WillisBack/dataset-financial-user-claim huggingface dataset:
I Received my credit report showing a inquiry from Ally Financial from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
I submitted a request for an Income Based Repayment ( IBR ) plan to Navient in XXXX of XXXX. I was assured that the request was received and that my new payment amount would be {$0.00} per month. When I checked my account in XXXX of XXXX I was surprised to see that I had been charged at the regular monthly rate since XXXX XXXX and I had accrued late fees for the past 6 months. I immediately called Navient and was told that the IBR was received in XXXX of XXXX but was never applied to my account. They did n't know why. They then asked me to resubmit another IBR request and again assured me that it had been received and applied. In XXXX of XXXX I checked my credit report to find that my credit score had dropped considerably due solely to Navient 's incorrect reporting of 6 months of missed payments on my student loan accounts between XXXX XXXX and XXXX XXXX. I called Navient to have them remove the fees which they agreed to do. The account was brought current and I had a XXXX balance. Today is XXXX XXXX and I just checked my Navient account because the missed payments are still showing up on my credit report and affecting my credit score greatly. Navient now states that I owe {$270.00} for my student loans when according to my IBR I am supposed to be at a {$0.00} payment until XXXX of XXXX. Their offices are n't currently open so I can not address this with them today but again they are incorrectly billing and applying charges when none are due. I continuously have to go behind them each month only to see that they still are applying charges that should n't be there. Then I have to sit with them on the phone for hours for them to correct it in their system, rehashing the story over and over, only to have to do it again the following month. It 's exhausting and a complete scam to charge people this way hoping that they wo n't notice and ruining their credit in the process. This needs to be addressed immediately.
In XXXX 2015, we made a {$12.00} payment to our Citibank credit card account, which was the full balance. For reasons that have never been adequately explained to us, this payment was returned to our account at XXXX XXXX by Citibank. Citibank then charged us a {$35.00} late fee after rejecting the payment for the principal. We sent the payment for the {$12.00} principal, and called Citibank, requesting that they waive the late fee. They refused to waive the late fee, for reasons they would not explain. We requested that the account be closed, and were told that this would be done. 

About two weeks later, we were contacted by Citibank again, requesting payment. At this post, they had charged a XXXX {$35.00} late fee, apparently related to the XXXX late fee, as we had already paid the principal. They also told us that the account had not been closed, despite our prior request. 

Tonight, after speaking to XXXX different representatives at Citibank, we were told have an approximately {$82.00} balance with them, reflecting their fees upon fees for an initial {$12.00} charge. They confirmed that they had returned our payment, but could not explain why it was returned. They could not explain why our prior request to have the late fee waived was denied, and they could not explain why our request to close the account was not acted upon. They stated that they will have a manager investigate this further. 

The highest level contact I have made to date was with XXXX, ID # XXXX. We have made about XXXX calls to date to Citibank to address this, and we have no resolution at this point.
In XXXX i purchased a XXXX computer, made payments on it for several years, I fell behind, the interest rate was extremely high andI couldnt get to the balance. I stopped making payments in XXXX. Its been over 10 years and the negative response is still on my credit report. The original company, XXXX sells it off to XXXX a while back then it gets sold to XXXX company and they say the origianal creditor is XXXX. That is false they keep selling it off and repeating it over and over, and do this over 10 years, and keeping it current. Please look into this.
I reviewed my credit reports with XXXX, XXXX and Experian and found out that XXXX XXXX XXXX had been attempting to a collect a medical bill debt for {$880.00} against me. I never received a notice to dispute from the collector or original creditor. I sent a letter to XXXX XXXX XXXX on XXXX/XXXX/15 letting them know I dispute their claim under the FDCPA and am allowed to request validation from third party collection agencies. At the same time I sent the collector a letter requesting validation of the debt, I also notified all XXXX credit bureaus in writing that this information is inaccurate. 30 days later I have no debt validation from the collection agency and this information is still reporting on my credit reports and none of the reporting agencies will remove it per my requests.
Company is attempting to collect a debt for a medical bill that was taken care of via insurance. This company is reporting to my credit as SYNDICATED OFFICE SYSTEMS and as CENTRAL FINANCIAL CONTROL on my credit report for the same debt. I have attempted to validate the debt and their office keeps sending me partial documents and completely avoiding my request. The documents that were signed with the hospital, but nothing with any reference to their company. The documents that they are sending to " validate the debt '' is missing pages. I am to believe that I am supposed to receive all pertinent information regarding the account and they are REFUSING to provide what I am asking for.
I have requested debt validation from this company on several occasions and never received it. I have never heard of AD Astro Recovery nor did I sign an type of contract with this company. I have tried to contacted them several times to resolve this issue with no luck.
Brief Description:1. On XXXX XXXX, XXXX I received a Notice of Intent to Accelerate and Requirement of Strict Compliance from Santander. The notice gave me until XXXX XXXX, XXXX to pay {$960.00} which was the past due amount. 
** I need to know how many days does the State of Texas allow a consumer for a Right to Cure Default Notice2. I was n't able to pay the above amount. So I contacted Santander and set up a payment arrangement and was advised that my vehicle would not be repossessed. On XXXX XXXX, XXXX my vehicle was repossessed 3. I received a Notice of our Plan to Sell Property from Santander dated XXXX XXXX, XXXX. I made several calls to Santander in attempt to returning my vehicle but I was unsuccessful. 4. On XXXX XXXX, XXXX I filed Bankruptcy Chapter XXXX XXXX XXXX ) in order to get my vehicle back. 
5. On XXXX XXXX, XXXX the Bankruptcy was dismissed6. I waited to receive a Notice to Cure from Santander so that I could pay the past due amount but I never received one. On XXXX XXXX, XXXX I received an email from Santander offering a 50 % settlement that 's good for 60 days XXXX XXXX, XXXX. I called Santander on XXXX XXXX, XXXX and agreed to a settlement of {$10000.00} good until XXXX XXXX, XXXX. I asked for it in writing but Santander refused. They told me to call back once I had the money and then they would provide a letter. 
7. In XXXX XXXX, XXXX Santander repossessed my vehicle from a XXXX parking lot. I contacted Santander but they would not return my vehicle. 
8. I received a Notice of our Plan to Sell Property from Santander dated XXXX XXXX, XXXX. I also received, via email, a settlement agreement with repossession fees included good until XXXX XXXX, XXXX. On XXXX XXXX, XXXX I filed Bankruptcy Chapter XXXX XXXX XXXX ) in order to get my vehicle back. 10. On XXXX XXXX, XXXX the Bankruptcy was dismissed,11. I had n't heard from Santander. On XXXX XXXX, XXXX I sent Santander a Demand Letter. On XXXX XXXX, XXXX Santander declined my settlement offer. I was informed that Santander sold my account to XXXX who then transferred the account to XXXX XXXX XXXX. I have tried to contact XXXX but I 'm transferred to someone 's voicemail and I 've never received a callback.
I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with XXXX XXXX XXXX ( AES ). Loan # 1 ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, {$50.00}, XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.
I called the automated phone system of Franklin American Mortgage to make my mortgage payment of {$1500.00}. The system verified that I was make a payment of {$1500.00} and asked me to verbally confirm by saying " yes ''. After which it said I had authorized a payment of {$2200.00}. With noo indication there was a way to stop it. I did call to get it stopped and found out the difference was from a recent Escrow shortage, but the phone system never told me any of this and I feel it was an attempted bait and switch.
I received a credit through XXXX on a hotel in XXXX which I booked for months ago and paid my visa bill in full for it. My recent visa bill shows XXXX due and a credit of {$990.00}. My bill is due on the XXXX of each month and I pay each month in FULL the entire bill. I have had this card for many years through XXXX Visa. I requested a refund for my credit on XX/XX/18 and was told it mailed out on XX/XX/18. I called re : the  check on XX/XX/18 and was told they were holding my refund against purchases made AFTER the closing date on which the payment is not due again until XX/XX/2018.I am current and my bill clearly states XXXX payment due until XX/XX/2018. In essence they are holding my money as a DEBIT card transaction instead of a CREDIT card where payment is not even due until XX/XX/XXXX. If my payment was late, I would be assessed interest and a late charge, but they can hold my credit in advance of any payment due and not pay me interest. I find this fraudulent, my credit card is being treated as a debit card and they REFUSE to send me a refund of my credit.
Rushcard locked my account because they said my card was compromised and claimed they sent and email which they did not and locked me off the Website. I have n't been able to get my money going on three weeks and the customer service is awful. They put you on hold for almost an hour and then youre disconnect only to have to start over again!! I 'm behind in bills because of Rushcard. I 'm being penalized for something they did on their end! I NEED my MONEY!!
I attempted to shop for a good rate for a car in XXXX of 2014. I went to one XXXX dealership and I received 9 hard inquiries on my credit report and my score dropped between XXXX points!. I applied for rental housing and was denied based on my credit. How can I get these inquiries immediately removed from my credit report?
This is a complaint against the CFPB. I filed a complaint with you over violations of the CARD Act of 2009 by Pentagon Federal Credit Union ( case no. XXXX ). Their entire response was only to claim they needed more time to " research '' the issue. A week later their " update '' was that they were still " researching '' : it. When I disputed that, your own response was simply to close my complaint. What kind of XXXX is this? Are you going to enforce the law or not? And if not, who do I need to contact in order to hold Penfed accountable? Or can they just get away indefinitely with violating federal law? You are a useless agency. Perhaps CFPB should be shut down. I think it is not unreasonable to expect some accountability from someone around here and so far I 'm not getting it. Is anyone there going to actually DO something about this or not? And do n't tell me to hire a lawyer. If I have to sue these people myself, then what exactly is your function?
On XX/XX/2018 I received an email from from Coinbase telling that my purchase for 1 ETH placed on XX/XX/2018 was reversed by my bank. This was in the amount of {$620.00}. This amount was deducted from my Coinbase account which left my account with a negative balance. I immediately paid this negative balance of {$620.00} to keep my account in good standing. I also called my bank ( XXXX XXXX  ) to ask why this reversal was initiated because I did not request a reversal. XXXX XXXX  told me they did not request a reversal and don't have any record of this request being made. I have yet to receive this reversal back to my XXXX XXXX  account even though it was deducted from my Coinbase account. 

This reversal caused my Coinbase account to be suspended. During this time I had 3 pending transactions going from my XXXX XXXX account to my Coinbase account. 1 in the amount of {$420.00} placed on XX/XX/18, 1 in the amount of {$420.00} placed on XX/XX/18, and 1 in the amount of {$500.00} placed on XX/XX/18. All 3 of these pending transactions were canceled by Coinbase. All this money was deducted from my XXXX XXXX  account. It was never returned to me. With each of these transactions I received an email from Coinbase stating that the money will be returned to my bank within 3-4 business days. It never was. Neither was the mysterious reversal for {$620.00}. There was another canceled pending transaction that was sent from my Credit Union not my XXXX XXXX   account that I did get back. That one was in the amount of {$1500.00}. I'm mentioning this one so the emails I've attached make sense. I don't have any issues with the {$1500.00} cancellation. It's been credited. 

I spent several hours between phone calls and detailed emails trying to explain my situation to Coinbase. Phone calls were escalated to a specialist. Then I would wait over a month to get a reply. When I did get a reply I was told to try calling again in 60 days. After 60 days I was told to call again in 30 days. Nobody would look into the problem and try to fix it. In the end I received an email telling me to file a claim with my bank. I contacted XXXX  XXXX  on XX/XX/18 to see if they can help me. I called today for an update from XXXX XXXX and their answer was they are still waiting on Coinbase to get back to them. This was on XX/XX/18. I have yet to see any of this money sent back to my XXXX XXXX account. I have detailed emails and bank statements that can easily back up my complaint. Coinbase owes me {$1900.00} and I don't know how to get this money back. I'm really hoping you can help me out. Thank you for any help with this.
I have contacted all 3 credit reporting agencies regarding a XXXX XXXX account financed through XXXX XXXX. This is not a duplicate! I have contacted XXXX XXXX on numerous occasions and have constantly been redirected by their customer service center. Below is a description of my complaint. The times purchased were from years ago and I resolved this matter with XXXX XXXX, please see notes below. I am standing on the fact that I bought used furniture and the store refused to take the furniture back. I asked the 3 credit reporting agencies to conduct an investigation into this matter as the store has not been able to assist me. 

I did receive a letter from XXXX stating this information is not reporting on my credit file, however, when I looked at my credit file again XXXX XXXX is still listed. 

In 2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.
I sold our home had a buyer Citimorgage could not get the amt of pay off correct I got an extension from my buyer they still could not come up with the correct amt even after I sent them copies of there paperwork, I was in chapter XXXX I went to the trustee and he release the house for me to sell in again then Citi sep in and foreclosed, i got an attorney to ask for them to give me 90 days to resell the house my broker sold it the first time in less than 20 showing and we had people still interested they said no and that was as far as I could get because I ran out of money for an attorney.went to court had n agreement which they have not kept and I have to be out XXXX XXXX my husband is XXXX and I am over XXXX I do n't know wwhat else to do then at the foreclose sales the number they had was different than they gave me and sold it for more.
I was a victim of battery, discrimination, and fraud by faculty at the University XXXX Oklahoma XXXX XXXX XXXX XXXX XXXX XXXX at the end of my XXXX year in 2015. Also, XXXX faculty member told me he would wrap me up in a blanket and beat me at some point in the future. According to my Federal Student Loan Master Promissory Notes all of my Federal Student Loans should be immediately discharged when I am a victim of a crime. 

Currently, the XXXX XXXX XXXX XXXX, Great Lakes XXXX XXXX XXXX, has given my XXXXCredit Bureau " bad '' information by saying I am late in making payments on Federal Student Loans. On another note, I can not get a job today, since I have been unemployed for over nine years, preparing to be XXXX in school, and do not have a XXXX to practice as a XXXX.
I was a customer with XXXX back around XXXX. Early Spring of XXXX I had a car wreck that resulted in my having to undergo XXXX. I contacted XXXX immediately and explained that I was n't going to be working for the next three months, they said we can hold your account until you get back to work. So, I had to ensure my bill was up to date with charges and paid for before they would do that and I did exactly what they said to do. When the three months passed and my doctor cleared me to return to work, I went back to Verizon around XX/XX/XXXX to restart my service and they told me that I did n't have an account with them and my old number which I currently do not remember had been given out as a pay as you go phone. This went on for 6 months of calling XXXX, going to stores, and even talking to corporate over this issue. All the while they kept stating that I did n't owe them any money which I asked them repeatedly and said that I will pay to get my service back because I liked it. Well, low and behold, starting around XX/XX/XXXX I started to receive collection calls about twice a week since and I have disputed this multiple times without ever getting a response from anyone. Now, Jefferson Capital Systems has this phantom collection account which they told me was still active even though XXXX has said repeatedly that I never had an account with them. So, XXXX and the other collection companies, which is now on the fourth collection team and they keep asking me for paperwork that I do n't have and XXXX has never proven I owe them any money wants me to pay {$1000.00}. Like I said previously, I have disputed this several times and gotten no response from anyone, Jefferson Capital even stated it showed it was in dispute, yet, they had info on this account either. This is now impacting my ability to obtain housing because this after not showing on my credit for almost 2 years all of a sudden a few days ago just shows up. I am trying to buy a house because my current place of residence is being sold and this is keeping me from being able to do so, I will not become homeless because of this.
I had a credit card with XXXX that was paid off and closed. At this present time the account is showing paid as agreed, but the credit status is Charged off. I had several investigation on this account but everything stayed the same.
I sent a {$300.00} payment in addition to the regularly scheduled payment {$410.00} on the student loan with Navient. I included a note with special instructions stating this {$300.00} was to be applied to principal only. Upon checking the account history, the {$300.00} was split {$110.00} to principal and {$180.00} to interest. This student loan was originated XX/XX/XXXX. I am trying to get the loan paid off. On XX/XX/XXXX I had submitted a {$4000.00} check with instructions for this money to go on unpaid interest and fees. Account history shows {$72.00} was applied to principal and {$3900.00} was applied to interest like instructed. Why are the special instructions not being followed? I am trying to get the loan paid off. 

Upon review of account history, the payments have alternating months when interest is greater than principal management.
My insurance and taxes are included in my monthly payment. They are refusing to pay the insurance premium from my escrow account. It's a rental and a fire policy only is required since liability is on my primary home which I pay.