WillisBack/dataset-financial-user-claim huggingface dataset:
Sent via mail on XX/XX/XXXX a letter to Navient along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) immediately. My check was cashed on XX/XX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.
I financed flooring and installation from XXXX XXXX in XXXX 2017. I was given an estimate of approximately {$2200.00} for flooring and installation. I applied for financing and approved for {$2500.00}.
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Once I received an invoice from Synchrony Bank the amount was much higher than my estimate.
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I called XXXX XXXX and asked them for an itemized list of charges but they could not explain the items. They said I needed to call Synchrony Bank.
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I called Synchrony Bank and filed a dispute. They could n't explain the charges either. They said I needed to call XXXX XXXX.
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I want to know what exactly i 'm being charged for and why the total amount comes to {$3200.00} materials/laminate & square ft. - {$1000.00} installation items & square ft. - How much per square foot and total cost of that service.
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Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Dovenmuehle Mortgage XXXX IncXXXX is my new Mortgage Servicer for XXXX XXXX XXXX. Dovenmuehle Mortgage paid a Homeowners Insurance premium to XXXX XXXX XXXX  without my consent, and by doing so it has left my escrow account with a negative balance. XXXX XXXX has stated to Dovenmuehle per XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX XXXX XXXX 's ) They would not be refunding the amount paid XXXX XXXX XXXX to them by Dovenmuehle. Identity Fraud and Identity Theft has been committed in this procedure I did not authorize Dovenmuehle to pay XXXX. I changed Homeowners Insurance on XX/XX/2018, to XXXX XXXX. My monthly coverage with XXXX was covered thru XX/XX/2018.
I have a Citibank account. I wrote a check out of my Citibank account for {$23.00} to deposit into my XXXX account. I had funds in my account at Citibank to cover the check. However Citibank returned my check for {$23.00} because they said I did not activate my checks. Citibank did not send me any disclosures at all. No disclosures for the account, and no disclosures saying that I have to activate my checks. I printed the full transcript of the chat I had with the Citibank representative. Because of this issue it caused me to start a bad reputation at XXXX. And I also got charged a fee for the returned check. Clearly Citibank violated regulations for not disclosing the information to me. I never heard of activating checks before. I have heard of activating a Debit Card and/or a Credit Card, but not checks.
I was contacted under false pretenses by a courier who was coming to serve me and then given the number to request a stop order but XXXX people gave me inconsistent information and the debt they are claiming I owe is invalid.
Inquiries Unauthorized Transunion Report XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX &XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX For XXXX XXXX {$1800.00} XX/XX/XXXX
I refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XXXX, and again on XX/XX/XXXX. XXXX told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me resolve this.
In the month of XX/XX/2018, while on a XXXX XXXX flight, an attendant announce to passengers that we could take advantage of getting more miles by applying for a credit card account. When several passengers questions this, the flight attendants told ALL of us that if we didn't want the card, please tell Bank of America when they called. As I return to my origin, I check my credit report and score and noticed boa already pulled my credit report. I did not want a credit card and called BOA and explained this. I shared with them this was a deceptive practices and this is how they got in trouble not to long ago. The personal assured me they would remove this inquiry. It has been over 30 days and it has not been removed.
I attended XXXX XXXX College starting in XXXX then again in XXXX. Due to health reasons i could not finish my XXXX XXXX XXXX degree although i had XXXX XXXX  and finished all XXXX classes. I got the pell grant and other free help from the government that did not require repayment. I had took out 2 student loans during this time through XXXX XXXX for classes that i could not use pell grant. I received XXXX one time and XXXX the second time. I had asked for forbearance to delay repayment due to unemplyment. I was denied. I ended up having income tax returns taken and i paid XXXX back through wage garnishment of half my paycheck and all my income tax for a few years. I did not owe all this money too them.
My original complaint with CFPB was XXXX filed XX/XX/XXXX. Citibanks brush-off, incorrect and avoidance to address the issues reply was received XX/XX/XXXX. Below are my objections and refiling the original complaint in hope that this time the issues would be addresses. 
1. COMPLAINT ON UNEVEN INTEREST RATES ON SIMILAR ACCOUNTS : I originally mentioned 4 bank accounts as follows : XXXX, XXXX, XXXX and XXXX which have almost identical amount on deposit. In the Citibank reply, they addressed the only 3 of the above XXXX, XXXX, XXXX XXXX and added for confusion another account XXXX which DOESNT have the same deposit amount as the original mentioned 4 account. Furthermore, after checking accounts XXXX, XXXX and XXXX were originated in XX/XX/XXXX with an interest rate of 0.08 % rather than as pointed out INCORRECTLY by Citibank ( for XXXX XXXX and XXXX ) with interest rate of 0.15 %. Further to illustrate Citibanks confusion, account XXXX opened XX/XX/XXXX has a consistent interest rate of 0.12 % rather than as INCORRECTLY pointed out by Citibank 0.08 % interest. 
Citibank intentionally didnt address the issue of the differences between the interest rates and especially the Citigold relationship managers repeated FAILURE to adjust the 3 discriminated accounts interest rate. Furthermore, to confuse and justify the failure, the banks responder added an account ( XXXX ) which was not originally mentioned in my complaint as it didnt have the same amount balance. 
2. As far as the rejection of the wire transfer and fees charged, Citibank didnt address the specific issue WHY MORE THAN 15 IDENTICAL PREVIOUS WIRE TRANSFERS WERE PROCESSED WITHOUT A GLITCH AND THE ONE IN DISCUSSION WASNT. All previous wires have the same beneficiary as the one rejected. I expect a reply to the point. 
3. In addition to the original complaint ( 2 above points ), on XX/XX/XXXX I requested by phone the my IRA XXXX for filing my taxes. Citibank which maintains my IRA account FAILED again to post the XXXX on the bank website together with the XXXX which is posted each year. As the promise to e-mail the XXXX was not fulfilled, further phone calls led to the bank to finally e-mail me a XXXX. After checking it, I realized that this reflects an incorrect withdrawal and there should be an additional XXXX. Further phone calls and aggravations lead to a burden of 10 irrelevant faxes until I finally got the second XXXX. It is absurd that one has to invest so much time and keep checking the bank for accurately delivering what they are obliged by law all XXXX for accounts held by a banks customer
I am contacted the CFB regarding XXXX XXXX XXXX, FTC file # XXXX. Company was sent 3 dispute letters by me. XXXX never provided a debt validation or any acknowledgment of it. Instead, they knowingly lied to the FTC and stated that they provided me a debt validation twice, one on XX/XX/XXXX & another again on XX/XX/XXXX. Both statements provided by XXXX were false. I am filing another FTC complaint against company for falsely stating they provided me with enough proof of the debt ( ex : debt validation ) when they did not. Company has mocked the power level and senses of the FTC by failing to do what is required of them by law : provide a debt validation within 5 days of receipt of my dispute letter. However, they sent nothing but a bill and advised me in writing that I owe the debt-NO Validation provided. The company in their response on XX/XX/XXXX complaint # XXXX, stated that prior to receiving notice from CFPB, they never received a response from me, however they signed and received my dispute letter sent certified mail thru usps tracking # 's XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I am re-filing a complaint against company for stating they provided me on 2 instance with a debt validation when company did not provide me with anything besides a settlement letter that was a bill, a general statement letter from XXXX XXXX, and a verbal written notice from XXXX XXXX-Division Manger, stating I owe the debt, with a charge-off letter attached. NO DEBT Validation. Company 's like XXXX who fail to comply with the FDCPA when contacted with disputes, to then classify written letters and billing statements as debt validations should be shut down! I did not obtain an account from Victoria 's Secret/Comenity Bank! I have been asking for a proper debt validation that company has failed to provide. Instead, XXXX lied to CFPB and stated they provided it! Wrong & FALSE INFORMATION!
in XX/XX/XXXX I disputed an account all three credit bureaus. The account which is the XXXX XXXX XXXX XXXX of Missouri XXXX XXXX well the account came back verified with all bureaus. Well in XX/XX/XXXX I contacted the original creditor which was XXXX XXXX XXXX, I sent Total Card a Debt Validation letter. Well the original responded back, with a letter stating that the account was sold to JTM Management, LLC on date XX/XX/XXXX..i have enclosed a copy of the letter showing that they sold the account to JTM Management on XX/XX/XXXX. I XXXX XXXX then sent a certified letter to JTM Management on XX/XX/XXXX. I sent JTM Management a Debt Validation letter which under the FCRA I am entitled to send a validation letter to the company that is reporting the account on all three of the credit bureaus. which is JTM Management LLC. I have enclosed a copy of the certified letter that was sent to JTM Management LLC on XX/XX/XXXX. I have also provided the copy of the certified mail receipt and the delivery notice that the letter was delivered on XX/XX/XXXX to the address provided on my credit report for the furnisher which is now JTM Management. They received the letter on XX/XX/XXXX ... Well today is XXXX, XXXX XXXX and JTM Management has failed to respond to my certified letter dated XX/XX/XXXX..This is a violation of my rights and a violation of the law ... JTM Management needs to remove this account from all three of my credit bureaus right now for the non compliance and the violation of my rights. Or I will be getting a lawyer to sue the company for the non compliance. This day of XX/XX/XXXX I have not received any paper work or any items showing that this is my account,, they have violated laws and rights under the FCRA and the FDCPA, This inaccurate account needs to removed ASAP from my credit file. JTM had 30 days to respond and they failed. this company has violated local and state laws by not responding in a timely manner. I would like this account to be removed asap from all three credit bureau or I can go file a small claims suit. I have enclosed all paper work to show I did my part the company received the letter and yet failed to send me what I was entitled to now the company need to delete the account from my credit file. asap
I pulled credit report and found out that Credit Collection Services ( CCS ) listed a collection account # XXXX saying that I owed them an alleged {$250.00} for unpaid debt with XXXX as the original creditor of car insurance not paid. 

I disputed it and asked for validation. 

On CCS 's letter to me dated XX/XX/XXXX they sent the attached XXXX XXXX statement saying I did not pay for the insurance from XX/XX/XXXX to XX/XX/XXXX. 

This is a false statement because my insurance account did not extend to the period they are trying to collect. My insurance with them was from XX/XX/XXXX to XX/XX/XXXX. The policy ended on XX/XX/XXXX and I did not renew the policy with them. So the alleged {$250.00} they are trying to collect in not mine. ( see attached XX/XX/XXXX). 

XXXX XXXX 's statement that " the payment I made was not enough to completely cover the time insured XX/XX/XXXX to XX/XX/XXXX '', is a false and untrue statement because I did not renew the policy for that period and therefore was not insured by them within that alleged time. And I did not make any payment within the alleged time from XX/XX/XXXX to XX/XX/XXXX. 

I did not approve the changes they had to renew the police and decided not to make the payment that would have been the means of acceptance as per their request. 

I did not renew the policy and therefore I did not have to pay them for service they did not provide. And I am not obligated to tell them who I insures with. 

CCS reporting false and inaccurate information on my credit record is in violation of the XXXX XXXX XXXX, FCRA and FDCPA. 

So I want CCS to remove this false information from my credit record. According to these XXXX XXXX XXXX, FCRA and FDCPA, inaccurate report must be removed and deleted from my credit record immediately. 

And I want CCS to notify me when this false and inaccurate report has been deleted from my credit record in accordance with FCRA and FDCPA.
We obtained mortage from Bank of the West on a business property that my wife uses as her business in XXXX of 2013. We have paid as agreed, however my wife has been XXXX, and can no longer conduct her business. We have decided we need to sell the property, but the bank will of course accelerate the loan and will trigger the due on sale clause. At this stage they also want to charge me a prepayment penalty. We can not afford to sell the building and pay approx {$18000.00} in a prepayment penalty. Kind of like a Catch 22 situation. 
We would like the bank to take these other factors into account. 

WE HAVE PAID FAITHFULLY AND UP UNTIL THIS POINT I HAVE TOLD ANYONE WHO WILL LISTEN THAT I THOUGHT THE BANK WAS GREAT TO DO BUSINESS WITH. I BELIEVE I AM RESPONSIBLE FOR AT LEAST XXXX OTHER PARTIES USING THEIR SERVICES. 
I WOULD LIKE TO REMAIN ON A GOOD FOOTING WITH THEM, AS I HAVE OTHER BUSINESS WITH THEM. HOWEVER I FEEL THE ENFORCING BOTH THE DUE ON SALE AND THE PREPAYMENT PENALTY IS WRONG.
I was sued by investment retrievers for a debt that was not mine but was not able to afford a laywer so I lost. They have been attempting to collect the debt owed by a judgment. They have enforced it by seizing my property. The problem I have is there threats I know legally they can do this but I dont think they can tell me things like Ill have your CA state XXXX XXXX. Revoked and youll be calling me back begging to pay your debt. They are very rude on the phone and have threatened my livelihood of me and my family. They have many times said they were going to do things to me that later on I find out they cant do. I just think its a shame that they have a judgment against me and they have to resort to theses tactics. Im a XXXX veteran with an XXXX XXXX and this is too much. I know they are enforcing a debt owed legally but can they really threating me with things they cant do and threaten me and my families livelihood.
I sent a letter to Experian on XX/XX/XXXX, asking them to investigate errors on my credit report. Well over 30 days have gone by, and I have not yet received a response.
I keep getting called and being asked to call XXXX to pay debt or face legal consequences, which is a scam. I do n't owe any debt, and the threat and harassment is illegal.
A XXXX XXXX credit card that was opened in XXXX was sold to a debt collector XXXX and I settled with them in XXXX of XXXX. In XXXX XXXX notified XXXX  and the account was deleted from my report but Equifax and XXXX  re aged account with severe derogatory status and I have been denied 3 loans recently.
I have student loans through Navient from when I attended and graduated from XXXX University. My mother was my co-signer. In XX/XX/XXXX, my mother sadly passed away. My loans are in good standing and I have always paid on time. Navient is trying to take the full amount paid on the loans approximately {$27000.00} from my mothers Estate. I have made every attempt to continue to pay my loans. I am a survivor of XXXX  XXXX and a single mom of XXXX young boys. I recently fled my home in XXXX XXXX to come to hide in NJ from my abusive husband on XX/XX/2018. I can not afford to give them all of my mothers estate as I need it to live. I will continue to pay my loans as promised and on time. Please help.
Navient has continuously given me the run around and suggested I continue forbearance, when I did apply for IBR they quoted the payment as XXXX but the Navient Payment reminder stated I owed XXXX? I am willing to pay my loans but can not give them my entire paycheck.
On XXXX XXXX and XXXX XXXX 2015, I received a demand letter from Linebarger Goggan Blair & Sampson , LLP in XXXX, IL stipulating that they represent the State of Illinois -Department of Revenue in a collection of tax obligation. My complaint is I have never received any correspondence from the Department of Revenue regarding any delinquent taxes for the years indicated in the demand letter sent by this law firm/collection agency. Moreover, I have paid my state income taxes for the years identified in their correspondence. This demand letter seems to be a fraudulent claim of debt or deceptive action to scare me into payment of a tax claim that I do not owe. The language in the demand letter utilizes legal verbaige to bully and coerce a person into paying monies they do not owe. This practice seems deceptive and an unfair way of doing business. As a senior citizen, I find theses correspondance abusive and alarming. 

On XXXX XXXX, 2015, I sent a letter to Linebarger Goggan Blair & Sampson , LLP requesting as per the Fair Debt Collection Pracice Act, they forward all documentation to me to validate this claim. Instead of adhereing to the federal law, they sent me the XXXX XXXX letter demanding payment of {$30000.00} or else. They have not sent me any documentation to validate this claim. This action seems to be in direct conflict with the law or autocratic demeanor that they are above the law. 
If this firm is pursuing me like this, one can only assume they are doing this to many people in Illinois and/or throughout the country. 

Your immediate attention and action to this concern is requested.
On XX/XX/19, Id found out I allegedly had an outstanding federal student loan owing an estimated $ XXXX so I requested paperwork and proof of the loan before I considered even setting up any type of payment plan with them. I asked for them to send me the paperwork and two people at ACT pushed  me to give my bank account information prior to reviewing paperwork. After Id confirmed my physical address with them and phone number, I asked to please wait until XX/XX/19 and that after reviewing everything if everything was accurate, Id call back and set up a payment then. I was given XXXX number : XXXX and said Id call him at around XXXX PT. On XX/XX/19, Id received a call at XXXX PT from XXXX with no message left. This has been recorded on my phone with a screenshot.
At XXXX XXXX on Wednesday, XXXX XXXX, 2016, I received a phone call from phone number ( XXXX ) XXXX. No one talked on this call, but when I said, " hello, hello, is anyone there ... '' the caller disconnected the line. Three hours later, at around XXXX, I received a knock on the door from a gentleman asking for my mom ( who does not live with me ), as well as if I were her son. ( I had co-signed on her auto loan. ) He asked if she had a XXXX XXXX car, and where she lived. I gave him this information, thinking that he was simply wanting to service her car, or perhaps do repair work. He also asked for her phone number, which I did not give. When I asked who he was with, he responded " XXXX XXXX. '' Again, I did not suspect that this was a collection agency company, but simply suspected that it was a service company looking for my mom to help her with her oil changes, repairs, etc. He did NOT, EVER, state that he was attempting to collect a debt, and that he was with a debt collection company! I later did a XXXX search of " XXXX XXXX '' and found that it was a DEBT COLLECTION RECOVERY company! 

After filing a complaint with Chase Auto Finance, it was found that Chase did not employ this group, but rather they contracted out to XXXX ( XXXX ) through their XXXX ( XXXX ). Therefore, this complaint has been re-directed to XXXX ( XXXX ).
Navient put me on a interest reduction program. Once I was put on the interest reduction program they would forgive my loans after 5 years. After a year I had to go through a whole financial statement again. That the 5 year forgiveness program was not true. Every time I talked to them they would send me over to someone that had no idea what was going on with my student loan. The notes that they had on their end was never correct and would never have the person I talked to last in my file. The last person I talked to was going to look into my account as to why the program I was on shows that the amount should of been less and I never have heard from anyone since. I 've asked to have forms sent to me to show what I have paid on my loans and I have not received anything yet. I am just paying for them and nothing is going down. The interest rate is crazy and it keeps getting higher. 

They call me about 5 times a day and one time I had a voicemail threaten me that I need to call them back or they would find me. That some something that a person that has gone to school for and trying to get a job should not have to go through. Graduating at the time i did and the economy crashed was very difficult. 
They are not easy people to talk to! When I called I was put on hold for about 45 minutes before someone was finally on the phone with me. They had to transfer me to 4 different department and tell them all my information again. 
I have been paying my loans for 4 years on this program and my credit is so bad. I have asked to see what I can do to fix my credit and no one was able to help me. I ca n't even go on with my life and buy a house because my credit is so bad. Going to college and further my education was suppose to help me in my future and I am failing.