WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a case with New York State Department of Financial Services, XXXX, regarding an inquiry regarding who has regulatory jurisdiction to enforce New York State 's Unfair and Deceptive Acts or Practices statutes, citing specifically Key Bank 's failure to respond to my XXXX/XXXX/16 request for mediation using the NY State Attorney General 's program, and Key Bank 's failure to my XXXX/XXXX/16 business supplier submission, as Key Bank directed per my phone conference call of XXXX/XXXX/16, to be used as generating income to be used for a workout of the existing home equity loan of the Estate of XXXX XXXX. 
NY State Department of Financial Services referred me to CFPB, claiming that CFPB has regulatory authority over state law violations of a nationally chartered bank such as Key Bank. Is this true? 
Attached is a copy of the screen shots from my business supplier submission saved as PDF files.
I was contacted by XXXX XXXX, who identified himself as the Lead Investigator for Oracle Financial Group on XXXX XXXX, 2015 at XXXX XXXX PST. In the voice mail that was left on my cell phone, this gentleman divulged private information, including my social security number and stated that a lawsuit had been filed. Minutes later, he called me at work and left a voicemail stating that I have 5 days to call him or that legal action would be taken. To date, I have not received anything in writing from this collection agency.
On XX/XX/XXXX I was informed by a lender that unpaid medical debt showed up on my credit report XX/XX/XXXX for services provided by a doctor in XX/XX/XXXX. 

As far as I know I paid all my copays and deductibles in XX/XX/XXXX. I was not notified by the doctor that any further debt was outstanding. 

I contacted Puget Sound Collections to inquire about the debt and to validate it was correct. They told me it was for unpaid medical bills to XXXX, but that is all they would tell me. They referred me to XXXX who told me I had a {$0.00} balance and referred me back to Puget Sound Collections. I 've spoken to XXXX people at Puget Sound Collections and XXXX people at XXXX and none can verify or validate the debt. 

The second woman I spoke to at XXXX told me that a letter is sent every month for XXXX months if a balance is due and on the XXXX month it automatically gets sent to collections. She did n't have an answer as to why mine would 've been sent almost XXXX years instead of XXXX months later. 

I asked Puget Sound Collections to take the negative marks off my Credit Report until the debt was validated and they refused multiple times. The reason they gave for not notifying me prior to sending the account to the credit Bureaus is that they are not licensed in my state. 

I verified with both XXXX and Puget Sound Collections that they have my current address and phone number. 

Puget Sound Collections has told me, in no uncertain terms, that I must pay them without verification of the debt before they will remove any negative remarks. I consider this extortion. 

It 's my understanding that if Puget Sound Collections reported inaccurate information to the Credit Bureaus that is considered fraud.
I am unable to get a copy of my credit report. XXXX and Experian both replied, " no credit report. '' I am trying to get a secured or non-secured credit card to build my history for a VA loan. I need something in hand to take to a bank or lending institution.
I have been a victim of fraud in XXXX I received a phone call saying they were from bank of america and they were calling from the loan department saying that I qualify for another loan modification everything seem so real paperwork had bank of america logo and calls were made from bank of america loan department he will always call me to make sure I made payments on time I made XXXX payments by XXXX he say it will go direct to the loan modification department I when I was ready to make my third payment I made a mistake and XXXX and when I was trying to make the corrections they told me to check with bank of america because there is been a lots of complain of people been fraud so I call bank of america and talk to them they say there is no modification been offer to me I walk into a bank of america on my home town and show them all paper work and to them they say it all locks legit they fax all paperwork to the loan department but they insist that there in no modification they recommended for me to go to the police station but police told me that I need some kind of report from bank of america that say that I reported this to them I been calling bank of america there is a report on the fraud department but now they say they can do anything for me now my hose is going on foreclosure bank of america told me to do a short sale bank of america does not care if they leave a family on the streets I been a victim of a fraud some XXXX is impersonating bank of america and nobody cares about it I do I do not want to lose my house and I need to help prevent this from happening to someone else the reason I am writing is because I need some kind of paper that say that bank of america is aware of this issue to take to the police department so they can open a case so please I will like for you to send me something so I can report this to the police
Today, Friday XXXX XXXX, 2017, I discovered that my personal information, including social security number, was leaked in cyber security breach at the credit agency Equifax. This shows, at best, incompetence, and at worst, negligence in regards to the company 's duty to safeguard consumer personal information.
I also learned that this breach occurred some time ago ( about one month ) and those of us affected were not notified in a timely manner.
Navient has confirmed that there were several instances where my parents called in on my behalf, using my information. This is a violation of my privacy rights, and I want all dates and times that this was done. They have been withholding this information, and it is my right to know. This was a previous complaint submitted earlier in XX/XX/XXXX. I received a response, but it was missing a lot of detail. This includes time stamps, and what each phone call was about. I am also requesting specific information on XX/XX/2016. It was confirmed from a Navient agent that my father called in, asking how to make a XXXX payment on loan 1. I need all information regarding this. 

This company tends to distort facts, and very childish.
The security breach of Equifax disclosed on XX/XX/XXXX represents a gross misconduct on the part of a private firm which wields far too much power over the financial life of the average American consumer. The mishandling of vulnerable information ( including sensitive data such as credit history and social security numbers ) puts me and an estimated 143 million of my fellow Americans at risk. Furthermore, is abhorrent that this breach was only disclosed recently despite the fact that Equifax has been aware of the issue since XX/XX/XXXX. Finally, the fact that Equifax is able to profit off its own criminal negligence by charging consumers for credit protection and freezing is both morally and legally repugnant.
I have a vehicle loan with PNC Bank. I called them to get their automated recorded system telephone number so that I could start making extra payments per month, they told me that they had that system but they discontinued the system, no reason given for the deletion. No reason needed, it is about money. Charge XXXX people XXXX dollars to make a payment you end up with XXXX dollars extra in your account!!! I am in the wrong business!!! I spoke to a manger by the name of XXXX XXXX and she was very evasive about the reason why they discontinued the automated system. I realize that I can go online to make a payment, I have been hacked twice from on line banking and no longer use it. I could mail it but then you would have to depend on the XXXX XXXX XXXX, no thanks!! I could drive the payment down there, wait, the gas prices would make that method wasteful to me!! What is wrong with making these people set the automated system back up again? Isn't this still a country of " we the people?!, or is it " we the crooks '' and we don't go to jail!!! I digress, thank you for your time.
From the beginning of my repayment period to XX/XX/XXXX, I was in an income-based repayment plan of {$200.00} monthly. 

I took XXXX XXXX classes, which put me in deferment from XX/XX/XXXX through XX/XX/XXXX. 

My Income Based Repayment expired, and I could handle the full payment price of {$380.00} which I did from XX/XX/XXXX through XX/XX/XXXX. 

I decided to re-enroll in Income Based Repayment in XX/XX/XXXX, and submitted a payment of {$160.00} which posted in XX/XX/XXXX. I was told that my new Income Based Repayment of {$160.00} would begin in XX/XX/XXXX. 

In XX/XX/XXXX, an amount of {$410.00} was erroneously auto-debited from my account. This was more than both my IDR or my full repayment price. When I called, I was told that there was an error with how the auto-debit system pulled from my account, and that since I agreed to the " Terms of Use '' on the auto-debit system, I was not entitled to a refund. I was also told I submitted my IDR paperwork late to put my IDR in place for this cycle, but this was untrue as I submitted the paperwork by XX/XX/XXXX which gave ample time for the 30 day processing period cited to me when I signed up for the IBR plan. 

My IDR began posting normally in XX/XX/XXXX, but this was significantly less than the IDR price quoted to me when I set my plan up in XX/XX/XXXX. The amount quoted was {$160.00}, which is why I authorized this amount to be pulled from my account in XX/XX/XXXX. The account has pulled {$120.00} in XX/XX/XXXX and is scheduled to do so in XX/XX/XXXX. 

There has been a flagrant and systematic pattern of misinformation from Nelnet. Since the beginning of my repayment period, I have found myself making phone calls almost monthly because of errors, incorrect auto-debit pulls, or blatant misinformation. 

Thank you for your time and I look forward to hearing back from you.
On XX/XX/XXXX 2017, I purchased a US Bank Prepaid Mastercard from XXXX in XXXX, CT. I loaded {$500.00} on the card at checkout. On XX/XX/XXXX, i went to check the balance on the card and the transaction history showed the card had been used in Texas at a XXXX and a XXXX. The entire balance had been drained from the card. I contacted US Bank at the number on the back of the prepaid card and was told to fax in certain information, which I did. A copy of that fax is attached. After hearing nothing for approximately a week, i called back. I was told that they had received my fax, and that the Disputes department had determined that the charges were fraudulent, and that i could speak with the Disputes department if I wanted more inforamtion. I waited on-hold with the Disputes department for approximately 45-minutes. On that call and subsequent calls I left a total of 3 messages on the Disputes department voice mail. None of those calls has been returned, even though they say they will contact you within 48-hours. On my fourth call, the frontline CSR told me they they had to wait for the retailers to do a chargeback, and they had until XX/XX/XXXX for that to happen, but that she could send me the replacement card now, and US Bank could load money to that card when they were finished with their process. I received the card with apprximately {$20.00} on it. XX/XX/XXXX came and went, and no further money has been loaded to the card. I have now been without the money I funded to the card for over a month. I called again after XX/XX/XXXX and was again directed to the Disputes department where i left my final message. Once again I received no phone call nor other response to that message.
I requested that a Bankruptcy that is showing on my credit files be deleted and was never sent any information as to what was going to happen or has happened. This has been on going for months. This is affecting my credit and is causing me mental anguish as I can not move forward with my life until this matter is addressed and handled. Credit report reference number is XXXX and XXXX. It showing up on all XXXX of the credit bureaus in error please help me to get this addressed immediately.
Navient 's collection service XXXX called me at work claiming to be XXXX XXXX, a medical health Case working service that I use to support indigent people. I am furious that they are calling me at work, something they are not allowed to do and that they impersonated a care service that I use professionally.
Bank of America has not properly notified the credit bureau that my account from 2012 has been satisfied even though I have a confirmation letter from them and have attempted to resolve this multiple times. I am in the process of a refi on another home and this is an issue.
My Equifax credit score is XXXX points lower than the score of XXXX or XXXX. all the reporting agency credit reports contain the exact same information.
There is an account on my Experian Credit Report from XXXX XXXX XXXX # XXXX which do not belong to me and have disputed wth Experian Twice and they have disregard my dispute since they continue to report this account on my report!!
This is unbelievable Equifax has destroyed my life and are refusing to fix the problem I can not get my score or credit report my creditors can not run my credit I can not buy a house some I 'm stuck renting losing thousands of dollars each month I called 20 times now trying to fix the problem they refuse to fix it they say my file is split but refuse to merge it, they have told me to lie to creditors to try and remove items fraudulently so please help
I have a inquiry on my XXXX  credit report from synchrony. I have call XXXX and synchrony and no help getting this inquiry off my credit report. I use XXXX  XXXX  for credit info. The inquiry took place on XX/XX/2018 XX/XX/2018
A couple of months ago i called Wells Fargo my mortgage servicer and i set up bi weekly payments for my mortgage. The usual monthly payment is {$1200.00}. I simply wanted the payment split into two monthly payments of {$600.00} each ... every 2 weeks. My bi monthly payments have been coming out of my bank account every 2 weeks as planned. Well l recently got a call from wells fargo stating that my monthly mortgage is a couple of months past due.This blows my mind as my monthly payment of {$1200.00} has been paid EVERY month. The rep on the phone said that when the bi weekly payments were set up they were set up to go directly to Principal and NOT my normal monthly payment. I NEVER said i wanted the payments to go to principal. I simply wanted to set up 2 monthly payments that equal my Monthly mortgage payment. When i spoke to the collections rep she kept trying to get me to state that i was having a " Hardship ''. Which i am NOT at all having a hardship. I currently work 2 jobs and i have NEVER missed a mortgage payment in my entire life. I told the rep that and she still insisted that i was having a hardship and she wanted to put me into some program. They are the ones who completely screwed up. Wells Fargo has DESTROYED my great credit score. I was NEVER late and i can prove it. Who would be making monthly payments ONLY to  Principal and NOT pay their normal monthly payment???? This is so stressful and frustrating and they have charged me late fees and reported me late on my credit when in fact I AM NOT LATE.
I have paid too much interest, i have made about {$2000.00}. for a XXXX loan.
I received a copy of my credit report from Experian and per review, a stated public record is listed to my report for Bankruptcy. I sent a disputed this with Experian XX/XX/2018 requesting an investigation for state public record listed to my report. I requested Experian Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, Verified. Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Iowa stating The U.S. Bankruptcy Court does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. Experian is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any accounts to my report referencing Bankruptcy information.
The Equifax data breach has not been addressed. My social secuirity number and other personal information is currently held by an unlawful organization and this puts my security at risk. It is unacceptable that there has not been a coordinated response by the US government.
They call me 4-8 times every day. starting at XXXX and ending around XXXX.
Portfolio Recovery Associates is reporting 3 different ways along with XXXX XXXX regarding a secured {$300.00} credit card. 
Listed as factoring company on one report and collections on another.

This is illegal I would like the line removed as they are reporting innaccurate information Portfolio Recovery is a junk debt buyer XXXX  XXXX ) which means they are a company, party, or agency that buys charged off debt for pennies on the dollar. They have placed collections for 2 accounts on my CR and are skirting the FDCPA by reporting as a factoring company and this is misrepresentation! Factoring companies are companies that buy accounts in good standing and take over as the OC of the account. I have never had a contract with PRA! Case law has established that when a party purchases a delinquent debt, they are considered a debt collector, and thus subject to the FDCPA! I request that Portfolio Recovery verify the following information. 1. Full original Account Number ( XXXX ) 2. Date XXXX s XXXX original Account XXXX XXXX ) were opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any communication made to me before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all CRAs immediately and not sold to any other debt collector.
Coinbase strongly recommended using a 2 factor authentication method to protect my funds.  One of the recommended " Authenticators '' was XXXX Authenticator. I configured the 2 factor authentication and everything worked fine until the phone on which I had XXXX Authenticator installed needed to be wiped due to a severe software problem. After the wipe, I could no longer use XXXX Authenticator. I followed Coinbase 's instructions do deactivate 2 factor authentication and these instructions failed. 

A ticket was opened in early XX/XX/XXXX and I still have no access to my account. Last I was able to look I had over {$6000.00} in various coins but I still have no access to my account. In the meantime the currencies have fluctuated wildly and I have been unable to liquidate.
I opened my Citibank checking account on XX/XX/XXXX. I get a direct deposit and I pay a bill every start of the month like clockwork, no changes in doing so in all these years. No problem with waiving a monthly fee for 4.5 years. 

Then on my XX/XX/XXXX-XX/XX/XXXX statement I get billed the fee of {$10.00} for 6 months until the fee increases to {$12.00} on my XX/XX/XXXX-XX/XX/XXXX Statement which continues for 31 months until my XX/XX/XXXX-XX/XX/XXXX Statement. 

Last two months the fee was waived for theXX/XX/XXXX-XX/XX/XXXX Statements. 
That 's ( {$10.00} ) + ( {$12.00} ) = {$430.00} of fees that I should never have been charged. 

Every time I talk to Citibank I get the runaround & I get nonsense comments like to get it waived log in to your Citibank Online account and pay your bills through us. I use their Debit card monthly like I always have to pay bills & still get Direct Deposit to my account like I always did. Nothing changed on my end from the start. Obviously something its fishy on their end if I did n't get fees for first 4 and a half years & again these past 2 months. 
It 's a rip off plain and simple. They should thank me for bothering to stay for almost 8 years.
On XX/XX/16 at XXXX, I set up an auto-pay on Synchrony Financial website for my account ending XXXX to pay the full balance of my debt and I received a confirmation email stating, " You have successfully enrolled in Autopay for your XXXX XXXX XXXX XXXX XXXX XXXX account. For your records, your Autopay confirmation number is XXXX '', this setting was adequate to pay the debt on time and avoid charging me any interests. 
Unfortunately, the bank system has not performed well and later I discovered a change on my account have been performed, the auto-pay setting changed to minimum due, without informing me which entailed charging me {$2200.00} of interest for not paying the debt on time. I am disappointed because I always meet my obligations and I never done this change, and even when I discovered this mistake and the big charge, I paid the full balance {$3300.00} at once as a proof of my commitment to my obligations and to stop the monetary bleeding. When I reached out to the bank, the bank representative informed me that the change to minimum due have been performed after three minutes only of the first set up ( i.e. XX/XX/16 at XXXX ), however, the received confirmation email dated XX/XX/2016, XXXX XXXX which is after that false change by 58min, moreover, I never receive a confirmation email from the bank with this change.
Hello This compliant is against my current loan servicer XXXX XXXX XXXX. I always make my mortgage payment on time but there has been times that my payment didn't go thru and XXXX XXXX  would ding me for non sufficient funds fee of {$30.00} when I called them to investigate what the issue is since I had more then enough fund in my checking account at the time. After they looked into it they told me that I had missed a digit in my account number so my payment didn't go thru. So my question to them is why didn't he online system just reject my payment right there and then so I could have gone back and entered the correct account number? there answer was even if I entered the wrong info I would still get a payment confirmation which didn't make any sense to me so I asked for a manager who was not available. After numerous calls I finally got a manager on the phone and he was just rude and arrogant told me that's how there system works. I asked why am I being charged with non sufficient funds fees he said that what happens when you enter the wrong account number. A simple human error I made and they are not willing to work with me or even waive the fees knowing it was a error and nothing to do with non sufficient funds. I don't know how many people are dealing with this type of issue but im sure im not the only one based on all the XXXX reviews I have read. The company has a 1 star rating due to there unethical ways of doing business.