WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I am the co-signer for my son 's private college loan and was frequently making payments to XXXX XXXX, now Navient. To make a long story short, XXXX I called Navient to discuss lowing my monthly payments from almost {$300.00} shared amongst XXXX loans and the rep wanted to know why I was paying so much anyway. She shared that XXXX loan payment was XXXX and the other payment was XXXX. I set up automatic payments through my online banking and thought all was well. XX/XX/XXXX, I began receiving harassing phone calls from Navient telling me both loans were behind and that the agent I spoke with XX/XX/XXXX provided incorrect information. On XX/XX/XXXX I spent over an hour with Navient and was approved to be placed in an extended program to lower my monthly payments to {$140.00} twice a month for both loans until XX/XX/XXXX. I thought all was well until XX/XX/XXXX I started once again receiving harassing calls from Navient for more money and I learned that the agent who enrolled me in the extended program on XX/XX/XXXX made a mistake in my banking account number so I was removed from the program without my knowledge, which made my loans even further behind. I spoke to a supervisor on XX/XX/XXXX who assigned an agent to help re-enter me into the program and I paid {$170.00} to bring both loans up-to-date. Today XX/XX/XXXX I received a letter from Navient saying I again was kicked out of the program because the XX/XX/XXXX payment was not received even though there was knowledge their agent made the mistake. The agent requested I bring both accounts up to date and that the {$140.00} agreed upon XX/XX/XXXX was incorrect. She offered to put me into another program but wanted me to bring the loans current. At this point, I 'm afraid to do anymore business with Navient due to all the incorrect information provided by the agents. This agent even told me that the previous agents I spoke with maybe no longer works for Navient and that they did n't have the proper authority to place me in any programs ; possibly they no longer works for the company. Something shaddy is going on with this company and I am reluctant to do anymore business with them until somebody looks into their practices. I would like to for once speak with someone about my payment options to bring my loans back in good standings but I 'm afraid to do business with Navient.
Thi s Compliant is being sent to AFNI, INC in r esponse to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices A ct, 15 USC 1692g  Sec . 809 ( 8 ).  I NEVER established a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,   XXXX   and  XXXX   ) t his action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office.
Flood insurance claim check being held too long from Ocwen mortgage services, LLC. 
Over 2 weeks. 
Am I allowed the interest made on my claim money?
I went to a credit union to apply for a loan. My credit score with Equifax was XXXX. However, I noticed that my total Available Credit ( AC ) was {$750.00}, and my balance was {$290.00}. At that time my AC was {$1200.00}. My unsecured XXXX XXXX card for {$500.00} was not on the report. ( Now my AC is {$1900.00} ). The {$290.00} is way over the recommended 33 % of {$750.00}, which hurt my score. Having this corrected would get me a higher loan with a lower interest rate.
I rent XXXX house XXXX my husband like 4 years ago and XXXX company send me to collection and my husband pay months ago and and still have the open account in collection i call the company of collection they telling me that is going to be removed call back in one month and is the same thing and i call yesterday and again now they tell mi the XXXX is going to call you back and nothing this is the receipt Capital Accounts XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Original Creditor : XXXX XXXX Homes Current Creditor : Capital Accounts LLC Account Number : XXXX Current Balance : {$0.00} Dear XXXX XXXX : RE : Receipt for Payment This notice is to confirm that the above referenced account was PAID IN FULL/SETTLED IN FULL on XXXX Sincerely,
The company has failed to properly update my credit report to state that this account is included in a bankruptcy filed in 2012. They continue to report inaccurate information,
I am an Identity Theft Victim. My original FTC document was XXXX to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX {$4000.00}, HomeDepot {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX Card that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box.
I would like to make a complaint against Capital One Bank and their other division Capital One 360related to the transfer of my funds from a IRA 10 year CD to a IRA money market account. 

Around XXXX/XXXX/15 I mailed Capital One 360 the required form for a Trustee to Trustee transfer of the funds from a IRA CD with Capital One Bank that was maturing on XXXX/XXXX/15. 

On XXXX/XXXX/15 I called Capital One 360 to verify their receipt of the transfer form. They verified having received the transfer form and informed me it was signed, approved, and mailed to Capital One on XXXX/XXXX/15. 

On XXXX/XXXX/15 I called Capital One to see if they received the paper work from Capital One 360. 
I was informed they did not receive it and that the transfer form should have been mailed to Capital One not Capital One 360. I argued with the Representative that what she was telling me was incorrect and the form must be sent to Capital One 360 and they must sign it and then forward it to Capital One. 
She insisted that I mail a copy to Capital One which I did. 

In addition, on XXXX/XXXX/15, I called Capital One 360 and asked if they could fax the form to Capital One and they refused. 

On XXXX/XXXX/15 I received a message from Capital One to return their call. 

I called Capital One on XXXX/XXXX/15 and they inform me that could not accept the form I just mailed them because it was not signed and approved by CAPITAL ONE 360. which is what I tried to explain to the Capital One Representative on XXXX/XXXX/15. 

At this point I requested to talk to a supervisor at both divisions. 

After discussing what had transpired in the past it was agreed that Capital One 360 would fax the original form to Capital One today and confirm it by Email to me. Never received any confirmation. 
I would have expected at least XXXX of the supervisors ( XXXX ) would have folllowed up on my problem. 


Capital One said they did not receive the form from Capital One 360 because I had the wrong address of Capital One on the form, this is completely FALSE, because I put the address that Capital One gave me and is on all their correspondence XXXX XXXX XXXX XXXX. XXXX. In addition, if it was incorrect Capital One 360 should of corrected it. 

At this time I have no idea when I will have access to my money. 

Banks should be penalized for not making customers funds available because of their incompetence. 

My funds not being available when due has cause me major problems. 

I have another CD maturing on XXXX/XXXX/15 and because of the new IRA rules requiring trustee to trustee transfers for IRA rollovers. I would like written instructions from Capital One on how to get my money transfer to another institution on a timely basis. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX
XX/XX/18 XXXX XXXX XXXX IL : I was paying for tickets tonight ( {$220.00} ) from a guy I met on XXXX and it all seemed very legit. I used XXXX through my Wells Fargo bank app. I figured it was completely secure and Wells Fargo could solve anything if a problem arose. The guy was a scam so I immediately contacted Wells Fargo and apparently they could do absolutely nothing. That is crazy that a huge bank institution could advertise a company like XXXX but it not even be secure. It makes me want to switch banks! There needs to be warning signs or they should stop working with them! I hoped my bank could do more to help me because we have been with them for years and do a ton of business with them!
While on vacation in XXXX in XX/XX/XXXX, our credit card number was stolen and used to make purchases on XXXX and XXXX. Barclay Mastercard contacted me and asked if the purchases were mine, they thought they were fraudulent, and I told them NO they were not our charges. We contact XXXX and they confirmed that the charges were not ours and that they could see another person 's email account was used to make the purchases. Barclay took the charges off, then a few weeks later they sent a letter and said they put all of the charges back on our credit card. I have called them about 7-8 times and spoke with XXXX, a manager, and XXXX, in the fraud investigation. XXXX told me on XX/XX/2017 that he is a manager and would take care of the charges and make sure they are taken off. It has been 2 weeks and he never called back and has never addressed the issue. Everytime I call, no one knows what is going on and no one will help me. Attached is the contact name for XXXX at XXXX. XXXX XXXX Case # XXXX ; Fraud claim with XXXX.
I applied at XXXX in XXXX ar i traded my already paid off jeep liberty they were suppose to give me {$7000.00} for it in trade the vehicle i traded for was only supposed to be {$2000.00} more from that by the time papers were signed i had XXXX kids there for XXXX than when i went to the restroom they allowed a boyfriend to sign on my car i had no idea about it when i realized what happened i called the car lot and asked to void it all cause the price was n't what had been agreed on and his signature on my papers they said they already sold my car i was basically well lack of better words screwed. So i begin the ppayments i could n't afford than they allowed this guy to take my car and now want me to pay cause he hasnt
Ocwen Loan Servicing and XXXX both have committed years of fraud against me. Attached is email communication between my local district attorneys office and myself, Investigation. Ocwen Loan Servicing robo-puppet " XXXX '' is cherry picking email communication between Ocwen crooked counsel " XXXX '' and myself only to spin its cover up to the CFPB. its very difficult fighting a bunch of Ocwen scumbags when I am having multiple XXXX daily do to Ocwen Loan Servicing crooked robos overwhelming fraud abuses. Ocwen Loan Servicing and its robo-puppets keep harassing me, claiming I owe a debt with Ocwen when I do n't. I try and plead with Ocwen scum employees and explain to them that Ocwen / XXXX used fraud upon the court to phony up a pretender beneficiary judgement, using forged fabercated documents to bribe a bias judge to strip me of all my rights. I demand scum Ocwen lawyers to have XXXX VP XXXX call me to discuss XXXX/ Ocwen Loan Servicing ongoing fraud abuse which has caused me serious health troubles,
my wages are being garnished for a debt that is not mine.I have received credit reports from XXXX, XXXX XXXX and this account is no where in my credit reports.After reading the writ of garnishment I noticed that the social security number *********** had been crossed out and my social security number *********** had been handwritten in.This is not my account and I feel like a victim to unfair debt collection.
On XX/XX/XXXX I found out that my XXXX Credit Card limit had been dropped from {$1800.00} to {$100.00}. I had just completely paid off the credit on XX/XX/XXXX. I have never missed a payment, never been late, yet my reward for paying off my credit card was for XXXX XXXX. This is actually the 2nd time XXXX XXXX has done this to me. On another account they lowered my limit from {$2500.00} down to {$1500.00} even though again, I have never missed a payment, and that card was completely paid off. My credit score is at the exact spot it was when XXXX XXXX issued the cards to me.
I have been making regular payments of {$25.00} to XXXX XXXX for purchases from XXXX XXXX. My payments are on time and regular, but I have made frequent payments early in order to co-inside with my Social Security paycheck. My payments are due on the XXXX of the month. They have been crediting my early payments to the wrong month and then charging a {$38.00} late fee for the month intended. It took me a while to finally figure out what they were doing and I now owe {$150.00} in late fees and other fees. I have made 12 payments as of XXXX XXXX. I have never been late or missed a payment. I do not have this late fee money and do not think I deserve to be charged.
XXXX ( Student Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( Student Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XXXX. A detailed debt validation letter was sent on XX/XX/2018 XXXX XXXX Certified Mail, reference # XXXX XXXX. 
There is a violation due to lending practices of XXXX as stated per CFPB vs XXXX. Until there is a finalization of the current findings of violation, XXXX should not report any accounts of fraudulent nature to all the credit bureaus.
XXXX Account # XXXX was opened onXX/XX/XXXX The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( XXXX XXXX and Equifax ) in XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like me.
I have a big problem that I'm encountering with. So a university 's cashiering office in XXXX, VA claims that I owe the debt to the school. But I claim that I don't them money. Same thing with this debt collection called Todd, Bremer, and Lawson. They were begging and keep asking me like threatening me that they want the money amount from me. I don't have enough money to cover that amount. This has been going on for months since XXXX or XXXX of 2018. I may feel that both are gon na file a lawsuit and pressing charges against me in court. Am I protected under the FDCPA? I don't know if I'm gon na go to jail if I don't pay the debt to the university cashiering office and Todd, Bremer, and Lawson agency. They also were keep calling me and sending me letters about paying up the debt, but they also begged as well. I'm trying to resolve this issue, but it didn't work for me. Both have all of my information such as address, email, phone number, and other stuff on file just like looking into my information. I want them to remove all of it for good so I won't receive anything in email or mail. I don't have enough to pay the debt, they were begging me and I don't have a job that I'm working.
When the XXXX breach happened, it was recommended to put security freezes on our accounts with the big 3 credit bureaus. Whereas XXXX and XXXX allowed this for free, TransUnion wanted {$10.00}, but they would put a " Security Lock '' on my account for free, so I did that. Upon attempting later to remove that lock, the online TransUnion account that it had me set up, would not allow me to remove it, only to change it to a Freeze for {$10.00}. I called the listed number. It took 4 separate calls to different numbers. Each time, I was put on hold, then had to give all my identification verification information, then was told I needed to be transferred to another department, was transferred, put on hold again, then had to give all my identification verification information again, then was told I had to call a different number. Every time, it seemed I was getting to the same initial department, and transferred to the same second department. All were offshore call centers. On the 4th call, the second department successfully removed the lock. This was a very abusive experience.
I submitted a request for annual credit report via XXXX, a phone system that allows submissions to the three big reporting agency during a single call. On XX/XX/2017 at approximately XXXX pacific time I submitted each request while on the phone call and received a confirmation for each submission. 

Within 10 days I received my report from XXXX. 

After a month XXXX and Equifax have refused to supply the report. 

This has been the pattern for several years now AND XXXX and, particularly Equifax contain the most false information about me and provide the most resistance in correcting the information ( ie incorrect names, false addresses, false financial transactions ). These two companies draw this process out for 6 months and more.
this is the first time ive ever received my background check and i have never broken the law the misdemeanor in XXXX XXXX, Ia was done by someone who gave the police my information i know who it is because shes my sister she told me she had gotten it fixed 8 years ago but obviously from my background check she has n't i have contacted her and she has been willing to help with getting this corrected.
Bank of America NJ, continue reporting that I am a risk more than 10 years after I paid off all debts to them. And so could not get a bank account,  Apt   .  or buy a vehicle ; even though any fraud was discharged. At the time, a few of my paychecks bounced therefore a domino effect occurred. B of A blamed me solely, not the company I worked for. That being said, they subjected me to much ridicule. All while not communicating to me of the maximum damage they were causing a former good customer. Bank of America was a bank I opened an Account with while stationed on an   XXXX   XXXX   XXXX   in California USA, at less than  XXXX   XXXX   old    XXXX  .
I have a mortgage on my home, Wells Fargo acquired the mortgage from XXXX XXXX XXXX. The payment is due on the XXXX and late on the XXXX. I usually pay in advance. I mailed my XX/XX/XXXX payment on XX/XX/2018. The bank received it and processed it through my bank on XX/XX/XXXX. My checkbook journal says I wrote it for the right amount. Wells Fargo says the payment was short by {$100.00}. I can not verify this as the method Wells Fargo uses to process the check, something like a debit card payment according to my bank, means I can't get a copy of the check. Wells Fargo placed the entire payment in " unapplied funds '' on XX/XX/XXXX. Wells Fargo made no attempt to notify me of the alleged {$100.00} shortfall. On XX/XX/XXXX, the day after the past due date, Wells Fargo declared the entire mortgage payment past due and assessed a late fee of {$57.00} ( 57.97 % of the {$100.00} 's past due for 1 day. ) On XX/XX/XXXX Wells Fargo notified me by e-mail that the payment was past due and the late fee. I went to the bank on XX/XX/XXXX and paid the {$100.00}, the late fee was allegedly removed but it still showed on the account today, XXXX. I can not believe it is legal for the bank to hold my money and not notify me for 24 days so that it can assess a late charge, ding my credit and make it harder to get rid of them once and for all. Wells Fargo has my address, my e-mail address and my telephone number!
I have a telephone bill listed with the credit agency 's that is more than 6 yrs. old. However the company ( Credit Management , L.P. ) listed the bill as being from XXXX. I contacted them through email and requested a statement so I could pay the bill. I received a 50 % OFF DISCOUNT OFFER. I chose to accept the offer of {$120.00} and mailed payment on XXXX/XXXX/XXXX. The original account was {$240.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX ). To date the XXXX credit agency 's have not removed the negative information. Credit Management gave me a Reference # XXXX which I listed in addition to the above number on the XXXX XXXX XXXX XXXX. The reason I am now writing is because all the other bills I paid that day have applied to my previous balances, credit card, XXXX XXXX, etc. etc. BUT I do not see the credit company 's reflecting payment and a closed account. Thank You.
EOS COLLECTIONS IS CALLING MY HOME, WORK AND EX SPOUSE THREATENING TO TAKE LEGAL ACTION AND SEND A SHERIF TO ARREST ME FOR AN UNPAID PHONE BILL WITH XXXX WHEN I NEVER EVEN HAD AN ACCOUNT WITH XXXX ... .. 
I tried calling EOS who first said they were missing my social # then they called my mother 's house asking for my social or they would arrest me, mom gave them my social now they are reporting this erroneous collection on my credit report and calling at odd hours of the day with rude threatening language. 
I also contacted XXXX who had NO NO NO record of this at all and had NO idea who EOS was. Please help me stop this illegal operation of EOS this should not be allowed
In  XXXX  of  2016 , I purcha sed a log splitter from Home Depot. I applied for a credit card through Home Depot and was accepted. Hoping the information about the account would arrive soon in the mail but nothing happened. 6 months later I received a UPS delivery containing a letter stating that I was behind on payments and that I would need to bring the account up to date. I called the number on the letter which was from Citi bank and explained that I have not received any information on the account, there response was that they tried to contact me on my cell phone and my home phone. Both have recorders on them. I never received a phone call from anyone at Citi bank. the  original price was  XXXX  now it 's ov er 1600.00 they   say I owe. They asked for payment over the phone but I 'm not comfortable with giving my bank account number or SS number. when I decli ned Citi bank asked me to call another number and I did this morning which was another run around Citi then said to  call another number which was  XXXX   XXXX  which had no information under my name. I DO NOT KNOW THE ACCOUNT NUMBER signed : Frustrated
A man named XXXX from a company called National Credit Adjusters has called me to report a delinquent account on behalf of XXXX XXXX XXXX as an attempt to collect an alleged debt. I 've never applied for a payday loan, so I called XXXX and they have no record of me or an account in my name. I attempted to call XXXX back and continued to get voicemail. He later called me back from a different number in a different city than the previous call. I 'm sending a DN to the company. I highly suspect this is a fraudulent company. The original number he called from was XXXX and then XXXX.