WillisBack/dataset-financial-user-claim huggingface dataset:
Navy Federal credit union closed my credit card account while I was on XXXX XXXX status due to my past credit history which I tried to explain has since been improving and closing my card would actually hurt my credit score. I also explained to them that Ive been making timely payments so I couldnt understand why they would decide to close my account. It saddens me that a bank thats supposed to help military and uses military as a marketing scheme is actually a lie especially when Ive been a member for years and if they actually looked past my credit score would see that ive been making timely payments to all credit cards that I own.
We have tried repeatedly to get Navient to transfer our stafford student loans to XXXX because both my husband and I work for XXXX and would qualify for public service loan forgiveness, but each time we apply they deny us saying we did n't file the right paperwork or ignore us altogether. We have applied 3 times and twice they did n't even respond.
On XXXX at approximately at XXXX. I received a call from XXXX ( which is the name that appeared on my screen ). This man asked to speak to my daughter ( he did not identify himself ) and I proceeded to tell him that she did not live here. He asked if there was a better number to reach her at and I stated no. He paused for a moment and then said " XXXX '', it was very plain and loud. He then hung up. I called the number, XXXX and it was identified as Portfolio Recovery, a debt collection agency. I asked to speak to the Operations Manager or Compliance Manager. I spoke to XXXX XXXX, Ops. Mgr. I told her what had happened and she apologized. She asked that I call her back at her direct line to ensure she had all the info she needed. I called her at XXXX ext. XXXX and she answered and advised me that she had all the info to investigate. I asked if she pulled the call and she stated she had all the info. I asked that my number be removed and she stated that it already had been. At XXXX the same day I received another call from the same number but no one identified themselves and after a moment of me saying hello they hung up. I called XXXX XXXX back and advised her that they had called again and that she did not do what she stated. I advised her that I would need to contact my attorney and also file a CFPB complaint. Not only is this a FDCPA violation, but totally unacceptable behavior.
Equifax reporting agency breached in XXXX, not told of this until XXXX XXXX, 2017. Equifax indicates I had data lost during the breach. 

Unacceptable on a number of fronts some of which are : 1 ] Equifax 's own credit monitoring service did NOT report the breach.
2 ] Unacceptable accountability and responsibility on the part of the agency.
3 ] I wish I could have inside information like their executives so I could sell stock prior to the release of the breach information. Must be nice to sell your stock when the price is high.
I had received a medical debt from Remit corporation, I put in a dispute against them because it was a workmans comp claim, I then was contacted by XXXX XXXX XXXX who was also claiming the same debt. I filed disputes with both company 's and Remit Corp had it removed, I have made several contacts with XXXX and they continue to deny my request they are very rude and disrespectful even after I submitted the paper work to them. I want this debt removed based on that I XXXX her owe this debt or I 'll be filing a law suite !
I submitted several times to  XXXX  and Experian over incorrect dates used on credit report collection accounts  XXXX  accounts reported and  XXXX  wrong dates these are from healthcare related issues with daughter in  XXXX . Extremely upset as only accounts in collection and due to healthcare and I had credit insurance to make payments in absence of income and inability to keep income. They have brought my score down by reporting them from  XXXX ,  XXXX  and they are all  over 4 years old.
So on XX/XX/2018 I made a transaction over PayPal with XXXX XXXX for XXXX or {$120.00}. I have my transaction ID for it in hand. 

It was for a digital service however a few weeks past after that and I have heard nothing from him. I have repeatedly tried to get my money back but with no successful attempts. If I could get help in this matter I would appreciate it.
In 2009, I was informed by Citimortgage/Citibank via writing that they were foreclosing on my home. At the time I was several months behind, as the interest rate was 9.9 % as a result of ARM increase, and I could not make the huge payment. We tried to renegotiate and get back in good graces, but they would not budge from 9.9 %. We vacated the home, and they let the property sit for over 2 years, making us liable for taxes, maintenance, etc. and never followed through on the foreclosure with the Sheriff. The property was in limbo and I do n't think they even have paperwork as the loan was sold XXXX times in one year. They bore no responsibility financially for these expenses, forcing me into bankruptcy. I feel like they stole my home, my reputation ( resulting in job loss ), and my credit rating ... leaving me in shatters. There are still claims against us to this day ... and we can not seem to fight them off. Since then, I retrained my career, returned to employment, and we have rented a home closeby, and have been in good standing with the landlord for over 3 years. However, as I continue to reflect on what happened, I feel like laws were broken, and I was a victim.
I have a membership with XXXX, and on XX/XX/2018, I ordered my three credit reports and scores. Despite all credit agencies having the same account information, it appears Experian is disproportionally charging me with two erroneous delinquencies, thus unjustly impeding my credit score. It is clear by the 18 point difference between XXXX  and Experian. When speaking to the Experian representative on XX/XX/XXXX, she cited XXXX XXXX with account number XXXX as one of the erroneous two delinquent accounts circled on the enclosed page. Despite the other two agencies enclosed not citing any other delinquencies, Experian chose to cite this company even though it has not been servicing my loans for several years, and has been transferred and sold to XXXX. 

The customer service representative was abrupt and evasive when trying to explain why I was being treated differently than the other two credit boroughs. 

Finally, it is very disturbing that all three credit boroughs do not accurately reflect the number of my open accounts. I have only four open accounts ; two XXXX XXXX revolving accounts, a XXXX XXXX XXXX, and my current education loan through XXXX.
Bank of America has an option on their Automatic Payment web page that says in essence " if my bill is over {$1000.00} - do n't pay it. '' So you think you are setting up an automatic payment, when in reality you are actually telling the site to automatically not pay your bill. Then, when your bill is not paid, Bank of America charges you a {$25.00} late fee. This seems like a deceptive business practice designed to trick people into missing payments in order to generate income for Bank of America.
My identity was stolen in  XXXX   XXXX . It was not apparent to me that  XXXX  had been opened in my name until  XXXX   XXXX  when I was contacted by a debt collector. This same person has previously attempted to buy a car in my name from  XXXX   XXXX   XXXX  in  XXXX   XXXX . I filed a police report on her the day after she did so. After seeing the inquiry on my credit report I contacted the dealership to get all her contact information. I do not know this pers on (   XXXX   XXXX   XXXX   XXXX   XXXX  aka  XXXX   XXXX  ) and never gave consent to receive any services in my name.   I made  XXXX   XXXX   XXXX  aware of this and received no help.
I have filed several Qualified Written Requests and RESPA disputes with the XXXX major credit bureaus and with the original lender. When this loan was transffered to Ocwen, they were reporting an incorrect payment history and claiming that I owe late fees ( I was never late ). Now when I make a payment, they are still reporting me late every month to the XXXX credit bureaus, but I am not late. They want XXXX in late fees, which is robbery. I am trying to refinance my home and I can not get financed because of these inaccurate late payments reporting. When I call Ocwen, they can not help me out and tell me to file a dispute, when I file a dispute, they do not respond in the proper time frame. They are making it impossible for me to refinance to another company.
First Recovery robo-dials my home 1-3 times per day and has done so for the past month. They are trying to collect a debt for a " XXXX XXXX ''. We are XXXX XXXX and XXXX XXXX XXXX. The person they are looking for has never lived in our home or had our telephone number. We have had our telephone number for over 20 years and we are the original owners of our home ( over 15 years ). 

The robo-dial message says to hang up if you are not the person they are trying to locate. This is useless as it does not stop the calls. I pressed 0, to speak to a human and advised said human that we are not who they are looking for and to stop calling us. 2 days ago the company representative said she was removing our telephone number from the account. That was a lie, as yesterday we received more calls. Said representative also advised us to " go ahead and sue ''. 

Our question is how to we get this company to stop harassing us with their robo-dialed calls, what recourse do we have and can a government agency make them stop?
On or around the month of   XX/XX/XXXX 2015  I submitted a request for removal of an authorized user from my american express cards. The transaction was verified to be completed. The authorized user I had added and removed is now threatening litigation because of them not being removed, and  American Express  reporting information in regards to my card on the credit bureau. I have tried to obtain a clear path to send a written request, and they are not answering me with a clear process. I also have requested transcripts of all history of the account and they will not provide it to me. They will not help me with disputing the incorrect information.
I opened a savings and checking account at J.P Morgan Chase Bank ( XXXX XXXX location ). I wired {$230000.00} into the savings account # XXXX. About XXXX days later my personal banker called to tell me, and subsequently sent me a brief email which is attached, that he had received instructions to close the account. I received no explanation as to why only provided a phone number to call.I called that number and it was the Compliance Department. I asked to know what was found by their " back office team '' that made me unsuitable as a customer. I was summarily told that the information stayed internal and is not shared with the customer. As a consumer, I should have the right to know what information they sought, who from and to determine if it was accurate. I have no criminal record and nothing that I am aware of that would make my money less desirable than anyone else 's. What recourse do I have in a situation like this to remedy, mitigate or seek a copy of the review, to know they made a decision off erroneous information.
I received a call this morning from a restricted number where they informed me I would be receiving a summons notice between XXXX and XXXX pm. I was given a phone number to call for information regarding the summons and a reference number. 
The number is : XXXX. The claim it is from XXXX XXXX for {$650.00}. This debt is from 12 years ago and has been paid in full. 
They asked if I would like to pay in full or dispute it. I told them I would dispute and they said a summons would be coming later in the day and than they hung up on me.
Equifax refuses to remove these inaccurate accounts after 4 months of sending them the proof that they are repotring them as such. I require that they send me the physical court petitions that show EXACTLY what they are reporting or they need to be removed immediately. 

Please see letter attached along with proof on credit report that will show you that they are being willfully negligent.
I am trying to pay down my private student loans as quickly as possible. I take advantage of auto pay and set a higher amount to be deducted than what 's due each month so I can apply the extra payments toward the principal balance. However, after I set these amounts, XXXX XXXX/Navient continues to lower the monthly amount automatically deducted, without any notification. Every few months I have to call and make a request that the original amounts of my auto pay be reset. After many months of this pattern ( I have detailed notes going back to XX/XX/XXXX ), it is clear to me that Navient is reducing the auto pay amount so that less is applied toward the principal balance, therefore extending my payment length and they ultimately earn more money off of my interest rate. The differences between the set auto pay amount and what Navient actually deducts differ greatly. For example : On XX/XX/2016 I requested that my monthly auto pay amount for XXXX loan be {$500.00}. Now several months, Navient has the XX/XX/XXXX monthly auto pay set to deduct only {$380.00}, a difference of over {$100.00}. This unauthorized change to the auto pay amount elongates my loan payment period from 1 yr, 1 mths to 1 yr, 5 mths. This is happening on all XXXX of my private loans. Navient has not provided a sufficient explanation on why this amount keeps reducing. They are making it harder for me to pay off my student loans.
I have a card my husband is an authorized user I can’t get them to report it to XXXX XXXX or experian it was on there but they removed it for over the last 60-90 days I have been calling trying to get this corrected I have called no less than 10 times and each time I get a different story most ending with we will get these reported but yet they don’t and I call and let them know and I get no where I am told there is no one I can talk to who handles this we have advised them of the fair credit reporting act yet no one will correct this we have a consultation with and attorney due to these violation all we really want is to have this card reported to my husband XXXX XXXX credit like it is supposed to be we are trying to build his credit to buy a house but they just won’t find out what the problem is and fix it
On XX/XX/2018 I disputed with XXXX  XXXX, and XXXX on Santander Consumer USA, Account number : XXXX. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.
I withdrew XXXX from Coinbase at XXXX on XXXX XXXX 2017. It is now XXXX on XXXX XXXX 2017. The funds have still not been transferred to my bank account. The transaction shows as pending on their system. Coinbase have failed to respond to my requests for information.
National Credit Systems is refusing to remove a debt of {$180.00} from my credit report. 

They have been informed by XXXX XXXX the original debt holder that the debt was assigned to me in error. 

However, National Credit refuses to remove the debt or send me a letter acknowledging the company is removing the debt. XXXX has continued to send me letters about a debt of {$130.00} that has been removed from my credit report. 

Please compel National Credit Systems to READ this complaint and review the attachment and send me written notification that the company is removing the {$180.00}.
Every day the company XXXX has called me at different times. I had informed them to stop calling me because I have XXXX XXXX and XXXX XXXX. I also informed them that I am a customer with XXXX XXXX XXXX. They informed me that they do not care at all.
In XXXX 2017 my wife and I signed a contract with XXXX XXXX XXXX  XXXX to remodel our custom oak kitchen. The work was to include refacing existing cabinets and installing new doors and drawers, countertops and backsplash. We charged {$20000.00} thru XXXX XXXX card. The contractor has still not completed our work. Also the work that has been completed is unsatisfactory. We made several attempts to solve this matter with XXXX and have been ignored and left waiting for people to show up that never did. We have paid the {$20000.00} in full ( because interest free term is up next month ). We filed a dispute 2 times with XXXX XXXX/CitiBank and have been denied both times. We even asked them to send inspector to validate our claim. They chose to believe the contractor 's word. We have found out multiple people have filed the same dispute and were denied as well for the same reasons. Please take the time to review our case. Both XXXX XXXX and XXXX XXXX has our money and we have an unsatisfactory and unfinished kitchen. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
have not taken off chapter XXXX and chapter XXXX bankrupty which is 10 plus years old
I have my 30 year fixed mortgage at 5.5 % with Citibank. I have been a XXXX of theirs since 2008 and pay my mortgage on time every moth. Two years ago when mortgage rates dropped near 3 % I applied to refinance my mortgage and they said no. Why? Because my ratio did n't work for them. I had steady income, albeit not a great salary. I could have really used that break to help me put more away in my savings. I had quite a bit of savings and other assets. My friends whose salaries were very healthy took advantage of these great rates and they now they are sitting even prettier with lower interest rates and low mortgages but the folks who really needed the help were flat out denied. Citibank gave me a mortgage when I was unemployed in 2008!!!! My husband had just left with all of our savings and I was barely getting by on food stamps but Citibank wanted me as a customer and gave me a mortgage! I have never missed a payment. 

Shame on Citi. I would never recommend to anyone going with such a large institution with a very small heart.
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I am NOT in the collections process for ANY of my current debt. If I am, No One has made me aware of it. I have been getting these calls Only on my cell phone and very few people have my cell number as it is only used for an emergency or very few personal calls. If it were a legitimate debt then they would be contacting my by other methods as well, not just my cell number The calls have been coming in for about 4 weeks now and are from Aargon Agency telling me to call the person stating " They are a debt collector '' and to call XXXX and ask for extension XXXX. I have Not returned the calls and do not plan to without first hand knowledge of whom I am in collections for.
There is an unexplained charge of {$170.00} attached to my mortgage that needs to be removed. The company to me to have my lawyer explain it when I called. Unacceptable!!!
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with Equifax, XXXX  and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX ( XXXX XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX. Settlement agreement for the amount of {$800.00} made between XXXX XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}. Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments. My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018. I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please
This complaint is in regards to denied Price Match Benefits offered by CitiBank to its Credit Card customers. On XX/XX/XXXX, I was denied the Price Match Benefit that I believe should have applied to 3 electronic items that I purchased on XX/XX/XXXX with my Citi Double Cash MasterCard. I purchased each of the three items ( XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX ) at {$240.00} plus tax at XXXX. The price that XXXX published and advertised on their own website two days later was {$150.00}, which is {$97.00} lower than my purchased price per item. As per the Terms and Conditions of the Citi Price Rewind Benefit, in order for this benefit to apply, a customer must provide to Citi a proof of a lower price, which " must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. '' On XX/XX/XXXX, I promptly submitted to Citi in an email a proof of the published price on XXXX 's own website, XXXX, of this same item advertised at {$150.00}. In addition, I also submitted the XXXX XXXX Form along with all the other required supplemental materials. I received a case number and subsequently my claims were denied. The reason cited for the denial of these 3 claims ( Claim Numbers : XXXX, XXXX, XXXX ) was : " Ad not sufficient. Your claim is denied because per the Terms and Conditions, the lower price must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. The item you reported was not advertised at a lower price through one of these methods. Thus, the item is not eligible for reimbursement. '' Clearly, Citi is trying to avoid satisfying their own promised benefits, which is a big disappointment to me as a long-time loyal customer. I hope that with the help of CFPB, Citi will make this right with me. Attaching all submitted materials plus the denial letters. <P/>Thank you for your attention to this matter!