WillisBack/dataset-financial-user-claim huggingface dataset:
This situation has been going on for since XX/XX/XXXX we are now in XX/XX/XXXX. I have told Wells Fargo time and time again that someone used my information to apply for a student loan with Wells Fargo and I found out about it this year XX/XX/XXXX after opening my account with XXXX XXXX. Apparently, because the person who used my identity in applying for a loan also fraudulently used someone elses information as a co-signer, they put a negative record on my XXXX XXXX XXXX Report. ( I will attach the letter ) The loan application number appears as an account number but when I contact Wells Fargo they tell me it is the student loan application which is XXXX. I have filed a report at identitytheft.gov and provided them with the the report and case number XXXX ( I will upload that as well ).  Wells Fargo is telling me that that is not enough and i need file a police report with my local police department. Mind you this application was done online so that would be of no help at all. I have disputed with early warnings twice and Wells Fargo seems to keep deeming the information accurate so now I am contacting you guys CFPB to Ask Wells Fargo to either provide proof that this was me that applied for the student loan fraudulently or remove the negative record from my early warnings report immediately as I am being held accountable illegally. I will be taking further action against Wells Fargo if I am refused a response.
Step 1 : What is this complaint about? - Payment allocation Step 2 : What type of problem are you having? - payments are not being applied towards  the older balance ( purchase balance ) on my credit card. 

Step 3 : What happened? As of XX/XX/XXXX my credit card purchase balance was {$1100.00}. On XX/XX/XXXX, I did a balance transfer of {$3000.00} to my Wells Fargo credit card, per their promotion of 0 % until XX/XX/XXXX on balance transfers. Since then I made the payments as follows, to pay off the balance accumulating interest. However, my payments are not being applied entirely to the oldest balance, which is accumulating interest. Rather, they are applying part of my payment towards the promotional balance and part towards the purchase balance accumulating interest. With the payment shown below ; i should have paid the balance accumulating interest off, but that is not what is happening, and i believe these are bad business practices, as they are not allowing me to pay off the older balance which is being charged interest. 
XX/XX/XXXX - paid {$200.00} XX/XX/XXXX - paid {$100.00} XX/XX/XXXX - paid {$90.00} XX/XX/XXXX - paid {$85.00} XX/XX/XXXX - paid {$80.00} XX/XX/XXXX - paid {$600.00} XX/XX/XXXX - paid {$200.00} Total {$1300.00} - which should have paid my purchase balance in full, and any overage towards the newer 0 % promo balance. 

Step 4 : What company is this complaint about? - Wells Fargo Credit card Step 5 : Who are the people involved? XXXX in customer service and a rep from their credit card escalations dept. ( don't remember his name ) I spoke to them both on XX/XX/XXXX, and both told me my payments can not be reallocated to pay off the older balance, and that i could pay {$440.00} today and that would satisfy my purchase balance accumulating interest and then my future payments would be applied all towards my promotional balance. I believe they are doing this, so they can continue to charge me interest on a balance that would have already been paid in full. 
Additionally, they charged me a late fee for my XX/XX/XXXX due date, when the payment was made a month early on XX/XX/XXXX. They waived the late fee, however i feel like they will charge me a late fee on any future payments made before my due date, which i am sure i would have to call in and have them remove ; like i had to do today.
To Whom It May Concern : On the fourteenth day of XXXX, XXXX, I entered into a verbal agreement with Navient to provide me with a specialized one month forbearance plan for my private student loan, if I were to enroll in AutoPay. The representative proceeded to read me the guidelines and policies of the agreement over the phone, and asked me to verbally agree to them in order to enroll in this one month forbearance agreement. I agreed over the phone and was informed that for the month of XXXX, I would NOT have to submit a payment to Navient. That by enrolling in the XXXX, it would bump the XXXX payment out, and Id be responsible for resuming payments starting back in the month of XXXX. One week later, I received a correspondence from Navient ( via email ) that the Forbearance was not approved because I am enrolled in their rate reduction program, and that program does not allow any form of forbearance. I immediately was confused and highly frustrated as I was just informed by the representative one week prior that my forbearance was approved and I would not be responsible for a XXXX payment. All that Navient did was apologize for the misunderstanding but they are no longer sticking by the verbal agreement made between myself and Navient on XXXX. Instead, they are requiring me to pay for the month of XXXX. When I called to complain about this in XXXX, I requested to have the audio sent to me of the conversation had between myself and their rep, so that I can prove that we entered an agreement over the phone, they denied me of that audio stating that its their property and they arent allowed to share it. They also never sent the approval letter of the one month forbearance so I have no record of the agreement besides from the phone call. However they sent the denial letter one week letter, what a coincidence. Needless to say, I should not be responsible for the XXXX payment. Regardless of whether it was miscommunicated or not, they had an internal communications error that I now have to be responsible for. On top of this, Ive asked countless times how I can go about getting my co-signer released from my account, and to no avail, they are never able to offer me any options. Instead they say that there arent any options, that the co-signer has to stay on for the life of the loan. I just find that very odd, and very hard to believe. I would like my co-signer released so that Im the only one contacted and responsible for all things dealing with my Navient account, no one else.
Navient has had a poor history of countless accounting errors, miscommunicating policies and providing unrealistic options to its consumers and Ive had enough of letting them get away with it. Please help me get this resolved! XXXX XXXX XXXX
I recently went through a divorce and ran up the balance due to all the cost of divorce. I ended up selling my vehicle to pay this credit card.The balance was up to {$20000.00}. I paid this statement balance in full on XX/XX/2018. My due date isn't until XX/XX/18 or the XXXX of every month. I did not charge anything else on the card so it would be a XXXX balance statement. When I got the statement it had only one charge which was an interest charge of {$180.00}. I looked over the terms and conditions which state if you pay your balance in full by the due date you will not be charged interest. I contacted chase through their secure messaging center on XX/XX/2018 and requested them to waive the fee as this was a unfair deceptive or abusive act and to please waive the interest charge. They said no its a legit charge. I reached out Chase on XXXX on XX/XX/2018 and asked the same and they just don't care. Nowhere in their statement does it say anything about residual interest or that you have to pay multiple statements off in a row. This is deceptive and I've never had this issue with any credit card. If you pay the statement balance in full by the due date then you dont get charged interest. I'm wondering how many people have had this happen to them and they just keep doing this and taking advantage of people because they are so big? Terrible customer service terrible bait and switch. Just lying to the customers.
Discover Card advertised to customers that they would provide a 10 % cashback if consumers added their cards to XXXX and used it through the end of 2015. They did not list any exclusions on products that could be purchased in the terms that were provided to customers, but are now claiming that they are excluding gift cards and are refusing to honor the original terms that they provided. Even after emailing Discover Card to ask them to honor the original terms, giving them an opportunity to correct this blatant false advertising and deception of customers, they refused. 

These were the original terms : '' Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. " Discover, after the effective date of this offer, and without contacting customers, changed their website to a different set of terms to add this exclusion after having promoted the original ones : '' Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX/XXXX/15. Excludes gift card purchases. ''
They have been told repeatedly to stop contacting my place of employment, my employer has even told them that I am not permitted personal calls at work - they wo n't stop calling
I have not received a response to my qualified written request to Bank of America, sent by certified mail on XXXX XXXX, 2015, and delivered XXXX XXXX, 2015. Under Section 6 of RESPA, Bank of America had 20 business days to respond to my complaint, and 60 days to resolve the issue. Please see attached letter to Bank of America and return receipt for certified mail delivery.
I have requested that the XXXX account XXXX be removed from my credit file as it does n't belong to me you responded back saying that you had updated the information bite it looks like everything was fine with the account until XXXX where it was 30 days behind and now for the last 3 months they 're not even reporting it says XXXX the account does not belong to me the bank is not even reporting on it if you 're going to keep it on my account then I expect you to show me the steps you took to prove that the account belongs to me not just taking their word for it I clearly have a history here in the last year of fraud there were a lot of accounts removed I 'm not quite sure why this XXXX is still on here but I would like it removed permanently as soon as possible thank you
There is an incorrect previous address listed for me in Indiana that was reported on XX/XX/XXXX. I have never lived at that address. The address belongs to an exhusband who was unable to be located for divorce proceedings and who unlawfully used a credit card of mine in California in XXXX that was reported and funds were received back into my acct. Please remove this address from my credit report.
I ordered an item from XXXX that was never delivered. I lodged a complaint with the website, and then followed the entire dispute process in order to have it corrected. I signed an affidavit from XXXX acknowledging that I never received the item, and followed up with the company multiple times, until the process was complete. In the meantime, XXXX advised me not to pay on the account, and that it would be frozen for the length of the investigation. My account fell past due, and racked up late fees and finance charges. After the investigation was complete, I was told by both XXXX and Comenity Bank ( lender ) that all charges would be removed, and the reporting would be corrected with the credit bureau. The charges were removed including all late and finance charges, and I thought the situation had been resolved. My wife and I are in the process of buying a home, and I have just recently found out that there is significant delinquency reported on my credit report. I have a perfect report, with the exception of " serious delinquency '' as a result of my account with Comenity Bank. My loan officer advised me that she needs a letter from Comenity in order to escalate and re-score my credit through the respective credit bureaus, however each of my attempts to contact Comenity have resulted in them directing me to the credit bureau dispute process. My wife and I have sold our home, and need to close on the one that we are under contract with - I explained this to Comenity, and that I do not have time to follow the lengthy dispute process. In addition, this is not my problem to solve - it was supposed to have been corrected back in XX/XX/2015. Further, an open credit bureau dispute could potentially cause our loan to not be underwritten. We can get a loan with my current score, but the interest rate is reflective of my inaccurate report, and significantly higher than it should be. We are out of options, and so I am asking for help from the CFPB. All I need from Comenity is written acknowledgement that my account was never past due - that any delinquency was as a result of the investigation into the item that was never delivered to my residence.
I owed a final balance to XXXX XXXX XXXX located in XXXX, Wa. which was paid in full. The condo company sent the debt to National Credit Systems in XXXX to collect on the debt. After explaining to NCS that I had paid the debt, provided verified payment from a check that XXXX XXXX cashed, had XXXX XXXX contact NCS, they still have my account open and affecting my credit score.
I have never opened an account or had an account with these people. This is a result of fraud and identity theft. I have disputed and contacted them with no resolution.
Ocwen offered a loan modification, I made all XXXX trial payments and then they denied me Citing that I made the first loan payment late, I checked with multiple service representatives before making the payment about the date, Ocwen sent me a certified letter stating that it was not too late to take them up on their offer, I callled and made a payment, they started sending me statements reflecting each payment never mentioning there was a problem with the timeliness of my first payment. 
also they have told me XXXX of my payments was declined by my bank I have copies of my bank statements that reflect otherwise ocwen was scamming me all along, they had no intention of giving me a modification, they did n't deny me until all XXXX payments had been made and they refused to refund my money and refused to give me the modification they offered me. it was all done very strategically. I didnt originally receive the offer letter by mail instead they sent me a notice that i still had time to take them up on their offer, they wouldnt send me an offer letter by mail but let me download it online so i would send them the payments then after getting all the payments they denied me saying it was too late however all their correspondance with me started with a certified letter near or past the deadline.They were scamming me to be able to take my property though i qualified for an modification based on the following facts my loan originated in 2006 with XXXX then transferred to XXXX XXXX XXXX. I should have received an modofication from XXXX XXXX XXXX, they denied me then transferred me to ocwen, and they manipulated the situation to document due diligence. which is in fact a way of scammimng me out of my home.Please help!!!!!
I happened to check  XXXX   XXXX  and behold, an account that I had not opened showed up on my credit report. One week after that I was delinquent {$410.00} and now that reflects on my current credit rating.
On XXXX XXXX, 2017, the company placed an inquiry on my credit file with XXXX. I have attempted to get this removed by contacting both the company and the Credit Reporting Agency. BB & T has stated in writing that the inquiry was the result of a credit application from an automotive dealership. The only problem, which I have  explained countless times, is that I did not fill out an application with that dealership on the date in question. Had they checked, they would see that my signature is not present on any application used to access my file on that date.
On XXXX XXXX, I pulled a copy of my credit report after the XXXX data breach and noticed inquiries on my account that I did not authorize. I called XXXX, Transunion, and XXXX and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.
XXXX XXXX needs validation of debt done, he last payment is misising full payment history if there is any is missing, i have asked for verification before and it was ignored. my fcra rights have been ignored for full and accurate reporting. 
DATE LAST PAYMENT MISSING DATE OPENED MISSING DATE CLOSED MISSING
I have disputed this collection with the credit reporting agency and they reported you confirmed the account as reporting valid. There are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I demand this account be thoroughly investigated and removed from my all my credit file.
{$1000.00} loan taken out from Allied Cash Advance that is now owed by Check  N Go, they contact my job repetitiously daily harassing me. If I send the call to voicemail th ey will attem pt 3 more  times back to back and again at the end of the day.     I finally answered the call today and advised again do not call my job again.     I have paid well over the amount borrowed and when the company was sold to Check  N Go th ey no longer called to ask for Authorization for payment they just went into my account monthly and took funds beyond the required amount. I finally closed my account and stopped the payments completely. They are chagrining ridiculous fees and the loan at this point will never be paid off.     I advised when I initially took out the loan 2 years ago that my job is never to be called as our calls are recorded and monitored for quality assurance and training purposes as my job also involves compliance with CFPB guidelines. The calls continue and now my job is in jeopardy.
My address has always been XXXX, Tx XXXX until the XXXX address was changed to XXXX ( or XXXX ), Texas XXXX. The other addresses belong to my sons XXXX or XXXX.
I disputed with Experian, XXXX & XXXX the inaccurate information reported on my credit report which was a chapter XXXX BK reported by XXXX XXXX XXXX XXXX XXXX. 
I did not receive the response back from any of the agencies for my dispute within the time frame allowed by law.
In XX/XX/XXXX XXXX ( XXXX ) XXXX rented her house and deposited the {$1900.00} security deposit in a newly opened savings account at the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. She had long maintained a checking at the branch, automatically deposited her social security check there and had financed the purchase of her home with a mortgage loan then held by Bank of America. 

Shortly before her house was rented, XXXX moved to XXXX XXXX and started making deposits and withdrawals to her checking account at the Bank of America branch located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. In or around XX/XX/XXXX, the bank required a savings account balance of {$2500.00} in order to avoid a monthly fee of XXXX dollars. It notified XXXX by mail of its new minimum balance requirement. She was born and raised in XXXX and does not read English well, if at all. She also failed to notice the charges on her bank statements perhaps because she had no formal financial training. As a result she remained unaware of the fees,, Recently when discussing her accounts with representatives of the XXXX XXXX branch she discovered that the monthly fees had reduced her savings account balance to {$1300.00}. 
The bank considers her a " valued customer over 25 years ''. 

She respectively requests that these fees be reversed. 


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I HAVE MADE NUMEROUS ATTEMPTS TO GET MY CONSUMER CREDIT REPORT CORRECTED AND EVEN WITH THE PROPER DOCUMENTS SENT TO EXPERIAN AND XXXX THESE ACCOUNTS HAVE NOT BEEN HANDLED PROPERLY ACCORDING TO THE RULES SET FOWARD BY THE FCRA ... EXPERIAN AND XXXX HAVE NOT FOLLOWED ANY OF THE GUIDES LINES PUT IN PLACE ACCORDING TO THE FCRA.I HAVE BEEN DISPUTING THESE ITEMS FOR OVER 6 MONTHS. 
XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX WAS A VICTIM OF IDENITY THEFT
Equifax has mishandled my information. It has recently become known that Equifax 's database was breached, putting myself and millions of others at risk. Furthermore, in spite of knowing about it for some time, Equifax made little attempt to notify me. This has now has cost me several hours, and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from any company, especially one I have never chosen to do business with. 

Please take prompt and decisive action to ensure that something like this does not occur again.