WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I made an application for a mortgage with Navy Federal Credit Union and paid {$18.00} for a credit report inside the Navy Federal branch XXXX Florida. I received an email which assigned XXXX XXXX as my loan officer and uploaded my documents. I waited a few days before I reached out to her despite the email saying that she would contact me. On Friday XX/XX/XXXX> I briefly spoke with XXXX XXXX who stated she couldn't get me the original loan request but if I could accept a lower loan amount she would send the loan application to the underwriters. I waited a few more days and emailed her on XX/XX/XXXX at which time XXXX XXXX responded that my loan application was denied and that I would recieve a letter in the mail. Ive been waiting on the this letter since but have not recieved one. I called the customer service phone number for Navy Federal on XX/XX/XXXX to inquire about the denial letter, I was told that XXXX XXXX would email the letter by XX/XX/XXXX as the Mortgage person could not see what the reason was. I have not received an email or letter yet regarding the denial.
I have fraudulent accounts reporting to collections : I don't know how people are getting my information but this is crazy that this is happening again. 

XXXX XXXX XXXX - Collections - XX/XX/18 - {$1500.00} XXXX Collections - XX/XX/18 - {$1100.00} XXXX XXXX XXXX XXXX XXXX Collections - XX/XX/18 - {$75.00}
On X/X/2017 I called Clay Cooley aka XXXX XXXX to pay my {$23.00} late fee for XX/XX/XXXX and make arrangement to pay on X/XX/17 I was advised they will reset gps that was beeping as reminder and can not accept payment due to the loan being sold. I asked if this is legal and express my concern that I have not sign any contract with anyone else and was not notified by Clay Cooley that this was going to take place and has via phone call or mail. She apologized and provided me with contact number and name of company that has my contract of XXXX XXXX XXXX. I called and advised I did not feel comfortable speaking with them and feel I should not have reached out for I have no signed contract with you and uncertain that this is legal, the rep then advised that a welcome letter was mailed and I should receive by the weekend and I can make arrangement to pay as I was with Clay Cooley for XX/XX/XXXX. I again expressed my concern and advised I will look over my contract with Clay Cooley and what every you mailed, try to seek attorney advise and revert back if that 's what I should. Is this legal, I did not see anywhere in my contract that Clay Cooley can sell my obligation. I 've attached a copy for review. Regards, XXXX XXXX
I am a XXXX, and I have XXXX for 14 years. When the PSLF program rolled out, we had a brief information session, so I learned about it about 10 years ago. 
I contacted my loan provider, at the time, I paid XXXX XXXX. I contacted XXXX XXXX and told them that I wanted to take advantage of the PSLF, and I was told that I had to make payments for 10 years. I continued to check periodically by calling XXXX XXXX. I trusted the company and never took notes of who I talked to or anything. 
Anyways, in 2017 I found out that my loan servicer was Navient. I contacted Navient, and I was told that they had no records of my loans. Then after about a week of calling, my loans were found, and I was told that there was no record that I was trying to take advantage of the PSLF. Therefore, all payments made did not count towards the program. I was told that if I wanted to take advantage of the program, I had to consolidate my loans and start over on payments towards the program. 

Basically, I trusted the system, and I feel like I attempted to do the correct process, and because Navient did not have records written, I have to start over on the process. This is not fair. I feel like I should have been directed better 10 years ago about my wrongdoing instead of now telling me that - just kidding, you do n't qualify because you did not fill out paperwork. At this point, I think Navient should consult/advice their clients better, and I think Navient should take responsibility for giving incorrect and/or insufficient information.
I have been having a problem with Bank of America since I filed Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Before, during and after Bank of America continued to auto draft my checking account for payment. I understand the the bank touching my checking account while bankruptcy is in process that is illegal. Did not matter to Bank of America. 
I have previously filed a complaint against BOA for not reporting on my credit files. Anyway I pulled my annual credit report on XX/XX/XXXX to see that BOA has been reporting this car note as derogatory and that it was charged off in bankruptcy, not true. I had the vehicle in this matter until XX/XX/XXXX when I traded it in to get a more economical vehicle. At that time BOA was paid in full by XXXX XXXX. I received a letter from BOA stating my loan was paid in full XX/XX/XXXX. This is correct, however they did not do any reporting to credit agencies to reflect this. 
I received a letter from BOA XX/XX/XXXX after I called to complain and it stated their credit reporting was accurate.After receiving that letter I went to BOA with, the paid in full letter, my bankruptcy report and the credit report showing them their error. I knew the local branch did not have the power to resolve this but they could get the information heading in the correct direction. 
For the last 6 years my credit report has shown this negative entry, which has hindered my ability to get credit. 
I feel BOA thinks they are above the law as they took funds from my account during the bankruptcy process. The amount is over {$1700.00} they were not supposed to get. 
The Bankruptcy Judge did not re-affirm the vehicle due to my income but the vehicle stayed in my possession until I traded it in XX/XX/XXXX. 
I can not get them to understand this information is incorrect and can not get it corrected without help. 

I have supporting documentation for this complaint which will prove undeniably they are at fault. I do not know where else to turn.
The debt was placed on my account XXXX 2015. I am currently in the process of reviewing my credit and came upon the debt on my credit report. I was not informed in writing of this debt before it was placed on my credit report. I contacted the collection company ( Enhanced Recovery ) and they could not validate that this debt was mine and they also refused to remove the debt from my credit report as well.
I had several accounts with XXXX XXXX and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account. 

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With XXXX  doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly. 

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem. 

I need a resolution asap. I pay every bill on-time every month ....
I have pictures to support my claim. Suntrust has charged me overdraft fees on settled positive balances. On XXXX XXXX, I had an ACH payment and credit card payment that has been posted on my account on the XX/XX/XXXX, but they have, on their end posted it as a pending transaction and moved a payment that was done on XXXX under the posted XXXX payments. 
I was told by the manager of Suntrust that this is a practice of theirs. To move the higher items, even though they are not posted under the lower items that are posted, and directly above deposits to pay those first. As a result, I am paying overdraft fees on items that were not overdrawn on my account. The bank manager told me that this practice is legal and how they do their banking. This ca n't be a legal practice moving items in our accounts to get over drawn payments. No way this is legal, but they told me they do this to all customers. I was warned from a coworker not to do banking with them because they do this and now I wish I would have listed. They did this same thing last month and I was given back my over drawn payment. They refuse to take those overdrawn payments off my account. I will be closing this account. Please help! 
I am sure they have been doing this all along now. Now I understand why when I check my account and it 's good then I check it again and it is overdrawn. They are moving items around in my account to get money. This needs to stop.
I called Equifax to investigate a score discrepancy, which was the recommendation of my credit union. The representative from Equifax sold me on their " Premiere paid service '', which would give me my accurate credit score. I paid for the service and monitored my score daily, paying off more than 70 % of my revolving debt. After 30 days, my Equifax score increased to XXXX, which was more than enough to qualify for a loan. The same day my credit union pulled my report, they showed an Equifax score of only XXXX, which did n't meet the minimum score of XXXX. After talking with the credit union, they recommended contacting Equifax to discuss why there was such a drastic difference in score from the same company. They sent me copies of the report pulled and the score of XXXX, which i then contacted and sent the report to Equifax. It took 6 calls, over an hour of holding and multiple emails, just to get a supervisor and his response was " the score you see on our site, which you pay for is n't what the bank will see ''. I asked him why that was n't disclosed to me before I paid for the service and his response was sorry I ca n't help you. I feel deceived, as I was sold a service that is showing a fictitious score which is completely irrelevant to a lending institution. A credit score should match across multiple sources of the same information, whether it be XXXX XXXX, Equifax, XXXX or XXXX.
Hello, I have been having trouble with my loan provider, Navient. They continuously change the terms on my account claiming lower monthly payments. Yes, this sounds tempting but I never made such request because I do n't wish to be pulled into paying more interest. They also place my account into deferment which then turns into an automatic capitalization fee. I am enrolled in school but do not wish to be in deferment because I CAN make my payments. I call to remove account from deferent and they do so but still leave their fee saying that fee is government mandated and it cant be removed. And finally, interest and principal allocations always vary every month. One month {$180.00} can do to principal, next month only {$60.00} goes into my principal. I am extremely confused with how this company allocates my money and will I ever finish paying my loans if this company is trying to keep in wrapped up in just paying interest. I have never missed any payments, give more than I should to finish paying early but it just seems like this company does n't care for me just my pocket.
Have been trying since XXXX, 2015. To get the collections items removed. 

I have asked Experian to earnestly update and remove the collection items off the credit Report. According to the provisions of the Fair Credit Reporting Act ( XXXX ( a ) { XXXX XXXX ( a ) That these items must be seriously reinvestigated and or deleted from my credit report within 30 days. as the mere reporting of items. Contacted XXXX, With complaints as well. Your records will show that I have contacted your Government Entity to assist. Trying to get my mortgage and appraisal licensing completed. 
Your assistance in this mater will be greatly appreciated. 

XXXX XXXX
Re : two addre sses in Louisiana not mine.     Though a  XXXX   XXXX  (  XXXX   ) a t  XXXX   Fraud Management Dept inf ormed me in   XXXX   XXXX   that I am not responsible for a fraudulent purchase at a  XXXX  store in Louisiana,  two Louis iana addresses are now on my consumer credit files. I have never lived nor worked in Louisiana. I have been an Illinois resident since   XXXX  .     Both Louisiana addresses should be deleted from my consumer credit files. They are :  XXXX   XXXX   XXXX ,  XXXX   XXXX , LA  XXXX   XXXX   XXXX   XXXX ,  XXXX , LA  XXXX
I made a mobile deposit on XXXX/XXXX/2017. When I checked the status of my account on XXXX/XXXX/2017 I realized a deposit hold had been placed on my check that would not expire until XXXX/XXXX/2017. This is a child support payment that I have received every month for the last XXXX years. I contacted Suntrust bank and asked if it was possible to have the hold removed since the funds have already cleared my ex-husbands account. They informed me that the hold was there because it was a new account. I explained that I was aware that it is a new account but the I work for Suntrust Mortgage and have my payroll checks deposited into the account XXXX a month, I also have not had any overdrafts on the account. I further explained that holding this deposit would now cause an overdraft for an outstanding check and that I will then be charged fees. I explained that I did not understand why they could not contact the bank to verify the funds have cleared as I did and release the hold. The quoted me the hold policy. I explained again that I have been in banking for XXXX years and understand the necessity of holds. They are to ensure that the funds are available before they release them to you. In this particular situation the funds had already been deducted for the check deposit I made and they new it was good. At this point holding my funds until the XXXX served no purpose. The funds are not in his account nor are they in mine. The bank has the money, they know my deposit is good and there is no good reason why the hold should not be released at this time. They are delaying my funds for no valid reason. I did not even receive a proper notice regarding the deposit hold until just now ... XXXX pm on XXXX/XXXX/2017 probably because of the fuss I raised when I called. Now this email tells me to ensure funds are deposited to cover any outstanding items that may cause an overdraft because of this deposit hold. I do n't have additional funds I can deposit and this {$600.00} was to last me and my XXXX children until the XXXX when I get paid. I could understand if the check had not cleared but right now there is NO just reason why they should continue to hold my funds for another week.
I reviewed my credit report and noticed that XXXX XXXX was reporting a negative trade line on my credit report ... Open collection without a balance nor who are they collecting for..account number # XXXX. On XX/XX/XXXX I mailed them a certified debt validation letter. On XX/XX/XXXX I sent them via certified mail a failure to validate letter. They received the first letter on XX/XX/XXXX... as of right now they have not responded to both of my letters. I also disputed this account with the XXXX XXXX twice and they CLAIM that the account was verified and it will remain on my credit report. I do not understand how is that so because XXXX XXXX has not responded to my claim. On XX/XX/XXXX I contacted XXXX XXXX   and I spoke with XXXX and she advised me that they received my debt validation request on XX/XX/18 and they have submitted the dispute to the original creditor. As of today I have not received any correspondence from XXXX XXXX nor the original creditor. XXXX XXXX has violated the Fair Debt Collection Practices Act and Defamation of Character. XXXX XXXX claim is frivolous as they are unable to verify this debt within time frame.
Attempting to dispute a charge and the credit card company is not doing anything and is requiring a minimum payment even though I am disputing the entire amount.
The CFPB found that Encore ( Midland Funding LLC. ) attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. Midland is to ensure accuracy when filing lawsuits. They can not file lawsuits to enforce debts unless they have specific documents and information show information the debt is accurate and enforcable. My rights under the Fair Debt Reeporting Act are being violated not only because this account does not belong to me and is being reported on my credit report, but I am now also being wrongly sued. I received a letter to contact you that was dated XX/XX/XXXX. You filed papers to sue me XX/XX/XXXX. You do n't just decide to sue someone in 2 days. It was already your intention to do so. I sent a dispute to the 3 credit bureaus informing them this account was not mine and requested Midland provide VALIDATION of this account. I have yet to receive anything. Per this court petition I am being sued for " breach of contract ''. I am demanding a copy of this contract with my signature, between myself and MIDLAND FUNDING LLC. It needs to show the original date of delinquency, the agreement that grants you the authority to collect on this alleged debt, what you paid for this account, and how you calculated the amount owed. Failure to comply will result in a private civil action torecover damages against your company. I will be contacting the FTC, BBB, and the appropriate county, state, and federal authorities, including the Attorney General 's office. My state of Texas currently has a lawsuit against you now for these exact frivolous and unfounded lawsuits against people like me. You need to be stopped.
I had 3 separate incidents where my checking accounts were compromised and I had several fraudulent charges on my accounts so I immediately called and filed fraud complaints with chase bank and was told they would issue a temporary credits while they investigated the transactions. I went on my chase app to check my balance and saw my access was denied so I called chase they said that due to the fraud on the accounts they restricted all the accounts and would closing all my accounts in 10 business days from the day they were restricted which was XX/XX/2018 and that I could go to the branch and withdraw the current funds in my accounts and they would mail me a check in 7-10 business days after they finished their investigations and closed the Accounts. I went to two different branches and they would not allow me to withdraw my Money from my accounts. They said I had to wait the 10 business days for the accounts to be closed and then 7-10 business days for them to mail me a check. I let them know my husbands paychecks, my child support, as well as my childrens XXXX payments are being direct deposited in that account and its too late to change it and they said that Ill Have to wait 7-10 days after they receive those direct deposits for them to mail us a check. This is all of our rent and bill money all of our XXXX money for our kids everything and they will not do anything to help us. We just want the money thats in our accounts and our money thats being direct deposited.
I am requesting for a removal of old addresses on my and unknown addresses that appear on my credit report. I am a victim of Identity theft. My SS Number was comprised around XXXX. I am unaware of these following inquiries the are not authorized. XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX companies above never had permisson to run my credit report. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
We had this account for years with no fees and then all of a sudden they started charging us a $ XXXX monthly fee because we did n't keep a certain balance.
I have recently obtained a BOA XXXX Rewards XXXX XXXX. 
The card lists the travel benefits like lost luggage protection, trip cancellation, car rental, etc. However their is no explanation as to which circumstances you would be eligible for any of these benefits. I am looking for the term and conditions of these benefits. I have spoken to no fewer than XXXX BOA representatives in XXXX different departments all referring me to someone else saying they can not provide that information. They can verbally tell me if I qualify but they can not send me the terms and conditions. This is fraud, who is to say if a claim is made that it is covered as nothing is written down and provided to the customer. All I am asking for is the terms and conditions of the travel benefits they have sold me in order to sign up for the card.
Huntington Bank in XXXX, WV is taking me to court over a checking account that was closed 7 years ago, they are saying the account was closed due to being overdrawn and they were assessing daily interest they are requesting a judgement of over {$1200.00}. I have received no calls, no bills, nothing in 7 years. I am working on student loans and with a consumer credit counseling agency currently as well as have had loans within this 7 year time and have a checking account I have never been told I owe this bank money until Im taken to court. I have not been contacted by the bank or heard anything of this until a process server contacted myself and also my father and scared both he and I. I have not received a call, a letter, nothing! is there not a statue of limitations? This was not a credit card but a checking account? Why havent i received a statement? Or a notice?