WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX at XXXX EST I received a call from D2 Management Collections Firm from number XXXX the woman stated she was calling about a debt from XXXX. I asked what date and she became audibly annoyed and said XXXX. I disputed the validity and asked what specific date and she said XXXX, XXXX, XXXX and then she said " SIR, we've talked to you about this before '' I said, " When did you talk to me? '' Concerned that my identity had been stolen because I've never spoken to this company and she said " You just need to stop asking questions and PAY YOUR DEBT! '' then she hung up on me. 
Confused by the treatment I called back at XXXX and was hung up on. I called back at XXXX and was hung up on. I called back at XXXX and asked the person who answered the phone to please not hang up on me that I need to speak with a manager. I was transferred to XXXX and I explained what happened, he said he would look into it. I asked that he pull the recordings so they are available to the CFPB because there was absolutely no warrant for the way I was treated and abused. Additionally, she legally could not demand I pay after I disputed the debt. The company 's other employees perpetuated the harassment by hanging up on me. It was so shocking and confusing WHY I was being treated this way for asking questions.
I had multiple conversations with navient XXXX where I was told my consolidation would remove the past due snd negative history of my credit bureaus. This did not it help XXXX. NOT only did this not happen but it too they sold or had a 3rd party collection agency calling me telling me I was n't eligible for consolidation. this was very very confusing to to get conflicting stories from XXXX different agencies. When 's i findlky got my consolidation done the monthly payment was {$200.00} more than what I agreed earlier to. I am requesting that my credit bureau be corrected. Asap
On XX/XX/XXXX we received notification from XXXX XXXX XXXX that our mortgage was being transferred to XXXX XXXX. In XX/XX/XXXX we sold our home. I have been trying to obtain my 1098 from XXXX XXXX to submit my taxes. The amount in question is one month of interest When I tried to contact them I was redirected to a company called Mr. Cooper. I contacted Mr. Cooper on XX/XX/XXXX but was told by the representatives there that they could not find my account. I faxed them the notification letter and the my escrow disclosure statement hoping it would help them locate the information. When I did not hear back from them, I followed up today but was told that they did not have access to my account information. I asked if they received the information I faxed earlier in the week and was told they could not access the account information. They suggested that I should contact XXXX XXXX  which I did, but was told that they only had information from the point of the transfer. I have received my 1098 from XXXX XXXX. 

XXXX XXXX suggested I notify you to see if you can assist in any way. Please advise.
XXXX XXXX XXXX XXXX has reported two different accounts on all three credit reporting agencies of which one account is completely FALSE!! They have one account stating that I have three different episodes of 30-60 times lates which they have verified that I dont.
Account for old car loan that that was paid off has many things on my reports inaccurately. Disputed info over 30 days ago with TransUnion and XXXX.. I want to have this account removed from reports. Have screen sots and copies of all inaccurate negative items.
Claim number XXXX XXXX XXXX XXXX XXXX This complaint has been sent to you many times and last time on XXXX/XXXX/2015 XXXX XXXX but is still ignored! 

You have from me many documents which are proof that people from XXXX XXXX are cheaters and you as bank are doing bad job in XXXX cases with : 1. XXXX ( XXXX. XXXX XXXX - XXXX ( XXXX XXXX. 
You promised me that you will resolve XXXX cases within 30 days, but you lie to me. Now is 2 and you did nothing. I try to resolve it but they play with me. 
Now attached are document which I sent you few times already, but are new proofs that they lie and cheating me. 

You sent me documents with note that you do not discriminate me, but I have other filing. I sent you complain in this case that one of your baker called to your " specialist '' and he refuse to help me. 
Your work in these cases is also far from your duty. You should read my letters carefully. In next complains you will have proofs of discrimination. 
I want you to immediately withdrawal {$2000.00} from XXXX cheaters and send me the money back on my account.
Father diedXX/XX/XXXX XXXX XXXX, has a Wellsfargo Checking and Savings account, I XXXX XXXX  am the daughter and trustee, ( see proof ) went into Wellsfargo bank in XXXX   Ga said cant give money!!!!!! I am the trustee see proof! And Mr XXXX was a veteran!
I am currently enrolled in an IBR plan. Navient has gradually decreased the amount of months from 12 to 9 in my plan. For example, my current payment plan began on XX/XX/XXXX and I needed to reapply for IBR by XX/XX/XXXX. I was recently contacted by Navient telling me that I need to reapply by XX/XX/XXXX and that my current payment plan is being " phased out '' and that it will end XX/XX/XXXX, almost a full three months ahead of schedule, and that if I ca n't complete my taxes in time for the IBR calculation my payment will nearly double, fines will assessed, and interest will be capitalized. I told the representative that I understood while I need to reapply for my IBR plan every year, each yearly calculated payment schedule was for a full 12 months and that Navient has been decreasing the payment window and making me reapply every year sooner and sooner. She told me that Navient is trying to " phase '' out the plans and that there was nothing she could do to restore the payment window or move the date for reapplying. When pressed for what I would be fined for, she told me that it was associated with " the cost of moving you ( me ) to a new repayment plan '' and for failing to properly provide required documentation for my current plan. I have no problem making payments for my student loans, but I 'm getting very frustrated that Navient is trying to both cheat the system and trick me out of IBR and collect higher payments. I am XXXX, and while both my accountant and I have started in XX/XX/XXXX on my taxes, they 're usually completed by the XX/XX/XXXX and they 're far from simple. The representative said that my income information must be verifiable, e.g. the IRS needs to have my tax information in their system by XX/XX/XXXX, otherwise I will be " kicked '' out of my IBR plan. It should n't be this hard for a borrower to follow the rules and be told incorrect information. If necessary, I would be very happy to forward to you the emails from Navient detailing the change in dates and payment schedules or to discuss my case with you.
Not applying whatever payment I send to my account. Holding it so that a full amount is received & then posting it to my account.
1. Unable to deposit money into my checking account at USAA. The mobile app will not work with my phone. The web dept has downloaded/hacked into my phone with malware preventing features on my phone from functioning properly. Some of malware caused my phone to overheat and drain battery. It also destroyed some data and applications on my phone. I no longer have conference calling feature. 

2. When I made complaints on community forum, as recently as last 4 weeks ago, banking dept and web support deleted my on line complaints to censure my free speech and due rights under the Bill of Rights and Constitution that I fought for while in military. 

3. I was injured on XXXX XXXX, am 100 % XXXX and injuries are 100 % service connected. Yet USAA will not allow accommodations under ADA. Accomodations dept will not return calls nor answer my calls. 

4. Because I have been unable to make deposits to my account USAA banking has imposed several NSF charges against my account and charged hundreds of dollars in fees and refused to make accommodations even though I am a senior ( 66 years ) with documentex neurological dysfunction as part of a service connected XXXX and have memory loss. Instead of assisting me they are stealing my money and using my XXXX against me, acting as a sreet thug would preying on XXXX seniors. The CEO 's office has been directly communicated witg conerning all above issues and refused to intervene. 

5. USAA refuses to comply with California law requiring all foreign corporations to maintain a local agent for service of process so that we can bring suit in California for state law violations, including fraud, breach of contract and failure to follow banking regulatuons. USAA had destroyed my cell phone and refused to repair and process insurance claims. 

6. Banking Dept at USAA has lied to me, hung up on me, refused to accept my phone calls and deleted my online complaints about above issues even when I was trying to report stolen wallet and credit cards and fraudulent transactions.
I checked my credit report on last week of XXXX 2016 and found out most of the hard inquiries in my EQUIFAX report are fraudulent and NOT mine .On XXXX 2016, i faxed a letter of request to equifax to remove those fraudulent inquiries and I did also called 2x for follow up but the customer service thats I spoke with doesnt want to removed them. She want me to sign up first w/ equifax credit monitoring then she will help me if i sign-up. I think this is an unacceptable form of treating people if they will not agree to pay for equifax monitoring services.
This debt was included in a amortization of debt. We filed in XX/XX/2018. And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified XXXX XXXX in XXXX about the plan and did accept the agreement. This account should be current since XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way XXXX XXXX  is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from XXXX they claim they are correct. Not true
I noticed some discrepancies on my credit report in which i disputed it with the credit bureau XXXX, Transunion, and XXXX. They made claim that the accounts are verified and left the accounts still reporting on my credit report. I asked " how did you verify the account? " they replied back with " we send an email to the collection agency and if they reply back it's yours then we take their word for it ''. Wait i thought you were suppose to have physical proof on files to verify the accounts in dispute. XXXX, Transunion And XXXX made a comment and said of i want the physical proof i have to contact the creditor. That is not my job. That is yours to verify through PHYSICAL DOCUMENTS to ensure the accounts you are reporting are actual factual. Other wise anyone paying for your reporting services can mail fax email in a fraudulent account. I here by request Transunion, XXXX and XXXX to verify through physical documentation the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX. Please send to my physical address on file the actual proof you have in your files to prove these debts are mines. If you do not have physical documents on file please respond to this CFPB complaint stating such. I do believe no one is doing there jobs right and if i don't get the proof i need i will file a lawsuit against XXXX.
I was contacted by my credit union and told a check that was paid to me had been written on a closed account. The agent worked in collections for Navy Federal Credit Union. The agent advised me that I would need to repay this check. I informed her that I also had lost out on this project and if it would be okay to make payments to reduce my balance. She said that this was okay so I paid XXXX on XXXX/XXXX/2016. This was the same day she called. I informed her that I would make another payment around the first that I had to try to secure payment through my child support payments. My balance was XXXX We both agreed that we would tough base around XX/XX/XXXX to make arrangements for another payment. On XX/XX/XXXX I missed a call from the agent because I was at work and could not answer the phone. Once I arrived home I went to do my monthly budget to try and make some sort of payment when I noticed that XXXX was missing from my account. I immediately called customer service were I was told the agent had submitted notes on XX/XX/XXXX that I had agreed to her taking XXXX from my account. This of course was not true and the last I knew my balance was only XXXX. I asked for funds to be reversed because this was part of my rent payment that comes out of my account on the XXXX of every month. I was informed that their hands were tied.
In XX/XX/XXXX XXXX XXXX sent me alert that Navient placed 3 delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called Navient and set up a payment arrangement on 3 of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from Navient to call. At first he led me to believe he was going to get the 3 negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently lost his job. In XX/XX/XXXX I applied for Forbearance with Navient and was approved. Navient led me to believe ALL of my loans were in forbearance, however XXXX XXXX advised me 3 of my private loans were n't looped into that forbearance. Navient never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of Navient never followed up with me, and I had to call him on XX/XX/XXXX to see what had happened. I was told when setting up the payment plan in XX/XX/XXXX to write a letter to Navient 's credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that Navient correct the inaccurate reporting.
PennyMac took my XXXX XXXX mortgage payment of {$1600.00} and applied it to late fees and then put the rest in escrow. Then they reported my mortgage as being 30 days late causing my credit score to drop XXXX points. When I called them on XXXX XXXX, XXXX, the rep I spoke to acknowledged what they did, apologized and said she would fix everything including reporting to the credit bureau that I was never late. All she said was I owed {$180.00} in late fees which I paid on the spot. I could hear her boss in the backroom agreeing with everything she was saying to me. The next day XXXX XXXX I paid my XXXX payment of {$1600.00}. That afternoon I started receiving calls that my mortgage was late and I called them back every time. They called on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and now today the XXXX. Every call was XXXX plus minutes long stating everything that was taking care of on the XXXX XXXX call. Everyday but today they have said oh ok, we will make a note of this and it will be fixed. With the exception of today, today the rep tells me, that the conversation never happened on the XXXX even thought I asked her several times to review the recording tapes and that I still owe {$1300.00} for XXXX payment. 
Obviously no one there knows what they are doing and as the customer I am getting the raw end of the deal. 
The women I am speaking too now is telling me I am wrong about everything and I owe an additional {$1300.00} before all this will be fixed. So now the payment I made for {$1600.00} for my XXXX payment was again applied to late fees. 

This company obviously does not know what they are doing and should not be handling my mortgage.
XX/XX/XXXX, I fell victim to an e-check scam. USAA Federal Savings Bank assumed I was part of it. After 19 years, they assumed I was a criminal. 

The scam started on XX/XX/XXXX. A person claiming to be from the human resources department at the XXXX XXXX contacted me. She said I was shortlisted to interview for an available position based on my talent.hubstaff.com resume. I did n't recall applying for the company. However, after an exhaustive year looking for a permanent position, I let this slide, along with her XXXX address. 

I followed the instructions, and used my XXXX address to contact a supposed XXXX XXXX Hiring Manager via XXXX. This did not appear out of the ordinary. In looking for remote work, other companies mention XXXX for communicating with virtual staff. The hiring manager said to meet her at XXXX PST the next day. 

We met as scheduled on XXXX. She told me more about the Content Manager position and the XXXX XXXX. The job description was comparable to other companies and her details of the XXXX XXXX matched the company 's website. Then, she asked several interview questions. I assumed this was the first stage, so I did n't find it odd. When she came back 25 minutes later and said I had the job, I was incredibly shocked. Even the most menial remote position had steps. Nonetheless, I allowed myself to believe it was true. 

She asked me to verify full name, provide my address and began to discuss payroll. This is how she learned I banked with USAA. 

We met back on XXXX on XX/XX/XXXX. Around XXXX, I received an email from a supposed XXXX XXXX supervisor, complete with a XXXX-page offer letter, company code of conduct, XXXX and XXXX forms. About an hour later, I received the email with an e-check for {$4800.00} to buy my laptop from an approved vendor. I was to deposit the check using a mobile app. 

Since they were giving me money, not requesting money, I was n't suspicious. Plus, I 'd been using mobile banking for years. I took a photo of the front, the back, then made it to the verification screen. It stated {$200.00} would be made available immediately, and the remainder in 7 days. Still believing it was a legitimate job, I did NOT press submit. I thought the long hold would delay training. However, USAA Federal Savings Bank ceased doing business me within an hour. When I asked for an explanation, the manager alluded to fraud, yet would not provide specifics. 

Luckily, a XXXX search lead me to an article that exposed the full scam before I completed those " new employee '' forms. I told the fake hiring manager I would not be moving forward and blocked her on XXXX. I saved all correspondence for reference. In addition, I filed a complaint with the FTC, and notified XXXX support so others might be protected. 

Meanwhile, my relationship with USAA Federal Savings Bank is a nightmare. I never received anything in writing, so the only way to learn about this process is by calling. What 's more, the empathy and information vary each time. From what I 've gathered, my account is in credit-only status. It will be cashed out 60 days from XX/XX/XXXX, and the fraud department 's decision is final.
I have had an account with citizen 's bank for over 20 years. I have direct deposit for my social security check scheduled for the XXXX Wednesday of every month and pension check deposited on the XXXX. Twice now, checks that were deposited in the back the day of the social security check came in was flagged for insufficient funds and I was charged {$35.00}. The money is on deposit at XXXX so I do not know why I was charged. There was money in the account to cover the check. Another time, I overdrew the account by {$2.00} and had {$400.00} in the same bank but I still was charged an additional {$35.00}. They " improved '' their web site and I had trouble navigating it and had reported my problem. ( I a XXXX years old ). They said I had to link the accounts yet, I could n't figure out how to do that. Lastly, after the last {$35.00} charge, I changed banks on XX/XX/2017. Even though my deposit was made on XX/XX/XXXX and there was plenty in the bank to cover the check that came in the same day, I was charged another {$35.00}. When I complained, they put an additional penalty of {$30.00} as a " service " charge and said I could not close out my account until the charges were paid.
In  XXXX  My husband consolidated our student loans who were w ith   XXXX   XXXX    now sold to Navient.. At the time we secured the loans we were charged 9 % interest. So on  XXXX / XXXX / XXXX  we began paying extra on our loan to apply to the principle since it was taking so long to pay off. in  XXXX  of  XXXX  I found that none of your extra payment were applied to principle. When I inquired I was told that if there was still interest due nothing would be applied toward interest until interest was pay off. In addition since we were about to retire we looked into the public service forgiveness program. We both worked in the fields required for this program. My husband fo r the City o f  XXXX   XXXX  and I worked as a  XXXX   XXXX . We filed the necessary paper work had it approved by our employers and submitted it to Navient. in  XXXX   XXXX  we both received letters fro m Navient stating that we did not qualify for the forgiveness program with no explanation why. I then called Navient and was told that Stafford loans did not qualify for the program. We have paid on this consolidated loan for many years and am convinced we have repaid the actual amount many times over.
After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro XXXX compliant in the verification of their consumer credit reporting as detailed in the description of XXXX ( their web based automated verification process ) Their exact XXXX  definition ( per http : XXXX XXXX is that " XXXX is a web based metro 2 compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX XXXX which I disputed with them on XXXX XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro 2 and the FCRA standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro 2. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.
On XXXX XX/XX/ 2019, {$470.00} was sent to XXXX XXXX with the email address of XXXX via the XXXX App hosted by USAA bank. I purchased a dachshund puppy from a person who told me his name was XXXX XXXX from phone number XXXX. 

On XXXX XX/XX/ 2019, the alleged shipper with an email of XXXX called me from XXXX ( XXXX, NJ ) at XXXX XXXX  telling me that the puppy required a specific crate and demanded I send them {$600.00} ( only through XXXX ) or else the puppy would die. 

I told them immediately that no legit company would ONLY allow payments through XXXX and that this is a scam. They continued to attempt to persuade me but I said no way you people are awful and ended the phone call. The individual who promised me a puppy that I paid for has continued to harass me regarding paying for this fraudulent shipment of a nonexistant puppy which I found out this scam is common, unfortunately, and there is a website devoted to warning people, but unfortunately I learned that too late.