WillisBack/dataset-financial-user-claim huggingface dataset:
I have been on the " Rate Reduction Program '' with Navient for the last three years I have been submitting my information to be considered for the program because it is based off of your income. I also have three co-signers who are not aware they have to provide their income because I am the one that has been paying the loan. They are not willing to submit their personal income information because they were not aware they would need to submit this when they co -signed for the loan. I spoke with Navient about this last week to lower my monthly payment from XXXX per month which I can not afford. They told me that they would need my co-signers to submit their income in order to be considered for a lower payment each month. I was willing to submit my own information but they stated my information would not be enough my co-signers would also have to submit their information. I have also been on the rate reduction payment and it does not seem my balance has been going down. I have asked to have my co-signers released however the representative told me that I would have to pay XXXX for 12 months with no late fees or delayed payments and even still they may not be released because it is based on credit. I can not seem to win or get out of the trap of Navient they have not been helpful. How can I get help with dealing with this company? Someone needs to do something about them there are several complaints about them and nothing is being done. WHY?
Synchrony Bank ( Formerly GE Capital Retail Bank ) I 've notice XXXX charge off accounts on my credit file so I have disputed the information with all three credit report agency and they came back verified. I Then contacted Synchrony Bank ( Formerly GE Capital Retail Bank ) and I spoke to a Customer Service Representative named XXXX XXXX she would n't provide me with an employee ID. XXXX XXXX informed me that these synchrony/GEBank accounts do n't have any information on them that it was all sent to a collection agency. How did they investigate these accounts with the credit report agents without any documentation?
I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.
In XX/XX/XXXX of last year I complained to the three reporting agencies [ XXXX XXXX, Equifax and XXXX ] that for a prolonged time they reported my balance on my XXXX  XXXX credit card as too high and therefore harming my credit score. After initiating a dispute they deleted the card from my file. Not at all what I wanted, I simply wanted accurate balances to be shown. XXXX XXXX and eventually XXXX  corrected the error and since XX/XX/XXXXhave been reporting the correct info. Equifax does not and continues despite repeated attempts still shows no credit card info. They deny the existence of my card. I have sent them copies of several months statements as well as a payment history for the past year to no avail. When the balance dispute began XX/XX/XXXX my score with them was around XXXX. It still is with XXXX XXXX but my Equifax score continues to decrease since according to them I have no card. XXXX XXXX has also helped to solve this incompetence and assures me they report to Equifax monthly as required. They at one time even gave me the dates they had reported but Equifax continues to unfairly besmirch my credit. This is now a real problem as I am trying to purchase a home and will be penalized heavily for their incompetence.
Dear CFPB, I contacted Bank of America to close out my health savings account on XXXX XXXX, 2015. Bank of America advised me that the account would be closed and I would receive a refund check for the funds that were in the account. I received a check from BOA in the amount of {$570.00}. On XXXX XXXX, 2015 I deposited the check BOA owed me to my XXXX bank account. On XXXX XXXX, 2015 to my horrific surprise BOA reversed the check causing my bank account to be overdrafed and causing financial harm. I contacted BOA directly to find out why they took my money on XXXX XXXX and the response I received was, " We are sorry the check was reversed, we have been advised by other consumers of the same issue and we are working to escalate to find out why this happened and will contact you the latest Friday XXXX XXXX. '' Not only was BOA not helpful, they did n't not return my funds. Due to their incompetence, I now have to pay a reverse checking fee and overdraft fee. This is unacceptable and unethical what BOA has done to me. I am a hard working single woman who should not be penalized due to BOA terrible mistake. The worst thing about the entire situation is that they could not tell me why they took my money they owe me. I hereby demand that the {$570.00} be returned to my account immediately along with the {$22.00} for reverse check and overdraft fee I now have to pay. BOA has not only violated UDAAP laws, they have also caused stress and financial issues on my part for what they did.
I have been a customer with Capital One for over 13 years. Recently I applied for a consolidation loan to get my interest down so I was able to pay off this card IN FULL. I had been in contact with them around the week of XX/XX/2018, letting them know that I would be paying the full amount of {$4500.00} at the beginning of XXXX and if it was possible to waive the {$25.00} late fee. The woman said that " it wasn't an option. '' However she did inform me that after the payment was received they would review the fee again. 
I paid them in full on XX/XX/XXXX. I called and again on XX/XX/XXXX and was told, " there's nothing i can do. '' Not only was I charged a late fee, but the interest was also applied at {$58.00}. 
I called again the same day asking to speak with someone else. The gentleman was nice but he couldn't do anything either, other than file my complaint. 
Now I have received a new statement for XXXX. When I only initially owed {$25.00} ( the late fee I was contesting ) my new statement has me owing a whopping {$61.00}. I was charged {$36.00} for {$25.00}?!?!?!?!?! 
I plan on calling and complaining again today. However, I doubt I'll see any action, since I never even received a confirmation email from Capital One from my previous complaint.
I was contacted by  MSB about  XXXX  violations ( pa rking m eter and street sweeping ) on    XX/XX/XXXX   a nd    XX/XX/XXXX  . I immediately followed up with the agency to let them know I was not the own of the car at that time at which point they directed me to their online dispute form. I followed their direction including provide proof of when I took over ownership of the car on  XX/XX/XXXX  .  I received a follow up email asking for further information which was then pro vided ( e mail attached ). Toda y,   XX/XX/XXXX ,  I  received another notice with " DEMAND FOR PAYMENT '' in the subject. They are clearly aware given our previous correspondence that I was not the owner of the car so they should try to contact the previous owner.
PennyMac loss draft department has routinely failed to make my insurance settlement FUNDS THAT I FOUGHT HARD TO GET A FAIR SETTLEMENT available to me to get my repairs done. When I call the loss draft department I speak with rude, loss draft department personnel with attitudes who drop calls and refuse to transfer me to management and instead place me on long hold times well over an hour in length without resolution. They are illegally holding MY MONEY for repairs.
I AM FILING A FORMAL COMPLAINT AGAINST XXXX XXXX XXXX WITH CITIBANK. SHE INFORMED ME THAT SHE IS NOW ASSIGNED TO MY CASE BECAUSE I FILED A COMPLAINT AGAINST CITIBANK. SHE IS MORE RUDE AND MORE SNIPPY. SO YOU FILE A COMPLAINT WITH A FEDERAL AGENCY TO PROTECT YOU AND CITIBANK SENDS YOU A PERSON TRAINED TO CRUSH YOU. 

I HAVE REQUESTED THE INTERNAL RECORDS TO SEE THE CARD ENDING IN XXXX THAT MAGICALLY BECOME XXXX AND CARD XXXX. XXXX CAN SEE THOSE RECORDS. SHE HAS INFORMED ME THAT SHE ALREADY SEES WHERE CITIBANK IS RIGHT AND I AM WRONG. 

I WILL ONLY BE RECEIVING " STATEMENTS '' IN XXXX WEEKS, ARRIVING AFTER SHE MAKES HER DECISION. 

THIS PROCESS IS TOTALLY UNILATERAL. CITIBANK IS IN FULL CONTROL.
This account has been pass from one collection agency to another XXXX just I got me that you are the owner of this account
I deposited 2 USPS money orders totaling {$1100.00} on XX/XX/XXXX at an ATM.

Now I get this notice of a hold : Deposit Hold {$1000.00} Total amount delayed, available XX/XX/XXXX at XXXX XXXX PT I thought USPS money orders were supposed to be available funds after 2 business days? Why is there a 10 day hold?
I have a supposed cashed check with Capital One for XXXX I did not write this check. They have not been able to provide me with a copy of this check. They have also charged me multiple times over and over for XXXX charges that were not mine. I disputed charges against XXXX XXXX XXXX XXXX XXXX in XXXX, CT  since they misdiagnosed my puppy and she died. I have submitted a letter from my current vet showing that she was misdiagnosed. it cost me an additional XXXX to try to save my puppy who died after emergency XXXX. STAY AWAY FROM CAPITAL ONE!
I have filed 2 complaints against this company they was never even reporting this debt to major credit bureaus until I recently filed 2 CFPB complaints this company is trying everything they can to hurt my credit and in retaliation of my recent complaints they report the XXXX XXXX XXXX then it was taken off my credit report and put back on in violation of the F.C.R.A this company is also being reported for investigation by the Missouri Attorney Generals office for retaliation against me i dispute this debt it's taken off my report then Mid America Accounts Control Bureau vindictive conduct against me is pure retaliation and needs to be investigated
Navient purchased my loan and since they have taken over my loan my interest rate has steadily increased causing my monthly payment to go out. I have kept making payments and tried to call and get answers as to why I have received so many increases I received no answer from the customer service agents and just more frustration due to their " help line ''.
Synchrony Bank performed an unauthorized unfreezing of my account and allowed miniscule money to be deposited to settle a claim regarding over charge & double charge nonetheless invoice fraud & potential fraud. 
Total initially charged 10min apart bills= ( 1 ) $ XXXX+ ( 2 ) {$770.00} = {$1900.00} Unauthorized deposit= {$200.00} Dispute was never settled. 

I ordered : Queen bed= {$650.00} Dresser & night stand= {$400.00} Deliver & tax= {$1200.00}
On XX/XX/2018 I instructed verbally and in writing Attorney XXXX NOT to use my CREDIT CARD. He used it anyway. I request a REFUND on my XXXX card.
The escrow for property taxes was not included in my XX/XX/XXXX payment because I do not owe any taxes for the year XX/XX/XXXX-XX/XX/XXXX. They have already been paid by the State of California as the XXXX XXXX customer service people have been notified of multiple times. A fully paid receipt by XXXX County is attached.
We would like to request your help in contacting Bank of America or XXXX XXXX XXXX in our behalf. Regarding our second mortgage that we believe we were eligible to be part of the EXTINGUISHMENT Bank of America 's program. 
Bank of America was aware of our financial struggle since the recession.XXXX mortgages were held by them and they tried many times to foreclose the XXXX mortgage on us. We had to stop it by filling for bankruptcy. At some point we thought they were eliminated the XXXX mortgage. Because they were increasing the XXXX mortgage before the loan modification with XXXX. We did n't receive any bills for the second either in our credit report, instead It is a " Secured Deed '' with Scrupulous XXXX. Enclosed is an attachment. Account # XXXX
Citibank offered a cash promotion on XX/XX/2018 if a Citi Priority Dividend checking account was opened with a minimum deposit of {$50000.00} and the money was to remain in the account for 3 months ( 90 days ). I opened XX/XX/2018, funded the account with {$50000.00} and left it for four months. I called and was told I would receive the $ 300.00+ in XX/XX/XXXX. I called again and was told I would receive it by XX/XX/XXXX. I have recently received a letter which states I did not qualify. This is absolutely not true.

I took advantage of their online off and this money sat with Citibank for over 4 months earning no interest. I moved my money to another institution and they converted my account to a no fee checking account.

The letter I am attaching is not the offer I accepted.
I attended XXXX in XXXX va from XX/XX/XXXX until XX/XX/XXXX when I graduated with an XXXX in XXXX XXXX. During my time there I was told that all of my student loans were taken care of through federal loans or tc temporary school credit which I would pay back. When I graduated I was told my loans took care of all my debt and I did n't owe anything. Well ive been getting notices from XXXX for the past 3 years and they all said account balance {$0.00}. Today I received a notice from XXXX saying that I owed {$29000.00} for a loan and I was {$11000.00} past due with a payment of {$370.00} a month. I am unaware of this loan being that all my federal loans are together and add up to {$40000.00}. I did n't take these loans out to my knowledge and believe I was tricked or lied to about how my tuition was paid. I would like to be part of the lawsuit against XXXX for predatory practices.
OMB #  XXXX  had been addressed with  XXXX   XXXX   XXXX .  Loan Number   XXXX .     Since then we have worked diligently to have their internal record s ( incl uding our statements ) reflect the correct information, to no avail. We also inquired about paying off the loan.     With no prior correspondence or discussion we received foreclosure notification in the amount of {$390000.00}. Please note the previous case with the  XXXX   XXXX   XXXX  proved  XXXX  had previous knowledge of the information and proposed to internally resolve the discrepancies.     Although the connection between  XXXX  and AIMP Management is not clear, it appears AIMP has been engaged and is responding to inquiries. I also checked the internet site and found the same P.O. Box address.      XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX , CA  XXXX  PH :  XXXX  ( direct ) FX :  XXXX   XXXX  In addition to the prior discrepancy there are now issues regarding the correct amount paid for property taxes. Although we 've provided the official  XXXX   City and County re cords which clearly represent payment from us, AIMP is claiming  XXXX  pai d them.Their  evidence are  XXXX  checks  1 )  Check number  XXXX  {$20000.00} made payable to  XXXX  County but cashed by the  XXXX   XXXX   XXXX   (  the City  and County  bank with  XXXX   XXXX    XXXX    ). 2 ) C heck number  XXXX  {$6200.00} made payable to  the City Treasurer. T his was also cashed at the  XXXX   XXXX   XXXX .     In both instances the unique stamp employed by  the City and County were n ot present nor do their records indicate receiving them.     That was the outline of events. What I would like to convey is we have no idea what role AMIP Management has in this proceeding. We also dispute the checks were used as they are claimed to be. As previously demonstrated in our past dealings through the  Consumer Protection Agency  there seems to be ongoing administration to our mortgage.
I keep getting called to collect on a debt from a person who had my number previously. They keep trying to collect on the same 2 credit card debts. The company claims they are called Client Services. Can be reached at XXXX XXXX
XXXX XXXX sent my credit information to various banks without my consent giving me more than 1 hard inquiry like they stated i would receive. They kept on sending out my credit report a day after i had already turned down their offer. 
XXXX XXXX XXXX, 2017 Ally Financial XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017
I have send letters to Experian on XX/XX/2017 to remove this bankruptcy that they claim its mine and also a XXXX account. Experian claims they have verified and say the accounts are mine. I send a letter certified to the XXXX XXXX XXXX XXXX XXXX that claim I have a bankruptcy with them. They responded with a letter stating that the United states Bankruptcy court for the XXXX XXXX XXXX XXXX does not report individual bankruptcy case filing data to credit reporting agencies, nor do the update information directly to the credit bureaus. I am attaching both letter for documentation on this. I also have contacted XXXX XXXX through a certified asking for verification on this account the claim I owe. They never responded. Its up to Experian to show me proof of the validation of the account. Its been 6 months and it is clearly a violation of Section 611 ( 5 ) ( A ) and show continue blatant disregard for Federal Law. I have asked them to give me the name of the person in there company who verified the accuracy of these accounts, but they ignored this request as well is another violation of Federal Law. I have asked them under Section 611 ( 5 ) ( A ) of the FCRA to promptly Delete all information which can not be verified. Experian claims that have a certified paperwork that the bankruptcy is mine. It is noted in the attachment I am sending you. I want to see the copy of it.
I've contacted ENHANCED RECOVERY COMPANY multiple times and have sent them a certified letter to try to get information about an item for {$370.00} from XXXX XXXX XXXX   they are trying to collect from me which I have no idea what it is or whom it's about. They submitted information back to the credit reporting agency and said that the item was validated but doesn't explain how it was. I don't know what this account is for nor whom it belongs to as I've had another service for the entire time I've lived at my place and not XXXX XXXX XXXX.
I discovered that I was the victim of identity theft on XX/XX/2015, most likely due to the XXXX breach. I immediately placed a fraud alert on my credit reports and called the creditors. I also requested copies of my credit reports from the XXXX CRAs. I filed a police report on XX/XX/2015, as well as an FTC Complaint. 

I mailed a letter on XX/XX/2015 to Equifax, detailing the information on my credit report that was due to identity theft. This included: XXXX revolving accounts/credit cards that were not mine, XXXX inquiries that were not mine and that I did not authorize, and an address that was not mine. I based this letter off of the FTC guidelines and included the following as enclosures: the police report, the FTC Identity Theft Affidavit, proof of identity, my credit report identifying the information to be corrected/blocked, and a copy of FATCA 15 U.S.C. 1681c-2. I requested that the fraudulent/incorrect information be blocked with XXXX business days, in accordance with FACTA. 

I mailed the letter to Equifax certified mail, return receipt requested, on XX/XX/2015 It was signed for on XX/XX/2015, according to the return receipt. On XX/XX/2015, I received an automated email from Equifax, stating that my reinvestigation was started and that it could take up to XXXX days to complete. I checked my credit report on XX/XX/2015, and found that all of the fraudulent/incorrect information was still being reported. I called Equifax that day and was transferred many times before being connected to the fraud department. I explained that this was not a regular FCRA dispute, but a FACTA dispute resulting from identity theft. I cited FACTA 15 U.S.C. 1681c-2 and stated that the information should have already been blocked, as it was governed by a XXXX day timeline, not a XXXX day timeline. I was told that they were waiting on a response from the creditors. I explained that this was their responsibility, not the creditors, and that it had to be blocked while they investigated. However, the Equifax representative repeatedly said there was nothing they could do at this time and offered me the address to their legal dept. 

As of this date, XX/XX/2015, the items continue to be reported on my Equifax credit report, 16 days and 12 business days after receiving notification. I am in need of a new car, but I cannot apply for an auto loan with these fraudulent accounts and inquiries on my credit report.
Dear sir/madam, as I was going through my credit report on EQUIFAX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00} This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number EQUIFAX kept saying the investigation stated that the account was mine.
There is a BK that Transunion is reporting on my credit file. When someone stole my identity they got home loans, credit cards, etc. I have never filed for BK. I attached the police report and Transunion refuses to remove this from my credit report. They are refusing to use the police report that I sent.
I went to XXXX XXXX XXXX XXXX and XXXX with student loans in mind. I transferred my credits from a previous college, I did n't think I would have an issue. I also receive several school scholarships, I paid monthly payments out of my pocket during the semesters as well. feel like the school misleads students in order to keep the retention low. I was never informed that I would have a {$20000.00} plus loan debt after graduating. I feel like they pressured me to sign loan papers in order to stay in school. I would n't have finished the program if I knew the loan amounts. The degree has not opened up any opportunities, I did not receive any internships or mentor-ship. The school and its staff have changed and relocated. I am left with debt and no direction, I am working a job not in my field to try to repay loans. I honestly do n't feel I 'm responsible for.