WillisBack/dataset-financial-user-claim huggingface dataset:
I made payments to XXXX XXXX, mailed in XXXX, XXXX, XXXX, XXXX. Checks were cashed by XXXX  XXXX XXXX XXXX XXXX, on XX/XX/18, XX/XX/18, and XX/XX/18. XX/XX/2018, Navient sent a letter stating my load was purchased from XXXX XXXX. I called to ask why the three checks were not credited against my loan. They claimed not to have received funds, and suggested I call XXXX XXXX, who then claimed that the loan was transferred to Navient in XX/XX/2018. I went back to Navient. They wanted a copy of my bank account transactions to provide proof of payment. Instead I wrote a letter with copies of the completed transactions. I waited and called again XX/XX/18. I was told I had called too soon. To wait 10 days and call again. Navient then claimed they had not received the documentation and to send a copy of my bank statement. After several contacts with Navient, I went to my banker at XXXX XXXX, XXXX, WI. She sent a certified letter, in a fax, to Navient declaring I had paid them. This was suggested by Navient. I called three days later. Navient had not received her fax, even tho the number was provided by Navient. I called my banker, she sent the fax again. This time when I called, I was told the document was not acceptable. Navient insisted upon a bank statement. OK, back to the bank who suggested she would black out all info on bank statement and fax. The first time, this was not received by Navient - again, they provided the fax number. Navient also claimed documents were illegible The second time, Navient acknowledged the bankers document, but, I had to wait 14 days for the financial dept to act upon it. I called on day 14. I was told things were being processed, and action would take place either XX/XX/XXXX or XXXX. Today, I am back to Navient who again claimed they had not received payments but they had gone to XXXX XXXX. I was to again call XXXX XXXX. Having called XXXX XXXX in XXXX was not sufficient. I called the number Navient provided. It went back to Navient. I searched the web for XXXX XXXX  phone number. It also went back to Navient. However, website did say that XXXX XXXX was now XXXX XXXX. Called XXXX XXXX but they have no record of my account. XXXX XXXX did some tracking and told me that since my debt to XXXX XXXX was in default, it had been immed sent to Navient as a personal loan. In fact, I have never been in default with XXXX XXXX. However, I had just completed the requirements for Chapt XXXX and that has successfully been closed in XX/XX/2018. 
So, I am back to Navient who I have contacted 4 times already this month alone. XXXX, XX/XX/XXXX, XX/XX/XXXX and, XX/XX/XXXX.
We have an XXXX XXXX card issued by Chase Bank. We paid the statement balance on this card on XXXX. It was posted to my XXXX XXXX XXXX   account on XXXX. The balance available has still not been reflected by Chase. When I called Chase they informed me that all payments over 50 % of the credit limit will be held for up to 15 days even though they have posted the payment to the account. This doesn't make any sense. No other credit card we have does this. This appears to be a systematic mechanism to make card holders pay less on their accounts and for Chase to make money on interest. This needs to be investigated.
Flagstar mortgage is not helping me with underwater mortgage. Provided a lot of documentation and have excellent credit and they keep delaying settlement on loan.
I have contacted all three agencies via phone and certified mail in regards to an account credit first. This account was paid and now it is reporting derogatory on my credit file .... i have requested any and all information on how this was added, verified etc and NO COMPLIANCE ... this account is INACCURATE and per FCRA any inaccurate information MUST BE DELETED FROM FILE ....
I am enrolled in the Pay as you earn plan through XXXX and also in the Public Service Loan Forgiveness Plan. I have been in this program since XXXX and have renewed it the same way every year- with the application, check stubs, and my W-2. This year I turned the application and supporting documents in on time. On XX/XX/XXXX I received a letter stating I also need to turn in my 1040 which was sent in on XX/XX/XXXX. I received a letter on XX/XX/XXXX that said I have been approved and to continue making my normal monthly payment ( {$39.00} ) until XXXX and then the amount would increase to {$46.00}. I made that payment on XX/XX/XXXX but saw the amount that was due is {$240.00}. I thought this was just a lag in the system and things would catch up since my paperwork was still being processed. I received texts and emails stating I was overdue on my payment and still owed the {$240.00}. I called on XX/XX/XXXX and spoke to 4 different people including the supervisor at XXXX. They said the letter was from XX/XX/XXXX and that turning my 1040 in on XX/XX/XXXX was more than the 10 days late that they allowed. The letter I have in my paperless inbox is dated XX/XX/XXXX and turning the letter in on XX/XX/XXXX is less than 10 days from that date. She said that the bill came out while my paperwork was being processed and there is no way this can be changed to the normal monthly payment of {$39.00}. I asked why they are unable to change this since the paperwork has been processed and was turned in on time. I was repeatedly told that my paperwork was turned in late and it should have been turned in earlier. I asked why I need my 1040 this year and they said because I checked the box that said to include my taxes. I have looks at my other applications and this box has been checked on those and I have never had to do this. I have only needed check stubs and my W-2. Everything was turned in on time. Since I have been told there is nothing they can do about this and this is the amount due, they told me to do a forbearance. I can not afford this payment which is why I am in the Pay As You Earn Plan. I have XXXX XXXX, a mortgage, bills, and limited income. The customer service I received was terrible. I did everything I was asked, turned everything in on time and because it took almost a month to process the paperwork, I was stuck with this amount and had no choice but to do a forbearance for this month.
I signed a paper to have my credit checked but never agreed to a credit account. I already have a complaint against XXXX XXXX for opening up another account. I was in a timeshare presentation on XX/XX/XXXX, they ran my credit said I was approved for everything, but never mentioned I was getting a card or any line of credit.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The  company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
I have  XXXX  child support accounts show up on my credit report that is NOT mine. This started about 6 months ago, when I noticed them I began trying to figure out what to do and how to do it because I disputed it and the bureaus said it was a " valid or verified account '' which made me laugh because the Child support office said  2 we eks after the agencies claimed to have investigated that the bureaus need to contact them. They provided little help as well ... they did send me a letter which I 've forwarded on to the credit bureaus, and have n't heard anything back as of yet. Little frustrating because I wanted to look at buying a house and I ca n't and anyone that runs my credit things I 'm lowa quiet life that does n't pay his child support. Not sure what else to say or do but I 'm going to upload what I have based on the internet and different resources.
I sent this collection agency multiple letters via certified mail. They have never responded to my disputes or provided any documentation to prove the alleged debt. They never sent me any validation letter either within 5 days of the initial communication which is a violation of 15 USC 1692g. They also have violated 15 USC 1681 s-2 by never responding to a dispute.
many telephone calls from some guy calling himself XXXX XXXX at XXXX extension XXXX. He said he 's collecting for Santander and I told him I had never had an account with Santander and do not have an account with Santander and he threatened me. Said if I did not give him personal information that he would just keep trying to get payment.
Continue to receive threatening communications from the collection agency after I notified them twice in writing that my only income is social security. last threating letter dated XX/XX/2018
On XXXX/XXXX/17 @ XXXX I made a CC payment of a parking ticket associated to SFMTA in lieu of receiving a " hearing to contest '' the citation ( XXXX ). The condition with SFMTA is that you must pre-pay the penalty to acquire the hearing. The amount was {$280.00}. The hearing was ruled in my favor, and the ticket was dismissed.
CITI CARD refuses to refund/reverse the charge, stating that I needed to provide a valid credit card slip. This is not possible since the merchant ( SFMTA ) did not provide a copy of the credit card slip when requested. The transaction was completed using a digital CC machine ( point of sale terminal ) at the customer pay window, and the only thing I received was a copy of the receipt.
I provided CITI CARD with copies of all supporting documentation, which included : - a copy of the ticket - a copy of the transaction receipt.
- a copy of the bill of sale - a copy of the letter I received stating that the hearing was ruled in my favor, thereby negating the validity of the transaction, providing proof that the amount needs to be returned.
CITI CARD is refusing to reverse the charge and directing me to " take it up with the merchant '' to achieve a resolution. It is my firm belief that the responsibility falls firmly with CITI CARD to protect/defend its customers from these kinds of local government merchants/organizations. It is not the customer 's responsibility to battle with the merchant ; it 's the credit card company 's responsibility to protect its customers.
So much for taking care of your 10+yr customer. Not acceptable. I will be taking my facts-supported situation to social media.
The credit bureau refused to provide me their Method Of Verification listed for accounts listed on my credit report. According to the FCRA 611 ( a ) ( 6 ) ( iii ) which states " if requested by a consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available ''. FCRA ( a ) ( 7 ), which is used for such a request, states : '' A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. On or about XX/XX/2018,. I requested the Method of Verification via return receipt certified mail. Equifax refused to provide me with their Method of Verification.
Equifax is in violation of FCRA Section 623 and FCRA Section 611 Part ( A ) ( 1 ).
On   XXXX    XXXX , 2017, Equifax signed for a certified letter that I sent formally challenging the accuracy, compliance and reportability of information on my credit report regarding   XXXX   accounts from   XXXX   XXXX   Student Ln. I requested them to validate this information and provide me with copies of any documentation bearing my signature. I also notified them that I was aware of FCRA Section 611 ( a ) ( 1 ) ( A ) and that I would be keeping records INCLUDING their method of verification and that I do not consent to   XXXX   or any means of automated verification.
On   XXXX   XXXX  , I received an updated copy of my credit report with no changes and a simple statement that the account was " verified. '' There was no documentation of this verification, including no documentation of my signature or proof that these alleged accounts were mine.
On   XXXX    XXXX , 2017, Equifax signed for another certified letter I sent advising them that I was formally requesting a description of the procedure used to determine the accuracy and completeness of the information, and that it should be provided within 15 days of the completion of the reinvestigation. I requested the name, address, and telephone number of each person they contacted regarding these alleged accounts.
Today is   XXXX    XXXX , 2017 and I have not received the documentation from the original request of   XXXX   XXXX  , nor have I received the documentation from the 2nd request of   XXXX   XXXX  . It has been beyond 30 days, as required by law, for the investigation to be complete.
I submitted a investigation request form to Equifax by mail about incorrect personal information on my Credit File on about XX/XX/2018 requesting the information be removed. I included all required necessary documentation of proof of my identity. I have never received a response and it has been over thirty days.
On XX/XX/18 I opened a Capital One 360 account using the promo code XXXX. The terms and conditions clearly stated that in order to be eligible you would have to deposit at least {$50000.00} into your account. There are no terms outlining a requirement of a {$50000.00} balance or a single deposit totaling {$50000.00}. The terms and conditions of the offer can be found at : https : //www.capitalone.com/savings500/. 


Between XX/XX/XXXX and XX/XX/XXXX, I made deposits of {$11000.00}, {$15000.00}, {$15000.00}, {$10000.00}, and {$1100.00}. These deposits totaled {$52000.00}. 


On XX/XX/XXXX, I reached out with a representative via Capital One 's online chat service. He assured me that I did meet the qualifications of the bonus, and that it would post 60 days from XX/XX/XXXX, which would be XX/XX/XXXX. I have attached the transcript of that conversation. 


On XX/XX/XXXX, I reached out to Capital One 's customer service telephone line to check on the status of my bonus. On my phone call, I was told that they could not honor the bonus. I politely asked to escalate the call to a manager. The manager once again told me that she could not post the bonus. I read the terms to the manager from their website, and she acknowledged that the terms and conditions did not state a requirement for a {$50000.00} total balance. She said that their marketing team had since updated the terms for future offers. She said that while it was not in the terms and conditions, it was " The spirit of the offer '' to only post to accounts holding total balances of {$50000.00} I politely explained to her what the representative told me in XXXX about the account being eligible. She then put me on a brief hold, and offered to post a {$100.00} bonus. I politely refused, and hung up. I believe Capital One knows that they did not put this stipulation in their terms and conditions, and is know refusing to post the promised bonus.
I was contacted by XXXX at Clark County Collections about a debt for XXXX, and i immediately notified her that i was disputing the debt. They have never sent me any verification of debt.
Sallie Mae does not give borrowers the option to make a principal-only payment online. I gave the minimum payment online and planned to call in to apply another payment strictly to the principal. I called the main Customer Service number, and they told me that was also impossible to guarantee through their means. The representative I spoke to was clearly unfamiliar with the idea or function of a principal-only payment and told me false information. He repeatedly told me " most '' of my payment would go to the principal or that he really could n't guarantee where it would go. It was clear the representative was trying his hardest but that he was simply untrained and unequipped to provide me the correct information and action. I went so far as to ask if a principal-only payment application could be guaranteed if I sent in a check. He once again essentially tried to tell me there was no such guarantee. 

This is unacceptable. ANY other type of loan allows the borrower to apply payment at their discretion, provided minimums and fees have been paid. If I pay what I " owe '' for the billing period, I should be at liberty to apply payment wherever. 

It is clear Sallie Mae has exercised great liberty in thwarting its borrowers from repayment. It is disgusting that an organization would make it so difficult to get ahead on debt. 

Perhaps the representative was new, or mistaken. Regardless, it would really be best if SM could offer this option online. This is totally unreasonable.
I am filing a complaint with Transunion. I have been disputing incorrect information on my credit report. They sent back a report showing that all information was verified. Based on the FCRA an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature showing was supposed to had been received. I have received no such information from transunion. All they said was the information has verified. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required to promptly delete all information which can not be verified.
This number is my work phone. I verbally expressed not to contact me at work. Phone calls to my work took place today at XXXX XXXX, also on XXXX XXXX at XXXX, and on XXXX XXXX at XXXX, and on the previous Friday XXXX XXXX at XXXX. I am currently the only working individual in my family. I 'm under enough pressure to supply an income without repeated calls at my workplace where I ca n't discuss personal matters without jeopardizing my job.
I submitted a complaint  ( Case nu mber :  XXXX  ) regarding non-payment of property taxes from escrow account. AmeriHome responded and said they had paid taxes. They paid taxes to parcel #  XXXX  which is the WRONG parcel # AGAIN. I had sent copies of tax bill clearly stating that the parcel # was  XXXX . I want the taxes paid and acknowledge their mistake. Taxes must be paid by Friday
I have disputed with the bureau about a bankruptcy in file. They informed me that XXXX have them the information. XXXX in formed me that they did not share any of my information with and credit reporting agency.
I have contacted equifax in   XX/XX/XXXX   in regards to   XXXX   XXXX   XXXX   XXXX    and their deceptive tactics, practices, and acts which violates the laws of the federal trade commissions of fair debt collection practices acts of which debt collections agencies have to comply with in the united states.       XXXX   XXXX   XXXX   XXXX   have  XXXX  accounts reporting for the amounts of  XXXX ,  XXXX ,  XXXX  of the hospital   XXXX   XXXX   XXXX   XXXX    reporting from the following dates of   XX/XX/XXXX   on all  XXXX  amounts.     There w as  XXXX  in surance policies to cover medical expenses due too the vehicle crashes of which in both instances i was the victim not the driver of either vehicle in both crashes.     The hospital failed to correctly bill the insurances of both drivers in   XXXX  differenent vehicle crashes along with the  XXXX  insurance grants from the progra m called  XXXX  which is an acronym for   XXXX   XXXX   XXXX   XXXX  . My attorney was contacted directly in regards to all medical bills and the attorneys complied with federal laws but not   XXXX   XXXX   XXXX   XXXX  .     The Account   XXXX   XXXX   XXXX   XXXX   is based in florida last known address is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   florida  XXXX  last known phone number is  XXXX . Their deceptive acts and practices are mind blowing and staggering as a junk debt collector which is evasive and deceptive in its communications, tactics, and acts which is why i am reporting them to the federal trade commission in order to have their license taken to do business under any other name or structure financially within the united states.
XXXX XXXX just appeared on my credit report this week. It is an account that says I 've had it for two years. This is not me, the account is fraudulent. This is ID theft. I have never opened an account with this company. Please remove from my credit report as it violates hippa and the cra.
XX/XX/2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Transunion Re : Request to Remove Unauthorized Credit Inquiry Dear Transunion, I recently received a copy of my Transunion credit report and I notice there is an unauthorized credit inquiries made by    XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into ( insert name of credit or ) inquiry to determine who requested this credit inquiry.    If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  XXXX   XXXX
US Bank Collection department calls me at work and at home before the grace period is over. I have a 15 day grace period and I usually pay on the XXXX. Sometimes they call me even after I paid. I have never been late in my mortgage payment. My mortgage is new. However, I had an equity line of credit with them starting in 2007 that I paid without ever being late. This has never happened to me before on my prior mortgages with other banks. No other bank would use their collection department to reach a customer when the grace period is not over yet. When I contacted them and asked them to stop this they sent me a convoluted letter which did not answer my question and they kept calling after that. I want them to stop harassing their customers when they are not late and honor the grace period. What kind of a bank wants this type of relationship with its customers? I have an excellent credit rating and have absolutely NO late payment record.
I did not have any procedures performed at  XXXX   XXXX  on  XX/XX/2016   . Furthermore, I never received a bill in the mail for this amount from any facilities. This collection is now on my credit report that I have no knowledge of.
I have a consolidation loan serviced by Great Lakes. My repayment plan was a tiered approach with three different repayment amounts. Throughout the life of the loans ( repayment began in XX/XX/2004 ), I have instructed Great Lakes to apply any overages from the loans to principle of the loan ( both on coupons and subsequently in various electronic communications submitted to them ). It has been my practice to submit approximately {$100.00} extra a month above each required payment ( I eventually switched to automatic withdrawals with this instruction ). Whenever I have inquired on this point regarding paying above the loan amount with a live person, I have been told that their policy is to apply overages to interest outstanding first, then principle. Additionally, I have received statements indicating my loan is " paid ahead '' by nearly {$9000.00}, in derogation of what I have told them repeatedly in written, spoken and electronic media. I believe, based on the statements on the CFPB website, the actions of the lender are in violation of student loan regs.
Exeter Finance received an insurance check to be applied to the principal balance of my loan XX/XX/XXXX. The check was cashed on XXXX XXXX 2016 and as of today XXXX XXXX 2016, has yet to be applied to the principal balance of my loan and everyone claimed the check is not able to be located and payment denied. The company continues to charge my account interest based on the former principal balance. I have attempted to resolve this for several weeks, spoken to supervisors and sent a copy of the paid check to Exeter Finance for review and confirmation.