WillisBack/dataset-financial-user-claim huggingface dataset:
I fell behind on a car loan with USAA and the bank froze my access to my checking account. I had no idea what the balance was and it led to a number of insufficient funds charges. I saw this article this morning XXXX and after reading this article, I believe this is what USAA did to me.
A foreclosure action has been undertaken by Signature Banker against two apartments XXXX and XXXX located at XXXX XXXX XXXX, XXXX XXXX which we own as XXXX XXXX and XXXX XXXX XXXX. 
Beginning in XX/XX/XXXX, Signature Bank instituted a foreclosure proceeding against us based on faulty accounting information which Identified us as delinquent by over two months. In addition, the bank levied substantial foreclosure fees against us and wouldnt accept any checks we gave them for regularly monthly payments. 
We sent to the bank a full detail of all the payments we had made with copies of checks. Initially the bank ignored our submission however, after a complaint was made to the CFPB, the bank acknowledge that it had made an error. 
Thereafter the bank sought to correct the charges relating to the payments however, it refused to remove any of the costs associated with the foreclosure. 
Again, we sent a protest to CFPB in which we noted that the foreclosure was due to the Signature Banks erroneous accounting and levying any charge when we never should have been put into foreclosure was improper. 
We received statements from the bank in the middle of XX/XX/XXXX which appear to show the removal of the foreclosure charges. The statements had a due date of XX/XX/XXXX and showed payments due under the loan of our debt obligations through XX/XX/XXXX. It also stated that If payment is received after XX/XX/XXXX that a late charge will be incurred. Since we received the statement in the middle of XX/XX/XXXX, it was improper to charge us a late charge when we had little chance of making the payment prior to the date identified on the statement. 
In a letter sent to us on XX/XX/XXXX relating to a complaint we filed with the CFPB on XX/XX/XXXX, Signature Bank advised us that our complaint was not relevant to the foreclosure actions and stated that the bank intended to continue to charge all costs associated with the disclosure to us. The letter continued to insist that the action was initiated because of our failure to pay charges due to the bank that were due in XX/XX/XXXX. This is particularly distressful since the bank had already admitted that it had made an error and had sent us statements in XX/XX/XXXX in which these costs seem to have been credited to our account. 
This letter further stated that the Bank will not accept any monies from us unless the full amount including legal and foreclosure fees is fully paid. 
As you are aware, we have called you and advised of our concerns. We also told you that we are prepared make an immediate payment of the full amount that is owed including the charges for XX/XX/XXXX ( for which we have never received a statement ). 
For apartment XXXX ( account # XXXX XXXX the balance including the XX/XX/XXXX installment is {$21000.00} For apartment XXXX ( account # XXXX the balance due including the XX/XX/XXXX installment is {$5700.00} The total amount currently due {$27000.00}
I opened up a Macy 's credit card in XXXX XXXX. I did n't get a bill in XXXX XXXX and called the credit card to talk about the reason and the payment. Through arguments, they agreed to provide an adjustment. At that time i requested the credit card to be closed based on my bad experience. several month later in XXXX i receive a bill from Macy 's of interest on XXXX balance and late fees for the interest that are unexplainable and my credit card was never closed back in XXXX per my requests.
I have called and sent many letters to have incorrect addresses removed from all Credit Bureaus and disputed incorrect information on reports and keep getting told they are verified but havent gave me no verification of account accuracy.
I have contacted and sent a dispute letters to the companies regarding that I never opened these accounts. However, they refuse to remove them from my credit report. I was incarcerated doing the time these account were open
On XX/XX/XXXX I answered an ad on the computer for XXXX XXXX XXXX from the XXXX XXXX company it was an introductory offer, I paid less than {$5.00} for each one I received them 5 days later, on XX/XX/XXXX I saw two charges made on my credit card that weren't made by me I immediately called the XXXX XXXX XXXX to report this the charges were {$84.00} and {$89.00} I filed out the dispute form and sent it back, they closed out the dispute without even trying to get the charges taken off, I made several calls to the Bank and got nowhere, on XX/XX/XXXX I had two more charges on my credit card the first two charges that were made I never received anything on XX/XX/XXXX the two charges were {$89.00} and {$93.00} again I called the XXXX XXXX XXXX and I filed out another dispute on XX/XX/XXXX I received a package from the XXXX XXXX company I took it to the post office and sent it back refused they received it back a few days later, I asked XXXX XXXX to remove the charges and they sent me a letteron XX/XX/XXXXtelling me they were mine so I am stuck my credit score has dropped and my life has been ruined because of this my only source of income is social security, I have sent a complaint to the XXXX XXXX XXXX and to date nothing has been resolved I am in hopes that you can help me as a result of this I have had my credit card maxed and several charges put on my credit card from the unpaid balance.
Wells Fargo has placed a 10 day hold on a deposit, causing {$140.00} in over drawn fees. The Check has cleared the sending bank, but Wells Fargo will not honor the check and will only refund a quarter of the fees. They are telling me that it is not a bank error that they have not collected the money yet from the sending bank.
I never bought anything from this company it was a frauglant charge.. I never paid it. Because I was never aware of it
XXXX/XXXX/XXXX XXXX XXXX with with XXXX XXXX XXXX threatens to sue and suspend license for unknown debt.
There are incorrect addresses and names on my credit report. 
There is a name of XXXX XXXX on my report - I do not know a XXXX XXXX. 
There are addresses on my credit report that I have never lived or resided. 

I have formally requested my address and name be updated on my report and I received a copy of my XXXX  and Equifax with the information unchanged. 

XXXX  has updated my information with my correct name, employer and address.
Ocwen Mortgage.

I refinanced my loan in XX/XX/XXXX with Ocwen. It was a refi which my assumption was through the government, at least thats what they lead me to believe.

I was in a subprime loan ( don't ask me how that happen but it was a family friend who said " He Was Going To Help Me Out ''.

I had put down over {$100000.00} on the home and trusted my brothers friend, that he was doing something good for me.

I did get a refi loan for 2 % fixed till XX/XX/XXXX which was great because from Ocwen and was led to believe that there was no balloon payments near the end of that loan.

I even file a complaint with your bureau during that time because they would not give me a straight answer.

You guys got involved during that time XX/XX/XXXX, and the end result was and your bureau and my wife and I concluded, that there was no " balloon '' payment on the maturity of the loan.

I am finding out that this may not be true, yet all the paper work I have from Ocwen does not mention in any way shape or form anything about a balloon payment whatsoever, and when I question my account manager XXXX XXXX, he told me several times that there was no balloon payment.

I never missed a payment with my mortgage not once till reps a Ocwen told me in order to refi and get this government back refi so I did, got the loan and though everything was good.

2 % fixed till XX/XX/XXXX sounded great, but now that I believe that there is a balloon payment it does not sound so good.

Can you help me once again.

Thanks XXXX XXXX
On XXXX XXXX, XXXX, all of my student loan and fafsa money was transferred from my account without my consent. I contacted Wells Fargo the minute I received the email saying all my money was gone. They opened up a claim and when I called on XXXX XXXX, XXXX, they informed me that the wrong type of claim was opened but they would open an online claim and it would be resolved within 10 days. My rent is due on XXXX XXXX, XXXX and they sent me to a branch to get a provisional credit. The branch XXXX advised me that I could not get a provisional credig but I could apply for a new student loan. I did not find this very professional as they have caused me to be without money to eat or pay for my necessities.
Please help me understand how the balance for my Navient Loan number  XXXX  increased since the first letter to the Consumer Financial Protection Bureau on  XXXX   XXXX   XXXX .     Date Loan  XXXX  Loan  XXXX  Total  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00} The following are the loans I have through Navient :  XXXX  number :  XXXX  ( subsidized ) *Loan number :  XXXX  ( unsubsidized ) The original principals were {$73000.00} for  XXXX , and {$130000.00} for  XXXX . I consistently made payments to these loans since  XXXX  when I returned from  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  and   XXXX   XXXX  .
I am writing you to discuss a disreputable collection agency that has submitted incorrect collections information to XXXX, XXXX, and XXXX about an account that I had at a dentist 's office. 
I have disputed the information with the credit bureaus multiple times, but I keep getting a form letter telling me the information has been verified. 
In an attempt to deal with the collection agency directly, I wrote them on XXXX XXXX 2015 explaining that I dispute the amount owed and requested information proving that I owed the debt and that I agreed to assume the debt. 
The collection agency only provided me with an inaccurate statement which did not include payments made. The statement did not include why benefits were not paid by my insurance. It did not include steps they took to settle this debt with my insurance company. 
Their incorrect entry on my credit report has caused multiple issues. I have been denied credit. I have also been given less favorable terms due to this collection account. 
I am writing you in hopes that you may help with this matter.
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EQUIFAX has been reporting incorrect information on my credit report for XXXX XXXX/XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EQUIFAX regarding the XXXX XXXX/XXXX account, which was received by the EQUIFAX on XX/XX/2018. On XX/XX/2018, EQUIFAX responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EQUIFAX that any automated response or e-oscar verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EQUIFAX has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
Collection Services of Athens , Inc . XXXX XXXX XXXX XXXX, Georgia XXXX Local : ( XXXX  ) XXXX  Toll free : ( XXXX  ) XXXX Fax : ( XXXX  ) XXXX  This company has placed their name on my credit report XXXX and won't remove it Two separate acts I don't owe the dr called me from XXXX XXXX AT XXXX stating my acct was paid in full I had insurance XX/XX/XXXX/XX/XX/XXXX But maybe due to XXXX   breaches someone has placed this collection on my report Dr says he don't use coll of Athens anyways! Please forward to state attorney!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX   Social Security : XXXX Date of Birth : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Inquiries ) : XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX
I recently discovered that in early XXXX 2017, the company reported negative information to the credit bureaus regarding a debt I have no knowledge of. I have never received any correspondence from the company and have no idea who they are or who the alleged original creditor is.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately. 

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : XXXX XXXX XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
This is in response to XXXX XXXX pathetic attempt at dealing with my complaint. their response to my cfpb complaint is a true example of exactly how inept this company is. They didn't response to even a single complaint I have. Their response is useless so I will try again until they actually do something. 

I submitted multiple requests via phone and email about an issue regarding reapplying for income based repayment plans. I spoke with someone over the phone who couldn't solve my problem so I requested he tell his manager I wanted someone who can help me to contact me directly. To be safe I also  emailed XXXX XXXX twice and have the emails stating they received my email requests. I did not hear back and so decided to complain to XXXX. After not getting any response back on that it was clear that XXXX XXXX   doesn't care about their loan holders in the least bit and contact with them is impossible. Finally after having to complain to XXXX, I got a letter stating to expect a letter regarding my issue as well as a contact person who would be able to help. Its awful that I had to complain to XXXX to get even a poor response. The letter they sent was full of blatant lies and did not address my concerns. I also was not given a name of a person in the letter and there was no contact information of who I could respond to. There is no way for me to respond!!!! I complained to Federal Student Aid who emailed me tonight stating my case was closed to and to expect their actual response in the mail in 10 days. I have since filed another complaint since they are ignoring my complaints and not responding in an appropriate or efficient manner. XXXX XXXX is impossible to get responses from despite repeated requests for direct contact. They never respond and their only responses have been now and in the past blatant lies without any accountability for their inept service. I feel as though my financial future is not in safe hands and is in danger. I would like to request my loan servicer be changed to one of my choosing. If this can't be done I would request that legal action be taken against XXXX XXXX for documented lies in their responses and blatantly ignoring my repeated requests for help.
I disputed 2 accounts with Experian on XX/XX/2018. I paid XXXX XXXX past due bal and they failed to report account from derogatory to current and actively still paying on the acct. XXXX XXXX never provided a statement showing where I owe the charge off. Acct says paid in full / {$190.00} written off Ive made payments on the account. I need a statement. These items with affect my report for 7 years. At least update the information. Please report last payment.
I am Filing a complaint against Equifax, Equifax is reporting in accurate information on my credit report for XXXX that is not my bill this car was total lost and the car dealership is still reporting that I have the car the insurance company has paid them in full and this is affecting my credit score this case was bet in court I own them {$0.00} dollar on this car loan
Account sold to third party from XXXX XXXX and now it shows incorrect information regarding balance and last payment date.
I had a signature loan with this company and when I went in to make my payment I was told that I had to covert over to their flex pay loan. Initially If I made XXXX payments I would have the loan paid off. I was tricked into changing over to this new loan with them. I was under the impression that I would still have the loan paid off when I made my XXXX payments. When I went in to make my last payment I was thinking that I was paying the loan off and the balance was still XXXX dollars. I feel that I was deceived and forced into a loan that I did not want. Full disclosure was give. I 'm a victim of deceptive predatory lending. I know the law has been broken
OnXX/XX/XXXX I visited the Chase branch located at XXXX XXXX XXXX, XXXX, NY XXXX. Prior to my visit, I had done my research on the different account types and their bonuses. I decided to open a Chase Checking account, but I was unsure as to which one I would pick so I decided to see if the banker could help me. Upon visiting the branch, I spoke to XXXX XXXX, one of the bankers working that day. I told her that I wanted to open a Chase Checking account and that I had a coupon code. She took my info and filled out an application for a Chase College Checking, since I just started college. After the process was complete, she told me that I just had to make sure to have a direct deposit made to this account totaling more than {$500.00} within 60 days in order to receive my {$200.00} bonus. On XX/XX/XXXX FAFSA sent a tuition refund as a direct deposit of {$750.00}, which more than satisfies the terms. However, Chase website said I would receive the bonus within 10 days. When I did n't receive the bonus, I called Chase customer support, and they informed me that the coupon code was never applied at account opening. When they tried to open it, they were unable to so they redirected me to the branch that I had opened my account in. When I went to visit the branch the next day, the banker told me that I was n't eligible for the coupon code, because I was n't a new Chase bank customer. When I asked her to explain what that meant since this was my first and only account with chase, she just said the same thing again. I left the bank and called customer support once again later that day explaining the situation, and they transferred me to a higher up. She then informed me that my the coupon code could not be applied to a Chase College Checkings account, but rather only a Total Checking Account. I then tried to explain that the banker assured me I would receive my bonus as long as I had a direct deposit made. I was then told that there was nothing they could do, and it was the branches decision whether or not to reward the bonus. After reviewing all of my steps, I do realize that part of it is my fault for not researching well enough. However, I do believe that I was purposefully mislead. The supervisor I spoke to informed me that at account opening, the coupon code would not have worked since the type of account I was trying to open was ineligible. However, the supervisor also says that the system will inform you if and when the coupon is n't eligible. Instead of telling me, the banker proceeded as if there were no issues and allowed me to open the account.
I received a message on XX/XX/2018 from my Aunt ( who has a private phone number ) and she said someone who didn't identify themselves called her looking for me and when she said who is calling they said they were calling from " XXXX '' and left a phone number for me to call them back. The number being XXXX. I recognized this number as it had called me on Tuesday, XX/XX/XXXX at XXXX XXXX. They did not leave a message. I looked up this phone number and it belongs to a company called Convergent. It is not a company that is listed on my credit report nor do I know what this is about. I did collections for 17 years and I believe they have violated the FDCPA as it states a collection agency can not call a relative if they have your phone number which they clearly do. And they keep calling my number. Also when they called my Aunt they did not identify themselves.
Payment was made to XXXX XXXX XXXX ( have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at XXXX time, XXXX gave me a credit of 5 % on the total bill. ( from XXXX to XXXX ) Received notice from collection services two weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary ( no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX.