WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I was notified by SunTrust that my Debit card had been 'Compromised ' and that they were going to cancel my existing card and issue a new card. After I had been notified someone attempted to access my account by doing a balance inquiry. SunTrust debited my account a 'Non SunTrust ATM Fee ATM Balance Inquiry Fee '. This balance inquiry was not done by me. As soon as I noticed the fee charged to my debit card I contacted SunTrust by phone. This was on XX/XX/XXXX at XXXX XXXX. I was on the phone with the SunTrust Fraud department for 29 minutes and 36 seconds. I was told repeatedly that it was against SunTrust Policy to reverse charges for fees even when they were not incurred by the account holder. For a bank to charge a fee to a customer that they know was not incurred by the customer is beyond ridiculous. I would like to have the CFPB advice SunTrust that their actions are petty and not in the interest of their customers.
This company XXXX XXXX XXXX  was sold to XXXX XXXX ( a debt collection company ) and both companies are trying to collect on the debt hurting my score.
I have account with American Express Blue and they have refused to take a dispute regarding XXXX interest charges that change with date year and amount in every monthly statement I receive and each time can not explain why and refuse to take dispute interest charges amount to XXXX dollars this is not for the regular monthly interest charge on my credit card for example for this month XX/XX/XXXX a charge for the month of XXXX XXXX {$36.00} promotional interest charged and same monthly statement XXXX XXXX purchase charge XXXX each month same date year different amount in interest charged this has been going on for almost XXXX yrs and each time refuse to take dispute against own credit card company even though I have paid off balance in question this year XX/XX/XXXX
Santander continues to call my references after I 've asked them, to stop. I never took down the dates but they should have them noted in their system as to how many times a day they call me and how many times they have contacted my references and left messages. Additionally, I asked them in XX/XX/XXXX or XX/XX/XXXX2017 not to call XXXX and they told me they would not because it is a verified phone number for me and a way to stay in contact. Today XX/XX/XXXX, they called me and left a message on my home then immediately called my reference and left a message. I have saved voicemails where they have talked about the debt without disclosing that this call is from a debt collector. They call me 2 to 3 times a day and they have a good confirmed home number so I do n't understand why they continue to call any other number on my file except for the reason to intimidate or harass me in to calling back.
I opened an account on line and then received a call to call them about the application. When I called them the representative could not find the reference number. After transferring me twice and account representative said they could not determine what the issue was but my card was approved and in the mail. I received the card and immediately actived it online as instructed. I then received a call from there fraud unit saying the account was on hold. I again called and was told the account had been activated and I was good to go. I attempted to then use the card at  XXXX  and the transaction was declined. I used online chat to check the status and the agent said the card was on hold for frau d. Citi continue s to tell me the card is good and then declines my usage. I am going to cancel the card because it appea rs Citi is trying to  run a  XXXX  FICO score. I am a good paying consumer and it is clear  Citi has no regard for it 's consumers. This is poor treatment and it is clear Citi processes are  designed to force consumers to call them to cross sell products and waste your time. I have other  XXXX  accounts so they already know me as a customer. I want others to know they should avoid using Citi!!
On XX/XX/2018 an offer was submitted to Mr. Cooper Short Sale department. After several attempts to inform the lender of the Condition of the Home and several Reports ( included in this Complaint for review ) the lender responded with a Misinformed opinion of the Condition of Value and Included the Existing Square Footage as addition Square footage and requested a Price of {$270000.00} for a property that is only worth {$180000.00} at best. We have an Independent HUD/FHA certified appraisal of our own included for the review but they did not consider it either. In their own words they mention the Contractors estimates could not be considered as the Broker is not a licensed Contractor and could not give an Value or consideration to the review. The Broker who conducted the BPO is only a broker and is limited to only recent Comparables in the area and also stands to Gain the Listing if and when the Property get foreclosed on. A very Suspicious Practice indeed. The Review that was sent back is Included for your oversight into this matter. Please assist in this case as all we are requesting is that an actual independent appraisal be hired to conduct an As-IS appraisal not a Subject to appraisal.
I faxed ( EWS ) XXXX XXXX XXXX on XX/XX/XXXX. To show proof with any documents bearing my signature showing that I have a legally binding contractual obligation to the banks listed on my consumer report on ( EWS ), and ask if they can not show proof what I am asking for please have it removed. And they replied back on XX/XX/XXXX saying all info was verified but actually didn't show any proof of what I requested. here is a sample of the letter I sent ... " This letter is in response to your recent claim that N/A has N/A verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by N/A. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at N/A regarding this alleged account. I am formally requesting a copy of any documents provided by N/A, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : I also Had a replied back from them In XXXX from my very first dispute in XX/XX/XXXX. Stating " Early Warning does not have access to account documentation and therefore unable to provide copies of any account documents. '' So if they couldn't provide what I was requesting those said accounts should be deleted instead of asking me to contact the said banks to get them. It's not my job to do so, that's why I was disputing to have ( EWS ) to show proof those supposed accounts were mines because they are not that's why they should be deleted.
XXXX  claims that we owe them {$270.00} for services which we never received.We made our position clear but they kept harassing. And now what appears to be a third party sending emails and threatening action if we fail to respond to their emails. We are not even in a position to know whether the debt collector is a legitimate one or a scammer. We are asked to click on links like " Click here for more information about your balance '' or " Pay now in full ( you should!  ) '' a nd "  STOP SLACKING. '' Not only do we not owe this debt but we are harassed by this new entity using the shadiest e mail methods.
One Main Financial is reporting incorrect loan information to all XXXX of the credit reporting agencies. The loan I took out was established XX/XX/2015 as an unsecured personal loan. This company is labeling the account an auto loan and reporting it the same. This information is incorrect and I 've disputed this with all three credit reporting agencies faxing proof of documentation from my existing loan forms to them. XXXX is the only CRA that is still reporting after 30 days of review/research as this is still a valid coded account. I 'm still waiting for XXXX and XXXX to report back their finding/investigations. I 've also contacted the merchant, One Main Financial regarding this inquiry/complaint and they have yet to address this problem. They are refusing to speak to me regarding disputing my account and how they are coding it to the credit report agencies. ( One Main Financial, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, NJ XXXX, XXXX ).
CareCredit would call my cellphone, sometimes from XXXX to almost XXXX everynight trying to collect a debt. They would call every hour to every half a hour.
I contacted XXXX again as well as opened disputes with TransUnion and XXXXx ( been multiple times XXXX to inquire about a dispute with an item on my credit report. I have previously disputed this item, and multiple times it has come back as verified and accurate without a deep investigation or any explanation as to what was given as documentation to verify the debt listing is correct. On the call yesterday with a representative XXXX/XXXX/XXXX I asked the representative to reopen another dispute into a XXXX XXXX listing as it is not reporting a correct listing and I asked her what is the dispute process. She stated that agency will ask the creditor if the debt is accurate and as long as they say/certify that the listing is right then they will leave the listing. The creditor has to provide them with no documentation showing proof. FCRA states that lawfully XXXX XXXX and TransUnion must provide the method of verification as well as who the furnisher was who verified the information. Im having this issue not only with the XXXX XXXX account but also with some inquiries on my report. I 'm requesting a through investigation of these items and when complete I would like method of verification and who the furnishers were so that I can make direct contact. If these things can not be provided I request that they be removed from my credit report promptly.
Hi, we are fighting with the former Sallie Mae now Navient.The 2 loans in question should have never been approved due to the fact one my husband is XXXX and getting XXXX and un able to work.Second the loan paper application was forged with his signature.the dates are XX/XX/XXXX and XX/XX/XXXX.We did contact the XXXX XXXX XXXX around XX/XX/XXXX.Sallie Mae wanted my husband to go for identity theft after we contacted the XXXX  because or daughter signed her dads name.
I am not aware of any collection from XXXX XXXX XXXX. this is an error i do have insurance with my employer and all deductibles is met.
In XX/XX/XXXX, I was contacted by XXXX XXXX, XXXX to consolidate my student loans and lower my monthly payments. They assured me they were a legitimate company representing students and acted as a liaison for the Federal Student Aid. Once agreed to their services, XXXX XXXX prepared a contract and a fee of {$1300.00}. Because I could not afford to make this payment upfront, they enrolled me into a payment plan with Equitable Acceptance Corporation of {$39.00} monthly. I began making payments on XX/XX/XXXX of a monthly fee of XXXX that would go towards maintaining my student loan consolidation and their services. In addition to payments for Equitable Acceptance, I also was paying a direct amount of $ XXXX/month towards my federal student aid account. I have been paying Equitable Acceptance since XX/XX/XXXX. 

As of recent,XX/XX/XXXX, it was time to renew my information based on the income-driven repayment plan and to keep my loan amount affordable. As I spoke with a representative of Federal Student Aid, they informed me that the third party ( XXXX XXXX and Equitable Acceptance ) were not legal practices. They informed me to submit a claim onto The CFPB website. In addition, I was informed to cease any authorized automatic debit payments from my account. I contacted my bank immediately to stop payments. 

I have supporting documents under attached files from XXXX XXXX, XXXX and Equitable Acceptance. 

Thank you.
ACH tax refund deposited into erroneous account on XX/XX/17 in the amount of {$3000.00}
On XX/XX/XXXX, we ( XXXX XXXX XXXX XXXX XXXX purchased GAP Coverage from Performance Ford in XXXX, NJ for our new XX/XX/XXXX XXXX XXXX XXXX. When finance representative from Performance Ford sold us the GAP Coverage, he suggested to keep it for XXXX year and then cancel the GAP Coverage in XX/XX/XXXX. The primary reasoning for keeping the GAP Coverage for XXXX year was that the market value of our car will be closer to the loan amount after the end of first year, in which case the GAP Coverage wo n't be required. As agreed per our discussion at the time of car purchase, in XXXX, we called Performance Ford to cancel the GAP Coverage
Over the last seven months Navient has reported major increases to my student loans and then major decreases the next month. They are faslie reporting the accuracy of my student loans. I noticed the first increase at the end of XX/XX/2018 in the amount of {$700.00} dollars. I'm not sure how that is even possible. Then for the month of XX/XX/2018 it shows a decrease of {$690.00} dollars. And today XX/XX/XXXX I checked my XXXX credit report and they are now show an increase of {$670.00}!!! While each month I have made {$55.00} dollar payments. Only a few days after noticing each of these odd reports, they disappear. I have taken screen shots of each one that I have noticed, which I check my report like 5 times a week through XXXX XXXX. These false reports are effect my credit rating!!! I am contact them, my state attorney Generals office and a local attorney. I know Navient has been in hot water over all their shisty behavior and I can prove what they have been doing to me! I have documentation!!!
transunion report td auto finance XX/X/2016 & XX/XX/2016 I tried disputing these inquiries but was told they are matter of fact without doing investigation. which they are required to do and if they were to follow the rules would find out inquiries were not authorized by me. I am asking to do full investigation on said inquiry to clear it from my report,,
UPON HITTING THE FINAL 'SUBMIT ' KEY, THE QUESTIONS TO ESTABLISH MY IDENTITY CAME UP ; I ANSWERED THEM TRUTHFULLY AND WAS TOLD THEY WERE INACCURATE AND I WOULD NEED TO WRITE A SNAIL MAIL LETTER TO CONTINUE IN MY QUEST FOR A FREE ON-LINE CREDIT REPORT ; IF THOSE ANSWERS WERE INCORRECT, SOMEONE HAS USED MY IDENTITY. AS I DID N'T HAVE ANYTHING INACCURATE IN MY SOCIAL SECURITY REPORT, I WAS UNAWARE OF ANY OTHER USAGE OF MY SSN. 
THANK YOU WARMLY IN ADVANCE FOR YOUR ANTICIPATED ASSISTANCE,
I had a Student Loan with Wells Fargo from approximately summer XXXX XXXX XXXX a semester before graduating from XXXX College. I finished my XXXX XXXX in XXXX XXXX. 
Wells Fargo sold my loan to XXXX and I am currently in default and they want to garnish my pay or take money from any income tax returns by XXXX/XXXX/XXXX. I did not get a job from the courses I took which I am paying for. What steps do I need to make for the settlement? What documents do I need and where do I send it? 
XXXX XXXX XXXX : My address : XXXX, XXXX XXXX XXXX, NY XXXX
XXXX, Equifax, XXXX XXXX XXXX and XXXX XXXX has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.
The TransUnion Online Dispute webpage does not function. When you get to the final step and click " submit '' nothing happens. It is impossible to submit a request for investigation online. The website does not function forcing customers to use alterative processes that are more time consuming and delay the investigative process.
The collection agency is reporting that i open a loan in XX/XX/XXXX when it has original date being in XX/XX/XXXX
Venmo withdrew {$450.00} from my checking account to transfer to my daughter 's account. Out of the blue, Venmo froze my account and my daughter 's account. They have kept my money and have refused to refund. They have requested information from me and I send and then they ask for more. Venmo has been in trouble with the FTC for this behavior I have just learned. They are currently on a watch list. They have been lying to me about my funds. To this date, they still have my money and my account is frozen. They use this as an excuse to keep your money. This is fraud and theft. Please help. Thank you. XXXX XXXX
I been having problems with NAVIENT XXXX saying I still owe them after being approved and threaten to garnish my XXXX and XXXX Income and them giving me different names associated with NAVIENT attached is a release from and discharging my payments furthermore it has impacted my XXXX reporting agencies while working on repairing my credit I have gave them my permanent and total XXXX discharge and they have not honored it and NAVIENT still raising interest last year in XXXX they threatening to mess up my credit if I did n't pay and somehow got my number and address without my knowledge requesting new information on XXXX of XXXX, I send the approved XXXX letter I received and they are still not cooperating. The XXXX school I attended also mislead me and their no longer in business with no job
I have written to all major credit reporting agencies ( Transunion, XXXX, XXXX ) requesting that they verify and validate the information on specific items in question. The purpose of the letters were for verification and accuracy due to discrepancies being reported. I have attached a copy of a few of the letters i sent via certified mail as proof of compliant and non compliance. 
I also requested that all of this was to be done following specific sections of the Fair Credit Reporting Act ( FCRA ) assuring that I provided as you can verify via my letters. All of the credit reporting agencies failed to provide a valid response to my request and responded with a blanket statement saying the account was verified. The following section ( s ) of the FCRA were blatantly ignored and are currently damaging my credit scores resulting in monetary and emotional distress. Section 609 ( a ) ( 2 ) & 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) have been blatantly ignored as all of these agencies have not provided a reasonable source of their method of investigation or verification. In all cases, they have used outside sources ( third party ) and not the direct creditor to verify, These shortcuts are blatant violations and as an end result should be deleted. The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617if they fail to comply with Federal Law, which they have. Additionally, I requested that all inquiries that are not current accounts be verified and if unable to provide reasonable verification be deleted.
I have a Capital One card that is reporting to my credit as an " Authorized Account ''.

I have no knowledge of this card, i have called the company several times including today and they said they could not help.
Wakefield & Associates ( account # XXXX/ {$1000.00} ) is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA
I am writing to dispute the following information in my file dispute on the attached copy of the report I received. 
This item [ identify item ( s ) disputed by source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ] is [ inaccurate or incomplete ] because [ describe what is inaccurate or incomplete and why ]. I am requesting that the item be removed [ or request another specific change ] to correct the information.

Enclosed are copies of [ use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents ] supporting my position. Please reinvestigate this [ these ] matter [ s
We had a Mortgage Loan with XXXX on our primary home. 
On mid XXXX we received a notification that our loan had been transfer to a different servicer, ( SLS ) Specialized Loan Service, and that we were supposed to start payments with this company on XXXX XXXX 2015.Eventhough, we are making our payments on time every month they are sending letters that we are behind, and they refuse to send us any statements. After several attempts and letters to get our statements they keep refusing to do so. We are worried, since we noticed that we are not the only ones with this problem, and that several people are complaining about this issue with SLS.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX email : XXXX I am using 2 PNC accounts in my name to receive benefits from 2 XXXX annuity contracts that are annualized i.e. paying out for lifetime. 

Account Numbers : XXXX XXXX Routing Number : XXXX Account Number : XXXX XXXX Routing Number : XXXX I was a permanent resident in the XXXX until XX/XX/2008. Since then I live in XXXX. 

PNC has not managed or is not willing to update to XXXX address. They have been sending statements and replacement card to XXXX for one but not the other account. For this account I have not been able to receive a replacement card - presumably because they insist sending it to the old XXXX address. They also claim the card they send somewhere has been activated ( if so - not by me ). 

PNC advised to report the card that never arrived lost / stolen. 

Now they obviously issued a new card and sent it to the old address again. 

There have been endless internet-interactions about this point since XXXX this year but it just does not seem to be possible to a ) change address coherently to the XXXX one I am using for 10 years now b ) send card to new address I fail to see the difficulty. This accounts have been active for > 10 years. 
I never choose PNC actively. They took over the 2 XXXX community banks I banked with before. 

I enclose activity reports for this year - so you can verify we are talking about real - active accounts. 

Your are welcome to forward anything I submit here to PNC - preferably a person with a solution oriented mindset some way up in the hierarchy of that outfit.