WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It Might Concern : I have a complaint against Discover Bank, located in XXXX XXXX XXXX at Utah. 
-- -- -- -- -- -- - Short History -- -- -- -- -- -- -- -- -- -- -- -- - 1. My name is XXXX XXXX You can reach me at ( XXXX ) XXXX. 
2. On XX/XX/XXXX and XX/XX/2018, i made a mistake. I issued an ACH transfer twice, and each time an amount of {$1100.00} was subtracted from my checking account at Discover Bank to pay my Visa credit card balance at XXXX XXXX XXXX. 
3. As the 2nd time of withdrawal, my account was bounced. Insufficient fee of < $ XXXX> was charged on XX/XX/18 and an amount of {$1100.00} was returned to my account on the same date ( Of course! ) -- -- -- -- -- -- - Important information below -- -- -- -- -- -- -- -- 4. On XX/XX/2018, without my request, Discover went out and debited the same amount of {$1100.00} from my checking account in attempt to pay my credit card at XXXX XXXX XXXX FOR THE 3rd TIME!!!!!. Note : The payment has NEVER taken place ....!!! because that there was NOT enough money in the account, ( that would result with a balance of < $ XXXX>. Please see attachment ) 5. On this date, There were 2 systematic errors : 1st error : the NSF has never recorded. 2nd error : It should reimburse me back the money of {$1100.00} that it took away from my checking account. 
6. So on XX/XX/2018. I called in, asked them why trying to pay a 3rd time, and I disputed the amount of {$1100.00}. 
7. So, The dispute went on investigation. And amazingly, Discover said the transfer made on XX/XX/2018 was VALID. So on XX/XX/XXXX, Discover came back and took back the disputed amount of {$1100.00}!!!! 

XX/XX/XXXX, I called XXXX XXXX XXXX to make sure and have them verified that they never received any money from Discover any time on or after XX/XX/2018! The trace that Discover people gave me was XXXX that was for the transfer on XX/XX/XXXX indeed! 

To DISCOVER BANK : If their investigation was GOOD by saying the transfer on XX/XX/XXXX was valid. What is its VALID trace ID? 
and where the money went after it got debited from my checking account? 

Finally, on XX/XX/2018. A rep at XXXX XXXX XXXX ( Mr XXXX at Illinois ) set up a conference call and we talked to two reps at Discover Bank ( XXXX and XXXX @ XXXX XXXX XXXX ). On the phone, XXXX XXXX verified that they did NOT receive any money from Discover on or after XX/XX/2018. Discover now back to investigation again! XXXX # XXXX Discover bank has been taking 2 months to investigate. That transfer from Discover to XXXX XXXX has never taken place! So, Return the money to me! 

Please help me to recover my money from Discover Bank. I appreciate your intervention and your help! 

Sincerely, XXXX XXXX.
I 'm currently in the last stages of getting approved for a mortgage. 
I was approved up until they found that I was late on XXXX payments with AllyFinancial ( XXXX, XXXX and XXXX ) The payment date is on the XXXX, and afterspeaking with customer service they confirmed that I was not late on the XX/XX/XXXXpayment, although it did show that on my credit report. I have been a long time customer through your company for many years and hope that you will take that into consideration. Correcting this situation and hopefully retracting the other XXXX late payments from my credit report will help me immensely and willbe the only way I can improve my credit report and get my dream home. Your anticipated prompt consideration and cooperation with this matter is greatly appreciated. Once again, THANK YOUXXXX XXXX
I would like to know the specific breakdown of how my  XXXX  Reflected that I paid between   XXXX - XXXX  pe r year, but not last year as it appears to have been fixed for future years but to this point I have over paid in student loan interest when my interest rates were only  4-8 p ercent.     I asked for this information over a year ago from the company and did not get a response. I spoke with the company after my last complaint and asked for it again and was not provided it.     When my loans were consolidated, the payments were not applied correctly over a year ago and I have made several phone calls to try and have someone submit something to fix it but have not been successful.     The loan monies were supposed to pay off the HIGHER interest loans first and leave the lower interest.     I have several loans and I have never had a loan company treat me this way.  XXXX  is who I consolidated with and they realized that they did not give me a loan percentage decrease and proactively sent me an email that they would fix it. I didnt even recognize the mistake, but it seems that there are several reasonable companies to deal with but navient is still not responding to my previous request.     I am only asking for them to fix THEIR mistake and credit me the back money that they owe me as a result. I am not denying any terms I signed.
On XX/XX/XXXX I called Western Union for the first time about this issue. They told me they will conduct an investigation and would let me know within 14 days.

I called back on XX/XX/XXXX I was giving a case number : XXXX and told me that someone was going to call me. When they called they said that I was going to receive and email giving me a new track number and also I was asked if I want the money in the mail or to pick it up from the office, at that time I said in the mail, again I have to wait about 14 days. I did not heard from them. When I called back XX/XX/XXXX I was giving a new case number:XXXX and they say that someone was going to call me within 48 hours to give a new track number to pick up the money. I went to the office but the clerk called Western Union to get the new track number and they never picked up. I called again on XX/XX/XXXX spoke to XXXX and told him that if I did not get an straight answer I was going to file a complain, he promise that my check was going to be in the mail within the next 24 hours. Until today no word from them.
In XXXX of 2014 I was provided a trial payment of 3 months in which I did pay the 3 months. At the end of the XXXX month I was never provided with the final modification to fulfill the terms. I then resubmitted for another loan modification as I was told by an SPS representative that I do qualify for the HAMP program and provided all required documents on time and was then denied. I still have never received a clear answer as to why my trial modification was never finalized and am now facing another upcoming foreclosure sale due to this matter. I also am not receiving any responses to my written or oral requests.
Upon becoming a member with the naca organization my realtor was aware of homes i could afford. While viewing homes i was informed i that i was eligible for a home that was shown to me. I then proceeded to the next step which was paying the expense of all inspection cost. Which came out to be a total of {$640.00}. A break down of {$320.00} towards building inspection, {$220.00} towards plumbing inspection, and {$95.00} towards termite inspection. With such disappointed, shortly after i was informed by XXXX XXXX XXXX that i could not be approved for that home. I also inquired about receiving a refund of my membership fee of {$30.00} dollars.
My credit report had a collection placed on it from XXXX XXXX a couple of months ago. When this happened I immediately called them. This debt wasn't mine to begin with. I never owed XXXX money because I cancelled my phone and paid the early termination fees. But, they never cancelled my phone and it kept accruing a balance until I received a bill a few months later. I called XXXX to resolve at that time and they said it was fixed. So now, convergent places this on my credit and it's causing me all sorts of problems. So, I just settle the debt in order to avoid issues and pay them. They're supposed to delete the account but now it's still on my credit report. What a shame I paid a debt I didn't owe and it still sits on my credit report. They've sent me a letter stating that this debt is valid. See attached
Took the hurricane Irma mortgage 3 months assistance, now I got served a civil action summons on XX/XX/XXXX with 20 days to respond. I have been in contact with Flagstar Bank and sent them all the paper work they requested for a modification at least 7 times ( mail an via email ) over the past 6 months. They still can not and will not help me. Every time I call they say we are working on it or we need this paper or that paper which we have already sent again, but send it again anyways. They sent back my payment as well. Please help my family.
The lender is collecting double the amount needed for my property taxes. I made this very clear before the purchase transaction was complete. They said they would collect double the amount necessary until the 2018 assessment was released and do an analysis of the account in XXXX. The loan has been active for 6 months and and they have disbursed the the 1st half of the taxes that the county requires but still double bills me. I have received an escrow analysis after the disbursement was made of {$660.00} to the county. The lenders escrow analysis states my obligation is {$1400.00} per installment. But they only disbursed {$660.00} to the county for the installment. They are paying the correct amount to the county however billing me double. They do not return phone calls or emails. I can document multiple attempts to have the issue resolved. 

They have unfair business practices and poor communication. I am being billed double for my property taxes.
Navient has on multiple occasions put a student signature loan in deferment without my authorization. This resulted in only interest being applied to my account until I realized what they did. This now raises the monthly rate of the loan, and extends the time to repay. Somewhere after the XX/XX/XXXX payment Navient put the loan in deferment for two months until I called and asked them to not change my loans without my authorization. This added about XXXX dollars of interest to my account and added to the principal. This same issue also happened for a month after my XX/XX/XXXX payment. I am very disappointed with the tactics by Navient to change a loan that would cause more money out of the student 's pocket and more in their pocket. What they did was wrong, and it happened multiple times.
I have disputed this account with each of the 3 credit bureaus and the only response I got was a statement added to the account stating that I disputed it. I have submitted a compliant to you in regards to this and the company responded that I disputed the claim with their office on XX/XX/XXXX which is true however to date I have no verification that this is my account. I have NEVER seen this physician and have contacted Credit Collections and the credit bureaus numerous times and am getting no where. This account needs to be removed from my record with all 3 credit reporting agencies.
In XX/XX/2017 I received a notice from Professional Bureau of Collections of Maryland , Inc. claiming that they had purchased my student loan debt and offered me a chance to settle the debt for a lower amount. This is not possible as 4 years ago I consolidated my student loan debt through XXXX  and have been paying it off ever since.

I sent them a letter requesting validation of the debt and never got a response. Since I have no outstanding debts and since they were unable to verify my request I can only assume that this is either fraudulent or a scam.
I had a credit card from XXXX and they had a problem when I was in the store with their register. This resulted in multiple charges for the same purchase. They told me it was resolved.
Suddenly I get a letter with the amount of the transaction in collections from Sentry Credit in XXXX, Washington.
I went to their website and found the option to send a dispute message and I did this. I never received a response from them. This was inXX/XX/XXXX After two weeks, I decided to pay the charge and then try to dispute it through the credit bureaus.
I sent the payment by certified letter and asked them for a response to the dispute and then to at least credit the payment.
I never heard from them even after receiving proof that they signed for the payment. I am attaching the certified letter receipt from XX/XX/XXXX when the check was sent.
I then called them and got a very rude person who was not helpful in any way until I got forceful. He then told me that they had received the payment but that it was in storage because they could not show that it was paid while it was in dispute.
Until this day I have never received any correspondence from them and this was nearly 7 seven months ago!
It continues to show up on my credit as not paid and now as a chargeoff!
I called last week and they said they did n't know what I was talking about.
I do not know how to resolve this problem even though I have proof that they signed for the receipt of the money order for {$130.00}.
It is obvious that they are trying to hurt my credit and that they have no intentions to resolve this problem.
I have now had problems getting credit because of this small situation that I tried to resolve immediately.
My address at the time of this situation was different than now : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX
I pulled my credit report on XX/XX/XXXX. I found several errors and items I disagree with. I proceeded to contact TransUnion, XXXX, and XXXX  in writing about these issues in an effort to get them corrected and removed. On XX/XX/XXXX I mailed a written notice to XXXX, TransUnion and XXXX. The following items were not properly investigated, in my opinion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX On XX/XX/XXXX I mailed another letter to Transunion, XXXX and XXXX requesting a re-investigation be done as I believe strongly that if they actually investigated this account, it wouldn't have been able to be verified. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX  for which they did not properly investigate the account either. XXXX XXXX  continued to refer to the account as an auto loan when there was no advancement of article or monies ; just as well the agreement states it to be a credit sale in accordance to the retail sales contract. 

I then contacted XXXX  XX/XX/XXXX when they supposedly investigated the account yet deemed it as reporting correctly and then again on XX/XX/XXXX when I noticed more errors regarding account XXXX which I never agreed to. The transaction history shows a new account was open on XX/XX/XXXX although it reporting to XXXX as being opened XX/XX/XXXX. XXXX claims their reporting to be correct yet have not provided an agreement for the alleged account number XXXX nor will they correct or remove their incorrect reporting. 

XXXX has also failed to mark these accounts as in dispute as required by FCRA.
Unauthorized credit inquiry on my XXXX  credit report.

I was a victim of identity theft.

XXXX data hack. My information was compromised. Some was using my identity..
I applied for a credit card with American Express and got their Gold Card that has to be paid off at 30 days. I called to tell them that I did not want this card and they took my application for a Blue card and received that one. My SS number was used to back this card for XXXX XXXX XXXX. When I left XXXX XXXX, there was a balance on the Blue card so it was paid off and I closed that account. 
Until yesterday, XX/XX/XXXX I did not realize that my former partner made charges on the previously closed account. I never received written notice of the unpaid balances because the bills and all other notices went to XXXX XXXX XXXX. 
Amex kept calling my parents home about a balance due but I knew the balance was paid and the accounts were closed and didn't know what was going on. Apparently the account was sent to a collection agency and after speaking with them on XX/XX/XXXX I discovered that they were referring to charges made in XX/XX/XXXX, on an account that had been closed. Since I have no access to the mailings to XXXX XXXX XXXX, I never got the late notices, billings, collection notices, etc. The woman who runs XXXX XXXX XXXX tells me that AMEX randomly sent a card to her with here name on it. She was only the authorized user, no authority to re-open the account, even if that is AMEX 's policy. My credit has now been ruined and I can't even be told what the balance is for, not will they provide me with the account number, etc. I don't have an account number from AMEX or the collection agency to even verify what they are discussing. They are charging me without providing me what they are charging against my social security number. I want XXXX XXXX XXXX to stop calling me.
I pulled my Equifax report and found a ton of hard inquiries that I did not authorize. It is damaging my credit. These are the inquiries that I have never had any type of credit with. 
XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
XXXX XXXX, enrolled in XXXX XXXX for XXXX XXXX, moved around and attended other campuses ( XXXX, WA ) then back to XXXX, AZ. Graduated XXXX. Enrolled in the XXXX XXXX XXXX through XXXX XXXX, relocated to XXXX, OH where I completed my course in XXXX XXXX. Started the Masters program with the same school and same lender XXXX Great Lakes Borrowers ). School shut down in XXXX ending my schooling. Filed a " School closure and loan discharge ''. Great Lakes Borrowers sent me a letter stating that my loans are discharged and I no longer need to pay on them ( XXXX, XXXX XXXX ). Great Lakes Borrowers informed me that only a portion of my loans ( around {$3200.00} is discharged ) but not the whole thing. In the letter, it does not specify that {$3200.00} amount but " Great Lakes XXXX XXXX XXXX will cancel the remaining balance on this portion of the student loan ''. Which all of my loans are through XXXX XXXX and no other institution. Also, contacted another " agency '' about my loan, they informed me that as of current, all loans processed from XXXX XXXX to current are discharged and Great Lakes Borrowers is in violation of that action. 

I want this loan discharge enforced, removed from collection by Great Lakes Borrowers and my credit reports to reflect that removal of debt. I have tried on many occasions to deal with Great Lakes Borrowers which denied this letter was on file with them though I have faxed and emailed it many times. 

Great Lakes ID : XXXX
Navient employees are repeatedly calling and leaving messages on phone numbers I have asked them to remove and do not call ....
I had a motorcycle financed through Synchrony Bank. When I decided to sell it, I listed it on XXXX and XXXX. A man contacted me wanting to purchase the bike and meet him 4 hours away for him to pick it up. He wanted me to give him our bank account info so he could deposit money into it. Of course, I said no. He then suggested a direct transfer from his bank to my financing bank to pay it off. We agreed and the transaction was completed. I spoke with the representative for the bank who said the account was paid off and the transfer was " instant ''. Knowing that this whole thing sounded fishy, I called multiple times following the transaction to verify the account remained paid in full. Two days later, my wife and I drove 4 hours to meet the man in XXXX. I called to verify again, and received the message, '' Congratulations! Your account has been paid in full. '' XXXX before we left to deliver the bike and immediately before handing it over to the buyer. We met in a large public place with surveillance cameras to make the transaction. He signed the bill of sale and we were XXXX on our way. I called to be sure he made it back safely and he did n't answer. Two days later I tried to call again and his phone had been disconnected. Suspicious, I called the bank who informed me that the bank account the man transferred the money from had never existed. I was charged a {$40.00} fee and still owed the full balance on my motorcycle. I was informed that the transaction was not an instant transfer, but instead an electronic check which, like paper checks, require a waiting period. Why was I not informed of this? I took every measure I knew to take to protect myself. We rely on the banks to help us stay informed as they are continuously seeing new forms of fraud. I am very disappointed in the misinformation that I received. I have filed a police report, which did not lead to any recovery but did get the motorcycle listed as stolen a few weeks after the incident. I 've filed a claim with our insurance company, who will not cover it as stolen since there is a clause in the policy stating they wo n't cover any intent to sell transaction and they consider it fraud. We have also spoken to the bank many times, who says it 's not considered fraud to them because our account was n't fraudulently accessed. Is there anyone looking out for the consumer?
They have not removed chapter XX/XX/13 Bankruptcy from my credit report XXXX/Experian
When I finally locate the on-line credit dispute electronic form it will not honor the completed electronic dispute log-in page. This is a clearly intentional!! The CFPB should interrupt this website and advise customers to go directly to the paper process as the website is not functional & gt ; But you already know this!! if some consumers are successful then it is a lottery thing. 
What are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propaganda what are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propagandahave several try and confirm what I believe is be the case = independent evaluationXXXX XXXX cell XXXX XXXXXXXXXXXX
This account was closed on XXXX/XXXX/11 want to be removed from my credit it 's already more than 4 years.
I contacted Bank of America upset that they transferred more than enough money from my overdraft account to my checking account to cover an unathorized charge ( I already handled the unathorized charge with the party charging ). I was told the alternative was not to have the overdraft kick in and have all charges rejected. I agreed that was best. Only then did XXXX advise me tha tthere is a {$35.00} charge when they reject a charge. I advised her I did not want that, keep it as it is. Then I recieved a letter in the mail that they had removed the overdraft protection and disconnected the accounts. When I called Bank of America upset this unathorized change was made by their employee they indicated they were unable to reverse what their employee had done as they no longer offer such a service. I advised them her changes to my account were not authorized once I learned of the implicaitons of that alternative and that her behavior was unathorized and therefore illegal. As a result, I intend to close my accounts with Bank of America as I can not trust their 'customer service ' with my accounts.
i disagree with the last complaint they did not address the issue. XXXX XXXX has Not been reporting accurately to Equifax credit bureau.XXXX XXXX state theres a block from XXXX which is a different company from Equifax. XXXX as advised me they '' re not going to report my account anymore to the credit bureau, but at the same time state they reporting accurately.Equifax says they can not change anything on my consumer report unless XXXX XXXX update the account. The balance your reprting i owe is incorrect..the status they '' re reporting for this account is incorrect.I disagree with the accuracy, completeness of the following information as being erroneously included on my credit report, as i advised on more then two separate occasions, more than 75 days ago again 40 days ago. Under FCRA thats in Violation, to continue to report inaccurate information sec 809 ( b ).