WillisBack/dataset-financial-user-claim huggingface dataset:
Chase bank closed my account because loss prevention did not like that I was depositing my fiance '' a paychecks. At the time he did not have his own account and was having me deposit them for him. They closed/purged my account and reported it to XXXX XXXX XXXX as closed for cause. This also caused the same thing to happen to my XXXX checking and savings account. As a result I am not able to bank anywhere. Had I known that depositing my fiance 's checks would cause such an issue I would not have helped him out.
Noticed this collection since last year and have been disputing it ever since. Convergent Outsourcing is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me an invoice and itemized bill. This is not acceptable, FCRA states there must be a tangible contract provided to me upon my request, that bears my signature, showing that I am responsible for the account.
Equifax refuses to remove a Chapter XXXX case that is over 7 years old that I had dismissed despite Section 1681 ( a ) ( 5 ) of the FCRA. I have also filed a XXXX complaint.
My credit report shows I have XXXX credit cards. BK filed XXXX/XXXX/2014. These older accounts should not be on my credit
On XX/XX/2018 I requested a copy of my credit reports from XXXX, XXXX, and XXXX  credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1. AD ASTRA RECOVERY SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX or ( XXXX ) XXXX {$680.00} XXXX
My complaint is against Discover Card. Fraudulent charges appeared on my account, and were then credited. Discover operatives stated they were indeed fraud, and I would not be responsible. After lengthy oral and written communication, the balance was respectively brought to XXXX/ {$6.00} cents. Subsequently, The false charges were added back with an increase amount. Representatives of the company were abusive, hostile, and in violation of the fair credit billing and fair credit reporting act respectively. They were sent the requested information but still remain uncompliant and stated they will ruin my credit if false charges are not paid. I 'm deeply disturbed, as a previously valued customer there was very mutual respect. The account was always used properly, responsively, and promptly paid. I respectfully ask your assistance.
From the moment I went into loan repayment, I engaged Nelnet to find the most affordable option available for me. They put me on the lowest payment option ( not a federal program ) that extends the life of the loan and accrues the largest amount of interest. This option was absolutely in their interest, and did nothing to help me pay off my debt. I began to do research and asked to apply for one of the income-based repayment plans that are laid out on federal student loan website. They first told me that I did not qualify for any of them. 

This was incorrect ; I qualify for the REPAYE program. I 'm not certain, but assuming that they should understand these programs better than me, it was dishonest at best, and a lie at worst. It took me months to argue for moving my loan onto an income-based repayment plan. I engaged, and re-engaged for months, to only finally be placed on REPAYE this month ( XXXX 2016 ).
On XXXX XXXX, XXXX, I was looking to purchase a home. I found a home in my price range with the company XXXX. XXXX. The sales agent XXXX XXXX informed me that I had to put down {$2500.00} and since I was going XXXX that I would get my money back at closing. I gave XXXX XXXX the payment on XXXX at that time not one time did it say that my money " non refundable '' or I would not have given that amount of earnest money. On XXXX I met XXXX XXXX to go over the loan process. At that time I told her that I could n't afford an XXXX mortgage and that my earnest money was not to be part of the down payment she told me that she would get with XXXX XXXX about it. I told her that I would get with my realtor XXXX XXXX about the matter. In the coming weeks nothing was mentioned about the matter only about missing paperwork they needed to complete the loan application / process. My closing date was XXXX XXXX, on XXXX XXXX about an 2 hours before my final walk thru XXXX XXXX informed me that I was n't able to get the house but they have another house. XXXX XXXX I viewed the home and told XXXX XXXX that I would buy if the price was right and that I was not paying {$1800.00} that I could not afford that. He called XXXX XXXX from the house and she informed him she had room to work the numbers and it would not be XXXX. On XXXX XXXX I met with XXXX XXXX and again indicated that XXXX I could n't pay when she presented me with a payment of XXXX for a house {$23000.00} cheaper than the first house but my monthly payment would be XXXX in difference from the first house. I received emails for the next couple of weeks to send paperwork to complete the process but I did n't, due to my son becoming ill. I informed XXXX, XXXX, and XXXX that I was not going thru with the purchase due to the fact` that could n't afford the home. I was told that I had to submit a cancellation letter. After I presented the letter about a week later I was contacted by DHI Mortgage asking if I changed my mind on the house. I responded with no then was told " well your earnest money is non-refundable '' and told I have to sign a letter stating that. I have reached out to DHI Mortgage with no reply. since then they have sent me a bill {$420.00} for a appraisal on the second house that I never ask anyone to do, but I am told I must pay..
I graduated from XXXX College, XXXX XXXX, Michigan with my XXXX in XX/XX/XXXX. Soon after graduation I was unemployed from XX/XX/XXXX to XX/XX/XXXX. I tried to make my payments on my student loans during my employment with XXXX from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I was again laid off due to the bankruptcy of XXXX and XXXX. I was n't gainfully employed with an acceptable wage until XX/XX/XXXX. During this time my student loans were in deferment. I was under the impression I did not have to pay for the interest accruing on my loans. In XX/XX/XXXX I started paying on my loans and over the past year and half I have barely touched the principal balance on my loans. I currently pay my loans through Navient. My account number is XXXX and I currently owe {$27000.00}. XXXX unsubsidized Stafford loans and XXXX subsidized Stafford loans. 

Last week I saw on the local XXXX media news stations that a lawsuit was being filed against Navient from the federal government. I am writing to inquire if I am eligible to be part of the federal law suit. 

I appreciate any assistance that can be given to me. I can provide unemployment verification from XX/XX/XXXX to XX/XX/XXXX. 

Thank you in advance for your assistance. 

XXXX XXXX XXXXXXXXXXXX XXXX
National Recovery Agency A Responsible Revenue Recovery Company, has claimed i owed a dept. i told them this dept was not mine, they refused to tell me any information about the dept other then it was with XXXX and when i said i would call XXXX they claimed XXXX dsnt keep track of what and who owes them money. then today they called again stating they were dept collectors before confirming who they were speaking with. they had my name but stated and address i never lived at. stated i had confirmed the address with them and they had it recorded. i asked for the recording and they refused to pull it up. they are trying to collect false depts and are a scam. 

there number is XXXX
My credit card company, Fifth Third Bank, which my account has been closed, has called me at home while I am at work three times today within a XXXX period. I feel they are making their case for trying to communicate with me, but calling intentionally their " legal '' limit of calls per day during which time I am unable to answer, since I am at work. Each time, never leaving a voice mail, so technically I 'd never knew they called if I did n't have caller ID services. They called on XX/XX/2015 at XXXX. I consider this harrasement by bugging my wife in having to check the phone each time it rings when as a homemaker, she has much more important tasks than to babysit the telephone all day. I believe this violates the Telephone and Solicitations Act.
Equifax has deleted and re added an remove XXXX XXXX XXXX back on my credit report after i submitted the information for myself proven that the XXXX XXXX XXXX account has been PAID IN FULL, i sent Equifax 2 letters that states above, XXXX and XXXX has remove the above agency but Equifax removed it only to add this collection agency back on my credit report. I written Equifax about this matter and submitted the CASH CHECK and LETTER to XXXX XXXX XXXX to prove the check was cash with the information stating i wanted XXXX XXXX remove from my credit report, only for Equifax to unfair add it back on.
XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX Apr XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Had an account with XXXX XXXX radio since I bought my car, sometime in XXXX or thereabouts. Car came with XXXX subscription for free, when the time came I continued the service and paid for it. Each year the subscription renews, I had difficulty renewing and getting the account setup correctly in both of my cars. In XXXX when the time came to renew my car, I renewed/paid online. A few weeks later my car XXXX service in my car shut off. I called and found that they applied the payment to my mother in laws car ( which was on my account for a time being ), I explained that we had canceled that cars service about a year prior and had no intention of renewing that service, that my payment online was for my cars renewal, the bill that came was for my car and that was what I was trying to renew. They said they'd fix it ( something happens every year when the service renews, calling them is at minimum an hour call and the customer service is terrible, they make you feel like your in the Twilight Zone ), the next day my car service was still not corrected, so I called back. This time I called and cancelled the service for both of my cars that were on the account. After an hour and a half of telling them no thanks/please cancel, they finally did so. They said that I had a refund coming from the payment I had made online, it was not the full amount of the payment I made and they couldn't tell me why. At that point, I waited for my refund check and called it done with XXXX ( I thought ). A few months later, they send me a bill for about {$97.00}. I reluctantly called them back again to find out why they are billing me when I don't have the service any longer. An hour into the call, they finally tell me that I was on a 2 year contract and this bill is for the renewal. I explained that I never signed up for a two year contract and that I had cancelled the service months prior and that they sent me a refund of money I was owed so we could end the relationship. The customer service people I spoke to weren't going to do anything about it and that I owed the money. I tried speaking with a supervisor but didn't get anywhere with it. Now I have received a collections notice for the {$97.00} asking me how I'd like to pay. Number 1, I don't feel like I owe them this money for service I don't have nor want. I cancelled the account and they sent me a refund of what I was owed, now they want to force me to renew the service and sent me to collections. I need some help getting the collection removed from my credit report please!!
I made a payment on time to my XXXX XXXX on time on XX/XX/XXXX. I authorized XXXX  to charge from my XXXX XXXX XXXX XXXX checking account, which had sufficient fund at that time. But in reality, XXXX  tried to charge me from my saving account, which didn't has sufficient fund. Thus, it caused a {$27.00} penalty fee on XX/XX/XXXX. My checking and saving account has exact the same account number. Moreover, they didn't inform me this situation on time, just sent me an physical mail. When I noticed this, it was after 7 days. So they charged me again for another {$27.00} on XX/XX/XXXX. The thing which made me unhappy was that they didn't admit that they charged me twice even I asked my bank associate to speak with the representative directly. Definitely my bank and myself do not have any fault about these charges. XXXX  didn't recognize the source of payment and charged me twice for the unreasonable reasons. They asked me to fax proofs from XXXX XXXX XXXX XXXX to show them that the saving account and checking account share the same account number and prove I was charged twice. I have included the proofs on the attachment.
I obtained my credit report and there is a capital one account on my credit report that do not belong to me. I contacted capital one to inform them that I never applied for a capital one card and request that they provide proof or removed the account from my credit file and they never provided any proof and there after they turned the account over to a collection company by the name of XXXX XXXX acct # XXXX that is now showing as a collection company on my credit report.
On XX/XX/XXXX, I found out there is a transaction from XXXX  that billed on my Paypal account, the amount is {$380.00}, this amount has been deducted from my Paypal balance, no credit card involved. I didn't recognize this transaction, so I open a dispute case with Paypal.

After few days, on XX/XX/XXXX, Paypal informed me that they think the transaction is not unauthorized, therefore they can't issue me refund.

I've contacted Paypal, they said there is no way to re-open it, I have no choice but to contact CFPB.
My complaint is against the  USAA  mortgage procedures and the people who work in the USAA mortgage refinance section. I have been a member since late  XXXX . I am presently retired and purchased my home through the   XXXX   XXXX   XXXX  . I never had a problem with the   XXXX   XXXX   XXXX  . My trouble started when I refinance the house with USAA a bank located in Texas. The latest to the series of unprofessional practices happen recently when I tried to refinance the house once again. To keep things short ; the  USAA  Mortgage section without informing me or calling me just simply change, on their own, the loan amount. It was raised by {$1700.00} and my closing fee increase by 400 %. I am sure they hope I would not notice it. The loan should have been lower since  five  days before I made another payment to the bank under the present loan reducing my principal, but they increase the loan amount. All of this without previous notice and on the same day the title company notified me that closing is next. No heads up and they did this a couple of days when we where suppose to close who do they think they are? Am I supposed to sign a contract that they keep changing to hours before we close? I should have known since I was unable to speak with the loan manager. She conveniently made herself unavailable routing me continuously to other several individuals who where clueless about my refinance. They were automats who did things according to their method-operandi without any regard, respect, understanding, listening to me. It was difficult the hold way. No one person , USAA contractor , had the authority to listen just the original loan  manager  had the power but was unavailable all of the time.   Anyone who feels they have to re-finance and you are pushing  XXXX , I STRONGLY suggest go somewhere else. This people feel that if you are old you can be taken advantage. Beware - USAA have change a lot and they rather have a pound of your flesh than to respect your needs.   They should not be allowed to operate.
Good morning, I have had an account with Navy Federal Credit Union ( NFCU ) since XXXX. During the past 10 years I have experiences unethical and unprofessional business practices by all " customer support '' representatives affiliated with NFCU to include but not limited to, Debiting debt Payments from a youth savings account without permission or notification, allowing loans and credit cards to be opened without my consent or knowledge, especially XXXX which was specifically granted during a XXXX when they were required to reduce interest rates for pre-Mobilization debt, Harassment of my Family, and friends to strong arm me into paying debts and now crediting debt to prevent me from closing my accounts and formally ending my affiliation with NFCU. I have spent several years repaying debts to NFCU properly and responsibly as to be a good citizen and not declare bankruptcy as I have seen others do to avoid paying their debts. However, today when I have no reported debts remaining on either my credit report or in any statement for the last 3 years, NFCU has informed me there is an outstanding debt of {$58.00} on my Share-Savings account from XXXX which I have never received a bill or can find any proof of in either online or paper statements. I only have a message from NFCU, via their website, stating the account has a debt, which also does not show on the site. I have attempted to proceed honorably with NFCU ; however it seems they are unwilling to let me sever my relationship with them without taking another pound of flesh. I have decided to fight this claim as a line in the sand that I will go no further. I 'm hoping this will help build a case against NFCU 's unethical and unprofessional business practices and prevent them from doing this to others. 
XXXX ( XXXX ), XXXX, XXXX XXXX XXXX
I have been disputing and requesting validation of a debt I do not owe for nearly XXXX months now and EQUIFAX has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts. IN ADDITION THE OTHER XXXX BUREAUS XXXX AND XXXX HAVE ALREADY REMOVED THE ITEM in question, so it appears EQUIFAX wants to play by their own rules. The item on my credit report XXXX Acct # : XXXX is falsely showing. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items 1-6 ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.
In repaying a private student loan with Navient, I am making additional payments while currently on an interest only payment plan. Although I have not missed a payment they are telling me that I can not allocate additional payments directly to my principal.
My mortgage was service transferred to XXXX almost two years ago. Suburban mortgage has continued to report this mortgage as open with them and now I have my mortgage counting twice on my credit report, which is affecting my debt to income ratio and my credit score. This inaccurate credit reporting has harmed my credit worthiness and impacted potential lending. This is predatory and illegal and must be fixed within 30 days, according to the Fair Credit Reporting Act. To be clear, I only have one mortgage, not two. Suburban mortgage has continued to report my mortgage, even though their reporting reflects no payments. Potential creditors are counting my mortgage twice due to this abhorrent error made by suburban mortgage. If this is not corrected within 30 days, and a written resolution is not sent to me advising that it has been corrected, I will be filing litigation against Suburban mortgage and will seek reimbursement for my legal costs and other financial impacts this error has caused.