WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm a Navient customer I went to XXXX College XXXX which lied to me about their accreditation. I did not find out that they were not accredited XXXX until I applied for my XXXX Degree at another University. I was denied due to the non-accreditation. Apparently, XXXX College was only accredited by XXXX at the time which most Universities do not accept. However, I was making payments on time for about two years on Federal and Private Loans. All payments were current and fully paid. Without my knowledge or approval Navient took my private loan from XXXX. I did not learn of this until I noticed that I was no longer receiving my billing statement from XXXX. I then made calls and was then informed that both accounts were being serviced by Navient and I was delinquent. I called Navient which worked out a payment plan to bring my account back to good standing. I asked for the XXXX seperate account number so that I could write a check to both accounts each month. Navient refused to give me XXXX seperate account number of both accounts. They told there was no need and that they would split the payment. I agreed and complied with their instruction to send a single check for both loans. A few months past and then again I was notified that I was delinquent. I called Navient again and they informed me that I had not made a payments on my second loan. I repeated to the representative what I was told me on the previous call, to send a single payment for both loans. I was then told that those were incorrect instruction. I told him in full and complete compliance of what the representative told me. I informed him that previous agent gave me disinformation and asked to remove all late fees, any penalties, and to restore the original interest rate. They refused. I asked for a copy of my signed contract and they refused. I was so angry I hung up and I refused to pay as I felt I was being taken advantage of and scammed twice by Navient and by XXXX College XXXX which claimed to have a 95 % success employment rate in the industry. These are all lies to steal money and entrap students in unfair high penalty loans. I can not find a job in the industry as I 've applied over a XXXX positions. This is really has destroyed my confidence in our society. I live in deep despair, mistrust, and hopelessness each day. I wish no one else to go through this.
This creditor is asking for a debt in the amount of {$390.00}. This is not my debt, asking for this debt to be remove from all  XXXX  major credit bureaus
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX to even begin on this complaint. This complaint is like many that we have filed against Nationstar over the past XXXX XXXX, filled with servicing and auction fraud fraud that the XXXX either seems unwilling or unable to control in this company. A purchase offer was received on this property in XXXX of XXXX XXXX As per Nationstars protocol, the property was run through its fake auction site. Nationstar had interior photos of the property but refused to show them on their wholly owned auction site XXXX. These photos would have illustrated the interior issues with the property and would have allowed for an informed bidding process by the general public ( which raises real ethical and legal concerns ). It should be no surprise that their auction winner cancelled their purchase after viewing the inside of the property and Nationstar refused to counter the original buyer ( a buyer who had seen the inside of the property prior to making their offer ). As usual, it was made very clear to us that Nationstar was more concerned about earning a 5 % buyers premium on the auction transaction than actually mitigating loss for their investor. After their first buyer ( through their fake auction ) cancelled we asked two questions -- - would you counter the original buyer they answered no and second, would you like pictures of the property to add for the follow on auction -- - once again, they refused to inform the public of known material issues with the property prior to the auction. It should shock no one that there was not a bidder the second time around. Its sad, but they couldnt even get the property address correct on the online bidding platform. Their only remark was to cancel the short sale still refusing to counter the original buyer as they knew that they could now not receive the 5 % buyers premium. <P/>
I realize that some XXXX XXXX from Nationstar will claim that none of what we are saying is true. But for the XXXX to honestly believe that the thousands of mortgage complaints that they have received from consumers about Nationstar are untrue is fantasy at best ( they are actually changing their name later this XXXX as their brand is so tarnished due to continued servicing and origination fraud in hopes of fooling the general public ).
XXXX XXXX XXXX XXXX XXXX was the original creditor. I reached out to them and the manager at the time the alleged debt occurred. They did verify I did not owe them because of prior arrangements with the office manager which were in writing and verified with corporate. This collection has been disputed because it is not valid. I have repeatedly asked for the rent roll on my account. All documents from the alleged debt and reciepts of payments made on my account along with allocation of non returned deposits etc. The collection company can not provide this. They have failed to provide the oroginal date of collection and continue to change the date so as not to have to discharge from my report. This is illegal. It needs to be deleted immediately or I fear I will have to file suit for malicious debt collection on a debt not owed.
This is a formal complaint against BBVA Compass. I explained to BBVA Compass that I was a victim of fraud and the late payments that they continued to report on my credit report was not accurate and is a direct result from this fraud. BBVA has violated the FDCPA and the FCRA of reporting, they never contacted the credit bureau about this matter but yet continued to report this miss leading information. I explained to BBVA Compass the entire situation that when I purchase my XXXX XXXX from XXXX XXXX XXXX XXXX XXXX I signed a contract which we had agreed I was giving my XXXX XXXX   as a trade in. The dealer was going to take care of paying off the truck. I express to them that the payment was already due in a few days. They said to give a larger cash down payment and they will take care of paying off the truck. I received a call from the bank that my truck was financed through ( BBVA ) telling me about a missed payment. I started calling the dealer, the salesman that helped me and the finance manager were no longer working there. The receptionist that helped me said the dealership was under new management. This is only a few days after I called almost everyday trying to get a solution. I spoke to the new supervisor and he said he had no idea what happen to all the new contracts or actual truck. Time was passing by and the bank was calling me everyday and my credit was being ruined. My father and I went up to the dealership and was about to call the police and file a report about the truck I traded in being stolen since no one had any idea what happen to the contract or were the truck was located. After days and hours of trying to get this matter resolved the a new financial assistant got in contact with the proper people and a view weeks later the bank sent me a letter stating that the check was sent and the truck was paid off. But now my credit is showing missed payments that was not my fault. I have all the paper work and contracts I signed with XXXX XXXX that proves that they agreed to pay off the loan that same day. I will be glade to send BBVA this information as well.
My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from Portfolio Recovery Associates stipulate just that. So, if the debt is simply too old to collect, and the fact that PRA LLC shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.
I was late paying a XXXX Toll fee and after paying {$25.00} to the toll company I received a bill for {$77.00}, sent them a letter of explaination and they sent me another fine for {$70.00}, no explaination just a total due of {$140.00}.
I am a Bank of America customer, and I used my debit card for gas and there was {$1.00} hold placed on my account. When that transaction finally posted for the full amount, the bank rearranged the order of all my recent transactions which caused my account to look like it was overdrawn and then charged me a {$35.00} overdraft fee even though my account had plenty of money in it. At the beginning of the business day on XXXX/XXXX/15 my account was fine and when I informed the manager that the over draft jus showed up today he stated that the account was overdrawn on the XXXX/XXXX/15 but I just could n't see it. I believe this is an unfair business practice. To rearrange the order in which things post and then not even make it visible to me so that I can properly manage my account makes me feel like I 've been robbed. This should be fraud. This is the second time now they 've don'e this to me and they refuse to refund my money.
I sent a RESPA letter to SPS and called them regarding an inaccurate pay off statement and inaccurate statements. I called SPS and talked with XXXX XXXX and asked her : 1. Why the amount to reinstate my mortgage was {$450000.00} on my XX/XX/18 Statement versus {$260000.00} on my XX/XX/18 Statement. 
2. What is the recurring " Other Charges and Fees '' ( see XX/XX/18 statement ) of {$5300.00}. 
3. Why the historical past due amount for XX/XX/18 on my XX/XX/18 statement was {$3400.00} and changed to {$2400.00} on my XX/XX/18 statement. 
4. Why did my mortgage payment go from {$2400.00} to {$5300.00} on my XX/XX/18 mortgage statement. 
5. How do you justify charging a monthly mortgage amount of {$5300.00} plus {$5100.00} in Other Charges and Fees of {$5100.00} ( see XX/XX/18 stmt. ) for a total of {$10000.00} solely for XXXX.. 
XXXX ' could not answer the questions and their RESPA response did not answer the respective questions. XXXX stated that the statements were in error and were a projection. She went on to say that the loan had been delinquent for too long to provide an accurate accounting.
Bank of America charged a {$35.00} fee on a cash transfer -when there were available funds-, causing my account to drop into the negative. After contacting BoA, they admitted that yes, they applied this fee to a cash transfer when there were available funds, yet refused to return the fee. I went to management, and filed a claim through their process which they then denied. I have a copy of the online chat with their representatives and a screen capture of the charges applied to my account. I do not understand how this is not flat out stealing.
I was going to buy a car and I pulled up my XXXX XXXX, XXXX XXXX, Experian and XXXX credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports. 
XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX
On XX/XX/XXXX we discovered that Citibank had been charging us a monthly fee for debt protection, a service we did not sign up for or agree to. We have been card holders since XX/XX/XXXX and we have been told and confirmed through statements that this was added in XX/XX/XXXX.  Citibank has called their debt protection at least 5 different names since this started. We have not missed a payment nor received any benefit from this program. 

Since the discovery of these fees, we made an immeditate call to Citibank that were less than helpful as they said we would have to talk to XXXX and issue a complaint. We asked them to immediately stop what we learned was an optional service. Three calls later, they finally discontinued the charge moving forward. When we asked about our refund of the fees that totalled {$49000.00} and the interest that added {$30000.00} we were told that since we were under the protection of the program these were non-refundable. 

We did not sign up for the service, they imposed it. We have since discovered that there were several cases against Citibank for unfair and deceptive credit card practices. 

We are seeking the process to get our money back. We did not sign up for this debt protection and we were certainly not contacted about any settlement. Yes we should have read and questioned each statement, but for the first 7 years of having the card there was no debt protection. These fees were posted in the same columns at the fees and interest, very misleading. 

The most frustrating part of this dispute is Citibank 's process. We have been bounced around from call center to call center, with the standard response of we can't do anything or see records. First we were told they submitted/entered a dispute request on our behalf, then we were directed to email and finally told to right a letter and wait 30 days. All the while Citibank is making 16.5 % on the balance they have created over 14 years. They imposed these charges, we did not seek or benefit by them.
On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that that is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of Equifax, XXXX and XXXX. There are laws and I have rights and I ask that this negative paid as agreed XXXX balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal from my report,
My credit report has an address on there that does not belong to me. I've spoken to an agent three times and also sent a fax requesting the correction to be rectified three time on XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/2018 along with document of my driver license and social security card and yet the information has yet to be corrected. In fact, the correct address was deleted and the incorrect addressed remained after the first fax request which prompt me to send out additional request for the correction. After speaking to 3 different agents along with sending 3 fax request you would think the information would be rectified promptly!!!
I have XXXX FFEL Stafford Subsidized Loans in default. Both loans were for {$5500.00} and I owe {$3200.00} on XXXX ( {$88.00} outstanding interest ) and {$3200.00} on the XXXX ( {$100.00} outstanding interest ). I could only find out this information on the federal student loan website. XXXX apparently owned both loans at some point, but they show XXXX loan as transferred and XXXX loan as paid by XXXX XXXX. On the federal site, one shows that Nelnet has it, but when I login, there is no information and no payment due. The other shows that it 's all still with XXXX, but XXXX website shows it 's not. I moved in 2011 during an economic hardship forbearance, and I never got any more information on repayment. Since then, I 've been trying to track them down, and I STILL ca n't figure out how to repay everything. I need some sort of straightforward information, and when I logged on to Nelnet, none of my information comes up or any amount due or how to repay it.
From  XXXX  We have a working relationship now. However, I was asked to file this report.    Wells Fargo  kept charging me {$30.00} a month for each business account when it was supposed to be free. The accounts were opened in  XXXX   XXXX , NV where I had my  XXXX    XXXX   XXXX   XXXX  . I live in California. No matter where I called to straighten it out and get credited, it did not fix. First of all they claim they can only credit back 3 months. I first noticed it after {$800.00} was dwindled down to nothing.     I dro ve t  XXXX  hours round trip to  XXXX  to get this problem fixed, same result. When I asked for help in  XXXX , California on  XXXX   XXXX , they said we have to close the account and make a new account to fix the problem. Of course each checking account comes with a separate savings account. So they changed it to {$20.00} a month fee but told me it was free. Later in  XXXX   XXXX  I asked for help. I went to the   XXXX   XXXX   XXXX  and  XXXX  locations. The same thing happened reopen another account and another and another. I dont even know how many times this went on. For sure more tha n 4 ac count changes for  my two business checking and two required  business saving accounts in just the city of  XXXX   XXXX . Now I have a free account only I have {$150.00} Tranfer into savings and the next day transferred back {$150.00} to checking and I have to have bill pay active or they will have a fee. Another option is to have a huge daily average in the account at all times. I am not doing that. Last week I asked a couple questions and they gave me wrong information.
there should be a catagory for ''CREDIT REPORTING CRIMES AND FRAUD '' this would explain chexsystems making bad reports on my good name WITHOUT HAVING ANY TANGIBLE PROOF OF ANYTHING, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND they send me a letter i have a ''consumer file '' how did that XXXX  happen? I am not thier comsumer, can i see evidence that im a consumer of chexsystems? SHOW IT TO ME, AND WHO THE XXXX MADE ME A CONSUMER NUMBER WITHOUT MY CONSENT? AND THIS IS A CRIME FOR SURE, LET ME GET THIS STRAIGHT FOR THE UMTEENTH TIME, IM NOT YOUR CONSUMER, IM NOT YOUR MEMBER, IM NOT YOUR CUSTOMER, AND YOU CAN NOT HAVE MY SOCIAL SECURITY ACCOUNT ACCESS, ITS A TRUST ESTATE ACCOUNT AND I FORBID XXXX   TO ACCESS IT, AND NO IM NOT GOING TO VISIT YOUR WEBSITE BECAUSE I DO NOT HAVE A CONTRACT WITH YOU CRIMINALS, AND IM NOT GOING TO CALL YOUR XXXX XXXX ON THE PHONE WHICH ASK ME FOR PERSONAL INFORMATION WITCH IS NONE OF YOUR XXXX  BISNESS, I WANT TO KNOW ALL WHO YOU ARE REPORTING FOR AND I WANT FULL DISCLOSURE OF ALL REPORTS WHICH YOU HAVE FAILED TO DO OVER THE PAST YEARS AND COMMITTED MORE FRAUD AND CRIMES
My complaint involves XXXX XXXX XXXX in XXXX. I applied for an auto loan through XXXX, and shortly after I received a call from XXXX XXXX ( not sure of spelling ; her direct line is XXXX ) at XXXX XXXX ( XXXX of XXXX ) preferred dealers. I was told that I had been approved ( APPROVED, not PRE-APPROVED ) for a {$35000.00} car loan with no money down, but they could only discuss details such as LTV ratios or interest rates with me in person. She assured me they had a lender with an approval. I arrived at the dealership, and was immediately asked to fill out a credit app - I was told this was to make sure I was who I said I was. They ASSURED me that they would not run my credit or submit to any banks. Then they appraised my trade and the sales guy said he could n't tell me how much they were offering because his boss keep that all secret. Next, they tell me I can no longer get the used XXXX I wanted due to the LTV and would have to get a new Altima. At this point I had to get back to work, and the plan was for me to return to the dealership around XXXX to finalize the paperwork. At XXXX, I phoned the sales man, and he refused to tell me anything at all - not how much my trade was worth, or even a range of what my monthly payments might be. It 's an XXXX drive from my office, and I smelled a rat, so I decided not to return. I just got home from work and saw that the dealership out about XXXX hard inquiries to banks while I was in the waiting room earlier in the day. What a scam. They lied about the loan approval for the sole purpose of getting me in the door ( over an XXXX drive each way ). It appears to me they are running a special finance cattle call. 

Deceptive Trade Practices & False Advertisement - They never DID have a lender or an approval. My guess is they lied to get me in the door and figured they 'd find a way to sell me a car once i was physically there. 

Truth in Lending - They submitted credit applications to over XXXX banks. I 've asked for copies of what they sent to the banks regarding my applications, and was refused access. I am accusing them of submitting false credit applications on my behalf.