WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from one of my loan services Navient dated XX/XX/XXXX stating that I needed to renew my repayment plan. The letter stated I needed to reapply by XX/XX/XXXX and gave XXXX as an option for reapplying. 

On XX/XX/XXXX I submitted an income driven repayment plan application online at XXXX XXXX to be sent to both XXXX XXXX and Navient. 

On XX/XX/XXXX I received an email from Navient stating my electronic application for an income driven repayment plan had been received. It also said that if I used the IRS data retrieval tool- which I did- that there was nothing I needed to do now. 

I received a letter from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX stating that my IBR payment had been recalculated and was effective until XX/XX/XXXX. 

On XX/XX/XXXX I sent a letter to Navient explaining that I had submitted my information online for recertification and had received email conformation from them on XX/XX/XXXX that they had received it but had heard nothing since. I asked for written confirmation that my account had been updated. 

On XX/XX/XXXX I received an email from Navient stating that they had not yet received my renewal application.
On XX/XX/18 I was depositing {$500.00} into my account at a Chase ATM location on XXXX XXXX XXXX  XXXX, XXXX Ca. When the ATM asked me to insert the money I did so and it rejected one of my {$20.00} bills. When it asked me if I wanted to deposit more I said yes. Then I finished my transaction and I asked for a printed receipt. When the receipt printed the atm only gave me credit for {$20.00}. I went straight to the XXXX XXXX branch to make a claim. The teller told me that they would credit my account and investigate. On XXXX I received a letter saying they couldnt find the money and I would be deducted that credit. When I went back to claim that it was wrong the employee over at the XXXX location claimed that they have had problems similar to this at that ATM.
Someone created a virtual card corresponding with my Bank of America credit card. Between XX/XX/XXXX & XX/XX/XXXX they charged XXXX {$5000.00}. We ( my wife & I ) use the card 1 or two times per month. Saturday, XX/XX/XXXX @ XXXX I received a text asking if 3 listed transactions were fraud, I texted back " yes ''. When I got home later I called Bank of America. By talking to the BoA associate I found out that these were fraud charges numbers 7, 8, & 9 on my card. We cancelled both of our cards, they re-issued new cards we were to receive in 7-10 days. I thought this would suspend all charging to my account until we activated our new cards .... Fraudulent charges continued immediately the next day and through the week.

I received another text from BoA on Friday, XX/XX/XXXX @ XXXX asking if the 3 charges listed were fraudulent, I replied " yes ''. One of the charges was XXXX XXXX XXXX, obviously some Asian fraudulent looking charge. I again called BoA and talked to an associate, found out there were charges throughout the week. We cancelled the cards that we hadn't even received yet. They removed all the charges from our record. 

We received a letter XX/XX/XXXX stating that they investigated & thought there was " NO FRAUD ''. The charges went back onto our account. I called BoA in early XXXX re-stating that these charges are fraudulent, we had our credit cards in our possession, we didn't loan them to anyone, & we did not make the charges. They removed the charges. 

We received two letters XX/XX/XXXX stating that they have completed an investigation and concluded no fraud. 

On XX/XX/XXXX I sent a certified letter to BoA re-stating the charges were fraud. I had also found many mistakes in there letters & billing. 1 ) No fraud on accounts ( credit card numbers ) where we weren't claiming any fraud. 2 ) Charges on our bill where they indicated that the charge was declined in the text that they sent me. 3 ) That we had never created a virtual card associated with this credit card. ( Why create a virtual card if we have chipped cards? ) 4 ) That we don't recognize the phone number associated with this credit card. I NEVER RECEIVED A RESPONSE TO THIS LETTER! 

On XX/XX/XXXX I sent ANOTHER certified letter to BoA asking them to 1 ) Remove the fraudulent charges, 2 ) removed the finance & interest payments, 3 ) Send me an accurate statement, 4 ) Send me evidence, logic, & reasoning as to why they think these charges are not fraudulent. 

On XX/XX/XXXX I received a letter from BoA stating we've reviewed your claim, we still think there is no fraud. We know you disagree, but we're not going to resolve in your favor.
I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcyXX/XX/XXXXunder file XXXX and put this XXXX XXXX XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day XXXX Acct number XXXX Current due XXXX LVNV Funding LLC re ; XXXX XXXX XXXX
Lexis Nexis has sent me XXXX or XXXX Credit Reports with my XXXX XXXX name and information. The more I complain, the more he is reported as myself and the less my actual name appears. I move the dispute to to XXXX Level. The FIX is to punish me, change my name to his while listing reports in his name belonging to his Credit.
I received a letter from the company CMRE Financial Services stating that I owed there company. Over the past couple of days I have paid ever balance owed to the original company which is XXXX   XXXX XXXX.
Sent dispute letter to Trans Union LLC on XX/XX/2017, challenging the accuracy of its reporting of inquiries ; employment ; promotional suppression ; name and address. As of date, I have receive no response.
I paid the bill XX/XX/19 I called company XX/XX/XXXX to inform that payment was made via their own website as per their letter for acceptance of a reduced payment option. They reported as derogatory on my credit on XX/XX/19 even though I gave verbal confirmation receipt information and was assured that it was paid in full. I received notification from experian that this was reported. they are in violation of federal consumer protection laws. 
Thank you. 
XXXX XXXX XXXX XXXX
I submitted claim XXXX previously about money stolen from my US Bank cards. I received a response from US Bank saying that they would reinstate balance on my cards and mail me replacement cards. I received replacements for all cards, except the card ending XXXX. I contacted them several times over the phone asking about this card and each time I was told that they would escalate and I should receive a replacement card with {$200.00} balance within few days. It has been several months and I have never received a replacement card.
I am showing an account reported by XXXX XXXX on my credit bureaus. I have tried to get this removed numerous times without any luck. They are currently reporting as a collection that was included in a chapter XXXX Bankruptcy XX/XX/2012. The original creditor shows XXXX XXXX XXXX. I have never had an account with them nor have I filed a bankruptcy. This information is incorrect and I would like this removed as it is hurting my creditworthiness and my ability to purchase my home.
I began receiving calls from an unknown number on XX/XX/2018. The caller left numerous voicemails even after speaking to me. The caller stated that she is a process server and would be serving me at my home or job and instructed me to call XXXX with a reference number. The same caller left a message for me the same evening. This morning, XX/XX/18 she called again and left the same message. I called the number provided, XXXX and asked what company I was calling. He stated XXXX XXXX XXXX or XXXX. He proceeded to tell me that Bank of America was going to sue me for {$1400.00}. He said that I could either pay the amount in full or give a refusal after which XXXX Bank of America would proceed with a lawsuit. I stated that I would like to speak with Bank of America and he said he could not provide any contact number for his client. I advised him that I would still be contacting Bank of America. He then stated I needed to call back before the process server was scheduled to come out and serve me at XXXX today, XX/XX/18. The debt I had from Bank of America is 16 or 17 years old. It was reported on my credit by a bill collector and removed after the 7 year period. I no longer have any documentation because the debt is nearly two decades old. When I look up the phone number XXXX XXXX XXXX XXXX, it comes up as the number to a property manager. When I look up the business name they gave me, AXXXX XXXX XXXX, no business comes up, only the definition for XXXX XXXX XXXX
My SunTrust checking account has declined overdraft protection. One item overdrew my account several weeks ago. Since then, instead of declining transaction as agreed, SunTrust has continued to approve them - often under {$10.00} - in order to charge me a {$36.00} overdraft fee for each instance. There are now hundreds of dollars in overdraft fees on the account for transactions that should never have been approved in the first place.
In XXXX 2017 I went to the Experian Credit Report official website and went there to see about getting a credit report. First item on the website, it says " Get your Credit report and Fico score '' with a hot button to click. So I clicked it and signed in ( I had already requested a report from pervious years ). From there they gave me my FICO Score and Credit Report ; after that I did n't think of Experian any more. Until I got back from an extended trip abroad and reviewed my XXXX 2017 credit card statement, and found out that Experian was charging my account since XX/XX/XXXX a monthly fee of {$21.00}. I called up Experian, and expressed that I did not order their monthly service, I also told them they should check their records, and find that I had never signed onto their web site. They said they would cancel the account immediately and credit only the last months charged. I asked that they cancel all the months, I never ordered the service ; and they declined.
Hello, My husband had been seriously ill and in XXXX for nearly a month and sadly XXXX XXXX. At my husband 's XXXX XXXX, while our family is mourning our XXXX XXXX of our Husband, Father, Brother, Friend, the Bank of the West Branch Manager, XXXX XXXX, approached me, not to give his condolences but to " demand that I make the payments current and the loan was past due ''. He continued on the say that it was my responsiblity to keep the loan payments current. Of course, I was in a state of shock that Bank of the West felt compelled to attend my husband 's XXXX XXXX to " demand payment '', XXXX XXXX, continued on with his comments for a few moments and left. 
XXXX XXXX, Branch Manager and Bank of the West should be fined and XXXX XXXX should lose his position at Bank of the West for unfair harassment in attempts to collect a debt, unlawful conduct, trying to intimidate me on the day of my husband 's XXXX XXXX and protect my privacy as well as my families privacy at a time of our mourning. 
Bank of the West should be ashamed of this type of behavior and harassment of a widow and her family during our time of mourning.
I have been making student loan payments on and off for 20 years to Nelnet. In XXXX i started making consistent payments on income based repayment plan. After 1 year the principal balance of my loan went up several thousant dollars because of interest, I called and said i wanted my payment amount to at least cover the interest so my balance would not go up. They changed my plan to an extended plan which i did not authorize. I would not have authorized a plan that would not qualify me for the Public Service Forgiveness program if it had been explained to me. I am a XXXX and told them i wanted to be part of that new program, that people were just starting to hear about in XXXX. But they did change my plan unbeknownst to me and 7 years worth of nearly {$1000.00} a month payments never gave me credit toward the Forgiveness Program. My balance never went down and now close to my retirement they told me I still owe what I owed 7 years ago and no payments went toward the Forgiveness Program. I want credit toward the Forgiveness Program for those 7 years.
I paid my mortgage on time and the full amount due. The amount I paid ( not including the online payment fee ) was {$520.00} on XXXX/XXXX/XXXX ( it cleared on bank on XXXX/XXXX/XXXX ). When I received my next month 's statement on XXXX, I noticed that there was a " payment advance '' charge for {$11.00}. When I called that same day to ask about this charge they told me that it was because I did n't make my full payment. So while still on the phone, I looked at my bank transactions and compared it to what Bank of America said I paid on my statement. The amount that cleared my bank was {$520.00} ( see attached bank statement ) but the amount stated on my mortgage statement was {$510.00}. An exact difference of {$11.00}. I 'm sorry, but this is shady business practices. They tried telling me that they 'd have to " investigate '' it and call me back. Only when I told them no and if they did n't correct it while I 'm on the phone that I 'd be contacting to FTC to turn them in for shady banking practices did they correct it. I do n't believe this is an " honest '' mistake. You ca n't tell me that a bank as big as Bank of America does n't know how much their customers pay. If they do n't then they have a much serious problem. I believe that they are systematically doing this to other customers hoping they wo n't notice a small amount such as {$11.00}. But {$11.00} over millions of customers equals a huge profit for Bank of America.
I recently became unemployed and thought I was calling XXXX to enter a forbearance and ended up talking to XXXX XXXX at XXXX XXXX XXXX XXXX, and later to his " manager '' XXXX XXXX, who convinced me ( in my desperation to not have the {$270.00} to come out of my account ) to switch my loan over with them. They stated that XXXX was being accused of " fraud '' and they could me a student loan forgiveness in which I would only have to pay {$19.00} a month. However, first there was a fee of {$690.00} to switch it over, with a monthly fee of {$230.00} or biweekly of {$110.00} in 6 payments. They gave me a " discount '' of {$590.00}, " only '' paying {$99.00} biweekly. Later, I researched them and saw several bad reviews and went to my bank, XXXX, and was advised to get a new debit card so they couldn't take money out of my account, instead of " stopping payments '' because that would cost me {$25.00} a month. I reported them to the Federal Trade Commission and was advised the same and to block all their calls and have no further contact. I have yet to make any payments to them. 


The following contact information I have for them is : XXXX XXXX & 10 phone numbers I can provide should you need or want them.
I received by mail a notice of collection from a company ( PennCredit Corporation ) I never had any comercial relationship representing an Utility company ( XXXX ) for a debt ( XXXX dollars ) in an address I never requested or had any contract for electricity.. 
I never received any call, just a letter dated XX/XX/XXXX in which they ask me to dispute the validation of the debt but today XX/XX/XXXX I received a notification from my credit monitoring indicating that PennCredit Corporation already put this account in my credit report in clear violation of the FDCP.. Less than a week of receiving a letter and they are asuming this debt belongs to me without giving me the oportunity to reply according to the regulations for collections company number XXXX in the consumer affair of New York XXXX 
Also the Credit Bureau and PennCredit are hurting my score by placing false information in my report ... 
PennCredit Corporation violate my right tp request validation of debt in writing and placing a false debt to my credit report.
There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Letter was written to Experian credit bureau to remove incorrect information of my credit report about an account which is not mine. Has already been removed from XXXX. When another letter was sent to reinvestigate or to obtain all information that was found by the credit bureau, was denied that right which is illegal due to the FCRA and was told no reinvestigation would be done and no information was given to me.
CAPITAL ONE BANK USA XXXX reporting that I was late when I was not. They are indicating that i missed a payment when I did not.
These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.
regarding account : XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.
Dear XXXX, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX/XXXX  XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX/XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like Transunion, XXXX, and XXXX to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of XXXX  citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with XXXX because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to Transunion, which I have issue with. 

I have been unable to place a credit freeze with XXXX due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.
I deposited a check for {$19000.00} inside a BOA branch on XXXX XXXX, XX/XX/2015. I signed the deposit slip. On XXXX XXXX, XX/XX/2015 it was taken out of the account as a " return item chargeback ''. I was not contacted and noticed that the amount was not in the account so I called Bank of America. They said they took the funds out because I did not authorize the check. I feel like this was the teller 's responsibility to ensure that the transaction was handled according to BOA 's policies. I would have gladly authorized the check if I knew that it needed to be authorized.
On   XXXX    , I submitted a request to Experian that they provide the method of verification on  XXXX  inaccurate accounts listed on my credit profile. This request was sent via certified mail and Experian received my request on   XXXX  . As of  X/X/17   , I have not received the requested information from Experian and the inaccurate accounts still remain on my credit profile and the results still remain as pending.
i tried to sign up for XXXX to keep track of my debts and help me reach my goals but they are blocking the service.
I DO NOT KNOW?, I live in XXXX, and after signing up on karma, XXXX to 8 months later these XXXX ( XXXX ) remarks shows up on my credit history. 
I written to both companies over two ( 2 ) weeks ago and no response, using your cfpb letters. 
I want these wrongful remarks off my credit history.
I have told this bungling clerks for [ XXXX ] years now, they continue with there self-created blunders. HOW many times do I need to repeat myself?! # SAME sloppy errors in my husbands report. This phony non-existent postal address there sloppy incompetence insists on!!! HOW did they verify something that [ never ] existed?! # Outrageous XXXX. e.g. these sloppy inaccurate blunders, are XXXX XXXX XXXX. Real XXXX here. Obvious, this is [ not ] a real postal address, NEVER MINE. emphasis added. There self created blunders [ intertwined ] with XXXX XXXX XXXX, and my husbands CLOSED XXXX, XXXX XXXX, ca XXXX also NOT MINE. There gross incompetence/willfull negligence is punitive!!! PLUS, my old XXXX cell-phone is inaccurate and cancelled, DELETE XXXX. PLUS, I do not have any shared information allowed with my husband. DELETE co-applicant XXXX. MOST incompetent blunder, I want deleted is [ XXXX ] notice statement, concerning my social security number?! XXXX I had this same_only number_ since 2011, when I established my XXXX. OBVIOUSLY upgraded by the social security office XXXX months ago. IMAGINE THAT?! # There arbitrary self created blunders are enraging. WHAT is the formal complaint process?! # These incompetent humans/employees are incapable of safeguarding personal and accurate information. I believe there sloppy credit score ratings, are based on [ how ] many complaints you file on them!!!! Reason, california is complacent with experians blunders, and being the largest. I never had any problems with XXXX or XXXX using simple common sense with my social security number, sloppy, inaccurate blunders. WHAT is the formal complaint/lawsuit process?! #