WillisBack/dataset-financial-user-claim huggingface dataset:
I had submitted my paperwork for a renewal of my income based repayment plan in late XX/XX/XXXX or early XX/XX/XXXX. My expiration date of my current years payment was in XX/XX/XXXX, so I figured that I would get a head start by submitting my paperwork early. I had called later in the month to make sure that all documents were received. I was told they had been received, they told me my new payment would be XXXX and all I had to do was wait till XX/XX/XXXX to get my new payment. When I got my XX/XX/XXXX invoice, my payment had skyrocketed to over XXXX dollars. I called Navient and they said it must have been an error and that they would fix it. I asked if I could pay the XXXX and they said no, that that would be considered an incomplete payment based the amount they said I owed. My only option would be to defer the payment for another month while they fixed this issue, but that interest would accrue on the amount. Come the next month, the payment was still over XXXX dollars. I called back again and they acknowledged that I had called them and discussed the issue and that it should have been fixed, but that I would have to defer my loan for another month so they could fix it. I told them that they had told me that already and that it was n't fair that I had to pay interest bc of their mistake. The next month it was still not fixed! It took several phone calls to get this cleared up, I had asked to speak to speak to supervisors and all assured me it would be fixed and that if I paid the XXXX, I would still owe the balance and they would send me to collections. I was forced to accept deferment for several months. I finally called in XX/XX/XXXX and demanded to speak to another supervisor, this woman was able to fix the issue within minutes of the call. I asked her why this was not done during the many other calls I had made and she had no answer. I told her that I should n't have had to defer my account bc of their mistake and she said, " Well, you agreed to it '' I told you that the company had agreed to fix the mistake and that they had broken their end of the verbal contract. I was very angry and ultimately, the payment was fixed but I still accumulated interest bc they did not process my paperwork and failed to make good on the several promises to fix it and I was threatened to be sent to collections if I did not defer. 

I accumulated loans from XX/XX/XXXX-XX/XX/XXXX for University XXXX and from XX/XX/XXXX-XX/XX/XXXX at XXXX University.
I had first forensic DNA when no any one forensic DNA agency in XXXX, had training subject matter form XXXX XXXX XXXX XXXX. 
As Development nation XXXX Police and Army personnel unskilled in nature about Constitutional Rights and procedure amone civilian, it first disconnecting internet since XX/XX/XXXX to XX/XX/XXXX for their preference web I may permitted about it it several complain submitted ic3.gov no result. 
I had also A commitment between me and United States of America fund and technology but gangs blocking all rights inhere in XXXX, succession property interest with others income. 
Financial criminals unlawfully obtaining my property using several ways and I have received one email from USAA for E-Payment at my another email is XXXX at Sun XX/XX/XXXX, XXXX XXXX, i had tried to contact but sender was false, sender email ( XXXX ). 
to day XX/XX/XXXX I have participated online registration with https : //www.usaa.comXXXX and this agency get my all confidential data are date of birth, passport number all accurate but after completion web site replied false " We're unable to complete your request online. '' This type of Online Banking or Institution unlawfully transaction beneficiary property and as I am foreign person I am serious victimized against this powerful gang. 
Requesting investigation and action appropriate according to International law related analysis it corruption and Official Bribery and according to Statute of International Criminals Court it is International Humanitarian law violation.
This is concerning Complaint XXXX and another XXXX. I disputed this resolution, because they said they could n't verify a debt, and asked for proof of letter. This resulted in a related claim XXXX. However, I got an email stating that the CFPB could not send the complaint because they could n't find the company. I find this hard to believe, since this was just a dispute for the complaint they answered to. 




I received yet another notice from Convergent saying I owe over {$1600.00} to XXXX. I received XXXX the day before saying the same thing about XXXX. I have the following issues. 

1. I called Convergent today to see what they could tell me, which was absolutely nothing. I asked for details, and the phone was conveniently disconnected. I called back, and was on hold for over an hour, and still did not get anything. 

2. This debt was not me. They did n't even spell my name correctly. 

3. The notice had no option to verify debt, and when I asked them to, they wanted my social security number, which I 'm not going to voluntarily give without some form of verification of debt. 

4.This debt is waaayyyy past the statue of limitations to collect a debt in Michigan, which is 6 years. Considering I 've lived out of state for the past XXXX, nobody has a right to even try to collect this debt. 
I sent all information that was asked of me, and they are still saying they did n't get it. Therefore, I am writing it in this message. 


XXXX XXXX XXXX Account # : XXXX Convergent Account # : XXXX
On XXXX/XXXX/2018, I sent The XXXX XXXX XXXX a Validation Letter asking them to provide documentation. The attached return receipt shows that the letter was received on XXXX/XXXX/2018 and that Sue signed for it. It is now XXXX/XXXX/2018 and I have not received anything from The Bank of XXXX XXXX. It shows 2 separate accounts on my credit report from them. Both accounts are showing a credit limit of {$300.00}. I have never heard of this company and I've never done business with them. In the payment status comments, It shows that the account had been transferred to XXXX XXXX XXXX but, Its listing Bank of XXXX XXXX as the company that is reporting the negative account. Not XXXX XXXX XXXX. I have had someone to steal my identity in the past and these are definitely not my accounts. The address associated with this account is not even the address that I lived at. I will provide a Lease showing the address where I stayed
I had to put a call blocker on my cell phone because they call XXXX times in XXXX minutes. They will not disclose who I owe or how much I owe and say they will send someone to arrest me. So I put a block on the phone so it will no longer ring into me. On a typical day I get around XXXX phone calls from them. I can see the number on the call block list. If they are not going to disclose information why should I? I have only read bad things about this company and do not want to give them any personal information.
THE COMPANY SHOWED A 30 DAY LATE IN XX/XX/XXXX. THE COMPANY ALSO SHOWED A 90 DAY LATE IN XX/XX/XXXX. THE PAYMENT WAS NOT LATE, IT WAS MADE ON TIME. I HAVE MADE NUMEROUS ATTEMPTS TO RECTIFY THE MATTER BY SHOWING ITS INCORRECT WITH THE COMPANY.
I am a resident of the state of Alabama. When the hurricane hit my state, I along with my husband experienced severe losses that will take time to recapture from insurance and hurricane relief. We can not make mortgage payments on one of our properties until it is 100 % repaired and livable. 
Therefore, we with to make our bank aware of this situation, and for them to send to our home by mail, as well as to our email address a complete modification package. Me and my husband should have our affairs in order no later than XX/XX/2019. There may be additional relief from the Government, that will take time.
I completed a Loan Application on or around XXXX XXXX, 2016 with XXXX, A Division of CMG, NMLS XXXX with Loan Officer, XXXX XXXX XXXX, XXXX XXXX. When XXXX XXXX emailed me the pre-filled in Loan Package for my review and electronic siganture along with instruction to print out specific pages and apply my wet-signature to those documents to be placed in the mail to him. After XXXX/NMLS No. XXXX received my signed documents back which included 'INTENT TO PROCEED WITH APPLICATION ', 'CALIFORNIA LOCK-IN AGREEMENT, 'Closing Disclosure Documents ' and the Uniform Residential Loan Application ... XXXX/NMLS No. XXXX proceeded to 'Violate My Civil Rights/Constitutional Rights ' by LOCKING MY INTEREST RATE WITHOUT MY CONSENT. The pre-filled in application that XXXX XXXX provided to me to complete electronically clearly was MARKED that the INTEREST RATE WILL FLOAT. I did not give my 'Consent ' to XXXX XXXX XXXX 'Lock My Interest Rate '. 
Furthermore, I believe Diversified Mortgage Group could have placed me in a 'Better Mortgage Vehicle ' such as a Loan with XXXX, since XXXX has a Mortgage that will cover the 'Borrower 's PMI/MIP Payment, thus giving me a little relief regarding my monthly mortgage payment instead of the 'Predator Product ' that they placed me in.
XXXX continue to receive calls from " Astra Business Services '' XXXX, stating I owe money from XXXX XXXX XXXX from 2011. The person on the phone had an old address, and the last XXXX digits of my social security number. They requested my new address which I did not give them. I called XXXX XXXX XXXX and verified that I never had an account with them under my name and had no outstanding debts.
I keep keep receiving phone calls from a company that says I owe {$1200.00} from a payday loan in 2011. I keep getting harassed saying if I do n't pay the money, I will go to jail.
I am having this issue with transunion refusing to update the XXXX account that was discharged in bankruptcy on XXXX/XXXX/15. The dates as you can see are wrong as well as the account status that states - closed - derogatory. There is also a high balance showing of {$14000.00} which is supposed to be {$0.00}. This account should show {$0.00}, discharged in bankruptcy. It is misreporting and I have spoken with this credit bureau more than once in the past two weeks yet they continue to repeatedly tell me that it is supposed to report as derogatory when it is discharged in bankruptcy however this is not what I read the federal law to state. This misreporting of this account on my credit is causing me to not be able to obtain credit and has hindered me for over two years now.
XXXX XXXX, CA - XXXX XXXX/XXXX/2016 Wells Fargo Bank, Customer Correspondence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, NC XXXX Dear Wells Fargo Bank, RE : Bank Associate Given my Accounts details and New ATM card to another Customer Account # XXXX Today XXXX/XXXX/2016 around XXXX I got a Wells Fargo phone alert Debit card ending # XXXX try to ATM Cash withdrawn at XXXX XXXX ATM and due to incorrect PIN transaction has been denied .I got so many alert ( screenshot attached ) and after that I called your call center and stop that above ATM card. 
Even I did n't order any extra ATM card at all past few years. 
After few mutinies later I got four emails from your bank and says I have been changed mailing address / Phone number / Customize Summery Details and Cancelled Wells Fargo Surepay Mobile ( screenshot attached ) .As soon as I log in to my online banking, I seen they have {$200.00} XXXX ATM Cash withdrawn and another {$82.00} ATM Cash withdrawn. I am so shocked and I live in XXXX XXXX and how possible ATM withdrawn while I am in XXXX XXXX. I Called again your call center and informed that my account some fraud activity. 
Agent says Wells Fargo XXXX XXXX Branch issued new ATM card today. How is possible? Without any verification how your banking associate did issued ATM card and that 's the reason another person withdrawn money from my account. And Banking associate update new mailing address and personal contact information to. ( screenshot attached ). 
Good thing is I called your call center and cancelled ATM Card last for number ending # XXXX. 
I am still disappointed and this is serious issues. I should ask legal help this serious matter I need my new ATM Card as soon as possible and Delete my profile XXXX XXXX mailing address. 
Your Bank looking in to my complain serious issues and take an action as soon possible. 

It 's wo n't be happened for future customers .and You should reverse that Amount {$200.00} and {$82.00} as soon as possible. 

If you need any more details contact me ( XXXX ) XXXX Thanks XXXX XXXX XXXX XXXX
My deceased mother 's name, was added to my Equifax Credit report, as my previous name.
My original letter to CBCS on XXXX/XXXX/16 acknowledged their your demand for payment in the amount of {$470.00} on behalf of XXXX XXXX XXXX XXXX. 

They provided no information about this account. I demanded " that you provide the following information to me within 14 days, otherwise under the provisions of Public Laws XXXX, also known as the Fair Debt Collection Practices Act, that you and your organization must CEASE & DESIST all attempts to collect any and all debts. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Maryland XXXX 
Provide details regarding this account : 1. Property address 2. Dates of service 3. Complete payment history 4. How this amount is calculated 5. Proof that this is in fact my personal debt, rather than that of a business entity. This proof must include any and all signed documents by me assuming personal responsibility. " I never received a reply until a letter dated XXXX XXXX, 2016 which is the exact same demand for payment/settlement with no evidence that this is my account.
In XX/XX/2018, I opened a credit card account with Bank of America. My application was in their process for over three weeks until it was approved. I paid my bill on time each and every month. Untill recently I tired to use my card to purchase some gas and it was declined. I called the company the next day, only to learn that my credit card account was closed XX/XX/2018. They told me their risk team closed my account because of my recent credit report score drop. I told the risk team that it was a mistake on this company reporting me as late when I paid them and they misplaced my payment in a savings account instead of on my credit card bill. Then their system automatically reported me as 30 days late when I was not even late. Then I find out in the mist of trying to fix one problem. Bank of America closes my credit card account off of one negative remark on my credit report. This is unfair, because risk management told me I can reapply again. I do not want to keep adding inquiries to my credit report. This new closed account affects my credit negatively also and takes away from my number of revolving accounts and my credit percentage rate. This has had affects on me emotionally and caused me financial damage.
This company is by far the worst company ever, they are very rude, not helpful, and causing stress to my already stressful life. I called this morning and I spoke with a rep. by the name of XXXX, she was so nasty and rude to me it was unbearable to even finish the conversation, she called me a liar and stated that they are not removing anything off of my credit. I explained to her that the item is incorrect and that it 's been removed off of my XXXX report, so why is it so hard for it to be removed XXXX, she told me that she doesnt have anything to do with that and does n't care and that her company will not be removing anything. I 'm very upset about this issue. I will be hiring an attorney and we will be pursing in a lawsuit against this company. I do n't want any more harassing phone calls about this debt that is n't mine. They have caused great harm and embarrassment, contacting family members, non-family members and my job. I 've asked them several times to not contact anybody in my family, job, etc. and they continue to do so.
On XX/XX/XXXX, I paid my account in full with XXXX XXXX XXXX XXXX ( listed under Accounts Research Inc. ). And on XX/XX/XXXX, I sent a letters to XXXX, XXXX, and XXXX to notify them that the debt has been settled and paid. However a week ago, I noticed that on my three bureau credit report report that XXXX XXXX is reporting a new balance on my account as well as reporting it as a new charge off with notes on the account that is simply not true. My score dropped 64 points. I called and spoke to a representative with the company and she apologized and said that she will update the information and it will be deleted off of my credit report. Fast forward today on XX/XX/XXXX, I woke and noticed my credit score dropped another 32 points because they decided to keep posting this as an active and open charge off when that is a lie the account has been paid in full as of XX/XX/XXXX. This is a CLEAR violation of my rights under the Fair Credit Reporting Act to be reporting this on my credit report for reporting a debt as charged off when you settled or paid it in full and misstating the balance due.The account was opened XX/XX/XXXX, it has reached its statute of reporting time of 7 years anyways this year on XX/XX/XXXX. I demand that this account be removed from my credit report with all 3 bureaus immediately.
We called the mortgage company and told them we were interested in a modification. At that time we had a scheduled sale date of XXXX XXXX, XXXX, which would have been in about XXXX days. They explained to us that they can not start a modification process, with a sale date that close, and said WE HAD TO SEND IN AN APPLICATION XXXX DAYS BEFORE NEXT SALE DATE. We went to the XXXX office and paid for XXXX adjournments ( XXXX days XXXX which pushed our new sale date to XXXX XXXX. 

We submitted the application on XXXX XXXX, XXXX, which is actually XXXX days before sale date, which falls WITHIN THEIR GUIDELINE. When we called for a status on the modification, we were told that they can not process because they had to get ALL DOCUMENTS in within the XXXX days. PLEASE NOTE, THIS IS NOT WHAT WE WERE TOLD. WE WERE TOLD TO SEND IN THE APPLICATION START THE PROCESS XXXX DAYS OUT, CAUSE IT TAKES XXXX DAYS TO PROCESS!!! How were we to know every single document they would request subsequent to starting the process? We went on their website, printed and signed the application, and sent in with the supporting documents. 

Now they are refusing to process our application, even though we did EVERYTHING they asked us to do, in the time they asked us to do it! 

IF THE BANK REP GAVE THE WRONG INFORMATION TO US, WHY IS THAT OUR FAULT??
I was automatically enrolled into a Rewards point sharing program between American Express and XXXX, and received the email below. I never agreed to have my information shared with XXXX or any other affiliate. By claiming this to be a " convenience '', American Express has unilaterally decided to share my information. 
I had to un-enroll myself by logging onto my XXXX account. 

Text of the email I received, is shown below this line " Why am I receiving this email? 
For your convenience, American Express and XXXX have worked together to launch a new feature that automatically enrolls your American Express Membership Rewards card to Shop with Points at XXXX. Now that youve used your card for your XXXX purchases, you can view your Membership Rewards point balance and redeem for eligible purchases on XXXX, without the extra hassle of manually registering online. ''
I opened a checking, saving account together with a credit card application at the XXXX office VA of Bank of America on XX/XX/XXXX!

A few days later, the credit card arrived in a XXXX mail, which was already activated and ready to use! I dont know how that could be possible! So I called up the banker who opened the account for me. XXXX XXXX assured me that as long as the envelope was not open, the credit card shouldnt have any security issue! This message is different from what I learned before! I would like you to investigate the truth behind this message! Thank you About two weeks ago I designate the checking and saving account at Bank of America to be the bank account to receive the loyalty payment directly from XXXX XXXX! My books have been sold hot and people already started to copy the content and style of my books, but I havent seen the loyalty payment at Bank of America yet! So I went to the XXXX XXXX office VA of Bank of America on XX/XX/XXXX to report account fraud claim! The office was open, there wasnt any sign to say that the office was not operational or what! The big Bank of America logo still high on the building! But the people inside doesnt look like a banker! The things they were doing didnt resemble banker either! I would like you to investigate what happened on XX/XX/XXXX at the Bank of America XXXX XXXX office!

Today XX/XX/XXXX I called up the banker who opened the Bank of America account for me in the first place! He said his last name XXXX but declined his first name XXXX! When I asked him to transfer my call to the fraud department, he said he can not do that! Could you please investigate why he wasnt able to be himself and do his job?

I would like to charge Bank of America for employee-involved account fraud! There are millions of dollars deposits was erased from both my checking and saving account! The technology to retrieve all the data is handy! I would appreciate your help and justice!

Thank you
santander consumer usa is reporting a closed account as open the account is a old account and should be removed
( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.
I had reached out to Home Depot multiple times to have my account paid in full, within the 24 month period. I had made atleast 4 phone calls stating for the account to be paid in full. The last call I made for a payment was in XX/XX/2018, Home Depot never processed my payment and now I have charged me almost double amount owed. The amount that was suppose to be paid in full was {$5200.00} but now they have charged {$4400.00} in intrest. I feel scammed.

Every single conversation I was told that they would be taking a full payment and then they continue to just take the minimum amount.

Home Depot has told me they have no records of my calls and then told me they cant pull the recording. I keep getting different stories every time I talk to someone.

I understand they make their money in intrest but right is right, and wrong is wrong.

The full amount was to be drafted out of my account before the intrest was applied and Home Depot didnt process my payment and charged me {$4400.00} in intrest instead.
I have tried to contact Transunion after viewing a copy of my credit report and see that they are still reporting medical accounts on my credit report after I informed them that I wanted to challenge the compliance of the medical accounts that they are reporting on my credit report.
Bank of America constantly ads fees before I can correct the issue. I am a XXXX living almost check to check. So when I do get the money to fix the problem I get hit with more fees which makes it worse. This problem is so bad that I closed my account. They refused to redact the fees and I lost {$180.00} in fees right before rent.