WillisBack/dataset-financial-user-claim huggingface dataset:
As a result of the actions by Navy Federal Credit Union ( NFCU ), which include their blatant violation of your very own Consent Order File No. XXXX, before the ink was completely dry. 
The NFCU violations not only include your item # 76, their corporate, collections and mortgage personnel went to violate stipulations throughout your court order and clearly after your court actions concluded. Please see the attachment as well as sending me whatever documentation you need from me to grant you legal consent to subpoena any and all of my NFCU bank ( credit union ) records as a result of receiving my endorsement signature. 
Although I was planning to accept an offer for a new career opportunity or me and my family, I was compelled to incur a tremendous financial loss wen selling my property in a normal sale, with subsequent elements of mortgage fraud by the greed and collusion of the following persons : Broker XXXX XXXX, License ID : XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX , XXXX , CA , XXXX and Salesperson XXXX XXXX XXXX , License ID : XXXX, XXXX XXXX XXXX, XXXX XXXX , CA , XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, both of whom conspired to each defraud me out of {$8700.00} each for a total of {$17000.00}. These actions include a devastating delay in real estate services while XXXX XXXX travelled to XXXX while I waited for her to return and complete her job. 
The violations of NCFU contributed to the result of diminishing the preferred amount of time I needed to find suitable buyers for my house which was worth far more than the lowered selling price.
I have already submitted a complain against this company, however, it seems that parties involved are inept as the complaint concluded that they " could n't identify the company ''. So here is my attempt to humor your inabilities : Valley Credit Sevices XXXX XXXX XXXX XXXX, XXXX, OR XXXX Acc # XXXX As stated in my previous complaint, I was not rendered services by this company, I 've never dealt with them in my life, I certainly did n't do business with them, yet they claim that I owe them over {$10000.00}.
As a married couple we own real estate of over XXXX XXXX in value, many of them are free and clear, but our credit report shows a credit limit of only {$420000.00}. Our current primary residence is valued by XXXX at {$460000.00} to {$490000.00}. We own a rented commercial Condo that is appraised at {$200000.00} and a single family home on 26 acres that is valued at {$270000.00}. These are the 3 properties that are financed. We also have approximately {$43000.00} in Credit Card balance. Due to the incorrect credit limit our debt to asset ration is about 70 %. that makes it very difficult to refinance. What do we have to do to correct the credit limit on our reports? Thanks for your service XXXX XXXX
I believe Experian is in error regarding their completed Investigation ( Report number : XXXX ) of a dispute I initiated regarding my personal Credit Report file. Section 609 of the Fair Credit Reporting Act ( Federal Law ) does not care if the Hard inquiries are valid or not. The dispute centers on the CRA 's ( Experian 's ) right to REPORT the Hard inquiries on my Credit Report file ( without providing tangible proof of proper verification via copies of original signed credit application documents as demanded ) NOT whether or not the Hard inquiries THEMSELVES are valid! And absent tangible proof of proper verification, the Hard inquiries would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified Hard inquiries MUST BE DELETED from my Credit Report file. Furthermore, Experian HAS ALREADY deleted 10 of the 34 disputed Hard inquiries, thus setting legal precedent for and nullifying any legal argument against the validity of my complaint.
Thank you for helping. I made multiple payments to my credit card intending to pay off the balance. When excess payments were made, Wells Fargo bank provided a refund but then added the refunded amount to my purchases ( in essence ) they gave me a cash advanced for the excess payment I had made. In addition, purchases that were cancelled were still allowed to go through by Wells Fargo and these cancelled purchases were paid. I met XXXX times with Wells Fargo and the problem was not resolved and they closed my case. In summary : payments not posted on time, excess payments not reimbursed, payment cycle continued to change to accumulate interest and web site was constantly change in-accurately inform of payment due date. Please help. Appreciate it.
This compliant is against Ocwen Loan Servicing Mortgage Company and is in reference to my mortgage loan. On XX/XX/XXXX I OVER PAID my monthly mortgage in the amount of approximately {$10000.00}. On approximately XX/XX/XXXX I contacted the mortgage company and requested that I be reimbursed for the difference. I was informed that a request would be submitted and I would be REFUNDED my money. On XX/XX/XXXX a wire transfer supposedly occurred from Ocwen and was sent to my bank account but the bank account number that the funds were sent to was an INVALID account because of a transposition in the account number. I have been talking with at least 3 different escalation managers at Ocwen and to this date I have not received my refund. There customer service is despicable. They are incompetent and non-responsive. They have provided no amicable solutions nor have they even attempted to trace what has happened. They appear to have done nothing but tell me that they are waiting to receive funds back from the bank before I can receive my refund. I have talked with the bank and the company every day practically since XX/XX/XXXX and I am getting no answers as to when I can get my money. I am at my wits ends because this is my life savings that I am waiting to receive and no one is helping me find out what is going on..
Reviewing my  XXXX  credit report and it is showing an account by  SOUTHWEST RECOVERY  SERVICES WITH REPRESENTING CREDITOR  XXXX   XXXX  I have never done business with this company . Southwest Recovery i s not even licensed and bonded in the state of texas and the information need to be removed IMMEDIATELY.  XXXX   XXXX  is also reporting on   XXXX    and   XXXX   and need to be deleted as well immediately.
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  SC XXXX. HAS AN ACCOUNT THAT HAS BEEN ON MY CREDIT ACCOUNT SINCE XX/XX/2016 IN THE AMOUNT OF {$1400.00}. I HAVE DISPUTED THIS AND IT YET REMAINS UNINVESTIGATED AND UNCHANGED.
Received a recorded telephone call from Transworld Systems Inc. saying this was an attempt to collect a debt and to call XXXX XXXX at XXXX. The US Government is paying for credit monitoring for me for the next three years because their computers were hacked last year. I get updates and free credit reports. I do not owe anyone any money and I have an excellent credit score. I am not calling these people back because I looked them up and found that they are a scam. If they want to send me information on this supposed debt then they should do that otherwise I want them to stop calling me. I want this on record with the CFPB in case they try to report me to a credit agency fraudulently. Thank you.
REF Complaints # XXXX Dear Citi Card and Federal Trade Commission!

I am disagree with the solution for the complaints # XXXX ( Attach you will find the receipt Date XX/XX/XXXX ). I would like to withhold repayment to the credit card for a particular purchase ( {$89.00} ) on which I file a dispute. Here are that merit a dispute/the receipt : X I only authorized this merchant to charge me one ( 1 ) time in the amount of {$4.00}. I did not authorize any other charges from this merchant. ( See Receipt ) X The receipt said the cost of this item only {$4.00} NOT {$89.00} or {$94.00} NO part of this receipt approve merchant send their product to my home more than once X NO part of this receipt asking the buyer cancelled to avoid future billings X The merchandise never arrived and the item never was delivered to my door.

X My number one reason to file with FTC because Citi bank manager told me more than 10 times : The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant REF to XX/XX/XXXX Reverse {$89.00} OnXX/XX/XXXX : Citi bank call and left the msg on my home phone said : There are so many fraud charge in my visa, please call back On XX/XX/XXXX : I request Citi bank cancel the visa and send me the new visa card On Tuesday XX/XX/XXXX @ XXXX : I call Citi bank regard to XX/XX/XXXX statement REF toXX/XX/XXXXReverse {$89.00} o Citi bank said : since I file as Fraud which mean some one steal my visa and order the merchant o I told Citi bank more then 10 times : I only authorized this merchant to charge me one ( 1 ) time. I did not authorize any other charges from this merchant.

The item never arrived the item never was delivered to my door.

Since the Citi left the message on my home phone about fraud. I misunderstood Fraud and dispute. I would like to file dispute now.

o Citi bank said/reply more than 10 times : You support to file as dispute NOT fraud The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant I certify that the information I provided is accurate to the best of my knowledge.
Over the past approximately six months, I have has problems receiving my mail. XXXX or XXXX pieces of credit card statements and my homeowner 's insurance bill were no delivered. This resulted in late fees plus interest charges on the credit cards and my homeowner 's insurance being cancelled. 

I spoke with my local post office twice in person and the Deliver Supervisor said she would talk to my carrier and correct the situation. I also emailed the USPS about my situation. I thought the situation was resolved until recently I received another late fee and interest charge on another Citibank credit card statement. This time I called the USPS and filed a formal complaint and was contacted by a Public Affairs specialist who contacted my local post office which verified they were aware of my situation. The specialist said she got the Delivery Supervisor 's supervisor involved and would run a 10 day test on my mail to verify things were being delivered as they should. 

As soon as I learned of the late fee being charged on my CItibank credit card statement, I called them to tell them what happened. The representative I spoke with said that it would be no problem to refund the late fee and interest charge so I paid the difference between the statement balance and the late fee plus interest charges. Only at the end of the call did the representative make it seem like there might have to be someone named and Account Services person to review/approve the late fee/interest charge refund. 

In the mean time, I signed up for online statements via email and for text alerts on my cell phone so I would know when statements were ready ( in case the mail was non-delivered again ) and so I would know if they were overdue. 

After waiting the three to five business days for review, I was told I would have to pay the late fee plus interest charges, despite my mail having been not delivered to my address and actually having been returned to Citibank ( which they verified ). And despite my explaining to XXXX, a supervisor in Maryland, the lengths I had gone through to get my mail delivery problems corrected and to set up alerts for new statements so that I would n't miss another payment date again in the future. Her response was that Citibank had made a business decision not to waive any more late fees period and that was it. I advised her of my 11 year tenure with CItibank, my mortgage with CitiMortgage and my almost perfect credit score, but she was not swayed. I do not know who is right in this situation, but I would like to complain about Citibanks inflexibility in this matter. I did what I could on my end to improve the situation, so it seems like they could work with me a little on their end.
On XX/XX/2018 I contacted XXXX, XXXX  and Transunion Customer service and fraud department to inform them that they are reporting inaccurate information on my credit reports which is affecting my scores. There are multiple credit Inquires that I did NOT authorize. I contacted the companies that reported the inquires, asking them to remove them because they are NOT authorized by me. They informed me to contact the credit bureaus in regards to having them disputed and removed. I 've been getting ping ponged between XXXX, XXXX, and transunion as well as the companies reporting the inaccurate information to no avail. I 've included a copy of my official XXXX credit report highlighting the inaccurate information. I was already a victim of the XXXX Data Breach Fiasco previously and I should n't have to continue to deal with issues like this. I am asking for assistance in getting this inaccurate information removed from my credit report because It is causing detrimental harm to my credit. I am in the process of purchasing my first home and to have to go threw this is ridiculous.
I have XXXX bank accounts with BB & T ; XXXX saving and XXXX regular or basic. My other services are BB & T checking card or ATM card, and online banking and Overdraft protection. Everything was functioning great since I opened my account in XXXX last year until one day in XXXX of this year, I was contacted in XXXX, to change my saving account type to a checking account type, based on the fact I have exceeded the withdrawals limits for a saving account per Federal regulations. I am not complaining about this fact, as it seems fair within the Federal Regulations. So, I went to the XXXX branch to resolve this matter, and was advised to change that savings account to a checking account, as not be bound by withdrawal limits. In fact, the Branch banker ( level XXXX ) said the transition will be seamless and nothing should change ( besides Yields, etc ). I signed all the new account creation paperwork and specifically asked questions on the Overdraft protection form. To my satisfaction, as to have my overdraft protected and fed from my new checking account, I signed the relative paper or form ( which I have a copy of ). Two weeks later, I started noticing that I am getting charged NSF charges for overdrafts, I thought I was protected against. To my suspicion, the bank emailed me on XXXX XXXX, almost 2 months after the account type switch/transfer. 

My complaint is that they have my signature on the alleged missing forrm/signature and that they refuse to reverse or pay me back the Non Sufficient Funds fee ( more than XXXX USD, but this number is not confirmed yet ) that I incurred because of a misplaced or allegedly missing signature or form.
I have been a Capital One credit card holder for many years. I have never missed a payment. Earlier in the year, I missed the minimum payment by mistake ( although I did make a payment ) and I did not receive any correspondence on this issue from Capital One. They have sense charged me a XXXX dollar a month fee every month sense and recently charged me late on my credit report for XX/XX/2016. As soon as I was made aware of the issue I resolved it with them. But this required me to call customer service and go digging around in past statements. I am very upset that this issue took a year to resolve, hundreds of dollars and XXXX communication from Capital One. Also in reviewing my credit card statements in trying to resolve with Capital One I could not get an explanation on why I was charged a late fee in XX/XX/XXXX when the payment was made. It just appeared on my next statement.
Loans from XXXX which I never attended. A duplicate loan from XXXX XXXX XXXX was taken out after I had left Texas. This was turned over to a collection agency and I signed an agreement, because my wages were being garnished. I never saw the details of the loans until after I signed the agreement. I just found out about the XXXX loans this year.
XX/XX/XXXX amount XXXX, I was made a dispute at XX/XX/XXXX, cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account numberXXXX, GE Capital Retail Bank.
Been paying my student loans ( XXXX now Navient ) for over 13 years on time, a while back I revived a notice from Navient stating they were restructuring/reconfiguring my loan because of the new Obama law allowing for the extension of the loan. Well I did n't major in accounting or mathematics but I understand that if you extend the terms of the loan it costs you more ( yes it may lower your payment upfront but adds several XXXX dollars in interest ). So they changed my payment structure and I told them that i did not want it changed and they said it was the " new law ''. I asked if I could renegotiate the plan and they told me that they do n't " negotiate '' the loan amount, I stated so you can change the terms without my permission but I can not negotiate my payment terms.
I was terminated by XXXX XXXX XXXX on XX/XX/XXXX.for having a dirty truck.immediately after returning from their selected doctor 's office for the annual XXXX jn XXXX XXXX, which was a reminder of the year before in which I sat at the terminal for a XXXX after and a few other days in which I was initially told that I would n't be paid according to my dispatcher " XXXX '' at the time. However, XXXX XXXX later relented and put {$150.00} on my card. Unfortunately, the year XXXX did not end so well for XXXX. XX/XX/XXXX he decided to make some disrespectful comments to me by saying I was " acting like an XXXX '' in front of a witness XXXX XXXX my current dispatcher at that time. XXXX had earlier givrn me the letter head paper to write XXXX XXXX up on which he had refuse to sign and stating he had called XXXX XXXX about what he had done. XX/XX/XXXX came and the safety department of XXXX shut me me down due to the lack of eye wear. After arranging another person to drive a company vehicle I was escorted around town to the local XXXX to retain some eye wear. After sitting a few more days I was told to go with my dispatcher to XXXX XXXX to get another pear of glasses because the glasses from XXXX were taking to long and XXXX XXXX could get my XXXX within an hour. The following day I was again driven to the doctor 's office to complete the DOT physical. After a sucessful completion of the XXXX I was told to report to XXXX 's office at which time I was immediately terminated for having a dirty truck. I was told that they would empty out my property and was told standby and watch. Afterwards, I was driven to the airport to get a rental car with XXXX 's permission. I returned to the XXXX XXXX terminal to retrieve some of my items. XXXX days later I returned to get the rest of my property. I later went to work for XXXX XXXX, XXXX XXXX. and In XX/XX/XXXX I went to work at XXXX XXXX XXXX XXXX for XXXX weeks at which time adverse action took place. I was told by the Safety XXXX XXXX XXXX that I had lied on my application and I told him in front of the HR women that I did n't. XXXX proceeded to say that I had failed a XXXX or refused to test in XXXX and asked who told them that at that time the HR woman said XXXX and I asked if I could see it she said " No '' then I said I 'd taken a XXXX XXXX in XXXX and I then asked for a copy of threir report and I was denied. However, XXXX did give me copies of why I had been terminated by XXXX XXXX XXXX XXXX basically saying I had lied on my application which was n't true. When I returned to XXXX I contacted all parties. The majority insisting on adjudication on this matter.NECESSARY DOCUMENTS WILL BE FAXED UPON NOTICE Thanks XXXX XXXX XXXX
For one, I am a US XXXX vet under the old GI bill ( XX/XX/XXXX-XX/XX/XXXX ). Went to college under the old GI. Before college was completed the old GI was canceled thus had to get loans to complete college. I was laid off three times as a XXXX XXXX XXXX thus XXXX income. Sallie Mae/Navient would not help unless I got forebearance. Why was a deferment not afford? ( no one can answer me that question ). All that did was add {$30.00} to a loan of around {$40.00}. I graduated in XX/XX/XXXX and my loans are not even going down even after all this time paying each month. I am XXXX years old and getting close to retirement. How can any one retire with this over my head. You can not tell me that I have not paid back the original amount by now. Also our house hold income has come down at least by a 1/3. Wife has become XXXX and can not work plus she just had a XXXX XXXX removed three weeks ago. So in turn it is pay student loans each month or get and pay for medical help/expenses. No one seems to help anyone. I need some help. I have already spoken to US Department of Education about me not getting any help and got a letter from them. They said to contact the CFPB if needed. Add me to any lawsuit concerning Navient.
I have notified enhanced Recovery Company that I am disputing this debt and that it does not belong to me, and they have not provided any verification of debt information and refuse to remove the item from my credit report.
After graduating in XX/XX/XXXX, XXXX XXXX was my loan provider through XX/XX/XXXX. All payments were made on-time and applied towards the PSLF program. Upon transferring to XXXX XXXX, when I received my PSLF qualifying payment update on XX/XX/XXXX, I noticed that they only counted one payment for the entire year spanning XX/XX/XXXX to XX/XX/XXXX. I contacted them on four separate occasions over the past year to have this rectified. They reported that it was a mistake due to the transfer of the loan and they would provide me with an updated copy showing the appropriate payments that were made through AUTO-PAY, on-time each month. I have yet to receive this document, even after contacting them multiple times for it. They reported that they were " behind '' but a year later is unacceptable.
On XXXX/XXXX/16 received notice from PNC Bank of delinquent account for XXXX. Contacted PNC Bank and received agreement dated XXXX XXXX, 2016 for payment of {$30.00}, which was accepted by PNC Bank for payment on account for XXXX/XXXX/16. Received letter dated XXXX/XXXX/16 from PNC Bank informing me the account was no longer permitted to be drawn on. This is not correct, PNC Bank entered into an agreement prior to the decision of XXXX/XXXX/16. Asking for account to be returned to unrestricted status.
Randomly generated answer on Equifax website persuaded me to sign a document that may be in accurate. Coercion.