WillisBack/dataset-financial-user-claim huggingface dataset:
The XXXX Navient private student loans held in my name with a co-signer was up for yearly repayment plan review in XXXX of XXXX. The repayment plan generally lowers the interest rate of the loans from 13.9 % ( or thereabouts XXXX to between XXXX % based on income. Since initial enrollment in the repayment plan in XXXX, I had not missed a single payment. In XXXX of XXXX, I was informed by a Navient agent via telephone that my household bills were substantially higher than my income and Navient would not grant me a rate reduction plan, as they had during the XXXX years proceeding the conversation. Based on the commentary Navient 's agent provided, they would also not grant a rate reduction due to the co-signer on the accounts making enough to pay the loans. As of XXXX XXXX, Navient refused to provide a lower, affordable interest rate or enter into a negotiation of a reasonable payment plan. The original loans were each in the amount of $ XXXX for a combined total of $ XXXX. While in school, I was forced into deferment until after graduation due to the high costs of housing vs. low wages and had to maintain specific requirements of occupation to further my education. In the time it took me to finish my XXXX degree, parent, and work strictly to survive, the loan balances doubled. In XXXX, I had requested Navient to retro activate the interest on the accounts to the original loan amount ( that being 3.5 % on $ XXXX XXXX. They refused. The loan balances are now paid down to approximately $ XXXX as of today, XXXX XXXX, XXXX.
I walked into a Keybank branch in XXXX, WA on XXXX/XXXX/XXXX to figure out what promotions they had for new customers. I was told by a XXXX that I could get {$300.00} for opening an account with deposits of {$1000.00} per month. I agreed to opening the account. After the account was opened she told me that I had to have at least one deposit of at least {$1000.00}. I told her that I was traveling and I 'm not sure if I could do that. We agreed to reverse out the account due to her negligence in telling me the {$1000.00} requirement and I would come back tomorrow to open the smaller account with less requirements. 

I came in the next day XXXX/XXXX/XXXX and opened the account. She called her internal department to ensure that she was n't going to be penalized and that I was still eligible for the promotion. She was told that I was and we opened the account. After I thought I reached the requirements I contacted her ( XXXX ) by phone and she confirmed that I had and that I should get the money without a month or two. Time passed and I never got it. 

I called her multiple times and even went into the branch and each time I kept getting promised a call back and never got one. She finally called today and told me that because her computer system saw the first account opened and closed the same day, I am not considered a new customer and there was nothing I could do. 

I would NOT have opened the account had I known I would have jumped through their hoops just to be told that there was nothing they could do and they were sorry. 

Their agents admitted that I should qualify but because of the system glitch created by XXXX, it is preventing me from getting they money promised.
This complaint is for Equifax written dispute sent XX/XX/XXXX requesting removal of XXXX XXXX XXXX based on this company knowingly submits false and inaccurate information to keep my credit in a negative rating which allows lenders to then charge higher APR as well. Proof was submitted to show that XXXX XXXX was the first to open account for collection of {$1500.00} with first date of delinquency as XXXX. The results from Equifax stated account belongs to me but the my dispute asked for removal of this company based on dates and inaccurate information on my credit. Verbiage also on results state " Once an account has been opened, the account may appear on the credit file for 7 years or 10 years from the date reported. '' Based on this and proof Equifax should have removed XXXX from report but instead they allowed them to update status on my file and report as an open account with First date of delinquency as XXXX. Equifax is allowing XXXX to violate Federal laws put in place to protect consumers from misinformation on reports being used against us in a false or negative way in order to collect a debt. This debt is no longer owed.
I have been exploited financially by my mortgage lender, 5/3 Bank, by their predatory lending practices. I am and XXXX XXXX XXXX and was advised by 5/3 Bank to do a military financial hardship package because my residence was damaged during XXXX XXXX. My home was in a declared disaster area and a 5/3 Bank employee ( named XXXX ) encouraged me to do a forbearance plan in order to afford the repairs on my home from the hurricane. She told me that a forbearance plan would allow me skip 3 months of mortgage payment without penalty and would help me get through the devastating financial blow. I did as she suggested and skipped XXXX, XXXX and XXXX 's payments, resuming regular payments in XXXX 2017. I sent several follow up calls and emails to XXXX, but she stopped responding entirely after I had skipped the 3 months of payments. 5/3 Bank has used the skipped payments to justify foreclosure and has been sending documents and my mortgage payments to the SC home, despite knowing that I do not live there. They have illegally presented fake mortgage assistance and disaster relief options and have manipulated this situation to create justification for foreclosure. Additionally, they have used this false pretense to charge me late fees and are claiming I owe over {$10000.00} in missed payments because they have returned my mortgage checks to me. I have been preyed upon by 5/3 Bank because they know I am XXXX XXXX, divorced, supporting my XXXX year old daughter and XXXX mother and was relocated to a state that does not have physical 5/3 locations to dispute their illegal actions. I have also expressed to them that I am undergoing XXXX treatment and am unable to communicate during working hours because of this.
this debt collector is calling me in excess of XXXX ( XXXX ) times a day from an computer assisted auto-dialer it looks like and it is very cumbersome
Citibank had a promotion which stated if you opened a checking account with them and deposited XXXX for one month and XXXX for 3 months they would give you a {$400.00} bonus. I fulfilled all the requirements in XXXX. According to customer service I was supposed to receive my bonus in XXXX. I called in XXXX when I had not received it and they said I had to turn in a XXXX in order to receive the bonus. That was never in the advertisement and fine print and they do n't ask for it until the very end when you are expecting your bonus. I called them again and they said they finally received my XXXX and that I should automatically receive the bonus in XXXX and to contact them should I not see the bonus and they would automatically apply it to my account. I check in XXXX after my statement closes and still no bonus. I send them a message that the bonus still has n't hit my account and they reply back saying they will open yet another investigation into the matter. I feel very deceived and abused by Citibank 's practices that they have not yet honored the terms of the conditions in which I was supposed to receive the bonus as a new customer. The investigation stated I might not receive a response for yet another 30 days which I feel is unfair as I had met all the requirements in XXXX and submitted the XXXX in XXXX.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX  , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  , ohXXXX. 
Please remove the following numbers : XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX
Loan application was processed, but lender did not provide the " Loan Estimate '' Disclosure as required within 3 days.
I have had multiple conversations with the Navient where I was not given a choice of paying as much as I could towards my loans. It is already terrible enough that students have to be in debt tens of thousands of dollars from higher education, however the lender gave no options of lower payments when I could not pay their minimum payment. We would discuss my bills ( I live in NYXXXX ) and I could not afford their monthly payments. This negatively effected my credit score, thus making my life very difficult. Even when I lost my job, the phone calls kept coming. They harassed me and my co-signer. My credit is now below XXXX. I had a choice to make, pay my student loans or pay off my credit card debt I accrued from losing my job. I paid my student loans and in order to stop the phone calls and now I am still struggling with my credit card debt and terrible credit.
Threading to take action against myself and contacting others on my reference list about my bill violating my privacy laws in the state of California. Threatening via email XXXX a violation of my rights in ca ... .California has laws regarding debt collecting that 's does not change as you feel it should learn the Laws in California ... ...
A company is attempting to collect debt that I do not owe. There is documented proof that I paid all bills on time ( through XXXX XXXX XXXX. They charged my bank account every month after I sent a check in ( I have bank statements to prove this ) under XXXX account number ( with name, address, phone number ), but they would call me every month saying I did not pay and disconnect my internet. I called them multiple times and complained about this issue and they did nothing to fix it. It was discovered that they had XXXX account numbers under my name ( their mistake, as this was the first and only time I used their service ). Because of this mistaken second account, they are sending me to collections. I paid payments as necessary every month. I should not pay any debt, as there is none. I sent this proof to a collection agency last spring and now I 'm being contacted by another agency regarding the same collection. What can I do? Also, will this harm my credit score? If so, XXXX XXXX needs to fix it, as it is their fault, their mistake.
In XX/XX/2018 I disputed an inaccurate account with Transunion the account which is XXXX XXXX XXXX # XXXX. Transunion investigated and it came back verified. In XXXX I sent in a certified letter to Transunion for a Method OF Verification. This is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Transunion via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Transunion received the letter ( METHOD OF VERFICATION ) on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Transunion completed their investigation with the account XXXX XXXX XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Transunion have violated my rights and need to remove the account from my credit, I am filing a small claims for the non-compliance and violation of the FCRA. This is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file. A debt is not valid unless there is an original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the company. Transunion violated laws and my rights and refused to send me what I Requested. Per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Transunion received the certified  METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,, I Should have got the METHOD OF VERFICATION. I was entitled to see that information so they refused to send it. You are not asked to delete the account or I am entitled to damages from this company for the non-compliance I am taking this to court if not removed a.s.a.p. I AM ALSO PROVIDING PROOF FROM XXXX THAT THEY WAS IN THE SAME VIOLATION OF MY RIGHTS AND LAWS AND FCRA, XXXX  REMOVED A ACCOUNT FROM MY FILE DUE TO THEM NOT SENDING MY METHOD OF VERFICATION AND TRANSUNION IS IN VIOLATION ALSO. I HAVE ENCLOSED A COPY OF XXXX RESONSE TO MY COMPLAINT WITH THE CFPB ON THEIR NON COMPLIANCE FOR METHOD OF VERFICATION.
This complaint involves Wells Fargo Bank. In 2013, I received an auto loan through Wells Fargo Bank for the amount of {$6000.00} to purchase a XXXX XXXX pick up truck. The loan was co-signed by XXXX XXXX. XXXX filed for bankruptcy a few months after the loan had been established. I continued to make the monthly payment to Wells Fargo Dealer Services for several months. The truck was involved in an accident when my wife rear ended another vehicle. The XXXX XXXX was deemed salvaged. My insurance company at the time, XXXX, obtained a payoff amount from W.F. Bank. They issued the check and mailed it to the designated post office box. I called several times inquiring on the status of the payoff and was told by numerous Wells Fargo employees that it can take several months for the payoff check to be processed. I ran my credit and noticed that Wells Fargo had reported that I was late on my auto loan payment. I immediately called and was told they never received the loan payoff check. I contacted XXXX XXXX and was provided proof that the check had been issued and mailed to Wells Fargo. I got on a three way call with Wells Fargo auto loan customer service and my XXXX XXXX claim 's representative who confirmed to Wells Fargo that the check had been issued months ago. XXXX obtained a physical address from Wells Fargo which they could send a new payoff check to along with tracking information. Wells Fargo received the check within the week. They are now reporting to my credit that the charge off amount is {$1.00}. I have been to several branch locations and spoken to several " managers '' who assured me the error would be removed from my credit. I recently applied for a Wells Fargo credit card and was denied due to having a late payments to W.F. in the past. Meaning they are still reporting this erroneous account on my credit. I have never been late on any payment and I have no idea why Wells Fargo refuses to remove this from my credit even though they assured me ( I 'm sure just to get rid of me ) it would be take care of. I would really appreciate any assistance you could provide me. I have tried to work with Wells Fargo but am at my wits end. Thank you.
I have just co-signed the financing of a vehicle from XXXX of NY today ( XX/XX/2018 ) and have noticed that in addition to the bank and autocompany credit inquiries, there is a third that I do not recognize : XXXX XXXX, XXXX Inquiry : XX/XX/2018 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I did not approve this and do not approve this. I am worried as to where it came from.
This involves a closed " derogatory '' account on my Equifax bureau report.     The original creditor,   XXXX   XXXX   XXXX  , reported a past due credit card account to the Equifax  bureau  in  XXXX . In  XXXX ,   XXXX   XXXX   XXXX   sold this account to a debt collector,  XXXX   XXXX . This account has since ( and is currently ) reported as an " open collections '' on my Equifax credit bureau report under  XXXX   XXXX .     The problem that I have is that the original   XXXX   XXXX   XXXX   account is still listed on my file as a " closed account. '' So I 'm being penalized for the same credit card account twice - once as a   XXXX   XXXX   XXXX   " closed account '' and once as a   XXXX   XXXX   " open collections account. '' It 's my understanding that this is " double jeopardy '' where I am being affected twice by one single account.     While Equifax did an initial investigation via a prior CFPB dispute, they determined that the "   XXXX   XXXX   XXXX   '' closed account as verified and it remains on my report. I am not disputing that I have a credit card collections matter with   XXXX   XXXX   XXXX  . But this matter is reported as an open account, "  XXXX   XXXX . '' Therefore, per the " double jeopardy '' credit reporting statute, the original "   XXXX   XXXX   XXXX   '' closed account should not, simultaneously, be on my report.
Collector did n't want to give me address so I can mail in payment said I have to pay the whole thing they would take payment with out a large deposit. And have repeatedly call my cosigner 's mother and sister and threatened to take there pay.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
I filed a dispute for non-receipt of product/service for a purchase made today, XX/XX/XXXX, in the amount of XXXX. The transaction ID is XXXX, email is XXXXXXXXXXXX. This appears to be some sort of scam as the person ( s ) who received the funds do not reply to direct messages via XXXX and or email, a video was ordered and not received. The person ( s ) no longer reply to direct messages as well as emails, they were reported to XXXX as spam/scammer. I advised Google Wallet, the service used to send the funds and dispute was filed. However, due to past experience with this company, Google Wallet, they do little if anything to resolve disputes. I previously filed a debit card dispute for a deposit in the amount of XXXX left with a XXXX dealership and had to go to merchant directly, filed several complaints, before merchant agreed to refund. Google Wallet did nothing.
PayPal has been harassing me non-stop over the last year with constant methods of trying to steal my money in addition to their exhorbitant processing fees they charge ( 30 % versus regular 1-2 % by merchant services ) because they say their internal security model is so superior they say. However for no reason and out of the blue today I got an email that says their going to seize a huge portion of all my credit card transactions to " build up a reserve '' even though I 've never had a chargeback against me and I 've made them a ton of money in fees over past 1 year. Please investigate them aggressively and get this nonsense off of my back.
Little to no communication from Freedom Mortgage. They purchased my home loan 2 months ago. I have not received any payment or billing information. I only received an account number after calling customer service. I was threatened with a late fee if i didnt make a payment on their website. I was told they dont accept electronic payment from XXXX XXXX XXXX and making a payment through my bank will result in a late fee as they have to mail a check. I will not make a payment on Freedom 's website as i have zero confidence in this company. With XXXX XXXX XXXX there is a tracking system for payment and more assurance than what Freedom is providing. They have horrific communication and unsatisfactory customer service.
I tried to transfer money that I have had on XXXX for months because I'm in need of it. and when I tried to transfer it said that capital one has blocked me from receiving it.
Still having an account listed by name of XXXX XXXX/XXXX XXXX showing on my report ... ... is not mine ... ..XXXX XXXX acknowledged they have no contract with me, they acknowledge thy can not verify who opened account, which is why they also placed in their " internal Fraud file '' ... .yet XXXX, along with other credit reporting agencies continue to permit this to show on my file.XXXX has no document that verifies this account is mine either. So, if XXXX has no documents, XXXX has no documents, Experian has no documents, XXXX has no documents ... ... .on an account that I do n't have/nor ever had ... how is it I am the one left with the XXXX XXXX, and having to deal with BAD INFO??? This system of " credit reporting '' is a very archaic, broken system ... ..of inaccuracies and unverified sources. I am beginning to better understand the system ... .if it 's wrong ... ..list it ... ..if it 's unverified ... ..list it ... ... if it is not theirs ... ... list it ... ... great system of XXXX ... ..who needs ropes and chains ... .. an inaccurate credit report ... which is REALLY A DEBTOR REPORT, replaces ropes and chains mighty nicely.
I paid debt with Midland credit company in 2013 in the amount of XXXX for a unpaid bill XXXX. Midland Credit will not reach out to XXXX to let them know the debt has been paid. XXXX still have me owing a bad debt
Finally a credit dispute with chase bank amazon credit card is now done thanks to " cfpb ''. They have reversed all late charges and credited all fees etc. Their mistake now has dropped my credit score from excellent to good and has cost me an additional {$120.00} on my homeowners insurance policy renewal. This is ridiculous all over their initial mistake. Chase vowed to repair my credit score and withdraw the late payment " dings '' on my credit score, but again their shady business practices have left my perfect credit score ruined. These fraudulent business practices by chase XXXX of the largest banks in the country are getting old and they need to be held accountable. I demand my credit score be prepared and also demand proof that it has been corrected.
Reporting as open and late payments. This account was charge off by original creditor. This violates FDCPA 15 USC 1692 XXXX ( 2 ) a, ( 8 ), ( 10 ) and 1692f. by using deceptive reporting to attempt to collect a debt and negative influence creditors that are looking at my credit. I already file a dispute with all XXXX major credit bureau. 
The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Repeatedly calling my number for a person not at this number. Have told them they have the wrong number but still calling but not responding to my " hello ''