a statement and that they had charged my Costco membership fee to the card as well as adding late fees and interest for not paying. We have contacted Costco and Citi several times to try to resolve this, including cancelling our Costco membership over the issue. The Costco membership fee has been refunded and the card closed. Citi has agreed multiple times over the last few months to remove the late fees and interest and XXXX out the balance. However, they have failed to do so and instead are still sending monthly statements, the latest being dated XX/XX/2016 with another {$37.00} late fee added and {$1.00} in interest for a new balance of {$100.00}, despite the original membership charge being refunded by Costco and Citi cards multiple assurances that they would remove the late fees and interest charges. I called again on Sunday, XX/XX/XXXX and the customer service specialist AGAIN agreed to remove the charges and XXXX out the balance. I just checked again today and the balance of {$100.00} remains on this account. I have very good credit and I now fear that I will be reported for late payment or unpaid balances to the credit bureau, negatively affecting my credit. For a card that I never agreed to get and charges that I never agreed to have charged to a credit card that I did not activate. Based on the fraudulent activity of Citi, Costco, violations of my privacy, and the ongoing lies of Citi employees, I have investigated online to find that I am one of many Costco customers dealing with this same issue. This leads me to believe that Citi has no intention of making this right without further action. Their behavior is despicable.
The credit reporting agencies, have XXXX XXXX an XXXX listed on my credit reports. They are the same accounts, with same account numbers and amounts. I have tried on several occasions, I disputed the entries and have the items corrected with no success. 

On XXXX, my XXXX accounts are closed and wit no late payments. However, on Equifax, the accounts are showing the opposite, that payments are still due. 

Please assist an/or advise how to rectify this situation. It is really disabling me from securing a home or other needed items for me and my family.
Our dental practice received an invoice regarding collections services from Capital Accounts. The services attempting to be collected upon are from patient accounts that were submitted to the collections agency from XXXX under a prior business owners name. 

Our doctor purchased the practice from the doctor in question in XX/XX/XXXX, however all account aging and collections from before the purchase of the practice remained in the prior doctors name and were forwarded to him via postal forwarding. 

Capital Accounts had been unsuccessful in collecting and or contacting the prior doctor and on XX/XX/XXXX someone from their office changed the name on the collections account to our doctor based off of our answering service. 

Once we received the invoice from Capital Accounts we contacted them for more information regarding the account and were notified by their representatives that the debt that they are attempting to collect is not ours. It was also at this time that we were made aware that they changed the name on the collections account after unsuccessfully reaching the prior doctor on our office number. 

During our conversation with Capital Accounts we made them aware that the account in question had been erroneously changed into our doctors name, and that we did not have forwarding or contact information for the prior doctor. XXXX continued to harass and make threats regarding why we were unable to provide information regarding the doctor in question. We attempted to resolve the matter and get a corrected invoice showing that no debt is owed by our doctor, however the harassment and threats continued until XXXX hung up on us.
I am writing to submit a claim against Gold Key Credit INC. in the amount of {$790.00} for a medical bill for my daughter that was sent to them in error. I have never received any written communication from the company in regards to this debt nor have I ever received a call. The debt was taken on consignment from XXXX XXXX XXXX, a billing company for XXXX XXXX Hospital located in XXXX XXXX, New York. I contacted the company on XX/XX/XXXX of this year after pulling my credit and seeing the derogatory mark. Upon some investigation I have found out that this debt should never have been sent to the collection company and I would like to dispute it.
Hello : In XX/XX/XXXXI purchased my residence, a new home that cost {$210000.00}, with a down payment of {$70000.00} that was required at closing by XXXX XXXX. The payments were around {$1100.00} a month after paying the monthly payment with {$100.00} extra towards the principal they lowered my payments to around {$1000.00} by the year XXXX. In XXXX I became XXXX unable to work contacted XXXX XXXX  immediately. Advised them of the situation, they said they could help with a modification. We began working on the Making Home Affordable Loan. After working on the loan, I was told I was appoved. I just had to make 3 payments of the amount which I did. They accepted the payments, but Foreclosed on me sold the house to themselves broke in changed the locks. At the time I was working with Legal Aid who contacted XXXX XXXX who after checking the payments that were accepted told XXXX XXXX to let us move back in. Which we did, and we were told that the sale would be rescended. XXXX told Legal Aid and myself that it would take some time for the lawyers to rescend the sale and they would get back to us. The next month I make the payment they send it back and tell us they are n't accepting any payments. I wait some time, cotact the lawyer we force them to put the house back in my name after rescending, with a good faith promise for a modification. After months of paperwork they forclose on us. Legal Aid advises of filing bancruptcy which I do. In bancruptcy XXXX sells the account to Green Tree which approves me for a modification in XXXX every payment is being paid. Green Tree hands us to Ditech LLC which is XXXX, but our payments are still being maid. The bancruptcy ends in XXXX of XX/XX/XXXXbut payments are still being paid no problems. XX/XX/XXXX my phone rings XXXX XXXX says you owe Ditech {$44000.00} how do plan to pay. I ask her how do I owe Ditech that money she says you have n't paid what I owe and my modification was never approved. I tell her I was told that thew bancruptcy paid {$29000.00} to XXXX XXXX, Green Tree and Ditech on top of us making our payments. She says I will look into it, on XX/XX/XXXX I receive 3 letters from Ditech that say that contact us for your past Due amount of XXXX. I have the bancrupty payments the Ditech mail delivered and the approval from Gree Tree. Also the first time I hear about past due amount is 3 weeks before selling my home on XX/XX/XXXX.
Citibank - had fraudulent charges on my debit card. We have been filing a fraud charge for 3 weeks and they keep losing the request. We have spent 4 hours on the phone, and then call back and no one knows anything about it. The charge remains and they refuse to assist.