WillisBack/dataset-financial-user-claim huggingface dataset:
The post office destroyed my money order, making it undeliverable to pay my bill, and sent me a letter of apology, but will not compensate me for something caused by their negligence. It also made my bill late. I obtained the initial money order at XXXX and was told I would have to add an additional fee to resend the money order. This is unacceptable! I am XXXX and on a very limited income. Please help!
Chase is beginning to operate as a predatory bank. They have shown no accountability to the things they have done to my account. In XX/XX/XXXX, I made a transfer from my XXXX XXXX XXXX account to my chase account to cover pending transactions and to have money for lunch. I checked my account to make sure the quick exchange transaction went through. From XXXX XXXX XXXX, the account money left my account immediately and the status was processed as in completed. Chase held the funds and did not give me credit for the sole purpose of charging fees. To avoid this, I took precautionary steps. I called and spoke with a manager about the transfer. He could n't understand why the funds were not in the account. I  explicitly explained that I did not want to be charged fees for the funds not being available and asked if I needed to make an additional deposit. The supervisor claimed he called the back office to ensure my funds would be credited. It never happened, he falsely notated my account, and they acted like I never had the conversation. I had to go through so many people to get them to pull the call and reverse the fees. 2nd incident happend in XX/XX/XXXX, when all their systems were down and no one could make a deposit except by going to the ATM. I did not have my card and I tried the quick deposit and branch option, but the computers were not available for the employees to use. I asked what their work around was, no one had one, not even a manager. I called the XXXX number, no access. I then contacted them on XXXX to make sure the same problem that happened in XX/XX/XXXX would n't happen. They assured me no one would be billed fees for this day because of the massage outage. You think Chase reps honored that? No they gave me a hard time crediting their fees even though I went a step further to transfer money to them from XXXX XXXX XXXX to demonstrate my efforts of trying to deposit money. Now, they have cut off my quick deposit due to the 6 fees I collected under their bank error. They keep moving around in circles and it 's inconvenience, and more importantly disrespectful.
On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXXXXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX
I signed a contract and took delivery of a XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX in XXXX XXXX, La with financing being provided by Ally Financial. I have been disputing the reporting to the credit bureaus based on the fact that I did not receive statements from Ally Financial resulting in late payments. After disputing these results, Ally Financial mailed me a alleged copy of a letter from XX/XX/XXXX stating that the interest rate and all financing totals were wrong on the original contract and that they updated the contract without requiring my signature. My interest rate was changed from 13.04 to 14.99 percent without me ever being away of the change. I never received a letter regarding this change. The original contract was signed by both parties with the original amount and should have been binding. I was being charged higher interest rates for the life of the loan without being notified. This is a breech of contract and should mean the original contract is no longer valid. Ally Financial also indicated in a phone call to me that they sometimes do edit payment reporting for lost statements but would not do this in my case without providing a reason. The only explanation to this is discrimination based on something in my contract or profile that they do not want to explain.
Empire Finance has harassed me as well as my family and other references about a loan in my name, I have tried to resolve this issue bioth with the local office as well as there corporate office. I also have now been sent harassing letters threatening to sue me, I have now retained legal counsel.
I had visited the ER because I received an injury and did not have any medical coverage or income to cover the debt.
Nationstar sent a property inspector by my home. This has happen several times but on XX/XX/2017 I was home. The gentleman drove up in the driveway after taking pictures of the house. I told him I was the owner and he stated he was doing a property inspection. I invited him in and he refused. As he backed out of the drive way he made several XXXX remarks toward me. He drove around the corner and came back trying to agitate me. I contacted the police department and my attorney. A report was taken for the harassment.
For years I have had issues with XXXX XXXX, which later became Navient. One of the first statements I received from them was a garbage printout of seemingly random numbers and letters where my loan info should have been. I had several Loans with the company ( then XXXX XXXX ) and each had its own collection amount and a different due date. When I called to speak with a representative, they would only confirm XXXX of loans ( direct subsidized paired with an unsubsidized ), but would not confirm any other loans which i was receiving mail for. I decided to Consolidate all of my loans through XXXX XXXX, since i was familiar with their billing, and had no issues with that company. Somehow XXXX XXXX re-acquired the consolidated loan. I tried to file for financial hardship deferment and an income based repayment ; both of which were either lost or not completed by XXXX XXXX. When I consolidated my loans, I was made aware that my Private loan would not be included in the consolidation. XXXX XXXX also [ conveniently ] neglected to tell me about XXXX of my XXXX loans. Leaving me with a large consolidated loan, a private loan, and a third loan. I have since repaid my Private Loan, and I now have XXXX loans, under XXXX different Navient " Accounts ''. Their website will only allow me to access one of these pairs, but they send me paper bills in the mail for both. I have repeatedly complained and tried to get my accounts merged ; for a while I was n't sure if I was being scammed by a fake " XXXX XXXX '' / '' Navient '' and their operators are no help either. If a representative calls me about XXXX loan, they have no info or visibility of the other loan. This is very frustrating. Today I received my XXXX form and it has the wrong social security number on it! If this company ( now Navient ) can not properly maintain my social security information, which is a number that does not change, how can I trust that they are accurately maintaining my account [ that has variable numbers ]. I understand that Navient " being disorganized '' is not a reason to file a lawsuit, but I have serious concern and feel that this company has not only provided me with inaccurate and deceptive information, time and again ; but also that they purposely kept me from consolidating [ all of my loans ], and switching loan servicers, and also kept me from getting a needed deferment when I lost my job and also kept me from filing/ completing an income based repayment plan. Please look into this company 's practices.
I have a credit card with Citibank Visa and I submitted a dispute on a charge. There is a dispute center on their website and a message center. However, when they put very important documents out on the website for me to read, XXXX of these XXXX logical places to retrieve this information were used. They hide the documents so that I wo n't be able to locate them in order to short-cut the dispute process and not assist me in settling the dispute with the company. I feel this is deceptive and does not provide the cardholder logical and reasonable means to address items that need to be completed in order to respond in the dispute process.
Frauding scams IDs frauding my documents and medical record of birth certificate long form of XXXX  XXXX and doctor XXXX Frauding scams IDs and accounts frauding my XXXX country Indiana using XXXX Frauding scams IDs and business using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana Frauding scams frauding my XXXX Frauding scams frauding XXXX and XXXX Indiana using XXXX IDs and XXXX IDs Frauding scams using XXXX  Frauding scams using school permit and teaching staff and books and books authors and school sports Frauding scams IDs using racing teams and XXXX XXXX and XXXX and XXXX XXXX and XXXX XXXX XXXX
XXXX from XXXX called my place of employment and asked for my job title, my supervisors name and asked to talk to my supervisor. He asked the receptionist to give me a place to reach me and asked her to send a text to me saying that I needed to call him right away.
My APR went from 17.24 % XXXX of XXXX to 30.15 %. At this rate i made payments up to XXXX of XXXX with that hi APR. Since then I have been trying to change the rate by either thru Calling there main office or writing via E-mail and XXXX. 
Then i stopped paying which in turn they Destroyed my credit score. I am talking to Deaf ears..they just want the money and in 6 months they say they will review my credit again.. 

Originally this dispute started when my credit card invoice would come to my house and the due date would be the following week, which by the time they received it i would hit with late fees.. after the 3rd one the APR jumped to 30 % ..i have been calling them almost ones a week and being on hold and talking with them for Hrs.. 

I need to straighten this out because it has destroyed my credit ... all my cards, mortage etc etc have always been paid on time ..
I have hard inquires on my XXXX report, Many I don.t know about the inquires. 

XXXX XXXX 4 times on report from XX/XX/XXXX to XX/XX/XXXX, XXXX 2 times, XXXX   unknown XXXX  unknown XX/XX/XXXX don't know if somebody is trying to use info
I was initially on an Income-Driven Repayment Plan. As I entered into school as a student at various community colleges, the advertisements that I would receive, aside from several network intrusions that would also interrupt internet service, would advertise false information about loans, grants and repayment plans tailored to teachers and expectant mothers. This information appeared on any computer that I would use and would not appear for others. After not knowing what to do about the advertisements as the problems with the interruption of the service were reported to the Federal Communications Commissions and I continued to submit my annual documentation to the loan servicing as required for the Income-Driven Repayment Plan, I submitted applications for other types of repayment plans without submitting false information to qualify for the repayment plan, i.e. I filled out applications for public service loan forgiveness, teacher loan forgiveness, loan discharge application false certification ( ability to benefit and disqualifying status ), without stating that I entered into an employment agreement for a full-time position with a qualifying public-service employer or into an employment agreement for a full-time teacher for at least five consecutive, complete academic years. I did this to provide proof that I did not qualify in order to stop receiving such advertisements and because I suspected that I may have been a victim of identity theft somewhere along the college enrollment process. The school identification cards displayed pictures that did not look like me. During the period of time that this occurred, my financial information, including tax records, were consistently stolen from locked areas. This information was reported to the Federal Bureau of Investigation, including their Internet Crime Complaint Center, the California Franchise Tax Board and the Internal Revenue Service. At the time that the documentation was not requested, I did not have the requested tax documentation and communicated the aforementioned to customer service. I also verbally communicated to the XXXX XXXX customer service department the information that was provided in the documents that were faxed to the CFPB on X/XX/2018, XXXX XXXX PST, and attached to this complaint. I also provided my end of the year pay stub on an annual basis. I believe that I submitted enough documentation as necessary to recertify for the next 12 months until the documentation requested becomes available, as the circumstances creating their unavailability involve crimes that I can not solve and were reported to the appropriate authorities, the Federal Bureau of Investigation, the California Attorney General ( in re to theft of secured areas ), the California Franchise Tax Board and the Internal Revenue Service.
on XX/XX/XXXX I received a letter from Dynamic RecoverySolutions whom I have never heard of saying that I owe XXXX XXXX XXXX $ XXXXXXXX.and wanting me to make arrangements to pay them. The date of service was suppose to be XX/XX/XXXX. I was not in the hospital at XXXX in and at no time. they are saying I better make arrangements to pay ASAP. I have good credit and my credit is monitored threw an agency to and this is not and never has been on my record. people like this need to quit scamming people.
Company took XXXX payments of {$110.00} on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. applied all XXXX payments to the account in one month and assessed a late feel on XXXX/XXXX/2015
XXXX stole my home. I was approved for thr princiapal reduction program and Ocwen denied me knowing that is the only way i could keep my home. because i have proof that they denied me with Ocwen onXX/XX/XXXX never telling me when i called on XX/XX/XXXX to tell Ocwen i got us more time they just need to call kyhc and let them know you are working with like you did last month. on XXXX i sent O more info like they want and got loan docs. on XX/XX/XXXX. by the time i figured out what Ocwen did my home was foreclosed on. I have all the proof. please help
It has been over five years since ECMC has first contacted me about a student loan debt that is not mine, that was the first time Ive heard about the 1987 debt, I have written many letters explaining the debt is not mine, and it may have been obtain through fraud, at my request they sent me a copy of the original contract and a default judgment, the SSN, middle initial, address and signature are not mine. I have never attended the school listed on the contract, they have created a computer generated document with my correct SSN and attached it to my name. 
I believe ECMC has continued to force this debt onto me for financial gain, which has cause me many pain and suffering
Chex systems received a LEGAL Notarized BANK affidavits the Certified Receipt shows Tracking Number : XXXX XX/XX/XXXX DELIVERED to them disputing XXXX and XXXX bank under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Chex systems to Provide physical verification of the original signed consumer contract. <P/>I demanded from Chex systems to see Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY the Certified Return Receipt shows XXXX sent to me XX/XX/XXXX. UNDER the FCRA they are Now REQUIRED to REMOVE BOTH XXXX and XXXX under federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts XXXX AND XXXX.
I received a {$3000.00} Perkins Loan that was handled through the University of XXXX by XXXX  while I attended the University of XXXX. The bill recently came due as you can see by the attached statement. It clearly shows a Date Due of XX/XX/XXXX and a Payoff Amount of : {$3000.00}. When my Father went to pay the bill on XX/XX/XXXX he was informed that the total due would be {$3000.00} as the interest started accruing on XX/XX/XXXX when the grace period ends. This is stated on the statement as well, but clearly the company miss stated the facts. One line they show Grace Period ending XX/XX/XXXX ( in extremely small print ) and then they show a payment due date a month after interest starts ( at the top of the statement in BOLD TYPE ). This is a clear deception. Why not just say the invoice is due on XX/XX/XXXX instead of XX/XX/XXXX? The only reason is to start charging interest before the they state the bill is due/ I asked them to remove the {$12.00} and they refused. I realize this is only {$12.00} to one student, but multiply the number of students who pay off their loan in full by XXXX XXXX and it adds up to an extra income to XXXX of {$12.00} million dollars. Multiply the extra months interest by the number of loans they write and collect and XXXX   could be making 10 's of millions in extra interest that no one really knows they are charging. I also want to point out that just saying the grace period ends on XX/XX/XXXX does not mean they immediately start charging interest if the 1st payment is on due until XX/XX/XXXX. Their deliberate confusion is a money making proposition for XXXX.
I paid the balance on my credit card in full before the due date but Chase Bank continued to charge me interest. The information section of my bill specifically says : " If you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month '' I contacted the bank on XX/XX/2017 and the representative I spoke with refused to take the charges off of my bill. The promise to waive interest charges when the account is paid in full is at best a deceptive business practice. The unwillingness to remove the charge is poor customer service.
My 3 credit cards from CITI bank were abruptly closed on XX/XX/XXXX. I  have contacted CITI to inquire about the reason for the closure. However CITI hasn't provided any reason. In addition to the closure, CITI has also forfeited more than XXXX Thankyou points I have earned over past 5 years. And again CITI hasn't provided any reason and refused to retract the decision for the forfeit.
On XX/XX/2018 I contacted Wells Fargo and informed them that I was changing my Insurance to XXXX and that XXXX was faxing the new rate ( which was lower ). On XX/XX/2018 I noticed {$950.00} was taken out of my account. I called Wells Fargo and they informed me my insurance went up. I corrected them and told them they were informed XX/XX/2018 of the lower rate and new insurance company. They told me that the analysis was done on XX/XX/2018 and since I didn't request specifically for another one they couldn't change the payment. Again, I called Wells Fargo several times and they informed me that had the right amount because on XX/XX/2018 they paid the lower amount of {$690.00}. On XX/XX/2018 they still went ahead and took out more money and never informed me of this. I was then told that I could not get that money back and would have to stop payment. I would like to get the overage that I paid ( {$64.00} ). As a XXXX veteran I am on a strict budget and these unexpected costs can hurt me financially. Thank you for your time. 

XXXX XXXX
This information within this complaint is new and material evidence : As to complaints #  XXXX , and #  XXXX , your answers to the CFPB, a Federal agency, you answered complaint, by stating  XXXX  reviewed the payment reconciliation and determined a payment of {$6900.00} was received on  XXXX   XXXX ,  XXXX . This payment was applied as the  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and   XXXX   XXXX    monthly payments of {$1100.00} each. The next payment we received after the above application was on  XXXX   XXXX ,  XXXX , for {$1100.00}, and was applied as the   XXXX   XXXX    monthly payment.     According to documentation I received, from the  XXXX  of Pennsylvania  (  please view attached ), there are major discrepancies, in regards to the amount of monies dispersed, in comparison to your actual documentation. The amount paid to you, from the PA  XXXX   XXXX   XXXX , was {$6600.00} (  XXXX ,   XXXX   XXXX  , and  XXXX   XXXX   XXXX   ). This hereby means there is a missing payment of at least {$280.00} (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . Please compare my included attachments with your previously sworn statement to the CFPB, an agency of th e US G overnment.
Hello, my mother opened a UTMA account with about {$150.00}, which has now grown to {$190.00}. As per the law, UTMA accounts belong to the minor once they become of age, and the minor is legally required to be the full owner of the funds. I called Santander and they stated that they will not give me any information about this account, or let me have the funds that legally belong to me. Santander is thus violating federal law, and I demand that the account be correctly converted to be an individual account that is accessible, or that it be closed and the funds be sent to me. Illegally violating the law, and holding my money hostage, is not something that builds trust with a bank.
Lately I 've been cleaning house of the unnecessary and decided it was time to just close my credit card accounts to avoid the balances continuing to rise although I knew I would never use them again. 
I knew it would take a long time but much less time than if I continue to watch them grow balances with the interest charged. 
Over just the last 6 months the balances rose by over {$1000.00} without using any of them. I would have closed them all out 6 months ago. 
I cancelled XXXX cards and I asked each and every XXXX of them if I can make my payment on line or by phone. Also will my payment go up or with this freeze the interest so I really work toward paying them down? These XXXX I would give acknowledgement to are XXXX, XXXX, XXXX. 
All XXXX said yes, it would freeze it and I could continue to make my minimum monthly payments if I chose to and I would see the balances decrease. 
Discover card has a different story. XXXX tells me that regardless if the card is open or closed, interest will still accrue at the same rate. 
How can this be true? I 'm am forever in debt to Discover card unless I get a big chunk of money to throw their way? 
Stealing, thievery, trickery, wrong and I 'd like someone to stop it please!
I am sending this complaint  on Sychrony   Bank American Eagle Visa ca rd. I am upset that the company reduced my credit limit to make my debt usage on the card  XXXX  %. This reduction caused my  credit score to be affected by   XXXX   points. The company sent me a letter showing my score wa   XXXX  and my attachments show my new score. When I called to inquire the representative told me it was systematically done and there was nothing they could do about it. I have had the card for  XXXX  yrs along with  XXXX  other  Sychrony bank cards and ha ve never paid late. My limit was {$3900.00} and my balance {$1600.00} and my limit was dropped to {$1700.00} for no reason at all. I would like for this company to reinstate my credit limit on this card immediately.