WillisBack/dataset-financial-user-claim huggingface dataset:
I have over {$130000.00} in student loans that are split about 50/50 between between private and federal. My private student loans are then broken down into 6 separate loans which all carry different loan amounts, interest rates and minimum payments. In order to keep my account current I set up a single monthly auto-debit from my bank account that 's allocated over each of the 6 loans every month. This is the payment structure that was recommended to me by Navient representatives. If I want to change my payment plan at any point I would need to do so for all 6 of my private loans again so that the payment would be enough to cover them all. The fact the loans are for different amounts and have different interest rates does not seem to matter to Navient when dealing with making payments. If at any point down the road the payments are not made, missed, or the amount is not enough to cover all the loans, Navient will list the default by individual loan turning one issue into 6 separate issues and absolutely destroy my credit in the process. My issue, in short, is the fact that Navient will view all their payment vehicles and loan programs as if all your private loans were one big loan ... .but they 'll view any sort of negative activity or adjustment as if the loans were all separate. I do n't understand why I 'm unable to consolidate my loans because I have poor credit ; my poor credit is being caused by trying to manage all the different student loans I have listed ; and everything I do right get 's me a single " pat on the back '' while everything I do wrong costs me 6 separate lashings.
I have previously submitted several disputes to Experian regarding my payment history on my XXXX XXXX account. Each time I submit a dispute and provide documentation to support my dispute they state that they can not use the information which in many cases results in my credit report staying the same. Recently XXXX XXXX added a repossession to my credit report on XX/XX/XXXX for the month of XX/XX/XXXX. This lender reported payment status never appeared on my credit report in the past and when I attempted to dispute this with Experian they stated that XXXX said it was valid. This lender reported status was added to my account almost 21 months later without any notification or supporting evidence to show its was valid. In addition to the repossession, XXXX XXXX through the use of the CFPB agreed to change the delinquent status for XX/XX/XXXX on my credit to reflect a positive status. XXXX XXXX never changed the status and a dispute was opened. A copy of the CFPB investigation results presented evidence from the response received from XXXX XXXX that they were to change the status, but Experian failed to utilize this document and again allowed XXXX XXXX to add this information to my report. Also XXXX XXXX has added a XXXX past due for the month of XX/XX/XXXX. This is inaccurate as my XX/XX/XXXX payment is not due until XX/XX/XXXX. Experian seems to allows these inaccuracies to remain on my report without even validating them. After several phone conversations with both XXXX and Experian the issue comes down to date the information was reported. In XX/XX/XXXX Experian stated that XXXX reports the XXXX of each month, but XXXX states that they report the last day of each month. On XX/XX/XXXX I spoke with Experian who stated that XXXX reports to them on the XXXX day of each month which then raises a red flag about some of the statuses on my account. Attached are my past XXXX XXXX XXXX and updates dating back to XX/XX/XXXX. As you see that no repossession was ever reported on my account until XX/XX/2015, also the payment status for XX/XX/XXXX was never changed as stated in the CFPB investigation response. Again all Experian does is call the creditor and ask if the information is valid and pending on what the credit says is how the information is added to the report. Please help because this really making my finances difficult.
I recently received the attached letter stating I have an overdue ( first letter I have ever received ) rental fee on a safety deposit box. I do not have keys to that box and have been divorced from the other person for 13 ( XX/XX/XXXX ) years. I have quite a few issues with this. 

1 ) Who has been paying for this box for the past 13 years? It has not been me. 
2 ) I do not have a safety deposit box anywhere 3 ) Why am I getting a letter with a late fee if I never received a letter before? ( States it was due XX/XX/XXXX ) 4 ) I have nothing to do with what he has in that box nor do I care to know 5 ) The other owner has left the country from what I can tell via social media and I refuse to be saddled with anything associated with him, I do have tax documents ( along with divorce records ) and could get you his SS to help track him 6 ) I will send you my divorce records if needed or have my lawyer contact you 7 ) I 've been told that my current name and address were found because I again have an account with Chase 8 ) I was an employee until XX/XX/XXXX when I was laid off, at that time I changed banks and after a few years returned to Chase XX/XX/XXXX. 

My issues with the branch are : 1 ) Inconsistent answers from XXXX different people on XXXX different days 2 ) Did n't take down the name of the gentleman from Wednesday but he said if I came to the branch I could take my name off the card and be done with the issue 3 ) When I spoke to XXXX at the branch she told me it does n't work that way and I 'm still responsible 4 ) I was also told there were no branch managers available either time I called and no one has gotten back to me I refuse to have this reflect my credit as a bad debt of any type nor do I feel responsible as I know you will not be able to find the other person who probably threw the keys away. It got that way at the end of the relationship so I would n't put it past him. 

Please have someone contact me to get this issue resolved as soon as possible. 

I appreciate your assistance. 

Thank you. XXXX XXXX XXXX
Our urgent care Co-payment was paid ( XX/XX/2018 ), overpaid ( XX/XX/2018 ) and still turned into collections. Received collection notice from midwest recovery ( XX/XX/2018 ). Contacted patient portal ( payment system ) for our urgent care and is being reviewed for correction. Contacted midwest recovery collection informing them of issue was told that the account would be noted. XX/XX/2018 midwest recovery reported negative account to my credit report without final notice.
I have filed a XXXX dispute in regards to XXXX the which is in regards to XXXX XXXX. This issue has been going on for months. I contacted XXXX XXXX myself plus optimum outcomes because optimum outcomes told me back in XX/XX/XXXX they never received a dispute from Equifax. Which I have the recorded calls from XXXX people at optimum outcome telling me they never received a dispute from equifax which was in XX/XX/XXXX. I got a letter from XXXX XXXX which states the info is not available. XXXX and XXXX have deleted this from my file. But, Equifax keeps putting this off.They have this letter I sent to them from the creditor and they tell me it 's not enough information. Everytime I call equifax I get a different answer from a different person which all these calls are recorded. They are not trying to fix this they do n't care! They are also trying to tell me they have until XXXX XXXX on this XXXX dispute which is incorrect! I told a customer service rep over the phone that it was disputed. Also my XXXX letter was dated XXXX XXXX, 2015 so the phone call was before XXXX XXXX.
Dear Sir/Madam, I am a long-time Chase credit card holder. I have 2 credit card accounts. I pay my bills on time and have no debt. 

My complaint is this : Chase is constantly asking me, via email, and on their website for me to share with them my personal income. ABSOLUTELY NOT. This is very private and personal information. Why on earth would I do this? 

This is clearly geared at targeting me/other customers for services. It fringes on privacy. I am XXXX. This is not right to prey on existing customers. Please make it stop. 

Thank you. 
XXXX
I'm a M/L Wealth Management Client. I believe that BOA decision to stop loaning money to firearms businesses is political activism, and is illegal. The firearms businesses are producing and selling legal products. I consider this to be gun control by financial institutions.
Bank of America XXXX BA ) lied regarding interest charges. The contract on promotional balance transfers clearly states that any payment above the minimum payment is applied to the highest/older interest balances. This was also repeated verbally by BA representatives upon an additional balance transfer on XXXX/XXXX/15. We paid off the older balance of {$5000.00} before the promotional expiration date of XXXX 2015, but BA started charging interest unjustifiable. After complaining each and every month of this, each representative told us that this was a computer glitch, that we were not the only customers affected by this, and that the glitch was going to be fixed by XXXX/XXXX/15, and all interest charges would be reversed. Upon calling today, XXXX/XXXX/15, to verify that the glitch was solved, the BA representative told me that there was no glitch, and that I owed interest from the previous balance, which has been paid in full which can be verified through my bank 's records. I have closed this BA account, I am in the process of transferring the full balance somewhere else, with the exception of the interest charges that I am hereby disputing.
I managed somehow to pay United Debt Holdings. Which I found out later on never to pay a debt collector without validating the debt first. Moving forward I have been attempting to reach someone at the United Debt Holdings  who can give proper validation of this account. I recently sent a certified notarized letter to the Chief Compliance Officer XXXX XXXX XXXX and received no feed back on validating the account which XXXX XXXXXXXX XXXX sold to them. In previous conversations I found out that United Debt Holdings outsourced the account to another debt collection company that is no longer in business. Their lack of response lets me know United Debt Holdings is unable to give proper validation.
A " XXXX '' phones and asks for XXXX XXXX, my fiance 's son, who does not live here. She wo n't give me the name of the company or a phone number or discuss what she wants and hangs up when questioned about anything. I have nothing to do with this and consider it harassment. I XXXX the phone call and am put on a repeating hold message with no company name given.
We had a XXXX dollar service charge held out by bank of America causing our account to be put in overdraft with another {$35.00} overdraft charge being added after out automatic payment was taken out of our account and we have direct deposit in our frauded account and have contacted social security about switching accounts it's not our fault they take so long to seitch accounts and they never mentioned any service charges before just call and get the funds transferred from the frauded account to the new account never even mentioned we have to have social security change accounts. This is so wrong big time and never mentioned this at all.
I recently checked my credit report and discovered that this company has reported that I owe them a debt. I never received notification of this debt prior to them placing it on my credit report. My rights were violated.
I received a letter from Walmart saying my credit card with them had been updated to a MasterCard. At the bottom it stated " If you do not wish to receive your Walmart Mastercard, please call XXXX by XXXX XXXX, 2017 '' I had missed the part reading " do not wish '', thinking it said if the card was not received by XXXX to call them. I called them when it was not received and discovered and realized what the sentence said. I found out it was too late to cancel the card. It will be mailed to me sometime in XXXX. I did not ask for this credit card, and do not want it. I had found it odd to receive this, but let it slide because I was going to cancel it when I received it. I have very good credit, and constantly receive offers in the mail, but this is the first time one is actually going to be mailed to me because I made a mistake in what I read. No other credit offers have done this.
I was n't able to close on my mortgage on my first attempt due to circumstances well beyond my control. The first appraisal that I received was on the low end but gave me what I needed. By the way I would not sell my house for that amount. Because of the delay, the appraisal was not able to be used, so I had to pay another {$500.00}, or rather be gouged for another appraisal. The first appraisal was less than 120 days old. The second appraisal came in at XXXX percent less with comps that were not even close to the quality, style, and square footage of my house, and the person spent about 10 minutes at my house tops. I did not realize that XXXX was an affiliate of Amerisave, and now I feel duped into having to pay for another appraisal.
I was offered an expedited loan modification by the servicer for my mortgage Seterus Inc loan XXXX in XXXX of 2016, I was told that the modification would go through once I made XXXX consecutive payments. I have made all the required payments ( XXXX, XXXX, XXXX ) as well as payments for XXXX, XXXX, XXXX and still I have not received the final document and the modification has still not gone through, I have called the company several times and each time I call I am told that it is being processed -- -the issue has been escalated and yet nothing changes and words on when the process will be finalized
To say the least this is a very XXXX XXXX customer interactions with BOA ... over-and-over, I must exert countless man hours of my time to keep them from excessive nickle & diming of my acct..

NOW, another NSF charge ( Acct # XXXX ) that I called BOA and told them to stop the auto draft, but the person on the phone said they couldn't.. Another monthly charge in both accounts.. And from last complaint 2 weeks ago, there are.. as they admitted ... countless monthly maintenance fees that I'm being charged every month..

If these fees are to be recurring then I want the interest ( x10 repurposes ) of the money in my account that is reloaned and/or the benefits of the investments made with my deposited $ $?? I refuse to be charged when any $ $ in my account is making them money x10 or more..
Since I filed a bankruptcy on my medical bills, Wells Fargo is not reporting on my credit report. I did not file anything that had to do with Wells Fargo in the bankruptcy. Plus, the bankruptcy was finalized in XX/XX/2012. Wells Fargo is stating that they will not report on me for the remainder of our loan, which is 28 years from now since we recently refinanced. I can not get approved for a loan because of this.
An account being reported on my Equifax credit report listed as XXXX XXXX XXXX in the amount of {$5500.00} is not mine/no knowledge of account. In fact, this account was previously disputed and removed when this same account was listed with XXXX, XXXX, XXXX it seems as if accounts just move from one agency to another without any type of clarifications. In fact, the above mentioned agency never sent any type of initial disclosure letter concerning the alleged debt, rather they decided to just place it on credit reports without any verification.
Around summer of last year ( 2017 ), me and my spouse had gone to BMO Harris to open a joint checking account in which we would pool together our funds for living expenses. Despite having known that we were both still XXXX XXXX at the time, the banker had opened a heavily fee-associated joint account for the both of us. Being XXXX, our account was not always well-funded, even though we had pooled all of our expenses together and used the account for rent and other heavy expenses. We soon found out that the {$35.00} NSF fee that had been continuously charged to us despite us not engaging in overdraft activities were piling up, and too much to bear.

One specific incident where the fee was charged and the transaction returned, however, has caused significant damage to my then-good credit score. Last XX/XX/XXXX, I had made a credit card payment of {$25.00} to XXXX XXXX XXXX, which was a very routine situation as I make 100 % of all my payments on time. The payment had even shown up on my XXXX XXXX   transactions the next day. However, two days later, the transaction had been reversed by BMO Harris because my account was in NSF standing, even though I had intended to make a payment immediately. Instead of giving a 24 hour grace period like most banks, however, BMO Harris had reversed my last transaction. This in turn resulted in a missed payment with my XXXX XXXX credit card, an additional fee of {$35.00} f

rom BMO Harris, and a significantly dropped credit score. When I decided that the banking relationship with BMO Harris that I
had was too harsh for my situation as a XXXX, I had gone to a branch office physically to close my account, as XXXX XXXX had offered better financial buffers for XXXX XXXX. At that time, in an effort towards retention, the banker had told me that they could switch me to a XXXX account instead, though our accounts should have reflected our XXXX status from the start.
On XX/XX/XXXX I contacted Mariner Finance via phone in their XXXX, OH office at XXXX. I spoke with Branch Manager XXXX XXXX who took the initial application and ran my credit report. After pulling my credit report she then interrogates me like a detective to ask why this debt was in collections or why this debt was charged off, etc. When you offer a valid explanation, they do n't think its a good explanation and they keep criticizing you like they are much better then you. The problem is to that when they pull your credit report not all the information they obtain is accurate and you should n't have to explain yourself to them, its as if almost they do n't believe you and think your lying. I have proof to back my stuff up. Well, anyhow I called Mariner on XX/XX/XXXX to get the status of my application and I was advised it was denied. Why was I denied I asked, I was told it was denied because of the past delinquent credit obligations and I WAS ALSO DENIED DUE TO PREVIOUS JUDGEMENTS THAT WERE FOUND ON PREVIOUS APPLICATIONS AND CREDIT REPORT. HOWEVER, ALL MY JUDGEMENTS HAVE BEEN SATISFIED AND HAVE BEEN REMOVED FROM MY CREDIT REPORT. When my credit was ran on XX/XX/XXXX, there were no judgements reporting. However, XXXX XXXX advised that a previous credit report was used to determine my credit worthiness and found several judgements on a previous application. How is it legal for a company to use an outdated and erroneous credit report? I spoke with XXXX from the XXXX, OH Mariner Finance office on XX/XX/XXXX and questioned him with, how can you use false information from a previous credit report that is not current, and not up to date, XXXX never answered the question. He avoided the question by all costs. I have applied with 2 other financial institutions outside of Mariner Finance and have had a positive experience and was even approved for a non-collateral loan. Mariner is a subprime lender only looking to loan to Excellent Credit candidates. What I mean by that is, they want to rip off candidates with high credit scores. Mariner Finance needs to accept they are a subprime lender and not a prime lender.
On XX/XX/XXXX I deposited {$500.00} ( Transfer ID : XXXX ) to my account on XXXX, a cryptocurrency exchange owned by Coinbase , Inc., via an ACH bank transfer. Funds were withdrawn from my bank account by XX/XX/XXXX. 

According to the support page on XXXX ( XXXX XXXX XXXX ) " Bank Account deposits made to XXXX are sent via the ACH bank transfer system, which typically takes 3-5 business days ( which can be as many as 7-10 calendar days, depending on the timing of weekends and other bank holidays ) to complete after initiating a purchase. '' On XX/XX/XXXX my {$500.00} deposit was not credited to my XXXX account and the transaction was still listed as pending. Because the 3-5 business days/ 7-10 calendar days transfer time had lapsed I submitted a request to XXXX inquiring why my deposited funds have not been credited to my account. I received a confirmation email from XXXX on XX/XX/XXXX confirming that they received my request and assigned me a case number of # XXXX. 

On XX/XX/XXXX my deposit was still listed as pending so I attempted to reach out to XXXX via phone to resolve the matter, but I was informed that phone agents are unable to assist with account-specific inquiries ( XXXX XXXX XXXX ). Additionally, I was informed that submitting another request online will only result in additional delay. 

As of today, XX/XX/XXXX my deposit has not been credited to my XXXX account, and the transaction is still listed as pending. It has been 35 days since I made my deposit and 22 days since I submitted a request to resolve the matter. Coinbase, Inc./ XXXX has not offered me an explanation as to why my deposit is experiencing an extreme delay or when I can expect my deposit to clear. Due to this delay and lack of support from Coinbase, Inc./ XXXX I am left with no other option except to submit a complaint to the CFPB.
I closed on my home XX/XX/2018 with a mortgage payment of {$1700.00}, 2 months later I received a notification that my payment would be increasing to {$2400.00} due to the lender making an error on estimating my taxes in which they only calculated half of my tax bill instead of the full year. With that being said, I am now required to make up for their error and am being strong armed/required to make a large payment, which I can not afford. I have XXXX children and my husband is a XXXX veteran therefore we purchased this home expecting a mortgage payment we could afford. I have tried to contact the loan officer and he refuses to call me back and when I call customer service they will not alllw me to escalate the matter to a higher level of management. I am fearful that I will lose my home due to their error and I should not be penalized for such a error.
I had a month-to- month gym membership with XXXX at XXXX. I was moving to XXXX, and was told by two Managers that all I needed to do was submit a letter stating I needed to cancel. My membership had no contract but I did sign up for personal training and had a contract for that. They said it applied to both. I submitted the letter to XXXX with the date of XX/XX/2016 stating I was cancelling and did not authorize any more charges on my debit card. Come XX/XX/2016 they charge me the personal training fee 's of {$670.00}. I called Citibank and disputed, furthermore I had lost my debit card. So how was the {$670.00} charged? Citibank opened the dispute case and gave me a provisional credit of {$670.00}. I had n't heard from Citibank until XX/XX/XXXX, they sent me a letter stating to send my letter of proof that I cancelled. So I did send the letter. Now a month later, Citibank has reversed the credit of {$670.00} stating my proof was not enough. First, that charge was not authorized, second my card was stolen, is n't that Fraudulent on XX/XX/XXXX part, and third is n't Citibank supposed to notify me in writing that they found the charges valid and would be reversing the transaction?
Funds were stolen from my savings account at XXXX XXXX. One of the fraudulent transfers was made to an account at Chase Bank. I obtained the transaction number and the ach transfer number from XXXX  XXXX. I contacted the fraud department at chase bank to report this info in an effort to find who stole my money. I spoke to a supervisor in the fraud department at chase bank. He was completely uninterested in the information. He was unwilling to investigate this fraudulent transfer of my stolen money to chase bank.