WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, PA XXXX Disputed Sums, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX    XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.
Since incurring my student loans - I have been called, harassed, and disrespected every time I had an interaction with anyone from Navient with the exception of the la st 3 or 4 phone calls. After exiting college ; I knew nothing about how to pay back student loans or what my options were. When I called Navient they told me that if I could n't afford to pay the loans I could easily put them into forbearance. They made it sound like this wa s my only option. After I did it the first time, they would just text or email me and tell me to reply " YES '' to keep my loans in forbearance, so that is exactly what I did ; what I thought I had to do. I could not afford the payment they wanted from me, and I was worried about what my loan status was going to do to my credit. I did n't know that during forbearance my already high interest rate was going to continue to accrue at a rate so fast that by the time I realized what was going on I owed almost as much in interest as I did in original principal. In    XXXX   XXXX   XXXX      I attempted to work with  Navient  to pay off my loan in one lump sum. I offered to pay them {$21000.00} if they would " forgive '' the remaining  XXXX   XXXX  dollars I owed them ( which would be a very small portion of the exorbitant interest I had accrued ) but they refused to work with me at all stating that they were not allowed to negotiate any deals. Had I not been steered wrong from the beginning, my credit report and I would both be in much better shape than we are today. In  XXXX    XXXX   I finally applied for a different repayment plan and I 'm still waiting to see if I have been approved. I truly believe  Navient  is a scam of a company and only out to benefit themselves and turn the largest profit possible at the cost of the student borrower.
In XX/XX/XXXX, a checked was bounced on me which caused my bank to bounce a check to Citicorp for payment on my credit card. I let them know in advance, i wired twice the amount to Citibank to make sure they were covered. 

Subsequently, the next month they withheld posting payment by seven days. I complained, got a supervisor on the phone and she affirmed that the delayed posting would not happen again. 

This month I sent {$500.00} ahead of schedule on XX/XX/XXXX and as of XX/XX/XXXX it has yet to be posted to the account. Citibank says they are having to confirm the account, even though it is a different account. I have no idea how much they are charging me for extra fees related to the delay time.
I have been trying to get help from Select Portforlio 's loss mitigation department unsuccessfully. I fell behind on my mortgage payments and requested a loan modification or any useful method to avoid foreclosure. Unfortunately, SPS has not reviewed my updated loan modification request without bias.
Today XXXX XXXX 2017 I called eqifax 's sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from NY times wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. Equifaxs blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! Equifax clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.
This complaint is in reference to a personal checking account that was opened during the year of XXXX XXXX. The account is currently closed. In addition to an separate checking account opened during XXXX. 

Approximately around mid XXXX XXXX, I walked into a Chase branch ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document that confirms that a series of Cashiers Checks were purchased and paid via my checking account. I was the remitter the check and XXXX was payable to XXXX XXXXe. I spoke to a banker within the personal banking section of the branch and presented copies of all Cashiers Checks and explained I needed a thorough research and investigation for legal purposes. I explained the narrative of my case and even advised I have a court trial in early XXXX XXXX.I left them copies of all the Cashier 's Checks and was assured I will receive this information in a timely manner. Some of the checks presented were acquired from XXXX XXXX XXXX, presently known as Chase bank. Since making this inquiry, I have not received anything by mail or a call from the branch. I tried to call customer service a few times, yet was unsuccessful. The branch claims they do n't have any records on their system and they forwarded this to the proper department that can handle these matters. I am a plaintiff of a pending civil litigation related to an illegal foreclosure. The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Chase bank. I have attached all copies of these Cashier 's Checks for your review.
THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX a threat of a lawsuit to take my wages was sent to my employer. This debt is over 10 years old and from a divorce. 

XX/XX/XXXX {$470.00} cents was taken from my bank account that was being processed for child support payments. 

I was fined from the bank and child support services an additional {$300.00}.
Equifax is not providing me approriate verifying information in an investigation provided by a company by the name of XXXX XXXX. They are reporting on my credit report a bill from XXXX XXXX without supporting documentation that it was me, ex. signature, procedure, etc.. I have sent three seperate letters asking Equifax to remove from my report if they can not provide me supporting documentation into the investigation verifying that this said bill is me. Under FCRA I have a right for supporting documentation of an investigation. It is also stated on their reply letter of that request, stated ( Notice to Consumers ) Dates are XXXX and amount is {$420.00}. Thank you.
I had contacted all 3 credit bureas and put a fruad alert on my ssn because i noticed that there was incorrect information on my file. Then i also noticed that there were bank accounts i never opened, and the accounts were way before i had turned the legal of XXXX. I turned XXXX in XX/XX/XXXX. And i was living in the XXXX from years XX/XX/XXXX-XX/XX/XXXX i dont know how i would be able to apply for any of accounts. Both accounts were credit and store credit accounts. I had opened an account with bank of america and noticed that they already had an under my name and that the account was recently closed in XX/XX/XXXX a few months before i had arrived back in the US. Same goes for XXXX XXXX when i decided to get a credit check i noticed there was also a XXXX XXXX and a XXXX card and a XXXX account that were all open under my name and my ssn and all the dates were when i was under he age of XXXX. Ive filed reports with the XXXX and with all 3 bureas but all thats happened is just a few corrections of my personal info
I setup auto pay via Citizens Bank website in XX/XX/XXXX ( or thought I did ) but evidently it did not activate immediately. I set this up in good faith but the first payment was late - XX/XX/XXXX - and is reported 30 days late on all three credit reports. Since the late payment Citizens can see I have auto-paid every month since then for almost 2 years. They are being completely unreasonable to a good customer who setup auto pay in good faith. Additionally, they should accept blame for having inadequate technology and/or other processes that setup auto-pay in a more timely manner. I have paid in good faith as agreed - if their technology was more contemporary this would not be a problem. 

Totally unreasonable and unfair. Punishing a customer who setup auto-pay in good faith. 

Others be warned Citizens Auto Finance has terrible technology and will blame you for any delays or incompetence. Further they will do nothing to work with you to remedy the problem. 

After further review ( this warning was not readily visible to me when I setup autopay ) Citizens Bank even tells their customers their technology - or whoever they outsource it to - is potentially unreliable with a warning on their website when you setup autopay. See below. 

If you go to the Citizens Bank website ( https : //www.citizensbank.comXXXX ) to setup autopay and click on " Setup Recurring Payments/Login '' you receive the following GLARING WARNING alerting customers to the potential unreliability of the website you will setup autopay on. Again this warning was nowhere to be found when I setup autopay. The warning from the Citizens website is below. 

" Please note : You are about to leave the Citizens Bank website. Citizens Bank is not responsible for, nor do we control, endorse, or guarantee the content, products, and/or services of the subsequent pages. The linked site may have a different privacy policy or provide less security than our website. We recommend that you review these policies on the linked site. Thank you. '' Citizens Bank admits to the unreliability of their own technology and then unfairly and unduly punishes their own customers for their system failures and shortcomings.

Pathetic! Incompetent!
Prior to XX/XX/XXXX, I had a {$200000.00} line of credit with Key Bank. In addition to my line of credit, I also had a checking account with Key. On XX/XX/XXXX, I paid off my line of credit and closed my checking account. I did this in person, and received the cash from the closure of my checking account. In XX/XX/XXXX, I received a notice from Key Bank indicating that I owed them {$150.00}, and that my failure to pay them resulted in them " charging off '' my account. I immediately went into a Key branch to discuss the matter with a bank XXXX. During this meeting, the XXXX told me that my account had been " automatically reopened '' and in doing so, several fees were charged to my account in the amount of {$150.00}. I expressed my anger at how an account could automatically be reopened without my authorization, and the XXXX assured me this would not be reported to anyone, and would not impact my credit. I requested a letter from the XXXX indicating that my account was reopened without my authorization, and that this was an invalid debt. The XXXX said he would send me a letter over email. I did not receive an email, so I was forced to reach out to the XXXX several more times. I finally received an email from the branch XXXX stating that I had an account, it was reopened, had incurred fees, and that Key would send a check " on [ my ] behalf '' to satisfy the account. I wrote back indicating that was insufficient since his email was written in a manner that refused to accept responsibility, and also refused to state that my account was reopened without my consent. I emailed again requesting specific information, and would not get a response. I finally did receive a response from the XXXX indicating that he would not provide me with a letter stating that Key did anything wrong, and then provided me with the phone number to Key Bank 's legal department. 
Upon receiving this, I contacted the regional XXXX via email and explained my situation. He wrote back saying that he would look into it, and get back to me at the beginning of the week ( XX/XX/XXXX ). I have not heard from the regional XXXX, and he has not responded to my emails. 
My account has now been reported to XXXX, and I am spending an extreme amount of personal time trying to find resolve. Key Bank refuses to assist.
CRA violation I have no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft Report # XXXX
on  XXXX   XXXX  an inquiry was done and I did not request an inquiry by said company. per the credit reporting agency I was told to contact the company which I did when I found inquiry was on my report. I faxed a letter to request deletion of inquiry which they responded with inquiry would be deleted by credit bureau. I then reached out to credit bureau and requested to have inquiry removed and offered to fax in and they told me there was no need to fax in document but it would be removed and inquiry is still showing on my report. I would like my report to be updated with removal. The inquiry is showing up on my Equifax report. I also contacted  XXXX  concerning a inquiry  for   XXXX   XXXX   that  was not mine and requested to have removed due to its not mine and its about to fall off in  XXXX , I contacted company as well which stated since I was not aware they could not give me a letter as the other creditor had. they told me to contact the credit agency. the   XXXX   XXXX   inquiry is due to fall off  XXXX / XXXX /  XXXX  . also   XXXX   XXXX   is showing twice and should only be showing once. I requested for that to be corrected and was told that was not able to be corrected. I only applied for credit with company and the  XXXX  inquiry is not correct
On XXXX/XXXX/2016 I was informed by XXXX that CitiBank made a hard inquiry on XXXX/XXXX/2016 to access my credit profile. Unable to receive any detailed information as to the inquiry via several phone conversations with Citibank, i filed a complaint with CFPB. I had not initiated any applications for credit. On XXXX/XXXX/2016, over 60 days later, I receive a letter stating that they are still unable to locate the source of the inquiry that was made. I then supplied them with a copy of the credit file report showing the inquiry in question along with the last four digits of my social. On XXXX/XXXX/2016, I receive a letter stating that on XXXX/XXXX/2016, Citi had received an application for credit in my name that prompted the inquiry and that said application for credit was denied. Citi states they will contact XXXX and modify the inquiry to a non-display inquiry. This does not fulfill what was requested in the original complaint. I have no copy, nor any details, pertaining to the fraudulent application for credit. Citi states that they will notify XXXX, however I request that they notify all XXXX reporting agencies since it appears on all XXXX, not just XXXX. I also request a copy of the credit application and all other details as to the origin of said application.
I went to bank of America on XXXX/XXXX/2015, and deposit {$1000.00} in coins into my checking accountI fill out an deposit slipThe bank teller took my deposit slip, attach it to the coins and give me an ACKNOWLEDGEMENT of RECEIPT of COINS, he told me that the bank would cont the coins and credit my account in a few days. 
A few days after I check my account, I was only credited for {$190.00}. 
I went to the same branch to get some answers, and found out that the bank teller, wrote down {$190.00} on the paper work that he turn in instead of {$1000.00} and there is problemI have made XXXX trips to the branch, I call at least XXXX times.
XX/XX/XXXX, i visited XXXX XXXX to purchase a vehicle. I told the manager after agreeing on a price that i wanted to use GM financial for the 0 % promotion that was advertised during that time and if i can not get approved for that than i was only going to use my financial banking institution ( XXXX XXXX XXXX ). They agreed to the terms. XXXX wanted 7 % and i declined that offer so XXXX ( the finance guy ) and I agreed to the terms of XXXX for credit loan approval. I signed the contract and left with the vehicle. I called on XX/XX/XXXX to follow up with the spray in bed liner which was owed to me as part of the deal and i was told they will call me back. I called again on XX/XX/XXXX because no one contacted me for the bed liner. At that time, XXXX XXXX ( the sales agent ) told me that the deal was declined by XXXX and the needed a co signer to proceed with XXXX. I was then contacted by XXXX ( the  XXXX ) on XX/XX/XXXX and he said that we can get you approve as a single owner through GM at 7 % for 635 monthly. I told him that i am not going to do that. on XX/XX/XXXX i returned the truck and XXXX took the keys. After i left, XXXX and XXXX called me several times threatening me with coming back to pick up the truck because they had worked out a deal with GM to meet the terms of XXXX on the original contract. I told them that i did not approve or authorize that and they can not change anything on my signed contract without my knowledge or approval. and XXXX told me that is not true, we can do whatever we want and i will be receiving payments from GM. I called GM on XX/XX/XXXX and they told me i did not have an account or loan at that time.. I made them aware of what the dealer was trying to do and they assured me that they did not have anything in my name at that time. on XX/XX/XXXX i received a letter from Gm stating I now had an account and payments due for a truck i no longer have in my possession. I notified GM on XX/XX/XXXX that this account was fraudulent acquired from XXXX XXXX without my approval and that i had already returned the truck to the dealership on XX/XX/XXXX. they said the application sent to them by the dealer shows XXXX XXXX XXXX but it has been scratched or crossed out and someone wrote Gm on the line on the contract and they can not close the account without proof the dealer obtained and or submitted it without my knowledge and or permission. I informed them that i still have my original paperwork and i do not have any marks on my contract showing XXXX being scratched off. I returned to the dealer per GM request to get them to reverse the deal and get the paperwork of what was submitted by them and the dealer refused to show me the contract they sent to GM and would not reverse the deal, instead tried to give me the keys to the vehicle that i do not want or need. i told them i was not taking possession of a vehicle that they fraudulent obtained financing on and left the property.
Hello I purchased a brand new Jet ski and my Loan was thru XXXX XXXX XXXX the company is very unhelpful I have been trying to get this resolved for a year now. When I called them last XXXX they told me I owed {$50.00} for XXXX and XXXX when I called I paid the balance. It was only {$50.00} as I often paid them ahead. When I returned from Vacation they said I was behind on my payments I have never paid any of my loans late ever! I pride myself in paying my loans on time. I have 7 loans all on my credit report with perfect payment history. This company applied monies that were for Paymebts to the principle only if you review the historical payment history it is a cut and dry case. Just asking them if I paid on time is hardly an investigation as a hard working tax payer you are supposed to investigate these sistuations not just go off there misinformation and lies! Please do something about this! XXXX XXXX XXXX in XXXX XXXX!
On XXXX/XXXX/17 I disputed information about collection account to not be responsible for to Equifax. 30 days have passed and Equifax stated they have n't got a response from collection agency but they are still kept the collection on my credit report
XX/XX/XXXX - I recognized a drop in my in FICO credit score from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. I obtain this credit score free through XXXX App every month. The reason for the drop was 'Derogatory record found '. I was sure this was a case of some fraud or mistake from the company XX/XX/XXXX - I downloaded my credit report from all three credit reporting agencies, including Equifax, on XX/XX/XXXX and did not see any derogatory record. I reported the same to discover to fix this issue at their end. 

XX/XX/XXXX - This mistake was fixed and the credit score improved the following month - Back to XXXX XX/XX/XXXX - My new apartment owner ran my credit report today through Equifax and in the report provided my Equifax , I see that there is a derogatory record again I do not recognize