WillisBack/dataset-financial-user-claim huggingface dataset:
I received a consolidated student loan during my years as a student at XXXX. I repaid the loan balance in XX/XX/XXXX or XX/XX/XXXX. In XXXX I received a notification from a debt collector saying I owe XXXX  {$200.00} for a Perkins loan. I had not ever received a notification of this debt prior to XX/XX/XXXX, plus they had added interest to it. I sent a letter to that debt collector and said this is not my debt. They sent me back a statement that I had signed back then in XX/XX/XXXX for the {$200.00}. However, I rightly assumed that all my student loan debt was repaid. No proof was provided that this {$200.00} was not included in what I repaid back in XX/XX/XXXX or XX/XX/XXXX. Plus they've added interest to it and added this debt to my XXXX Credit Report. Is this legal? How can these collectors,  on behalf of the Dept of Education try to collect a debt from 26 years ago that they have not proved is valid? Plus XXXX is known for sloppy record keeping in the past. It is my contention that the information provided by them is inaccurate. I want to debt removed from my credit report and for collectors to stop pursuing me for it. Thank You
.Im not paying for these finance charges that have been blown out of proportion. XX/XX/XXXX2017 they offered the same vehicle for sale for XXXX. XXXX XXXX XXXX in XXXX XXXX, LA.. Ive got copies from the internet Tell Nissan to call their collection dogs off and lets fix this. They cant be Stupid the rest of their lives..
XXXX    XXXX   client  XXXX   XXXX  is an identity theft victim. His information was used to try to establish credit accounts without his consent.  I dispute of one such application was sent certified mail to Capital One by our agency on behalf of our client. Capital One replied to our client informing him " no account was found '' and asking for information about the fraud investigator that was assisting the client ; questions like, financial information about the LPOA issuer, the SSN of the issuer, the job title, the home address, things not related to what a Limited Power of Attorney addresses. The LPOA submitted was to speak on the behalf of, that is all. In addition Capital One failed to even read the dispute infor mation provided. We are not disputing an account ; we are disputing an application and requesting the inquiry generated be removed as outlined in the FCRA.
We disputed charge of {$490.00} to Citibank on Merchant " XXXX XXXX XXXX '' for charge date of XXXX/XXXX/16. We mailed Citibank cover letter along with all prior documentation and providing detailed info on why we did not get the service they billed us for. Today we rec 'd letter from Citibank indicating investigation completed and they have no recourse with the merchant for this type of dispute. Citibank said they determined that the service for which we were billed was provided. They att 'd copy of old correspondence and billing from the merchant but gave no acknowledgement that they received any of our dispute correspondence where we gave specifics on not getting the service. I will provide you with all prior correspondence by attachment ( hopefully the prompt for this comes up later ) We have tried to contact Citibank to talk with someone but it is impossible because we do n't have phone # nor a contact person nor will they give me this information, even on the letters they send. I might point out that Citibank took over this dispute from XXXX XXXX as Citibank took over XXXX from costco. We have tried talking with the merchant, XXXX XXXX XXXX, but we can not understand anyone that has called us. Very heavy thick accents. We 're senior citizens and have a very difficult time understanding them. We ca n't even find out if XXXX or Citibank forwarded a copy of our dispute letter to the merchant. We sent the dispute letter to the bank as they were the ones that requested our documentation.
On XXXX/XXXX/15 I cancelled my internet service with XXXX. In XXXX, XXXX, XXXX & XXXX I called XXXX due to bills received that did not reflect the final balance. Since then XXXX has sent my account to collections. I do not owe {$130.00}, my bill should not have been more than {$30.00} or {$40.00}.
My government student loan went into default I. I voluntarily contacted the collection agency handling and entered into an agreement to repay at {$380.00} per month have not missed a payment at all and they allowed my tax return refund If {$2100.00} to be seized as repayment for the loan.
RE : case # XXXXSo, in response to my complaint I get a scoulding from Capital One? Why and what do these groups think thier allowed to do? XXXX of all I am an adult. Next, I do not need to be incriminated as being irresponsible just because I am a female. Finally, my life and my finances are not for public viewing. Should we have each person who works for Capital One and other such credit lines place thier own finiances in public. Better yet, should any of these creditors place any part of thier personal doing into public eye including thier XXXX and phone conversations. Now does Capital One think they should have special privileges on anyone 's spending. Are they the federal reserve of which expenses and taxes flow? NoSo please view the Capital One response and tell me how I should grasp misconduct of the credit card companies bullying and bad medicine. Out with them. I am so upset and feel XXXX by this letter of suggestion that is not this Capital One or any other high interest rate XXXX is happening.
I have made several payments ( XXXX - {$80.00}, XXXX - {$80.00} ) to Captial One and although it is reflected on my paper statements it is not reflected on online payment activity. When asked about the issue and concern that my payments where not being applied to my account, I was informed that payments made through my bank 's online bill pay system will not be reflected online. However, all other payments made through my bank 's online bill pay system where reflected under payment activity. 

My concern is that my payments are not being applied to my account and possible the statements are not accurate. Banking is no longer about what you send me on a paper statement, since paper statements can reflect whatever the person preparing the statement wishes. I almost solely bank electronically and need it to be accurate.
Credit Bureaus reporting inaccurate information on accounts. Disputed these items before but still have no accurate verification of the information that's being reported on closed accounts. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
i have many inquiries on my credit file that i did not authorize. on my transunion report there are reportings from XXXX CARDXXXX XXXX card- XXXX/XXXX/XXXX XXXX card - XXXX/XXXX/XXXX XXXX Auto - XXXX/XXXX/XXXX i contacted XXXX Card and they confirmed that i did not make these inquiries - i 'm attaching the letter of confirmation in this complaint
On XX/XX/XXXX I was sent an Installment Loan Final Payment Notice stating a final balance due on my auto loan with Fifth Third Bank of {$830.00}. We expected to owe no more than a few hundred. This total was a shock.

After receiving the notice on Saturday XX/XX/XXXX, I called the customer care number of XXXX first think Monday morning, XX/XX/XXXX. I spoke first with XXXX, then escalated to XXXX in customer care.

They explained that 19 late charges ( each a ~ {$27.00} fee ) had added up over the life of the loan.

All they could do was reverse two charges. Yet, after a detailed account inquiry with them, I am formally submitting a complaint for these reasons : - I was never alerted we owed any late fees - We paid every single payment using the coupon book - We always mailed payment to the Bank prior to XXXX  of monthlast day of grace period - On a few occasions when we knew we missed grace period, we included an additional {$30.00} late fee - We were given no way to have the Bank waive the additional fees, but instead were told regulators do not allow banks to work flexibly with people in these situations for fear of favoritism ( my words ) We owed {$300.00} but now still are expected to pay {$830.00}, though we paid every coupon payment in full. This is not acceptable.

Please note that Fifth Third sent me this notice on XX/XX/XXXX and I did not receive in the mail until XX/XX/XXXX.

I sent in all my payments in the mail with postmark before the end of the grace period. Yet I am penalized for mail delays we see so common, even from the Bank sending this notice to me.

The Bank told me todayfor the first timethat I had 19 late payments for this exact reason. I have had a sterling credit history and do not make late payments as a pattern. I thought all along I was playing by the rules and was never told otherwise, until the shock of a lump sum final payment hit, with no reasonable options to sort it out without having the escalate to the Federal Government ( CFPB ).

Had the Bank alerted me each time I had a late fee charged for this reason, I would have paid it right away and known not to postmark by the XXXX, but by the XXXX. By extending consumers a grace period ( to the XXXX, in my case ) but then penalizing them for not having received the payment by the grace period date, it is no grace period. It is another way for the Bank to take advantage of its power position in the situation.

Yet, the Bank Personnel I spoke with were fantastic and understanding. Community banking practices would have allowed them to remove the fees. Regulating these practices out of our system may feel more fair, but it is actually harmful and slow. The bank should be able to remove these fees after a simple inquiry on its own, without me having to resort to this complaint.
Hello CFPB, I had opened a checking account with Citibank in XX/XX/2018, noting the promotional code XXXX where they would credit my account {$400.00} after depositing {$15000.00} for 60 days. I had made the {$15000.00} deposit XX/XX/2018 but it is now XX/XX/2018 and I have not yet received the {$400.00} bonus. I have been working with Citi over the phone and over chat messages and they keep letting me know that they are looking into the issue and that I should be receiving the bonus soon, but I have not yet received it after months of waiting. Could you please investigate this issue for me? 

XXXX XXXX
this company is reporting fraudulantly, this account is being reported as late months when they had not even bought my loan from prior company. XXXX bought loan XXXX 2016. also, there was a three month payment arrangement was fullfilled account never late and they are still reporting 30 days late. they 've rejected payments, sent back auto pays, since there employees seem incompetent to apply payments properly and on time.
I recently completed a Chapter XXXX Bankruptcy and paid my mortgage and arrears through my Chapter XXXX Plan. My Trustee filed a notice of mortgage cure and has given me payment records that indicate my principal balance should be significantly lower. My loan started with XXXX XXXX XXXX and was then transferred to Greentree and now is with Ditech. No one seems to be able to give me a complete account history so that I can have a XXXX audit my loan file from its inception which is XXXX of 2001.
The XXXX XXXX account on my Transunion credit report contains fraudulent information. I have filed several complaints with Transunion and XXXX XXXX. Still, not any of these issues have been corrected. Transunion is allowing this company to report fraudulent information towards me. XX/XX/XXXX, I filed chapter XXXX bankruptcy. The XXXX account was included in the bankruptcy. On XX/XX/XXXX, the trustee located in XXXX, Al., XXXX XXXX XXXX, started making payments to XXXX. On XX/XX/XXXX, the final payment was made. I paid the principle amount for {$2100.00} and {$230.00} in interest. I 've filed several complaints with Transunion, only to hear they completed their investigation, and everything on my Transunion credit report was correct. In other words, Transunion probably contacted XXXX and they believed the lies and false documentation XXXX provided. Had Transunion done a thorough investigation like they should have, they would have seen I 've been making payments since XX/XX/XXXX. Bankruptcy is public record. All Transunion had to do was pull a copy of the bankruptcy. The case number is located on my Transunion credit report. The XXXX account was closed on XX/XX/XXXX, according to Transunion. Why was the account closed 4 years before it was paid off with interest? Does Transunion just believe whatever companies tell them? Why do I have a delinquent and derogatory mark against my credit report. The last complaint I filed with Transunion about this issue, I was told not to file " frivolous '' reports again. I 've filed complaints with every federal agency against XXXX XXXX. They would never respond to the requests. I spoke with a lady named, XXXX, in the XXXX bankruptcy department. Was nothing but a waste of time. However, had Transunion done their job, I would not have gone thru this for about 2 years. I really do n't want to hear how you have so many complaints, it 's hard to keep up. You affect people 's lives by not providing accurate information. I 've been thru XXXX awful divorces, which has caused my credit to suffer enough. This bankruptcy is finally completely paid off, around {$56000.00} worth. The case number is XXXX. The name is XXXX XXXX XXXX. The case was filed in XXXX, Al. Another question, after you look at my bankruptcy case, and I 'm sure you will do it this time around, why is the XXXX account, the only account still on my credit report? All of the other accounts included in the bankruptcy have been removed. XXXX more quick issues. First, the Transunion report has me employed at XXXX. I 'm XXXX years old and have never worked at XXXX. Second, someone has reported fraud towards the Transunion report. I did not report this. I 've tried calling Transunion customer service. Not sure which country Transunion uses for these jobs, but I cant understand them.
Navient calls my daughter, myself and my ex-husband about 20-25 times a day each. They do n't answer, and I am at work all day where I ca n't answer the phone, so they call my work as well as my cell phone number. I am going through a very bad divorce, my husband left with the marital funds and I do n't know where he is leaving me living from paycheck to paycheck ( and not a lot ). When I was home after having XXXX in XX/XX/XXXX, Navient called my work again and again ( a college main office ) and had the nerve to leave a message for me with our STUDENT WORKER!! They asked for me and, said it was XXXX from Navient, and said to forward a message to me about a personal matter. How mortifying a student had to email me at home in recovery about my late student loan payment! This is from when my daughter went to college for her degree several years ago. <P/>Here is what I found in my inbox from my STUDENT WORKER! Checking in & Forwarding message XXXX XXXX XX/XX/XXXX to me Hi XXXX, I hope you are healing fine and getting plenty of time to relax and restore. I 'm emailing you because a call came in for you by a woman named XXXX from Navient. She asks for you to contact her when you get the chance. Her number is ( XXXX ) - XXXX - XXXX XXXX XXXX. <P/>
Kind regards, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX
On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : XXXX XXXX XXXX Bank ALLY Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto The following inquires were pulled from my XXXX : XXXX XXXX Auto Finace The following inquiries were pulled from my XXXX Credit Report XXXX XXXX Auto XXXX XXXX
Citibank has been c hanging dates and moving around transactions to able to collect extra fees. This is serious. And unfortunately for them, I can prove it by proving the time of transactions ( ie   XXXX    transactions that went through because I had cash on my account before they changed the dates of transac tions ).      On  XXXX / XXXX /  XXXX   my account was positive.   On  XXXX / XXXX /  XXXX   a check from Bes t Buy Credit ( still citiba nk ) made me go negative by {$60.00}. There are no ATM branches in  XXXX , TX so I immediately made transfer from another bank account.   In the meantime citibank charged me {$34.00} to reject the check + {$34.00} for going negative. CHARGING ME TWICE A {$34.00} FEE FOR THE SAME REASON!     The transfer hit on the  XXXX , in the morning and my account was positive. Best But retried the {$100.00} check and everything was fine I had a surplus on the account.     On the  XXXX  an additional {$1200.00} was added to my checking account.     Although I was fine in the morning, a few hours later the best buy check had retroactively bounced and the dates on all the transactions had been set forward by a day.     The dates of transactions had been changed and reshuffled to justify additional fees!     Last month the same thing happened and I was reimbursed. But this is too fraudulent by a major bank. I want to sue.
I completed a dispute for an account listed on my credit report as a collection from Portfolio Recovery Associates. Being that I have never done business or signed a contract with them I asked for validation of debt owed in XX/XX/XXXX. I received a letter on XX/XX/XXXX,  which is after the allowed 30 day period, that included their " validation of owed debt ''. This letter only states how much was owed at the time. The letter never notified me of my rights under FDCPA and FCRA to dispute any information I deemed as inaccurate.
I have loans with XXXX XXXX now Navient. I was told by customer service reps that the only option when I was unable to make my full payment was to take forbearance when I graduated from school and unable to get a job making enough to cover the payment and my living expenses. A few years later during the recession I was laid off and unable to make payments. I was basically told too bad I should borrow money from family or decrease my living expenses by XXXX XXXX employees. My payments were over XXXX of my take home pay. My balance has since ballooned to double what I originally borrowed. I feel as though I 'll never rid myself of these loans and am still digging out from the damage missed payments have done to my credit due to predatory lending and practices.
RSH & Associates and I had an agreement to take out {$53.00} out of account every other week for my debt for 10 months, this went fine for 1 month and then they took the amount out back to back weeks and my husband called them on this and they refunded the money, and then he left a message which mentioned that they had broke the terms of the verbal agreement and that they would no further take any money until further discussion was made. Monday morning XX/XX/2018 we received a phone call about XXXX and my husband began to speak and ask who was calling and the individual did not give who he was or who he was from as is required by law until my husband asked and then he gave the info who he was and who he was from. My husband asked : why they had broke the terms of the verbal agreement and why they had not sent something as the law requires, and XXXX got extremely XXXX and said : " what law is that, what law is that XXXX. XXXX '' ... .to which my husband replied : a written notice of debts, XXXX said : we sent one in XXXX, my husband replied : we never received it, to which XXXX said : we have confirmation that you received it, my husband : well unless you sent someone out and put it in our mailbox you don't have confirmation, mail get 's lost and it was never received here, XXXX said : well you're local so were sure you received it. The conversation went on about it ever being received and then went to XXXX saying : well the payments have been cancelled per your husbands request and there is a balance due of {$970.00} and we want payment in full or we will turn this over to credit bureau and to the owner of the debt, he stated this twice while my husband tried to explain to him that we would like to keep the payment arrangements but want to make sure that when the verbal agreement is made that they do not continue to take it out when it shouldn't be to which XXXX said : we will sure try not to, my husband then ended talking with him when he said to XXXX : the one thing I have not heard this whole time is an apology for breaking the verbal agreement to which XXXX said : on behalf of rsh I would like to apologize. I XXXX then took over and wanted to make sure that we could continue to make payments and XXXX wanted to know why it would take 10 months to complete amnd wanted to know where I and my husband worked, my husband refused to tell him and he XXXX began to raise his voice as he had many times throughout the conversation and told my husband well we need to know why it's going to take so long, I XXXX took back over and made payments arrangements
There were not appropriate categories to choose from and I was forced to choose something, so I apologize for that upfront. 

In XXXX 2017, my husband 's ex wife subpoenaed information from Fifth Third Bank related to his bank accounts. We have an account together, so she received financial statements from that account. My bank also sent the " signature card '' from that account, which was created when I opened the account ( as an individual account ). The account contains a lot of my personal information, including the date the account was opened, my mother 's maiden name, and my social security number. No information was redacted. 

I had previously notified Fifth Third that I am not a party to the case. While I understand why the bank statements were released, my social security number is completely irrelevant and personal, and should have been redacted. 

I tried to resolve this with Fifth Third Legal and customer service to no avail. Customer service will only advise me that the matter is " closed ''. Legal will only speak to an attorney. 

My husband 's ex wife now has my social security number, and her attorney has released copies of the signature card to numerous individuals. This could be very damaging.
these people start calling me at  XXXX  in the morning and as late as  XXXX  also sometimes on the weekend. I had to change my phone number and cost me money  I d ont have to spare.
I purchase the XXXX XXXX  XXXX-2016. I have encountered several errors with the retainers that I received. I would like a reimbursement of funds due to the excessive amount of errors pertaining to sending the correct retainers. I am open for any reasonable reimbursement offers. I have included a letter from my dentist and the cost of the XXXX XXXX  and treatment.
During my last vacation, that I spent in XXXX, I reached my personal account at coinbase.com to check how things were going. 

I saw this error message : " Dear ..., We have reason to believe you reside in a country in which Coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. Treasury Department 's Office of Foreign Assets Control. As a result, we 've unfortunately had to close your Coinbase account. 

If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us at support @ coinbase.com immediately and provide us with a copy of a photo ID and proof of your current address. 

If your account has a balance you will need to contact the U.S. Treasury Department to request permission to access your funds. '' From that moment, 20 days ago, I 'm unable to access my account. I reported the issue via their customer support web site, email and event XXXX. I only obtained one, just one, vage answer saying they are investigating the issue.