WillisBack/dataset-financial-user-claim huggingface dataset:
We have a credit line with Suntrust Bank in XXXX, Florida. The XXXX names on this credit line are XXXX persons : XXXX ( myself ), XXXX ( wife ) and our son, XXXX. The interest pertaining to this credit line are debited directly from my son, XXXX 's checking account. The Form XXXX, has my name only, showing my social security. I have in many occasions requested to change this to my son 's name along with his social security number, as he is the one paying the interests and are debited directly from his checking account. They have told me that they can not change it. To my knowledge, the Form should show my son 's name ( XXXX ). I am a retired civilian and do not even have enough funds to pay such interest in that amount. Also, since I am retired and receiving social security, this can cause unneccesary problems with the IRS. Please know that this is a former complaint against Suntrust, and wish for you to assist me if I have the right to this request.
XX/XX/XXXX vehicle was repossessed for XX/XX/XXXX payment even thought we discussed that payment being made XX/XX/XXXX. I have not had this trade line reported accurately since XX/XX/XXXX. It shows up as paid/closed. I contacted XXXX XXXX and the bureaus and they did nothing saying the company has undergone a systems update since XX/XX/XXXX and it would be accurate XX/XX/XXXX. NOT ACCEPTABLE. I recently incurred my 1st late payment when I tried to trade in the vehicle. I learned it was sold to me as a lemon. I was provided fraudulent car facts, and at the time of purchase the car was worth about 3000 well I paid XXXX already only the care and the company is asking that the loan be bought to XXXX for a mod meaning I was charge {$26000.00} for a {$3000.00} car. I made the XX/XX/XXXX payment with the understanding that I would get the MOD but when I did the company started throwing numbers my way asking for more payment. I am just done. I mean One you haven't reported that I paid you ... I could have had my mortgage last year had they accurately reported now that I'm over this predatory loan and need it modified you repo the car saying you will report the repo in XX/XX/XXXX/What happened to the current payments for all of XX/XX/XXXX and all of XX/XX/XXXX. This is simply unfair. What needs to happen for the consumer to be fairly treated?
I have been receiving repeated calls to my cell phone number from " XXXX XXXX '' about an " urgent financial matter. '' Each time, they ask to speak to a person who is not me. I have told them multiple times that I am not that person and to stop calling me, and I have received verbal confirmation that they would not call me anymore, but I continue to receive calls, including evening and weekend calls. The most recent calls were XX/XX/18 and XX/XX/18.
XXXX XXXX XXXX , XXXX reported my account with XXXX XXXX XXXX to Experian for {$170.00} in ERROR. The original invoice was paid to XXXX XXXX XXXX in XXXX, 2016. The invoice was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX while covered by XXXX XXXX ie. Obamacare. I have attempted to dispute the claim online with Experian ... .THE WEBSITE WILL NOT RESPOND. THERE IS NO TELEPHONE NUMBER published on website or on credit report I received in the mail. The process for disputing the ERROR via traditional mail is ONEROUS and ARCHAIC with regard to level of personal information requested by Experion. It is obvious to this consumer that Experian is not interested in correcting errors on credit reports they publish.
I thought this issue was cleared up over a year ago but it is most distressing that yet another collection agency, Allied Interstate LLC, is calling looking for the previous owner of the property we now own. We have owned this property for 34 months. I have attempted to explain such to them, to no avail. Their repeated calls continue. My request to speak with a supervisor are ignored and they hang up on me. With the latest call on XXXX XXXX, 2017 at XXXX I was able to speak with a supervisor whose I English I could barely understand. Will he heed my request to stop these calls? I could n't tell, as I was unable to understand him. Anyway these Debt Collection Services are not to be believed. Please assist in having these calls interrupting our life.
My tax assessor sent an incorrect tax bill to my mortgage company in 2016. The mortgage company, AmeriNat, then paid the incorrect amount. When I called to explain the issue, the mortgage company insisted that it was my responsibility to get the accurate bill which I did. The tax collector told me that a refund was issued to my mortgage company on XXXX/XXXX/16. My mortgage company then increased my mortgage payment to compensate for the mistake payment despite the fact that I provided them with the accurate bill. They then told me that it was my responsibility, not the tax collector 's responsibility, to make sure that the refund was received. I was even able to give them a check number and the date the check was sent to the third party vendor that accepts their payments but they refused to acknowledge it because they said they never received the payment. So basically I 'm stuck with a mortgage payment that is {$1600.00} more than it should be because Amerinat refuses to investigate the situation and take the appropriate action. They are comfortable to hold me financially hostage. Plus, there toll-free number does n't even work, making it extremely difficult to even discuss the situation with them.
On XX/XX/2016 PayPal credit opened an account in my name without my consent. A charge of {$190.00} was added to the account. It may have been opened it in an outright fraudulent manner ( as in the XXXX scandal ). Its also possible that it was done deceptively in the on-line " check-out '' or " pay with Pay Pal '' process of an on-line purchase. i.e., it was set-up where the purchaser would have had to " opt-out '' of opening a PayPal credit account in the course of submitting a payment. In any XXXX, I DID NOT wish to open a credit account with Pay Pal. More payments which I thought were being made using traditional " Pay Pal '' continued to charged instead with " Pay Pal Credit. '' {$180.00} was made on the account on XX/XX/2016. Other charges were made in XX/XX/XXXX, mainly several payments to XXXX. I received no bills or notification by mail or even by email until XX/XX/2016 when I was suddenly notified that I had an overdue balance which had accrued interest and a service charge of {$25.00}. When I was finally able to contact them via phone on I was told that the service charge would be credited to my account. It was not. Under duress and fearing for my credit rating, and to avoid the time and headache of a dispute, On XX/XX/2016 I paid the balance and the interest charges which totaled {$420.00}. I was told that the account ( which I had never opened ) was closed and that there was a zero balance. However I continue to receive notices of an outstanding balance and interest charges accruing.
Midwest Recovery Systems added collection to my credit reports without my knowledge ; and in doing so, violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. 

I request that Midwest Recover Systems verify the following information. 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Midwest Recovery Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. 

Midwest Recovery Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Wells Fargo Home Mortgage Affidavit Of Mailing on all of there notices sent out on XX/XX/2016 which was 7 notices by wells fargo home mortgage was never mailed to me at the right address at the time of notice nor were any delivered at the said address that was mailed out by wells fargo home mortgage. As I have uploaded proof from the post office was delivered to XXXX XXXX CA XXXX I never lived or had an address in XXXX XXXX CA XXXX as to why wells fargo Home Mortgage would send all the US Reg m, ail to an address that's not on file or not mine. Wells Fargo Home Mortgage violated my rights to receiving notice by sending all the notices to an XXXX XXXX CA address in which they mailed out to no reason why it was delivered to an XXXX XXXX Ca XXXX address with bad intent on there part on a serious situation that was at hand. There seems to be a lot of issues legally with the loan past and after of there practices of there mortgage loans and legally giving me notice by law. With wells fargo home mortgage its never the truth it all ways putting some paper to try to justify there self as if there a reputable bank in which we no is not. Wells fargo stay in the news for fraud or consumer fraud by them.
I Have a loan with  discover student loa ns, when I left college to obtain a job I did not know how much the monthly payment would be, I turned out to be  XXXX  dollars like other recent grads I was astounded by the monthly amount. I asked for lower payments and they allowed me to file a payment relief but soon denied me without even sending me a letter stating why. It 's very disheartening to have over half of your monthly income taken by student loans. I am now almost 120 days late on my payment.
My mother was a co-signer on my Wells Fargo private student loan. My parents claimed bankruptcy. Wells Fargo discovered that my parents claimed bankruptcy and hid my account. I suddenly could n't access my account online. I tried talking to Wells Fargo about it. They would n't talk to me about my account. They would n't tell me how much I still owed. They would n't tell me anything about making payments. All they would tell me is that legally, they could n't discuss my account or collect payments because of my parents bankruptcy. They said that the account would reappear after XXXX years. My parents bankruptcy ended this past year. When that happened, my student loan account reappeared, and Wells Fargo aggressively came after me, calling at least once an hour. They said that I defaulted for XXXX years. They said I owed them the entire student loan, I could no longer make payments. They said that my default voided out agreement. They reported XXXX years of backdated defaults to the credit bureaus. They destroyed my credit overnight. They turned the loan over to collections. I ended up settling on an amount. I ended up paying them with the only money that I had, which was a federal student loan. Fortunately, I was in grad school at the time. But, it really messed up my living situation because I had to use that federal money to pay off the old Wells Fargo debt.
I have a joint student loan with my ex-wife and we are in the Public service loan forgiveness program. The loan was transferred from XXXX to Fedloans two years ago. Ever since we have received terrible customer service. We excite different advice each time we call. Now I do most communicating I writing but at times they do n't even respond to my messages on their " contact us '' section. Furthermore there is no way to track my sent messages and their replies. The messages vanish after a set amount of time. I have lots of documentation about the problems we have endured. We applied for the REPAYE plan in XXXX from Fedloans. We received approval and new terms in XXXX. A standard payment was assessed one month for @ {$2400.00} which I was told was part of the transition to a new plan. I made several calls to the servicer about this amount and was told it was being reviewed for a forbearance and would likely be granted since we are in the PSLFP. I called again XXXX XXXX and was told that an application for the forbearance had never been received. That is the first time we were told we needed to apply for the forbearance. Prior to that date other reps told us it was happening as part of the REPAYE submittal and not to worry about it. The nest day on XXXX XXXX we submitted all documentation and was told it would be reviewed promptly. This was on day XXXX into being late on the amount. I found out today that we had been reported Fedloans reported as delinquent to credit bureaus even though we were told this would not happen. Today I was told it would take 30-60 days to remove the derogatory statement from our credit once the forbearance decision was made. We have made all monthly payment on time since XXXX while waiting for the forbearance. Had we been told in XXXX we needed to apply for the forbearance we would have then. We never received this requirement in writing and was told the opposite by Fedloan reps that ithe forbearance was being reviewed as part of the REPAYE application. The REPAYE application has a place on it to request $ 5 monthly payments during the review period to avoid any forbearance amount. I have also received several calls from Fedloans about the amount past due and when I told the rep we were waiting on Fedloans for a decision the rep acted surprised until they reviewed our account. Not only did we wait 4 months for our REPAYE review we now have a derogatory credit report at no fault of our own. Please help us resolve the credit reporting issue. I am in the middle of refinancing my home and this has impacted that process. I would also like to have our loan transferred to another servicer. Never before with any other credit product I have I seen this type of customer service. Students loan XXXX are so hard to decipher unless you 're an attorney. Often times I know more about the programs than the services themselves. Please help us.
Since XX/XX/2018, Citibank has locked my card ending in XXXX " for my protection ''. After waiting a week for the letter that was repeatedly referenced through Citibank 's secure messages and phone calls with me, I faxed it to Citibank. Over the next several days, I was told repeatedly I still needed to call in even though the requested information had been received by them ( faxed letter request from Citi as well as SSN verification form ). I called Citibank several times in response to their secure messages stating that the matter could not be resolved through secure message, and only by phone. I was told every time I called that my card would still not be unlocked with no reason given except to 'wait a little longer '. If Citi only had to speak to me, why is the card not unlocked? Well as of 2 days ago, I was informed via secure message that Citi wanted me to resend the fax as it was not readable. This is over a week after the original fax was sent and confirmed received. Why was it confirmed as received if it was " unreadable ''?
I purchased a Vehicle Service Contract ( VSC ) from Honda when I purchased my car 2 years ago. This contract was presented and sold to me that I would have access to road side assistance and free rental car when my car was in  need of repair. Below, Ive also pasted verbiage copied directly from Hondas website regarding this contract. 
A XXXX XXXX XXXX provides benefits your manufacturers warranty does not. For example, with XXXX XXXX, youll get roadside assistance1,2 and rental car coverage1 when your vehicle is being serviced for covered repairs, and extensive component coverage5 Recently I received a recall notice from Honda and called to make an appointment. I was told that I do not have a Vehicle Service Contract. I called back again and the second  representative I spoke with stated that I do have one but that a recall is not considered a repair. My car is in need of repair due to the recall. Their verbiage is ridiculous. They are selling a product that does not provide what is described under their terms. 
I wrote to customer service and requested that they confirm that I purchased the VSC. They responded and stated that their records indicate that I do not have one and advised to call this number ( XXXX ) if I had any additional questions. ( Case Number XXXX ) The email I received also stated that a case manager would be reaching out to me in 1-2 business days. It has now been 8  days and I have yet to receive contact. 
I called the number provided and spoke with XXXX XXXX who CONFIRMED I have a VSC. I requested that she send me a copy of the contract which I received in the mail last Thursday ( XX/XX/XXXX ). I sent a copy of the contract to Honda on that same date and asked that they note my account so that I dont encounter this issue in the future. Still no response. 
The VSC I purchased cost over {$2000.00} and added an additional year of payments to my loan. This is a substantial amount of money and it is mind boggling that Honda can not accurately track their own records. 
I am appalled at the lack of communication from Hondas customer service. The VSC is a SCAM. I either want my money back or for Honda to acknowledge that I have a VSC and provide me the coverage that I purchased. My car is being recalled and needs to be repaired. Under the terms of the contract, a rental car should be provided when I bring my car into XXXX XXXX on XX/XX/XXXX.
Approximately around XX/XX/XXXX I called all three credit bureaus about credit inquiries illegally not authorized on my credit report also. I spoke with Transunion and they had a glitch in there system in XX/XX/XXXX. Inquiries that were deleted are back on my report as well and I was not notified by mail in the time frame that was supposed to be notified by law. These inquires added a hardship and my rights were violated by Transunion as well as the other two credit agency. As a resolution I ask that all my inquires be permanately deleted from my Transunion report as well as XXXX and XXXX.
Refinanced existing student loan through XXXX XXXX. Never received proper communication on the process. Suddenly completed. When repeatedly called to inquire on amount to pay : Told in XXXX that nothing will be due in XXXX. Followed what they said. ( Had an unrelated problem with personal checking account ... .fraud. So had to close personal checking and open a new one. In process, a payment to Navient was returned. ). Constantly called to resolve all outstanding amount. On XX/XX/19, Navient advised me to pay {$500.00} installment plus {$830.00} past due. Both payments posted XX/XX/19. 
Received no less than 6 phone calls yesterday ( XX/XX/19 ). Answered when free and told I am still in arrears. Put on hold and no one ever came back on the line. 
I feel that Navient is being devious. They tell me first to pay nothing for a month or two.  Then they tell me I am in arrears and so in forbearance. I pay all that I am told to pay to avoid forbearance. Six days later, they are calling me again claiming I am in forbearance.
All of sudden my Checking account, my saving account and my credit card account has been closed without any notification. There is no explanation given for the action.
This Complaint is in response to the XXXX XXXX, XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Department of Education/XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish informatio n to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it co
mplete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
, Department of Education/XXXX representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX that any subsequently initiated deferments would not allow for, Department of Education/XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my, Department of EducationXXXX accounts that were part of the XXXX XXXX late payments show deferment status effective as of XXXX/XXXX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with, Department of Education/XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other legal routes if necessary.
Experian is reporting both my birthday and SSN incorrectly. In connection, it also is allowing that a late payment for XXXX XXXX, a company that services prepaid debit card accounts, be reported as a delinquent credit account on my current credit report. I do not, have never heard of, nor inquired of a XXXX 'credit ' account. This account is erroneous. It does not even exist as a known, recognized, possible available option for a credit account. 
Having used the XXXX XXXX Pre-Paid Debit Card in the past, however, it did not afford an opportunity to spend beyond the predeposited account threshold. 
I have no familiarity with a XXXX XXXX Credit Account. I absolutely did not request any XXXX XXXX service beyond pre-paid debit account with the company in years past. 
This overdrawn XXXX XXXX credit account of {$320.00} does not nor has it ever belong to me.