WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX I got a copy of my Equifax credit report from XXXX. On that copy of my report, there is a charge off from XXXX XXXX XXXX. The " Date of First Delinquency '' is listed as XXXX XXXX, XXXX. The Delinquency First Reported Date is listed as XXXX XXXX, XXXX. The months reviewed are listed as XXXX. 

On XXXX XXXX, XXXX I got of my Equifax credit report from XXXX, again. On that copy of my report, there is a charge off from XXXX XXXX XXXX. The " Date of First Delinquency '' is listed as XXXX XXXX, XXXX. The Delinquency First Reported Date is listed as XXXX XXXX, XXXX. The months reviewed are listed as XXXX. 

How is it possible for these dates to change? They are trying to illegally re-age my negative account.
XXXX, NC XXXX XX/XX/2017 Consumer Financial Protection Bureau Consumer Complaints XXXX, IA XXXX RE : NAVIENT Loan-XXXX-1 Dear CFPB : I am seeking assistance with the proper application of my loan payment to NAVIENT. 
On XX/XX/2017 I made payment of {$920.00} ( please see payment receipt enclosed ) to NAVIENT for Loan XXXX. This payment included what NAVIENT states in the payment statement ( please see enclosed payment statement ) unpaid fees of {$260.00}. 
On XX/XX/2017 I returned to the NAVIENT website to schedule my next payment and see an amount due of {$260.00} which I just paid ( please see enclosed Account Summary ). I then called NAVIENT to report that the payment was not applied properly because I paid the unpaid fees, as well as the current payment of {$650.00} totaling {$920.00}. The representative told me she saw the problem and asked me to hold. Whomever she spoke with provided this response. " Do n't worry about it will be there until the loan is paid off, just pay the regular scheduled payment. '' My response was NO you all need to apply it properly. The representative then placed me on hold to return to tell me that, " the full payment was applied to all interest and they would be sending me a document which explained how payments are applied. '' I then refused to take this as answer. 
Enclosed is the document found in my NAVIENT student loan documentation ( Loan Term documents enclosed ), it clearly shows that there were {$260.00} in outstanding fees which included in my payment paid on XX/XX/2017 totaling {$920.00}? The Loan Term documents enclosed clearly shows by monthly payment to be {$650.00}. 
I would like my payments applied properly as is stated on my Payment Statement. The unpaid fees and loan payment should be applied as such and my current payment should only reflect the {$650.00} due on XX/XX/2017. Per the new account summary NAVIENT is stating I owe {$920.00} ( please see enclosed account summary 2 dates XX/XX/2017 ) which includes {$260.00} that I have already paid on XX/XX/2017. 
Please do n't allow NAVIENT deceptive payment practices go on any longer. Also please note that I REFUSE to pay the {$260.00} again and I also need it reflected on my statements that I have paid the unpaid fees of {$260.00} to NAVIENT on XX/XX/2017. 
I understand the Consumer Financial Protect Bureau has sued NAVIENT for such practices and I would like my compliant included in the law suit if you find it applicable. 

Sincerely, XXXX Enclosure ( XXXX )
Hello, Short story : Chase Bank refuses to open Business Checking accounts for General Partnerships licensed in XXXX XXXX. They keep changing what documents are " required '' for KYC despite us complying with everything. 


On XX/XX/15 I walked into Chase Bank to ask questions about opening a Business Checking Account for my band. My band has a Federal TIN and is registered/licensed with the city of XXXX XXXX as a general partnership ( only two owners ). We already have a XXXX XXXX account with XXXX XXXX XXXX XXXX but decided to move to Chase. After I confirmed with the banker at Chase that everything was in order, I then closed the account at XXXX and walked back to Chase with an Official Check and my business documents. 


The banker then proceeded to inform me that I don't have " partnership agreements ''. In the city of XXXX XXXX, such agreements are not necessary, moreover, that is not an actual legal document. I've already successfully filed taxes and had checking accounts with this business for a year - it's tiny, just a band that I have on the side. 


I then called XXXX and asked what they would need. We have driver 's licenses for both partners, passports ( or debit cards for second form of ID ), XXXX XXXX Registration Certificate, and a Federal TIN. They said that should be enough to open the account. When I tried a second time they then said my XXXX Registration Certificate is wrong and should list both partners. I checked with the city and even logged into my online portal to be absolutely sure I registered the business properly with both partners. Both partners are accurately listed with the city but the city does not identify partners on their certificates, just the DBA/Business Name. Here is an example of a XXXX  Registration Certificate I found online : https : XXXX Partners can be verified using the city 's online portal by anyone, but they charge a fee which I'm assuming the bank does not want to pay. I even offered to pay this fee and they refused. So I'm literally stuck with no bank account right now because the bank is unable to figure out their own KYC requirements. I'd understand if I had made a mistake on my paperwork but that is definitely not the case. I used to work in compliance at a bank and I'm frankly puzzled by what additional documentation we'd have beyond Federal TIN, XXXX, and Driver 's Licenses for the owners. This isn't an XXXX so no Articles of XXXX or anything are needed. Not only that, but the bank keeps changing the requirements as if they are making this up each time. We are just a small funk band that makes maybe a few grand a year as a side project. 

Locations involved : Downtown XXXX XXXX and XXXX and XXXX XXXX.
above plus : continued failure to investigate within 30 days- insists that credits give them " updates '' and takes sweet time instead of bureau removing the debt.
DEBT NEVER OWED, DENIED IN FULL under FCRA. IMPROPERLY REPORTING-yet shows CRETIFIED ACCURATE.
NO PROOF SENT TO ME of contact made to these companies 4 mos now.I demanded proof. I dont need to keep send in my blood type and starship name.YOU HAVE IT ON FILE. I HAVE NOT MOVED RECENTLY. STOP REPORTING THAT I HAVE to block access.
refuses to remove these accounts. keeps " updating them '' instead. If the company XXXX me for over 12 mos now and STILL HAS THE ACCOUNT for some XXXX up reason ... I DONT OWE IT. YOU CANT EXTORT ME.
Experian has not validated accurately that the account of XXXX is my account. I have reported it as a fraudulent account to the Police and police report has been provided to the credit agency of Experian. Experian has not validate information from XXXX to the information that they have on file. Providing name, birth-date, and social security is not sufficient evidence to validate the account is mine. This is why it was reported as fraudulent has someone used that information to open this account. Please have this removed from my credit report of Experian.
I recently paid off balance in my personal line of credit. My checking account was immediately debited. But as of two business days later, the credit to the loan account was still not posted. XXXX accounts are on books of Wells Fargo. When I inquired, I was told it takes up to 3 days to post the payment. Remember : these are book transactions. After several frustrating attempts to get a simple answer, I am appealing to the CFPB. If it takes 3 days for whatever reason but loan account is credited on backvalued basis to date payment made, then I am not charged extra interest. I can not get a straightforward response from Wells. I have attached the email exchange so you can see this firsthand. 
Thank you.
I do not have a contract wit h Enhances Recovery Company in the amount of {$1000.00}. I am not liable for collection of this debt from  XXXX    XXXX   XXXX . I am not responsible for this debt and would like it removed from credit report!! I have been contacted by this agency on numerous cases threatening me.
This collection company has placed a debt on my credit report as paid, but I handled the debt with the original creditor, nit this collections agency. They should not have an account listed on my credit and need to delete this account because it is lowering my credit score. I spoke to someone there and asked them to delete it, but he yelled at me and said that they would continue to list it as paid on my credit report, even though this agency had no dealings with me and the payment of this account. The original creditor has forgiven the debt and continued my alarm services.
I have never had the service of XXXX XXXX. I have now called them twice and verified that fact through my social security adresss and DOB. This is an odvious result of my ongoing ID theft issue.
Over the weekend over XX/XX/XXXX-XX/XX/XXXX there was funds present in my Chase bank account ending XX/XX/XXXX XXXX with about {$7.00} in my band account and making a single insufficient funds transfer of {$34.00} when i wole up at XXXX XX/XX/XXXX My bank account with a negative balance of {$360.00} for 6 consecutive {$34.00} insufficient funds fees that were transactions I had made with funds in my account when I called Chase they keep telling me they do not understand me ... all I want is my money back as I had made those transactions correctly and with funds present in my business checking account
Received a check for {$1200.00} from Republic Finance in XXXX, KY that, if signed and cashed, would enter me into a loan agreement with Republic at an APR of 41.03 %. The letter reads " let us help you with school expenses, '' but XXXX paragraphs later is advertised as " a pre-approved loan just in time for summer fun! '' The letter is signed from XXXX XXXX, Manager at Republic Finance at XXXX XXXX XXXX in XXXX, KY. I do n't know if this violates any specific consumer finance regulations - but it sure should!
Opened a new checking account under a promotion offering {$300.00} after setting up payroll direct deposit. I fulfilled my obligations for the bonus but the bonus was denied.
XXXX XXXX XXXX reported fraud to my report on chexsystems a few yrs ago. When I found out last summer XX/XX/XXXX I called XXXX and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted chexsystems to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with Chexsystems. So they obviously never investigated nor removed the fraud defamation. 

I then reported this here about chexsystems and they lied and the complaint was closed. XXXX had a collection company call me on XX/XX/XXXX and still has never responded regarding the defamation of fraud.
I would like to see if Power Finance is following the rules and regulations of payday loan practices. I borrowed {$610.00} back in XX/XX/XXXX, I get paid every two weeks and have been paying them {$180.00} every paycheck and will end in XX/XX/XXXX. 13 payments at {$180.00}. The estimated cost to pay everything is {$2400.00}. So, I am paying roughly a little over {$1800.00} for a {$610.00} loan. Its horrible. I've made a huge mistake by getting the loan but this is highway robbery. The location I loaned from is in XXXX, TX.
i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( XXXX, XXXX ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove itto the others bureussending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities.
I'am repulsed by this repugnant credit agencies use of the word 'investigation ' they DONT INVESTIGATE a XXXX thing they email the debt collector to confirm if its a valid debt and 100 % of the time the debt collector will say YES. I don't even understand how its legal for anyone to BUY my social security number because that is how debt collectors work and why this fraudulent collection is on my account. Furthermore it makes ZERO sense that XXXX  would buy this debt in XXXX when I was homeless and ONLY!!!!!! to START collecting it in XXXX AFTER!!!!!! my credit information was hacked by XXXX. I WANT THIS fraudulent charge removed!!!!!!!! from my credit report that is the job of this repugnant companies employees to do. NOT just email a debt collector and take there word over mine just because they BOUGHT my social security number. This illegal activity needs to be fixed. Lastly I preemptively refuse the so called copy and paste reply they always have of. " we are investigating the matter '' as stated prior all you people do is email this junk debt collector and close out the so called investigation in 3 days that is NOT an investigation. Your job is a joke and you are a waste of oxygen. I have been dealing with your utter incompetence since XX/XX/XXXX and as you can see I will continue to do so. Your practices are faulty, shameless, repugnant, illegal, fraudulent and expurgated.
I purchased the property at  XXXX   XXXX   XXXX  in  XXXX , PA on   XXXX   XXXX   XXXX   XXXX   .   When I purchased the home the taxes were assessed on the value of  XXXX . I knew that was an unfair amount as property values declined significantly in the area. The previous owner assured me she had disputed this information and that I should see a reduction in  XXXX  of that yr.   I checked  the County websit e and did see that the value was reduced to  XXXX  dollar effective  XXXX   XXXX . I immediately called the lender to advise them of this information and inquire about a reduction in my mtg since this will affect my escrow.   The first lady I spoke with told me there will be another analysis in  XXXX . So, I called in  XXXX  to follow up. I spoke with a gentleman named  XXXX . He told me the analysis was opened and then, closed and no modifications were noted. He agreed this was absurd and he reopened the analysis.    XXXX   XXXX , I called to follow up and spoke to  XXXX . She also told me no modifications had been noted and she was going to look into it. She called me back to say they were working on the analysis but they never received a tax bill from m e. 1 ) I sent the most current tax bill 2 )   XXXX  told me they can acces s the County website an d he did that and attached a comment to Escrow dept so again, I am not so sure this is the hold up.   I have attempted to solve this issue myself by calling CS @  XXXX   XXXX   XXXX   XXXX  and I get the same run around. I should have received a refund check and my mtg should have gone down by now. I am asking for you assistance with this matter and to investigate any fraudulent activity on the lender 's part.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX  Borrower
Afni is tryi ng to collect on a debt on the behalf of  XXXX  that I do not owe. I have sent many letters to this company but they refuse to remove this derogatory remark from all  XXXX  credit bureau  s,   XXXX ,  XXXX   XXXX , and  XXXX . I spoke with  XXXX  and they are very upset with this company which I am a valuable customer to them ...   please have this company removed this remark off my reports as it is affecting my credit. Thanks.
I have previously filed complaint and they did respond but with their response they stated that one of my accounts with them could stay open as it was opened after initial filing date of chapter XXXX bankruptcy. I did call and leave a message, got a return call missed it, called back and still after a week or more no return call.
After multiple attempts in writing and phone calls to Navient, the servicer continues to report my loan incorrectly to credit reporting agencies. The errors severely limit my efforts to restore my creditworthiness after I successfully rehabilitated my student loan and consistently making each monthly payment. The specific errors are : 1 ) Although I have XXXX loan, Navient reports XXXX separate loans with the same loan number resulting in a doubling of my student loan debt and monthly obligations to Navient ; 2 ) Navient incorrectly reports my loan as " Balance paid or being paid by insurance. '' This is incorrect and the servicer has failed to remove this remark after several requests.
We applied for a mortgage with USAA. We are currently going through underwriting to close on a home. We had set a close date of XXXX XXXX XXXX. Two weeks prior to closing on, XXXX XXXX, I received an email from my realtor stating that it looked like my lender was going to require a property survey prior to closing. I immediately called my lender for clarification. And yes they are requiring a property survey prior to closing. I felt that USAA is unfairly requiring this survey late in the closing process. I also feel that the lender should have inquired about the survey through the responsible party, myself, as we would be responsible for requesting the survey, not my realtor. We submitted our purchase agreement to our lender the day it was accepted, agreement was accepted on XXXX XXXX XXXX. On that agreement it clearly states we waived our rights to a property survey. Why is USAA now asking for a survey and potentially delaying closing?
ILLEGAL CONVERSION WITHOUT MY CONSENT! 
My signature was forged! This was a violation of my constitutional rights! 
The Bank of America never put up any money, they borrowed money using my signature and converted this transaction from a mortgage loan to shares without my consent or knowledge. These shares have no connection with a mortgage loan so, This was Conversion of a loan without disclosure, Mers transferred title to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I gave them XXXX down and the money taken at closing belonged to me not them and it was taken for 1 ) Tranfer of title2 ) payoff the note3 ) transfer was never satisfied. They wired themselves from the Mers IRA and The Keogh Account that are owed by the State of Louisiana and held on deposit by the banks. 
When the banks said to their counter criminal, how are we going to be paid back? You owe the feds for 20 yrs of budget overrun, go get the homes one at a time! But we owe the owner for the  HUD1 closing for the wires that you stole, The criminal in charge said, Its your problem! 
Mers is the creditor and I am the successor not anyone else, this was a deceptive move with criminal intent, people were too trusting. I am stating a claim on my own behalf and I DID NOT ABANDON my property, trusts, etc. 
it was stolen from me through crooked avenues an this has to STOP NOW! 
facts through evidence of documentation which clearly states that America 's Wholesale Lender is not a corporation that ever existed, and is named on the Deed of Trust. Bank of America wrote the loan and property is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX denied being owner of loan and property yet an Assignment of Deed of Trust was recorded in the Land and County Records. Upon foreclosure of the property, XXXX XXXX XXXX XXXX XXXX filed a recorded deed as owner of the property in order to foreclose. Once they filed the Deed of Record, they were able to take possession of the property and filed a foreclosure. XXXX XXXX XXXX XXXX XXXX was the buyer at Auction. Why would you purchase the property if you owned it to begin with. Im now out of my home by force of the state, unlawfully, the banks put up no money, I signed my name then they converted it to a securitized mortgage of which I wasnt informed in writing and now receiving a XXXX tax bill showing this is a tax situation of shares that I did not abandon or receive any residuals. The public deception here is of the highest. Im requesting my property back through Escheat. I am demanding my XXXX back and treble damages for my pain and suffering. I am forwarding this to the President of the United States, DOJ, And Governor of Louisiana, I dont care who I forward it to, you will get my money and home back!!!!
A year ago I financed a small purchase ( about {$430.00} ) through XXXX for interest free for XXXX months. I paid the bill every month through auto-pay through my bank account. The payment was due on the XXXX and was sent by the bank without me actually physically sending it. I get a letter recently saying a payment was not made. I call them to figure what was happening and the person says I have been charged interest because payments were received late. Every month for 12 months they have received payment on either the XXXX or XXXX of every month. 

The company is now trying to charge me over {$300.00} in interest and fees. They said it is their policy to charge interest and fees even if it is 24 hours " late '' because that is the contract I signed. This is strong arming the consumer into paying undue interest and late fees. There should be a grace period, and 24 hours or less is a reprehensible act of consumer fraud. This policy should be reviewed and not allowed. I will not pay almost XXXX % of the original charge in interest/fees. I have near perfect credit, and have never heard of a company that does n't give a grace period, especially when every single payment was received monthly and within the date. I have no control over when the bank sends it out on auto-pay, as a matter of fact I believed the payments were due on XX/XX/XXXX. This is predatory lending at its finest, and some protection is needed for the consumer. I will never do business of any kind with Synchrony Bank ( creditor on the account ). I will warn as many people as possible about this predatory lender.
I have a car loan through : Gateway One Lending & FinanceXXXX XXXX XXXX TX, XXXXI believe this company has obtained information about my relatives to use to contact me illegally. I am requesting an attempt be made to find out how they were able to contact relatives to get in touch with me, when I never gave them information. This is a classic case of what the CFPB has tried to put a stop to from past episodes of badgering by lenders. This company has contacted my Grandfather who is a retired XXXX XXXX and his information is protected from the public. This is completely unacceptable for a Lender to badger relatives. I did not give their information to this company. I was out of the country while this was going on.This company said they did not have to divulge their protocol for finding out information about Borrowers. I asked to speak with a supervisor, but am not confident that I actually spoke with one.
I received calls numerous times by this and other phone numbers asking to pay a debt from pharmacy. 
When I try to get more information as to what exactly I was charged for, where is the receipt, etc. they just close the line. They call my friends phone numbers too.