WillisBack/dataset-financial-user-claim huggingface dataset:
My student loans were bought by Navient several months ago. I am on an income-based repayment plan and have been since XXXX. My payment is {$390.00} per month. My IBR plan application renews every XXXX and I always send my application in extra early. This year I faxed my application with income verification to them on XX/XX/XXXX. On XX/XX/XXXX, I received email confirmation from Navient that they received my application and that it would take 32 to 35 business days to process. Recently, I received another email from Navient stating that my payments were increasing to {$880.00} per month. I tried to email Navient and the email came back to me, stating that I could not respond to their email. I tried calling Navient and did choose IBR plan on the phone tree, hoping to speak with someone, but instead, got an automated message stating only that I could download the application from their website. I didn't need an application, as I had already downloaded one from their site and faxed my IBR app to them two months previous. There were no options on their phone tree to speak to a CS rep ( I tried pushing zero and using voice activation to request to speak to a rep but the call was simply terminated ) or communicate via email with Navient customer service about this issue. On XX/XX/XXXX they have the ability to take {$880.00} out of my bank account without my permission and after apparently not even processing my IBR application or making any attempt to get in touch with me if they did! I can not afford this payment and have no way to speak with Navient about it. I feel this is extremely unethical and egregious. I am including the email Navient sent me on XX/XX/XXXX stating that they had received my IBR application. If there were any problems with my application, no one ever contacted me from Navient. I simply don't believe they've ever processed my application. It's no wonder that attorney generals in seven states are suing Navient for unethical practices! Since Navient refuses to offer a portal to communicate with their clients, I am requesting CFPB fully investigate this matter with my Navient account. 
Thank you very much for your attention to this case.
I want to keep my Chase Amazon credit card open and in use. I 'm still using it to pay all of my major financial bills. I do n't want or have the time to make the changes to another account or credit company. Please help me ; my bike are going to be due soon and it will be difficult for me to switch new cards and accounts. Thank you.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30day mark and can not verify these accounts, under Section 611 ( 5 ) ( a ) of the FCRA - they are required to '' ... .Promptly delete all Information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible.Thank you.
THIS IS NOT A DUPLICATE COMPLAINT. 
PLEASE SEE DOCUMENTS ATTACHED! 

Dipusted two accounts by Transfinancial on XX/XX/2018. I have no knowledge of these accounts. I disputed the accounts with amounts {$2000.00} & {$61.00} via certified mail. The company sent back ( XX/XX/2018 ) a reply that did not validate, break down the debt, or contain my signature. The FCRA gives the company 30 days to allow me to validate the alleged debt.. Under the Fair Debt Collection Practices Act, I requested that the company allow me to validate the alleged debt by providing me with a breakdown of all charges, dates of service and procedures given including fees associated. Transfinancial failed to supply me with rightful information attached is the copy of letters that were sent to TRANSFINANCIAL and the letters sent back to me.
Barclaycard talked to me on XXXX XXXX, 2016 informing me that there had been a payment that did not go through to them on my autopay ( though funds were always available and nothing changed on the side of my bank ) on my barclaycard XXXX XXXX. When I spoke to them on XXXX XXXX, I made a payment immediately by telephone which cleared my bank on XXXX XXXX as suggested by the barclaycard associate on the telephone. Barclaycard had never sent me anything in the mail to inform me that there had been any difficulty with the auto-pay or that any monies were owed because of it. The associate told me that my payment of {$91.00} would put the account back into good standing - protecting my credit and giving me the opportunity to continue with my barclaycard XXXX XXXX. In good faith and taking the company at their word, I made the payment. Today, XX/XX/XXXX2016 I received a letter from Barclaycard dated XXXX XXXX referencing a credit report that they pulled on me ( without prior authorization ) that was dated XXXX XXXX, 2016. The letter stated that based on the information that they had on XXXX XXXX that my account was to be closed. Regardless of already possessing this information, barclaycard coerced me into making a payment after the date of the report under the pretenses that my account would be in good standing. Needless to say, that was a lie to simply collect the payment. 

I am concerned that in an attempt to collect on a debt that barclaycard and its employees knowing lied to me about the effects of making a payment while already possessing foreknowledge that the account was slated for closure. I believe that a collection violation and fraud has taken place in the knowing misportrayal of the situation to me by barclaycard.
XXXX 2014 LenderLive purchased Loan from Prime Lending, at that time I made XX/XX/XXXX Payment to XXXX. After few months I went to re fianc and found out that Lender Live was saying that I was Late, after doing our investigation we realized that XXXX never forward payment to LenderLive. They agreed and told me they would fix it, it has been 6 months and nothing except phone calls that I am always 1 month late, I am going to attach my payments and XXXX payment. I went to re fi and found out that my credit score of XXXX is now XXXX because of Lender Live, this is unfair and I ca n't event get new loan cause of them. I have never missed a payment and I am being harassed by them.
I had 3 fraudulent charges from my Chase Checking account. Chase reversed the first 2 charges and not the third saying their company policy is to only reverse the first 2 charges because they have a 60 day time limit. The 1st charge was {$54.00} in XX/XX/2018, the 2nd charge was  {$180.00} in XX/XX/2018 and the 3rd charge was {$530.00} in XX/XX/2018. I can't get passed anyone at Chase because all they are telling me is that it is company policy. When I originally filed the claim they told me it had to reported within 60 days which I thought I did seeing I filed the dispute in XX/XX/2018.
I have sent the application to apply f or Income Based Repayment 5 times. Every time I wait a few days and call to check if they have it ( when it w as mailed - I waited a week ).     I faxed a paper copy  XXXX   XXXX  to  XXXX . I called on  XXXX   XXXX  - they said they had no record of my fax and to try the online application.     I submitted my online application on  XXXX   XXXX  at studentloans.gov. I called  XXXX   XXXX  and they told me they could not see any record of me accessing the site - they asked me to mail it.     I mailed a copy on  XXXX   XXXX  priority mail. I messaged them on  XXXX   XXXX  and they again told me they had no records.     I finally emailed them a copy of the application this morning and got a response telling me that they finally can confirm I accessed studentloans.gov but that I had not submitted the supporting documentation ( which was included in the email ).     I have now sent another email with the PDF application and supporting documentation but my deferment period is ending  XXXX   XXXX    XXXX  .     I need someone to help me make my servicer process my application and documentation that I have submitted multiple times through the last month.
I contacted All 3 credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XXXX XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.
We had no communications about medical debt ( s ) owed.

Collections company " Online Information Services '' ( OIC ) claims we owe > {$2000.00} on services rendered in 2013 by originating creditor " Diagnostic Imaging ''. They started reporting this debt to credit reporting agencies in 2016. We had no one contact us about such debt at all in the past 5+ years. It just started showing up on our credit report. 
XXXX refused to provide phone number or address of originating creditor. They provided account # from originating creditor - but upon calling the supposed original creditor, that account never existed. 
Upon calling originating creditor, they stated that account # was not a real account # and that we never had services for the claimed amount ( > {$2000.00} ), and that they do not send debts to collections ( they do their own collections ). This debt never existed for us, and is fraudulent debt attempted to be collected.
After sending information to verify myself with my disputes XX/XX/XXXX, as of today Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from investigations. Please see items below ACCOUNTS XXXX XXXX  XXXX  XXXX not mine XXXX XXXX  XXXX XXXX never late INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized
I added an external account to my Chase checking account. I subsequently transferred money from the Chase Checking to the newly external account. I received a text message from Chase to confirm the transfer, which i did via responding text. To my horror I discovered a week later that not only did Chase reject the transfer AND THEN CLOSED the external account WITHOUT my permission. Nor was I informed that they closed the external account. Then Chase locked my account from online access due to activity frequency. Upon inquiry I was told they dont know why this happened. And that I now have to go through the ENTIRE process again to reestablish the external account - that they closed! and they were unwilling to provide me contact information for Fraud or Operations officers to rectify the situation.
Excessive over 700 % I keep getting calls from live person or robocalls saying I owe money # XXXX I received over 30 call from two mos ago I told them to stop but still calling
While searching online to consolidate some loans I had, I came across information that said some of the loans I had were actually illegal in my state. I searched and researched some more, and found a non-profit that helped me to understand that the loans I had were void in my state of Virginia, and why. They also alerted me to the fact that under XXXX rules, I could request that my bank refund what I had paid to the lender of the void loans, because they were not valid and I never gave true authorization, because I did n't know the loans were void, and the companies neglected to tell me. I wrote a letter to my bank with all of my documentation on the fact that the loans were void, and also put in an affidavit through their system to get my payments returned to me. I was told that I had to submit their form, but I also went into a branch to and fax delivered my letter and accompanying documentation. XXXX the XXXX, I had spoken with a woman who said that even with the documentation, they could only get 60 days of payments returned if approved. I told her that I would still like to request the entire amount that I had paid, because I thought it was wrong for XXXX to offer loans that were void for me. She told me to fax the information ( letter and documentation XXXX to a number that would handle the request. I faxed the paperwork on XXXX XXXX. The day after I faxed the information, I went into a bank branch to close that particular account ( not changing anything about my other accounts ) and hand delivered the same paperwork and asked that it be submitted that way to be sure that my paperwork made it to whomever needed to see it to deal with my letter and request. At the branch, I spoke to XXXX XXXX, the XXXX office personal banker. She made a copy and assured me that it would get to the right place. Since then, I have heard nothing about my request. I thought I was supposed to have heard back from them by now, 15 days later or at least an acknowledgement of receiving my information and a time frame for response. I did not want to badger them, but I think I should have heard something by now or at least know that they are working on it or would get back to me in a particular time period. Hearing nothing makes me think that they may have misplaced my request, or that they can not follow XXXX guidelines which specifically reference online loans. I was also told, and put in my letter a reference to the Electronic Funds Transfer Act, which also allows for the return of payments on void loans.
I have a mortgage with Nationstar. The company has XXXX my ability to make online payments- for no reason. I am currently working overseas, the inability to make an online payments seriously jeopardizes my ability to pay on time or at all. The payment terms of my mortgage also changed when they took it over from XXXX XXXX XXXX. They began charging me service fees to pay online, have been constantly showing me with an additional fees owed which can never be paid through the online option and have not been accounted for during the annual mortgage evaluation and adjustment of payment.
We filed a travel insurance claim with Citi Cards, due to travel delays on a trip to XXXX in XXXX 2015. We were denied the claim as we had used XXXX/Citi cards miles to obtain the flights for this vacation. In the Citi cards literature it states that you must pay for the trip with the card to get travel insurance benefits, but it does not say that you can not use frequent flyer miles to get that benefit. We had paid for everything on the trip with the Citi card. While this travel insurance claim was minor in dollar value, I am far more concerned about the larger implications of this deception. For example, I recently traveled to XXXX and relied on Citi 's documentation on rental car insurance coverage ( including a coverage letter from Citi ) and therefore, declined the rental car company 's insurance. Had I been in an accident in XXXX and incurred significant costs for damage, I would now be liable for that cost, as again, I used frequent flyer miles for the plane ticket. ( note that the trip to XXXX was prior to Citi denying the earlier claim ). What is so misleading about Citi 's advertising is that the frequent flyer program is XXXX of the same benefits that Citi and XXXX XXXX promote with their card, in the same advertising/documentation as the travel insurance benefits - so one would expect that people would use miles to pay for some of their travel, which in turn, invalidates any later travel claim.
Received a voice mail on XXXX XXXX, from ( XXXX ) XXXX which is a number for XXXX XXXX XXXX asking for information about myself. Having never been involved with this company I called the number back, turns out it was FMR, a debt collection agency calling me using a " spoofed '' number claiming I owed some sort of debt to " XXXX XXXX '' in XXXX, TX. No details were provided about this supposed debt, nor is there even a " XXXX XXXX '' in XXXX! In addition, they had the last 4 of my SSN and birth date. I have never been to a XXXX XXXX or any high interest loan company in my life, so this may also include an attempt at identity theft. Therefore I am placing a 90 day fraud alert on my credit and filing a complaint with the CFPB.
The person calling from XXXX is stating to be calling from XXXX XXXX XXXX collecting a debt. Contacting XXXX at their real phone number. They stated that it wasn't them. 
This individual is pretending to be XXXX XXXX XXXX trying to get personnel information over the phone.
I applied for a loan of XXXX , but it wasn't entirely clear what the fees were until after I received the funds. I received a call, and the caller hastily went over the agreement which made it difficult for me to entirely understand what the fees were. 

On their website, my profile states that I have a monthly income of XXXX . They never requested a paystub or any kind of proof of income. I earn XXXX $ Bi-weekly and don't know how they came up with this number. I do not have the ability to pay back this loan with my current income. 

I would like to know what my options are and would greatly appreciate assistance with this.
Hello, When setting up my  " One Deposit Checking '' account with Citizens Bank, I specifically opted out of " overdraft protection. '' However, I received two overdraft fees of {$35.00} each, so I contacted Citizens Bank but received no help from them. If I have opted out of overdraft protection, why am I receiving fees? They seem to be quick  to tell me I ca n't be helped!     Thanks a  million for l ooking into this!     Thanks,  XXXX
On or around XX/XX/XXXX I signed up for a six week subscription to our local newspaper XXXX XXXX XXXX XXXX for {$29.00} -On XX/XX/XXXX I called to XXXX XXXX about an unauthorized charge for {$24.00} on my credit card, I called canceled my subscription before the end of my six week trial and requested a refund for the unauthorized charge. My paper stopped being delivered shortly after this call. I noticed a 2nd unauthorized charge for {$29.00} on XX/XX/XXXX, called again to inquire about the unauthorized charge. On XX/XX/XXXX I complained to my credit card company. My credit card company declined my claim because I could not prove that I canceled the paper. I shared that I canceled via a phone call and paper stopped being delivered.
I was told if I paid this debt they would remove the account from my credit report. They still have not done this and I have paid it and disputed the account. I want this removed from my credit report like the debt collector promised.
We moved out of an apartment ( 600sq ft ) back in XXXX XXXX where we used XXXX XXXX for our electricity. Within a year, our bill went from around {$60.00} up to {$200.00} with no reason. When we moved, I canceled our service with XXXX. They tried to charge us over {$300.00} for doing so when they had already ripped us off on our monthly bills. I conveyed this to the original collection company back at the end of XXXX and heard nothing after that. It was removed from my credit report earlier this year but is now showing up again with a date of XXXX XXXX, XXXX under XXXX. There is no reason I should have to pay this amount for a company I havent used in over 2 years that gave no reason that I was significantly overcharged. If anything, they owe me money back.
On XXXX/XXXX/15 I purchased XXXX Reload-IT cards from XXXX with values of {$500.00}, {$500.00}, and {$310.00}. 

On XXXX/XXXX/15 I purchased XXXX Reload-IT card from XXXX with the value of {$300.00} On XXXX/XXXX/15 I added all of the Reload-IT cards to my Reload-IT wallet, at https : //reloadit.com/ using my userID XXXXXXXXXXXX. Later in the day on XXXX/XXXX/15 I attempted to login to my Reload-IT wallet at https : //reloadit.com/ and received this message " Your Safe has been blocked. Please call XXXX XXXX XXXX XXXX ''. Upon calling the XXXX number, I was told that my online wallet was locked, and that I needed to send in proof of purchase for the XXXX Reload-IT cards before I would have access to my balance. I submitted all of the required documentation XXXX/XXXX/15, including original copies of the receipts, scratched off reload-it cards, my drivers license, and a copy of a bill to prove my address. 

On or about XXXX/XXXX/15 Reload-IT told me that my funds would not be accessible with no additional reasoning. 

I am out {$1600.00} that they locked in my account with no explanation.
TD Bank services my mortgage and taxes/insurance are escrowed. TD has failed to pay and remit timely payments for property insurance. There is more than ample escrow funds, mortgage is current and there is no reason to explain this issue. Contact was made on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 to resolve this issue. 

On each date listed, TD Bank has assured us that they received the insurance bill and that payment would go out overnight. They failed to complete this simple task and the injury is that insurance cancelled on XX/XX/2018 after 30 days of non-payment. In order to avert cancellation, I personally paid the insurance for one quarter ( even though TD Bank is supposed to pay through escrow ). 

I raise this issue to the CFPB for resolution not just for my case but more importantly to red flag why there is such a flagrant disregard for remitting timely insurance payments. Hopefully, this can help avert the same issue for other consumers that find themselves innocently in this situation where your mortgage firm does not fulfill their escrow obligations and introduces risk.
I obtained a payday loan from Speedy Cash XX/XX/2015for XXXX {$230.00} and was laid off when the loan became due. I contacted Speedy Cash and advised them. I received a phone call from a representative from Speedy Cash asking if I could pay my loan, I informed her that I was still unemployed and was not trying to get out of paying my debt with them. She said that she would refrain from collection calls and wished me good luck in going back to work. On XX/XX/2015 Speedy Cash drafted my account {$280.00} via electronic check without my consent or approval. I have since then closed my checking account with XXXX Bank here in XXXX,
Requested a validation of all account level information, and the company can not provide this information. They have not been able to provide any of the requested information and have made no attempt to provide the information to me. I have an increasing balance and charges on a closed account that are not explainable as well as other issues as being requested in the entire validation of the entire account from opening.