WillisBack/dataset-financial-user-claim huggingface dataset:
Navient holds loans in XXXX separate accounts and will not consolidate to XXXX account so that I am paying one APR on the full amount. The APR stands at around 23 %. Most of the payment goes towards the inflated interest first and is not paying the main part of the loan.
This Santander Consumer is reporting 90 days of being late, which is absolutely false. All payments were made on time or early as I had automatic payments. The account has been paid in full for a couple of years, but this still impacts my credit. The company needs to correct where they state I was late.
In XX/XX/XXXX I spoke with a XXXX telephone representative who took my payment. While on the phone with the representative I asked to cancel the television service. She understood that it was not a service I needed. She then provided me with a telephone number for someone in their customer retention department. I assumed that meant I would have to call if I changed my mind and wanted to keep the television service. A month later I receive a bill and note that I 'm still being billed for television services. So when I called to pay my bill I asked them to correct the balance due to reflect a total that would not include television services. The customer service representative indicated that they could not correct my bill and that I had to pay the full amount ( billed a month in advance ). What should have been a {$55.00} monthly fee ballooned quickly into a {$350.00}. dollar bill. I again telephoned XXXX with the request that my bill be corrected and got the same response that they could not correct my bill. In subsequent attempts to reach someone who could assist me - XXXX then needed my drivers license number, SSN, XXXX account number , street address etc. and still could not assist me. I filed a formal complaint with the customer service representative on the phone - who basically told me there was nothing they could do until I paid off their fraudulent charges. I now have a bill for {$860.00} that has been sent to collections for services not provided, equipment and a collection fee. All because I asked XXXX to correct a mistake they made.
I have been trying to move funds ( specifically, LTC ) from my Coinbase LTC Vault to my LTC wallet. However, I have lost access to my secondary approval email ( two separate emails need to be confirmed in order to approve the transaction ) and contacted Coinbase support to see if there was any way I could move the funds by some other means. After several email exchanges with their automated system, they stated a solution of : " Instead, we can move the funds from your vault into your wallet and delete the old vault. This will enable you to create a new vault and move your funds back into it.

I have just forwarded your case to our subject matter experts who can help. They will get back to you shortly. '' This was on XX/XX/XXXX. As of today ( XX/XX/XXXX ) I have not received any feedback or assistance from anyone on the Coinbase team.
Consumer portfolio services ; are putting false info on my credit report. Stating I made a payment in XX/XX/XXXX when the last time a payment was made was in XX/XX/XXXX. The amount is incorrect and they are trying to extend the legnth it stays on my report. It is due to come off my report and they have now sold it to another company with false information.
There are addresses dates and phone numbers on file are not mine I have a rental agreement from 2009 till present that shows that I did not live in these places those years
The XXXX XXXX XXXX XXXX have inaccurate information on my Credit Report that has been removed 4 times and they are constantly putting it back on my Equifax Credit Report and raising the balance. It 's over 10 years old, incorrect and they are violating my Constitutional Rights. I will be filing a Lawsuit in Federal Court against Equifax and The XXXX XXXX XXXX for this erroneous act.
This debt was not even mine. My friend used my info when I was living with them and opened this account fraudulently. When I moved out they never changed this and screwed me over. This needs to be removed and forgiven as it 's ridiculous.
Credit Solution Has called me 8 times since XX/XX/2017. I know they have called me many, many times before that. Even after I have told them that the person does not live here. I do n't owe anyone money. This is harassment and I want it stop by any means necessary.
I have XXXX credit cards, a personal checking account and a business account with Navy Federal. My credit card had fallen a little behind due to loss of employment. I started working in XXXX XXXX and had spoken to representatives serval time regarding my credit card accounts. My rent was due, I had recently received an eviction letter from my rental company. My check was direct deposited into my Navy Federal checking account. However when I went online to check to make sure that I had enough money to cover my rent, I noticed that there was {$520.00} missing out of my account. I called Navy Federal to find out what my money was gone, I was told that the money was transferred to my credit card. I begged them to return the money, but I was told the money could not be returned. I advised them that I would be evicted, and my child would not have a place to live. I was denied my money. Then XXXX XXXX, XXXX, again I had my rent money in the account and Navy Federal took it upon themselves to take money from me again and placed it to the credit card again. This should not be allowed to happen. No financial institution should have the authority to take someones money at will.
Many times delayed that is being reported on my credit report appears to be inacurate and or misleading.
I am a XXXX XXXX  veteran and underwent major service connected XXXX XXXX in Spring XX/XX/XXXX. During this time my mortgage company, M & T Bank, were persistently attempting to convince me to refinance my mortgage. Against my better judgment I did so with the one goal of decreasing the monthly financial burden for my family while I was laid up from my XXXX XXXX. However, during the refinance process my mortgage lender failed miserably to accurately prorate my escrow payments needed for the upcoming year. Even though my mortgage company was aware of these mistakes in the months after, they did not inform me, nor reflect on statements until almost 8 months after the refinance was completed. At this time when they finally notified me, they had allowed my escrow to go several thousands dollars in the negative. Also this entire time no balance or account issues were being recorded as to what was happening on monthly and daily statements. All of these events led to my mortgage company giving me three weeks to come up with around {$500.00} a month extra in order to remain in my house with my family. I immediately contacted them and try to find out what happened. Once it was finally in the open of their massive failure in customer service, they refused whole-heartedly to even attempt in making this situation partially manageable for my family and myself. Instead my mortgage company offered zero assistance and instead only worsen the situation by being extremely rude and unprofessional while telling me that my family must Figure something out or else we wont have a house to live in anymore. A brief history, I purchased the house as a VA home loan in XX/XX/XXXX and have lived here since. I have always been able to pay my bills and not once ever put my family into a position where I could not afford the basics. In fact the only times in which I could not afford the monthly expenses was during this situation. This situation has produced and evolved solely from my mortgage companys disgusting sense of customer service and shallow pit of selfishness and greed. All while doing so without disregard of my wife and children. I have always been able to afford my house and there shouldnt be a reason that I cant now. However with my mortgage company putting me in this position financially, then finally over a year later, informing me they are DENYING any assistance for me my family and a chance of staying at our house. I was too sick to continue the phone call and requested them call me in a couple days. I simply do not know what else to do as everyone I have reached out to since XX/XX/XXXX when this began all I have been told is that theres nothing I can do. All I know is I fought a war for my country and in many cases I continue to fight that same war on a daily basis. I dont know how to feel when I am told they can not be held accountable. I have a hard time distinguishing between terrorists and my mortgage company seeing how they were allowed to XXXX and pillage my home and family while all I could do was stand here. I have never felt so helpless and weak.
Re Direct Recovery, XXXX. They were hostile and I don't think I have any unaccounted for debts. 

XX/XX/18 XXXX I got a phone call on my cell phone from XXXX, which I let go to voice mail. The message said that because I did not respond previously that I needed to call XXXX. There were no details. I called XXXX on my work phone around XXXX XXXX. I asked who is this business. He said Direct Recovery, then he said hostilely to look it up on line. I said what is this regarding. He said they were debt collectors. He was very upset that I did not call from my cell phone. He was hostile on the phone ; he was asking for my information. I said before I give it to him I need to know more. He cut the phone call short. 

I do not know what this is regarding. I don't know what I owe that I'm not already paying.
I am trying to make my regular mortgage payment and the lender refuses to accept regular mortgage payment due to carryover late fees from a prior lender. They are trying to collect those fees by altering my fixed mortgage payment. Now they refuse to accept my regular mortgage payments. I explained to them at this time I could only make my regular mortgage payment of XXXX and they refuse to accept it. They said they could only accept XXXX. My payments to this lender Statebridge Co has never been late.
I purchased a vehicle from XXXX XXXX in XXXX, TX on XX/XX/XXXX. On XX/XX/XXXX I had XXXX XXXX XXXX XXXX and was on XXXX XXXX. The bank called to do a welcome call which I barely remember and says that I told them that I had a recent repo, which I didnt. On XX/XX/XXXX about XXXX XXXX I get a call and text from the salesman saying that the bank decided not to do the loan because I said that I had a recent repo. In my mind it was a done deal, contract and everything signed, more than 72 hours and I hadnt heard anything from the bank or the dealership. I was waiting to get the information for my first note. Now I have to return the vehicle to the dealership today the say or they will repo it and Ive done nothing wrong to my knowledge. The name of this bank is XXXX XXXX XXXX. in XXXX XXXX, TX XXXX.
I contacted transunion multiple times complaining about XXXX XXXX and XXXX XXXX submitting false information to disrupt me credit score and my life in general.there both wanted by the XXXX XXXX XXXX New York US marshals XXXX and are under investigation by the new York states attorney general office please call XXXX XXXX and confirm for murders bank fraud etc. and transunion continues to accept information from these two fugitives that are seeking revenge for me reporting the i was an XXXX in XX/XX/2016 now i'm a XXXX can you have transunion explain this? they cant the only number transunion should accept from any regular person in from my phone if there no bank financial instantiation this fraud as stop me from securing a car loan a credit card i'm XXXX i don't have many option on a fixed income thank you XXXX XXXX XXXX i would like my credit score restored its correct number and no number but my own personal home phone be accepted for information accept for financial instantiation that are verified to be real financial instantiation.And do to the fraud XXXX XXXX denied me a credit card claiming i was last is the last 12 months which isn't true at all because XXXX and XXXX contacted both transunion and XXXX XXXX harassing empolyee 's pretending to be me using my Social security number name address and D.O.B thank you XXXX XXXX XXXX and the CFPB staff for helping resolve this matter
After being advised of a large debt on my credit report on XXXX/XXXX/XXXX, I contacted Capital One on XXXX/XXXX/XXXX, who very vaguely told me that my account was " Charged-Off '' and I needed to contact XXXX ( the collection agency ) which C1 supplied the phone number to me. I asked C1 to send me a copy of my back statements so I could find out what happened & when. As of this date ( XXXX/XXXX/XXXX ), I still have never received anything from Capital One. I then contacted XXXX on XXXX/XXXX/XXXX and asked them about my account. I was told they just received the info. They looked into it and contacted me back the next day ( XXXX/XXXX/XXXX ). Since then I was getting a call a day from XXXX occasionally 2 or 3 calls a day, until I asked them to not call me every day about it & I was looking into the matter. On XXXX/XXXX/XXXX, I received an envelope from XXXX postmarked XXXX/XXXX/XXXX with copies of my statements for the past year, and a letter from them dated XXXX/XXXX/XXXX. 

Going back through all my previous statements, I found that this automatic withdraw payment problem with Capital One has been going on since XXXX XXXX. I do not look at statements every month and knowing my other Capital One accounts are on an automatic withdraw payment plan with no issues, I did not know there was a problem. To this day, I still have not found or received any info from Capital One advising there was a problem with this account. Every month, C1 has been adding late fees, returned payment fees, interest fees, and changing the APR rate ( there may be more that I am unaware of ). The amounts keep changing, some months are higher & others are lower. 

When I originally spoke with the lady at XXXX, she agreed with me, seeing my information coincided with what she was seeing. 

Another issue compounding to this problem was my original C1 account number had been compromised. C1 issued a new card with a new number. 

I received 2 from calls XXXX last week, 2 more calls on XXXX/XXXX/XXXX and another one last night.
I had a checking account at Associated Bank. I had arranged for loan payments to be made by ACH from my account. For a number of reasons, I closed my account at Associated and in the process I requested that the loan payments be cancelled since they are being made through my new account. 
For the last SIX months I have been getting notices from the bank that has my car loan that my payments are not being processed because my account has been closed. Although I am making payments as agreed through my new account, the notices have become a nuisance to me and to the bank that has my car loan. 
I have asked on numerous occasions to stop the payments from my account at Associated Bank and I have been assured on XXXX separate occasions by XXXX separate people that the automated payments have stopped. I have received another notice from my bank that has my car loan that yet another payment from the closed account has been attempted. This is extremely frustrating to me, and I have absolutely no confidence that Associated Bank will not report negative information about my account because of the returned payments. 
I just want them to stop trying to process the payments against this closed account.
I was told by a debt collector with Asset Acceptance that I would be sued and have a Lien placed on my property and bank accounts for an account that is over 9 years old. I was told it was a XXXX account from XXXX. I also was verbally abused by the collector when I told them that the account was over 9 years old.
I notice that my credit score decrease once I logged into my creditkarma account I observed an inquiry by XXXX reported as an oil company. I have not apply for any credit cards or loan for the past couple of months. I would really appreciated it if this inquiry could be deleted off my credit. Thank you
my payment was returned for reason given .. returned payment - other. I contacted my bank and they advised me that nothing had been presented to them and there was plenty of money in the account to cover the payment and many more if wanted. The account number and routing number I used for the payment had never changed in the last two plus years I 've had the car loan and have used the same number ( saved on their website for easy use ). I resubmitted the payment and attempted to contact the company. I got in contact with a gentleman that was difficult to talk with. When giving my name and information I had to repeat it over and over for him. The loan is in my name and he said I am not on the loan and just kept repeating it. The loan has me as Primary person on the account XXXX XXXX. The guy just refused to speak to me, so now I 'm unable to confirm if there is any issues with account and to find out why they refused to process my payment which I do have confirmation emails showing it was on time and authorization received for it. Now a week later they said payment returned and account late. I want all records cleared for late payment ( if applicable ) and any fees adjusted ( if applicable ) and the employee that spoke with me fired or retrained.
I have banked with Fifth Third Bank for over 10 years. I have even worked for the company prior to taking a position that requires me to travel for business. I have had multiple issues with the bank whilst traveling and having access to my funds via my debt card I was told that I would always have issues unless there was a change to the address that would indicate that I would be in Texas, I agreed as I had several instances in which I had been denied the ability to pay for items at the point of sale. I called several times to discuss this with the bank and received POOR, UNCONCERNED AND UNPROFESSIONAL service. I spoke with no less than XXXX employees explaining myself over and over only to have my account address be one thing and the mailing address to be another. I had a bank product ( EAX ) removed from my account and was not notified at the time that the notation of my Texas address would preclude me from this account feature. I request that ALL calls made from XX/XX/2016 to XX/XX/2016 be pulled and listened to, as well as a copy of said calls be sent to me. I request that the EAX feature be added back to the account and that all managers and CSRs to whom I spoke be held responsible for lackluster, incompetent and rude service. Including XXXX, XXXX XXXX and XXXX.
My husband cancelled our gym membership on XX/XX/XXXX .We signed up as a family on a month to month basis after a year we noticed we did not use it much, he was told he had to go in the office to cancel it and that 's what he did .On XX/XX/XXXX they tried to debit his bank account and it was returned by his bank, and then they tried coming after me for payment.On XX/XX/XXXX I was told I still had an open account, so long story short I was told I owed them {$20.00} dollars and that I needed to come down to their office and terminate my account.I did that on the same day they sent me the email.I now received another notice stating that I owe {$40.00} more dollars or they wills send my account to collections.I contacted XXXX XXXX today on XX/XX/XXXX and told them I cancelled this service back on XX/XX/XXXX and was told they have not received the information.I told them I do n't owe this money and that I have paperwork of the cancellation.
After numerous attempts to explain that my payment must be processed via ACH, not echeck, Citicards again requested an echeck, then charged return check fees, late payment fees, and interest. I provided accurate account information and have a letter of support from my bank requesting that Citicards reevaluate these fees and provide a refund.
On XX/XX/XXXX, made purchase at restaurant. During this time, used XXXX voucher for {$80.00}, and presented to merchant at time of payment. Merchant failed to apply voucher and charged total amount to card. Shortly thereafter, I filed dispute with card company, which advised I should provide voucher, which I did. They then credited my account. However, in early XX/XX/XXXX, I received notice that disputed amount was reversed, and I provided a rebuttal. Rebuttal again included a copy of said voucher and suggested that I did not agree to amount because the receipt for purchase was not signed. I have not received any notice from card company of resolution.
A title company repeatedly e-mailed me another person 's private financial information about their escrow account, property purchase, etc. This is a data privacy violation.
I called XXXX XXXX on XXXX XXXX, XXXXto get clarification about why my number of payments toward forgiveness was inaccurate ( it is about 6 payments short of the correct number ). The representative stated that  the payments I made through my previous servicer had not been transferred over. She stated that she would put in a ticket to have this issue resolved, and that it would be corrected in 30-60 days. 60 days later ( XXXX XXXX, XXXX ), I checked my account and the issue was still not corrected. I spoke with another representative, who stated that it could take up to 90 days and that I should call back in 2 weeks and request it be expedited if it is still not corrected.
XXXX XXXX XXXX XXXX  continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both Transunion and XXXX reports on my XXXX  report it reflects the correct date of XX/XX/XXXX I believe this was done to re-age my account! I have disputed this through the CB several times.
I had a loan of a little over {$500.00}. It was paid some time in 2011. Unfortunately I do not have the paperwork for the payment because it was made by my ex husband whom I am unable to contact. A couple of years ago, Navient started calling me saying it was never paid. They have destroyed my credit to the point I count even be added to a mortgage on my home with my husband.
M & T Bank allowed XXXX to charge my debit card in the amounts of XXXX on XXXX/XXXX/2015 ( XXXX late fee ) & XXXX on XX/XX/XXXX ( XXXX autopurchase ) I contacted the bank and advised these were unauthorized charges and disputed the charges. I was given a provisional credit for the charges only to have it reversed and M & T sending me a letter stating the charges were not in error. They also send me a invoice for a purchase my daughter had made on XXXX/XXXX/2015 for XXXX with her amozon account information and email address. Not my account nor did I made a purchase from amozon anytime this year. The book was purchased using my daughter account with amozon and other means as this was not a purchase with my debit card nor did I authorize the withdraws and still am disputing these charges. M & T Bank 's representatives stated many times because XXXX has my account information from a prior purchase they can withdrawn the funds from my account? How can they take money from my checking account and the bank allows this without my authorization just because they have my information. M & T sent me a invoice to show me the reason for the charges was a purchase on XXXX/XXXX/2015 using XXXX XXXX account at amozon in the amount of {$26.00} dated XXXX/XXXX/2015 and shipping slip for XXXX/XXXX/2015 and they reversed the credit for a book that my daughter must have bought with her debit card ( no charge on my account for a book on XX/XX/XXXX or XX/XX/XXXX for the initial rental. I do n't think because the company had my information they should take it out of my account because we have the same address and they assume I have a book? This is not my purchase. The bank should reverse the debit to my account from amozon and not allowed this to happen. I want my money taken from my account returned as they took it without authorization to do so just because they had my account information? That does not make it ok