WillisBack/dataset-financial-user-claim huggingface dataset:
We were notified through a general notice sent by postal mail from Santander Bank that starting in XXXX, we would be charged a {$3.00} paper statement fee starting XXXX XXXX, 2017. This fee will be charged on the first business day following the statement period date. To avoid this fee, we will need to turn off paper statements through Online Banking and to do so individually for each account. The letter acknowledges that the change is easier for some than others and that this is being done for environmental reasons. We have contacted bank representatives at local branches and by phone several times indicating that this is an inconvenience for us and makes it difficult to review charges ( allowing the possibility of additional fees to go unnoticed ). We also noted the equity and access issues, particularly for individuals who do not have easy internet access. Each representative and supervisor categorically stated that they could not override the paper statement fee at an individual level. I understand that this fee applies only to our personal account, and not the business ones which shows inconsistency between accounts. It is my understanding by reviewing relevant online guidelines and reaching out to several state and federal agencies that national banks are required to provide periodic statements if electronic fund transfers can be made to or from the checking, savings, money market, or NOW account. We are concerned that the paper statement service fee represents a potentially deceptive, unfair, and inequitable banking practice and that such a charge violates our rights as consumers. We would like this issue to be investigated not only for our family as account holders, but for all account holders who may prefer to maintain paper statements at no additional fee.
I had {$420.00} taken off my prepaid Bluebird American Express that I did not authorize. The account has been closed and the fraud department said they could not determine fraud was committed on my account. They have no proof that I authorized these purchases because it was done online and I did not purchase the items in question.
Amsher Collections Services contacted me several times about a debt that was owed. I explained to them that i would need more time. Several weeks has passed and the same collection agency contacted my Job to collect the same date. After i explained to the agent that this was not right, agent continued to call days after. The acount was open on XX/XX/2017 2017
I sent XXXX XXXX XXXX a validation letter on XX/XX/XXXX to validate my account. They did not validate my account whatsoever they sent me a statement of XXXX which is not a validation of my account. I asked for them to remove the account from off my credit report because of the vet they could not validated they still did not remove the account off my credit report due to non validation.
On XX/XX/XXXX i checked my XXXX score and noticed two hard inquirys i did not authorize nor did i try to open accounts. One is from XXXX XXXX XXXX in XXXX ma and the other is chase card. XXXX XXXX XXXX pulled my credit on XX/XX/2017. I have contacted both the owner and experian to get this removed. It has been a back and forth thing. When i asked the dealership to prove i authorized him to pull my credit he stated he does not keep records and applications that far back. Experian said i could not file a hard inquiry dispute with them and that the owner would have to send a letter to get it removed. I then called the owner back and he said he would not give a letter or talk to experian on my behalf. I then wrote a letter to the experian to investigate this hard inquiry. I called experian back and they said to contact the ftc and they can investigate because they arent authorized to investigate hard inquirys. I tried to call chase card but i could not get in contact. They pulled my credit on XX/XX/2017.
My complaint is about TeleChek. I had occasion to visit my local urgent care clinic and since I had left my purse at a local restaurant I grabbed an old checkbook out of a drawer. When the bank notified me of my mistake I went back to the urgent care clinic and wrote them another check. I later learned that TeleChek was refusing to authorize my check and was told to contact them. When I told them what happened they demanded {$30.00} before they would authorize any more checks and also collected ( again ) the fee for the urgent care center, which I had already paid to the urgent care center. I tried to explain but was told either I pay or I can never cash another check again. When I asked for a supervisor I was told non available. I wrote telecheck and complained, asked what government agency was responsible for them and they told me the wrong agency. I finally found out the right agency, wrote to them, no answer. I feel like I have been blackmailed. I never contracted with Telechek. They are not my bank. I do n't understand what right they have to fine me for making a mistake except that they have the power to deny me ever being able to cash another check. Thanks for listening.
I am requesting the removal of a disputed item per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ). 
This item ( confirmation # XXXX ) was originally disputed on XXXX/XXXX/XXXX. 

I called to notify Equifax of the fact that the dispute was still not closed on XXXX/XXXX/XXXX. It has been a YEAR and I did n't receive a response. My confirmation number for that complaint is XXXX. 
As of XXXX/XXXX/XXXX the dispute was still being listed as under investigation.
I initiated a transfer of XXXX to XXXX ( XXXX with fees charged to my credit card ) with Western Union. Transfer number XXXX. The transaction was put on hold by the Compliance Department at Western Union and they sent an email asking for a copy of a valid government ID and other personally Identifier information. I refused to provide this information becase western Union did not provide a secure way to send them this information. I think it is irresponsible from Western Union to ask for sensitive information via email, without an encrypted channel to protect that information. For that reason, I requested the transaction to be cancelled, but they are saying that they will only cancel it if I send them the documentation they have requested. Bottom line, Western Union is negligent and irresponsible, and their procedures do not make sense. They are risking their clients data by asking for sensitive information and not providing a secure channel to send that information. It seems that the information security department at Western Union is non existent or completely incompetent. I need my money to be refunded to my account without having to expose my information
Since XX/XX/XXXX, Navient has failed to abide by the ACH payment arrangements that I have scheduled on numerous phone calls with its representatives. The company has repeatedly failed to draft these payments, drafted payments on dates which I had not consented to, failed to reset the payment schedule after account changes ( e.g. debit card replacement ), and abide by what I was told by customer service representatives in terms of payment schedules and impacts to my credit.

I have also requested written correspondence with the company instead of phone calls, and told the company that they may no longer attempt to contact me via telephone. These requests were not honored.

Most recently, after the theft of my Navient-linked debit card in XX/XX/XXXX, I contacted Navient to provide the replacement card. I was told, after almost twenty minutes on the call, that my account was in good standing. I explained that it could not be, and then I was put on hold, and then disconnected. Too many calls to this company end in such a manner ; they are time-prohibitive and do not tend to accomplish the goal. I placed a second and third call, and was told that I needed to monitor my account, and then call back. I placed a fourth call and made a payment on XX/XX/XXXX, of XXXX. I was told that I was behind by one payment, and that I should make it as soon as possible, but that my payment schedule would now resume. No further automatic payments were applied. on XX/XX/XXXX, the representative also told me that my payment would bring my account current and prevent my credit from being negatively impacted. Within a few days my accounts were reported as delinquent to the credit bureaus, however. 

On XX/XX/XXXX, I wrote an email to the Navient customer advocate office regarding the most recent issues that I have described. I received an automated confirmation, but no response to this message. 

I have six accounts with Navient. Most of them carry a principal balance greater than my original disbursement. We have made almost {$67000.00} in payments. Our accounts must maintain a competitive interest rate to potentially be satisfied in the future. Navient representatives have stated to me that a diminished interest rate depends entirely on these scheduled bank drafts, which the company has failed to execute.
Equifax was hacked and I just learned of the potential impact to my credit. I have worked very hard to build out my life and current situation to be where it is. They are only offering free enrollment for their monitoring program but I find their delay in delivering information unacceptable and also the way in which someone could have a field day being me. The potential impact is my detailed information which is enough for some hacker to steal my identity with my birthdate, ss number, drivers license number and then some. This is completely unacceptable. I want them to be formally investigated for failure to secure personal data. I work for a bank where we would be fined and written up for such an incident. I hope that your team does what it was designed to do and goes after this. UNACCEPTABLE breach and honestly if I am a victim I will sue them to no end. It is their job to secure and protect themselves from this type of incident. 143 million people may be a victim. I am a hardworking American and I would sincerely expect you do to something on this.
There ar e two n ew items appearing on my credit report that have refused to do a federal consumer item verify. The items are years ago and the company 's are not able to verify or refuse to acknowledge the identity theft on my credit report.     AI would like to have these items removed from all credit reporting agencies due to the refusal of the institution to provide adequate infomation : ite m 1. Ac count  # 1 { $750.00} Balance  XXXX   XXXX  Original Creditor {$750.00} High Balance  XX/XX/XXXX  Opened Date  XX/XX/XXXX  Last Reported Individual Account.    Responsibility Medic  al  Remarks irem  2. A ccount  # 2 { $64.00} Balance  XXXX   XXXX  Original Creditor {$64.00} High Balanc ee   XX/XX/XXXX   Opened Date    XX/XX/XXXX    Last Reported Individual Account.   Responsibility Medical Remarks Note
I contacted Navient requesting an updated amount left on the loan and future schedule for all payments and when the loan will be fully paid off.     I received an answer on  XXXX   XXXX  at  XXXX   XXXX  : Our records confirm your balance is {$28000.00} as of the date of this email.     Because the monthly payment amount fluctuates as the variable interest rate of your loan changes, the amortization of your loan will also change, rendering the previous information inaccurate. In addition, the application of payments to principal and interest is not predetermined. This means that since interest accrues daily on the unpaid balance, the number of days between payments determines the amount applied to interest from each payment. For this reason, we do not provide amortization schedules.  ( My  interest rate has been 12.5 % for over 2 years now and it has not fluctuated up or down ).     I also asked if I could pay a lump sum of {$10000.00} toward my principle of the  Private Student Loan to possibly lower my mo nthly payment and find out what the amount would be left on the loan.     I received an answer on  XXXX   XXXX  saying : As your loan is enrolled in  Auto  Pay, your payment will not pay your loan ahead and the loan will remain due for payments each month. Your loan follows a re-disclosure schedule, and your payment will be reduced automatically during this process to a lower payment, which will pay your loan in full using the same maturity date.     Your payments follow a standard payment application, in accordance with your promissory note. Payments will usually be applied first to outstanding interest, than to outstanding fees, if necessary, and the remainder to principal. If there is a significant amount of accrued interest, from a deferment or forbearance, the majority of your payment be applied to interest each month. Unfortunately, we are unable to provide a balance left on the loan due to the application between principal and interest. ( Why ca n't they give me this information? I would reduce the principal by {$10000.00} and then they can give me an updated payment and schedule. I know they are pushing this off so the service company "  Navient  '' would make more money over the time.     Any help would be much appreciated.
I have been disputing with the Credit Bureaus the amount of a repossessed car I purchased with HONDA beginning in XX/XX/XXXX-XX/XX/XXXX. The purchase of the car was XXXX with a mandatory warranty, that i could not deny or remove from my loan. My payment was XXXX monthly. I was let go from my company in XX/XX/XXXX, and I kept up with my payments until I could not any more. I made last payment of XXXX on XX/XX/XXXX. My car was repossessed XX/XX/XXXX. The amount I had left on the loan was XXXX. I never received notice of sale nor did i receive an updated amount that i owe after the sale of the car. My credit report states that i owe XXXX. I need assistance please
Equifax and XXXX continue to report public record items their public records vendor has clearly stopped reporting ( see attached ). Equifax and XXXX are in violation of FCRA regulations ...
FYI, there not much of a selection for the specific issue of this misrepresented matter so therefore I went with the best possible selection by selecting there should be no response to lawsuit. 

I settled a debt XXXX/XXXX/2014. The settled in full letter provided Is not sufficient according to the credit bureaus. The credit bureaus will not acknowledge the letter due to the debt collector being a third party who is representing another third party and the letter lists the original creditor as well as the full original account number. I told the collection agency, XXXX XXXX XXXX, the credit bureaus is not accepting their letter. XXXX consistent response was we never have this issue and we send letters all the time and there is no issue having the credit bureaus being updated. I 'm having an issue an no one is wanting to help. Do not tell consumers a letter proving the debt has been resolved will suffice. Very misleading and is a violation of the fdcpa. If I am telling this business the letter is not working they should make an effort to resolve the issue such as contacting the debt purchaser, who will not answer the phone, to resolve the issue. I also tried contacting the original creditor and I ca n't get any confirmation of this debt was even place with this agency and the fact XXXX is not willing to contact the bureaus or help rectify the issue is a red flag.
My credit is Frozen because of an OPM data breach in 2015. I called TransUnion and attempted to get a copy of my credit report and update errors I had seen earlier. After, about 20 minutes on the phone I was told there was not enough information in my file to verify me so I would have to do it in writing. I went online and tried to access my report after collecting a lot of my information I was told I would have to call in. I called the toll free annual credit report number and they mailed me a copy which verify my concerns of errors in my report. The generic letter and copy of my report gives me no method in correcting my report but to go online and this site. TransUnion has made it impossible for me to correct my report because I don't use credit and haven't it seems be a sort of punishment ...
On XX/XX/XXXX, Bank of America process a mortgage payment without my consent or permission. I called and spoken to at least 5 Customer service representatives requesting the payment to be reverse. they agreed to reverse it. They then sent me an Affidavit form to complete and I did immediately On XX/XX/XXXX They charged my checking account $ XXXX.No warning, no communication. This is despite the fact they knew I had no fund available to cover it any charges. As a result, I ended up with so many unpaid transactions to my creditors ( via  Automatic bill pay ) i ended up with so many fees from both my bank for insufficient fund and from my creditors.Some of my creditors rush in decreasing my available line of credit and my credit report has suffered tremendously. 
Bank of America has acted illegitimately, unfairly and wilfully to place my account in a very absurd and negative rating.
M & T Bank and XXXX Bank NA did a fraudulent foreclosure on my homestead home. I 'm the person who is name is on the note & mortgage that these XXXX Banks presented to the court. My original complaint was to XXXX, case # XXXX, but XXXX 's response is that they had transfer the loan to M & T bank, but the only name on the plaintiff is XXXX. These XXXX banks have put a cloud over my deed and foreclose on my with out bringing me in the case, this is fraud. Because a bad loan modification that XXXX did & denied in court that it happened.
I PULLED MY CREDIT REPORT AND FOUND AN OLD CREDIT CARD ACCOUNT THAT I HAD OVERLOOKED AND IT WAS STILL ACTIVE. I DID NOT UPDATE MY INFORMATION WITH THE COMPANY BEFORE I XXXX, SO MY MILITARY STAR CARD STATEMENTS ARE STILL BEING SENT TO A THREE YEAR OLD ADDRESS. THEY SAID THAT THE LAST TRANSACTION THAT I MADE WAS IN IN XXXX OF 2015. ACCORDING TO THE COMPANY, THEY CAN NOT UPDATE THE ADDRESS WITHOUT MY CONSENT, EVEN THOUGH THEY CAN SEE MY UPDATED INFORMATION IN DEERS. I HAVE SUBMITTED MULTIPLE ADDRESS CHANGES THROUGH THE USPS, BUT THE COMPANY CLAIMS THAT THOSE CHANGES ONLY LAST FOR 6 MONTHS. THEY DID NOT SAY THEY HAVE RECEIVED ANY RETURNED MAIL, EVEN THOUGH I HAVE SUBMITTED MULTIPLE ADDRESS CHANGES THROUGH THE USPS SINCE 2015. THEY DID NOT CLOSE OR CHARGE OFF THE ACCOUNT AND IT IS STILL ACCRUING FEES ( LATE FEES, ACH-DECLINE PENALTIES, ETC. ) I CALLED THEM TO ASK FOR STATEMENTS AND TO UPDATE MY ADDRESS. 
I CAN NOT RETRIEVE STATEMENTS ONLINE SINCE I DO NOT HAVE THE CARD NUMBER AND THEY DO NOT KNOW WHEN MY REQUEST TO RECEIVE MAILED STATEMENT COPIES WILL BE PROCESSED. THEY REFUSE TO EMAIL ANY INFORMATION TO ME. THEY ARE WILLING TO GIVE ME THE BALANCE AND ACCEPT PAYMENT BUT I DID NOT WANT TO PAY SOMETHING OFF WITHOUT SEEING A STATEMENT.
beginning in the month of XX/XX/2018 Department of Nelnet placed a remark on all 9 of my student loan accounts as " payment deferred '' which has negatively affected my three credit reports. my credit score has went down 10-30 points across all three credit bureaus. Before XX/XX/2018 there were no remarks on my student loan accounts and how they were reporting then were not affecting my score im asking that all the remarks be removed from all 9 student loan accounts as it is making it hard for me to apply for credit.
In XX/XX/XXXX I received notice that full payment was due on my home equity line in the amount of {$9300.00} principal balance plus {$140.00} accrued interest. In XX/XX/XXXX I received a second notice for a larger amount of {$11000.00}. I spoke with a Specialized Loan Servicing, LLC representative named XXXX regarding a rapid payoff schedule, and questioned the new payoff amount. XXXX ordered a new payoff amount be sent to me and said the payoff schedule I proposed would likely be approved and the new charges could be reduced. Instead, in XX/XX/XXXX I received another payoff amount, this time increased to {$12000.00}. I am prepared to pay {$5000.00} toward a reasonable, fair, and honest payoff amount immediately and the remaining balance off by late XX/XX/XXXX.

Specialized Loan Servicing has refused to sent monthly or even quarterly statements for years and they ca n't explain the amounts due when I call for the info. I repeatedly requested statements and needed them during a health crisis because a family member was helping keep track of monthly bills.
I saw a promotion for XXXX Thank You points for a brand new Citibank checking account. I went to the bank and confirmed if opening a new account would get me the points. They said, yes, a new account would get me the points. I was already an existing customer of Citibank so I wanted to be sure before signing up for another account. <P/>Anyway, within 3 months of account opening, I met the terms, kept the minimum balance and did the deposits and payments that were required to get the points. I followed up with Citibank asking when my points would post. I have confirmation email and messages from Citibank saying this would happen in 4-6 weeks. So I waited. <P/>I contacted them again in 4-6 weeks and was told that since I was an existing customer, I would not be getting the points. I mentioned to them that I was targeted for the offer and I also had written confirmation from them. They said the last agent was wrong and I would n't be getting the points. <P/>I kept trying for a few points and then gave up. And finally now, I am filing the complaint.
I continue to make an additional loan payment each month. I direct the payment to be applied to my smallest balance loan but Navient continues to post the payment to both loans XXXX which are consolidated ) which in turn applies more of my extra payment to interest. Due date is the XXXX of each month. 
XX/XX/18 extra pmt of {$80.00}. Applied correctly {$77.00} principal and {$2.00} interest. 
XX/XX/18 extra pmt of {$80.00}. Applied incorrectly {$48.00} principal and {$31.00} interest. 
XX/XX/18 Contacted Navient by phone. They stated they would correct the payment posting. It appears they re-applied {$10.00} to the principal but this isn't correct. Now {$59.00} principal and {$20.00} interest. Daily interest is {$1.00}. XXXX days of interest would be {$4.00} not {$20.00}. 
XX/XX/18 extra pmt of {$80.00}. Applied incorrectly again. {$48.00} principal and {$31.00} interest. 
XX/XX/18 I emailed Navient requesting they re-apply both payments correctly. 

I would like to make extra payments each month and have them applied as directed without having to call and wait on hold for an extended period of time trying to get the payment posted correctly, to no avail.
I opened a checking account with XXXX in XXXX XXXX. The checking account had a promotion that if I met certain requirements I would receive XXXX XXXX miles. In XXXX XXXX I met those requirements. I inquired about the bonus and they told me it should post within 90 days of meeting the requirements. After 90 days I had still seen or heard nothing. I called Citigold the XX/XX/XXXX to inquire. They told me the points should post by the end of XXXX. On XXXX XXXX, I called to inquire and was told a formal investigation needed to be filed since the points had not been deposited to my account and that they should 've done that during my first call in XXXX. Almost a month later, I called today and the investigation is still pending ( it can take up to 120 days ) and they can give me no further information. XXXX has confirmed with me every step of the way that I have done everything I need to. Since the 90 day window of meeting the requirements has passed, they have charged me XXXX {$30.00} account service fees. They have objected to refunding my account fees and will continue to charge me until this issue is resolved.