WillisBack/dataset-financial-user-claim huggingface dataset:
For the second time in as many years, Navient failed to inform me that I needed to recertify my income, increased my payment from {$0.00} to {$230.00} without notice, and enrolled me in autopay without my permission. Last summer, I received an email that I my " autopayment '' would debit within a few days. Within fifteen minutes of receiving this email, I called them and told them not to debit my account. They explained it was too late, it was four days before the payment was to come due, and I should have notified them five days before it came due. In other words, they sent a single " reminder '' email out of the blue when it was " too late '' for them to stop the payment. I'm pretty sure I had to pay my bank a fee to refuse the debit. I unequivocally told them that I was not to be placed in auto pay status again. 

This morning, I got an email that my bank account would be debited {$230.00} on XXXX. I immediately logged in and unenrolled from autopay, but they said it was too late to stop the autopayment on XXXX. I work for a non-profit and should be paying only about {$40.00}. It is completely shady and an absolute repeat of last year. Apparently they have not respected any lawsuit the CFPB brought against them last yet.
XXXX has been non-compliant with removing the unverified account AMERICAN EXPRESS XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
During a prior dispute, XXXX  removed all of the following accounts because of false misrepresentations while XXXX  has deleted one and is in the process of removing the remaining two accounts. However, XXXX has decided not to remove any of the following accounts although both agencies were submitted the exact same information regarding the Capital One accounts.

For whatever reason, XXXX can not find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts.

Capital One Accounts in Dispute : XXXX - {$1300.00} ( Deleted by XXXX ) ( Pending XXXX deletion ) XXXX - {$280.00} ( Deleted by XXXX ) ; ( Pending XXXX deletion ) XXXX - {$390.00} ( Deleted by XXXX  ) ; ( Deleted by XXXX )
I called Wells Fargo Bank customer service yesterday to request information about my personal line of credit ending in XXXX but I noticed that I have an OVERLIMIT amount due now for XXXX so they do n't allow me to pay less than XXXX This Included XXXX OVERLIMIT plus XXXX of minimum payment which gives a total of XXXX. This called " over limit '' is unfair, abusive practice that this bank usually use in most of their accounts. the names they use for this practice are : called OVERLIMIT Amount or OVERDRAFT. Also, I tried to complain about this issue, but they did n't leave me do it, claiming that this are part of their " normal banking policies. '' For this reason, I am writing this complaint against wells Fargo Bank because they must stop this illegal practice and I request to cancel this unfair charge, so I could proceed to pay the amount of XXXX due
on XX/XX/XXXX, 2017.
Thank you for your attention Sincerely, XXXX XXXX
XX/XX/XXXX ... .did not take ACH payment which made account late XX/XX/XXXX ... took {$330.00}, couldn't find for over a week and ended up that amount was applies to another persons account. 
XX/XX/XXXX ... associate did something to our account which made three payments come out within ours of eachother. I told supervisor to please listen to the 'recorded conversation ' and her response was there was a 'learning experience ' rather than financially assist us. 
XX/XX/XXXX ... recieved letter regarding an amount of over {$1000.00} we were to pay by XX/XX/XXXX, to call and make arrangements for amount due of a different amount. As of that date 1. our account with them doesn't end for another year. 2. we asked for a payoff amount ... period! 3. We had already paid over a thousand at the time of the letter. 

when we asked for them to correct our negative credit reporting their answer was that because our credit union had disputed the transactions ... ..it was their fault and they would not change anything. 

We have all documentation from our bank and the emails from the supervisor of the company.
I received my credit report and notice that I have credit inquiries on my report that I did not authorize. I contacted Equifax to have these inquiries removed. They ensured me that the inquires would be removed, but then sent a letter stating that the inquiries will remain on my report. I am demanding that Equifax remove the unauthorize inquiries from my credit report so that the report may show accurately.
Todays Date:XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX   XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit  repair company to resolve my issue is a insult Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
On XXXX XXXX, 2013 I purchased property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, herein referred to as " Property ''. I provided lawful funds to pay for purchase, recorded deed and payed Transfer Taxes to the county. Approximately 2 weeks after recordation of ownership, I received a letter sent to the " Property '' addressed to my husband " XXXX XXXX XXXX '' the recorded owner. Within the letter was a " Notice of Default '' claiming the previous homeowners had defaulted on the mortgage previously held on the " Property ''. The notice stated the holders of Mortgage Debt was " XXXX XXXX and XXXX XXXX ''. The Trustee was listed as First American XXXX, herein referred to as " FATSS ''. I contacted the number listed on the notice and was asked to proved proof of ownership by scanning a copy of my deed and emailing it to them. I did and received an email back from a woman claiming to be a manager named " XXXX XXXX '' herein referred to as " XXXX ''. XXXX explain how she felt I purchased my home " subject to '' the mortgage held on the property. She further claimed I could pay them. After months of back and forth, and obtaining a restraining order barring the sale of the property, FATSS sold the property at auction to " XXXX '' who they purported was the lender. Within the documents provided as authority to sell, there is fraud by deceit ; robo-signers signing as employees of a company they are neither employeed at nor paid. Any mortgage seeking to record XXXX XXXX as either Benificiary or Nominee will have fraud by deceit, forgery and robosigning by virtue of design. XXXX XXXX has no employees to assign or sign for assignments. Any assignment claiming to be XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX or MERS ( XXXX ) is fraudulent on its own. Any Servicer, Trustee, Benificiary, Lender or Mortgagee seeking to use a document signed by an employee of either XXXX is acting in connection with fraud and Criminal Organization. 

I have attached XXXX slideshows. I can print them for better viewing and mail them if necessary. 
How XXXX XXXX is a XXXX and will always contain fraud XXXXForeclosure documents with pointers showing fraudXXXX 
XXXX
I signed up for this dating service, XXXX XXXX on XXXX/XXXX/2012. The representative of this company did a bait and switch of their dating services. I specifically told the woman that I DO NOT want a blind dating service. She told me that I would be able to see a photo before hand. She also did not give me a copy of the contract until after the three day rights of recission expired. I also was an emotional wreck when I came into the office and signed it under duress. Afterwards, she told me that I can do a different plan to see the candidates but it would cost me an additional {$10000.00}. 
Now a collection company called Advanced Capital Solutions is hounding me for further payment. As far as I am concerned, they should issue me a full refund for the money that I already paid.
The Bank of America has grossly mishandled the POA and POD accountssssss that were set up for my terminally ill mother and continues to operate at the height of incompetence during estate proceedings. They have issued POA checks POA checks drawn from the incorrect joint tenancy accounts, they have issued checks issued checks that could not be used by merchants, they have sent POA check to the checkbooks to the wrong address. In the interim, the POA account could not be accessed not be accessed on line, nor could an ATM card be issued for it. They advised me to try to break into my mother 's on line account by guessing the passwords which I finally was able to do. When she passed away, they denied immediate access to a POD account even though a death certificate was presented and notarized on the grounds that their " policy '' preferred that joint beneficiaries present their claims as the same time, when they are clearly entitled to half a portion each. When informed I was a long term B of A customer, they " relaxed their rules '' even suggesting that I could get some more " preferential treatment. '' They advised that they were not sure when they could send my portion and advised that I should just " look for it '' in the mail. When I finally got them to call the Estate Division, they finally understood the money was immediately payable. 
My sister, upon arriving from her home in XXXX, went through the same hoops with the XXXX branch. they got me on the phone and finally after several hours conceded she should receive the money too. 
My father went to cash out and close the Joint Tenancy account he had with my mother which is now his ( with no questions ) as she had died. 
They proceeded to draft a check from the POA account which should have been frozen, claiming now that the {$5700.00}. joint account was a POA account. They finally corrected it after I spent two hours on the phone with the Estate Division.The breach of their fiduciary duty and the standard of custom, practice and ethics in the industry calls for redress. It is abominable and warrants a class action as many others have grievances as well. 
Three branches are involved. And the problems persisted and would not go away.
XXXX XXXXXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX  CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. 

XXXX  CONTINUES TO REPORT THIS INACCURATE INFORMATION EVEN AFTER I MAILED TO THEM COPIES OF THE USPS POSTAL INSPECTION SERVICE CRIMINIAL INVESTIGATIONS DIVISION REPORT AND COPIES OF COURT ORDER SHOWING THE APPOINTMENT OF A FINANCIAL CONSERVATOR ABSOLVING ME OF FURTHER RESPONSIBILITY AND DUTIES AND ABILITY TO HANDLE MY OWN FINANCIAL MATTERS SINCE THE CONSERVATOR RE-DIRECTED ALL MY MAIL TO HIS OWN OFFICE AND ENGAGED IN MISMANAGEMENT OF MY ACCOUNTS AND FINANCIAL DISHONESTY BY BILLING FOR HIS OWN ACCOUNTS FIRST AND TELLING THE COURT HE HAS BEEN PAYING MY ACCOUNTS AND CHARGING ME FOR DOING SO.
This all began when I received written notice from unrelated creditors that the terms of credit were being modified due to payment status with other " creditors '' Turns out Fay Servicing, a mortgage servicer, decided to conduct an audit of my account and falsely claimed that I missed a payment in XX/XX/XXXX, some 9 months prior to today 's date. Without any notice, written or otherwise, Fay reported me late to the credit companies. Zero notification, and zero communication in order to try to clear up the matter. Not only did I receive a 30 day late from Fay, but XXXX XXXX terminated one account and dramatically changed the terms of another account. 

What actually happened is that I made 2 payments, to Fay. in XX/XX/XXXX, one of the payments in error. The extra payment was returned to me by my bank. This is a seasoned mortgage account with over a 10-year pay history. 

I have had multiple conversations with Fay. I have asked them to remove the mortgage delinquency. They refuse. I have again sent Fay all the appropriate bank statements, and proof of payment via a canceled check receipt. Not only has my credit and credit score been damaged, other creditors have terminated their relationship with me or changed terms. 

I have no issue in cooperating with Fay. Mistakes happen. However, their radical and cavalier behavior in erroneously reporting me late, without first contacting me and then placing the entire burden of proof on me to produce bank statements and canceled checks are not reasonable. 

Thank you for your time.
I legitimately owe Walmart MasterCard ( Synchrony Bank ) money. But I have told them many times on the phone that I ca n't make my payments so I will be consolidating all of the credit cards I owe together for one monthly payment that will be distributed each month to all the credit cards I owe through my debt management plan that I 'm on. Yet, this number continues calling me day and night! They call in excess OVER 15 times a day, some calls are before XXXX and well after XXXX, I 've gotten calls at XXXX before. It 's gotten ridiculous, my phone rings all the time and I know it 's them.
XX/XX/XXXX XXXX XXXX XXXX sent a notice requesting XXXX of an alleged debt. 
I responded with a letter of dispute of fraud on XX/XX/XXXX and filed a report with CFPB ( complaint number : XXXX ) XXXX XXXX XXXX responded with copy of default judgment against me from XXXX and request reason for fraud. 
This was the first time I've heard about a judgment against me. Case Number XXXX XXXX XXXX.
Equifax and this company name, according to Equifax is " XXXX XXXX/XXXX '' both are reporting a negative account on my credit report as result of identity theft. I don't have any contractual relationship with " XXXX XXXX/XXXX '', that makes Equifax and " XXXX XXXX/XXXX '' entitled to enforce inaccurate credit information on my credit file. I tried resolving the issue recently again with Equifax on XX/XX/18, and directly through " XXXX XXXX/XXXX '' but has not had any resolution.
On XX/XX/XXXX I simultaneously made by mortgage payment due and in the same envelope enclosed a Cashier 's Check # XXXX for {$40000.00} as a Prepayment of Principal on the loan. Nationstar had previous knowledge of a pending substantial principal payment from my last CFPB complaint about 2 months ago. I questioned their competence and ability to handle the payment and be trusted. These incompetent folks misapplied the funds and tried stealing over {$500.00} in additional interest. Being the good babysitter I am of Nationstar I called them out on XX/XX/XXXX when I got my mortgage statement. Now that they were caught and I was threatening to file a criminal complaint and a CFPB complaint they would do the transaction to correct. I told XXXX and the Supervisor XXXX I wanted a copy of the Transaction Activity mailed to me. If I did n't get it by XX/XX/XXXX I would be taking action. No surprise I was lied to by each of them. Sp here it is XX/XX/XXXX and I am complaining again. I also intend to file reports with law enforcement and the Texas Attorney General 's Office. I want my mortgage moved to a competent mortgage servicing company or Executive Supervision over my account.
In XX/XX/2017, I terminated the services of XXXX and switched to XXXX. Knowing how companies are, I thought it would be in my best interest to stop payment on any future funds they decided to take. I went to Citizens Bank on XXXX/XXXX/17, in person, and paid the {$35.00} to stop payments to them. I was told I was all set. On XXXX/XXXX/17, Citizens allowed them to withdraw {$600.00} from my account. I called Citizens on XXXX/XXXX/17, and I was told the money would be put back by the following morning. On XXXX/XXXX/17, I was still overdrawn because of that charge. I called Citizens Bank again, and I was told they had to file paperwork which would result in waiting another 10 days for the money to be returned. They did offer their apologies for the inconvenience. However, when I had to tell my landlord that I could n't pay my rent for another 10 days I informed him that Citizens Bank extended their apologies. Surprisingly, that did n't fly. Now, to add insult to injury, they 've charged me a {$35.00} overdraft fee. I paid the stop payment fee well before this {$600.00} charge was presented. They XXXX, not me. They did n't fix their error in a timely manner, and they charged me for their error.
I currently have XXXX open student loans with navient. I am not offered a repayment plan based on my income. I have been putting my loans on forbearance and deferment but the interest has added over XXXX dollars to my loans.The company has failed to inform me on deferment period ending numerous times and it resulted in late payment marks on my credit. I have asked numerous time what i can do. I even make payment during deferment periods. I want to pay my loans off not keep adding interest. The repayment amount is more than i can afford a month.
My credit score went down from XXXX to XXXX. In a day. When I contacted XXXX for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XXXX of 2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is XXXX, experian and XXXX. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.
I previously complained about Discover 's website : XXXX. I try to access the site and I am unable too. The site will not allow me to reset my password saying the model of my first car is wrong. I know what the model of my first car was and the information their site is pulling from is wrong. There should be another way of resetting my password. Anyway, they finished the last complaint by telling me to contact XXXX, which is who provided that questions information. They have come back and told me they are unable to assist as they have no affiliation to XXXX. Now, it is back to Discover. I want remediation. This has been a complete and total service failure. I need to reset my password. I expect them to be able to help me ; nothing otherwise. If they do not, litigation will be next!
Dear Credit Bureau, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail and fax for purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages. Identity Theft Report FCRA Section 605B law Please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX {$1700.00} TransUnion ACCOUNT XXXX {$1200.00} TransUnion XXXX XXXX FL {$1200.00} TransUnion ERC 11 XXXX {$800.00} TransUnion XXXX 11 XXXX {$800.00} TransUnion XXXX XXXX FL {$750.00} TransUnion XXXX XXXX C {$550.00} TransUnion XXXX {$440.00} TransUnion XXXX XXXX FL {$170.00} TransUnion Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX
I was called by XXXX XXXX XXXX, who had my entire SS # so I thought they were real. They said that I owed over {$800.00} for a payday loan i never took out but would settle for {$430.00}. I checked and found that their number XXXX was a scam operation. I have contacted my bank concerning the scam.