WillisBack/dataset-financial-user-claim huggingface dataset:
I recived a bill for XXXX for $ XXXXXXXXi called the number that was on the form ... .AFNI ( XXXX ) XXXX the woman that I talk to ask me question about the bill she ask have i ever lived at XXXX XXXX XXXX XXXX XXXX XXXX i told the woman at AFNI that I have never lived outside of XXXX, and at that time told to to contacted XXXX i did that as well and i was told to caal the COMMISSONER AND WAS GIVEN A REF NUMBER OF THE PROBLEM
About 41 monthly payments in on a 60-month repayment plan with Citibank. In error, they drafted XXXX payments from my bank account in XXXX ( 3 days apart ). Refund of {$36.00} NSF fee and refund of {$530.00} was approved to be escalated ( XXXX48 hours ) on XXXX/XXXX/16. As of XXXX/XXXX/16, refund has not occurred although I have contacted Citibank multiple times to no avail. Only getting the runaround.
This company contacted my mothers employer, my mothers personal phone and cell phone, contacted my girlfriend. When I asked what this was about they refused to tell me what debt they were collecting on, I never received notice by mail, and they were very belligerent and rude to me, threatening litigation without informing me personally of where the debt originated from. Now I have negative remarks on my credit report, I disputed them, and they denied my disputes, and disputed back.
Wells Fargo did not credit my payment to my account correctly and reported a XXXX day to the credit bureaus in error. And charged me a late payment fee
My total monthly amount to pay NAVIENT is {$870.00}. This is a combination of federal and private loans. I only make {$46000.00} per year. My monthly GROSS income is {$3900.00}. They are requiring me to pay more than 20 % of my monthly income. I have asked several times, including today XX/XX/2018, for lower payments. They have repeatedly denied me and said there was nothing they could do. I have also tried refinancing through XXXX, XXXX XXXX, and other lenders just to get denied because of how much I owe in relation to how much I make. My credit score has dropped from XXXX to XXXX due to not being able to keep up with other payments. Please stop these companies from robbing us of our hard earned money! The decision to go to college is not benefiting me at this point. I can not buy a house, go on vacation, and just live my life!
in the beginning of 2017 after purchasing the vehicle, we began having trouble keeping up with the payments. We were afraid of loosing the vehicle so we turned it back into the dealership so we would not have to go through with a repossession. We also made sure we paid in full what was owed. I recently ran my credit and it is incorrectly reporting as a charge off/ repossession. I take pride in maintaining my credit and have never had blemishes in my credit before or after this. Please have this information removed from my credit. I have reached out to the company many times before and we have not had any resolution.
We received a letter addressed to my husband XXXX XXXX XXXX letter says XXXX XXXX XXXX XXXX, stating we owe a debt to capital one bank. We do not have an account with Capital one. The letter gave us a huge fright and now, believing it is not our debt, we want to ensure others do not get caught by this scam.
I called Transunion a few weeks ago and tried to get unauthorized inquiries removed from my credit report and the customer serviced agent was not very helpful at all. There are a total of 17.
When I opened my accounts at Wells Fargo, I was asked if I wanted overdraft protection. I declined the protection and specifically indicated that I would rather the transactions be declined, if indeed the funds are n't available in my account. In the last month I have been charged for XXXX overdraft fees and XXXX for a transaction as little as {$4.00}. This is ludacris. I have lost my income and I now have a negative balance of {$110.00}. I have emailed and called the institution and asked why I am being charged overdraft fees when I have declined the protection with no help at all.
My wife passed away on XXXX XXXX, 2016. We were married for 50 years. I notified all of the credit card banks and they all forgave me and my late wife of the money owed the. All but my own bank of Wells Fargo. They said I was co-signer of the card and I must pay them. I reminded them of the Colorado state law that says that I am not responsible for the debt. A month after she died, Wells Fargo said they sent me a credit card for her account. Strange that they would mail me a card a year and a half after ( they say ) I " verbally '' said I would be a " co-signer ''. I asked for me to hear the tape they claim to have of me agreeing to be a co-signer. They refused and told me to hire a lawyer. As a former state representative from XXXX, I served on the XXXX. I realize the problems banks are facing but I had no idea that besides me -- there were XXXX XXXX other customers who were LIED to and cheated by Wells Fargo. I will not be intimidated by them and I wo n't pay these corporate " crooks '' a XXXX. I am XXXX years old and this bank should be there for their customers. I want to file a formal complaint.
I reported irregularities in interest charges and incorrect " payments received '' that Barclay labeled as " Purchases '' to the credit card company 2 months ago, as a result of seeing an error on my XXXX XXXX, 2016 billing statement. This tatemet erroneously states I made over {$1000.00} in purchases but does not show vendor. It also shows Barclay removing XXXX my payments made back in XXXX citing " the funds did n't go through ''. I notified my back XXXX, called a Barclay representative to conduct a 3way call on 3 different occasions to verify the validity of all my payments made and I am still being incorrectly charged, interest is being erroneously accrued, and all my statement balances from XXXX to present are incorrect. Please help me. I have the proof and Barclay is conducting illegal credit practices.
In the year of XX/XX/XXXX I attended the XXXX XXXX XXXX online for a XXXX XXXX. During that year The company XXXX XXXX XXXX agreed to tuition reimbursement. I completed the program with As in XX/XX/XXXX. The advisors then called and emailed me constantly to coerce me to continue studies in the XXXX program since I did so well, I explained that my salary was not enough to pay more loans, and they told me that they would guarantee me they would help me with finding a job in the {$100000.00} range that would improve my station in life. There was urgency due to classes beginning soon. After constant calls and emails I agreed to enroll after assurances that I would earn a high salary and be more comfortable in life. I continued with reimbursement program from the company. When I completed he XXXX program my grade point average was XXXX and I was congratulated. I contacted the XXXX for help in finding a job, I was told to enroll with all the job boards which I did. I also asked for a job with the XXXX  and wad told they were not hiring and continue with the job boards. I received no contacts from my resume submissions. I contacted the school and got no help. The only thing they were willing to do was defer payment and offer forbearance for the next nine years. Now the eligibility for deferment/forbearance ended and I am being harassed by Navient every day and several times a day. I explained that I was still in the same job that I started with with no raise or promotion. I was in the same status until XX/XX/XXXX when I was in XXXX XXXX and had to retire. I contacted Navient and asked  for a history of my account because they were not showing any payment on the account ever, I asked to have the account history sent to me in writing since my companys tuition reimbursement was used to pay for classes. 

I have not received anything yet and they continue to call me. I did not receive any benefit from attending the XXXX XXXX XXXX and with the interest added to the debt has made it untouchable with my earning status.
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX, doing busines as " XXXX XXXX '' ( XXXX XXXX ), and its financing company, Universal Acceptance Corporation, ( UAC ).  I did not have to put any money down, the payments were {$190.00} every two weeks. I automatically set up direct deposit payments from my checking account to begin XX/XX/XXXX. They pulled the first payment plus a {$3.00} fee through XXXX XXXX XXXX payment. A few days later, I received a text and email stating to call about my payment. My car was disabled until I called in and made another payment. This has happened 3x as they said the payment came back NSF ( Credit card and checking account ). I called the corporate office in XXXX, MN and spoke with a Customer Service Representative who did n't know anything and said that I needed to speak with my finance manager " XXXX '' in XXXX, WA. I was transferred back and forth and made another payment until I received my bank statement. I emailed my statement over to " XXXX '' at the XXXX, WA location and she said that she would give information to her " Finance Manger ''. Needless to say, my vehicle was disabled again when I had to take a client to XXXX, I called XXXX XXXX again and XXXX enabled the vehicle so I could get client to hospital but she XXXX before we could get her there. I am so done with this SCAM Company. I received a call today ; ( XX/XX/XXXX at XXXX XXXX  from " XXXX '', the Finance Manager and he asked me if I could pay the {$390.00} that is owing on truck, I said " no '' and I 've already paid you people and sent over documentation. He went on to say that they have not received a single payment and if I could bring truck back to them if he enabled it. File No ; XXXX Consent Order, this company needs to be shut down. He ( XXXX ) told me that I would need to sign a " release of the loan '' when I bought the vehicle back. Carhop has made deceptive representations to consumers and will do anything to get money from the customers repetitively. They are very unprofessional, rude, uncaring and all that matters is the almighty dollar. One would think that they would have learned their lessons from the Consent order but they continue to practice this way. The vehicle was my only means of transportation and cost me my job and all they care about is $ $ $ $ $ $ and not their customers. I have proof that these payments were taken out of my account and I even emailed everything over to " XXXX ''. XXXX XXXX also provides false information to the three credit bureaus and hinders customers from obtaining credit for home loans, car loans, any type of loan and they have been ordered to pay over XXXX XXXX on XX/XX/XXXX. Why are they still in business and allowed to continue to do this to consumers/customers? Many lives have been affected by their " GREED '' and unlawful practices, it needs to stop now.
I been advice that someone under my same name has an address that I never use and emails : All this information is not mine : XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Regions Bank has taken XXXX out of my account because of overdrafts. I know this is my fault, but why do they keep putting thru checks that can not clear more than once? Im XXXX and they have no mercy on me. Why are these charges so expensive? Cant they be XXXX dollars? My son is going to help me, but this is a disgrace for a bank to be this greedy!
Ive applied for a home depot credit card over 10 times and there is no response from citi bank. a couple times they have responded with ridiculous reasons for not extending me credit. i have called the manager at the home depot store and explained it as well and they can justify them turning me down, indicating there is something else going on.
To Whom It May Concern, In XXXX we faxed documentation copy enclosed, to Statebridge for a modification application. After no response from Statebridge for XXXX, XXXX, and XXXX we had no other options to file a complaint with the Consumer Financial Protection Bureau. 
On XXXX XXXX, our counsel contacted us regarding a letter dated XXXX XXXX, XXXX from servicer, " Statebridge '' on missing documentation. On XXXX weekend we faxed the required missing paperwork on XXXX XXXX, XXXX. 
Our counsel was never given to the loss mitigation department 's contact information, and on XXXX XXXX, our counsel tried several times to contact Statebridge 's counsel. He left several messages, and none of his phone messages were returned. Finally, he contacted Stagebridge on the only contact phone number given and this is the servicer 's customer service line, he wanted to verify that the loan modification application is complete. He was told : " You will have to contact our counsel, and I ca n't transfer you to loss mitigation department '', says XXXX, a manager. This is a typical example where Statebridge neglected to communicate with our counsel on missing pages which resulted in the foreclosure of our home. Servicer did not demonstrate reasonable diligence when obtaining documentation and information to complete the application, which resulted in foreclosure of our home. 
On XXXX XXXX property was foreclosed due to missing pages that was not included in the fax. The most recent pages that were available and were sent immediately to validate that we had all pages needed to avoid foreclosure, copies enclosed. All 6 months of bank statements of both owners, profit and loss, including the XXXX tax return. Documentation was ready and available for Statebridge, including my Social Security XXXX Benefits, and our school aged daughter 's benefit was also enclosed to validate our income. My daughter and her father have the same last name, this is classic example on Statebridge 's negligence towards how they do not communicate with us on pages they received or pages missing for completion of our modification process. 
Servicer is simultaneously evaluating the homeowner for a loan modification while avoided, rushed and pushed through to foreclose the home. We never received any communication from servicer except the letter dated XXXX XXXX, as a homeowner I am confident that the banks accepted the Government Bailout in lieu of rendering the homeowner homeless. Many banks seek relief from the bailout and received billions of dollars from the Government only to enrich their own pockets. I am a homeowner that this bailout was intended to rescue, but instead Statebridge has taken the Government Bailout and today, I am considered homeless homeowner, displaced by Statebridge 's negligence. 
Our mortgage is a FHA fixed with interest rate of 8.5 %.
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Ac t ( FCRA ), section  623, subsection ( 8 ) ( D ) .   The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section  623, subsection ( 7  ) ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may  constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that the FCRA  623 ( 8 ) ( E ) ( iii ) e stablishes a time-frame for these issues, and that section  621 of th e FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as :  1.  XXXX   XXXX     XXXX    This account has never been verifed and I have never done business with this company. Error please delete.    2.   XXXX   XXXX   XXXX  This account is a duplicate of the same account above error please delete.
i recieved a collection letter from RECEIVABLE MANAGEMENT SERVICES stating i owed XXXX car insurance for XXXX i have informed them and XXXX that i have not had car insurance in my name since XX/XX/XXXX/XX/XX/XXXX the vehicle i own which is a XXXX XXXX XXXX has always been insured under my domestic partner insurance XXXX XXXX XXXX XXXX with XXXX the prior vechicle I had was a XXXX XXXX XXXX that was totaled out by XXXX in XX/XX/XXXX. At which time we bought the XXXX at XXXX XXXX in XXXX Florida and then transfered the insurance from one vehicle to the next.NEVER DID WE EVER NEED OUTSIDE INSURANCE FROM XXXX. I have sent on several occassions to this company the declaration page from XX/XX/XXXX stating when this vehicle was insured and they continue to refuse to remove this debt from my credit report and harass me for a payment. I have been a victim of id theft in the past. I have called and spoke to various people at this company and there has been no resolve. My XXXX XXXX XXXX vehicle has and still has full coverage on it by XXXX XXXX XXXX XXXX with XXXX since the date of purchase.
I have a CareCredit Card through Synchrony Bank. It was brought to my attention by XXXX Credit Bureau by email on XXXX/XXXX/2016 that Synchrony Bank, without my knowledge or consent, reduced my line of credit from {$7500.00} to {$6000.00}. I called Synchrony and spoke with a manager as to why this reduction to my credit line happened. I was told by this manager that due to my card being inactive for a length of time ( one year approx. ), Synchrony saw fit to reduce my credit line to help prevent any fraudulent actions ... huh?! I explained that reducing my credit limit would not look good when it 's reported to the credit bureaus, but again was told this action would reduce any potential criminal activity. Which begs the question, if someone were to access my account in a fraudulent manner, what would be the difference between {$6000.00} and {$7500.00}? It would still be an unlawful attempt to pursue monetary gain through identity theft. I would very much appreciate any assistance from CFPB regarding this matter and what, if anything, can be done. Thank you.
I took a traditional fixed morgage with Capital one in about XXXX of XXXX when my income was about XXXX to XXXX a year.The same year I lost my job. I liquidated my retire plan to catch up on mortgage and other expenses. I eventually found a job with The state of Florida where I make only about XXXX a year. As a result of a drastic change in income I fell behind my mortgage for about 2 months. I have been making at least one full payment each month since I fell behind. I started a loan modification process about XXXX to 4 months a go in XXXX or XXXX XXXX. I submitted initial documents requested. I was asked to submit additional documents which I did. The main issue is, capital one is intentionally delaying the process to force me into foreclosure because I strongly believe the company is in to make gains and not care about my plight at all. The ask for my monthly pay stub, I send it, they sit on the document, until a new pay period then they send a nasty letter that if I do not send a new paystub my case will be closed. I did that about 3 times. The other part is, they requested my insurance declaration page, which I sent, it was confirmed they have it, now they are asking for the same document-I thought my information or documents were to be kept securely. I requested so many times for the case worker to call me back but she would not. When I asked for corporate number there is none. 
To add salts to injury, Capital one sat on my application for about three months when I was told underwriter reviewed my application and I needed this document and that document only to submit all required documents and then being told a box on my application was not checked. My question is if a box was not checked, why did they not send me back the document for me to check what is needed but rather waited until I submitted all required documents to send me a letter I received on XXXX/XXXX/XXXX asking me to check a box on a page but they did not bother to include the document I needed to check of. To prove how eager ( it seems someone makes personal gains when a XXXX is pushed through foreclosure especially if the how value has almost doubled like mine ) capital one 360 home loan is to foreclose my house, I was given 4 days from the time I receive the letter to check off a box on a form that was not included in the envelope and return or else I will not be able to stop foreclosure once a foreclosure sale date is set. 
Why should capital one 360 keep asking for the same documents I sent, some I sent so many times then threaten foreclosure due to their in ability to send me a form they sat on with their underwriters for about three months, then sending threatening foreclosure letter asking me to check a box on a ducument they did not include in the envelope. Could Capital One 360 Home loans not have sent this document along with all the several request they made on my pay stubs for me to complete right from the onset? This is a deliberate attempt. I read so many comments online about frustration borrowers go through with Capital one 360 home loans and I am a living witness.
I was on an income driven repayment plan. I was supposed to update/ reapply for the plan. However, during that window I was very busy finishing my first year as an educator. I updated the payment plan as soon as I could, but not soon enough for the interest accrued during the income driven repayment plan to be added to the balance of my student loans.     Now I am unemployed again, and my total balance is thousands more than when I started. Please, there must be some sort of recourse here. I ca n't afford to give away thousands of dollars, especially when my education is n't finished. Thank you for your time.
I recently tried to purchase a vehicle for XXXX XXXX Nissian XXXX XXXX XXXX XXXX XXXX Ga XXXX. They " supposedly '' had me approved and I signed the paper work and left the dealership with the auto. 3 weeks later after no response from the dealership regarding multiple denial letters I had recieved in the mail I was told I had to return my vehicle because they were unable to get the approval needed. Upon further insights I found they had ran my credit 14 times through various companies making my already poor credit score suffer even more. Making it impossible to even be reconsidered for financing. Just feel this is very unethical and please help.
SCA Collections has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
US bank blocked my access online without explanation. They are requesting me to go to the brunch. I am currently in XXXX XXXX XXXX and Bank cant clearly explain where the branch is in NY. Its caused huge inconvenience and distress.