WillisBack/dataset-financial-user-claim huggingface dataset:
My account is with Navient. On their website they say that you can use what they call " special instructions '' for extra payments so that your extra can go directly to your principle. I asked them to please do this on a specific XXXX of the XXXX loans. Their response to me was essentially " your extra payment goes first towards your unpaid interest. This seems fishy and bad practice!
I switched cell phone providers in XXXX XXXX ; left XXXX after being with them for more than 10 years and moved to XXXX XXXX XXXX. In XXXX XXXX my online XXXX account was suspended. I received a bill in the mail from XXXX in XXXX XXXX providing the amount owed. I made a payment via check and mailed it to XXXX in XXXX XXXX. I got a letter from XXXX stating that I had access to my online XXXX account again. I went online to make another payment this week. The very next day I got a phone call from a debt collection agency. The caller stated that XXXX gave my account to debt collection agency. I am outraged. I am currently paying this bill, I have not failed to pay, I have paid online. XXXX gave no notice that the account would be going to debt collection. This is complete bullying by XXXX and they need to be held accountable.
When I went to purchase a used car at XXXX XXXX in XXXX, New York, without consent they ran XXXX hard inquiries on my credit, effectively lowering by XXXX points. The banks that show hard inquiries on my report are XXXX, XXXX XXXX, XXXX XXXX and XXXX others. This happened in XXXX XXXX. I contacted the banks and they refused to remove the inquiries.
I was living in a rental appartment complex. And when i moved i was not aware of the bogus charges thats on my credit report.They did not give me any paper work nor did i sign anything at the time to agree to these charges.And i'am also aware of this has happen to several residents that lived there after they moved out.
Navient is calling my phone repeatedly a minimum of six to eight times a day. I have filed forebearabce paperwork with them which they are refusing to acknowledge and have stated they can do whatever they want in order to make me pay. I have asked them to limit their number of calls daily, I have blocked their number and they have used more than XXXX different number and they are harassing me over a debt I was paying regularly prior to becoming unemployed. They have said they do n't care if I have the money to pay me and that they will continue to call me as many times a day as they want until I pay them which I keep trying to explain I can not do at this moment.
Resurgent Capital Services, which I hold no contract with & have never had any business affiliations with, reported a collection to my social security #. A debt in the amount of {$1800.00}, has been reported to XXXX, XXXX & XXXX credit reporting agencies. I have requested validation of this debt on X/X/17, but Resurgent Capital Services has failed to provide adequate proof.
On   XXXX   XXXX   XXXX    , I opened an HELOC with PNC Bank. Many things went wrong on closing day : no one ready at  PNC  branch, no documentation ready in spite of weeks of advance scheduling, long wait time at another  PNC  branch..     I was told then that if I opened an checking account with PNC Bank, my interest rate would be lowered. I was told also that since I had no time to open that checking account on that day ( plane to catch ) I could come back later and open the account and then get the interest rate discount.     Today   XXXX   XXXX  , the same  PNC  Bank branch employee tells me it is no longer possible to benefit from the discount. I would have had to open the checking account on   XXXX   XXXX  .     I was clearly promised something on   XXXX   XXXX  . I am denied it on   XXXX   XXXX   XXXX . The reason I did not open the account on   XXXX   XXXX   was the delay caused by the breakdown in PNC Bank closing promise.     I add that other breakdowns have occurred since the HELOC was openened : I was mail a check book for the HELOC with an account number missing  two  digits. I complained and was told  PNC  Bank deliberately issues check books with missing digits! My account number is therefore not the account number as it appears on the book! Odd?     What should I do?     I am at your disposal for any documents related to this complaint.     Cordially,  XXXX   XXXX
Federal law requires that you provide mechanisms to make sure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX
The IRS put the owed amount of a private loan on to my tax return to be paid back as a return. 
The school refuses to release my XXXX degree until the loan is paid. 
The guarunteed loan service refused to pay for my final semester to graduate and so I had to take out a private loan. 
Over {$XXXX} has been added to what was borrowed since the loan was made.
On XX/XX/2018 my friend XXXX was getting ready to move from XXXX to XXXX where Im at. I was sending him money for Gas and food for a hotel for a night. I told him i could send him {$400.00}. XXXX XXXX has outrageously huge fees so did XXXX XXXX and a friend mentioned XXXX. So I signed up. Had a to send in my phone bill to them to verify the number was mine because the number was on an account already. It was released I was able to sign up for account I added my debit card I added my bank accounts. Ive verified my identity I verified the accounts, So I sent XXXX the {$400.00}. He was having a hard time being able to accept the payment. But it was sent to him he was having technical issues With being able to accept a payment. I got on a chat with a XXXX specialist or customer service person And they confirm the payment was sent. Finally hes able to sign up for account and he goes except payment and it says that I canceled itAnd I didnt cancel it so I got back on chat again and was told the payment was canceled and the money will be returned to me. They stated that they wouldnt disclose what reason it was cancelled or why they lied and said i cancelled it. And all of this was within 20 minutes of me making the payment. So I made the payment through other ways. XXXX still pulled the money out of my account even though they they cancelled it. The payment cleared the bank and came out so because I had given money elsewhere to XXXX for the payment I was overdrawn in my account now {$170.00}. I got on chat with them again and was very upset I sent them a screenshot of my bank statement to show them the transactions and they credited my account for the overdraft fee of {$35.00}. After they gave me the credit that they turned around and froze my account so Im not able to withdrawl the money. Even though the money is then reimbursing me for a fee they cost me they said that I am now permanently deactivated that I violated a user agreement rule. I used XXXX for what XXXX is forAnd thats to send money to friends and family. I used my own bank account and everything is verified, sent them a copy of my ID thats valid and current. That payment they werent supposed to take since they cancelled it but did anyways cleared. Now they say the funds are on hold for 180 days because their loss prevention and fraud places were flagged. Ive yet to get the money back i cant think of a single thing i did to violate a term of condition or how fraud at all is even involved. It sounds like a scam and its discrimination and they stole from me and now said they can not offer any further assistance. Ive yet to recieve the {$400.00} they said they were sorry for and supposedly sent back. They admitted to pulling the money by mistake i have the chat logs so there should no reason why my account was frozen or now permanently deactivated or why lose prevention would be holding any funds. XXXX XXXX an account specialist is the one who is behind it.
XXXX was reporting an error to the credit bureaus that my account was open, delinquent and had a balance. XXXX XXXX XXXX sent a letter to me and the XXXX credit bureaus on XXXX XXXX, 2016 correcting the error and explaining that my account balance should be XXXX, closed and not delinquent. Since then, the credit bureaus have continued to report it wrong each month which has killed my credit score, dropping it over XXXX points. I have disputed this account at least 5 times and the last time I faxed the copy of the XXXX letter as proof to the credit bureaus which opened another dispute. The dispute is now closed and Transunion is still reporting XXXX as delinquent, open and the balance keeps increasing each time it is disputed. I have an account with CFPB which includes this letter as my supporting document, refer to case number XXXX.
I recently received a letter from Lowe 's stating that my account with them was closed. I would like to report their unfair practices towards XXXX XXXX  card holders. I didn't owe them any money and my card was in good standing. I paid this account off in XXXX or XXXX.The closed my account in XXXX. Damaging my credit score/rating.If you investigate you will find that they have implemented this practice only on their minority card holders.
I scheduled a move with XXXX XXXX XXXX XXXX/XXXX/XXXX. I was quoted {$1900.00}. They required an {$750.00} deposit. There is a 3 day cancellation policy. I was called by XXXX the evening of XXXX/XXXX/XXXX. He wanted to go over inventory. He asked what floor I was going to be on in new address. I said XXXX and he said he would check and see if he has a truck. When he got back on the line he said the price would be {$3600.00}. to move me or they would not take all of my furniture. He emailed a new agreement with less boxes and furniture on the list. I replied via email to cancel the move as this was not agreement. I filed a dispute with Citi Bank on XXXX/XXXX/XXXX. They have been of no support. I have emailed and faxed everything they requested and after 2 months of this and endless phone calls only to be told today by a dispute manager, XXXX, that because I did not cancel within the 3 days they can not assist me. I can not comprehend how they can not support me in this obvious scam. The company has many similar complaints which I also submitted.
Case no. XXXX in the XXXX circuit court of appeals. This is the Tila rescission case XXXX vs XXXX XXXX, which the CFPB filed a previous amicus brief regarding statute of repose, and the three year limitation on filing rescission.As you already know, the scotus ruling on XXXX vs XXXX, did away with the falasy that a person was time barred from having not filed a law suit to enforce rescission within the three years. Attached to the XXXX case, was XXXX vs XXXX. We were reversed and remanded back to the appeals court, which remanded back to the district court, and Judge XXXX XXXX. After both parties moved for summary judgement on the issues, the ruling went like this. Summary judgement was granted to the XXXX party, because the judge believes we could not Rebutt the presumption of delivery of documents. He completely ignored the precedent sent in the eighth circuit in XXXX vs XXXX, and the ruling in XXXX, and XXXX.. He also ignored the plain language of scotus, in that rescission is " effected upon notice '', and allowed the bank the vary the statutory sequence of rescission, by not responding within 20 days. He also ignores the numerical violations in the disclosures themselves, that prove we had rescission. We are appealing his ruling of ignoring the 20 day requirement of the bank not taking action to rescind or seek judicial guidance. Ignoring this rule waves their tenable defenses. Judge XXXX treated us with hostility, at the same time was extremely polite and accommodating to the banks attorney. We feel there is a clear bias displayed here, and would like to get the CFPB 's assistance regarding the clear defiance in the eighth circuit toward Tila Rescission.While this case was playing out, the bank moved for foreclosure in the state court. We rescinded this loan in XX/XX/XXXX, and file suit in XX/XX/XXXX to enforce rescission. We have gone all the way to the Supreme Court to enforce our rights, only to be remanded back to a judge who refuses to accept rescission as a valid consumer defense.
I would like to file a complaint against Wells Fargo Mortgage for what I believe is fraud. I purchased a home in XXXX of XXXX in XXXX, Georgia ( XXXX XXXX XXXX XXXX XXXX for {$210000.00} and used Wells Fargo Mortgage as my lender. Wells Fargo sent an XXXX out to appraise the value of the house and the house appraised for {$210000.00}. I applied for a conventional loan which included PMI. 
At the time of purchase, the basement was unfinished and the square footage of the house was XXXX square feet. I have since had the basement completed to include a full bathroom, a full kitchen, a bedroom, a living room, a game room, and a theater room. The square footage on the house is now XXXX square feet. 
I contacted Wells Fargo to have the PMI removed from the mortgage and Wells Fargo sent out an XXXX to appraise my home. The XXXX spent approximately XXXX XXXX XXXX XXXX minutes in my home appraised it {$210000.00}. I contacted Wells Fargo to dispute the appraisal and I was told that home sales are down. I had my own appraisal completed and found that XXXX homes in my community, similar to mine, sold for {$290000.00} and {$270000.00}. The XXXX that Wells Fargo used did not compare homes that were in my community, instead, homes in an adjacent community that have lower valued homes were used. 
I believe that Wells Fargo is committing fraud against homeowners by using their chosen appraisers to appraise homes for loan values and then using their appraisers again to appraise homes at lower values in order to charge consumers unnecessary fees. I request that my complaint be investigated.
Inaccurate and misleading response to a cfpb complaint regarding the application process and inquiries on a Citibank account on my credit report. See attached. 
Regarding XXXX inquiries made in attempt to acquire a Citibank card. 
Regarding the inquiries : Application made on XXXX XXXX, XXXX was declined due to a recently established account -- I do NOT have a Citibank card. I received a letter declining the application stating that I had already had a Citibank card, I do NOT. The letter from the executive response unit also states this as a fact, it is incorrect and is a fact that can be proven. The inquiry needs to be deleted from my credit report as it was incorrectly processed by the Citibank system and therefore was not any possibility to be a valid and good faith inquiry based on the Citibank system, which is confirmed by the response given to the cfpb. The response goes on to state that a call was made by myself to the customer service dept regarding this account, again, which I do NOT have, and that after I called Citibank I never called back. There was NO REASON TO CALL BACK. Please review and provide a FULL TRANSCRIPT of the call which will completely explain what was discussed. Delete the inquiry. 
Regarding the application made on XXXX XXXX, XXXX -- -I was directed by the fraud department of Citibank ( as resulting from the above-mentioned call to customer service ) to make yet another inquiry, and to use a different address when making the third application for a Citibank card. I used my business address. In the response letter to cfpb it states that in this inquiry/application, my social security number could not be verified and a letter was sent to me with no response. 1 ) I never received a letter, 2 ) the social security number was clearly valid for the attempted applications made on XXXX XXXX, XXXX and XXXX XXXX, XXXX, so why was the 3rd application not validitated. 
I am again noting and was completely ignored and not addressed, that I have an identical twin brother with the same birthdate, same home address, and he has a consecutive social security number, which the customer service fraud department representative was made aware of and responded to in my call in to customer service regarding the SECOND application I attempted to make. There is NO FRAUD but there is a mix up in the application process of the Citibank system and this needs to be addressed and corrected. 
The response letter from the executive response unit nicely quotes legalities of the online terms and conditions for submitting online applications that Citibank is authorized to pull credit. Do they read what they write to the cfpb and the consumer? Does this make sense? Is this an actual response? Delete inquiries # XXXX and # XXXX from my credit report because there was no possibility of accurate consideration of these XXXX applications. I am certain this is happening to other consumers in their attempts as well, and this should be investigated if not resolvable.
XXXX XXXX XXXX # XXXX -I disputed this account and nothing was sent to me to legally verify this account. 

this account is being reported in violation. I have sent several dispute letters stating each error and it is still being reported on my credit report. 

1st violation : They are reporting a Balance of {$1000.00} on a charged off account 2nd violation : they are reporting a Past Due of {$1000.00} on a charged off account 3rd violation : Each credit bureau is reporting 3 different dates of last activity. XXXX  reports XX/XX/XXXX. Experian reports XX/XX/XXXX. XXXX  Reports XX/XX/XXXX. How is it possible to report inaccuracies and still say that its verified or updated. I checked my credit report after each bureau has stated that this account has been verified or updated.
I received a 30 and 60 day late notice on my credit that was reported by XXXX. I disputed with XXXX and Transunion but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that US Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX but XXXX XXXX was unwilling to proect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.
I opened a Bon ton credit card and made a purchase in XXXX 2016. I did not receive a bill to the items I purchased. I got a call in XXXX 2016 and paid for the items. I settled the account and advised I would no longer be using the card. I continued to receive Robo calls 10+ a  week. Again, contacted Bon-Ton who referred me to Comenity bank. I have gotten no where with them. They continued to add late fees on top of late fees totaling {$210.00} even though the complete balance of {$72.00} as paid in full for the items I purchased. They are threatening and harassing. They continue to call me even after I have told them to stop on many occasions.
I reviewed my credit reports in early XXXX, a follow up to a check I did earlier this year. I in it I noticed some errors. On XX/XX/XXXX, I wrote a letter to XXXX XXXX XXXX ( see Transunion XXXXXXXX ),  asking them to correct the errors relating to credit inquiries. The Fair Credit Reporting act describes the permissible purpose to finish a report in 15 U.S.C. 1681b. The inquiries in question are in follows 1 ) XXXX XX/XX/XXXX 2 ) XXXX  XX/XX/XXXX Neither of these two inquiries fall within the purposes described in the Fair Credit Report as a permissible purpose. I asked XXXX to conduct an investigation on those two inquiries, specifically - the name and title of the person who pulled the report - the date of the alleged report request - and the method that the creditor claims I gave permission. I asked for documentation of said permission. Instead I was given a 1 page response ( see TransunionreplyXXXX ), basically asking me to contact the creditor ( was an investigation ever done? ).  There was no confirmation that any investigation took place.. In the generic letter XXXX claims that written authorization is not required and specific consent is not required. Furthermore none of the information I requested was never furnished, it appears that Transunion is asking me to correct their errors! The Fair Credit Reporting act dictates the manner in which a credit reporting agency is supposed to investigate errors in 15 U.S. Code 1681i.
I have asked Franklin Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
According to the Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX ) ( XXXX XXXX, the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract with the company. I have sent letters for validation to this bureau and they have not provided me with proof that this account belongs to me. The company name is XXXX, account # on file is XXXX ... .. The credit bureau is reporting inaccurate information and I have no knowledge of this account. I have not signed for an XXXX loan. Under the FCRA, unverified accounts must be removed and if the bureau is unable to provide me a copy of verifiable proof, they must remove the account.