WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, This is in regards to my Student Loans, Personal and Federal, being serviced by Navient. 
My student loans were due for repayment on XX/XX/2015 and I created a bank account to fund the repayment from an addition job I started just for repayment a year earlier. I have called in XX/XX/2015 and was told no payments were necessary and I could wait until XX/XX/XXXX. 
On XX/XX/2015 Navient successfully performed a " XXXX Dollar Debit '' to test drafting from the account. On XX/XX/2015 Navient informed me that they tried to draft from my account and the bank was unable to find my account. 
Between the XX/XX/XXXX to XX/XX/XXXX, there were multiple retries until I transferred the finds to another bank and submitted payment over the phone. However, by that time, the first payment grace period was over and all benefits such as a lower interest rate on some of my loans and Cash Back were removed from my account. I was promised that the rate would be lowered if I did not miss any payments for a year but nothing has been done to-date and I have never missed a payment, sometimes overpaying to reduce principal.
I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It stated to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer. 

Thank you, XXXX
On XX/XX/2018 I sent up a payment for {$63.00} to be paid on XX/XX/2018 and XXXX   XXXX XXXX took two payments from my XXXX XXXX XXXX Account for {$63.00} and {$170.00} on the same day. I called to speak with a supervisor and asked that the payment for {$170.00} be returned back to my XXXX XXXXXXXX XXXX account because I did not authorize for two payments to be taken out of my account. I had already calculated my transactions and by XXXX  XXXX XXXX taking an extra payment out of my account of {$170.00} it would cause my account to be overdrawn and {$96.00} worth of fees to be assessed to my account. The representative told me that they could not void the second transaction but I could go into a XXXX XXXX XXXXXXXX branch to open up a new checking account and they would see if they could return the funds to a XXXX   XXXX XXXX checking account. I did not want to open up an account with XXXX   XXXX XXXX because in the past they promised to take care of their error with processing a payment a few years ago and failed to address their error then reported that I did not make my payment and closed the credit card account which subsequently impacted my credit score and credit file. 

When I set up my payment for {$63.00} no other payments was pending on the mobile app. The representative told me that I should not be using the mobile app to view prior scheduled payments but the desktop. I did not know that I could not rely on the mobile app because that's all I had been relying on in the last 6 months and it was not an issue to my knowledge. In all I had to go to XXXX XXXXXXXX XXXX  to complete a REG E claim to have the {$170.00} disputed and to date I have incurred {$96.00} with XXXX XXXXXXXX XXXX and {$82.00} worth of fees with XXXX XXXXXXXX XXXX because the representative and her supervisor would not cancel out the second payment that was not showing in the mobile app of their system. 

Additionally XXXX XXXX  XXXX has recently reported that I did not make my XX/XX/2018, XX/XX/2018 and XX/XX/2018 because of their error. I have proof that these payments and the additional payment that came out of my XXXX XXXX XXXX checking account. Even after the XXXX  XXXX XXXX staff made an error a few years ago with failing to process my payment and closing down the account, I still have been faithfully paying the account. However, they have not been reporting my payments to the credit bureau as they promised. I need for the Consumer Financial Protection Bureau to launch an investigation against XXXX XXXXXXXX XXXX because I have asked to speak with the Escalation Team within the Office of the President and the representatives refused to escalate my call. And their staff refuses to correct all their errors.
When I was starting college a credit card rep from bank of america discussed with me about signing up for a credit card. During the application procces the credit card rep fugged my income by a lot so I could get a larger amount of credit. Looking back with my income at the time I would have been declined due to me making less then {$100.00} a month. I was apporved for a card with an {$1000.00} credit limit. I started useing the card with out actually understanding how credit cards worked and not know i would not be able to pay it off with my income. My account went into defualt and was sold to a debt collector. I was away at college and during those 7 years my debt went to a judge and it was ruled in the debt collector favor without me even getting a notice because I was away at college. Now that {$1000.00} credit debt is over {$3000.00} and they garnish my wages anytime I get a job. I am XXXX now and i look back at the day the bank of america rep XXXXXXXX XXXX XXXX  and nothing was reported or done.
Someone applied for multiple credit cards under my name, which resulted in 10+ hard inquiries to my credit report. Also, a PO Box exists in XXXX Georgia under my name and it is not mine.
Never was told about regional atm fees and want them all retuned already had some but want them all returned
Credit Collection Service placed account on in my credit file without notifying me. In my previous dispute to them, I advised them that they are in violation of the early warning notice clause of the FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify consumer by mail before placing negative items on their credit reports. Moreover, Credit Collection Service are in violation of FACTA section 623 ( A ) ( 7 ) because they did not remove the items off my credit report.
My name is XXXX XXXX and I am writing this email in regards to numerous violations of the FDCPA. XXXX XXXX XXXX is a daughter company to Navient who is contracted by XXXX XXXX to collect on this debt. I assume that XXXX XXXX forwarded on my contact information when they contracted you. When they did that, XXXX XXXX gave you my address and phone number. XXXX XXXX had my number as a ceased do not contact number therefore you all decided to call my XXXX sisters on XX/XX/2018. 

You called XXXX on XX/XX/2018 and left a generic message. When she called back in on XX/XX/2018 she asked who you were with and you would not tell her but only said its a personal matter. According to the FDCPA you have to disclose who you are with but can not state it is an attempt to collect a debt. You also called XXXX on XX/XX/2018 and left a generic message. She again called back on XX/XX/2018 and spoke to XXXX who advised her she would not receive another call! My XXXX sisters called me on XX/XX/2018 stating they received calls from you. So that same day at XXXX XXXX   CST on XX/XX/2018 I called in and gave you all the information you all needed. I stated you can send me information by mail but do not call my cell and do not contact my XXXX sisters again. 

Well on XX/XX/2018 you called my sister again at XXXX and this is another clear violation of the FDCPA as she advised on XX/XX/2018 to not call her again. On that same day I called in to request a formal complaint of the 2 FDCPA violations. 

On XX/XX/2018 I called into XXXX XXXX XXXX as I wanted the status of my complaint and was told by XXXX that it was still open. After telling XXXX of the XXXXwo options XXXX XXXX XXXX has he advised me that those were not going to happen. He then went on to say that if I did not enter into the loan rehabilitation program that they would garnish my wages. XXXX can not state that, as he does not know when and or how XXXX XXXX and or XXXX XXXX will take those actions or if they even will. 

Section 807 of the FDCPA SAYS AS FOLLOWS : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
( 13 ) The false representation or implication that documents are in legal process. 

Since XXXX says you all have no record of me calling in on XX/XX/2018 to advise you not to call my sisters again and give you all my updated information I am attaching my call logs from XXXX as you can clearly see. You all violated the FDCPA 3 different times. First being not disclosing who you were all with when XXXX called back in. Secondly when XXXX advised not to call her again but yet you all did on XX/XX/2018. Third on XX/XX/2018 when XXXX said to me " if you do not enter the loan rehabilitation program we will garnish your wages ''. 

Each of these violations carries a possible {$1000.00} fine on top of my loans being brought to a XXXX balance. So your option is to bring my account to a XXXX ( XXXX ) balance considered paid in full and or I will have to take another step with this.
During our loan process, our mortgage loan officer did not fully disclose all of the information needed. For instance, as first time home buyers we were unaware that our interest rate would change if our closing occurred more than 60 days after we placed our offer. Even though we were in conversation with our loan officer before / between every step in the offer and negotiation process, this information was not disclosed to us until after we signed our contract. Also, as we came within a week of our closing date, we contacted our loan officer -- only to receive an automated response informing us he would be on vacation until days after our closing. After making contact with our loan officer 's supervisor, the mortgage sales manager, we were informed that pieces of information were missing and we would have to postpone our closing for another day. With that postponement, the mortgage sales manager sent us updated closing documents. On these documents, our monthly mortgage payment was listed as {$130.00} more than on the initial documents sent by the mortgage officer at least one month prior. This large difference was due to a calculation error by the mortgage officer. When this was brought to the attention of the mortgage sales manager, he refused to make any adjustments to the interest rate ( which was increased due to the non-disclosure of the impact our delayed closing would have on the rate ), fees, etc., despite conversations with the realtor and both buyers. This {$130.00} increase in monthly payments significantly impacts our budget. The carelessness of the mortgage officer and the mortgage sales manager 's review of our paperwork has caused unnecessary stress.
Equifax has leaked my personal data due to a flaw in their security. They have provided me with a solution that requires me to relinquish my rights to take legal action against them for any wrong doing.
I received a debt collection from FCO XXXX XXXX XXXX XXXX  XXXX, XXXX, MD XXXX # XXXX Acct # XXXX for XXXX  on the XXXX XXXX XXXX XXXX for {$170.00} I called XXXX credit bureau and they said, " This is wierd, they only have a name and address, nothing else!. They removed it from my credit report. I tried calling the company and spoke to XXXX ; it is for an apt . complex in XXXX florida ( XXXX XXXX XXXX ) .It occured on XX/XX/2015. Apparently someone tried to rent an apt using pieces of  my information. the fee is for application, administrative fee, and NSF.I asked for documentation from the apt . community ; what proof of ID, etc. Since I refuse to give them even my phone number ; I was to call them back a few days later. I then got XXXX XXXX ; he refused to look into the information unless I provided my soc. sec. # and b/d. I said no way XXXX! I explained they didn't have the real info when they attempted to put it on my credit report ; I asked what have you done to verify anything. 
I get real annoyed when someone gets sneaky with my information. I have never bounced a check, paid a bill late, and have excellent credit!
On XX/XX/XXXX, I opened a checking account with Bank of America in XXXX XXXX XXXX AZ. with {$1000.00}. I did not use the account and actually forgot about it. I do use a BOA credit card and online banking to track and pay each month. Recently I discovered that the BOA has been taking $ XXXX/month out for " service fees '' since approximatelyXX/XX/XXXX and this amounts to {$770.00} lost!
I spoke with a representative of BOA about ten days ago and was told that nothing can be done to recover the fees even though I was never informed that they would be applied after I had made the original deal to open the account which had no monthly charge with {$1000.00} balance.
I guess that they have some sort of " hidden wording '' in the original paperwork that I signed when I opened the account but I do not have any records to refer to as I totally forgot the account and trashed the old records a couple of years ago.
In a phone call today BOA told me that the original agreement provides that they can change the charges anytime and do not need my consent, which they did.
My complaint is that while this practice may be legal it is not at all fair to the consumer and should be stopped through regulation by Government agencies responsible for the consumer banking industry. Why should this industry be able to effectively change a contract element without assurance that the parties have been informed and consent to the change.
What a " shady '' way to do business in my opinion, but at XXXX Yrs. old I suppose my morals are obsolete.
Thank you for any assistance you may render, XXXX XXXX XXXX
We applied for a mortgage with Wells Fargo last XXXX with XXXX XXXX. During the process, they sent out an appraisor, XXXX XXXX, who as per XXXX XXXX at Wells Fargo has been appraising homes in our area for over 20 years and is XXXX of the best in the area. XXXX XXXX assessed our home at XXXX. On the day we were supposed to close on the initial application, XXXX XXXX, our agent at the time, sent me a text message stating that they would not be able to do it until they did another appraisal. Another appraiser came to our home for approximately 10 minutes. During this time, she neglected to go through the entire house - including our XXXX square foot basement which includes a second kitchen, sauna, XXXX bathrooms, bedroom, excercise room, office, living room and leisure room. She was extremely rude and obnoxious to my wife and left after looking at a small portion of the house. She then appraised the house for XXXX, citing things about the house that were factually inaccurate. We recently attempted to refinance again with a different agent, XXXX explained to me that they could use the original appraisal of XXXX and the only thing required was that the appraiser XXXX XXXX XXXX XXXX return to the home ( it was in construction during initial appraisal, XXXX to confirm that the home had not reduced in value. The appraiser did so, and we received a copy of her report stating that the home was in fact worth XXXX and that it had not reduced in value. We submitted all required paperwork and were preparing to close when XXXX XXXX informed me that they would not be able to do the loan in that amount due to a second appraisal, which did not happen as we were never contacted nor visited by an appraiser. I asked why they were using that value, based on the incomplete, therefore inaccurate appraisal, over the more thourough appraisal ( again, completed by XXXX of the most relable, accurate appraisors in the area as per XXXX XXXX XXXX. ) She said she did n't know and recommended I escalate the question, which I did. I received a phone call on XXXX at approximately XXXX from a XXXX XXXX, who can be reached at XXXX XXXX. XXXX XXXX explained to me that they determined the lessor amount was more accurate. I asked him who came to that determination and he explained that it was done by a vendor and that it is therefore out of Wells Fargo 's hands. I asked him for the name and contact information of the vendor who came to that determination and he said he did not have that information. I asked him to get me the information by XXXX on XXXX. I stated that if I was not given that information by that time, I would be contacting my attorney, which I plan to do. Thank you for your time
i have been disputing an alleged account from XXXX  XXXX .it was in litigation in XXXX XXXX florida .the judge said i won the case the attorney for XXXX XXXX is XXXX XXXX he is still reporting this i can not talk to XXXX   XXXX because it directly sends me to this attorney they are reporting it every month in a unethical manner to drive my score down. which i believe violates the f.d.c.p.a. an the f.c.c.p.a.and all three credit agencies refuse to take it off my report, Evan sending them documents to prove i wasnt lying ... the numerous disputes has gotten me no wear but time added on to this account.XXXX XXXX owes me XXXX dollars.that his law firm has refused to pay.the law offices of XXXX XXXX XXXX out of XXXX  florida. i just want it removed from my credit report.
Union Bank issued new credit cards to its customers after changing the company that handles the credit cards to Union Bank. I have been unable to register the card autopayment, an error continues to occur showing the autopay feature has been turned off, though I continue to enter the info over and over again for autopay. It also does not allow for anything other than the minimum payment due, or the full balance, to be allowed to be paid, XXXX as a specific amount. I have been on hold for over XXXX hours with Union Bank, both customer service and technical support.
I received a letter in the mail from Sofi or Sofi.com to cut my interest rates and help reduce debt. At the bottom there is an opt out number to call : XXXX. When you call it describes that this the CFPB number to opt out of these offers and ask for your social. I know that CFPB would not ask for you SS # over the phone and this is a total scam. Please investigate and shut these people down.
equiifax is reporting inaccurate information. They show XXXX, XXXX as current collections. All these accounts were paid & the companies agreed to remove them when they were paid. They classified it as a paid for deletion. All these accounts should have been removed in the most recent dispute with the company. I 'm not sure what steps they took in verifying these accounts but it looks like me they did n't contact the companies ... they just checked to see if my information matched their records ... this is a gross violation of the FCRA. I called them on the phone to inform them of the issue & they claim they do n't have any way to verify any account which a company has agreed to remove. They told me to contact the company ... my first question is how does a company know this information is 100 % accurate without communicating with the company directly? There are too many possible errors which can take place & my federal rights are not being protected ... I need all XXXX of these accounts to be removed at once. Here is the list of the accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.
I was finally able to reach out to my borrower and set up payments. My payments were set at {$550.00} per month ... Steep but I agreed to pay. However each, time I would apply for income based repayment or the fact that I was working at a XXXX. My paperwork got lost or someone said it was never received. The next year I thought the {$550.00} per month would continue, but I was told I would have to pay {$250.00} more per month, even though I told them there was no way I could afford {$750.00} per month payment. They said it was not going any lower and the only way to avoid was to go into forebearance ... I feel I was forced into forebearance and I told them over and over that is not what I wanted ... I wanted to start paying. But I 'm in forebearance because they will not give me lower payments.
I have been harassed by AMCOL for a debt that I do not owe. The hospital where I was admitted ( XXXX XXXX, 2015 ) incorrectly coded the visit which caused a rejection by the XXXX XXXX XXXX XXXX. I called XXXX and opened a case number. This was last year. I contacted XXXX XXXX XXXX and they admitted they never sent me a bill or I would have known to dispute the claims. The Doctors at the hospital falsified their reports which has caused all of this in the first place. I never heard back from XXXX XXXX Hospital or XXXX since I contacted them over 6 months ago to try to resolve this issue. I engaged an attorney to get AMCOL to leave me alone, and they would not stop harassing me. I threatened to sue them, and that is when they put this against my credit without resolving it with the people who engaged them. I have a copy of the hospital report, and the original claimant 's name is not on it. Again, they never sent me a bill regarding any of this, they sent me to a Collection Agency to harm my hard-earned credit.
I filled out a house rental application and received a call from XXXX XXXX XXXX saying I was accepted, so he sent over a lease that was signed by him and I signed it and sent back to him. After that he requested I send him a money order of {$1200.00} to his daughter ( XXXX XXXX ) and he will send me the keys. After I sent the money he stopped contact with me and after XXXX days of trying to contact him I called from a different number when he answered I said who I was and he hung up. He stole my money.
Home Depot is charging me unfair finance charges every month. I have {$600000.00} ready to pay and the bill is {$6000.00}. Everymonth is unfair charges of {$120.00} and {$110.00}.
I had been a customer with Citibank since XXXX in XXXX. In XXXX I moved to XXXX, XXXX. In XXXX Citibank removed all of its branches from XXXX. I was left with no other option but to move my money to another bank and close my Citibank account. I did so with a confirmation number saying my account would be closed by said date. I forgot about it. Then I started getting banking statements from Citibank saying that there was a negative balance because low fund fees were accumulating. I called Citibank to re-close my account and waive the charges on several occasions. Each time they told me they had done so. I started to then get collections notices for the amount of the negative balance on my closed account in the amount of {$120.00} dollars. It is their error for not closing the account. I have been after them to correct the mistake. I have tried to call back and each time they have a different excuse. I am now is collections for their error and no one want to help me at Citibank and there is no branch for me to go to to solve the problem.