WillisBack/dataset-financial-user-claim huggingface dataset:
Checks got to deposit to my checking account at Bank of America and these checks were considered bad checks I was not aware of these transactions and the checks was made out to someone other then me and not sure how the bank was able to allow them to be deposit and not sure if there was a signature which would not be matched to mine. They put a flag on my social sercurity # which now i 'm not able to open a bank account at any bank. I would like to get this removed they will not remove it said that I was responsible for the account. No money was taken and there was no lost to the bank. It is to late to report this to police since it happen in 2013 and I just found out about it.
My wife and I were offered a 0 % transfer from a local 5/3 branch on a credit card. ( I was a small business owner in 2010 and put a large amount on credit cards trying to save my company. I just want to clarify that we did not rack up this debt by spending irresponsibly ) When XXXX ( my Wife ) spoke with the representative we were told that we would be expected to pay XXXX a month in minimum payment, which we were both fine with, as we are trying to pay off this debt as quickly as possible. 
Coincidentally XXXX was the first month that we went on vacation in 3 years, putting us in XXXX when payment was due. XXXX called our bank and had our " minimum payment '' plus an extra {$50.00} totaling {$350.00} applied to that card, but the bank put this money on the wrong account, causing us to default on the card, which they froze. We called to clear up the issue and have the funds put in to the correct account, but we were still left in default. This immediately changed our 0 % loan, in to a card with a substantial penalty PLUS interest. 
XXXX has been trying to clear this up with our local branch for over a month and I finally stepped in 2 days ago to see if I could figure out what is happening. 
during my multiple conversations with the payment research team ( who were very disrespectful and taunting ) I found out that in their system, any payment less than {$640.00} a month was considered delinquent. which means that since we received our card, we have been delinquent. 5/3 never informed us of this and the only reason we found out was when we were in the process of pre approval to buy a home, at which point our lender informed us that this card and 5/3 not only have dropped my credit score XXXX points in the last 3 months, but that we were now considered credit risks and no longer able to borrow from anyone unless this is cleared up. I also imagine that our credit rating is also going to spiral downward unless I pay {$650.00} ( plus back fees ) a month plus interest for the next 3 years to these crooks. Since my credit rating is now in the gutter, and no bank would loan me money to get out of this hole that 5/3 dug for us and shoved us in to. 
We will attach files of correspondence and bills with our minimum payment due. 
Through this whole ordeal the people at 5/3 corporate have been difficult and uncooperative, bordering on insulting.
My complaint is regarding XXXX XXXX now Navients allocation of my Student Loan Payments. In 2011, I entered into an agreement with my employer ( XXXX XXXX XXXX ) for Student Loan repayment. In total my agency agreed to pay {$30000.00} over 3 years. Each pay period my pay office automatically paid {$380.00} to my student loans for a total of {$760.00} per month. When the payment was set up, I requested that after the monthly required payment was satisfied, the balance of my payment would go to the principal balance of the loan. Navient did not allocate my payment this way, instead telling me the payments were being applied the nexts months payment. When I discovered this I called and asked Navient to correct the issues and was told they could only correct the previous two payments. This continued over the course of my student loan repayment agreement. I called multiple times and the payments were still not properly allocated. I started with a balance of $ XXXX and after 3 years of making {$760.00} a month payments, my loan balance only went down $ XXXX.
I am unfortunately, a customer of US Bank and I hold Mortgage, Credit Card, Checkings/Savings, Home Equity Line of Credit accounts with them. US Bank Flex Perks travel rewards account # XXXX charged me an annual membership fee in XXXX 2015 for {$49.00} and I never knew about it as no note was sent to me, which is very unusual and objectionable. After which, they just kept going by adding interest and late fees till XXXX XXXX 2015, when I logged in to my account and checked the transactions, it was already past 60 days late. They never bothered to send me a note in any form that they charged me a fee and that it was late by 60 days plus. They were very prompt in reporting the same to the credit bureaus and sabotaged my excellent credit score of XXXX by XXXX points and I am not sure what else would be coming my way. I dispute any reporting of the delinquencies on my account and hold US Bank totally responsible for the damage caused and any future damage. It has been proved yet another time that these Big Monster Mega Banks do n't care an iota about their loyal customers.
A fraud alert was placed on my Equifax reporting with the old/ incorrect phone number. Now when I try to apply for credit, the company 's will not talk with me.
In XXXX, I wrote a letter to Equifax , asking them to investigate errors on my credit report. Four months and several follow-up letters later, I have still not received a response from Equifax.
Filed Bankcruptcy in XXXX got Discharge in XXXX. Included in that bankruptcy was the Home Equity line of credit from Suntrust Bank. For some reason Suntrust Bank is saying I have a past due payment of {$4100.00}. from this Home equity line of credit. When the bankcruptcy was file there was no past due amount. Also on my regular mortgage payment it has been current up to XXXX/XXXX/16. I need for Suntrust to correct his error in statement on my credit. ( Documents provided )
car was total, i purchase gap ins, and ext warranty. My ins co pay me to get a replacement car, gap ins and warranty were in the loan. Bank is a holder in due cause.     I want all add interest and late charges credit, refund on ext warranty, and gap ins to pay off the loan.     none of this been done as of date.     I did what the bank informed me to do, when to the dealer, cancel ext warranty, gap insurance does n't want to paid off the loan, because my ins co gave me more than the value for the car, but that is because i paid for replacement value, none of thier  XXXX  business what i was paid on loss.
I have previously disputed these medical debt online with the credit reporting bureau 's and each time they continue to say the accounts are verified, but yet I never received anything and the debts would stay on my reports. Finally I sent Alliance Collection Agency a debt validation letter invoking my rights and utilizing the Texas XXXX XXXX. I specifically asked for XXXX XXXX info so that I know Alliance Collection is licensed to collect a debt in the state of Texas, I asked for some sort of a signed contact that authorizes Alliance Collection to collect this debt for the medical provider. I asked for a signed contact that was allegedly signed by me that I authorized the medical services. I asked for a number of things that I am entitled to under the Texas XXXX XXXX and I was ignored. When these debts originally happened years ago, I had an issue with identity theft and my brothers would take my personal ID and use it at their discretion. My brothers and I look a lot alike and that is why I find it absolutely important that I know these debts are mine and that I was not another victim of identity theft. I have had to deal with courts and police officers from the past because when my brothers would get in trouble, they would use my name and I would have to deal with it. Under Texas XXXX XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Alliance Collection Agency a debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests.And it has been well past the 30 day mark! I mailed the above named company I letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Alliance Collection Agency and I would like all accounts with Alliance Collection Agency removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. In my supporting documents, you can see all the account numbers I referenced and that I needed debt validation.Thank you so much and I really hope the CFPB can see that alliance collection agency has taken advantage of my rights and the law. You are my last hope for resolving this matter and because of Alliance Collection Agency I have been in extreme anxiety and other forms of XXXX because of the grief they have caused me. I have tried so many times to handle this matter as an adult and take care of it responsibly but they have ignore my every request. Have a good day.
I have in my XXXX XXXX collection account from I C SYSTEM and I already call the collection company and they said, he cant find nothing in my name or social number, when I tell the person in the IC SYSTEM I have this debit colllection he said he cant take off from m report credit because he cant find anything about the debit account, in my name or social security and I want discharge this because not body know anything from this account.
Did not receive ANY communication regarding overdue payment from Macy 's credit card, nor notice of it having been sent for collection. I only became aware of the debt upon taking my credit report. When I called Macy 's credit card and asked about this, pointing out that although I had moved, I had mail forwarding in place, I was told that Macy 's does not allow the post office to forward their mail -- they must instead return it to Macy 's. I was told that this practice is legal because it is stated in the original agreement. 
I do not understand how a company is allowed to have a practice that clearly makes it impossible for them to notify a customer who has moved about possible overdue payments. I had no recollection of owing money to Macy 's, and in addition to not receiving a reminder letter I have not received any phone calls ( my number has not changed ) or e-mails to that effect either ( I do, however, still get Macy 's ads and member deal reminders via e-mail ). 
My credit score has suffered considerably as a result of the lack of communication from Macy 's. I am in the process of buying a house, and a small debt -- less than a {$100.00} -- will now likely cost me thousands of dollars in higher mortgage rates. I find this entirely unfair, as I would obviously have paid the bill if I had know it existed.
I submitted a complaint to CFPB ( XXXX ) and Santander denied the allegation and were snide in their response as well, I might add. Per Santander 's letter dated XX/XX/XXXX, 'We respectfully decline to request any changes to the information provided to the credit reporting agencies '. To this I reply, " Santander, you are not at liberty to decline. It is the law that you delete the information per The Fair Credit Reporting Act and the State Attorney Generals Office of Consumer Affairs, because it is not accurate information as you purport. '' You are not truth telling when you state in your letter that you are reporting in a consistent and accurate manner to the agencies. I have attached, and have hard copies, from the three different credit bureaus to prove that you in fact have been reporting different balances and payment histories to all three agencies, to include wrong/different reporting for the month of XX/XX/XXXX. Ill regardless of my payment arrangement, that I made a payment on today, you must delete the account as I am requesting by law, as you have violated credit reporting laws, and refuse to obey and delete. '' In your letter you mention a {$100.00} difference you credited me in the total remaining balance on my settlement agreement as the reason for the credit agencies having different totals, etc. The difference you are reporting to XXXX and XXXX is a {$2700.00} difference. And the XXXX  difference in comparison to what is being reported to XXXX is $ XXXX.You Santander , suggest request that I contact the Credit reporting agencies regarding discrepancies. You contradict your earlier statement of, 'Santander is merely a furnisher of credit information, and not the agency, and has no control of the contents of credit history maintained by the agency. ' You are the original reporter and must request that they delete this inaccurate/inconsistent account from all three agencies. I did not say delete my payment arrangement, I said delete this account off my record as is your responsibility to me the consumer, per fair credit reporting laws.
Remove Late Pay for XXXX XXXX  2017, please see attached that could not go through when processed online. Remove late pay for XXXX 2017.
Hello, My loan was refinanced and the title for the car has not been sent to us, which was suppose to happen months ago. I spoke with the branch Manager in the XXXX Mn location and still have not received the total for the XXXX  XXXX XXXX.
I started a dispute on XXXX XXXX, XXXX stating that several accounts were invalid and should be deleted from my file immediately. Within XXXX days XXXX completed there investigation and stated that some accounts were verified. so I then sent letters Asking them to send me documentation as proof of the verification that they stated they obtained from the creditor which should include copies of all original contracts bearing my signature. XXXX has never sent me this Proof. the FCRASection 609 states that they must conduct a 100 % verification Investigation during the dispute process which should include all original agreement documentation bearing My signature.
100 % HONESTLY TRUTH! 
Ocwen Loan Servicing Company and XXXX XXXX XXXX XXXX. 
Apparently, Ocwen came to my loan from out of no where- Ocwen has invaded my property located at ( XXXX XXXX XXXX XXXX XXXX FL XXXX ) ( XXXX ) XXXX ). That Property has two original owners : XXXX XXXX XXXX Years old and XXXX XXXX. In XX/XX/XXXX, Ocwen Made or signed a fake or an illegal loan modification. However, the original owners did not sign it. But, has altered both XXXX XXXX and XXXX XXXX signatures. I have explained that to Ocwen 's Ombudsman office numerous times. 

Me, XXXX XXXX Original Owner signed at the closing in ( XX/XX/XXXX ) have never ever seen the modification document until after 3 years. I told Ocwen Ombudsman office that was done wrong but, let 's fix it ; Ocwen has refused to give us another chance. My Loan balance was only {$60000.00} then it now ( {$120000.00} ). Ocwen has never wanted to accepted less than {$10000.00} from me as payments. As a result, I never paid but I have the money available to pay my monthly obligation. This month, without notifying me ; I found out my property will be sold XX/XX/XXXX. That is totally wrong and illegal due to the S.A.F.E, RESPA, TILA, and HARP of XX/XX/XXXX-XX/XX/XXXX. I have begged ocwen to accept my monthly payments but they refused in order to steal it from me. Ocwen and XXXX XXXX XXXX XXXX are roping me. I am a U.S Citizen and I need help please! I am also contacting News reporters like XXXX, XXXX, XXXX, and the local XXXX News to explain my situation! And then, Ocwen 's Lender Place Flood Insurance XXXX XXXX/XXXX did not even visit the House after Hurricanes Irma even though I reported a loss Claim. 

Thanks a million!
Originally had a card with an annual fee, upgraded the card to one without an annual fee 1 year from the original open date. Still charged the annual fee for the old card and they refused to reverse the transaction even though the representative I upgraded the card with said it would be reversed.
ON XX/XX/2018 i sent a certified letter to XXXX XXXX asking them to validate on a account i never received any bills prior to the debt hitting my credit report, the total amount of debt balance is {$2600.00}. It has been over 45 business days and the company has not replied to the certified letter asking for validation that they recived XX/XX/2018. This company has now violated the rules and this debt should be removed.
I refinanced my student loans in XXXX of 2018. American Education Services was one of the loans that I refinanced. The 3rd party sent a check and there was an overpayment to AES in the amount of {$390.00}. I have yet to receive those funds from AES, it is almost a year. They stated they sent the original check to the 3rd party in XX/XX/2018 ( unlike all other student loan companies, banks, financial servicers who refunded to me directly ). I called in XXXX, XXXX, XXXX and XXXX. I spoke with many representatives and supervisors. Each time I was assured I would receive a call back, as none of the representatives in the customer service area could answer my questions about the address the funds were sent to, how me and my account were referenced on the check, how they knew what address to send the funds too and if the check was cashed ( which I kept receiving varying information ). AES refuses to send the overpayment to me directly, and will only send to the 3rd party who sent them the original check to payoff and close the loan. I believe this practice is a violation of UDAAP ( unfair, deceptive, abusive, acts or practices ), as the 3rd party has stated they never received anything from AES, I have not received the funds and AES appears to not reconcile their records as they have an outstanding check for almost a year. I also believe this is a UDAAP violation, because during one of my many conversations with AES, I was advised the check to the 3rd party included other customers funds as well. I am not the only one this is occuring to. I am willing to bet there are quite a few people out there who have yet received their overpyament from AES. 
Finally after a CFPB complaint in XX/XX/2018, AES stated they re-sent another check to the 3rd party. Still nothing. I need to know where AES mailed the funds, how they referenced me and my account with the 3rd party and if the check has been cashed. If the check has been cashed ( which again the 3rd party has stated they never received anything ) I need a copy of the cashed check and the information above. If the check has not been cashed, I believe the only recourse for AES is to overnight me the overpayment directly.
In XX/XX/XXXX I called CITI mortgage account number XXXX to pay an extra month in hopes of paying on the interest for the month. My normal payment was set for XX/XX/XXXX and this is set for Auto-pay. ( Note my account has been on Auto Pay for the entire year ) XX/XX/XXXX CITI attempted to deduct the normal amount/extra payment I set up, and in unbeknownst to me the payment did not process. At that point in time CITI without my knowledge suspended all Auto pay features and without my approval. Two months passed and I was under the impression the bill was getting paid as usual. However, since CITI stopped my auto pay, I am now two months behind on my mortgage and they reported the late payment to the credit Bureau which will no adversely effect my credit rating. Additionally, the sold my loan to a third party servicing company without my knowledge and approval on XX/XX/XXXX. I called CITI to have them correct the reporting, but they told me they were not able to assist.

A fair resolution would be to have the late payments removed from my account and history as well as advise a consumer that when they attempt to make and extra payment outside of auto pay, that the auto payment feature will be cancelled without cause. Lastly, as a consumer they should not be able to sell my loan without notifying me or approval. I 'm currently working overseas in support of the XXXX
Date : XX/XX/XXXX orignal Loan XXXX Balance:XXXX
LEXIS-NEXUS IS UNLAWFULLY FURNISHING PUBLIC RECORD NO.XXXX ON MY XXXX  IN ERROR AND HAVE DISPUTED SINCE XX/XX/2018. SEE ATTACHED.
I went to XXXX XXXX  XXXX showroom on XX/XX/XXXX to purchase a car! I had a pre-approved load from XXXX. The Finance manager in the showroom told me that he can offer me the same interest rate from XXXX and insisted me to take the loan from them as the documentation process will be done right away! He asked me to provide my details and gave the details to him and told him that I approve only 1 hard enquiry on my credit report and will not accept multiple hard enquiries as I already have a pre-approved loan. 

I have been deceived and I see 6 hard enquiries on my report which I have not approved. 

XXXX - Unauthorized hard enquiries XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX Equifax - Unauthorized hard enquiries XXXX XXXX - XX/XX/XXXX Please do the needful!
I have tried multiple times to lower my payment from my loans, when I first graduated college I was paying near to almost XXXX per month, then they slowly lowered the payment by extending the loan terms but also keeping me at a 9-10 % interest loan. at one point they had me on a program where they lowered my loan payment by cutting the interest in half to help, but after a year I had to re apply after making faithful payments for that whole year, and they denied me for that program. I recently called in to Navient, ant they stated that I do not qualify for anything without even questioning my income or current situation. I am just very frustrated with Navient/XXXX, for how they have treated myself and young adults and should be more flexible because I have had to put my life on hold of buying a house, and causing my credit to crumble at one point because of them not being flexible.
I Paid USAA XXXX for a credit card payment electronically ( initiated from USAA ) from my XXXX XXXX Checking account. The amount cleared my bank onXX/XX/XXXX2017 and shows it being deposited to my account in USAA Credit card. The Credit Union will not release the funds until XXXX or XX/XX/XXXXto credit my account, because, as the executive problem resolver informed me, " Your funds are being held up by the Federal Reserve ''. They could not give me any formal written policy that says that this is allowed with my Credit Card Agreement. The Federal Reserve informed me that they " do n't hold funds '', and told me to contact this agency.
Paypal is holding my funds refusing to release and continues to not remove the hold time on my account even though multiple employees confirmed I was verified and shouldering have funds pending. This is punitive and without cause. I believe they are holding funds for the specific reason of doing night sweeps into interest bearing accounts to monetize the held fund from all their clients. I have now spent 2 months on tis issue and each time a payment is held I work with the service team to their to ensure I am verified and in good standing to not have a hold on my next payment. Once again they hold it. They are deceitful and dishonest. 

The best part of this whole situation is I just found out now each time i have called an requested the funds be released early, there staff is instructed to make a request. The request actually goes to the same department and know that they are unable to actually approve the request. This is done to stall the consumer to further help paypal fraudulently hold funds.