WillisBack/dataset-financial-user-claim huggingface dataset:
PenFed ( Pentagon Federal ) Credit Union keeps transferring money back from my checking account to my savings account so that every single time I do a bill pay, the check that is supposed to go to the payee ends up BOUNCING!

They are not ONLY defrauding me, but had been engaging in systematically harassing me through these fraudulent transactions where they bounce checks that I issue from my checking account through bill pay ON PURPOSE.

Before I do any bill pay, I MAKE SURE that I have enough money from my checking account to cover the amount of check I am writing.

As soon as I have issued a bill pay check from my check account, PenFed EITHER closes my checking account OR transfers the money back from my checking account to my savings account WITHOUT MY CONSENT AND KNOWLEDGE!

This has happened TWICE already, and they are doing this to force me to close my accounts with them, not to mention contributing to my unnecessary stress and greatly affecting my state of mind.

Thus, PenFed is committing fraud on my behalf by intentionally and knowingly making it look like I am bouncing checks when I AM NOT, not to mention cruelly and consistently harassing me.

They are also prolonging transactions on purpose so that they can control how long I keep my accounts open instead of me doing that!

There was also a time that one of the member representatives told us ( family member and I ) over the phone that we would have to go back to Texas to deal with this account in a satisfactory manner.

No travel to where the account was opened, no satisfactory resolution was what this PenFed employee indicated.

That sounds like EXTORTION using interstate communication to me!
I received a notice from a collection agency regarding a medical bill, but never received a medical bill from the hospital.
NAVIENT consolidated the Loan amount stated below on XXXX/XXXX/XXXX but only shows payments from XXXX/XXXX/XXXX. When I contacted them to protest the balance they claimed that they do n't have records for the previous 5 years. I 'm frustrated by their lack of accountability in managing my account balance. I also started a XXXX in XXXX and should have qualified for Loan forgiveness under the Navient Guidelines for Forgiveness & Discharge,  but again, I received no assistance in this matter. My XXXX XXXX has been active and Filed all Tax returns through XXXX. When I heard they were being Sued by the CFPB as well as three Attorney 's General, I investigated and feel well within my rights to file a complaint to seek relief from this " Never Diminishing Balance '' The following are facts pertinent to my Loan obligation with NAVIENT * {$68000.00} in consolidated Student loans, * XXXX per month payment, amortizes out to 4.125 % over 30 years Leaving a balance ( allowing for 12 months of deferment ) OF {$50000.00} * Current Balance, however, is XXXX * Missing payment Schedule between XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX Eligible for Loan Forgiveness from XXXX when XXXX XXXX was approved. 
* Balance should be {$50000.00} ( not calculating the payment increase to {$340.00} )
On XXXX/XXXX/15, I bought a property located at XXXX Ca and was issued a loan thru XXXX. 
I am disappointed because my mortgage loan I got with the above mentioned companies are increasing my payment by about {$380.00} a month because I believe the loan was not properly executed as the Escrow account was not calculated correctly. Therefore I currently have a deficit in my Escrow account in the amount of {$2100.00}.
XXXX XXXX has not updated information to XX/XX/XXXX and Transunion with my accounts. I received a letter stating this would occur but, it has not.
I signed up for a free trial for XXXX XXXX cream which claimed that for {$4.00} a sample of their product was to be delivered to my house. 

This scamful, deceitful company sent 1 bottle of their supposedly sample cream and charged my account at 4 different times ; twice for {$53.00}, and twice for {$88.00}. 

Not only is the company indifferent to the fact, but my calls get dropped by their " customer service '' agents. Bank of America claims that due to me receiving a small sample of the cream that was supposed to be {$4.00}, that I'm held liable for the charges incurred. 

As I do research for the company that is running this deceitful scam, the amount of reviews from people having the same issue as I do is surprisingly high. 

My account is now overdrawn for {$230.00} since the charges where put back in my checking sccount due to the claim being closed and will most likely being incurring another {$36.00} for their overdrawn fees. This is very overwhelming. 

Bank of America isn't doing anything at all to help resolve this and they clearly know the issue at hand. I just don't know what to do other than bring this injustice to the law.
XX/XX/XXXX   -   XXXX   XXXX   XXXX   XXXX   's (  XXXX  ) automatic payment service ( $   XXXX   /mo )  failed to cover a {$0.00} balance on my    HELOC ac count.        XX/XX/XXXX    - I noticed a  30-59 da y delinquent report on my report for my   XXXX  HELOC  reported by  XXXX . This was not reflected on my   XXXX   report.        XX/XX/XXXX    - I contacted  XXXX  requesting that they update and correct my  credit score  over this error in their auto-pay system. They agreed and said it would be a few days to update on my credit reports. The update was reflected on the  XXXX  report but not the   XXXX   report.        XX/XX/XXXX    - I disputed the delinquency on  XXXX  web site, which had lowered my credit scores  XXXX  and  XXXX , mentioning that   XXXX   was correctly reporting a 100 % payment record.        XX/XX/XXXX    - While I did not receive  XXXX  's promised " Dispute Resolution Email '', I noticed that the   XXXX    reporting  history reflected th e 30-59 day delinquency   within  two d ays of the dispute. Never did I receive an investigation resolution email.       XX/XX/XXXX   I again asked  XXXX  to correct and update my credit record. Within  two  days,  XXXX  corrected the record to reflect a 100 % on time payment record, while  XXXX  did not.        XX/XX/XXXX    I again disputed the record via  XXXX  's web site claiming that I never received a  Dispute Resolution Email  the first time reported and that this is still incorrect.        XX/XX/XXXX    No response received from  XXXX , but again, my   XXXX    score dropped  XXXX  points to  XXXX  from  XXXX  the only change being a  30-59 d ay delinquent charge, coincidental with the dispute of  XXXX  's report.       XXXX   XXXX   XXXX   to date, no response from  XXXX  regarding my any of my efforts to dispute and correct this report.     The   XXXX   score and the  XXXX  score which they provide affects my access to loans for which I qualify and could affect my auto insurance rates, among others, of whi ch I may no t be aware.
Equifax 's website has been borderline inoperable. It is impossible for an individual to use their paid products in a timely manner. I have tried filing a dispute, but the website responds slowly, and occasionally it is so slow, my login times-out, requiring me to start over with what I was filing or managing. I ordered a week-long free-trial of a premium service on XX/XX/XXXX. I attempted to cancel the premium service for several hours on XX/XX/XXXX, and was finally able to on the same day.
I am unable to file a dispute, because when I go to submit disputes, I receive a 404 error page. 

In addition, I have not been able to access my free Equifax credit report for several years.
I requested copies of all documentation on file. All I was sent was the cover signature sheets that show XXXX disbursement amounts and they provided zero documentation showing billing proof of record from XXXX XXXX University or the original contractual agreement from XXXX XXXX. I feel there is some seriously fraudulent activity going on here and I am requesting help from the CFPB to review NorthStar, XXXX and XXXX XXXX University. I reached out to XXXX XXXX University and they only provided XXXX document showing XXXX disbursement on the form. They have no others on file which means the additional are fraudulent and need to be removed unless they can provide me the correct information to support it.
I wrote to ditech and spoke to them on the phone, I have send them divorce papers and informed them that I no longer live in the house. XXXX XXXX lived there and he got the house in the divorce. Im not paying on a house I couldn't live in. the account # was XXXX. I had no idea that he wasn't making payment on the property. I was not informed. ditech claims that my name was still on the account but wouldn't give me information on the account or discuss it with me because XXXX XXXX was living in the house. I should not be held at fault because of what he did. I couldn't live in the home nor was I giving any information about the house. They will have to look at XXXX XXXX for what is owed. I'm no longer have any contact with him and the house has been sold.
Our lease ended on XX/XX/XXXX and we inquired about extending ot for up to 3 months but had n't yet sent back the argreement. Just in case we did extend, we scheduled a bill pay to go out on XX/XX/XXXX to SEToyota even though no further payments were due. 
On XX/XX/XXXX, we sold the car to a XXXX dealer and bought another one. XX/XX/XXXX we contacted BOA to stop the outgoing payment They advised us that although it could not be stopped, we should leave the account negative until it declined twice then it would stop. 
On XX/XX/XXXX, a transaction was processed showing as a bill pay to XXXX for {$350.00}. I went into the bank to ask how this happened and was told by the bank manager that XXXX used the information from the declined bill pay to force the transaction through as a collection. There was no collection. This transaction occurred in the amount of {$350.00} and cleared with only {$160.00} in the account without authorization.
I have notified the bank on numerous occasions that the account is not set up for debit card overdraft protection they do not even provide this service as an option for a business account according to their website. 

They continue to provide this service and continue to charge me fees.
For XXXX XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from Experian, XXXX, and XXXX as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms.
I first spoke with them while I was on welfare and financially unable to pay. I spoke with a women named XXXX and her supervisor, a XXXX. They stated that if I paid a part of it they would then help me to place the account in some status where they could not collect, I stated that I was going to dispute the original loan, due to the other party not upholding their side of the contract, and expalined the whole problem to them, they continued to call, sometimes as early as XXXX, they send quite a few emails and letters to my home address. I started to work, and I contacted them to let them know, and again to state that I was going to take the same legal actions other students that had taken against the school we attended, they stated they could help me dispute it, but that they would not be able to unless I paid a portion of the debit. I also stated that I was unable to recieve calls on my cellphone during my work hours as cellphones are prohibited to use at my job, they continue to call during working hours. I have tried to find a way to legally dispute the debitbut all the information I have found advises to seek legal representation, and I am financially unable to due so, I dont know what to do now. I refuse to pay any portion of the debit because I was given false statistics on graduation 's, I was given false wage amounts for the field I studied in the area I lived in, I was also not given my certification that the school had stated would be given, even though I made the XXXX 's List, due to the schools negligence in communicating with the gov't agency that awards the certificates, nor was I given a copy of my transcripts, despite repeated requests for them. I was also not informed that the credits earned at that school were not transferrable, so I cant enroll at another school, and due to being unable to prove I had attended and graduated from this program, I have not been able to work in the field I studied. The school was XXXX XXXX, part of XXXX Colleges, who have now filed for bancruptcy. I am not sure how to dispute the debit, and I have continued to call Navient and explain the situation, I have requested that they transfer me to this dept that they state they have that can assist me in dispiting the debit, but they refuse to do so unless I pay part of the debit. So, I am unsure now, what to do, or what options are available to me. I also feel it is unfair for them to have continued to charge interest among other fees during the time I was on welfare. And there is no contact information that I can find to speak directly with the school.
This complaint is about the elderly and disadvantaged being financially " XXXX '' by the financial card issuer/issuers. Please consider the following information applicable to my complaint. 

On or about XX/XX/XXXX, I received a surprising electronic delinquent account notice and, a late fee notice regarding XX/XX/XXXX. 

Thereafter, on or about XX/XX/XXXX, I called the company 's customer service center and scheduled a {$25.00} electronic payment for XX/XX/XXXX. 

And on XX/XX/XXXX, I logged into my account and attempted to schedule auto draft/bill pay arrangements to be ongoing until the debt is paid.

However the system would only allow me to schedule payments for four months out, XX/XX/XXXX, because I was a delinquent customer. 

When speaking with customer service staff on XX/XX/XXXX, I was told that at the end of XX/XX/XXXX, I would have to enroll electronically, into another auto pay program that the company has. 

I asked if the company auto responder would send me notification warnings about the four month period expiring. 

The customer service person informed me that company did not have an auto responder program for such activity. 

This brings us to the heart of my complaint as follows : 1. Are elderly people, who are on lots of medications and, have XXXX XXXX competent to keep up with this requirement via computer or, toll free number ( s )? 

2. Is it an unreasonable expectation that a XXXX XXXX company can not field an auto responder? 

3. Can it be that the company uses this form of financial " XXXX '' to boost profits from fees collected from the disenfranchised? 

Well, what do I want you to do about my complaint? 

My expectations are that you initiate an investigation into this company and, that you will also peer into the operation of other companies to discern if this is an industrywide practice.
I noticed on my Equifax report that there were numerous inquires that I did not authorize. I have called on numerous occassions as well as disputed these inquiries online. I have also sent a letter on X/XX/2017 to Equifax ... <P/>I disputed on line to Equifax on X/XX/2017 stating that I did not authorize the inquiries on my Credit Report. Received notification on X/XX/2017 that " Inquiries are a factual record of file access '' I also disputed on line with Equaifx on X/XX/2017 and received notification via email on X/XX/17 that " Inquiries are a factual record of file access '' I did not authorize these inquires.
NAVIENT and XXXX have made it difficult to repay the loans they have requested and exuberant amount per month stating that I do not qualify for income based repayment which I do n't understand because I 'm a single parent with a teenager in XXXX. And when I tried to send what I could afford they said it was not acceptable. So I keep putting the loan in forbearance because I ca n't afford the payments and they make it difficult to pay.
I disputed a derogatory item placed on my credit report in error by  XXXX ,  XXXX  and Experian --  XXXX  and   XXXX   fixed the error by removing the item from my credit report -- EXPERIAN DID NOT. Experian refuded to remove the item and said so after their " investigation '' was complete.   XXXX    XXXX   (  a collection company ) is complicit in this. On  XXXX  -2017 I resubmitte d my dispute with EXPERIAN and warned both   XXXX   XXXX   and Experian of pending legal action I intend to take if this situation is not resolved IMMEDIATELY. The derogatory item was for an unpaid dentist bill ( {$900.00} ) which IS PAID and the account ( my husband  XXXX  's ) is IN GOOD STANDING with  XXXX   XXXX  ( merchant ). This item should NEVER have appeared on my credit report in the first place -- and since the item is PAID, this item DOES NOT BELONG IN COLLECTIONS.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CT  XXXX   XXXX  :  XXXX
I contacted XXXX, XXXX  and Experian about bankruptcy showing up on my credit report several times. They state that it was verified with the Court. However, in XX/XX/2018 I receive letters from the Court stating they did not verify the bankruptcy with any credit company. I did send them the letter and the bankruptcy are still on my credit report to this day.
I am very sad and dissatisfied at capital one because I have work very hard to become current with all my 3 credit cards with capital one I have done payment for he past 3 months and this people decided to restrict my account now one is already back to normal but I was charge an annual fee for 2 cards the one ending in. XXXX and XXXX the reason of why I fall behind on my payments is dude to an emergency that is been going on for so long my grandmother and grandfather health issues this was a temporary thing but now it has expanded as both of my grandparent were having health issues once again and it is impossible for me to give a higher payment every month to bring my account Down as much as possible I have tried my best and I even got enrolled in to a program that supposedly was helping me out but in reality it is not the interest fees and cash advance fees are killing me for every minimum payment I make once he interest charges hits or cash advances hits the balance increases and he balance doesnt goes down much. I spoke to a female supervisor that said she would look out and see my options but she only call me once and nothing was settled I explained her my situation financially as I been struggling for both of my grandparents health problems I concider them like my second parents I called them mom and dad. All I want is help from capital one and see if they can please wave me the interest fees and cash advance fees something that can help me out. I am happy to be part of capital one because its been. While but sometimes I feel like they dont really care wen it comes to problems wen customers struggle financially like Im doing at this moment I also want all my accounts to be not restricted they said they will re open them after I completed 3 payment I have completed at least 3 to all accounts if Im not mistaken.
Callings all-day long. Customer service is rude.. never received paper work because I '. Unemployed
I am in severe default on my loan and want to get back on track. I was told I can not consolidate my loan because it is no longer owned by the US dept. of ed. and is not eligible for loan forgiveness. I am a XXXX in a high needs area and qualify for XXXX which would pay off my loan if I get it out of default. 

They are telling me I can not qualify for this but can not /will not provide me with any information proving this is the case. They are trying to force me into a payment plan that requires 10percent of my disposable income and I am already paying on another loan under the income-based plan and I have an infant at home and can not afford those payments so I have n't gotten it out of default. 

How the US sell my loan and then disqualify me from the programs I was told I was allowed when taking out the loan. They are also hounding me to make a payoff of over 8000 dollars and not taking it seriously when I offer payments.
In regards to Case number:XXXX Please remove the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
When I checked my Credit reports I noticed " XXXX XXXX '' collection agency was trying to collect money from me. 
I asked them to validate any contract I had with XXXX XXXX and all they do is send me something from another entity, I have, had no contracts with XXXX XXXX ever, past or present, why would I give them anything? 
The contract I may or may not of had with the entity they are showing me has nothing to do with my obligation to another INC. LLC or other corporation such as " XXXX XXXX '' in this fraudulent attempt to collect a debt, without validation from their specific company, Convergent. 
I want XXXX XXXX to remove me entirety from my credit reports.
I use Credit Karma to monitor credit activity on my accounts. Recently, I have received 2 unknown/unsolicited Hard Inquiries, one on XX/XX/XXXX ( XXXX, XXXX, CO ) and another on XX/XX/XXXX ( XXXX, XXXX, FL ). Please see attached for contact details of these institutions.
XXXX XXXX XXXX XXXX charged my AMEX Serve Credit Card and I never received the item. In addition, XXXXXXXX XXXX XXXXXXXX XXXX said that the card is not activated with them when it is. 

Here 's the record of what XXXX XXXX XXXX XXXX  has on-file of me : Skip to Main Content Skip to Shopping Bag Skip to Search 30 % off Already-Reduced prices XXXX XXXX XXXX XXXX Hi XXXX Find a Store New Arrivals Clothing Dresses Shoes & Accessories Work Collections Petites Plus Sale Search 1 My Account Rewards Status Profile & Preferences Saved Payment Address Book My Orders My Wish List Shop Now Saved Payment My Default AmericanExpress - XXXX Expires XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Edit | Delete +Add new credit card Protecting your privacy is important to us. For more information, please read our Privacy Policy. 

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