WillisBack/dataset-financial-user-claim huggingface dataset:
My daughter was allowed to open a checking account as a personal account at the age of XXXX, without a parent or guardian being required a co-account holder. I was with my daughter when the account was opened and i specifically asked if this was permissible and was told by representative that it was. Her account fell negative multiple times and over a period of less than a year had been charged many many Insufficient funds charges / fees. Where as a parent i felt i was not given the notifications i should have been receiving to coach or even intervene on her behalf but was not allowed because she was the only XXXX named for this " XXXX Account ''. I feel XXXX % the representative did not fully disclose information that made these things clear, and i absolutely feel that despite i was present when then account was open that someone should have disclosed to me in writing with my signature that " I her parent '' was relinquishing my rights to represent my child by all definitions " a minor ''. We have since sought services from another banking institution which is where i learned that by our governed law in the state of XXXX she must have someone over the age of XXXX on a checking account with her as a co-account holder. I feel very cheated by BB & T and i am requesting all her funds be returned to her and that any and all reflecting negative marks that would affect her credit history be stricken from this account.
I have made XXXX attempts to remove erroneous and inaccurate names and addresses from my Experian Credit Report, but every single attempt has been ignored by Experian. 

My first attempt was via phone on XX/XX/2018. The representative had a heavy foreign accent which was incredibly hard to understand, and she said she could not remove the names and addresses from my report. Also I requested to have my employer and phone number deleted, which was deleted, but then immediately added back to my report. 

Since then I have mailed in XXXX letters disputing the erroneous and inaccurate information. I also provided a copy of my Driver 's License and proof of address. ALL XXXX requests were ignored, and as of today the erroneous names and addresses are still reporting to my report. The dates of disputes are XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

I have also disputed XXXX collection accounts that I have no knowledge of, and I would like them to be addressed. It's obvious they have a superficial process for " verifying collections '' otherwise these accounts would not still be on my report.
I have an LTV of < 69%, and >12 months Clean Payment History. I requested my escrow account waiver for 4 months, with many different responses to why my request was denied. Each time, became much more difficult to request the waiver. It leads me to believe they purposely were trying to hold my funds for their own interest, which is disheartening. When I would call back to request status, I would get different responses. Upon request, I re-sent my request to the subservicer,  XXXX ,   XXXX  , who was going to re-process my request for the waiver; however, when I called back on  XX/XX/XXXX , they demanded I resend in a new request. This was the first time I was told I did not have to re-fax it in to them, but they did let me know, that I still needed to make my full PITI payment. At this point, I believe that Franklin American is being difficult because they don't want me to self-administer my own taxes and insurance. This is very poorly viewed from someone who has never missed a mortgage payment, ever.
I was notified by KeyBank that my debit card had been compromised so they would be sending me a new one via mail. My old card would be de-activated by XX/XX/XXXX. I never received a new card in the mail, and my old card was de activated, leaving me unable to use it. I called KeyBank and they apologized and told me they'd send me one right away. I can get it in 5-7 business days for free, or 3 - 4 business days for a {$25.00} fee if they rush it. I chose for them to rush it because I am without a form of payment. It is absurd to charge your own customers a {$25.00} fee for a mistake you or the USPS made. KeyBank = Fee Bank. The amount of fees this company charges is ludicrous and insulting to its customers.
Mid Atlantic Finance Company is claiming I owe {$1900.00} on a XXXX XXXX XXXX and are offering a settlement for an XXXX year old debt that does not belong to. Account XXXX and no proof of debt validation
On XX/XX/XXXX XXXX XXXX charged of a debt of {$420000.00}. On XXXX I receive a letter from XXXX XXXX the debt is now owed to then for the amount of {$4200.00}. On XX/XX/XXXX I receive a letter in the amount of {$4300.00} that is owed to them. On XX/XX/XXXX I receive a letter from Kohn Law now I owe them {$4300.00}. A Greater balance of {$87.00}. On XX/XX/XXXX I receive a Summons and Complaint from Kohn thru XXXX County Court in the amount of {$4400.00}. XX/XX/XXXX I receive an Order To Appear before Commissioner, balance now is {$4700.00}. Now the balance is greater by {$460.00}. The next time I hear from Kohn in the form of a Garnishment Notice dated XX/XX/XXXX in the amount of {$7200.00}. Next is the Garnishment Notice to collect money on rent in which I was not even collecting for the amount of {$6700.00}. Another Garnishment Notice in the amount of {$6100.00}. Then another Garnishment Notice on XX/XX/XXXX in the amount of $ XXXX.Several letters and correspondence I receive regarding this debt have amounts that do not match. Leading me to believe they have significantly inflated this debt as to they see fit. On XX/XX/XXXX I file a complaint with your agency. A response letter fro Kohn states that as of XX/XX/XXXX the date of their letter the amount is $ XXXX.The Garnishment in XX/XX/XXXX states XXXX. A letter XXXX XXXX responds to you, dated XX/XX/XXXX that Kohn Law stops charging interest on this debt as of XX/XX/XXXX. You will clearly notice the interest is higher on each garnish notice to date. An e-mail between my Payroll and Benefits states as of XX/XX/XXXX Kohn tells them the amount is {$6100.00}. I have now paid {$3000.00}. Then on XX/XX/XXXX XXXX states the amount is {$5000.00}. To this date I have had garnished the amount of {$4600.00}. Then on XXXX/XXXX/XXXX I receive a phone call from a male regarding this debt. I am not able to discuss this matte since I am in the woods and do not have access to any paperwork. The male then becomes threating as to say it would be in your best interest to discuss and pay this debt. I have a lawyer who they need to go thru for any other contact then court documents, this law was broken. And also the threat. I believe they carried out the threat by serving me another Order To Appear to the Commissioner. This meeting was schedule in the furthest point of XXXX County WI. Making me drive the farthest as possible to inconvenience me. During the meeting they were by phone. They asked me questions they already knew and not once asked for the taxes, paystubs, or bank statements they requested. This was just to inconvenience me and charge me another {$100.00} for court proceedings. My wife was present who was not part of this debt they say I owe. They then harass her asking her questions about her job and wages threatening to come after her. They clearly can not do this.
I was using  XXXX  for the first time to secure an apartment for a family vacation to  XXXX . I found a great-looking apartment and emailed with the " owner '' through the  XXXX  website. I asked a lot of questions and she answered them -- lots of back and forth emails re : neighborhood, smoking/nonsmoking, pets, etc.   She requested that I send the full balance for the apartment via wire transfer to secure the apartment for the selected dates. Because I had never used  XXXX  before, I did n't know that this was n't the normal protocol. I received a formal confirmation email from "  XXXX  '' that looked totally legitimate -- logo, confirmation number, etc. I wired the money -- including a security deposit that I was told I 'd get back if everything was in good shape when I departed. The total was {$1400.00}. The week before my trip, I emailed the " owner '' requesting the address and inquiring how to get the key. When I sent off this email, I realized that I must have been duped. I contacted  XXXX . They told me to contact my bank. My bank required me to go in in person and then told me that there was nothing they could do for me -- that I should contact local police. I have NO idea what m y local county po lice could do about international wire transfer fraud, so I am submitting this complaint/claim through CFPB in hopes that there is some recourse that I can pursue with the bank to which I made the wire transfer. Thank you for your assistance.
We applied for a loan modification with ShellPoint mortgage. We were approved for trial payments. Three ( 3 ) trial payments. We sent the trial payments an we were sent the final loan modification agreement. We sent it back Shellpoint claimed they never received it. 
They sent us another agreement we sent it back but they would not not accept it unless we gave them 8 more trial payments that totaled on {$20000.00}. We were on trial payments with XXXX 5 different times and each time we paid the trial payments and nver received a loan modification. Now they are foreclosing on our home with a sale date of XX/XX/2017.
I 'm having a few problems. I first need hard copies of all  XXXX  credit reports to provide attorneys and I can not obtain the hard copies needed. I tried pulling them online and calling to get copies and   XXXX   has created this runaround and I ca n't get the hard copies I need, as required by law. I was told by an Attorney to document findings with the reporting agency, credit bureau and to document the dispute process with the credit agencies and I ca n't!!! I am simply trying to resolve inaccuracies reported and on my report and can not.   XXXX   has failed to create a way that supports consumers correcting the costly errors and that 's a serious problem.
XXXX XXXX has been calling my families, friends, clients, former employers several times over the the past years. I have contacted the company several times, both in writing and phone calls, to contact only me and stop contacting anyone else. On XX/XX/XXXX they called my client 's number trying to get a hold of me. The call was forwarded to me and I hung up right away because it was inappropriate to call me at such places. I contacted the company back within an hour requesting that they stopped calling others except me and requested a debt validation letter. However, they company said that my account was already closed and there was no record of anything or calls with them! However, on XX/XX/XXXX, they called the same client again from XXXX. The same company that claimed I no longer have an account with them is continuing to harass others.
This was a {$1000.00} line of credit and XXXX XXXXXXXX ( XXXX  ) has placed a collection on my credit report.

I have contacted XXXX XXXX, which referred me to Halsted, I have contacted them a few times to set up payment arrangements, and have not received a call back.

Every-time I call someone is going to call me back, but never receive a call back.
To whom it may concern : It appears that my payments with Navient are not being posted correctly and it has been going on for well over a year, but I just noticed it recently. I have called Navient twice in the last couple of weeks for two issue. Once on XX/XX/XXXX and again on XX/XX/XXXX, and they still have not been able to post my payments correctly. On XX/XX/XXXX I was informed that issue # 1 would be resolved by XX/XX/XXXX. Today is XX/XX/XXXX and its still incorrect. Today my loan payment ending in XXXX from XX/XX/XXXX is going towards the principal, but what about the previous 14 months? At the rate I'm paying on my loan my entire life since nothing ever goes to the principal. 

Issue # 1 : I made payments on one of my private student loans for the last 14 months, and not XXXX XXXX has been posted to the principal, so I called them on XX/XX/XXXX when I identified this. My mother called on my behalf and spoke to the customer service rep, and she said that about {$500.00} a month goes to interest, and my mother said to her that I paid {$950.00} in XX/XX/XXXX, why did all of it post to the interest? The representative was unable to answer for a minute, because the call was scripted, and the rep didn't know what to say except " yes, that doesn't seem right, I will get this account reviewed. 

Issue # 2 : I made automatic payments through my bill payer with my credit union on 3 loans with Navient on XX/XX/XXXX, and as of XX/XX/XXXX, they were not posted. I called Navient on XXXX and the Customer Service Rep said they were not posted yet, but to check back. Today when I checked, the payments had a post date of XX/XX/XXXX. They manner in which they have posted my payments appears incorrect. I had this issue in XXXX, and it was due to a " grouping '' per Navient, and supposedly Navient fixed that, but it appears broken again. How am I to validate this posting is correct. Its frustrating to call Navient because the customer service reps are scripted, and do not even listen to the issue. 

Please know that contacting and dealing Navient is very stressful and frustrating. I had similar issues in XXXX and it took months to resolve. They sound robotic and systematic with any phone calls you make to them. They try to get you off the call with an unrelated response. I have asked my mother to assist me because I work full time and Navient is closed when I get home. 

XXXX
Law Firm, XXXX, XXXX XXXX XXXX on behalf of Huntington Bank is attempting to collect on an invalid debt against me. Huntington is claiming a lien against my personal residence based upon an alleged unpaid and unstated amount as a result of a mortgage that was cosigned by me for another property and businesses that were incorporated. Huntington took receivership of the property and businesses and caused a valid purchase agreement to be nullified resulting in a reduction of the sales price and deterioration of the businesses and their assets.
Chase Bank has notified us that any users of our on-line COMMERCIAL bank account is now required to provide their HOME PERSONAL address to use the company on line bank account. 

We try very diligently to separate the commercial and personal accounts and are not comfortable with a bank requiring personal information to use a commercial banking product. This is a breach of confidentiality to require personal information to access a business bank account. Below is the notice from Chase : '' As you may remember, on XXXX XXXX, 2014 we started requiring that all Chase XXXX users provide their legal first and last name and primary residential address. We 've been gathering this information from our current users in phases, and starting XXXX XXXX we 'll need this information from the users who have access to your accounts. 

We 'll prompt them to provide this information the first time they log in after XXXX XXXX and will require that they enter it before they can view or transact on the account. 

We need this information because our policy requires that we obtain and record certain identifying information about any individual that transacts on a Chase account. 

We also sent this information to your chase.com user ( s ). 

If you have questions, please visit a branch or call us XXXX XXXX XXXX XXXX. 

As always, thanks for choosing Chase. "
I have asked Navient, who manages one of my student loans to discontinue calling me on at least 5 occasions and told them to make all communications in writing via US mail or email only. I am in the process of trying to get a foreberance approved, which I have run into several issues with paperwork and their lack of customer service is deplorable causing the issue to not be resolved still. I have also submitted an email request twice they refrain from harassing phone calls and they still have not listed to me.
I was told I would get a XXXX  dollar credit for XXXX dollar of purchases within the next statement. Later, they changed their answer to only get it after two billing cycles. I had called two times to confirm this and they only changed their answer after I had already made the purchases. They only offered the offer when I tried to cancel the card. CITI is clearly bait-and-switching their customers to extend their credit cards. This is unacceptable.
On X/XX/17 I received communication from this company Transworld Systems INC of a debt which is currently being paid monthly with no missed payment to XXXX. They are yet another company that XXXX is attempting to use to try and discredit my credibility. I do n't deal with collection agencies I pay my debts to creditors as I have been from day one with XXXX I would like to charge XXXX and even this company if they continue to harass me for payment of an account I 'm paying. They are in violation of FCRA and I 'm tired of the harassment. I do n't owe XXXX nothing, I 'm paying them every month. I will not pay anyone else for the debt simply because I have no signed contract with them including this company. Unless this company can provide valid proof of this account not being paid to date. I suggest they allow XXXX to continue to receive payments until it 's paid and cease any further contact harassment with me for XXXX. I 'm including again valid proof of all payments to date in this matter.
I have been receiving calls on a regular basis from a company who claims that I owe a debt. I have asked on multiple occasions for the calls to stop and advised that I do not have any debt, and that I can look my credit report up right now and prove that, yet the calls keep coming in. I advised that I know my rights and that if I ask them to stop calling that they have to yet I am met with rudeness and nastiness and the calls continue. I advised that I would be filing a complaint with the last phone call.
On  XXXX   XXXX ,  2017 I init iated the lifting of my credit report freeze on all   XXXX   agencies . ( See att ached credit card transaction summary ).  XXXX  charged me {$5.00} on  XXXX . Experian charged me {$5.00} on  XXXX .     But Equifax charged me {$5.00} five separate times on  X/XX/17    for lifting the freeze one time.     A simple error which Equifax refused to address over the phone and insisted that I mail a copy of my credit card bill to their office in  XXXX . In other words, I have to waste my time, calling, copying, mailing, etc. in order to get Equifax to correct an obvious error for which they offered no explanation.
I have power of attorney for my father, who is XXXX years old. At the time of the alleged debt, in the summer of XXXX, my father lived in an independent living facility in XXXX, CO. He had signed up through the living facility to obtain cable through XXXX. He claims that the independent facility quoted him a price for the cable package, but when they went to install it the price was substantially higher that what was originally quoted to him. So he declined to have the cable installed. All of his dealings was with the independent living facility and he never signed any contract with XXXX, to the best of his knowledge. Over a year later on XXXX XXXX, XXXX, he received a letter from Diversified Consultants, Inc. XXXX. XXXX XXXX, XXXX, FLXXXXXXXX that he owned XXXX {$210.00}. I wrote a letter in his behalf to Diversified Consultants on XXXX XXXX, XXXX, advising them that my dad did not owe the amount as he had never signed any agreement with XXXX. To date neither my father or myself have received any response from Diversified Consultants. However some alarming events have taken place. I received a letter from XXXX stating that my father 's address had been changed to my residence. My father does not live with me and has his own address. Further neither my father or myself have ever notified anyone to change his address to mine. The second incident involved my personal credit information. I was advised on XXXX XXXX, XXXX, that on my credit information, my address has changed to my dad 's previous and present address. These two incidents need to be corrected as they are not only incorrect, but are inaccurate and not requested. A letter has been sent to Diversified Consultants to advise them of these unacceptable practices.
I have a company XXXX XXXX reporting a collections account on my credit report for Equifax which is incorrect and does not belong to me. I have tried to communicate with this company with certified letters to get them to either prove the debt is mine or remove it from my credit report. First letter was sent XX/XX/XXXX signed for on XX/XX/XXXX the company did not respond other than to place a disclaimer on my credit report that I disputed the debt. I sent a second certified letter to them on XX/XX/XXXX signed for on XX/XX/XXXX and since I had not heard anything. Therefore I filed a complaint with the CFPB reference complaint # XXXX in which this company responded to them they are not the company to address my complaint with. They are the ones reporting on my credit report not any other company. Since the collection account showed up on only 2 of the 3 bureaus I called XXXX  and it was removed because it is inaccurate reporting. I tried to address this with Equifax with no luck so I am hoping that filing this complaint will get it removed from my Equifax credit report. If the company is reporting it but claiming to the CFPB that they are not the company to provide me proof the debt is mine then it is inaccurate and needs to be removed from my credit report.
I have confirmed through the Equifax website that my information was likely accessed during the Summer 2017 Equifax security breach.

I have placed a 90-day freeze on my credit. I will have to more rigorously check my credit report over the next year ( s ). 

It is unacceptable that Equifax is such a poor caretaker of personally identifiable financial information. This security breach calls into question this company 's core competency.
State Collections is a third party collections agency is contracted through XXXX XXXX XXXX to collect debts for them. State Collections agency has repeatedly contacted my wife and me several times asking them verbally to stop calling us regarding this debt. It has been explained to them on several occasions that there was an error in the billing and we are working with XXXX and the insurance agency to correct the billing error. The problem is that when XXXX XXXX makes call they refuse to provide their name when asked what company is calling. They state that they can not legally provide the name of there company until they can verify the person they are looking for. Its only after you threaten to file a complaint will they then provide the number. They have called on back to back days ( XX/XX/XXXX & XX/XX/XXXX ). On XX/XX/XXXX a man called looking for my wife and when I explained to him the situation I asked that he remove my phone number and my wife 's phone number from his call list, which he stated that he would. Not even XXXX hours later a get another phone call from a different number with the same routine of refusing to provide me information regarding who the company is. It took for me to threaten them with this complaint that they provided me the name of State Collections. I again asked them to stop calling us. State Collections is now stating that they are protected under the disclosure laws and they do not have to provide any information to the anyone who calls them.