WillisBack/dataset-financial-user-claim huggingface dataset:
I had applied for Wells Fargo Credit card on XXXX/XXXX/2016 which was approved and I received my credit card on XXXX/XXXX/2016, When I tried to get online access for my credit card Wells Fargo refused to provide me with online access. ( I had checking account and credit card with Wells Fargo before with online access. They had limited my online access for concern of fraud however after their extensive investigation they did not find any fraud on my side, however they said they would go ahead and close my account - because of their bad customer service and way they treated me I decided to go ahead and close both checking account and credit card, they said I could eventually open new credit card which I did apply for after a while ). Wells Fargo approved new credit card as mentioned above on XX/XX/XXXX and send me new card, however they are vehemently refusing to provide online access for me to monitor my credit card spending and activity. I spoke to XXXX ( supervisor of Fraud department Ref number XXXX ) and he refused to provide online access after acknowledging that there was no fraud on my part in the past, when I requested them to provide online access like every other banking institute he said " no you can view your activity when you receive paper statements or call in every time '' neither of which is feasible/practically way - calling them I am on hold for XXXX mintues every time and paper statements comes only once a month - I would have no way of knowing fraud charing if it happen in between - putting me a risk of identify theft and financial loss. When I told him about this and said I will file complain to CFPB, he said feel free to do whatever you want this is my decision and I am not gon na give you online access
My care credit account was closed unknowingly on XXXX XXXX XXXX due to us filing bankruptcy ( which I understand ) that which still collected my {$100.00} to {$150.00} a month payments and would probably still be accepting our payments if we had n't tried to use the card last week and declined now they are saying they only owe us {$100.00} I want this investigated. I never put them on my bankruptcy but it is standard to close account I understand that but when the account was closed it was $ XXXX. so I am being cheated and I feel this needs attention!!!! my payments are XXXX/XXXX/XXXX {$100.00} ref # XXXX XXXX/XXXX/XXXX {$100.00} ref # XXXX XXXX/XXXX/XXXX {$150.00} ref # XXXX XXXX/XXXX/XXXX {$100.00} ref # XXXX XXXX/XXXX/XXXX {$100.00} ref # XXXX
I lost my job in 2015 so I put a lot of debt on credit cards. I then enrolled in a debt relief program, XXXX XXXX XXXX, and have paid off of the the credit card debt enrolled. The problem is, my credit has yet to recovery even though Ive paid all my bills ontime and have no bad accounts. 

Were talked below XXXX credit score bad. I really need help with this. Its preventing me to live my life : (
To C.F.P.B, I would like for you organization to start entire investigation on my case, the said complained Bank Of America with the loan XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury.
For the past two years, I have consistently been given incomplete information about the terms and payment method on a {$4000.00} XXXX loan that I received through a financial aid advisor at the University XXXX XXXX - XXXX in XXXX of XXXX. Due to my loan servicer 's mishandling and the actions of staff at XXXX. XXXX, I have missed two payments, and that has unfairly impacted my credit score. 

When I received the loan, I was never given a hard or digital copy of the terms of it or the name of the company that would be servicing it. I was told I could manage payments on it through the XXXX XXXX XXXX XXXX, which is how I managed my other federal loans. After I received my XXXX XXXX XXXX in XXXX XXXX, I deferred payment on my federal loans as I searched for employment. 

On XXXX XXXX, XXXX I received an email from XXXX XXXX at XXXX. XXXX 's XXXX XXXX XXXX XXXX, XXXX 's XXXX. The email incorrectly referred to me as XXXX XXXX ( that is not my name ) and informed me a payment on my {$4000.00} XXXX loan was past due. At the time, I was under the impression that the loan had been deferred, along with my other federal student loans and I was frustrated that this was the first time I was receiving a notice via email that a payment was due. XXXX XXXX aplogized for mis-naming me, but told me that my loan servicer on the XXXX loan was XXXX XXXX, and that was different than the company that was servicing my other federal loans, which is XXXX. He said I could n't defer payment. I told him I was frustrated that this was never explained to me when I took out the loan, and I would have never missed the payment had I been informed at the outset, or had I properly received a notice - via email or letter - letting me know when a payment would be due. 

I paid the past-due balance immediately and I set up a monthly payment plan. For over a year, I 've made monthly payments on time. On XXXX XXXX, I received a notice that XXXX. was changing its loan servicer from XXXX XXXX to Heartland XXXX, and the notice said I was required to create a new account with Heartland XXXX and set up payments through that company. I followed the directions, but Heartland XXXX has not provided me with regular notices of when a payment is due. As a result, I missed one payment, and that impacted my credit score. Heartland XXXX also charges a debit card processing fee that is 3.95 % of my payment amount, plus {$1.00}, for using a debit card to make one-time payments. I believe that is unfair and violates usury laws. 

I 've been extremely frustrated with the way the loan servicers and XXXX. XXXX have handled this particular loan. Since my other student loans are held by XXXX, I 've seen there are better ways to inform borrowers of the terms of their loans and when payments are due. Their poor business practices have repeatedly caused me unnecessary emotional distress, they have unfairly impacted my XXXX XXXX and they have unfairly charged fees for processing payments. 

I have copies of all of my email communications with XXXX XXXXXXXX, XXXX and Heartland XXXX and can provide them if requested.
I was not expecting to pay for this long I was in need of a few hundred dollars to pay my rent so that me and my children would not be left out in the cold streets of Minnesota. I was not told of the interest when I talked on the phone with the person and was told that I could pay it off in full one I have the chance but it would me less. The interest rate is not what I was told it would be on the phone. once I received the documents the loan was already processed and I could not get out of it. Now I am struggling even more to pay my monthly bills because they are taking out XXXX every two weeks.

Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01XX/XX/XXXX {$470.00} {$43.00} {$110.00} {$72.00} {$430.00} Regular Current 02 XX/XX/XXXX{$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 03 XX/XX/XXXX {$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 04 XX/XX/XXXX{$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 05 XX/XX/XXXX {$430.00} {$0.00} {$110.00} {$110.00} {$420.00} Regular Current 06 XX/XX/XXXX{$420.00} {$0.00} {$110.00} {$110.00} {$420.00} Regular 07 XX/XX/XXXX {$420.00} {$0.00} {$110.00} {$110.00} {$420.00} None 08 XX/XX/XXXX {$420.00} {$1.00} {$110.00} {$110.00} {$420.00} None 09 XX/XX/XXXX{$420.00} {$1.00} {$110.00} {$110.00} {$420.00} None 10 XX/XX/XXXX {$420.00} {$2.00} {$110.00} {$110.00} {$420.00} None 11XX/XX/XXXX {$420.00} {$2.00} {$110.00} {$110.00} {$420.00} None 12 XX/XX/XXXX {$420.00} {$3.00} {$110.00} {$110.00} {$410.00} None 13XX/XX/XXXX {$410.00} {$4.00} {$110.00} {$110.00} {$410.00} None 14 XX/XX/XXXX {$410.00} {$5.00} {$110.00} {$110.00} {$400.00} None 15 XX/XX/XXXX {$400.00} {$6.00} {$110.00} {$100.00} {$400.00} None 16XX/XX/XXXX {$400.00} {$8.00} {$110.00} {$100.00} {$390.00} None 17 XX/XX/XXXX {$390.00} {$10.00} {$110.00} {$100.00} {$380.00} None 18XX/XX/XXXX {$380.00} {$13.00} {$110.00} {$100.00} {$360.00} None 19 XX/XX/XXXX{$360.00} {$17.00} {$110.00} {$99.00} {$350.00} None 20 XX/XX/XXXX {$350.00} {$21.00} {$110.00} {$94.00} {$330.00} None 21 XX/XX/XXXX {$330.00} {$27.00} {$110.00} {$88.00} {$300.00} None 22 XX/XX/XXXX {$300.00} {$34.00} {$110.00} {$81.00} {$260.00} None 23 XX/XX/XXXX {$260.00} {$44.00} {$110.00} {$71.00} {$220.00} None 24 XX/XX/XXXX {$220.00} {$55.00} {$110.00} {$60.00} {$160.00} None 25XX/XX/XXXX {$160.00} {$70.00} {$110.00} {$45.00} {$97.00} None 26 XX/XX/XXXX {$97.00} {$97.00} {$120.00} {$26.00} {$0.00} None
hello, I am XXXX XXXX, I open a citi gold checking accout XX/XX/XXXX with a promotion code. When I spend {$1000.00}, and XXXX consecutive bill pay, I can get XXXX XXXX miles. Before I open it, I contact the representative to make sure that the code will be effective to me, then I open it and I did all the requirements. but until now I did n't get XXXX XXXX miles. I contact the citi banker, they do n't admit that code effective to me. Please help me. thank you so much. My citi checking account number is XXXX rounting numeber is XXXX
In XX/XX/XXXXmy parents took out a student loan with me, more than they should have, but they had XXXX kids in college. I believe the original balance was around XXXX. I joined the United States XXXX XXXX that fall. Navient was updated on my status, but failed to comply with the Soldiers and sailors civil relief act I believe charging 13 % interest for years. From XX/XX/XXXX to XX/XX/XXXX my parents would ask me to send them an XXXX to show I was XXXX XXXX every now and then. What I did not realize is Navient was telling them they could defer payments and it would not report as late. FOR 10 years the loan did nothing, but occur interest and I am certain Navient had a huge smile on their face while doing so. in XX/XX/XXXX I believe, my parents received a check from a settlement company that sued Navient for not complying with the Soldiers and sailors civil relief act for the difference of the interest at the time. Now 13 years later the balance even while my parents have made payments does not drop below {$50000.00}. I have called Navient to get any information from them in regards to the interest rate and for a copy of the original contract. THEY LITTERALY hang up on me every time I have asked. They will not provide me with the information, I firmly believe, that they either do not have it or are violating many laws and probably the contract itself. 

I will do some basic math to make my point. I have had this loan for 13 years now. Lets just pretend my interest rate is % 5. If I wanted to pay this loan off in the next 15 years ( now making the loan be a part of my life for 28 years ) I would have to pay {$390.00} a month for the NEXT 15 years. That is insane! They are the most predatory company I have ever dealt with. When they get you under their thumb, they never pick it up until someone else finally has enough money to stand up to them. Please help in any way possible.
I was charged overdrafts on my bank account for previously pending charges while still being allowed by my bank to withdraw {$180.00} out of a check that I had just deposited for {$500.00} their claim was by letting me have the {$180.00} it made my pending authorized purchases Invalid and that I was charged a overdraft fee for every purchase even though I still had the same check which I was allowed to purchase {$180.00} worth of merchandise on in my account if it was good enough to cover that it should also have covered the XXXX prior purchases which came to a combined total of {$11.00} also in addition to this my monthly social security checks were also entered my account for a total of {$750.00} all of this activity occurred on XXXX/XXXX/2015. The reason that I know how much I was authorized to spend out of the {$500.00} check that I deposited was because the initial total of my merchandise came to {$310.00} when I swipped my ATM card it only authorized me {$190.00} so I had the purchase voided and the {$190.00} put back on my card I then choose {$180.00} worth of merchandise which I was allowed to purchase, but before depositing the check and with everything pending I still had {$1.00} in my account. When I went to the bank about the overdrafts, I was given XXXX different explanation over the course of two days, first by the teller initially, who said it was because I made a purchased of {$6.00} on XXXX/XXXX/2015 I then asked to speak with the manager he was busy, so after waiting about a half hour the assistant manager said she would look at it she gave me an entirely different explanation, telling me that they really did me a favor by letting me have the {$180.00}. Becaused the check had not cleared this was on XXXX/XXXX/2015. I returned on XXXX/XXXX/2015 this time I met with the manager who gave me still a different explanation but advised me to take the overdraft protection of my account and said that he would refund XXXX of the overdrafts.
XXXX  MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN THE : F.C.R.A. 15 USC 1681A ( g ). ( see   XXXX    letter )
XX/XX/XXXX I found an article on the internet that described a citibank consumer promotion. The promotion was open a new checking account, deposit {$15000.00} and leave this deposit in the account for 30 days, then leave at least {$10000.00} in the account for an additional 90 days and earn a {$400.00} cash bonus. 
I contacted citibank, talked to a banker on the phone because there are no branches in Minnesota, said I wanted to enroll in this promotion ( citibank 's promotion XXXX ) and opened an account and deposited {$15000.00} on XX/XX/XXXX. 
After 30 days I withdrew some of the deposit but left {$10000.00} in the account until XX/XX/XXXX ( 90 days ). Before I withdrew this money I called to check I would still be in compliance with the terms of the promotion and was assured I would be. When I asked for a conformation letter to this effect I was told the rep could not send me letter but do n't worry. 
Over the last 90 days I have talked with several citibank customer service reps and several supervisors and was assured I was in compliance with the terms of the promotion and would earn the {$400.00} bonus. 
Supervisors I talked with were XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX who opened an inquiry into the situation, case XXXX, and several other reps. I was assured the bonus would be paid after XX/XX/XXXX. 
Today is XX/XX/XXXX and I still do not have the bonus. 
I called again on XX/XX/XXXX, reached a supervisor named XXXX and was told since an inquiry was opened it would take 45 more days to resolve the inquiry ( first time I had heard this ) and the promotion might not be targeted for me ( first time I had heard this ) since I might not be the target audience for the promotion. 
Several times during this period I asked for a letter confirming the offer and was always told they could not send me a letter but do n't worry everything was fine. 
During this period when I asked to talk with someone with more authority ( since these people were giving varying pieces of information ) I was told this was impossible. 
Several times I was told to go to a citibank branch and talk with a banker but pointed out this was impossible since there are no branches in Minnesota. 
I need help to get an answer. This is feeling more and more like a scam. It is a case of big international bank vs. little consumer.
Ocwen Loan Servicing , LLC became the alleged loan servicer on my mortgage when the mortgage was in default, which qualifies Ocwen as a debt collector. I disputed the mortgage with the alleged lender and on XX/XX/XXXX the grantor notified XXXX that the dispute had been settled by the grantor, the account balance is zero and the account is closed. Ocwen stopped reporting information to the credit bureaus as a result of the grantors settlement of the debt on XX/XX/XXXX, however, Ocwen has continued its attempts to collect the debt. On XX/XX/XXXX, I sent XXXX XXXX, at Ocwen an email informing him that the balance is zero and that a satisfaction needs to be recorded in the XXXX County Register of Deeds to reflect that the mortgage has been satisfied/canceled. I asked for a reinstatement amount if any that Ocwen was claiming was owed that was different from the Zero balance reported by the grantor and XXXX XXXX XXXX replied through counsel representing Ocwen that the reinstatement amount exceeded XXXX. XXXX continued attempts to collect on this closed account violates FDCPA laws as Ocwen is misrepresenting the amount and status of the alleged debt.
Navient complains that I do n't pay on time but they now have disabled my online account further make me miserable, and more importantly, impede my ability to make payments or down load forms that I need. They insist that I have to call them and then put up with their rude and abusive attitudes and comments. I could by just fine if I did n't have to talk on the phone with them.
I 've recently contacted both credit Bureau and credit company and none were no help to me. I recently contacted Transunion several times through letters, online disputes, and phone and advised them of the fraudulent inquiries that were on my profile that I did not authorize and recall doing. I know their was a fraud alert on my account that indicates anyone who runs my report needs to contact me via phone and that was not done which violates my rights as a consumer. I am really upset and tired of trying to get a hold of some one who will actually help me with these fraudulent inquiries. I have not yet heard response from neither letters and online disputes. Below are names and dates of reporting companies that pulled my report with out my authorization and that I consider fraudulent. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,
I 'm receiving repeated phone calls to my cell #. They identify themselves as Reliant Capital Solutions, then ask for me to confirm personal info ( SSN, DOB, current address ). I 've told them I wo n't confirm or provide information unless I have a valid reason to do so. I 've asked the purpose of the call, and they continue to refuse to provide any info ( including what kind of firm they are, any money I might owe to anybody ) unless I confirm my SSN and DOB - which it seems they already have. I contacted the Ohio Atty General 's office and have filed an official complaint. The AG 's office told me they have a " significant '' # of complaints filed against them. I also pulled my credit report and score ( I have excellent credit with a score over XXXX ) and nothing is noted. I asked to speak with a manager and XXXX XXXX at Reliant also refused to provide any info about why they 're calling unless I provide them with personal info. When I told XXXX XXXX I did n't know why they were calling, he said, " You know why we 're calling ''. I googled Reliant - they 're a debt collector. I went to their XXXX, OH office yesterday ( with my checkbook ) and offered my driver 's license as proof of identity and they refused it. I 've checked with any creditors I might owe money to and nobody 's reporting I owe them anything. I 'm happy to pay anyone I might owe money to, but if I do, Reliant is delaying this process and preventing resolution of this issue. I also contacted local XXXX TV investigation team yesterday, they tried to speak with Reliant 's attorney ( who I 'd spoken with ) and she refused - she ran away! Reliant has said they 'll send me a letter with details. The XXXX team told me Reliant has given {$65000.00} in campaign contributions to Ohio 's Attorney General.
I sent in paperwork to remove these negative items from my credit report on XX/XX/17 and still several months later haven't received any response about these fraudulent items being removed from my credit report.
i have been receiving at least 5 or more calls daily from different phone numbers last time i spoke with someone they were really aggressive threaten to sue if I did not resolve this balance. she called today and angry and hung up on me after i questioned her how did she get my work # that I never provided.At the beginning I did offer a payment arrangements and the first lady was like no, if you don't pay in full i'm fwd to the pre-legal dept. {$50.00} a month i was able to do. I did not provide my work number, they called my job looking for me. I advised her that she has my cell and email address to contact me. All i want them to either agree to the payment plan or proceed otherwise but don't threaten me or repeated calls.
My husband bought a vehicle back on XX/XX/2011. He is now in a XXXX home and I am getting calls by Synergetic Communication Inc. They consistently call, and they are advising I need to pay. I have asked them on numerous occasions to please stop calling and they have not done so. I am not responsible for this debt. I am a senior citizen and is on a fixed income.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX
Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to this account they are reporting allegedly on my credit report. To date, I have not received any validation document from this company. More than 30 days have already past and this account is still unvalidated. The account number, balance, opened date, date account assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.
I filed Chapter XXXX bankruptcy in XXXX 2010. My credits were notified electronicaly on XXXX XXXX 2010. Wells Fargo entered a illegal lien on my property on XXXX XXXX 2010, through XXXX XXXX XXXX. This account was discharged in XXXX 2010, but the lien remains against my property.