WillisBack/dataset-financial-user-claim huggingface dataset:
Per XXXX XXXX they were unable to pull out my information with my name social security number date of birth they may be fishing for some information and they reported to account one for {$300.00} and one for XXXX and they need to be removed because they were able to prove elevation or locate the account seems like it 's fraudulent
I 'm a customer of PNC Bank in XXXX NJ XXXX XXXX XXXX NJ XXXXWhen I came to the bank on XXXX I found that my joint account with my wife had been arbitrarily closed and the bank could not explain whyI have not instructed any one to close the account nor has my wifeWe found that the XXXX account was ok but our names are missing from the XXXX and XXXX statementsThey have registered a complaint number ending with the digits XXXX believe that this account has been closed in a fraudulent manner and my funds potentially stolen and need your help to fix the issueI 'm an XXXX citizenMy email is XXXXXXXXXXXX and may be contacted by phone at XXXXXXXX XXXX XXXX XXXX
I'm in the market for a new car and i was told to check my credit report before i went to the dealership. I checked my credit report and i noticed a few items that i didn't authorize. These items are not mine and i need these items deleted from my credit report. I'm working on this process on my own behalf. I was advised to contact this agency and I also contacted the FTC and my city police. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
I noticed some unauthorized and unknown inquiries on my credit report. Please remove these unauthorized inquiries because they are negatively affecting my credit report. The unauthorized inquiries are : 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 co XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
I refinanced a home with Nationstar in XXXX, 2015. I was notified that payments would begin XXXX XXXX by my loan officer. Instead, Nationstar began requesting payments in XXXX. 
I feel like I was scammed. I checked the closing documents that I signed, and they do indicate that payments would begin in XXXX. I 'm frustrated and already behind in my payments because of this. I tried working it out with Nationstar, but they wo n't budge because of the closing documents. I would not have signed them had I known the start date was in XXXX. Is there anything I can do?
I was charged {$1900.00} on my Chase credit card by XXXX for damage done to a rental car. XXXX has not provided me any paperwork proving the damage. 

You see, Chase is also the insurer of the damages as Chase as that is a benefit of the Chase card. 

I disputed the charge and asked for proof of loss that Chase. The same proof that Chase requires from me. 

Chase said it would not allow the charge to remain while the dispute was active. But instead of getting proof from XXXX of the charge, Chase just reinstated the charge back to me requiring proof of the charge from XXXX. 

You see it is in Chase 's best interest not to require the merchant, XXXX, to provide the proof of the charge/damages because if the merchant, XXXX, provides the proof then Chase will have to pay as part of its card benefit. 

So I do not have adequate proof of the charge from XXXX in order to make Chase pay its claim under the cards benefits and Chase is not requiring proof of the charge from XXXX as it is in Chase 's best interests that XXXX not produce proof of the charge. 


So either the charge is not valid and I win the disputed charge or the charge is valid and Chase pays the claim under its ' benefits. But Chase is not requiring XXXX to show the charge is valid and is keeping the charge against me so that I can't file a claim under the Chase card 's benefits provision. 


In other words, Chase did not treat my charge dispute properly. Instead of making XXXX prove the charge, Chase closed the dispute without making XXXX produce proof. 

The motivation for this is that if Chase did require XXXX to produce the proof, then Chase would have to pay under the insurance benefit. 

Attached is a letter dated XX/XX/2018 from Chase 's XXXX XXXX where XXXX is trying to make me produce the proof of the charge instead of XXXX. 

Also, Chase through XXXX XXXX kept repeatedly trying to tell me this information verbally over the phone but would not let me record the conversation while insisting that Chase would record the conversation.
Re : Chase Bank / Unlawful Credit Card Debt Collection Practices. Due to a loophole through the court system and a Chase bank credit card charge-off in 2009 for {$6400.00}, I have been issued a wage garnishment now totaling {$14000.00} through a debt company XXXX XXXX. After a long effort to prove unlawful judgements, deceptive affidavits, debt flipping and AZ interest rate violations, my motions to vacate the case have been denied. 
XXXX XXXX had failed to provide acceptable documentation and disclosures of debt ownership but it was disregarded and/ or ignored by the courts. Also, some spreadsheets provided by XXXX resemble " robo-signed '' copies of uncollectable debt transfers. The '' so-called debt '' was passed along through various debt collectors through incomplete bills of sale. 
I have also been affected by inaccurate and duplicate debt accounts by credit reporting agencies. This has affected my ability to obtain credit, financing and possible employment in the past years. Collection Information about the debt left an impossible burden of challenging the errors. Now, the {$500.00} a month garnishment has also caused financial hardship. 
The successful debt collection lawsuit against Chase bank proves wrongdoing by XXXX XXXX, debt buyers and the bank. The repeating many times over of resale of debt, often for pennies on the dollar, is excessive. 
I will include in this complaint, various court documentation, unsuccessful debt verification and credit report documentation. If any other documentation is needed, I can supply this on demand.
I have a multitude of problems with my current prepaid provider, Netspend. 

I have not been able to access my funds in 2 days. It started in my attempt to open a new checking account with XXXX XXXX XXXX who explained do to a low score I could not open a checking account with them. I have an old savings account that I can access and use that so I went in to my current Netspend account and I noticed a different email instead of mine. I attempted to call. I could not be helped since their recovery department was closed. I was told to call back the next day. 

Yesterday I received an unauthorized {$50.00} debit hold on my card. I attempted to log in to my account to see what is going on and my account was locked. I could not access any of my information. I called and again because their recovery department was closed I could not be helped. I was told I have to wait until the morning. I asked to speak to the manager and was put on hold for 20 minutes. 

I again attempted to sign in today with another locked account notification. I have not been reached out to by email/text or phone call to be assisted with this issue. 

I have noticed last year around XXXX and XXXX I was receiving texts of amounts that did not add up because this is my main banking tool I use it for tips and other things. I thought this could be the case in the missing money. As I started to monitor more closely this has not been as much of an issue. I assumed maybe this is hidden fees or whatever the case maybe and have vowed to get out of this ridiculous banking system. 

I have dealt with issues with them in the past from no access to my funds for XXXX10 business days after my card being stolen to ridiculous fees to transfer money during this time I had to wait. after I had to buy another card. 

When I bought this card now I can not transfer to this card because they said it is not possible due to their system. it is XXXX to transfer EVERYTIME! 

At this point this establishment has cost me hundreds of dollars. I would like to have an itemized transcript of my account so that I can rectify any issues and be sure that I am not yet again being taken advantage of as a customer and my money back. 

I was also told that it will take XXXX8 weeks to receive my money in the mail if I close my account with them. for this reason I have held on but I can no longer continue to be abused by this company.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
This is my third complaint regarding Zion 's Bank. I am firmly convinced that there is a conspiracy to deliberately stack transactions in a manner that would result in illegal NSF and other fees to Zion 's bank customers.

Zion 's bank is a RICO conspiracy devoted inter alia to illicit engage in such behavior as would result in their mostly economically disadvantaged customers paying hundreds upon hundreds of dollars in illicit NSF fees.

I am currently liable for {$140.00} in NSF fees SOLELY because of the stacking of transactions. I constantly keep an eagle eye on my outstanding balance with the aid of my electronic application. Every time I use my card, the amount is IMMEDIATELY deducted falsely leading me to believe that it is helpng me ascertain my AVAILABLE BALANCE.

HOWEVER, Zion 's Bank has a delberate policy of ignoring the available balance and charging monies on the available balance in the form of NSF fees claiming that the AVAILABLE BALANCE accessible to customers is irrelevant and making contemptuous excuses in a bid to charge NSF fees.

Zion 's Bank is an ongoing criminal conspiracy which robs the most vulnerable segment of society and which should be forced to disgorge its illicit profits and shut down as a RICO operation and I respectfully seek your assistance as a US Citizen and taxpayer.
I applied to Charles Schwab for a Brokerage account and a Checking Account on XXXX-17. 
They opened the Brokerage account, and the Checking account was pending. 
On XXXX17 the Brokerage account was closed and I was not approved for the checking account. 

I called on XXXX-17 and was told I would receive information in a letter they were sending giving specifics. 

I have received the letter from them but there is no specific information as to what caused them to reject me as a customer. 
This is a violation of the FCRA. Without knowing what they viewed in a report that caused my rejection, I can not make sure that there is not a mistake and repair any misinformation.
Calls started on XX/XX/XXXX. I stated that I did not want to be contacted. This is a utility bill that was placed in my name by a family member in XX/XX/XXXX. I have stated multiple times that I can not pay it and I can not file charges against my family member. They left the property in XX/XX/XXXX but, they never cancelled services and the landlord did not change it until XX/XX/XXXX. I tried to dispute this with the original debtor and they refused to work with me and stated that I would just have to deal with it. This new debt collections company has begun calling me again and demanding payment. I asked the first gentleman to stop calling me and hung up. Ever since, I have received missed calls on both my work cell phone and my personal cell phone. I have answered and received dead noise or another person on the line. I have again repeated and asked them to stop contacting me. I have since emailed them with copies of the missed calls as well as my call records and asked them to stop contacting me. They have never sent me anything in the mail. They have never confirmed any debts and have been unable to provide me with any sort of break down of the charges. Only continue to tell me that I am responsible.
My son contracted with XXXX ( now Navient ) for student loans. The first loan was originated on XXXX/XXXX/XXXX for the amount of {$10000.00}, and the second loan was originated on XXXX/XXXX/XXXX for the amount of {$15000.00}. I cosigned for the student loans at that time. I believe that XXXX ( now Navient ) and XXXX XXXX XXXX College ( XXXX XXXX, Kansas ) conspired in predatory lending practices in order to persuade college students, including my son, to take out high dollar loans at excessive interest rates and unfavorable terms. At the time, the school and lending agency did not offer any other alternatives, and insisted that this was the only available loan option. Additionally, we were not given any accounting as to how the money was used. Since that time, my son has been unable to meet his payment obligations due to personal financial difficulties. He made numerous attempts to negotiate payment terms with Navient, but the company was unwilling to work with him. As a result, he defaulted on his loans, which made the loans my responsibility, as cosigner. I have been in frequent communication with Navient, but their process management is uncoordinated. As a result, I have had to deal with multiple individuals, none of whom appear to talk with each other. 

In addition, Navient 's record keeping system is unreliable. My XXXX daughters also have student loans with Navient, and Navient has confused payment information between the different loans. Navient also withdrew loan payments from my personal checking account without authorization, both for my son 's loans and for XXXX of my daughter 's loans. Navient has engaged in extensive harassment by calling me on multiple phone lines many times a day, including phone calls prior to XXXX and after XXXX, for an extended period of time. Many of these phone calls included threats and accusations, including demands that I make immediate payments using personal credit cards. In my attempts to resolve this dispute with Navient, I requested transcripts of these phone calls, which they first said they could provide, but subsequently, they claimed that such transcripts are not available. 

I have, after many attempts, been able to reach a partial verbal agreement with Navient, which stipulates the following. 
A downpayment of {$2500.00}, which I have made Monthly payments of {$160.00}, which I have been making Interest rate of 0.001 % However, I have been unable to obtain a written statement which includes the total number of payments the company will require me to make, and the total amount to pay off the loan. Since Navient has lost record of my payments in the past, and I have not been able to get an agreement in writing, I am concerned that, if the individual I have been dealing with leaves the company, I will be starting over in this process. However, the company has refused to address my request for an agreement in writing. They demand that I make monthly payments on their terms, but will not give me the information I need to set up automatic payments from my bank, and have ignored my request for a written agreement to formalize the new loan terms. I find them unresponsive and unreliable.
Talked with a XXXX representative in XX/XX/XXXX about the mark " Bankruptcy Dismissed '' that is continuing to be reported on my TransUnion Credit Report after 10 years. The XXXX rep. assured me at that time the matter would be investigated and removed. In XX/XX/XXXX I received a latter from XXXX dated XX/XX/XXXX stating " We asked the four major credit reporting agencies ( XXXX, XXXX, XXXX and TransUnion ) to remove the reference to Chapter 13 bankruptcy on your credit profile. '' However, TransUnion has failed to comply. I have certainly spoken with both a TransUnion Rep. and XXXX rep. on XX/XX/XXXX about this matter. XXXX instructed me to take this matter up with TransUnion and TransUnion has instructed me to take this up with XXXX.
Collection attempt is being made for a medical bill from a provider that I have not seen since 2009. I contacted the medical provider and confirmed that I had no outstanding bills. I have request contact from the collection company through faxes and USPS and have not heard from them.
I was contacted by this company who would only till me they were from ERC. I asked what this was about the guy refused to tell me. I told him to not call this number as it is a cell phone. I don't have any business with you and you do not have my permission to call. They called several more times after that one time being a lady who said sorry and hung up. I have only had this number for 6 months. I have never received anything from this company concerning a XXXX debt I know nothing about. This account was previously disputed though XXXX XXXX XXXX and found to be unverifable.
Name of school : XXXX UniversityLocation : XXXX, TXNavient is currently the servicer of my private student loans. Originally, XXXX XXXX serviced my private student loans from XXXX - XXXX after I graduated from XXXX. In XXXX, I went to XXXX school, and Navient recently took over my loan. I graduated from my XXXX school XX/XX/XXXX. I contacted Navient in XXXX XXXX XXXX while my private loans were still in deferment ), spoke with an agent, and we agreed upon a repayment plan where I would pay interest-only ( which would be $ XXXX/month XXXX for 24 months. I received my first loan bill in XXXX XXXX, and it was much higher than the interest-only payment that we had agreed to only a month before the bill. I immediately called Navient in XXXX and spoke with another agent. The agent set me up on the interest-only payment plan again and told me to disregard the XXXX bill because our agreement would take effect immediately. During the XXXX conversation, I provided the agent with my credit card number, so Navient could directly deduct the payments. Navient has been deducting the interest-only payments from my credit card since XXXX XXXX. When I logged into my account yesterday, I noticed that I have a past due amount of {$49.00} on XXXX my private student loans that I have an agreement to only pay interest on. I currently have a current due amount of {$190.00}. According to their information online, they are still charging me for regular payments on XXXX of the XXXX private student loan accounts that I have with them - even though we agreed upon an interest only payment plan for XXXX my private student loan accounts. 

On XXXX XXXX, I called Navient for the third time to clear up this issue. I briefly spoke to an agent, and they told me that they would have to transfer me to another department and put me on hold while the transfer occurred. I had to hang up and call back after they had me on hold for over 30 minutes! When I finally spoke with an agent again, they informed me that I would have to speak to their in-house collections department because they could not handle my billing issue. I do not even understand how I ended up dealing with their in-house collection department, since I have never had past due payment issues with them ( of course, until this last incorrect bill ). When I set up my interest only payment plan in XXXX XXXX, I did not realize that I was talking to their in-house collections department. At the time, my first payment was not even due yet. 

I have received inaccurate and incomplete information from Navient since I first contacted them in XXXX XXXX to set up a payment plan. I am a very responsible borrower, and I always make sure that I have a good grasp of my debt obligations to ensure that I am able to fully service my loans. It is unfortunate and frustrating that Navient is unwilling to uphold their own terms that they agree to with their borrowers. When I review my Navient bills online for the months of XXXX XXXX - XXXX XXXX, I see that the amount that I owe significantly varies from month-to-month. This is very unclear and misleading because I am only supposed to be paying interest only, per my agreement with Navient.
I made my XX/XX/XXXX payment, due on XX/XX/XXXX, within the grace period ( XX/XX/XXXX ) to XXXX. I made the payment of {$180.00} ( on XX/XX/XXXX ) in excess of the amount due ( {$170.00} ) plus any interest that would have accumulated on the account within those 3 days. ( {$1.00} *3 ). 

Instead of reducing the prinicpal balance. XXXX XXXX has decided it will apply it to my next payment. This is not how i want it allocated, and not ethical. 

After I have paid off the amount due, plus any interest incurred I should be able to have the excess payment amount as i see fit. If i want it allocated to reduce the prinicpal balance it should go that way. XXXX has conviently been applying my excess payments as statement credit instead of reducing the principal.I dont want a credit, I utlized my grace period and pay enough to cover the interest incurred during that grace, the amount due, and a little bit more to reduce the principal. 

Lastly, XXXX provides this limitied statement, which doesnt show you the allocation, or much relevant information. They can do better and be more transparent.
This is regarding violations of the FCRA by XXXX XXXX XXXX XXXX, in their capacity as a furnisher and user of consumer information. Briefly : The bank generated an erroneous XXXX score that does not match with the contents of my consumer reports, made adverse decisions based on false information, and failed to correct this information. 

Details : In XXXX 2017 I applied on-line for a checking account at XXXX XXXX XXXX XXXX, in response to an advertised promotion. The application was declined twice, citing consumer reports from XXXX and Chex Systems. 

This was surprising and unexpected, since my credit history is excellent with zero negative items, and I had never been declined for a deposit account by any bank before. I reviewed my reports from both XXXX and ChexSystems, and found them both to be spotless with zero negative items. 

I had several conversations with agents of XXXX XXXX XXXX XXXX ( hereafter referred to as the Bank ),  including their Executive office. I presented the complete and detailed consumer reports from XXXX and Chexystems, pointed out that they contain zero negative items, and requested a manual approval of my application. The Bank claimed that they can not consider these reports, and they only go by the 'XXXX Score ' included in their original letter of denial. 

The Banks letter of adverse action contains a XXXX  score of XXXX, a very low score that does not match with my consumer reports. Considering that my FICO score is XXXX and none of my consumer reports contain any negative or derogatory items, a XXXX score of XXXX has to be an error. The Bank first claimed I had to dispute this with ChexSystems. I did so, and ChexSystems claimed it is not them but the banks who generate XXXX scores. 

So it appears that XXXX XXXX XXXX XXXX had generated a false XXXX score, and made an adverse decision against me based solely on that erroneous score, without considering the actual contents of my consumer reports. This adverse action now causes a continuous negative impact on my future consumer reports. Despite my repeated requests to correct this score and remove the erroneous entries from my consumer reports, the Bank has refused to take any corrective action. 

I am attaching my most recent correspondence with the Bank, which explains the problem and my requested resolution in detail. If necessary I can provide additional evidence, including prior correspondence and my full consumer reports. Thank you.
An account with Capital One was opened with a deposit of XXXX us dollars. The card only had a limit of XXXX which included my deposit that was in XXXX, It was passed on to XXXX dept. collection. On my credit report today they have it as the account was newly opened in XXXX. I have disputed it more than once and the dispute results that they agreed to take it off. They haven't and are still calling me for XXXX just this pass month
I noticed on my XXXX credit report that the company called Navient had posted incorrect information about a Grad Plus loan that was supposedly awarded to me in XX/XX/2017.