WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a loan with Wells Fargo Dealer Service on XXXX. My first payment was due on XX/XX/XXXX. This payment was automatically sent from my bank and applied on XX/XX/XXXX to my WFDS loan. Each month my bank would automatically sends out the payment. In XXXX of XXXX I started to send in a Apply To Principal Only Payment by a check that I made out each month along with the automatic payment coming out of my checking account. Everything was fine until XX/XX/XXXX. With this payment they only applied a portion of the principal to the loan and also took interest from the apply to principal only payment. I was able to resolve this issue quickly. 
Payment and extra Principal Payment were applied correctly until XXXX and again they tried to apply my separate principal payment to my monthly payment amount. This has been going on for several months and not getting corrected. I have called several time and have been told it would be taken care of. As of today XXXX it has not been resolved. They continue to apply my extra principal payment to the regular payment and take interest out of the apply to principal payment. I had a very long conversation with a lady named XXXX last night and got nowhere in fact she is telling me I am ahead on my payments. I asked her several times if they could correct the mistake and fix my principal payment. She is telling me if they do this I will be behind on my XXXX payment. This can not be. I have sent in 31 original and 27 apply to principal payment. How can I be behind if I request them to fix their mistake. This is just not acceptable. I want this fixed the proper way and without them telling me I will be behind on the payment. I can't be behind because a payment goes to them automatically each month. I manually send in the Apply To Principal Only payment clearly stated on the check and also the payment slip. THIS NEEDS TO BE FIXED IMMEDIATELY.
Navient told me if I made a payment before XX/XX/XXXX I would not be reported as delinquent. I entered into a repayment plan suggested by XXXX on XX/XX/XXXX which called for a six month interest reduction and a reduced payment. The pay was made in XX/XX/XXXX, and Navient reported me as delinquent anyway, indicating that because I made a reduced payment and enterened into the agreement they suggested, it was not enough to prevent the delinquency from being reported. In essence I was lied to and now my credit score has taken a hit that I was told would not happen.
Misleading marketing and deliberately alludes to potential for granting a bad credit loan. They even give you guidelines for credit score XXXX [ they say as fair ] & while indicating a credit check will not negatively effect your credit. Then they reject you with incorrect information gained from that credit reporting agency. An agency that I have complained to CFPB for months over incorrect information. No attempt on their part to validate. Then they will- get this- post that rejection while asking me to reapply in 6 months really!
The constantly call me wanting me to pay over the phone, and want my personal information. When I tell them I will verify what they have the lady got really rude with me and told me they are going to sue me and garnish my wedges, but would not tell any thing else.Will not send me any papers in the mail like I have repeatedly asked. Constantly tell me that I need to pay.
Wells Fargo invited us to take advantage of the Home Affordable Refinance Program in XXXX 2015. We applied to refinance at a lower rate. My credit score is XXXX and income more than qualify for a refinance with no additional money requested. I 've been with WF since they bought Wachovia and do all my banking with them. We did not ask for additional money, just a lower rate on our current small loan. During the process, WF called my government client so many times that the client complained. We gave all the documents requested. In the last stage, they came back and asked for a XXXX for rental property because they wanted to know why we had a loss. What does that have to do with a lower rate? We did not submit it. Much later we got a survey request from WF asking us to be honest and tell them why we did not proceed with the application. I wrote the same to them and now more than a month later - Nothing from WF. What is the point of asking if nothing is being done or even said?
I applied for a mortgage refinance with New York Community bank XX/XX/XXXX with a 60 day rate lockin. No one from the mortgage department communicated me the status on the loan after repeated attempts. Finally after speaking to management my loan was approved and closing was confirmed for XX/XX/2016, however, even after confirming the closing time, date and place the bank representative did not show up at closing and never bothered to communicate to us that closing would have to be postponed. ( UNPROFESSIONAL on the part of bank and Title company ). NYCB mortgage company points a finger at the Title company ; maybe it was the title company but NYCB mortgage still failed to communicate to me the customer that the closing would have to be postponed. I went to the bank branch for a closing with the appropriate documents and closing money and no one at the bank had any idea about a closing to be done at that branch, ( again NYCB mortgage department failed to communicate with the NYCB bank branch ). NYCB Mortgage Company operates in a very unprofessional, unethical and incompetent manner. I ended up cancelling my mortgage application and went with a mortgage broker and got better service.
As I explained before ... .your " investigation '' is totally irrelevant to the law. The consumer is NOT REQUIRED to prove they were robbed because that is impossible ( the burden is on the BANK ). Every response provided here will be used in court. Regardless of whether the police report aided your investigation or not is NOT my problem. I was robbed and the main reason anyone keeps money in a bank is for the bank to provide protection against theft. You are required BY LAW to refund the money or take me to court for fraud ( I welcome that ). Every response you provide will only be further evidence the institution is intentionally avoiding federal consumer law. You are wasting my time. Have your legal department call me or my attorney or we will file in court and request maximum damages plus attorney fees and hand this judgment over to an experienced trial attorney who will file a class action and subpoena all the records of claims vs denials. The law is written specifically so the bank can not deny claims by attempting to place negligence on the customer. Not only is this theft by the institution, but an attempt to avoid your own failure of lax security measures. This will come out in court if you choose this route.
I contacted XXXX  Dispute Department and was transferred to one of their customer service reps named XXXX. I told her my problem with her agency listing XXXX XXXX as a Charged off account. I informed her I had written a collection validation letter to Rise XXXX and wanted them to validate this debt showing up on my XXXX credit report. I let her know I had sent this letter to the creditor twice, and I had gotten no response from the creditor in the last 45 days. She said she couldn't remove the account from my credit report and she needed a letter from the XXXX XXXX to remove the account from my report. I stated that they have dual listings as they have XXXX XXXX listed as a collection account as well. It has to be either a charge off account or collection account, they can't have both. She told me there was nothing they could do. I also told her that the XXXX XXXX XXXX XXXX couldn't verify to me that any of my student loan payments were late, and that I would have to take it up with XXXX. XXXX told me there was nothing she could do without a letter from XXXX XXXX XXXX XXXX.
Suntrust bank created a situation where they forced an over draft coverage on an account that has no over draft coverage. I reminded the bank that there is no overdraft coverage on the account and that federal law prohibited over-drafting with out the consent of the customer. I have never given my consent for overdraft coverage, and was clear, that if I do not have available funds in the account, then decline the transaction for insufficient funds. Suntrust runs algorithms on the account to create overdrafts and then manufacture debt. This is a clear violation of the federal law. 
On Friday the XXXX of XXXX after XXXX there was a positive balance. However on Monday the XXXX the bank is claiming that an over draft occurred and I was penalized for it. 
The facts are the bank manufactured the debt by providing overdraft coverage when non existed. The provided overdraft for XXXX debit transactions, 1 ) for XXXX and 2 ) for XXXX, when the transactions should have been declined for insufficient funds. That would have left enough of a balance to cover the internal transfer and alerted me of a low balance so that I could have transferred more money into the account. 

By applying overdraft coverage on an account that had no such coverage Suntrust created a negative balance then fined me for being unable to make a XXXX dollar internal transfer as is the practice of the bank to do on the XXXX of the month. Suntrust created a debt where non existed.
XXXX XXXX XXXX is trying to collect {$800.00} for XXXX   that I have disputed. XXXX XXXX has done nothing to resolve this issue and has been unresponsive in resolving this. 

I offered a pay for delete letter even though this isn't my debt. There was no response. 

I believe this debt is so old at the point it shouldn't be listed on the file. 

I need help in resolving this. 

Account number with convergent is XXXX
I am a victim of identity theft and have been a victim of identity theft for well over XXXX years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my XXXX XXXX and Trans Union credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX/XXXX : XXXX-XXXX-XXXX-XXXX, XXXX XXXX/XXXX XXXX : XXXX-XXXX-XXXX-XXXX, XXXX : XXXX-XXXX-XXXX-XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX/XXXX XXXX XXXX,  XX/XX/2017, XXXX XXXX/XXXX, XXXX, XXXX XXXX/XXXX XXXX, XX/XX/2017
Received calls from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, PA. I never received any written notification. They did not provide any validation or verifying information. I do not have any debts in collections. 

It 's harassment and a violation of the FDCP to call someone who does n't have a debt in collection. Moreover, it 's harassment and a violation of FDCP to not provide written notification or validation.
There was a major security breach at Equifax and I 'm concerned as a consumer that my information may have been hacked. I want it documented that my credit will not be effected in anyway as I am in the process of repairing my credit.
On XXXX XXXX, 2016 I file a claim against Citibank and XXXX XXXX XXXX XXXX regarding a collection account that still is being reported it to the XXXX major credit bureaus, Citibank issue a letter on XX/XX/XXXX stating that they will follow through an investigation and that they would take them 3 month to notify of the results, it 's been 5 month already since I begin filing complaints against both of them. 
a Law Firm in New York called XXXX found violations being done specifically on this account XXXX has been the only XXXX that understood that this account should not be reported it anymore therefore they deleted it but the collection account is still active reporting it every month as of collection to XXXX and XXXX I have n't got No response from Citibank as they promise my record with both Citibank and XXXX XXXX is on your Data List with all the information pertinent to this collection account.
I took student loans out to help pay for my college education. I graduated and have been on an income-based repayment schedule since then. My family has grown in size and it has become increasingly difficult to try and pay more than my income-based payment. Over the years, I have paid my payment every month and yet my loans have grown exponentially! This is extremely frustrating because now I ca n't even pay on my principal balance because the accrued interest is over {$10000.00}. If I understand all of this correctly, if I pay just the interest accrued every 30 days, plus a little more, it will go to the accrued interest balance, not the principal balance. How will I ever be able to get caught up?! These loans have been in negative amortization almost the entire time I 've been paying. I 'm not asking for a pity party, but how is this even fair? I 've done what was expected of me, and in the end, I 'm being robbed in interest payments! PLEASE, PLEASE look into finding a way to not allow the American citizens who have tried to better themselves by furthering their education, go bankrupt because of this unfair increase in student loans borrowed. To me, this is exactly what predatory lending is : charging me way more than what I borrowed, while telling me it 's okay that I only make my income-based payment.
I have tried to settle this matter with bureaus ... they would not remove, so I contacted creditor ...
I filed bankruptcy back in 2012 on a 2nd mortgage on my property and it was included in my BK so I was told by my lawyer I did not need to make payments but the loan would sit on my title until I refinanced or sold the property. I am currently going through a refinance now that I am past my 5th year from BK and my lender is getting a payoff from Amerifirst Financial who held my loan which started at XXXX and before filing our BK we were paid down around XXXX and now Amerifirst is saying my payoff to satisfy my lien release on the property to close my loan is over XXXX payoff. I question how my payoff can be XXXX more than when it was discharged as part of my BK? I believe this to be mortgage fraud as this lender Amerifirst is trying to add funds to my payoff well over what I owe them. I am not responsible for any additional fees or interest accrued once my BK was filed and satisfied. My account number with Amerifirst was XXXX.
I currently have a Walmart store credit card issued by Synchrony Bank and have had ongoing problems with this bank. Most recently, on XXXX/XXXX/2016, Synchrony Bank reported that I am $ XXXX days past due. On XXXX/XXXX/2016, I made a payment of {$35.00} and on XXXX/XXXX/2016, a payment of {$75.00} was made. For the past two months, I have made {$110.00} in payments. I have yet to make a payment for XXXX, but it is forthcoming. 

I do not understand how Synchrony Bank determined that I have missed more than 3 payments. This would had to have occurred in order for me to become {$110.00} past due. In addition, I am consistently being charged interest for going over my credit limit. However, after each payment is made, there is no available credit. Therefore, I can not possibly go over my limit. It is the excessive fees which are causing me to go over my limit. 

There is no basis for this bank reporting erroneous information concerning my payments other than that Synchrony Bank is an unscrupulous lending institution with very unethical business practices. Prior to this reporting, I had no missed payments on my credit reports and as a result of Synchrony Bank 's error, my credit score dropped XXXX points.
I went to open an account online and was denied. I then went to the branch and they said Ive had multiple accounts with PNC of which Ive never had one, ever! 

The branch manager gave me a non working number with a XXXX area code to the executive team. 

Ive been a victim of indentity theft before but I have no information about PNC accounts and branches are less than helpful. 

I would like to Open the PNC Virtual Wallet performance account that I should be entitled to as a new client.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX  ), XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX Account # XXXX ( XXXX, Transunion, XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX  and Transunion ),  XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX and Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, Transunion ), XXXX XXXX XXXX  Account # XXXX ( transunion ), XXXX XXXX Account # XXXX ( XXXX, XXXX transunion ).
I had a CitiBank platinum select card that had a yearly membership fee of {$95.00} XXXX. The terms of CitiBank states that the account can not be converted or closed until the full year has elapsed and after being charged the following year 's membership fee, you are then able to issue a conversion. After I have issued the conversion ; which was done two days after the fee processed, I was promised to have the full membership fee refunded after 60 days and after the conversion is fulfilled. After a period of 45 days, the account was then processed for a pro-rated refund. I called CitiBank and had spoken to XXXX and XXXX ( unique ID : XXXX ) of the Maryland office and they both provided me with false information stating that I would only receive a refund if I REQUESTED the conversion within XXXX / XXXX ( Differing answers between representatives ), which I did within two days. CitiBank has a conversion period of 45 days for any credit card and will promptly at this point, steal, a portion of the refund. With hundreds of thousands of credit card users, I believe that this is against the law, and that this bank is laundering funds. In essence, the process was as follows : Membership fee processed XXXX, Processed conversion XXXX and was informed of full refund within 60 days and that the conversion may take 2 weeks with a letter stating so, I have not received a letter nor the card I requested by XXXX I noticed a refund on my account processed XXXX. That is a span of 53 days that I was forced to wait and CitiBank processed a partial refund because I was " outside of the XXXX ( depending on the representative you speak to I assume ) period ''.
I contacted Diversified Consultants at XXXX about a debt collection that is on my credit. I spoke with the first representative that treated me like I was XXXX. He said that I was so XXXX for not reading my contract. He yelled at me and would not allow me to speak. I asked to be transferred and he laughed and me and kept yelling " hold on ''. He then transferred me to another representative that was just as rude. He would not allow me to speak. He would not refer me to who to contact at XXXX about this amount that they have sent to Diversified Consultants.
PAID off my XXXX XXXX credit card on XX/XX/XXXX online. Got email from company that payment had been applied to my account and posted to my account on XX/XX/XXXX, and was POSTED and withdrawn from my checking account on XX/XX/XXXX. Mind you, there is no disclosure on the email or anywhere on the website advising this is a policy and that there would be a hold on these payments, and in the past, my payments have always applied and been available immediately, or the next day at the latest. Even a {$2500.00} payment made 2 months prior was available the next day. So, when i tried to use this card on Tuesday, XX/XX/XXXX, it was declined. i was very confused so i call the company, and i was told there was a hold on the payment and he wouldnt advise why and that it was just their policy that it has a 7 day hold before the avail credit is avail. Waited until next day, XX/XX/XXXX, and still nothing avail. Called again, as i paid the card off to book a family vacation, that the price is increasing daily, only for the manager to advise me, that due to the amount of the payment, being out of my normal payment amounts and algorithm different, even with the {$2500.00} pay prior, that their policy is these larger payments require a 7 day hold, and due to the amount there was nothing they could do to release the hold, and i am basically penalized for 7 days, and cant use my card to book my trip, until after the 7 days!!!!!!!! and due to the high limit of the payment, it wasnt even in her limit to release the hold!! i am beyond distraught about this awful policy! and being able to book my vacation, that is increasing daily!!!!!!!!! I work for a fortune 100 credit card company and have never heard of such a policy, or was even disclosed this info!!!!!!!!!! How is this legal??!?!?!?!?!?!
I have presented Goldman Sachs Bank USA with disclosure of concerns pertaining the fraudulent use of my XXXX account. I have notified that I have been a victim of identity theft. Goldman Sachs has noted that I did not authorized the debit of my savings account in any form. 
The account was compromised and debits continue to be made to the account after having reported several times fraud as their department failed to prevent the unauthorized party to continue to make debits to the account. 
I have presented my concerns once again to a XXXX, who did not address the concern of fraud and identity theft appropriately. I have requested that the monies that were debited from the account as a result of fraud be credited to the account. I have been able to regain online access to the account after requesting to have reset my username and password. I have presented the enclosed affidavits. There has been to this date no mitigation of losses. I request that you close the account as your poor practices have remain unable to support victims of identity theft and that you act appropriately conducting an investigation that considers the affidavits that I have been sent after your denial to my RegE claim. 


I request your understanding in resolving the unauthorized use of my information to request services and towards debits that I did not recognize. If you may offer the support that I need to resolve this matter, I would appreciate it greatly.
I get repeated phone calls from different numbers related to the company I have my student loan through. Today, XX/XX/XXXX, I have already received 4 calls as of XXXX. Yesterday, XX/XX/XXXX, I received 6 calls for the entire day. They will also call me using different numbers either out side of my state or in my state.
XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each  account is unverified.
I received a letter in the mail stating they ( Transunion ) took my XXXX XXXX XXXXccount off of my credit report. I didnt ask them to do that. It is my longest credit history, therefore this will adversely affect my credit score. I previously submitted a compliant for them to update my accounts. I never asked them to delete a open account.
Outdated information and negative old medical collection accounts continued to be report by XXXX despite payments made in full.
i had closed a checking account on XXXX/XXXX/14 with a XXXX dollar balenceand i tried to withdraw this and the bank said they did not owe me. 
i received a letter from XXXX saying i owe them XXXX! 
they put this on my credit report after i tried to resolve the issue with them. i found this out after i had applied for credit and was denied. they also stated that i closed the account on XXXX/XXXX/2014 in wich someone had just scribbled in on the statement they had sent me. i have the original statments from the bank proving this.