WillisBack/dataset-financial-user-claim huggingface dataset:
I called navient on XX/XX/XXXX to put a check on file for the balance to be paid XX/XX/XXXX, navient ran the payment on the XXXX and I got a XXXX   dollar bank fee and had a XXXX  dollar bill and XXXX expense that now went into my line of credit through my bank. I called navient on XX/XX/XXXX to make them aware of unauthorized payment, I sent over bank statement to prove charges. I called navient XX/XX/XXXX gave my account info for a refund of XXXX but instead navient ran a payment again for the full balance on my account which made another bank fee. I have spoke to several representatives and get something different every time, navient doesn't want to reimbursed me for 3-5 days. so onXX/XX/XXXXwhen I call to pay my balance off it's showing I don't owe anything.
I logged in into my Citibank account on XX/XX/2018, in attempt to pay my monthly payment before the due date ends. However, my attempt to pay the monthly payment was prevented due to a server error in the processing. I tried to make the payment again, five minutes later, but was unable to due to the same error. I did not tried a third time, in fear that it might locked my account. I repeated the same thing on XX/XX/XXXX and on XX/XX/XXXX, and the results were still the same ; my payment was prevented due to a server error. The issue was resolved today, XX/XX/XXXX, in which, the error did not occur. Since it was after the due date, I was charged {$35.00} due to having a late payment, which was not my error, but Citibank 's. I have a photo of the error, if you guys need it. Thank you.
I signed up for Chase XXXX XXXX in response to an advertisement indicating XXXX points on XXXX XXXX ' frequent flyer program if I spend {$2000.00} within 2 months. However, i never received that XXXX points. when i called Chase to inquire about my point status, they told me it takes 3-4 months to update in the system. So I called back a month later ; Chase told me that my account actually was n't set up to receive that offer but instead it was {$200.00} credit and XXXX points, which was COMPLETELY DIFFERENT FROM THE TERMS OF THE DEAL I SIGNED UP FOR. Chase also told me that since i called back later than the 3 month time period, they ca n't change it back to the offer that I agreed to. THIS IS FRAUD. THIS IS PURE DECEIT. 

I have estimated the monetary value of this fraud. They cheated me out of XXXX XXXX XXXX point. The cost of a XXXX round trip XXXX miles, which costs about {$150.00} as a regular ticket. The XXXX miles they CHEATED me out of corresponds to about XXXX such round trips, which has a monetary value of {$1200.00}. I am absolutely livid and furious with their FRAUD AND THIEVING DECEIT.
I 've had issues with XXXX XXXX XXXX. They purchase old debts threaten to sue you and collect on old debts. My wife and I had given this company money on old debts that I feel they did n't have a right to collect. Anyway now they have their last frutal attempt to collect a debt that is beyond the statue of limitations in my state. They are not the original creditor and it seems they are re-aging the debt so it stays on my credit report longer than necessary. I would like this removed from my credit report and the company punished for being unscrupulous.
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, Experian and XXXX are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, Experian and XXXX reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus.

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.
Made transfers to this prepaid card and when I tried to use the card I was declined by " not authorized '' my access to the online/mobile app has been restricted and the company makes the funds on the account unaccessible to me.
On XX/XX/2019 Diversified Consultants reported falsely on my credit reports i owe them a debt of {$1200.00}, i asked for written prof with my signiture on it that i entered into a contract with them for any services, they may have provided to me it's been more than 60 days and they havent provided any such documents.
ON XX/XX/XXXX I MAILED A GOOD WILL LETTER TO ALL THREE CREDIT REPORTING AGENCIES, XXXX. EXPERIAN AND XXXX XXXX ABOUT MY BANKRUPTCY FILING OF A CHAPTER XXXX ON XX/XX/XXXX. THIS BANKRUPTCY WILL BE XXXX YEARS OLD IN XX/XX/XXXX. I WAS NOTIFYING THEM TO GET A RESPONSE ABOUT THIS MATTER BECAUSE I RECENTLY TRIED TO GET A INCREASE ON MY CREDIT CARD AND WAS DENIED BASED ON THAT BANKRUPTCY STATUS. I WANT TO KNOW WAS DO THAT HAVE TO HOLD THIS AGAINST ME AND THIS IS XX/XX/XXXX.
To Whom It  May Con cern, I am writing you in regards to late payments on my credit reports (  XXXX ,  XXXX , and  XXXX   ) for  my  XXXX   XXXX  account.     I understand how important it is to make timely payments, and that failure to do so can create inconvenience for you. However, I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearances, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past couple of years, I have experienced job loss, loss of a child, and an eviction. In the last year, I have achieved job stability in which I am truly confident that I will not miss any payments. I have taken steps to ensure my financial responsibility moving forward. I recently entered into an income based repayment plan, but my credit report still shows student loans with late payment statuses.     As a courtesy, I am requesting that Navient make a goodwill adjustment and remove the late payments for the following loans ; so that  I may q ualify for a USDA home loan. I understand that I am requesting a lot from you, but please know that any consideration would be a blessing.      XXXX   5  Late Payment s  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  and   XX/XX/XXXX     XX/XX/XXXX     XXXX    5 L ate Payments   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  and   XX/XX/XXXX     XX/XX/XXXX    XXXX   5 Late  Payment s  XX/XX/XXXX ,  XX/XX/XXXX  ,  XX/XX/XXXX , and    XX/XX/XXXX      XX/XX/XXXX   I have worked extremely hard to get back on my feet and repair my credit. This will definitely help improve my credit worthiness and give me the renewed confidence as a Navient customer in good standing.     Thank you for your time and consideration  XXXX   XXXX
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX   bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
In response to CFPB Complaint Case number : XXXX Thank you for your response to CFPB Complaint Case number XXXX. However, I am not satisfied with your response. XXXX acknowledged that they engaged in XXXX actions that I consider unfair and predatory. First, XXXX switched the order of ACH transfers that resulted in XXXX charging XXXX Returned Item Fees instead of XXXX. Second, FNBO re-submitted these transfers, without my consent, and after I had already attempted to rectify the issue, resulting in XXXX being able to charge XXXX Returned Item fees instead of XXXX. Despite this, XXXX did not offer to waive XXXX additional XXXX XXXX fee as requested. As a result, I am filing a new complaint with the CFPB and will continue to keep doing so until at least XXXX of the remaining XXXX XXXX XXXX fees on my account is refunded.
I applied online for a Discover personal loan. I am a XXXX Non-Resident on XXXX. Their questionnaire asked whether or not I am a US Citizen - I selected " No ''. Their questionnaire asked whether or not I am a Permanent Resident US Citizen - I selected " No ''. I then completed the rest of the application and submitted it for approval. Discover then conducted a hard credit inquiry and declined my application. I called Discover to understand why my application had been declined and the customer service agent told me that Discover does not provide personal loans to non-US Citizens or non-Permanent US Residents. If they already knew from the application form that I did not qualify for a personal loan, why was I allowed to proceed with the application and be subject to a hard credit inquiry? As a result of the hard inquiry my credit score is now lower versus before the inquiry, which will negatively affect my ability to obtain a personal loan from another financial institution. The customer service agent told me that Discover did n't want to discriminate against non-residents during the loan application process, i.e. all are welcome to apply. However if it 's Discover 's policy not to lend to non-residents, then they are still discriminating against non-residents. While I can understand their reluctance to lend to non-residents ( albeit short-sighted in my opinion ), why did n't they transparently preclude me from continuing with the application vs. doing a hard inquiry?
On the evening XX/XX/19, after making a cash deposit, and bringing my account at a positive balance, I reached to contacted Chase call center to see how could a NSF of {$34.00} charged on XX/XX/XXXX could be waived as a 1x courtesy. The Chase phone rep agent advised that they couldn't do anything and that i needed to wait until XX/XX/2019 to be eligible. However, the morning of Saturday XX/XX/19, I learned that an additional 3 nsf 's fees, {$34.00} a piece totaling {$100.00} was charged to my account and my cash deposit was conveniently pushed to XX/XX/19 which was the following Monday. This isnt the first time that  Chase has done this very questionable practice, but it is the first I'll be outspoken about it. If I understand correctly, deposits are posted first, followed by charges from largest to smallest. This isnt the first I've made deposit on this manner and no fees has been accessed. 
I work very hard. It is disheartening to see one hard earned money is been eating up by unfair bank practices.
The bank charged off the amount owed and then turned around and sold my account to a third-party called Portfolio Recovery. They call numerous times per day at my office when I have asked them not to. They have told me repeatedly that they can not sue me, but they continue to harrass me about the monies that were charged off. I was told by my attorney when we filed bankruptcy that a charge off is like a bankruptcy, it will stay on my credit report for XXXX years but not to pay anything on it, this all happened about XXXX years ago when I filed bankruptcy and paid the XXXX for about 12 months and then had it dismissed. I am in good faith paying my bills off XXXX by XXXX, however, my attorney said to ignore any of the ones that were charged off that they are moot. Between health problems, marital problems, having to move XXXX different times in the last XXXX years I absolutely can not take the stress these calls cause me and have asked this company to cease and desist all phone calls to myself and my husband as they are very disruptive when they call us during work hours.
This company recently bought a medical debt, they wanted to know if I got my  XXXX  on the  XXXX  of the month. They said they would keep calling until I paid. I told her I could not pay for awhile the bill is {$500.00} but they will settle for {$100.00}. Since then they have called my phone in the excess o f 12 times in two da ys but never speak, they keep it on mute. When I finally called back she said you do n't know what we want, I said yes your the same person I talked to and stop harassing me. She said she would take me off the list but hung up on me. They call from  XXXX  and  XXXX  they start calling at  XXXX   XXXX  and today is Saturday.
I obtain my free annual credit report from XXXX XXXX and XXXX online. After answering questions from Experian, the website denied my report. Experian questions included entering a city I previously resided that included my current city. I check the current city and Experian declined my report. The ID check should not include trick questions.
I am filling a complaint once again because Chase keeps prolonging my loan. I have filed a complaint on XXXX/XXXX/2016 with the CFPB. However my concerns have not been properly addressed by Chase. I was told by my assigned specialist XXXX XXXX that my loan was not eligible for a modification I questioned him why in the decision packet, my wives income was not considered.Chase has my monthly income of {$0.00}. This is not acceptable because I provided my chase bank statements for proof and my wife 's pay stubs. However Chase refuses to review my loan with my current income. At this point I will be force to involve the FDIC and my Attorney General XXXX XXXX so they can start an investigation against Chase. I am tired of the excuses Chase keeps giving me I am falling more behind instead of them trying to find a resolution so I can start making my mortgage payments. Again, they are not providing me with a reasonable explanation as to why they are using {$0.00} income. This is against my rights and they are not giving me a fair review. I could have been assisted already, but in every review they keep using {$00.00} income. I just want a logical explanation and I can provide any proof of income. My wife works XXXX, why would a XXXX lie that she works there? she has even given the mortgage company permission to call and verify her employment, but they continue to deny us. I need help and hopefully they provide a reasonable explanation through the CFPB.
I do recall owing this money to XXXX. I turned in all of the equipment when I changed service. I 'm just not sure I left a balance. If in fact you do find that I do still owe them I would like to make arrangements to settle.
On XXXX/XXXX/XXXX a Stipulation of settlement was ordered by the XXXX country court in the amount of {$14000.00} and {$7400.00} both amounts were paid in full and the premises was cleared as per the order on XXXX/XXXX/XXXX. I have spoken to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX numerous times. Conversations started on XXXX XXXX and ended with no resolution on XXXX XXXX despite me sending him all the papers and documents that he has requested. 

XXXX XXXX at FCO promised to contact XXXX XXXX to resolve this matter. On XXXX XXXX I spoke to XXXX XXXX and he informed me that they did not reach out to XXXX XXXX and the compliance officer at FCO determines if I owe money or not. On XXXX XXXX, XXXX XXXX XXXX stated that the compliance officer at FCO determined that I still owe the money despite the Stipulation of Settlement or any of the prove that was sent to him since XXXX XXXX. 

According to the law it states that if Stipulation of Settlement is signed by the judge and conditions were met and paid off in full XXXX XXXX or any other collection agency has no right to go back and charge extra charges or send to collection.
I have requested numerous times for Santander Consumer to provide clear consistent information and verification of the debt i owe them. Each of my credit reports shows different information and they continue to show an open Charge Off. I have disputed directly with no follow up or information given. They continue to report every month. I have disputed with the XXXX major credit reporting agency and they continue to report every month. None of the information they are reporting is correct because none of it can be verified. I want Santander Consumer to remove all traces of there collections claim from the XXXX major credit reporting agencies XXXX, XXXX, and XXXX. I also want in writing that this issue has been resolved as Santander Consumer based on research and Class Action suits brought up against them and won, will continue to pursue debt that is not theirs to collect.
This letter will serve as the second formal complaint that you are reporting inaccurate and incomplete credit information on my credit report. In which both companies have responded with the same incomplete result from the original issue I reported On XX/XX/2019. Upon receiving a letter from XXXX XXXX dating XX/XX/2019 stating that they are currently reporting correctly to all three bureaus. Also a letter from Experian reporting a date of XX/XX/2019 and an Experian report number of ( XXXX ). In which, the Experian report does not show my current XXXX XXXX Credit card reporting. There is still a major disconnect between Experian and XXXX XXXX. Furthermore, the issue has NOT been resolved! I have attached in this document the original complaint also the new complaint. I would like this issue resolved immediately. The initial complaint was filed through the CFPB. This second round complaint will be mailed certified and filed through the CFPB as well. I am looking to get an IMMEDATE resolution to this issue. I have spoken with XXXX XXXX and Experian both several times and both companies are saying that I need to contact the other company. Due to the fact they are not responsible for this issue. This leaves me in the dark without a satisfactory resolution. This issue has been occurring for over 30days! An immediate resolution is required at this point.
This account is closed been closed since XX/XX/2008 and I want this off my credit report
In XXXX I wrote to all 3 credit bureaus asking for their method of verification as it pertains to verifying a bankruptcy. Instead of replying to my requests within the required15 days, XXXX, XXXX and Transition, made a decision to ignore the 15 day reply for my MOV request as well they took it upon themselves to update all my credit reports by verifying my bankruptcy and giving my public record a new updated date. I did not request a dispute on my public record, all I had asked for was their MOV. I am aware that the credit bureaus receive their information from third party companies, In XX/XX/XXXX, I placed a security freeze on all of them, including XXXX XXXX. I am quite upset that the credit bureaus lied and told me that they verified my information. How is it, that they can verify my information, if my personal file is frozen? Idid not want to give them the opportunity to change their answer or do anymore damage to my credit file for this unverifiable information. Transunion lists my public record was updatedXXXX, XXXX, lists my public record update as XX/XX/XXXX, XXXX has not updated my public record, but they also have not sent me their MOV  either.
I signed a lease with XXXX XXXX at XXXX XXXX to start in XXXX 2012, but in XXXX 2012 I had a personal family emergency and could no longer leave home. Because of this I called the leasing office to see if I could break the lease anyway and we came to the conclusion that if I paid the first months rent then they would be able to put someone from the wait list into what was supposed to be my room. After I sent the money for the first month I did n't hear from the apartment complex until 6 months passed when I received a bill for {$3200.00}. When I called the apartment complex to look into the purpose of the bill they said there was no record of the agreement and said they would be sending the debt to collections. Which is when I began to be harassed by Southern Managment Systems and since then I have been threatened with a fraudulent claim, I upheld my side of the initial agreement.
Additional information for CFPB complaint # XXXX about PAYPAL CREDIT, XXXX XXXX XXXX XXXX and XXXX XXXX. 

On XX/XX/2018, PAYPAL responded to CFPB by stating that the complaint does not belong to them. 

However, as per information from PAYPAL the account was charged off and transferred to XXXX XXXX, XXXX See attachment.
TransUnion is not helping me to remove a lot of hard inquiries from their reporting even after the fraud report was put on the account and locked so further fraud could not take place. 

TransUnion Report file number is XXXX I sent a fax to XXXX XXXX XXXX TransUnion consumer contact dept Hard inquiries that need to be removed because of fraud XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
MY NAME IS XXXX XXXX. FIFTEEN + YEARS AGO I HAD A XXXX XXXX IN XXXX, FL. THIS IS NOT MY DEBT ANY LONGER AS IT WELL EXCEEDS THE 7-10 YRS THAT I THOUGHT A DEBT COULD BE COLLECTED. THEY KEEP CHANGING DATES I.E. DATE OPENED AND NOW HAVE IT IN XX/XX/2018 SAYING THIS WAS OPENED..NOT TRUE.  THEY KEEP SELLING IT TO OTHER COLLECTORS AND IT NEVER STOPS. I FILE CONTINUOUS CREDIT DISPUTES AND THEY DISAPPEAR FOR A WHILE THEN ARE BACK. THIS IS NOT FAIR AND COULD GO ON FOREVER BASED ON THEIR ACTIONS.
Portfolio Recovery has placed a collection on my credit report which was from a old XXXX Account which I have not made a payment on this account since that of XXXX. When Portfolio Recover was called they said according to their records I made a payment on XXXX/XXXX/XXXX to XXXX which is not true it is a complete lie. Because this false information is on my credit report I can not obtain a loan for my son to go to college. A dear friend of Mine has been in communication with this company and I have made a copy of all the correspondence which she has sent to this company
this is not a duplicate request. 

the Experian company continues to report a chapter XXXX bankruptcy that does not belong to me. all the creditors have done investigations and found that I was not the rightful owner of these accounts, these same accounts have been discovered to have been started under the very same address as this chapter XXXX case is reporting. I have attached the investigation results and the police report and FTC report showing that I have never resided at the address that this bankruptcy is reporting under. the XXXX and XXXX companies have since removed and found that I was not liable, however Experian continues to be in direct violation of the law and therefor damaging my reputation after being notified that what they are reporting under my name with this chapter XXXX bankruptcy is not valid
On Thursday XXXX XXXX 2016 at approximately XXXX am I was denied service from a Bank of America located at XXXX XXXX XXXX XXXX, XXXX, Wa XXXX. I went to have my account verified as required by HUD for low income housing and was told by the manager XXXX that they would not be able to sign paperwork given by HUD verifying my bank of America account.When I asked why the only explanation that was given was that she did not feel comfortable verifying my account. I have been a bank of America customer for 10 yrs and know that this is not common practice.
My file was stolen and someone had made an unauthorized hard inquiries. 
I would like to file a dispute and remove an unauthorized hard inquiries