WillisBack/dataset-financial-user-claim huggingface dataset:
An individual, initials XXXX. received a threatening letter in the mail from Navient regarding my student loan. The letter contains a threat and several intentional false statements to mislead and coerce this individual into doing Navients work for them. The letter also contains my personal and private information as well as my personal financial information, including my loan balances, account number, my address and my social security number. I have never given Navient permission to share my personal information with anyone. Navient sent this threatening letter to an individual that my parents know in an attempt to get me to pay my loan back faster. This is illegal and possibly criminal. Navient used the US mail to commit this crime. That is a felony. 
The letter also provides the false information that I listed XXXX. as a reference for my student loans. This is a lie and I would never have used this person as a reference. I do n't even communicate with this person and I have certainly not given Navient permission to share my personal and financial information with this person.
I was a faithful customer to Kohls for many years. Several months ago I obtained a credit report and was dismayed at what I discovered. Kohls had me listed as delinquent credit card holder and my account had been closed. I never received any notification from Kohls regarding any problems with my account. I called and was asked to send documentation from my bank indicating I had made all required payments which I did do. In XXXX 2015, I received a letter from Kohls indicating my documentation had been received and my account corrected. The letter indicated it may up to 60 days to correct my credit report. I ran another credit report on XXXX/XXXX/15 and the information is still not corrected. I have not received a refund for overpaying the same bill XXXX times. The refund should be for {$25.00} ; I realize at this point that is not a lot of many, but now it is about the principle.
I've been charged more than 600.00 in overdraft fee in the last 2 years with my banks Chase Banks. I certain their overdraft fee policies were designed to specifically exploited the weakness of bank consumers tardiness. They are making billions from taking crazy fee due to sometimes charges that I've unaware off and there are no way and no time grace where I can deposit the money to take care of the overdraft. Instantly, they are taking credits for money not in the account. Something needs to be done ... as these bank are practically stealing legally from everyday hard working people. Being charge XXXX for a XXXX transaction is just pure loan sharking us.
I had fraud on my bank account with Fifth Third bank. I was given provisional credit and it was taken back months later due to an error on the bank behalf. I have submitted all the required paperwork only to hear I have to wait an additional 14 to 28 days before I can receive my funds back. 

This bank Fifth Third, has taken my ENTIRE paycheck for 2 week in a row, but I have to wait 14 to 28 days for a resolution that was not handle properly by Fifth Third Bank. 

As a consumer, this is not fair. The bank has insurance on their funds, unfortunately I don't have insurance on my funds, but I was under the impression this was a reputable bank. There has to be some sort of law to govern these kind of banking centers.
Due to Equifax 's negligent security practices, my name, SSN, DOB, full addresses, credit card numbers, and driver 's license number have been stolen, and are now public data, opening me up to identity theft and putting me at great personal risk, inconvenience, and potential expense. This is a breach of not only my trust, but of 150 million people. I 've placed Initial Fraud alerts with each of the 3 bureaus.
Today I received a notice from myfico that a new collection has been added to my credit report from Portfolio Recovery Associates. I never received any documentation in the mail to validate this debt, or give me a right to dispute. I have no idea what this debt is for. This collection is damaging my chances of owning a home, and obtaining any other type of credit.
I opened an account with Suntrust bank in XX/XX/2018. After opening the account I had a business loan being transffered into that account. Suntrust put the wire transfer on hold claiming to be doing a fraudulent transaction verification, this was after the funds were being held for Funds Verification.

I have spent numerous weeks being bounced found one department to another within the bank itself and have been told numerous times that the funds would be made available within 24, 48, 72 hours and within a week and within 2 weeks.

I have verified with the lender that the funds were wired to the bank and that the bank is within possession of the funds, which was also confirmed by an Executive Care Associate. 

At this point I feel as if the bank is just giving me a run around and is not going to release the funds and they refuse to give me additional information regarding the matter.
In XX/XX/2017, I attempted to contact XXXX XXXXXXXX XXXX to cancel my month to month membership on multiple occasions, never receiving a return call from my membership representative, XXXX XXXX. I relocated away from the gym, and have not been on the property since XX/XX/2017. 

As a last resort, I went ahead and contacted Bank of America to place a stop payment on the automatic withdrawal being removed from my account. After Bank of America went through their 90-day due diligence process, they successfully completed the stop payment, and returned all funds to my account. 

After receiving collection notices from XXXX XXXX via my email, I contacted XXXX XXXX ( Corporate Collections ) via email to notify her of the situation. All of the sudden, on XX/XX/XXXX {$330.00} is deducted from my account. 

Bank of America informed me that there is nothing they can do about this, since, " XXXX XXXX changed their name on the ACH in order to get the charge through ''. Bank of America also told me there is nothing they can do to get my money back, even after a successful stop payment was placed on XXXX XXXX. I would need to change my account entirely. 

XXXX XXXX informed me they will not return my {$330.00} as my membership was active, and only formally canceled when XXXX received my email regarding the situation. 

I will be closing my Bank of America account, as this is a complete disgrace to their attention to customer account security. As far as XXXX XXXX, their behavior, customer service, and collection tactics are simply " criminal ''. 

I'm never one to complain, but I've been driven to the edge on this situation. One company will go to any length to bill for services never rendered, and a bank unable to protect its most valuable assets, it's customers!
Got a loan from  CarMax Auto Finance,  car was repossessed, they sold car and now asking for me to repay the amount they lossed on resale The repossession of the car was their choice and their way of dealing with late payments. They never released any information to me as to how much they are selling it for and if I still wanted the vehicle. They took it and sold it for a value they wanted to accept ( I did n't sell it for the m ). Anyhow, my credit is getting dinged up every month with CarMax inquiries because of the vlaue they loss ed on the sale they made. This is a scam in my book. The dings really have nothing to do with car, they are trying to make me make payments for the value they did n't get back when they sold it which is not my fault.
I receive repeated ( sometimes twice a day ) harassing, unending " robo '' collection calls, which I do not answer and then my voice mail records their message. Their first recorded message states that if I am not ( then another recorded message states my last name first, then my first name ), I should hang up the phone. However, I suspect if I did answer, I would not receive such a message and be forwarded on to ( per their recorded voice mail message ) XXXX XXXX, Reference No. XXXX. 

I have checked their phone number on the web and the people responding call it bogus, that no verifiable proof of their claim ( s ) is provided. 

My credit history and rating at the XXXX bureaus is flawless and good. 

Please get these people to cease and desist calling me.
We received a chapter XXXX bankruptcy charge off in XXXX. Bank of America ( BOA ) stopped reporting our payments to the credit bureaus in XXXX. In XXXX, BOA stated that the changed the way mortgages are reported to credit bureaus. This is based on a ruling that did not exist in XXXX.
After many months, or years, of having private student loans ( ones that have zero consumer financial protection ) JP Chase and XXXX have consistently been RAISING the rates on my loans, when monthly I ask them to reduce these ridiculous interest rate charges. 

The opposite of what needs to happen, has been happening. If government exists to serve and protect the people instead of corporations, this is exactly the scenario in which it needs to do so.
AS REFERENCED IN SPS ' RESPONSE TO MY PRIOR CFPB COMPLAINT # XXXX, SPS STATED THAT THEY INFORMED ME AS TO WHY THE HIGHER CONTRACTUAL PAYMENT WAS DRAFTED HOWEVER SPS DID NOT DISCLOSE OR EXPLAIN WHY THEY ASKED ME TO ALSO MAKE CHECK PAYMENTS WHEN THEY WERE AUTODRAFTING MY ACCOUNT PER THEIR DOCUMENTATION RECEIVED BY ME IN MID XXXX XXXX WITH MY LOAN MODIFICATION PAPERWORK. 

IT IS NOT BECAUSE SPS AUTODRAFTED ME THAT I INCURRED BANK FEES, IT IS BECAUSE SPS AUTODRAFTED FOR A CONSIDERABLY HIGHER AMOUNT AND ALSO REQUESTED THAT I COMPLETE AUTODRAFT PAPERWORK TO REINSTITUTE AUTODRAFTS AND MAKE CHECK PAYMENTS IN THE INTERIM TO ENSURE MY ACCOUNTS REMAINED CURRENT, TO WHICH I WAS OVERCHARGED AND INCURRED BANK FEES OF {$110.00} FOR DUPLICATE CHECK PAYMENTS ( AS I WAS NOT AWARE THAT SPS WAS CONTINUING WITH MY ORIGINAL AUTODRAFT SET-UP WHEN MY ACCOUNTS ORIGINALLY TRANSFERRED TO THEM IN XXXX ). 

AS PART OF THE LOAN MODIFICATION PROCESS, SPS HAD STATED TO ME ON SEVERAL OCCASSIONS THAT THE AUTODRAFT PROCESS WOULD HAVE TO BE SET-UP AGAIN ONCE THE MODIFICATION WAS FINALIZED. YOU CAN IMAGINE HOW UPSET I WAS AFTER A LENGTHY MODIFICATION PROCESS WHERE THE SAME DOCUMENTS HAD TO BE SUBMITTED 5-6 TIMES BEFORE THEY COULD FINALLY GET THE MODIFICATION GOING, TO THEN HAVE THEM FINALLY FINISH IT 6+ MONTHS LATER BY SIGNIFICANTLY OVERCHARGING MY BANK ACCOUNT, CONTINUING TO PROCESS CHECKS - NOT ONCE, BUT TWICE EVEN AFTER I NOTIFIED THEM OF THEIR ERROR, REFUSE TO APPLY THE OVERPAYMENT TO MY ACCOUNTS APPROPRIATELY ( AT LEAST FOR ANOTHER THREE MONTHS ), REFUSE TO CREDIT ME THE {$110.00} IN BANK FEES, AND THEN START REPORTING DELINQUENCY ON MY ACCOUNTS AS A RESULT, DESPITE MY ORIGINAL REQUESTS FOR CORRECTION IN XXXX XXXX AND CONTINUALLY REQUESTED BY ME EACH MONTH UNTIL I STARTED FILING COMPLAINTS THROUGH CFPB IN XXXX XXXX ... THERE WOULD HAVE BEEN NO FURTHER DISPUTE, NO FRAUDLENT CREDIT BUREAU REPORTING, ETC. 

THE FINAL CORRECTION DEMANDED BASED UPON SPS ' ERROR IN XXXX XXXX, IS THAT MY CREDIT WORTHINESS BE RESTORED AND THE LATE REPORTINGS TO THE CREDIT BUREAUS FOR THE MONTHS OF XXXX, XXXX, XXXX XXXX BE CORRECTED. SPS HAS ALREADY CORRECTED THE PRIOR MONTHS CREDIT REPORTINGS TO THE BUREAUS FOR THE PREVIOUS MONTHS IN THEIR RESPONSE TO MY CFPB COMPLAINT NUMBER XXXX. THEY SHOULD HAVE CORRECTED THESE THREE MONTHS AS WELL AT THAT TIME, BUT THEY CONTINUE TO CONDUCT THEIR BUSINESS IN A DISHONEST FASHION, DEFRAUDING CONSUMERS OF THEIR RIGHTS. I FOLLOWED UP WITH THEM VIA TELEPHONE SEEKING AN AGAIN TO ACHIEVE AN AMICABLE SOLUTION AND NOT INVOLVE OUTSIDE PARTIES, HOWEVER, SPS LEAVES ME NO OTHER RECOURSE BUT TO CONTINUE MY COMPLAINT THROUGH CFPB.
HELLO. I WOULD SOME INFO.HOW I CAN GET SOME HELP WITH MY STUDENTLOAN IAM XXXX I CANT WORK & I HAVE MY MED.PAPERS TO PROVE IT IS THERE ANY SOLOUIONS PLEASE HELP ME?? MY EMAIL IS XXXXXXXXXXXX
To whom it may concern, I had a mortgage with Wells Fargo since XX/XX/XXXX, and just recently XX/XX/XXXX my house was foreclosed upon and sold at sherriff sale. I tried for a loan modification with them supplied them EVERYTHING they needed twice. They did not help me, said I did n't qualify because I did n't make enough money to pay a mortgage. So now we have to be out of our house by XXXX per the sherriff. I am highly XXXX, considering Wells Fargo was bailed out by the government and they could n't even help me and my children keep my house. I am tired of playing the game with the mortgage company considering they are getting an empty house when it has n't even been sold, and putting a family of XXXX on the street, with as of right now nowhere to go while they sit making their XXXX figure checks, I hope they can sleep at night knowing this. I am not going out without a fight, this is my house and I could have been paying them something even if it was not what they were asking for monthly, they could have obliged!!!! Also my housing Counselors office ( XXXX ) that was supposed to file all my paperwork, had me do everything minus what I could n't and she could do. I feel they did not go above and beyond helping the customer out while them too are getting government funding to do their job, it 's a disgrace how many times I had to go to court to be told the same thing that Wells Fargo is tired of trying to help me out ... really, when did you try to help me out? When you sent me the foreclosure papers, not helping me with a loan modification, sherriff sale eviction, which one did help me out again with, I 'm confused. They should be ashamed of themselves all of them, from the top to the bottom. You did n't help anyone out but yourselves in your pocket.
XXXX of 2016 constant calls emails monday thru sunday up to XXXX XXXX at nights ..calling my bank to get info
Currently we have a XXXX Debt to XXXX XXXX XXXX XXXX, and paying bill monthly. Have taken debt from XXXX to {$1000.00} since XXXX 2015. I have not had any indication that my debt had been sold to a third party until today after receiving a hostile phone call from XXXX from XXXX. He said that he was filing a complaint against our credit score for not paying a debt. I told him the amount was wrong, and I have n't received a bill from the new company. He said that did n't matter, I needed to pay immediately. He also said that I had to call the Hospital to get the receipts of my payment. I told him he should have gotten the correct amount and sent me a bill explaining this new process. 

I also know that if we are making payments on Medical Bills, we should not be sent to collections. He was threatening, unprofessional, and could n't even get his point across.
On   XX/XX/XXXX ,  I applied for a USAA  Limitless Cashback Rewards Visa Signature  credit card. The application was declined, with the following reason provided :  Maximum  credit extended. I inquired to USAA if I could be approved for the card by reallocating a portion of the credit limit on an existing USAA credit card to the new one. USAA responded that it would be possible to lower the credit limit on the existing card and reapply for the new card. I agreed to have the credit limit on my existing card lowered by {$6000.00} on the condition that the application for the new card be reconsidered, so that a second hard inquiry on my credit report would not result. USAA proceeded to lower the credit limit on my existing card by {$6000.00}, but informed me that a new application would be required for the new cardwhich would result in a second hard inquiry to my credit report. I would have expected that USAA would have confirmed if a new application was required before taking the action to lower the credit limit on my existing card, and was surprised by the poor interpretation and communication about the original request. When I informed USAA that I did not want to proceed with a new application on the basis of it causing a second hard inquiry, USAA refused to reinstate the {$6000.00} credit limit on my existing card.  <P/> While I appreciate that USAA took the time to consider a rather unusual request to reallocate a portion of my existing credit limit, I made it very clear that I did not want to incur a second hard inquiry on my credit report while attempting to be approved for the new card. As Im sure USAA is aware, a hard inquiry negatively affects ones  credit score.  I did not want this exchange to leave me  with two h ard inquiries on my credit re port ( one was a lready pulled with the initial application ). Furthermore, since the basis for the decision of the initial application appears to have been made based on a USAA policy ( maximum credit extended ) rather than my creditworthiness, I see no reason for USAA to have required a second hard inquiry to reconsider the application after the reduction of the credit limit of my existing card.
We have tried to contact Experian numerous times to cancel. They claim that you can cancel at any time and when you call in the wait time is 2-4 hours. In the meantime, we keep getting charged XXXX for both me and my wife! Help us please!
I called USAA about my checking account. It was closed by them last year sometime. I called and asked for a general letter stating it was closed. The woman in the bank portion told me that they did not have such letter but then stated she reworded another form and would send it to me in my message box on the USAA website. It would take any where from 5 minutes to 2 hours. After 3 hours I called back. I was told there was no documentation in my folder nor any such form being sent out. Once again I was lied to and deceived by USAA. After all they stole my car and are ruining my credit score every month.
The USAA bank made me responsible for my son 's debt after his death with XXXX. 
I did not share his credit card and he lived in XXXX and I in XXXX. 
Now I find they interfered with my Social Security account saying I am a bad credit risk. 
This is incredible! - hard to believe they would stoop so low to hurt a Veteran of XXXX. 
This is certainly illegal or should be. They have no right to hurt me in this way. 
I always had an excellent credit rating. Please rescue me. Thank you.
I received a notification today that Chase was increasing my interest rate from 11.24 % to 16.24 % simply because as stated on the letter, because the existing APRs are below the lowest APRs we currently offer. On the front and back of the letter, for everyone to see was the following statement : Important Information Enclosed Changes to Your Account. First, I am not happy that they have just decided after 13 years, that they need to gouge me with an interest rate of 16.24 % which is absolutely unconscionable in todays market. If they routinely charge their best customers that type of interest rate, I would hate to have missed a payment in those 13 years. I can only imagine how high the rate could go in that situation. Anyway, back to the letter. As I understand the privacy rules, Chase should be protecting my information, not publishing the fact that I have an account with their bank on the front of a mailing for the world to see. This was not even in an envelope, it was a Tri-Folded paper barely glued on the ends. Inside was the last 4 digits of my account. Anyone who knows anything about credit cards could quickly determine 12 of the 16 digits of my account simply by using one of Chases BIN and  the last four digits they provided in this very insecure mailing. That leaves only 4 digits to figure out. How long would it take for a computer to crack the code on that one? This was a very important notice. This is a notice that Chase should have to prove that the customer received. The fact that they just mailed it does not prove that a consumer recieved it. To be honest, I almost threw it away because it looked like junk mail. This is a change in the contract, not an adjustment based on the terms of the contract, but a change in the basic contract itself. Finally, I understand that Chase has itself covered from a legal standpoint on the interest rate adjustment, but I find it a very unfair practice to only adjust rates in one direction, that being up. Would it not be more fair to all the other consumers who have paid their accounts on time to recieve an interest rate reduction since obviously prime plus 5.99 % is more than a fair rate? I have closed the account with Chase because that was the only way not to have the rate increased, but this is not a fair way to treat consumers. Note that the attachment shows the condition of the notice as it was recieved.
XXXX, XXXX did an account review on XX/XX/XXXX. Not sure why, I have not applied for any credit cards, loans or anything else during the last year. 



XXXX XXXX XXXX XXXX did a credit report on XX/XX/XXXX. Not sure why, I have not had a car accident, requested any information from them, not have I tried to open an account with them. 

All the address that are listed where I lived are seriously incorrect : XXXX XXXX XXXX-sold house in XXXX XXXX The house on XXXX XXXX in XXXX, TX-sold house back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX-have not lived there since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX  XXXX listed twice with two different dates-both are incorrect. Have not live there since XXXX XXXX Not sure of the address it was XXXX XXXX, TX XXXX have never lived in this zip code XXXX XXXX XXXX  XXXX XXXX, TX-I have never lived at this address. This address belongs to my ex sister n law-who has a son who has been known to steal things from family members.
X/XX/2018 - Received an unsolicited, encoded Netspend prepaid XXXX. It includes my name embossed on the card. This opens me up to significant fraud risk, and I do not want this to be sent to me. I will be shredding this card, but my concern is that others may have or will be mailed that are diverted to inappropriate parties.
I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time XXXX  emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX, and Equifax. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it.
My mortgage was recently transferred to a new servicer Rushmore Loan Management and bought by a new lender. My mortgage was modified in XX/XX/2015 with XXXX XXXX XXXX and the terms of my payment changed to 480 months. Shortly after it was transferred to XXXX XXXX XXXX XXXX and terms were reported correctly.The new servicer Rushmore Loan management is reporting the terms at 648 months. I called to inform them that it should be 480 months not 648 months. I was told that it is being reported correctly at 648 months. I will include my modification agreement.